From the monthly archives: September 2012

We are pleased to present below all posts archived in 'September 2012'. If you still can't find what you are looking for, try using the search box.

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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