Informative articles on insurance, safety and risk for you, your family or your business. Each article includes a link for you to share with anyone who may benefit.
For most of the children in the New York, the end of August means those lazy dog days of summer are coming to a close, and those books and desks are what will be opening up next. For parents, the back-to-school season is a great time of year to look over insurance policies, and make sure they are up to date. Here are some insurance situations to consider as the kiddos hit the books.
Do you have a new driver in the house, or one that will be in driver's education this school year? If so, it's time to talk to HBE Group, Inc. about setting them up on your auto insurance policy. Although new drivers can be a costly addition, there are some ways to save money, including the completion of safety courses and good grade discounts that you may want to discuss. That's right, what a great incentive for your child to boost grades, right? Typically, the child needs a B average or more to be eligible, and we will line you out on the specifics as they pertain to your car insurance policy.
Do you have a child going off to college? Is your child prepared for the inevitable onslaught of cold and flu season that seems to occur each fall and winter, with germs that spread quickly throughout the schools? This is a good time to make sure you and your family are adequately covered for any medical emergencies or random sicknesses that may occur. And with the college students, you can generally keep them on your policy if they are attending school full-time. However, many universities offer affordable health insurance for full-time students, and this may be worth looking into.
Because we seem to acquire new things year round, it's always good, anytime of year, to make sure your home and belongings are adequately covered in your home insurance policy in case of a fire or robbery. And if you have a child going off to school, they are most likely toting some of their own valuables (or yours!) with them, such as a stereo, sports equipment, and jewelry. It's a good idea to talk to your insurance provider about ways to add this onto your home insurance policy, in case of dorm room theft.
Back to school, whether it's a first timer entering kindergarten or a child packing up for college, is an exciting time for families. It's also a great time to cover all of your bases insurance-wise.
Call or contact HBE Group, Inc. today to discuss back-to-school insurance needs.
Contractors are people, too. What does that mean? Well, even though they may have licenses and many years of experience in their profession, they are fallible. There are good ones and bad ones. Some are ethical and honest, while others seem to be missing a conscience. Just as you would be careful about choosing a nanny, a personal accountant, or a used car salesman, so should you use caution in selecting a contractor before you begin that home building project, renovation, or repair. Here are some good tips to avoid getting taken for a ride:
If you are hiring a contractor in New York to help rebuild after any sort of natural disaster or accident, and your insurance company is footing some or all of the bill, don't hesitate to involve your insurance company or agent if you have any questions or concerns. He or she will be a good, trustworthy resource as you navigate the ins and outs of employing a contractor.
Umbrella insurance is a term for insurance that sits "over the top" of your auto and homeowner's insurance policies. It supplements your existing policies and provides increased protection to your current assets as well as your future income. Unlike pure "excess insurance," which kicks into gear only after all the underlying insurance policies have been exhausted, umbrella insurance can also fill in any gaps in coverage between other insurance policies.
Most umbrella insurance policies are sold in increments of one million dollars. A one million dollar umbrella insurance policy, coupled with an already-existing auto insurance policy with a $300,000 liability limit, will afford $1,300,000 liability coverage in most auto liability situations.
Umbrella insurance is a liability coverage, which means that if any mishap has been deemed your fault or responsibility, the liability insurance will cover expenses that would otherwise have to come out of your pocket. Umbrella insurance can come in handy in all kinds of situations, including the following:
Think umbrella insurance is an exorbitant form of added security that only the wealthy can afford? Think again. It's actually quite affordable, costing as little as $150 annually for the first million dollars in coverage.
Call or contact HBE Group, Inc. today about how an umbrella insurance policy might help to keep you high and dry when life brings an unexpected storm.
*All umbrella policies have limitations and exclusions. The examples here do not supersede insurance policy language. If you have umbrella insurance, you should check the policy language or check with your insurance agents for any applicable limitations or exclusions.
No one revels in the delights of summer like a kid. New York schools are out, the sun is high and hot, and the long days are filled with light and the prospect of innumerable adventures. In fact, because there is so much potential for adventure-much of it unsupervised-many parents opt to enroll their kids in one or more summer camps in hopes that having a set schedule and a series of planned activities in which to participate will keep the youngsters out of trouble and, most importantly, out of harm's way. But summer seems to invite as many childhood accidents as it does moments of bliss, and no matter how structured a kid's summer is, a certain amount of mishaps are inevitable. The warm weather inspires a whole new slew of activities, many of which require an increased attention to safety on the part of both kids and parents. Use the following three tips to keep kids safer this summer:
Have Helmets on Hand - Kids spend a lot of time outside in the summer, and much of that time is spent on bicycles, rollerblades, skateboards, scooters, and other wheeled contraptions. And don't forget about trampolines and pogo sticks-they, too, are popular with the rambunctious younger set. Consequently, there's an increased risk for head injuries in the summertime, when kids are outdoors doing things that can potentially result in crashes and falls. Have helmets on hand for all the kids in your life to don each and every time they use one of the above-mentioned items. Make sure every child has a helmet that is properly fitted to his or her head. Mark helmets with colored tape or children's names so they can readily identify which one is theirs, and store helmets in an easily accessible place, such as a chest near the front door, so kids never have an excuse (i.e. "I couldn't find it!") not to wear them.
Be Vigilant About Sun Protection - Severe burns, dehydration, and heat stroke all land kids in the emergency room during the summer months. Make a generous application of sunscreen part of the morning routine in your house, ensuring that every kid is covered in high SPF sun protection. Opt for a chemical-free, physical sunscreen (one that uses physical blockers such as titanium dioxide, rather than potentially toxic chemical screens) that offers broad-spectrum (both UVA and UVB) protection. Make sure kids have hats, as well as lightweight garments with built-in sunblocking capabilities that can offer further protection. In addition, encourage kids to stay hydrated throughout the day by providing each one with her own personalized, easily portable water container (choose a non-toxic metal model rather than a plastic one).
Revamp and Refresh Your First Aid Kit - If you haven't peeked into your first aid kit since last summer, now is the time to do so. Replace any expired products, such as aspirin and antibiotic creams. Consider revamping the kit's contents by adding the following: bee sting remedies, homeopathic remedies to aid in calming injured kids who are stressed or scared (chamomilla is a good start), essential oils like lavender, eucalyptus, and citrus to repel mosquitoes and ticks without the kid-hazardous toxic chemicals in commercial products, and a small bottle of hand sanitizer for you or your child to use before applying any first aid. Make a few versions of the same kit: one to keep at home, one for your vehicle, and a smaller one for the backpack your kid takes on outdoor adventures-even just the ones he takes in the neighborhood.
Call or contact HBE Group, Inc. today for any of your insurance-related questions.
Home sweet home is an obvious place to give a good scrubbing once springtime in New York arrives. It's time to wipe the grime out of every nook and cranny, wash the carpets and curtains, and pack away the space heaters and down blankets.But what about your business? Have you considered giving it a spring-cleaning too?
Doing so can revitalize your business and put a new spring in the steps-no pun intended-of all your employees. Here are some tips:
For any of your insurance questions, Contact HBE Group, Inc. today.