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

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8/5/2014 3:11 AM

The Laundromat Lease Trap

Does reading make you smarter? If you agree-as I do- that reading makes you smarter, I have a gift for you. It's not an "instant fix". Rather it's a serious look at one of the most overlooked and potentially dangerous areas that, if not addressed, could have be devastating to your Laundromat. A vast majority of the Laundromats we represent are leased spaces where there is a landlord/tenant relationship and believe it or not, your lease can have a dramatic effect on what is and what is not covered on your Laundromat Insurance policy. A poorly written lease can unintentionally put you, the Laundromat owner, on the hook for things that no insurance can cover! As I said, it's not an instant fix. The White paper is 6 pages that details the 3 Main Things to look for in your lease that will negatively impact your insurance protection. I believe it will cause you to think deeply about your lease and landlord/tenant relationship. Click below to download the report http://w ...

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7/16/2013 11:32 PM

Hurricane Preparedness

A hurricane is a very powerful rotating tropical storm that produces fierce wind and torrential rain. Hurricanes develop over large bodies of warm water - including parts of the Atlantic Ocean, Gulf of Mexico and Caribbean Sea - and move generally northward. Although the southern and eastern coastal regions of the U.S. are vulnerable to the most devastating effects of hurricanes, inland regions can be impacted by the storm's remnant winds, rains, or even following tornadoes. The best time to think about a natural disaster is when there is not one in sight and you can undertake effective planning without stress. Start by getting organized and doing simple tasks. Download our disaster preparedness checklist to help with your planning.  Here is what you need to do: Review your insurance policy to ensure you have sufficient coverage. We can help. Create safety plans for your family and your business. Families, draw up an evacuation plan that tells everyone where to go and how to kee ...

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5/15/2013 2:00 AM

Share the Road with Motorcycles: Biker Safety

There are millions of motorcycles on America’s roads and the accident rate is much higher than for other vehicles. Motorcycling can be a high risk activity but many of those risks arise from other road users not giving these riders the attention they deserve. Since May is Motorcycle Safety Month, here are some safety tips for bikers and motorists alike. For Bikers: - Always wear a helmet. A helmet could be your only source of protection in a crash. - Ride with caution and drive defensively. Never ride in between lanes or instigate aggressive driving with other motorists, and make sure they can see you. - Check your bike and yourself. Conduct a safety inspection on your motorcycle before each ride. Also, make sure you wear protective gear such as gloves, boots and a jacket. This will help reduce the severity of injury if you are involved in a crash. - Watch your speed. Of all vehicles motorcycles accelrate the fastest. For Drivers: - Check your blind spots and loo ...

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5/7/2013 4:55 AM

Alcohol and Prom Night

Prom is a rite of passage, signaling the end of a high school career and the beginning of a new way of life. Sadly, prom also represents one of the most dangerous nights on the road. Many young people endanger themselves and others because of drinking and driving. Teenage car accidents peak during prom season and underage drinking is one of the main causes. Peer pressure and a sense of camaraderie can overshadow any teen’s common sense. Nobody fully prepare a teen for the moment of choice when they have to decide between just saying no and getting in a car with a drunk driver.Parents can minimize the risks that go with prom night but talking to their children about alcohol and the consequences. Some schools offer after prom parties where teens participate in a designated area and are treated to activities other than drinking. Many students are hesitant to participate in these parties, perhaps they are not cool enough or they want to be with their friends somewhere else. Parents and educators can work ...

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4/9/2013 11:49 PM

Distracted Driving Awareness Month

April is Distracted Driving Awareness Month. Despite the risks, many people still engage in accident causing driving behaviors that are otherwise preventable. Here are some sombering statistics as to why some may call distractive driving a national epidemic:


~Approximately 86% of drivers say they ate while driving

~37% of drivers have sent or received text messages while driving

~36% adult drivers said they have read maps while driving

~Younger drivers were more likely to be distracted drivers, while men were most likely to drive sleepy, drunk, or reading a map

~Most people are aware that distracted driving is dangerous, but do it anyway.

As part of Distracted Driving Awareness Month, the National Safety Councis has issued a website where you can pledge to drive distraction free (from cell use) not only for the month of April but for the rest of the year. Pledge to be distraction free for your safety, the safety of your family and your community.

2/19/2013 10:18 PM

The Hidden Threat of Mold

Four months after Superstorm Sandy, mold is hidden in flooded buildings, underneath floors, under foundations, and door and window frames.  Sometimes it forms in plain sight and it can make homeowners sick. Mold can grow in homes that never completely dried out.  The owners may have waited to make repairs or couldn’t occupy the home because of safety concerns and vacant homes remain unheated. Even after saturated belongings are thrown out and walls are scrubbed with cleaners and bleach, mold can still be found.   Mold can cause respiratory problems in people who are allergic or have asthma, and infections in those with chronic lung conditions.  If mold is treated safely, there should be minimal health complications.  Doing it yourself, however, could make things worse.  Chemicals used to clean mold can also cause respiratory issues. Remember you should always read your policy and ask if there is coverage for mold claims. It’s important to know that some insuran ...

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2/5/2013 11:25 PM

Winter Activities and Insurance

Millions of people participate in winter activities every year.  It’s a good idea to review all of your health, accident, and life insurance you have in place. Winter Sports  Before taking a run down a slope, be sure to check out your homeowners policy and health insurance so you know what to do in case of an accident.  Ski equipment should be covered up to a specific limit by a homeowner or renters policy.  If you are an avid snowmobiler and are worried about personal or property liability, you will need a separate snowmobile insurance policy since this isn’t covered through homeowners or auto. Travel If you are planning a family or group trip, you may be able to get a policy that includes coverage for children under 18 if they are traveling with a parent.  Most policies provide coverage when you are traveling within your region but some limit the extent of coverage outside your home area or for high-risk activities.  Group travel rates are sometimes available ...

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1/20/2013 10:54 PM

Creating a Home Inventory

Would you be able to remember all of your possessions if they were destroyed?  Having a home inventory will help you get you insurance claims settled faster, verify your losses, and help you purchase the correct amount of insurance.  Start by making a list of your possessions, describing each item and where you bought it.  Attach to your list sales receipts, purchase contracts, and appraisals. Don’t get discouraged. If you have been living in the same house for many years, the task can be daunting.  Start with recent purchases and remember what you can about old possessions. If you are just setting up a household, starting an inventory list can be easier.     Items like jewelry, art, and collectibles may need to be insured separately and it’s important your agent knows about these items before a loss. Take pictures of rooms and individual items to have a visual record.  Note on the back of the photos what the item is and where you bought it.  If y ...

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1/14/2013 3:41 AM

Winter-Proofing Your Home

Winter related disasters cause over one billion dollars in damage annually. Many losses can be prevented if you take a few steps to protect your home. Melting snow can cause serious damage to property and winter storms are the third largest cause of catastrophic losses. Water damage and freezing account for the most frequent claims, followed by wind and hail. An important part of planning for winter is to review your insurance coverage.  Make sure you have enough to rebuild home and replace lost or damaged items.  If you don’t have flood insurance, please contact us about how you can obtain this important protection. Here are some tips on how to prepare your home: Outside Your Home ~Clean out gutters.  This can prevent drainage problems caused by ice that can cause water to seep into the house and drip from the ceiling and walls.  Installing gutter guards can also help prevent debris from entering the gutter and interfering with water flow. ~Trim trees and remove dead branches, w ...

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10/3/2012 12:32 AM

Dog Ownership and Bite Laws

We all love our furry friends, but did you know that pet owners could be liable if your dog attacks?  A well-trained dog is the best way to protect owners and other animals. There are about 78 million dogs owned in the US and each year more than 350,000 people are seen in emergency rooms due to dog bites.  Despite the number of victims, only 16,000 of them per year receive money from homeowners and renters insurance.  Dog Bite Law When a dog bites someone, that person can usually recover full compensation from the dog owner’s homeowners or renter’s insurance policy.  The legal grounds vary from place to place.  The One Bite Rule Dog owners are liable if they know their dog has biting tendencies before an incident occurs.  However, it’s the most difficult for the victim to prove that the dog previously bit someone.  This rule also covers injuries other than bites such as tripping and “knock-downs”.  It’s also the basis for hold ...

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