4 Tips You Need To Know When You Do Winter Vehicle Storage

Date: October 29, 2025 Author: Rinehart Insurance
Vehicle Storage

Vehicle StorageWhen winter comes and brings the snow and cold with it, it’s time to think about vehicle storage. You should store your recreational vehicle – or any vehicles that won’t be in use – to avoid damage from the harsh weather and roads and to ensure it’s in good working condition for spring.

Use these tips if you plan on vehicle storage this winter:

  1. Clean your car—Thoroughly cleaning your vehicle inside and out not only makes it look nicer, but also prevents dirt and acidic materials from eating away at your car and causing it to rust.
  2. Change the fluids—Having clean oil, fuel stabilizer and brake fluid, and a full tank of gas will help protect your car while it’s in storage and will help it run smoother when spring comes.
  3. Protect your car—The best way to prevent the winter elements from damaging your vehicle is to keep it covered, whether it’s in your garage, a local storage facility or at a family member’s home. If you plan on keeping your vehicle outdoors, consider using a weatherproof car cover.
  4. Check tires and brakes—Inflate your vehicle’s tires to their maximum air pressure, so they can slowly deflate as the temperature drops. Also, don’t engage your parking brake as it may become frozen. Instead, use chocks (wedges placed under car tires) to ensure your vehicle doesn’t roll away.

Start it Up

Even in storage, it’s wise to start your vehicle periodically for 10-15 minutes to get the proper oils and coolants running through it. If your vehicle has a cover on it, remove it and roll down the windows before running. If your vehicle is stored in the garage, ensure that the garage door is open and the windows are down for proper ventilation before starting your car.

Don’t forget to call you insurance agent to discuss your auto insurance coverage as well. 

4 Fall Driving Safety Tips Everyone Should Know

Date: October 1, 2025 Author: Rinehart Insurance
Fall Driving Safety

Fall Driving SafetyFall can be a particularly dangerous time to drive. Fortunately, by considering the following guidance, you may be able to limit your risk of accidents:

Watch for children.
With school back in session, you should be mindful of increased foot traffic, as well as the frequent presence of school buses.

Prioritize lighting.
As the days get shorter, you may find yourself driving in the dark more often. Be sure to turn on your headlights as soon as it starts to get dark.

Consider driving conditions.
Avoid driving at excessive speeds and take your time when changing lanes or making other maneuvers, as fog, frost and fallen leaves can all affect your visibility and traction.

Be mindful of animals.
Many animals may become more active during the fall, including deer. Take particular care to watch the sides of roads at dawn and twilight, as this is when many animals are most active.

Contact us today to learn more about automobile safety.

Common Open Enrollment Terms To Help You Navigate Your Benefits Options

Date: September 10, 2025 Author: Rinehart Insurance
open enrollment terms

open enrollment termsOpen enrollment is reserved for employees to make changes to their benefits elections. This yearly period allows you to change or renew your health care coverage  or the upcoming calendar year. Understanding your employee benefits can feel overwhelming, especially if the vocabulary surrounding benefits is unfamiliar to you. Learning the terminology can help you feel more confident when choosing or reviewing your coverage. Use these definitions of common open enrollment terms to help you navigate your benefits options.

Common Open Enrollment Terms

Coinsurance is the amount or percentage you pay for certain covered health care services under your health plan. This is typically the amount paid after a deductible is met, and it can vary based on the plan design.

Consumer Driven Health Care (CDHC) are health insurance programs and plans that are intended to give you more control over your health care expenses. Under CDHC plans, you can use health care services more effectively and have more control over your health care dollars. CDHC plans are designed to be more affordable because they offer reduced premium costs in exchange for higher deductibles. Health reimbursement arrangements (HRAs) and health savings accounts (HSAs) are
common examples of CDHC plans.

Copayment (copay) is a flat fee that you pay toward the cost of covered medical services.

Covered charges are health care expenses that are covered under your health plan.

Deductibles are a specific dollar amount you pay out of pocket before benefits are available through a health plan. Under some plans, the deductible is waived for  certain services.

Dependents are individuals who meet eligibility requirements under a health plan and are enrolled in the plan as a qualified dependent.

Flexible spending accounts (FSAs) are accounts that allow you to save tax-free dollars for qualified medical and/or dependent care expenses that are not  reimbursed. You determine how much you want to contribute to the FSA at the beginning of the plan year. Most funds must be used by the end of the year, as there is only a limited carryover amount.

Health Maintenance Organizations (HMOs) are types of health insurance plans that usually limit coverage to care from doctors who work for or contract within a specified network. Premiums are paid monthly, and a small copayment is due for each office visit and hospital stay. HMOs require you to select a primary care physician responsible for managing and coordinating all of your health care.

Health reimbursement arrangements (HRAs) are employer owned medical savings accounts in which the company deposits pre-tax dollars for each of its covered employees. Employees can then use this account to reimburse qualified health care expenses.

Health savings accounts (HSAs) are employee-owned medical savings accounts used to pay for eligible medical expenses. Funds contributed to the account are  pre-tax and do not have to be used within a specified time period. HSAs must be coupled with qualified high deductible health plans (HDHPs).

High deductible health plans (HDHPs) are qualified health plans that combine very low monthly premiums in exchange for higher deductibles and out-of-pocket  limits. These plans are often coupled with an HSA.

In-network is health care received from your primary care physician or a specialist within an outlined list of health care practitioners. Inpatient refers to a person who is treated as a registered patient in a hospital or other health care facility.

Medically necessary (or medical necessity) are services or supplies provided by a hospital, health care facility or physician that meet the following criteria: (1) are  appropriate for the symptoms and diagnosis and/or treatment of the condition, illness, disease or injury; (2) serve to provide diagnosis or direct care and/or treatment of the condition, illness, disease or injury; (3) are in accordance with standards of good medical practice; (4) are not primarily serving as convenience; and (5) are  considered the most appropriate care available.

Medicare is an insurance program administered by the federal government to provide health coverage to individuals aged 65 and older or who have specific  disabilities or illnesses.

Members are those enrolled in a health plan. This includes eligible employees, their dependents, Consolidated Omnibus Budget Reconciliation Act (COBRA) beneficiaries and surviving spouses.

Out-of-network is health care you receive without a physician referral or services received from a nonnetwork service provider. Out-of-network health care and plan  payments are subject to deductibles and copayments.

Out-of-pocket expenses are the amount that you must pay toward the cost of health care services. This includes deductibles, copayments and coinsurance. Out-of-pocket maximums (OOPMs) are the highest out-of-pocket amount paid for covered services during a benefit period.

Preferred Provider Organizations (PPOs) are health plans that offer both in-network and out-of-network benefits. Members must choose one of the in-network  providers or facilities to receive the highest level of benefits.

Premium is the amount you pay for a health plan in exchange for coverage. Health plans with higher deductibles typically have lower premiums.

Primary care physicians (PCPs) are doctors who are selected to coordinate treatment under your health plan. This generally includes family practice physicians,  general practitioners, internists and pediatricians.

This cheat sheet does not account for every term or definition you may see during open enrollment, but it provides an overview of some of the most common ones.
If you have questions, check with your employer for further resources.

Common Causes and Consequences of Underinsurance For Small Businesses

Date: August 13, 2025 Author: Rinehart Insurance
underinsurance

underinsuranceRobust insurance coverage is a cornerstone of effective risk management for small businesses. A single uninsured event—such as a fire, flood, cyberattack or critical equipment failure—can cause severe financial disruption, halt operations and, in some cases, threaten long-term viability. Yet, despite these risks, underinsurance remains a frequently overlooked vulnerability. Whether due to outdated valuations or cost-cutting decisions, carrying insufficient coverage can leave small businesses dangerously exposed when a claim arises.

Common Causes of Underinsurance

Several factors contribute to underinsurance in small businesses, including the following:

  • Outdated property valuations—Small business owners may overlook the need to regularly update the value of their buildings, equipment or inventory, resulting in coverage that no longer reflects current replacement costs.
  • Business growth without policy updates—Small business owners may add staff, locations or assets without adjusting their insurance coverage, leaving new exposures unprotected and increasing the risk of uncovered losses.  
  • Misunderstanding policy terms—Small business owners may misinterpret complex policy language, leading to incorrect assumptions about what is covered, when coverage applies and how limits or sublimits work.
  • Focusing solely on premiums—Small business owners may focus on minimizing insurance costs without considering the implications of reduced coverage limits, broader exclusions or how higher deductibles compromise coverage.
  • Neglecting emerging risks—Small business owners may fail to account for new threats such as cyberattacks, climate-related events or supply chain disruptions that may not be covered under standard policies.

The Consequences of Being Underinsured

The financial and operational consequences of underinsurance can be significant. Small businesses may face:

  • Partial or denied claims—Insurance may not fully cover the cost of losses if coverage limits are too low or exclusions apply, leaving the business responsible for the uncovered portion.
  • Prolonged downtime—Without adequate business interruption coverage, a business may struggle to meet ongoing expenses during recovery, increasing the risk of extended closures or permanent shutdown.
  • Legal and regulatory exposure—Insufficient liability coverage can leave businesses vulnerable to lawsuits, fines or penalties, particularly in highly regulated industries.
  • Reputational damage—Delays in service or failure to meet obligations due to uninsured losses can erode customer trust and harm long-term relationships.

Strategies to Avoid Underinsurance

To minimize the risk of underinsurance, small business owners should routinely reassess their insurance coverage, particularly after operational changes such as expansion, new hires or equipment upgrades. Obtaining professional appraisals of property and assets is also essential, especially during periods of inflation or supply chain volatility. Additionally, businesses should evaluate whether their existing policies account for emerging risks like cyberthreats, climate-related events or evolving liability exposures.

Work With a Knowledgeable Insurance Agent or Broker

Small business owners should carefully examine policy terms and understand any exclusions to reduce the risk of insurance shortfalls. Working with a knowledgeable broker or agent can help uncover overlooked insurance gaps and ensure coverage closely aligns with the business’s current operations, assets and evolving risk landscape. Contact us today to find out more.

10 Ways to Manage Stress During the Summer

Date: July 30, 2025 Author: Rinehart Insurance
manage stress

manage stressWhile summer often brings a welcome change of pace with warmer weather, longer days, vacation plans and more time outdoors, it can also introduce new stressors for many individuals. Whether balancing work responsibilities with family schedules, coping with the heat or dealing with travel logistics, summer can feel anything but relaxing.

The key is learning how to manage seasonal stress so it doesn’t manage you. This article provides practical tips for coping with stress during the summer.

Staying Cool Under Summer Pressure

Summer stress is real if you’re navigating vacation schedules, managing child care or just trying to stay productive in the heat. Here’s how to stay cool and manage stress effectively:

  1. Stay hydrated and cool. Dehydration and heat can increase fatigue and irritability. It’s important to keep a water bottle nearby and dress in breathable fabrics. When possible, avoid outdoor activities during peak heat hours, but plan accordingly if you have to be out in the sun for long periods of time.
  2. Set boundaries with your time. Summer calendars can fill up quickly. As such, be intentional about what you commit to and don’t hesitate to say no to events or obligations that feel overwhelming.
  3. Maintain a routine. A consistent schedule helps reduce stress, so stick to regular sleep, meals and work time. It’s equally important to remain flexible, so feel free to adapt your routine to include more outdoor or seasonal activities.
  4. Create a comfortable work environment. Whether you’re working on-site or remotely, make your space summer-friendly. If possible, use fans, adjust lighting and take advantage of natural light to help boost your mood and productivity.
  1. Take meaningful breaks. A short break can help you reset and refocus, but avoid defaulting to screen time during breaks. Instead, get some water, step outside, stretch or take a few deep breaths to reset your mind and body.
  2. Use vacation time wisely. It’s important not to let your paid time off go unused. Even a short break or a staycation can help you recharge. When you’re off, try to disconnect and allow yourself to relax.
  3. Plan ahead for family and travel logistics. If you’re managing kids on summer break or planning trips, get organized early. Clear communication with your team and family can help reduce last-minute confusion, tension and stress.
  4. Reconnect with nature. Spending time outdoors, even just for a few minutes each day, can help reduce stress and improve mental clarity. For example, consider walking meetings, lunch in the park or weekend hikes to recharge.
  5. Practice mindfulness or light exercise. Movement is medicine, so incorporate short mindfulness practices or light physical activity into your day. A 10-minute walk or a few minutes of deep breathing can significantly lower stress levels.
  6. Limit alcohol and caffeine. Summer socializing often includes more drinks, but too much caffeine or alcohol can disrupt your sleep cycle and increase anxiety. Stay mindful of your intake and balance alcoholic beverages with plenty of water. Alcohol and caffeine can also dehydrate your body, so focus on ways to consume more water (through foods or drinks) throughout the day.

Overall, it’s important to understand that some stress is OK and expected. Stress is a natural reaction that you may feel, but taking some small steps to manage or reduce it can help you keep your cool during the summer.

Summary

Summer doesn’t have to be a source of stress. You can stay productive, protect your well-being and enjoy the season with a few intentional adjustments. No matter if you’re working through the heat or taking time off, these strategies can help you stay balanced and energized.

If you have concerns about your mental health or overall well-being, it’s important to seek help from a trained health care provider.

Summer Festival and Fair Well-being Tips To Keep You Healthy

Date: July 16, 2025 Author: Rinehart Insurance
Summer Festivals and Fairs

Summer Festivals and FairsWith sunny days, seasonal breaks and time off, summer is a popular time for public outdoor events like festivals and fairs. Although they are fun, these events present unseen risks to your well-being.

This article provides an overview of summer festivals and fairs, discusses the hazards and risks at these events, and offers tips to stay healthy and safe.

Overview of Summer Festivals and Fairs

Festivals and fairs are celebrations of music, culture, food and community. Many are family-friendly, but millennials and Generation Z generally make up the majority of attendees. Common types of festivals and fairs include:

  • State fairs
  • County fairs
  • Music festivals
  • Renaissance fairs
  • Cultural festivals

More popular events, such as major music festivals, can have over 100,000 attendees, and some state fairs can attract over 1 million visitors. In addition to these major events, most cities have local fairs or smaller festivals. In general, the popularity of these events, coupled with warm summer weather, can introduce health and safety concerns.

Health and Safety Risks

The following are risks you may encounter at festivals and fairs:

  • Heat-related illness—The Centers for Disease Control and Prevention (CDC) reports that more than 700 people die from extreme heat every year in the United States. The outdoor settings of festivals and fairs can lead to several heat-related illnesses, including heat cramps, heat exhaustion and heatstroke, which require medical attention.
  • Sun exposure—In addition to the heat, the sun’s ultraviolet rays can damage unprotected skin in as little as 15 minutes, according to the CDC. While sunburn can be painful in the short term, sun damage can cause long-term health concerns.
  • Crowd safety hazards—Large crowds at festivals and fairs increase the risk of injuries. During an emergency, it may be difficult to navigate through a dense crowd. Additionally, in panic situations, trampling, falls and crushing can occur.
  • Dehydration— It’s easy to become dehydrated when you’re at an outdoor event for hours in the hot sun. This affects you not only physically but also mentally, potentially leading to confusion, agitation or anxiety. Symptoms of dehydration include headache, light-headedness, tiredness, thirstiness and dark-colored urine.
  • Food and drink safety risks— It’s important to eat nutritiously to help avoid energy crashes at festivals and fairs. However, the abundance of food and drink vendors may increase the risk of food poisoning or other foodborne illnesses if items are not handled or stored properly.
  • Personal safety concerns—Due to the high activity levels and large crowds, festivals and fairs can be hot spots for theft and other unwanted behavior.
  • Hearing damage—Prolonged exposure to high volumes, especially at events featuring music, may cause temporary or permanent hearing loss.

Well-being Tips for Summer Festivals and Fairs

Festivals and fairs are a great way to spend time with friends and family. Event organizers and health experts stress the importance of health and safety measures to ensure everyone can have fun and stay safe. Consider the following ways to maintain your well-being:

  • Plan ahead. Having a plan for potential emergencies and other needs can ensure your day of fun goes smoothly while minimizing safety hazards. Check the weather report to determine the best time to go and how to dress for the day. Familiarize yourself with the venue layout so you can easily locate exits, first-aid stations and water refill points. Sticking with your group of friends or family can further enhance safety. If you split up or get separated, have a plan for when and where to meet back up.
  • Check event policies. Festivals and fairs generally post informational flyers or have policies on their websites detailing what is allowed and prohibited at the event. For example, these policies may cover what types of bags you can bring, if you can bring a water bottle or hydration backpack, what kinds of sunscreen containers are allowed or if you can bring an umbrella. Policies often include a list of prohibited items that should be left at home due to safety concerns. This information can help you prepare for an eventful day while maintaining your well-being.
  • Stay cool and hydrate. To reduce the risk of heat-related illness as well as dehydration, wear light, breathable clothing and drink plenty of water throughout the day. Take frequent breaks from activity and sun exposure in the shade to rest and cool down, especially during periods of intense sun or activity. Check the venue’s policy on bringing your own water bottle so you can drink and refill conveniently. Electrolyte drinks may help you stay hydrated, especially if it is hot outside. However, health experts warn against overrelying on these drinks rather than focusing on drinking enough water.
  • Use sun protection. Wearing a hat and sunscreen can help protect against sun damage. Health experts recommend using sunscreen with an SPF of at least 30 and reapplying every two hours. Additionally, sunglasses can protect your eyes from the sun.
  • Protect your hearing. At loud events, you can use earplugs or noise-canceling headphones to reduce hearing damage. You can also consider taking breaks from noisy areas.
  • Prioritize your personal safety. To help prevent theft, secure your belongings in anti-theft bags and keep valuables close to you. Always be aware of your surroundings to avoid potential hazards, navigate crowds, and keep yourself and your belongings safe. Avoiding dense crowds can also reduce the chance of theft or getting injured. Consider packing a first-aid kit in case of minor injuries.
  • Eat and drink responsibly. Assess the food and drink vendors you choose. Evaluate whether they are clean (e.g., they should have an adequate inspection report, and workstations should be clean and tidy) and if they have appropriate food safety equipment (e.g., refrigerators, gloves, tongs). Alternatively, you can eat before arriving at the event or pack your own food if the venue permits it. Additionally, if consuming alcohol or caffeine, make sure to do so safely and balance these drinks with water; too much of either can exacerbate dehydration and heat illness.

Summary

Prioritizing your health and safety at festivals and fairs can help you minimize risks and maximize fun this summer. Contact your employer for more well-being resources.

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

Date: July 2, 2025 Author: Rinehart Insurance
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.

Important RV Insurance Coverage Information You Need To Know

Date: June 25, 2025 Author: Rinehart Insurance
RV Insurance Coverage

RV Insurance CoverageRecreational vehicles (RVs), including campers, motorhomes and fifth-wheel trailers, can face many of the same risks as everyday cars. However, their larger size, higher value and dual use for transportation and living require specialized insurance protection. Whether you live in your RV full-time or use it for occasional getaways, understanding and securing the right coverage is essential. At Rinehart, Walters & Danner, our team can help you learn about RV insurance coverage and find the right policy.

What Does RV Insurance Cover?

RV insurance typically combines elements of both auto and homeowners insurance, reflecting the hybrid nature of RV use. While coverage needs can vary depending on your vehicle, personal circumstances and location, you’ll likely find value in the following:

  • Bodily injury liability coverage—Similar to auto insurance, this type of coverage in your RV policy can help pay for other parties’ losses if you’re at fault for an accident on the road.
  • Property damage liability coverage—Also bearing a resemblance to its auto insurance counterpart, this part of your RV insurance may assist with vehicle repair or building rebuild costs if you damage someone else’s property in an accident.
  • Vacation/campsite liability coverage—This part of an RV insurance policy can extend liability coverage to include incidents occurring while your vehicle is parked, such as if a guest is injured while visiting your campground.
  • Collision coverage—If you’re involved in a crash while driving your RV, such as striking a tree, colliding with another vehicle or scraping against a guardrail, this part of your policy can financially assist with repairing your vehicle.
  • Comprehensive coverage—Fires, theft, vandalism and natural disasters can all represent significant threats for your vehicle, but this part of RV insurance can account for subsequent losses.
  • Personal property coverage—Your RV can house more than just you and your passengers. This coverage can assist with losses involving its contents, including appliances, electronics, camping gear and other belongings.
  • Medical payments coverage—This part of RV insurance can provide financial aid for medical bills if you or your passengers are injured in an accident, regardless of fault.
  • Loan assessment coverage—If you live in a campground or RV park, this part of your policy can help with losses and expenses if the managing association charges you for repairs to common areas.
  • Roadside assistance coverage—Exploring the world in your RV may require you to be equipped with this type of coverage, which can help pay for towing and other fees should your vehicle break down during a trip.

While shopping for RV insurance, you may encounter the term “full-time RV insurance.” This policy typically includes more of the aforementioned components, such as vacation/campsite liability coverage and loan assessment coverage, and is generally advisable if you use your vehicle as your primary residence.

Is RV Insurance Coverage Required?

In most states, self-driven RVs require you to have RV insurance. These laws typically mandate at least bodily injury and property damage liability coverages, although details may vary depending on where you live and plan to travel. Alternatively, if you tow your RV, such as a fifth-wheel trailer or pop-up camper, you might not have to follow the same legal requirements, since your towing vehicle’s auto insurance can cover potential third-party damages.

You should also be aware of other possible obligations. For example, if you’ve purchased your RV with the assistance of a lender, they’ll likely require you to carry certain levels of RV insurance until you’ve paid off your vehicle. Specifically, many lenders may require collision and comprehensive coverage. Additionally, some campsites and RV parks may require insurance before you can settle in.

How Much Does RV Insurance Coverage Cost?

Since there are many types of RVs and ways to use them, RV insurance rates can vary significantly. Carriers must carefully analyze your situation and personal details to assess risk levels and calculate appropriate pricing. While exact quoting processes may vary, you can generally expect the following criteria to be considered when shopping for RV insurance:

  • Location, including where you live, travel and store your RV
  • Vehicle specifications, such as its size, type, features, age and value
  • Your personal details, including age and driving record of all insureds
  • Use habits, such as whether you live in your RV full time and its estimated annual mileage
  • Claims history
  • Coverage levels, such as your deductible and what you include in your policy

How to Get the Right Policy

Your RV can unlock the world, allowing you, your family and your guests to embark on epic adventures and enjoy time off the grid. However, even a single accident or mishap can derail your travels, disable your vehicle and impose expensive financial ramifications. Acquiring and maintaining appropriate RV insurance may, therefore, not only be a legal requirement but also a critical investment. Contact Rinehart, Walters & Danner today to begin exploring your coverage options and building an optimal policy.

Grilling Safety Tips You Need To Remember This Summer

Date: June 18, 2025 Author: Rinehart Insurance
Grilling Safety

Summer is the perfect time to be outside enjoying the sun. Swimming in the pool, boating on the lake, even playing in the backyard are favorite ways to pass the time. Regardless of which activity you choose, a summer BBQ is a great addition to your day. Grilling safety is something to keep in mind to ensure your friends and family are safe while having a good time. 

A Few Grilling Safety Tips To RememberGrilling Safety

  • Do not let children and pets play near the grilling area when cooking until the grill is completely cool.
  • Place your grill at least 3 feet away from other objects. This includes your house, trees and outdoor seating. 
  • Use starter fluid for barbecue grills that use charcoal only. Do not use starter fluid for gas grills. 
  • Check the connection between the propane tank and the fuel line to make sure it is not leaking and is working properly before using a gas grill. 
  • If you suspect that your gas grill is leaking, turn off the gas and get the unit fixed before lighting. Never use a match to check for leaks. 
  • Do not bring your grill into an unventilated or enclosed space such as the garage or inside of your home. This is not only a major fire hazard; it is also a carbon monoxide hazard. 

Hot grills not only cause fires but can cause burns. Be cautious around the grill and make sure to keep an eye on children and pets. A few minutes of caution can ensure a summer full of fun with friends and family. 

Why Small Businesses Need an Annual Insurance Review

Date: June 4, 2025 Author: Rinehart Insurance

Annual insurance reviews are a critical practice for small businesses. They can help reduce insurance costs while ensuring coverage keeps pace with the company’s evolving needs. Skipping this review can result in coverage gaps, leaving new business services, equipment or locations underinsured—or worse, completely uninsured. When done with the help of an insurance professional, an annual review offers several benefits to small businesses. This article explores the benefits of annual reviews, highlights key areas to assess and provides tips for conducting a productive policy review.

The Importance of an Annual Insurance Review

Conducting an annual insurance review is a crucial strategy to keep a small business’s coverage aligned with its needs. Annual insurance reviews offer several benefits, including:

  • Improved coverage accuracy and regulatory compliance—Business operations and regulations constantly evolve. Businesses may purchase new equipment or vehicles, add services, hire employees or change locations. New laws may also affect coverage requirements for workers’ compensation, commercial auto or professional liability insurances. An annual review helps ensure your policies reflect these changes and remain compliant.
  • Cost efficiency and improved understanding—A thorough insurance review can prevent both over- and under-insurance, identify redundant or outdated coverages, and reduce overall costs. It also refreshes business owners’ knowledge of their policy terms, helping them make more informed decisions.
  • Confidence and risk readiness—Knowing that adequate coverage is in place can instill confidence in employers, clients and other stakeholders. This knowledge provides trust that the organization is prepared for the challenges it may face in the upcoming year and is ready to adapt to the emerging risks it encounters.

Areas to Assess in an Annual Review

Each business will differ, but when conducting an annual insurance review, key areas to analyze include:

  • Property and equipment values—These can fluctuate each year and may require adjusted coverage.
  • Revenue and income levels—Significant changes can impact business interruption or liability coverage needs.
  • Business interruption and liability limits—Reviewing these helps avoid being over- or underinsured.
  • Policy exclusions—Understand what’s not covered and explore options to fill potential gaps.
  • Employee count and payroll—These directly affect workers’ compensation coverage.
  • Vehicles and drivers—Ensure all are listed and adequately covered under commercial auto policies.
  • Cybersecurity and data protection—Review cyber coverage in light of evolving threats.
  • Contracts, leases, locations or business structure changes—These can introduce new liabilities or insurance obligations.
  • New or updated regulations—Stay compliant with changing legal insurance requirements.

Tips for a Productive Policy Review

The following tips can help ensure a successful insurance policy review:

  • Review existing coverage to understand what protections are currently in place.
  • Work with an insurance agent or broker who can assess your coverage needs, help you stay compliant with regulations and ensure policies are aligned with your business’s operations.
  • Keep detailed records of operational changes from the past year to help identify any new exposures or coverage needs.
  • Examine your claims history to spot trends or areas of concern, and take steps to mitigate ongoing risks while ensuring adequate coverage remains in place.
  • Ask about new products and available discounts that may offer broader protection or cost savings.

Conclusion

All small businesses can benefit from conducting an annual insurance review. These yearly checkups help ensure coverage keeps pace with evolving needs while identifying potential cost savings. Contact us today to learn how we can support your business.