Tag Archives: insurance

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Care for your car; preventative maintence helps prevent auto accidents.

Car Care Month: Maintenance Tips to Keep Insurance Down

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Most of us welcome in the spring weather with the cleaning of our homes, offices, and garages, but did you ever think about the importance of your car? Since winter weather can put a beating on your car with all the slush, salt, sand and potholes, it’s important to undo these damages. As the seasons change, so does the maintenance requirements for your car. April is known as National Car Care Month. The following car maintenance tips for spring can help you protect yourself and keep your insurance premiums to a minimum.

So now you may ask, where does my insurance come to play? That’s easy, a well-maintained car could mean less accidents. Less accidents mean lower insurance premiums. Here are a few straightforward car maintenance tips to keep your insurance premium lower.


Oil

Oil should be changed on a regular basis, usually every 3,000 to 5,000 miles (recommended by mechanics), which helps prolong the life of your car. Although, the car make and model, and type of oil used, (synthetic, conventional, or high performance) will alter the number of miles between changes. There are many benefits of adding new, clean oil to your car, such as better gas mileage, your engine running more efficiently and less debris in your system.

Brakes
Your brakes should be inspected regularly since your pads and shoes will wear and tear between every 20,000 and 60,000 miles, and eventually need to be replaced. When you are driving and have to step on the brake pedal, make sure you are paying attention to how the brakes feel and listen for any strange noises like grinding, screeching, clicking, or the car pulling to one side. Also make sure you are aware of any warning lights up on your dashboard.

Tires
Changing your tires and rotating them regularly is also important. If you are not sure when they should be rotated, the type of car model, usage, and tires will determine how many miles your car can go between rotations. Your car will operate better, your tires will last longer, and your gas mileage will improve if you have your mechanic change your tires from driver side to passenger side or front to back.

Plugs
Your spark plugs are an integral part of your car’s motor, and if they are not checked with a regular service, cleaned, or changed when needed, they could cause major problems like choking the engine or causing the catalytic converter to fail. If your car is having trouble starting, the idling is rough, it jerks while driving, or gas mileage gets worse, then this mean it’s time for new spark plugs.

Filter
Keeping your car’s air filter clean and replacing it every 30,000-45,000 miles (depending on your car model) is also extremely important. Air filters are used to keep debris and dirt from entering, which can end up causing a bigger problem. Changing your car filter is another thing you can do on your own to avoid taking it to your repairman.

Lights
Make sure your brake lights, headlights, and taillights are always clean and working. It can be easy to change out your lightbulbs rather than taking it to the repairman, but make sure to do it as soon as possible.

 

Talk to your Yetter Insurance Agent about ways to lower your insurance costs regarding these car maintenance tips. We’ll help make sure you get the best help possible. Contact Yetter Insurance today at our Milford office. Visit www.yetterins.com or call 570-296-8329.

 

Resources: http://www.enhancedinsurance.com/simple-car-maintenance-tips-keep-premium-lower/


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Data Breach Insurance sold by Yetter Insurance Agency

Protect Your Business Against a Data Breach

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In today’s world, technology plays an enormous part when it comes to having a positive impact, but it also has its risks, like the risk of a data breach.

A data breach is when confidential information is stolen, copied, viewed, transmitted, or used by an unauthorized person. Since many businesses are doing their transactions online with a constant internet connection, you are more accessible to a data breach. This is not the only reason data breaches occur.  A common reason for data breach is due to employee mistakes and carelessness in business operations.

Data breach insurance helps to cover a variety of your liability and response expense losses.  Here are 10 things you can do to prevent a data breach from happening and safeguard your important information.

  1. Make sure all computers are secured by password protection and update passwords frequently. You should also keep multiple levels of passwords in order to access databases that are storing any kind of personal information.
  1. You should always make sure your important data is stored in an encrypted database. This is the process of converting data, within a database, in plain text format into a suitable algorithm. This may be costly and requires more storage space than unencrypted data, but it offers superior protection.
  1. You should also always make sure that your firewalls are up and secure. It is important that you have malware detection software active on all servers and workstations. These should be kept up-to-date!
  1. When you collect information, make sure to keep only what you need by minimizing the places you store personal data and retain only what is necessary.
  1. Educate your employees on what information is sensitive and what their responsibilities are when it comes to protecting that data. You can do this by providing a written policy about the importance of privacy and the security of data.
  1. The use of portable media, such as CDs, DVDs, and USB flash drives are more vulnerable to theft. You should only allow encrypted data to these portable storage devices.
  1. Never use social security numbers or client account numbers as employee identifications.
  1. All physical records should be locked in a secured location, with restricted access to only the employees who need to obtain personal data. The employees who are accessing this information should be given a background check beforehand.
  1. Before disposing of any private information, all paper files containing private information should be shredded, all portable media should be destroyed. If you are trying to delete files from your computer, or reformat hard drives, use a software design to permanently wipe the files clear.
  1. Lastly, call your Yetter Insurance Agent today to apply for data breach insurance coverage.

For a more thorough analysis of your risk exposures and what you can do to help minimize your exposure, talk to your Yetter Insurance Agent. We’ll help make sure you get the best coverage possible. Contact Yetter Insurance today at our Milford office; visit www.yetterins.com or call 570.296-8329.

 

Sources: Central-Insurance.comForbes


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Life insurance helps you plan for your family's financial future

Protect The Ones You Love With Life Insurance

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Make sure your business is protected with Workers Compensation insurance

10 Tips to Keep the Workplace Safe and Lower Costs

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Even though employment can contribute positively to a worker’s physical health, each year, many workers experience a work-related injury or illness. Not all industries are the same, so safety tips for work environments are different according to the type of work and potential injuries. Here are things you can do throughout the year that will help you keep your workplace safe and your workers’ compensation premiums low.

1. Safety procedures should be enforced. Having safety-training programs available for your employees and rules in the work place is a way of showing your employees you care for their wellbeing while keeping insurance costs down.

2. In addition to safety training programs, it’s just as important to review the safety policies with employees on a regular basis.

3. Train employees what to do in case of emergencies. Establish protocols for different types of emergencies, like fire, injury, or hazardous spill, and practice drills regularly.

4. Make sure that spills and other potential hazards are cleaned up immediately to avoid any slips or falls.

5. Allow your employees frequent breaks when necessary so you are not working them to the point of overexertion! Tired employees are more at risk for injury or to cause an accident.

6. Suitable training on how to use industry tools and materials should be done before employees start work. This could include proper lifting techniques for heavy objects and using all necessary safety equipment, such as goggles, gloves and respirators when necessary.

7. Listen to your workers about any concerns they may have on potentially hazardous processes and unsafe conditions. Assess the situation and consider what safety improvements can be made.

8. Reducing repetitive motion disorders can help keep premiums at a minimum in preventing workplace injuries. Here are a few ways to avoid this:

• Train your employees about the repetitive motion disorder risk factors in the workplace
• Include frequent breaks
• Vary tasks so that repetitive hand movements are alternated with other work
• Set reasonable deadlines

9. Keep a safety checklist with all potential hazards in your workplace in order for the managers to discover potential hazards.

10. Give an honest representation right away of what your employees do in their occupation to avoid the risk of cancellation after an “audit” or inspection.

Talk to your Yetter Insurance agent about ways to lower workers’ compensation insurance costs. We’ll help make sure you get the best help possible and will get you in contact with our loss control consultants to create an account with Grainger online Safety Manager. Contact Yetter Insurance Agency today at our Milford office. Visit www.yetterins.com or call 570.296-8329.

Sources:
http://www.jvrcinsurance.com/business-insurance-blog/safety-tips-work
http://www.labour.gov.on.ca/english/hs/pubs/ergonomics/is_ergonomics.php


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Insure your expensive holiday gifts with Yetter Insurance Agency

‘Tis the Season to Insure Your New Gifts

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It’s that time of the year again for gift giving. If you know someone that made Santa’s nice list, or if you’ve been extra good this year, then don’t forget to insure your extra special gifts—from computers and jewelry to vacation packages and more. Many people don’t think about getting insurance on these gifts because they automatically assume their homeowners insurance will cover it, but that’s not always the case.

If You Give an Extra Special Gift

If you are giving someone an expensive gift this year, first consider your own insurance. Anything can happen from the time you purchase the gift until it’s safely under the tree. Suppose your car gets stolen with the gift inside while you’re at a gas station. Don’t assume your car insurance will cover this. You need to have what’s called off-premises theft coverage on either a homeowners or renters insurance policy for that gift you just purchased to be covered. Here’s another scenario: say you left the gift sitting in the attic of your house to hide it from the kids, and you end up having a house fire. Then what? It’s your homeowners or renters insurance policy that would cover you. The gifts are your property until you give them away.

If You Get an Extra Special Gift

The insurance coverage all depends on what kind of gift it is:

Jewelry

Jewelry is considered a valuable item that can be stolen at any given time. Many insurance policies have a relatively low liability limit for theft. There are three options when it comes to insuring jewelry.

  • Purchasing a jewelry rider will protect each individual piece of jewelry you own against damage and theft. Make sure each valuable piece of jewelry you own has an itemized value listed in the policy so there is no conflict if you have to make a claim. Keep all of the assessment paperwork with your policy.
  • You can increase the coverage for your jewelry by raising the limit of liability coverage. Raising the amount of liability coverage is the most cost effective option, but the amount you can claim for an individual item may be limited.
  • You can purchase floater policies for the jewelry, which can be more expensive, but provides broader protection.

Home Office Electronics

This is a huge area that is commonly underinsured in most homes. Make sure you tell your insurance agent about any expensive computers, TVs, stereos, game consoles, printers, or other devices, and see what coverage you currently have. Also, find out what type of protection is afforded by your homeowners or renters insurance policy before you have to make a claim.

Vacation Package

Travel insurance is a way to help ensure that you can be protected in the event of a flight cancellation, or any unforeseen costs while traveling. Travel insurance can even protect you in the event that you have to cancel your trip entirely. When you purchase travel insurance through Yetter, we can provide coverage for overseas medical expenses including emergency evacuation.

Talk to your Yetter Insurance agent about insuring these extra special gifts this year. We’ll help make sure you get the right coverage at the best rate. Contact Yetter Insurance today at our Milford office—visit www.yetterins.com or call 570.296-8329.

 

h/t: http://blog.equifax.com/insurance/must-have-insurance-policies-for-expensive-holiday-gifts/


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