Social Media for Insurance Agencies

February 10 is National Umbrella Day. It’s also a terrific time to consider a personal umbrella insurance policy to help cover liabilities that exceed your homeowners or auto policy limits.

It’s a good idea to periodically review your beneficiary designations on your insurance policies, including any contingent beneficiaries you may have named. Missing or out-of-date information can lead to complications during an already difficult time.

Thanksgiving is a peak day for house fires. With all the celebrating and distractions, the kitchen can become a dangerous place. Keep children out, never leave the stove unattended, and be sure sleeves and long hair are secured away from flames.

Candles, holiday lights, and Christmas trees all help create the beauty of the season, but they can also contribute to house fires. Never leave candles unattended, check lights annually for frayed wires, and prevent your tree from drying out.

Tapping into the knowledge of an independent insurance agent can help you find the right coverage for your needs.

It’s fun to post your travel plans and photos on social media, but be careful. Letting people know your home is unattended for an extended period could invite a break in.

Do you know if your vehicle has been recalled and needs repairs? You can find out for yourself at NHTSA.gov/Recalls

Check behind your car before you get in to make sure there are no children, animals, or objects. Backup cameras and mirrors can still leave blindspots, and it’s all too easy to backover someone or something.

Leaves and other debris can accumulate in your gutters, leading to water damage to your roof. Be sure to periodically clean your gutters to keep them flowing smoothly.

If you’re held liable for personal injury or damage you cause, your entire life savings are at risk if you don’t have enough liability insurance. Protect your assets with an umbrella policy.

Like auto insurance, motorcycle insurance standards are set by each state. However, minimum coverage may not be enough. Make sure you’re adequately protected.

Having a personal watercraft can be quite fun for the whole family. But that all comes to an end in the event of an accident with someone who is uninsured or underinsured. Make sure you have the coverage you need.

Did you know that you may be eligible for discounts if you buy more than one insurance policy from the same company? Talk with your agent to see if you can bundle policies and pay less!

Understanding who is responsible for fallen tree damage can be complicated. If you have trees around your home, even if they’re not on your property, it’s important to understand how your insurance works. Your agent can help you understand!

When using your fireplace, be sure to keep glass doors open to prevent creosote buildup. If you have a mesh curtain, keep that closed to prevent embers from leaving the hearth.

If someone is hurt on your property and you’re held responsible, your assets are at stake. Make sure you have a sufficient limit on your homeowners insurance policy and consider an umbrella policy if you need more protection.

Electrical fires can severely damage your home. Prevent them by checking cords regularly for looseness, fraying or breakage, avoiding extension cords, and never forcing plugs into an outlet.

Renters insurance is significantly less expensive than homeowners insurance, yet less than half of all renters say they have it. If a tenant’s property is damaged in a fire or other disaster, the landlord’s insurance won’t cover replacement costs.

Almost every state has minimum auto insurance requirements. It’s important to purchase at least the amount required by law, but often this isn’t enough. Your insurance agent can help you determine the amount of coverage you need.

Is your child headed off to live at college? Your insurance needs may change so be sure to consult your agent.

Everyone should practice driving safety year round, but as schools reopen, it’s a great time for a reminder to watch out for children!

It’s easy to put off getting the coverage you need, especially when you feel unsure of how life insurance works and what policy is right for you. Call your agent today to discuss your options.

Up to 13% of motorists in the U.S. are uninsured. If an uninsured driver causes property damage or bodily injury to you, you’ll end up paying for it. Uninsured and underinsured motorist coverage can help.

Sometimes bundling your auto and home insurance can save you money. However, that’s not always the case. Be sure to do your homework when it comes to price comparisons.

Insure your home for what it would cost to rebuild or replace, not the market value. Whether the market in your area is high or low, you’ll still have the coverage you need.

Having a BBQ is a favorite summer treat, but each year thousands of Americans get injured while grilling outdoors. Be sure to use caution and never leave a grill unattended!

Could you list every item in your home as well as the value? Making a home inventory before disaster strikes can help you replace damaged belongings.

Opting for the least expensive insurance premium may leave you under-insured. Of course, you don’t want to be over-insured, either. An insurance advisor can help you sort it all out.

The Social Security Administration estimates that 25% of 20 year olds will become disabled before they turn 67. Buying LTD when you’re young and healthy keeps the premium down and ensures you’ll have it when you need it.

What happens if you total your car, but it’s worth less than you owe on it? Gap insurance can cover that difference.

Eating while driving is extremely dangerous and is often to blame for car crashes.

You are three times more likely to be in a car crash if you are fatigued.

Identity theft can be devastating. Consider purchasing identity theft protection services.

It’s important to look over your car periodically. Check your fluids, the treads on your tires, and your wiper blades!

Did you resolve to buy life insurance this year but you’re still putting it off? Understanding more about it can help. Consult an insurance agent to learn what type of policy might be right for you.

Keeping your distance from other drivers on the road is an important safety practice.

Even one inch of water can cause tens of thousands of dollars in damage to your home. Consider flood insurance.

You may think your business is too small to need insurance, but losses can happen at any size. Business insurance offers valuable protection.

If your business is sued for discrimination, Employment Practices Liability Insurance (EPLI) can help cover the cost of legal defense or awarded damages.

Do your clients rely on your advice and expertise? If so, consider professional liability insurance. This coverage can offer protection if a client accuses you of negligence or mistakes.

A cyber breach will likely cost you more than double the expenses associated with a physical burglary. Are you protected? Cyber insurance can help.

How well do you understand the insurance needs of your business? If it’s been a while since you’ve reviewed your business insurance, we can help make sure you’re right on track!

Is your business prepared for supply chain disruptions? Various events, including severe weather, could lead to interruptions.

Manage commercial auto costs by keeping accidents down. Have clear guidelines around situations like speeding and distracted driving, and be sure to enforce them consistently, no matter who violates them.

If your business faces a data breach or cyber attack, a cyber incident response plan could help mitigate the damage. Knowing the steps to take in a crisis is vital.

What happens if an item you sell causes harm to someone? Product liability insurance can help you pay for defense against accusations as well as damages awarded.

Your standard property insurance likely does not provide coverage in the event of an earthquake. If you’re in an area at risk for earthquakes, consider getting a commercial earthquake insurance policy to protect your business.

Many standard business policies do not provide coverage for damages caused by hurricanes. If you’re in a hurricane-prone area, you may want to consider getting separate commercial hurricane insurance to protect your business.

If your employees use their own cars for work purposes, their personal auto insurance may not offer the protection they need. Consider hired and non-owned auto insurance to protect your employees and your business.

Reduce the number and severity of workplace injuries and, in turn, potentially reduce your workers’ compensation premiums by creating a culture of safety in your organization.

Insurance is helpful when unfortunate circumstances arise, but implementing a comprehensive risk management strategy can help reduce the likelihood of losses.

As much as you try to avoid them, mistakes can still happen. Protect your business with errors and omissions (E&O) insurance which can cover legal defense and judgements against you.

If your commercial building is vacant, even partially, you may be exposed to risks your property insurance won’t cover. Vacant property insurance may help.

Getting business insurance can seem overwhelming. We’ll review your business and make sure you have the right coverage at the right price!

A business owners policy (BOP) combines business property and business liability insurance into one policy.

Even if your business is small or just starting out, neglecting to buy insurance for it puts everything you’ve built at risk.

If an owner, executive, or other essential employee dies, a key person life insurance policy can protect against financial losses.

If your business sells a product, you could be held liable for injuries caused by a malfunction or defective design. Proper insurance coverage can help protect you from losses.

If your business owns vehicles or your employees drive their own cars for company business, you need the right protection! Talk to your agent about commercial auto insurance.

Did you know that commercial property insurance not only protects the property your business owns or leases, but also what’s inside including inventory, equipment, fixtures, and furniture?

In an emergency, do you know how to reach all of your vendors, suppliers, insurance carriers, and employees? Periodically check your contact lists to be sure you can reach everyone you may need during a time of crisis.

If your computer system is hacked and there’s a data breach, costs add up quickly! Cyber liability coverage can help pay for expenses related to restoring damaged equipment, legal fees, and notification requirements.

What would you do if you couldn’t access your building due to a fire or natural disaster? Business interruption insurance can help cover operating expenses, temporary relocation, and even income you would have received if the business were open.

If your restaurant, brewery, or winery serves alcohol, liquor liability is a must. It covers defense costs and damages to person and property caused by intoxicated patrons.

Directors and officers of an organization are responsible for many big decisions. If they make the wrong ones and get sued as a result, the damages can be costly. Directors and officers liability coverage (D&O) can help.

Every 39 seconds. That’s how often hackers attack. October is Cyber Security month, so now is a great time to make sure your business is protected.

A commercial umbrella policy provides higher limits – typically between $2M and $10M – and provides coverage above the limits of your standard policies.

Thefts and burglaries can cause great harm to small businesses. How secure is your location?

Do your employees work remotely? They may get more done if they do.

Workers’ compensation insurance is mandatory in every state, but the laws in each state can vary. Have you protected your staff properly?

A business owner’s policy (BOP) combines general liability insurance with business property insurance into one policy. For many small businesses, this is an important policy to have.

Fatigue is a surefire way to kill your productivity. Getting a good night’s sleep will leave you rested and ready to take on the new day!

May is Mental Health Awareness Month. Make mental health a priority in your organization by giving employees access to resources that can offer assistance when needed.

Employers are increasingly offering financial wellness programs to their employees. Consider programs that include digital tools, coaching, financial planning, and educational resources that can help employees at various stages of life.

Create a diverse portfolio of employee benefits to represent a diverse workforce. Needs will vary based on an individual’s employment status, generation, gender, ethnicity, race, parental status, or community, just to name a few.

Working parents are a very important part of the workforce. Now more than ever, employees want and seek out companies that offer benefits that can help them balance the changing needs of their family while maintaining their role in the company.

Employee burnout can hurt your employees and your business. Explore programs to help employees manage stress, learn the signs of burnout, and implement programs to address situations before the problem grows.

Do you offer perks to employees to boost morale and inspire camaraderie? If part of your workforce is remote, be sure to include them or offer similar perks so they don’t feel left out.

Flexibility and mental health will become the focus for many businesses in a post-pandemic world. Let us help you explore employee benefits that will support the needs of your workforce.

When was the last time you reviewed your employee handbook? Evaluating the handbook annually can spot changes, inconsistencies, and discrepancies between what’s written and what’s practiced before it becomes a problem.

Flexible spending accounts (FSAs) can offer savings to both you and your employees. Consider adding one to your suite of employee benefits.

May is Melanoma and Skin Cancer Awareness Month. Encourage employees to get routine screenings for early detection.

May is Global Employee Health and Fitness Month. Consider sharing desk exercises, encouraging walks at lunch, and offering other health and fitness related activities throughout the month.

June 1-7 is National CPR and AED Awareness Week. When every second counts, having staff who are CPR and AED trained can make all the difference. Consider offering training to your employees.

April is Stress Awareness Month. Stress can reduce productivity dramatically. Offer an Employee Assistance Program (EAP) to help employees weather life’s storms.

February is National Children’s Dental Health Month. Help employees take care of their children’s dental needs by offering dental insurance.

Telemedicine services allow individuals to seek medical treatment from home or anywhere else that works for them. This can help stop the further spread of illness and reduce time away from work for routine health checks.

Voluntary accident insurance is a cost-effective way to supplement your major medical plan while offering peace of mind to your employees.

Stress can leave your employees unfocused, unproductive, or even ill. An Employee Assistance Program (EAP) can help employees and their families deal with some of life’s challenges.

If your business isn’t subject to COBRA, you may still have continuation requirements under the law. Visit your state’s insurance department to learn about your obligations.

Offering group voluntary benefits is a great way to offer more insurance options to your staff at no cost to you!

Help employees save for retirement by offering them a 401(k) plan.

According to MetLife, 50% of employees say health and wellness benefits are an important factor in loyalty to their employer.

Overwhelmed by benefits? We can review your current offerings or help you get started.

Employees expect a 401(k) plan. Show them you care about their ability to save for retirement by offering one.

Some employers are offering benefits to assist employees with student loans. Are you considering this?

Eye exams can help detect glaucoma, diabetes, high blood pressure, and arthritis. And because many eye diseases are asymptomatic in the early stages, an exam can help detect a problem before it’s too late.

Employees and employers agree that workplace culture is vitally important. It’s not just about snacks and team outings—it’s about showing employees you care.

February is National Heart Month. Encourage employees to take care of themselves by eating a healthy diet, exercising, and visiting the doctor regularly for exams.

Dental health can be a strong indicator of overall health. Offer your employees dental insurance and encourage them to get regular exams.

May the year ahead be the best year yet. Happy New Year!

“I have a dream that one day this nation will rise up and live out the true meaning of its creed: ‘We hold these truths to be self-evident: that all men are created equal.’”

Wishing you great happiness and prosperity!

“We must never forget that Black history is American history. The achievements of African Americans have contributed to our nation’s greatness.” – Yvette Clark

Will he see his shadow or is spring on the way?

Finish the poem: Roses are red, violet are blue…

“Believe you can and you’re halfway there.” – Theodore Roosevelt

Laissez les bon temps rouler! Let the good times roll!

March is National Nutrition Month. Focusing on eating well is an excellent way to take care of yourself!

It’s time to spring forward! Set your clock ahead 1 hour!

Celebrate the achievements of women today and everyday!

May the road rise up to meet you!

Wishing you a peaceful and joyous Easter!

Pranksters are everywhere today, so keep your guard up!

April is World Autism Month. Take some time to increase your understanding and acceptance of those in the autism community.

May the spirit of Ramadan bless you with prosperity and happiness!

Do you rely on volunteers to help you accomplish your mission? The third week in April is the time to show them how much you appreciate them!

Administrative professionals keep businesses running. Celebrate them today and every day!

April 22nd is Earth Day. What can you do to take care of our planet today and every day?

Remembering those who gave their lives in service to this country.

Did you know that no other month begins on the same day of the week as May does in any given year?

May is Asian American and Pacific Islander Heritage Month. Recognize and celebrate the influence and contributions of AAPI Americans!

It’s fiesta time! Happy Cinco de Mayo!

Wishing you an Eid al-Fitr filled with love and light.

Wishing all the moms and those who have assumed the role of the mother a very happy Mother’s Day!

June is Pride Month. We support, celebrate, and honor those in the LGBTQ+ community.

“The red and white and starry blue is freedom’s shield and hope.” – John Philip Souza

Happy Father’s Day to all the dads and father figures out there. Enjoy your day!

Summer is officially here! Enjoy the longest day of the year!

Happy Independence Day!

July is National Anti-Boredom Month. What are your creative ways to stay busy and have fun? Share your favorite summer activities in the comments below!

I scream, you scream, we all scream for ice cream! What’s your favorite flavor?

Happy Labor Day!

September is National Suicide Prevention Month. Learn about prevention at nami.org. If you or someone you love is struggling, call the National Suicide Prevention Hotline. There’s no shame in asking for help.

May you have an easy fast and a blessed Yom Kippur.

Get ready for falling leaves, sweater weather, and all things pumpkin spice!

Don’t forget to set your clock back one hour Saturday night! It’s also a great time to replace the batteries in your smoke detectors.

We honor and celebrate the heritage of indigenous people.

Ciao! Let’s celebrate Italian heritage!

Watch out for ghosts and goblins!

Freedom is never free. Thank you, veterans.

Wishing you and yours a joyous and prosperous Diwali!

Happy Thanksgiving!

Chag sameach!

Welcome winter!

Merry Christmas!

Happy holidays!

Light, peace, and happiness to you at Kwanzaa and always!

The Tuesday after Thanksgiving is National Day of Giving, also called Giving Tuesday. Consider donating to a cause close to your heart that could use your support!

It’s Employee Appreciation Week! Be sure to say thanks to those who help to keep your business running!