From the category archives: Brooks-Waterburn Corp Insurance Protection Blog

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9/11/2012 11:52 PM

Terrorism Insurance

Terrorism coverage is offered by most insurance companies but very few business owners and individuals have selected any amount.  Terrorism insurance provides coverage to individuals and business for losses due to acts of terrorism. Homeowners’ insurance policies include coverage for damage done to personal possessions, even though it’s usually not referenced.  The policy does cover loss due to explosions, fire and smoke, caused by a terrorist attack. Condo, co-op’s, and renters personal possessions are also covered; however damages due to the common areas of the building such as the roof, basement, and boiler would only be covered if the property owner has purchased terrorism coverage. Auto insurance policies will cover a car that is damaged in a terrorist attack only if the policy holder has purchased comprehensive coverage. Life insurance policies do not contain terrorism exclusions, but proceeds will be paid to the beneficiary as stated on the policy.  Health and disabili ...

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9/4/2012 4:35 AM

Back to School Safety

According to the National Highway Traffic Administration, 149 school-age pedestrians have died in school transportation related crashes since 1998.  Sixty nine percent have been killed by school buses, while 24 percent by other vehicles involved in crashes. Parents should discuss with their children the importance of busing safely along with other transportation risks that involve traveling to and from school.  Below are some tips to help the conversation get started:  At the Bus Stop ~Arrive to the bus stop five minutes before its scheduled arrival. ~When the bus approaches, make sure to stand at least 6 feet away from the curb. ~Be sure you can see the bus driver as well as them being able to see you. ~Never walk behind the bus.    On the School Bus ~Children should always stay seating while the bus is moving. ~Do not jump, fight, or make a lot of noise on the bus. This can distract the driver from paying attention to the road. ~Check to see that no other traffic is co ...

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8/29/2012 1:30 AM

Labor Day Weekend Safe Driving Tips

The National Safety Council has estimated that 400 traffic fatalities will occur over the holiday weekend with an additional 38,800 resulting in injuries. With the upcoming holiday, millions of drivers are taking to the road.  Here are some tips to help you stay safe: ~Make sure you are rested before driving. Tired drivers are a hazard to themselves and to those around them and mistakes can be made in judgment.  ~Wear a seatbelt. Make sure everyone else in the car is also buckled up.  ~Remember the two-second rule and don’t tailgate. Keeping a safe distance between your car and the car in front of you can help prevent an accident.  ~Obey traffic signals and speed limits. Be aware that police officers will be out to ensure that everyone is obeying traffic laws.  ~Don’t drink and drive.  ~Don’t text and drive.  ~Pay attention to emergency signals. If you see an emergency vehicle lights flashing, move over and slow down.  ~Enforce a driver&rsq ...

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8/14/2012 12:57 AM

Tips on Preventing Backing Accidents

The majority of backing up accidents are usually caused by driver unawareness or improper techniques.  Many of these accidents can be prevented just by remembering these simple tips:   ~When entering an alley that doesn’t permit drive through or turnaround, back into the alley.  This will allow you to see the traffic as you exit.  Also, ask someone to be your guide and signal when it’s safe as opposed to verbal commands.  ~Most accidents that cause injury involve children.  Make sure you do a walk around inspection of your vehicle before backing.  ~If parking on an incline, turn the front wheels into the curb to prevent the vehicle from rolling.  ~Park in the middle of the parking space and remember to evaluate the location to determine if there are obstacles present.  ~Learn how the rear of the vehicle responds and practice backing.  ~Be aware of your surrounds and perform all maneuvers slowly.  ~Check all of your mirrors and blind ...

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8/7/2012 11:39 PM

Keeping Your Eyes On the Road and Off the Cell Phone

The increase use of cell phones has lead to the rise of the number of people who use this device while driving.  As convenient and simple as this modern day technology may be, there’s also responsibility that comes along with it.  There are several dangers associated with driving and cell phone use with the main cause being driver distraction.  When people become too absorbed in their conversation, text messages, or Web surfing, this may lead to near crashes or crashes which can be fatal. Texting while driving has become a growing trend and is one of the country’s top killers.  Drivers assume they can handle texting while driving but the numbers don’t lie. Here are some causes as a result of texting and driving: ~According to the National Safety Council, texting causes 1,600,000 accidents per year.  ~330,000 injuries per year, as reported by the Harvard Center for Risk Analysis Study  ~11 teen deaths EVERY DAY, according to the Insurance Institute for ...

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7/31/2012 1:51 AM

Insurance Implications for College Bound Students

The parents of college students that are moving to on or off-campus housing should review their insurance policies to make sure their children’s personal possessions are covered while they are away at school. Before your child heads off to college, take the following steps:  1. Create a ‘dorm inventory’—a list of items the student plans to bring to school, along with its estimated value. Having an up-to-date inventory can help determine how much insurance to purchase and get insurance claims settled faster in the event of theft, fire or other types of disasters.  2. Contact your insurance agent—college is a major life event that may trigger the need for changes in insurance coverage, so ask about the insurance implications of your child becoming a full-time student and determine if supplemental insurance is needed.  Some homeowners and/or renters policies include protection for a college student’s personal possessions away from home, if they l ...

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6/5/2012 1:37 AM

Should You Take Car Rental Insurance?

Have you ever been standing at the car rental desk when the clerk asks, ‘would you like to add insurance to your rental vehicle today?’  And you wonder…. "Does my auto policy cover the rental?  Does the credit card I’m using to pay for the car cover it?  Or should I buy the rental company's insurance?" Unfortunately, I don’t have a quick answer for you…rental car coverage can be trickier than anybody would like it to be.  What you decide to do depends on several things: First, your auto policy most likely extends coverage to rented vehicles.  HOWEVER, that will not always be true!  It depends on where and how you use the rented vehicle. For example, if you're doing business while away, your personal auto policy may NOT cover you or the rented car. And, you may travel to a country or territory that's excluded by your policy. Plus, only coverage you've purchased for yourself extends to the rental car. Rental car companies have little tricks ...

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5/30/2012 1:59 AM

The Importance of Having an Insurance Agent

Whether it’s driving to work, picking up the kids, or meeting up with friends, everybody is engulfed in their daily routines and activities.  Most people don’t think about what could be lurking around the corner and how life can change in an instant.

Maggie’s touching story reiterates how unpredictable life can be and how your insurance agent can help guide you when the unexpected occurs. People like Maggie are the reason why we do what we do every day.

Maggie’s Story


5/23/2012 12:42 AM

The Pitfalls of Telecommuting

With ever-changing technology mixed in with the era of high gas prices, a new world of work has been created..telecommuting.  More and more employees seek to take advantage of the benefits of telecommuting, but it has become a prime hotspot for most employers. Federal and state labor laws apply to telecommuting employees just as they would if they were working on site.      Here are just a few legal issues employers face and how they can handle them:  Wage and Hour Requirements-To qualify as a telecommuter, an employee must receive pay for work done off site.  Work schedules must be monitored and recorded as if the employee was clocking in and out, same as their onsite counterparts.  Safety-OSHA doesn’t have any regulations governing telework in home offices, but they will conduct inspections of other home-based work sites, such as “home manufacturing operations” if they receive a complaint.  Workers Compensation-Injuries at th ...

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5/15/2012 12:59 AM

Talking To Your Teens About Safe Driving

Summer is just around the corner and this is the time of year where everybody should be more cautious on the road, especially young drivers.  The months between graduation and summer vacation are the most deadliest for teenage drivers. For many, it will be their first taste of freedom as they become new license holders.  For parents, it can be the most nerve wrecking, but they are also the key in helping lower the risk of accidents among youth. Many parents believe that drunk driving is the number one cause of teenage accidents when in reality it is not.  Risky driving behaviors such as texting, speeding, rowdy passengers, and talking on the phone play a major role in youth accidents. Parents are encouraged to talk to their children about the dangers of risky driving behavior before they are old enough to get behind the wheel.  According to the Insurance Institute for Highway Safety, August, July, May and June are the four deadliest months for youth crash deaths. Parents’ involve ...

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