You Need To Know These 4 School Bus Safety Tips

School Bus Safety

School Bus SafetySummer is almost over and our local schools are gearing up for the new school year. With school back in session, that also means school buses will be back on the road. Chances are you’ve gone over some school bus safety tips with your kids and what they need to know as riders. But have you reviewed the school bus safety tips you need to remember as a driver? Or gone over them with your new teen drivers? 

School Bus Safety

Being extra cautious around buses are critical. After all, they carrier the most precious cargo. In the next few weeks when you start seeing buses on the road, keep in mind these 4 school bus safety tips. 

  1. Be prepared to stop when you see the bus driver turn on the flashing red lights and raise the stop sign; a passenger is getting off.
  2. Never pass a stopped school bus that is unloading students.
  3. Remember that buses stop at railroad tracks so keep your distance as you approach them.
  4. Obey speed limits in school zones and give school buses the right-of-way

Start the new school year off on the right foot. While the increased traffic is a little of on inconvenience, everyone’s safety should be the #1 concern this year.

From your friends at Rinehart-Walters-Danner Insurance, have a great 2019-2020 school year! 

7 Small Business Insurance Policies You Need To Have

small business insurance

small business insuranceWith so many different types of insurance to choose from, it can be overwhelming to determine what type of small business insurance you need. We are here to help. Let us explain the types of insurance policies available and how they can help protect you, your employees and your business’s bottom line.

Commercial Property Insurance

In the case of a catastrophic event such as a fire, explosion, burst pipe, storm or theft, commercial property insurance can help. Commercial property insurance compensates you for losses or damage to your building, leased or owned equipment, and other property on the premises. In fact, commercial property insurance can cover items such as furniture, inventory, computers and anything that would be considered necessary for performing normal business operations.

Commercial property insurance is typically purchased as a stand-alone policy or as part of a comprehensive business owner’s policy that includes property and general liability coverage. Commercial property insurance is offered on either a replacement cost or actual cash value basis.

  • Replacement cost: Pays the cost to replace or repair the damaged property with materials of like kind and quality, without any deduction for depreciation.
  • Actual cash value: Pays the cost to repair or replace the damaged property, minus depreciation.

General Liability Insurance

General liability insurance policies typically cover an organization for claims involving bodily injuries and property damage resulting from its products, services or operations. What’s more, this form of insurance can help cover medical expenses and attorney fees resulting from bodily injury or property damage claims for which your organization may be legally responsible.

General liability insurance policies typically have four coverage elements:

Premises liability. Covers you in the event that a person who is not employed at your business becomes injured on your property. If someone sued your business because they tripped and fell on your property, liability insurance can help cover those expenses.

Products liability. Covers you if a product or service causes injury to someone’s body or inflicts damage on a consumer’s personal property. If you’re a tech company that broke a customer’s computer while performing a service on it, those damages could be covered.

A personal injury. Is when your business inflicts a physical, financial or mental injury to a third party. For instance, let’s say you take action in detaining someone who you had reason to believe was stealing from your store. If it turns out your accusations are false and the person decides to sue you, you’d be covered under your general liability policy.

Advertisement injuries. Are caused by alleged misinformation, copyright infringement or slander made by your company. For Example: If you were advertising a product that claimed it could help clear acne and it ended up making a consumer’s acne worse, That could be considered an advertisement injury.

Overall, a general liability policy is beneficial for covering any medical bills or legal costs that accrue if the injured third party decides to sue your business.

Employment Practices Liability

Employment practices liability insurance (EPLI) is a form of insurance that covers wrongful acts that occur during the employment process. The most frequent types of claims covered under an EPLI policy include:

  • claims of discrimination
  • wrongful termination
  • sexual harassment
  • retaliation.

These policies will reimburse your company against the costs of defending a lawsuit in court, and for judgments and settlements. EPLI covers legal costs, whether your company wins or loses the suit. However, these policies typically do not pay for punitive damages, or civil or criminal fines.

Workers’ Compensation

Workers’ compensation is important in the event that an employee suffers a work-related injury or illness. This type of insurance is required in most states. And it is used to cover medical bills or wage replacement for employees who experience a work-related injury.

For example, if a worker pulled a back muscle at work and was unable to perform their duties. Workers’ compensation would help in covering any physical therapy costs as well as compensating the employee for any lost wages.

Having worker’s compensation insurance can also protect your business from civil suits made by employees against your company related to their injuries.

Cyber Liability Insurance

If any part of your business is on an online platform, it is crucial to obtain cyber liability insurance. This type of coverage can protect your business from a cyber attack or interruption that can cause a loss in data, revenue and the trust between you and your customers. Cyber liability insurance is not only there to protect the internal information of your company, such as employees’ social security or financial information, but it also protects your customers’ personal and banking information.

Most cyber liability policies include both first- and third-party coverage:

  • First-party coverage is for the business itself— helping the business recover from any losses after a cyber attack.
  • Third-party coverage is to cover claims by people who have been injured because of your business being hacked.

Restoring compromised or lost data can be very costly. Cyber liability insurance is there to help cover financial losses to your business and the costs of claims made against your company by clients or other third parties who were affected.

Commercial Auto

Commercial auto insurance helps cover the costs of an auto accident if you or an employee is at fault. This coverage can help pay for damaged property and medical expenses.

Your business should consider a commercial auto policy if any of the following are true:

  • Your business owns, leases or rents vehicles such as cars, trucks or vans.
  • Your business has employees who drive their own vehicles to conduct business.
  • Your business has employees who operate leased, rented or owned company vehicles.

Professional Liability Insurance

Professional liability insurance, also known as errors and omissions (E&O) insurance, can protect your business against claims that a service you provided caused a client to suffer due to a mistake on your part or because you failed to perform a service.

Professional liability insurance can cover the cost of defending your business in a civil lawsuit for an alleged error or omission. What’s more, depending on your industry, professional liability insurance may be required by law.

While many types of businesses need professional liability insurance, you should especially consider this type of insurance if your business works directly with customers while providing services.

More Information

Contact Rinehart, Walters & Danner to help you analyze your small business insurance needs. We can hlep you decide on the right coverage for you and your growing business. You can also CLICK HERE to learn more about business insurance. 

Important Insurance Tips For Your College Student

Insurance tips for your college student

Insurance tips for your college student

High School is over and it’s time for the next big step, college. The new students schedule is done, books are purchased and the day is approaching fast for the big move. New furniture, décor and electronics are all packed and ready to go. Before your college student can begin their next adventure you have one last item to complete on your check list. Talking with your insurance agent. While that may seem like an odd item to have on your checklist, it is probably one of the most important. Your insurance agent will have important insurance tips for your college student. When your child leaves home and takes up a new residence at college, that can affect how their belongings are covered. Below are a few questions you may have when it comes to insurance and your college student.

Will my college student’s belongings be covered by my homeowners policy?

Does your child lives in a campus dorm? There is usually a small amount of coverage that would be extended from your homeowners policy. If your child has expensive items, or a lot of items, you may need to consider purchasing additional coverage. Does your child lives in off campus housing? Their belongings may not be covered at all.

Is renters insurance really necessary?

Yes. Chances are your child’s belongings will exceed the amount provided by your homeowners policy, if they are even covered at all. Renters insurance will cover the possessions in your child’s housing at a small cost. You can purchase renters insurance for as little as $15 per month. This will not only give you the extra coverage, but peace of mind that that expensive new laptop or TV will be protected in the event of fire, theft, or other disaster.

In addition to your college students belongings, the move to college can affect your auto coverage and health coverage.

Will your child move more than 100 miles away from home?

If this answer is yes and they do not keep a vehicle at school, your insurance premiums could decrease by as much as 30%. If they are taking a car with them, be sure to review your auto coverage with your agent. Make sure you have the appropriate coverage and your child understands how it works in the event of a claim.

Does my child need to purchase health insurance?

In the state of Ohio, many health insurance carriers are now required to coverage children up to age 26. This rule applies regardless of full time student status. Be sure to review your health coverage to verify the dependent age limit on your plan. Also, make sure your child has an ID card with them if they should need to see a Dr or get a Prescription. They should also understand how the coverage works and if there is any copay they will be responsible for if they should have to use the coverage.

Sending a child to college can be a scary yet exciting time for everyone. When you add your insurance agent to your list of people to talk to during this transition, it can help give you peace of mind for you and your child’s future insurance needs. Remember, your agent is a great source for insurance tips for your college student.

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Rinehart Insurance Will Golf For Kids’ Sake This Friday

Golf For Kids' Sake

It’s that time of year again. Summer is coming to an end, but not before we get a few more community events in. This year will mark the 21st Annual Golf for Kids’ Sake for Mid-Ohio Youth Mentoring. And we are proud to once again be attending this great event. 

The details

When: Friday July 26, 2019

Where: Oak Tree Golf Club

Time: Registration is at 8:00am, Shotgun start at 9:00am.

You can find more details on the below flyer or by visiting www.midohioyouthmentoring.com

Join us in supporting this great event and an amazing community program! 

Golf For Kids' Sake

Avoid Heat Illnesses This Summer With These 7 Important Tips

Heat Illnesses

Extreme summer temperatures are not only uncomfortable, they are also dangerous for your health. This is particularly true for older adults and children, who are more susceptible to illness. When it is hot outside, your body temperature can rise to dangerous levels. Normally, your body cools itself through sweating. However, in hot and humid weather, sweating is not enough and the result can heat illnesses.

Avoiding Heat Illnesses

Here are some tips for staying safe when you’re out in the heat:

  1. Wear loose, light-colored clothing so your skin gets air exposure.
  2. Shield your head and face from direct sunlight by wearing a hat and sunglasses.
  3. Avoid spending time outdoors during the middle of the day, when temperatures are highest and the sun is directly overhead.
  4. Take regular breaks in a shaded area if you’re involved in a strenuous activity.
  5. Drink water frequently, even if you aren’t thirsty. Experts recommend drinking at least 8 ounces every 20 to 30 minutes to stay hydrated. Stick to water, fruit juice and sport drinks while avoiding caffeinated or alcoholic beverages, which can dehydrate you.
  6. Monitor children and seniors carefully, since they can get dehydrated more easily.
  7. Call 911 if someone exhibits symptoms of heat stroke, such as flushed skin, rapid breathing, a throbbing headache or confusion.

Providing Treatment for Heat Illnesses

It is essential to treat heat illness as soon as possible. If you are feeling any of the above symptoms, inform a co-worker and ask for help. If you suspect that a fellow worker has any of these conditions, follow the first-aid suggestions below:

  • Heat Cramps – Move the victim to a cooler area and provide them with water or other cool, nonalcoholic beverages. Follow up with a medical examination.
  • Heat Exhaustion – Move the victim to a cooler area and keep them lying down with their legs slightly elevated. Cool their body by fanning and applying cool, wet towels. Have them drink approximately six ounces of water every 15 minutes. Follow up with a medical examination.
  • Heat Stroke – You or a bystander should immediately call an ambulance. Meanwhile, move the victim to a cooler area, remove their outer clothing, immerse them in cool water or apply cool, wet towels or cloths to the body. If the person is awake and able to swallow, give them small amounts of cool water to drink. If medical help is delayed, call the hospital for further instructions while waiting. Heat stroke is life-threatening, so it’s important to move quickly!

Stay Safe

The risk of heat illness increases with age, poor diet, being overweight, insufficient liquid intake, poor physical condition and/or when taking medication. Never take salt tablets without your doctor’s approval. Be aware of weather conditions when you will be working outside so that you can be prepared with appropriate clothing and beverages. If you are working outside and start to feel any adverse symptoms,  let someone know and take a break.

Click here to read more Heat Illness Safety Tips from the CDC

9 Insurance Risks For Roofing Contractors To Be Aware Of

Roofing Contractors

Roofing ContractorsRoofing can be a competitive and rewarding field, and years of hard work can help contractors establish a strong customer base and reputation. Roofing contractors invest their expertise, time and energy to build or repair roofs that will stand the test of time. However, owning a roofing contractor business can be physically and mentally demanding. And it’s a constant challenge to deliver exceptional service while maintaining profitability.

These challenges are magnified when you consider that risks related to property damage, equipment breakdowns, environmental factors, inland marine and crime must also be addressed. The list below provides an overview of these risks and more. This can help you identify potential blind spots in your risk management and insurance programs.

Property Exposures

While most incidents that occur on a customer’s property would be covered under a general liability policy, property exposures are still present at the contractor’s office and workshop. Exposures can come from malfunctioning electrical equipment, flammable materials, weather and natural disasters. Fire damage may be a particular concern if the contractor stores roofing materials or heats bitumen on the premises.

Bodily Injury Exposures

No matter how careful your employees are, accidents can and do happen. These accidents create a significant bodily injury exposure. Slips, trips and falls are common hazards in roofing operations. What’s more, because roofers work at heights with tools, people below are at risk of injury from falling objects. In the event of a bodily injury to an employee, client or third party, a roofing contractor could be forced to pay for medical costs, emergency care, doctor’s visits and legal expenses.

Automobile Exposures

The vast majority of roofing contractors depend on employees to operate vehicles for the company, creating automobile exposures in the process. While important for daily operations (e.g., driving from job site to job site or transporting tools), the use of a vehicle can lead to potential accidents and major insurance claims. And, if you allow employees to use their own vehicles for work, standard commercial auto policies are often not enough.

Completed Operations Exposures

Once a job has been completed, roofing contractors can be held liable if their work product causes bodily injury or property damage. While claims of smaller problems can often be resolved with a repair, larger issues may result in legal action. Completed operations coverage can help protect a contractor in the event of such a claim. 

Equipment Breakdown Exposures

Roofing contractors depend on a variety of different equipment to complete work on a roof. Potentially creating significant equipment breakdown exposures as a result. Moreover, roofing contractors can experience business interruptions or even lose contracts as a result of an equipment breakdown.

Inland Marine Exposures

Roofing contractors regularly transport equipment, tools and supplies to and from worksites. As such, any property that’s unique or valuable in transit, in your temporary care, stored at fixed (but movable) locations or used to transfer information represents inland marine exposures. Materials and tools can be damaged in transit from shifting loads or traffic collisions; at the worksite from collision, being dropped or poor weather conditions; or lost from theft, potentially creating costly losses.

Environmental Liabilities

The disposal of old roofing materials, waste bitumen and other hazardous materials presents potential environmental liabilities, as these materials can create pollution. Environmental incidents are particularly concerning because they can cause harm to the surrounding community, involve costly cleanup and often cause damage to a business’s reputation.

Business Interruption

Continuity is critical for any business. And there are few things more important than continuous revenue and a steady cash flow. A single business interruption can be costly for roofing contractors and may even lead to serious reputation damage or long-term closures. Common interruptions for roofing contractors stem from natural disasters, fires, equipment breakdown and loss of materials.

Crime Exposures

Roofing contractors face several crime exposures. Particularly if valuable equipment or tools are left unattended at the worksite, which may attract thieves or vandals. Thieves (including your employees) can rob an office or worksite at any time, targeting cash or valuable supplies. What’s more, with worksite locations changing on a regular basis, the level of risk a roofing contractor faces is in constant flux.

Workers’ Compensation

Any time an employee is injured on the job, your organization could be subjected to expensive workers’ compensation claims. Common sources of on-the-job accidents for roofing contractors include:

  • falls from heights (e.g., roofs and scaffolds)
  • heat stress
  • injuries related to equipment use
  • slips, trips, falls
  • musculoskeletal injuries caused by repetitive tasks.

Normal, everyday tasks related to laying shingles or climbing ladders can lead to accidents and, in turn, increased costs for your business.

For More Information

While the proper risk management practices can reduce certain exposures, no system is 100% effective in ensuring an incident-free workplace. As a result, it’s all the more crucial to work with a qualified insurance broker to not only assess you exposures, but secure the appropriate coverage as well. To learn more, contact Rinehart, Walters & Danner today.

Click Here to learn more about business insurance. 

Firework Safety Tips You Need To Know This 4th of July

Firework Safety

Firework SafetyFireworks are a staple of many Fourth of July and other celebrations, but remember to take precautions to ensure your special event is safe and accident-free. Firework safety is crucial to ensure you and you family have a great 4th of July holiday.  

The Risks

Unfortunately, many people do not realize just how dangerous fireworks and sparklers can be—which is a primary reason that injuries occur. Fireworks can not only injure the users, but can also affect bystanders.

Bottle rockets and firecrackers can fly in any direction and may explode on or near someone instead of up in the air. Sparklers are also a huge risk, as they burn at very high temperatures and are often given to children too young to use them safely. All fireworks pose potential risks of burn, blindness and other injury.

Firework Safety Tips for Safe Use

When using fireworks, always plan carefully in advance for who will shoot them and what safety precautions you will have in place. Here are some suggestions to ensure safety and avoid accidents:

  • Use fireworks and sparklers outdoors only.
  • Always have a hose or water bucket handy.
  • Only use fireworks as intended. Do not alter or combine them, and do not use homemade fireworks.
  • Keep spectators a safe distance away.
  • Never give sparklers to young children.
  • Wear safety goggles when handling or shooting off fireworks.
  • Do not shoot fireworks off if under the influence of alcohol.
  • Show children how to properly hold sparklers, how to stay far enough away from other children and what not to do (throw, run or fight with sparkler in hand)—but supervise closely, regardless.
  • Point fireworks away from people, homes, trees, etc.
  • Never try to relight a dud (a firework that didn’t properly ignite).
  • Soak all firework debris in water before throwing it away.
  • Do not carry fireworks in your pocket or shoot them from metal or glass containers.

Protection for Your Pets

Like thunderstorms or the vacuum cleaner, fireworks may frighten your family pets. To protect your pets from becoming stressed as a result of loud noises from fireworks:

  • Keep pets indoors away from loud noises in a place that is comfortable to them.
  • Allow pets to go to the bathroom before beginning your fireworks show to prevent accidents.

 

 

How To Set The Mirrors On Your Car

How to set the mirrors on your car

Mirrors are on your car to prevent blind spots. Knowing how to set outside mirrors to eliminate blind spots is a crucial part of being a defensive driver. While almost all vehicles come equipped with two outside mirrors, many drivers do not set the properly, making it almost like the vehicle has no mirrors at all. We have a few pointers on how to set the mirrors on your car.

Mirrors - Rinehart InsurancePosition Your Mirrors

The following procedures for correctly positioning mirrors will help you eliminate blind spots and avoid potential vehicle accidents.

To start, park your vehicle and place your head against the driver’s side window. Set the mirror so you can just see the side of the car. For the passenger’s side mirror, position your head at the middle of your vehicle. Again, set the mirror so you can just see the side of the car.

Checking Your Blind Spot

This method should ensure that the mirrors are positioned outward enough to eliminate blind spots, but you should also double-check to be 100% sure. To do this, sit in a normal driving position and watch the mirrors as a vehicle passes by. It should appear in the outside mirror before it leaves the inside mirror. And it should appear in your peripheral vision before leaving the outside mirror.

In addition to using your mirrors, you should also physically turn your head over the appropriate shoulder to double-check your blind spot prior to changing lanes. We do more than help you avoid claims and arrive at your destination safely. 

Click here to learn about auto insurance.

 

What You Need To Know To Keep Water Out Of Your Home

keep water out

keep water outRain, Rain, will you ever go away? Ohio seems to be stuck in a rainy season so far this summer. In addition to not going swimming or having outside cookouts and ball games, we have to deal with lots and lots of water. Road closures, washed out ditches and the dreaded wet basement. What can you do to keep water out of your home? 

Did you know? The primary reason your basement and home flood during a rainstorm is due to poor or blocked drainage. To keep water out and from seeping into places it’s not wanted, we have a few precautionary measure to share. 

Flooding Due To Surface Water

To protect your home and it’s belongings from flooding due to surface water, use these simple precautions. 

  • Make sure that the ground area within 10 feet of your home slopes away from your home’s foundation.
  • Extend downspouts at least 10 feet from your home.
  • Direct water flow from downspouts away from your home, being careful not to discharge the water too close to adjacent property.
  • Preventive landscaping can also help reduce the chance of a mudslide or flooding.
  • Clean the gutters and the drainage downspouts attached to your roof at least twice a year.
  • Have your roof carefully inspected at least once a year by a capable person to check the roof thoroughly.
  • If your house or commercial lot is at risk of flooding from a higher neighboring property, consider building a solid wall masonry fence on the water-vulnerable boundaries of your property.
  • Be vigilant for warning signs of an impending water flood problem.

Plan Ahead

As for any emergency or disaster, planning ahead is key. In the event that you end up with water in your home you should be familiar with how to shut off electricity, gas and water at the main switches and valves. Knowing this ahead of time will help you react quickly and minimize potential damage. Also understanding your insurance policy is key. Knowing what is and is not covered ahead of time will help eliminate any stress and unexpected financial burden. Are  you covered if you have sewer back up? If your basement floods? If your property is flooded and enters your house? Contact your agent today to review your policy and get the answers to those questions. 

Click here to read a past post regarding Flood Insurance

 

Father’s Day Is The Day To Celebrate Dad

Father's Day

Father's DayDad’s get a bad rep of not being sentimental and showing their feelings. However, that doesn’t mean they don’t care. Father’s Day is a day to celebrate dad and show him how much he means to you. He taught you how to ride a bike, built your swing set, and made you feel safe when you were scared. Dad is always there and we often don’t show him how much we appreciate him. Sunday June 17, 2018 is Father’s Day. What a perfect time to celebrate dad! 

How to Celebrate

Every family celebrate’s dad differently. Many families choose to celebrate with cookouts or dinner, outdoor activities, and maybe gifts. Most dad’s simply want to spend time with their loved ones. It’s not about the gifts but about the memories made and love they receive. 

Want to learn more about Father’s Day history? Click here