10 Safety Tips To Help Protect You This Thanksgiving

With Thanksgiving just hours away, our staff members are preparing for a wonderful holiday with their families and friends, just like you. As experts in evaluating risk, though, every member of our team understands that this wonderful holiday must also be treated with caution.

This is because Thanksgiving can be just as stressful and even risky as it is joyous; this fact is further highlighted by several Thanksgiving-related statistics:

-More cooking-related home fires occur on Thanksgiving than on any other day – in fact, the number of filed cooking or grease related claims climb more on Thanksgiving than other day in November.

-Thanksgiving is the most popular holiday for travel in the country; more people on the roads, in a rush to reach their destinations, inevitably leads to a higher number of accidents.

-With a number of guests coming into households on this holiday, the number of claims for slips and falls on or close to Thanksgiving is also on the rise.

 We know that it can seem a little daunting at first to think of Thanksgiving, a time of celebration, as a risky holiday. Fortunately, a few simple precautions can help keep you, your family, and your guests perfectly safe this holiday season, allowing you to enjoy yourself without trouble. Here are our top ten safety tips for this Thanksgiving:

  1. As you travel, give yourself some extra time to navigate the traffic. Do not drive recklessly; with more accidents than usual happening on the road right now, you want to keep yourself and your passengers as safe as possible.
  2. If you’re cooking or hosting, be alert as to what’s happening in your kitchen at all times; the last thing you want is for a guest who wanders into the kitchen to accidentally burn themselves on the stove or the pan you just pulled out of the oven.
  3. Check your smoke alarm batteries before you begin cooking.
  4. Use alarms and timers to ensure that nothing stays in the oven too long; then, as you move items in and out of the ovens, watch to make sure that your wrappers, dish towels and other fabrics and flammable items are far away from an ignition source.
  5. While we don’t recommend them due to the danger they pose, if you’re using a fryer, keep it in an open away – never in, on or under things like garages, porches, or other flammable structures near your home – and don’t leave the fryer unattended for any reason. Monitor the temperature of the fryer frequently as well. Never fry a turkey indoors.
  6. Follow the cooking directions; they exist for a reason. For example, you need to completely thaw and dry a turkey before cooking it because partially frozen or wet turkeys can result in hot oil splatters later in the process.
  7. Move slowly when picking up or lowering food; don’t risk splattering hot oil or grease by moving too quickly.
  8. Keep your skin covered to reduce the risk of being burned from any accidental hot liquid splatter – but don’t wear lose, baggy clothing, either: you don’t want your sleeves dangling somewhere they shouldn’t be!
  9. Keep in mind that you are responsible for the well-being of any guest at any age while they are on your property. Make guests aware of any slippery surfaces when they arrive, and remove any potential hazards in your home – from candles to sharp or fragile objects – from immediate reach while you have company.
  10. Keep pets as far away from the Thanksgiving preparations and food as possible. Not only does the kitchen pose a danger should anything hot or heavy fall onto a pet, but our Thanksgiving meals are often dangerous for pets; a lot of the food we eat either can’t be digested, or includes bones, which are major health hazards. Don’t risk the vet visit: keep your pets in a separate part of the house this holiday.

 Following simple safety guidelines like these can help ensure that this holiday, your house is both happy and protected. Should an incident happen, however, both our staff and the local authorities are here to help you through it.

Our Fisher Widmann Flick Insurance Agency staff all wishes you a Happy Thanksgiving. Stay safe and enjoy it!

No One Home? Insurance For Vacant Buildings And Lots Is A Must

If you own a vacant home or empty plot of land, you probably have big plans for that property; you’ve also probably put up ‘No Trespassing’ signs for the time being. The next question to ask yourself, then, is: have I properly insured my property to protect myself, as well as my big plans for that space?

These days, having insurance coverage for any unoccupied space you own is a necessity. At first, it may seem that an empty plot of land or building would not need insurance if it were not in use, but this is not the case; in fact, because these areas are unoccupied, empty buildings or lots carry their own risks and liabilities.

Image a scenario where locals might see an empty lot as a shortcut on their way to work, or teenagers might see a deserted building as a cool place to hang out. Should anyone fall or hurt him- or herself on your vacant property during their fun, based on current case law, you could be sued for damages, no matter how many ‘No Trespassing’ signs you’ve posted around the area.

The only way to truly protect yourself from a potential liability suit is to make sure your vacant lot has vacant land insurance, or that your empty property has vacant property insurance. Both types of polices are usually very affordable, and both are designed to protect your best interests.

Vacant land insurance was designed specifically to protect you financially up to a certain liability limit in the event of an accident on your property, and can be used should someone hurt himself or herself while passing through or playing in the deserted space. Vacant property insurance, on the other hand, is designed to protect an actual structure, and so will often cover damages to a building caused by both natural and manmade disasters, including fire, storms, civil commotions, vandalism, and so forth.

The need for these types of insurance is not limited to individuals or landlords, either; others who may need to insure their empty space include:

-Homeowners who are moving but still own their old house
-Real Estate Investors who are overseeing properties that have lacked tenants for over 60 days
-Banks, mortgage companies, or contractors who are holding completed or repossessed properties or lots that have not sold yet

The good news is, insuring your vacant property or building may not be that difficult! In some cases, it’s an easy as extending a homeowners policy, purchasing an umbrella policy, or simply buying vacant property insurance for a couple of months. And with the right insurance agent, getting this done can be incredibly simple.

We highly encourage anyone who owns a vacant building or lot to talk to a member of our Fisher Widmann Flick Insurance Agency staff; we can find out what the most cost effective solution to your insurance needs really is. Don’t let your property pose a risk any longer; whether you live in the Johnstown area or even in Blaire County, Cambria County, Somerset, Latrobe, and any other nearby counties, if you contact us today, our local staff members will meet with you as soon as possible to evaluate your specific needs and make sure that you’re protected.

Protect Your Antiques With Classic Car Insurance

We, like many Americans, love classic cars. Whether they’re low riders, classic trucks, tractors, or the most recognizable of antique classics, we appreciate them all.

It’s difficult not to love something as beautiful as a shining old vehicle. These fascinating machines have a way of captivating us; they bring memories back to life and almost seem to capture moments in history. It’s no wonder that people love to drive and collect them.

If you own or collect classic cars, though, you understand that not only are they beautiful: they are an investment; so whether you purchased or restored that classic automobile, it needs to be protected.

Whether you drive your car frequently, occasionally, or even just to special shows and events, you know that your classic vehicle needs auto insurance, just like a regular car. But you also know that classic cars are special. This means not only does your car need to be insured for roadside assistance, collision damage and more; you need to know that the full value of your car is protected.

Our staff at the Johnstown-based the Fisher Widmann Flick Insurance Agency (F.W.F Insurance Agency) understands that the insurance you get for a classic car needs to be as special as the vehicle itself is. Our partner, Safeco Insurance (a Liberty Mutual-owned company), understands this as well. That’s why we’re here to help you buy the perfect policy for your classic car, ensuring that it’s covered well into its golden years.

We can help collectors and owners build a policy just for their classic automobile by asking the right questions. How many miles will you or do you drive in your car? How old is your car? Does it have any custom modifications? How many cars do you own?

Whatever the answers to these questions are, we promise: we can find or build a policy that’s perfect for your needs, ensuring that your collection of one, two, 50 or more classic cars is always fully protected.

Talk to one our representatives today for personalized advice based on your collection and your needs. Whether you’re located in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties, we’re ready to work with you so that you can continue to enjoy using your classic cars with the knowledge that they are fully insured. Our representatives will use their connections to 15 other major insurance companies, including SafeCo, to ensure that your policy is as comprehensive as possible.

We’re ready to help you hit the road in classic style and with the comforting knowledge that you are 100% protected; contact us now to set up a meeting with one of our local representatives in central Pennsylvania.

FWF Will Help Volunteer Firefighters Get The Benefits They Deserve

At the Fisher Widmann Flick Insurance Agency, we understand the challenges that Pennsylvania locals face when obtaining insurance; a little change in a local policy or state law can make a big difference in the insurance recommendations we make for individuals, businesses, and municipalities alike.

One example of a local law that has affected our insurance recommendations is Pennsylvania Act 46, a law with good intentions that has sadly had a negative affect on our state’s volunteer fire departments and firefighters alike.

Act 46 is also known as the “Firefighters Cancer Presumption Law”; inspired by the long-term health risks 9-11 servers were facing, the law is meant to do a good service: provide benefits for firefighters who developed cancer in the line of duty.

Unfortunately, as more and more workers compensation claims are coming in, insurance companies, concerned over growing costs, are beginning to revisit their rates, which can result in municipality and local budget cuts due to an increased cost of their insurance packages; some insurance companies have even considered worker compensation for firefighters (especially volunteers) altogether. While this is not the case for every insurance company, it has happened enough to cause concern amongst the Pennsylvania firefighting community.

Any worker deserves to have workers comp insurance protecting them in case of an accident, but for firefighters, workers comp is more than that: it’s an essential protection that could provide income, medical benefits and rehabilitative services should that firefighter be injured on the job. For volunteer firefighters, who give their services for no regular pay, this benefit is all the more important.

We at the FWF want to make sure that no one as courageous and generous as a volunteer firefighter serves their community without the proper protection they deserve. We encourage anyone facing a loss of workers comp as a result of this act to contact us so that we can help you get back what you have earned and what you truly deserve: solid protection.

Our staff across the state are working to replace any coverage lost under Act 46; please contact us or one of our local representatives if your workers comp coverage has been canceled. Wherever you may be located – Blaire County, Cambria County, Somerset, Latrobe, and beyond – we’re there, and we’re ready to help you. Whether we need to work our connections at 15 other major insurance organizations to find your group a new plan with a new company, or work with the State Workers Compensation Fund, we can obtain new coverage that ensures your local volunteer firefighters continue to help their community with every benefit they deserve protecting them in return for their service.

Don’t Settle For Average: Get All Of The Coverage Your Municipality Needs

If you work within or under a municipality, county or city’s governing body, then you understand better than most just how much responsibility your organization carries on its shoulders every day.

Sometimes it’s easy for the general public to forget that the people working within these groups are in charge of ensuring an entire city’s basic services run smoothly – everything from sanitation, water and street maintenance to schools and food inspections, as well as transportation, safety and health department operations.

These governing bodies and their employees deal with unique challenges every day as part of their jobs. To further complicate matters, not only do municipalities tackle local issues as part of their job: they also deal with sad economic realities behind the scenes, often juggling to operate on budget while still keeping solid insurance plans in place to protect their communities and their employees.

We understand that today’s economy has created many challenges for our public service workers. That’s we believe that instead of relying on certain preordained and often pricey insurance plans, municipalities each need to look into customized insurance plans that protect and address what matters most to them.

That’s where we come in; the Fisher Widmann Flick Insurance Agency is here to help ensure that all of central Pennsylvania’s counties are adequately covered and insured at an affordable cost.

Maybe you need to build a better health benefits plan for your employees, which covers everything from personal health support to treatment decision support. Maybe you need insurance that can help in cases of general liability, auto liability and physical damage, public entity management liability or law enforcement liability. Maybe you need protection against property damage. Or maybe there’s an issue unique to your area that you want to address and be prepared for.

Whatever your situation may be, we are here to help.

Whether you’re located in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties, we’re ready to work with you so that you can continue going about your daily operations without worrying about whether your insurance is good enough when it matters. Our representatives can use their connections to 15 other major insurance companies to thoroughly analyze your municipality and evaluate any current or future risks you may have to deal with – and then, we can create affordable and flexible insurance coverage plans just for you.

If you are a municipality looking for a competitive insurance proposal, contact us now to set up a meeting with one of our local representatives in central Pennsylvania. We’ll build the best plan at the best rate just for you – it’s what we do best!