If you own a restaurant, bar, or nightclub you most likely serve alcoholic beverages. If you own a business and you invite clients to an open house on your premises and serve alcohol; an intoxicated customer can cause damage or gets injured on your premise after being served alcohol, you can be held liable. To […]
Read MoreLaundry Pods: A Hidden Danger
When we think of laundry, we usually think of it as dreaded chore or maybe you think of fresh sheets, but you usually don’t think of danger. In the last few years, laundry pods have grown in popularity because they are convenient. However in the hands of a young child they can be fatal. In 2016, […]
Read MoreStaying Cool During a Power Outage
In the summer months, power outages can be more than an inconvenience – it can be very dangerous, especially if you do not have a game plan to keep cool and minimize risks. We have complied a list of tips that will have you create a game plan, stay safe and maintain your cool. We […]
Read MoreKeeping You and Your Yard Safe This Summer
For many of our neighbors in the Chicagoland area, summer means more than sunshine and vacations. It also means working in their yard – often with tools that can be dangerous if not used properly. The U.S. Consumer Product Safety Commission (CPSC) estimates about 230,000 people each year are treated in hospital emergency rooms for […]
Read MoreFive Motorcycle Safety Tips
Be Prepared. Be Protected. You’re no kid and that’s no 10-speed. To stay safe, you need complete command of your motorcycle and the best safety gear you can get. Next time you’re heading for the highway, keep in mind these helpful motorcycle safety tips. 1. Use Safety Gear Your motorcycle insurance policy covers up to $3,000 in custom […]
Read MoreDon’t Shortchange Your Retirement
You finally did it. You finally said “I’m done working.” Now that you are able to relax and do things you enjoy, you may be wondering if you have enough money to maintain your living standards. According to the National Retirement Risk Index from The Center for Retirement Research at Boston College, approximately 52% of […]
Read MoreInsurance Tips for You and Your Sweetheart
If you or someone you know is ready to embark on a new life together, your insurance is not likely to be a topic you discuss. This is why we have assembled a short checklist of “Insurance Tips for You and Your Sweetheart.” Yes, there are some things you can (and should) do to keep […]
Read MoreYour Home-Based Business Needs a Small Business Policy
If you are a new or veteran home-based business owner, you may believe that your homeowner or renter’s insurance policy give you protection on your business. Most homeowner and renter’s insurance policies offer little to no coverage for business-related losses. A homeowner’s policy is not designed to cover business losses. Most policies cover a small […]
Read MoreGeneral Liability and Workers Comp Audits: Ways to Make Them Run Smoothly
As a business owner, you may not see the benefits of premium audits, but they are just as important to you as they are to your insurance carrier. Business policy premiums are based on the amounts of payroll, sales and other costs that you are reasonably expected to have when you are first issued your policy. […]
Read MoreTips to Avoid Animal-Vehicle Collisions
Animal-vehicle collisions are not only costly but can be dangerous. In the states of Illinois, Iowa, Michigan, Minnesota and Wisconsin, it is estimated that more than 149,000 animal-vehicle collisions resulting in more than 100 deaths occur each year. Fall is here and winter is approaching, this is the time of year when most animal-vehicle collisions […]
Read More