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Get Ready For Summer With These 5 Insurance Policies: Part 2

A couple of weeks ago we posted a list of five insurance policies you definitely need to review as you prepare to head out and enjoy your summer plans. Believe it or not, though, that original list only mentioned some of the insurance policies worth keeping in mind during your seasonal activities.

By now we’re willing to bet that “summer brain” is starting to set in and wash away your worries. Unfortunately, even during this relaxing time of the year risk factors can become full-blown, potentially expensive problems. So before you head out for your summer adventures, take a moment and make sure you’ve reviewed whether or not your insurance covers these five scenarios and objects that could interfere with your favorite season in the year. 

-Scooters Or Motorcycles: For many motorcyclists early summer is the perfect time to ride their bikes. Since motorcycles can’t be included in an auto insurance policy, it’s important to review and consider updating your current motorcycle insurance policy before you head out for a summer roadtrip. We’ve talked about a motorcyclist’s insurance needs before, which include liability, personal injury protection, comprehensive and collision coverage.

Motorcycles aren’t the only form of transportation that require their own insurance; like motorcycles, any small motor scooters people may own are not covered under a normal auto insurance policy. Legally scooter riders only need to purchase basic liability insurance; seeing as this only offers coverage for any damage and injuries other people incur in an accident, it’s important to consider collision and comprehensive insurance as well. Don’t worry: many affordable policies cover all of these needs. 

-ATVs: For some people the most exciting part about the summer is bringing out their all-terrain vehicle (ATV) for a little off-road fun. However, just like motorcycles and scooters, ATVs are not covered under standard auto insurance policies. Sometimes a homeowners policy includes liability partial coverage for an ATV, but no ATV owner should assume they’re fully covered by this. Instead all ATV  owners should consider having a full ATV coverage policy; if any family members or friends will be driving your ATV for the first time this year, it’s especially important to check that they’re also covered under an existing policy to make sure any off-road tumbles don’t lead to extremely expensive medical costs. 

-Trampolines: We’re willing to bet you never expected to see trampolines on this list. While trampolines themselves don’t require insurance, what many people don’t realize is that some companies can deny a claim if they have policy exclusions for anything involving a trampoline. Some companies can refuse to insure a property if they deem a trampoline too risky, and others will cancel your policy if a trampoline goes against the safety guidelines written out by your insurance contract. Because of this, it’s extremely important to review your insurance policy and find out if trampoline-related injuries would be covered, and if a trampoline is allowed on your property to begin with, before your children or their friends beginning playing on one.

-Fireworks: Summertime festivities and fireworks go hand-in-hand, but for Pennsylvania residents fireworks create a double-whammy risk factor. Not only can improperly lighting and using fireworks cause serious injuries, but in states that do not allow the use of fireworks without a permit the use of fireworks can also jeopardize your current homeowners insurance coverage. So while residents in states where fireworks are legal should always check to see if their property includes proper liability and damage protections, those of us in the Keystone State must remember that setting off fireworks can potentially lead to us losing our insurance coverage. Plus as a result of the risk associated with us, we’ll pay far more for a new policy with a new insurance company.

-Renting Homes: Are you planning on renting out your home this summer? Many people rent out a room during the summer to help bring in some extra cash, but without the right insurance that extra cash could potentially go into paying liability and property damages caused by your temporary subletter or subletters. The insurance requirements for renting our homes vary considerably depending on how long and how often people will be staying with the homeowner. Some insurance plans will allow short-term visits on a regular home insurance policy, while others may require a small renters insurance policy. Because of this, it’s best to talk to your policy holder and see exactly what you are – and aren’t – covered for, before anyone moves in for the season.

Are you unsure if your insurance offers the right coverage for you? Do you need a new policy for one of your vehicles? Let the Fisher Widmann Flick Insurance Agency help protect you so that you can enjoy your summer in peace. Go ahead and contact us today to set up an appointment with one of us trained insurance experts, who can make sure your insurance policies cover exactly what they need to cover, all at a reasonable cost. We’re all that stands between you and a wonderful relaxing summer, so don’t wait!

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Is Your Excavators Insurance As Comprehensive As It Could Be?

Now that the season has made good weather a common occurrence, chances are that you’ve walked past a construction site or two as business picks back up for builders, excavators and contractors alike.

As a passerby, it’s likely that you’ve never even given the workers a second thought. But if you’re one of the workers operating an enormous piece of machinery day after day, helping to clear out an area or build a new structure, it should come as no surprise to you that your entire operation needs to be properly insured.

Insurance is important for any work site, but is especially vital on active construction and excavation sites. For contractors, insurance offers protection against different levels of risk regarding possible accidents, injuries, or even property damage caused specifically by ongoing work. Like contractors, excavators need comprehensive insurance as protection against the many risks associated with working in the construction business; while contractors generally manage the oversight of a construction project, excavators are exposed to a range of potentially hazardous situations involving underground digging, heavy machinery, cranes, and sometimes even explosives.

It only takes one small mistake while working as an excavator to create a large problem that could damage the area being worked on – or worse, injure a worker. And if a company has the wrong insurance policy, they may not be properly covered in the event of a worksite accident or lawsuit.

Fortunately the right insurance will help ensure your company’s safety and financial security, allowing you to focus on working safely, rather than worrying about what you’ll do if something goes wrong.

Don’t spend your valuable time worrying about what your insurance covers – instead, let our team at the Fisher Widmann Flick Insurance Agency help you. Our experienced team of staff members working throughout central Pennsylvania can ensure that you’re fully covered by your Excavator Insurance. Our cost-cutting services will give you full coverage in a range of areas, including:

-Commercial General Liability or Umbrella Liability Insurance

-Underground explosions or collapses Insurance

-Owned or Leased Contractors’ Equipment Insurance

-Fleet Coverage Insurance

-Property Insurance

-Workers Compensation

Working with our staff will ensure that your business can continue to operate knowing that its equipment, employees, and financial well-being are all protected with the best insurance plan that’s been tailored to your needs.

So go ahead and make an appointment with one of our staff members – whether you’re in Johnstown or any other area in central Pennsylvania, and whether you need an entirely new policy or to just update the one you already have, we’re here to help you make sure that your excavation business is fully covered for a reasonable price. Our representatives in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties are all ready to work with you so that you can concentrate on your business, rather than your worries.

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10 Important Safety Tips To Remember During The Holidays

December in America is a time of tradition and celebration, thanks to the three major holidays that take place throughout the month. This year, with Hanukkah already at a close, Christmas and Kwanza are looking to steal the spotlight for the remainder of the year.

Despite their differences, all three of these holidays share common elements: the use of lights and fire. As a result of holiday traditions that use these items, our holiday celebrations can pose a real danger if not practiced safely. Consider these statistics:

-Each year ERs across the nation treat around 12,500 people for injuries related to the set-up and use of holiday lights, decorations and Christmas trees, according to the U.S. Consumer Product Safety Commission (CPSC). These injuries usually result from falls from stepladders or roofs, cuts, or shocks from faulty electric equipment.

-The CPSC also warns that candles start about 11,600 fires each year, resulting in 150 deaths, 1,200 injuries and $173 million in property loss.

-Finally, Christmas trees are involved in about 300 fires annually, resulting in 10 deaths, 30 injuries and an average of more than $10 million in property loss and damage. Causes of these fires often range from short-circuiting to damaged cords or plugs.

We want to ensure that all of us can enjoy the holidays safely – plus, good fire and electric safety practices are the key to keeping your property and casualty premiums low. Due to this, we’ve put together a list of ten tips that you can use to protect your home during the holidays; these are also tips that any business that has decorated for the holidays can follow:

1. Before putting up any holiday lights, review their packaging for the mark of a recognized testing lab to make sure that they have been tested and meet safety standards. Also, since there are different lights for indoor and outdoor use available on the market, it’s good to double check and make sure that you’re using the proper light sets in each area.

2. Before using your lights, check them over for broken or cracked sockets, frayed or bare wires, or loose connections. Be sure to throw out damaged sets and to replace any burned-out bulbs.

3. Check your extension cords and be sure that you’re not overloading them; a good rule of thumb is to use no more than three standard-size sets of lights per single extension cord.

4. If you buy a real tree for Christmas, ensure that you buy a fresh one – this means looking for a tree that’s green, sticky with resin, and that does not lose too many needles when tapped against the ground. Once this tree is in your home, be sure that it’s set up far away from heat sources like fireplaces and radiators (and do not light any candles near the tree!). Give it plenty of water to keep it from drying out as long as possible (and dispose of the tree as soon as it begins dropping lots of needles, as this is a sign that it’s becoming even more flammable).

5. Check that the items you use to trim your tree are made from non-combustible or flame-resistant materials.

6. If you buy an artificial tree, make sure that it’s fire resistant; note that while this does not make the item fire proof, it does lesson the chances of a fire starting (and should a fire start, it’s likely to extinguish quickly).

7. Never use lights on a metallic tree, as faulty lights can create a charge that could electrocute someone who touches a branch on the tree.

8. Do not put a tree up in front of a door or in a busy hallway, as this can cause an accident or even block an emergency exit in unforeseen situations.

9. Always double check that candles have been extinguished when no one is in a room or when you to go bed. Additionally, always turn off all of your holiday lights, from the ones outside to the ones on your tree (fake or real) when you go to bed; a single short in a light circuit or candle accidentally falling over can easily result in a fire.

10. If you open presents and have a fireplace, do not burn any wrapping paper in the fireplace; since wrapping paper can ignite quickly and burn intensely, a flash fire could develop right before your eyes.

Tips like these should be added onto the safety procedures we recommended using during Thanksgiving, since safety guidelines for cooking and keeping guests out of harm’s way should also be taken in account during December celebrations. Remember: taking these precautions will go a long way in protecting your friends, family, and your property during the holidays, allowing you to truly enjoy this most wonderful time of the year.

Our Fisher Widmann Flick Insurance Agency staff all wishes you a Merry Christmas and happy holidays. Stay safe!