Personal insurance: Trends in construction costs

By | age, agent, cost, design, energy-efficient, expense, home, independent, Insurance, labor, market, materials, modular, Personal Insurance, price, quality, rebuild, rebuilding, reconstruct, reconstruction, safety, spending, supplier, supply, techniques, unemployment, value, valued
construction-trend

Reconstruction cost – or replacement cost – is the cost of hiring a contractor to replace your home as it is, using materials and design of the same or similar quality. This amount is not the same as market value, which is the value of comparable homes that have sold in your area. Your home’s current reconstruction cost could be very different from its market value.

The post Personal insurance: Trends in construction costs appeared first on The Cincinnati Insurance Companies blog.

Read More

Preventing fires in the home

By | agent, alarm, bedroom, cooking, danger, dangerous, escape, evacuate, evacuation, family, FEMA, fire, Fire Prevention, home, independent, Insurance, kitchen, levels, loose, prevent, prevention, protect, route, smoke, U.S. Fire Administration
preventing-fires

A home fire is your most dangerous fire threat. This video from the U.S. Fire Administration has tips for preventing fires at home.

The post Preventing fires in the home appeared first on The Cincinnati Insurance Companies blog.

Read More

Know the basics of employment practices liability

By | agent, allegations, business, club, cover, coverage, directors, discrimination, disgruntled, duties, EEOC, employee, employment, fitness, Fitness & Recreation, gym, harassment, independent, Insurance, lawsuit, liability, managers, medical, practices, professional, protect, risk, sexual, sports, sue, suit, supervisors, termination, worker, wrongful
signs-insurance-risk-CGL

The August edition of ClubSolutions Magazine, a publication for health club operators, features an article by Jayson Scott, national program director for Cincinnati’s fitness, sports and recreation program. He discusses how even the most professional workplace has a liability risk from a disgruntled former employee.

The post Know the basics of employment practices liability appeared first on The Cincinnati Insurance Companies blog.

Read More

Know the basics of employment practices liability

By | agent, allegations, business, club, cover, coverage, directors, discrimination, disgruntled, duties, EEOC, employee, employment, fitness, Fitness & Recreation, gym, harassment, independent, Insurance, lawsuit, liability, managers, medical, practices, professional, protect, risk, sexual, sports, sue, suit, supervisors, termination, worker, wrongful
signs-insurance-risk-CGL

The August edition of ClubSolutions Magazine, a publication for health club operators, features an article by Jayson Scott, national program director for Cincinnati’s fitness, sports and recreation program. He discusses how even the most professional workplace has a liability risk from a disgruntled former employee.

The post Know the basics of employment practices liability appeared first on The Cincinnati Insurance Companies blog.

Read More

How to select a roofing contractor

By | agent, Bureau, busness, certificate, choose, clean-up, Consumer Tips, contract, Contractor, estimate, guarantee, independent, installer, Insurance, law, local, municipality, ordinance, payment, pick, proof, ratings, regulation, reputable, reputation, roof, roofer, roofing, safety, schedule, select, shingle, state, warranty, workmanship
roofing-contractor

Is your roof looking worn or damaged? Has a storm come through your area recently? If your roof is not in good shape, it’s a good idea to replace it quickly to prevent damage to your home.

Replacing your roof can be a large financial decision, so you’ll want to find a roofing company that will do the job quickly and efficiently. But how do you pick one?

The post How to select a roofing contractor appeared first on The Cincinnati Insurance Companies blog.

Read More

Don’t put it off: Assess your life insurance

By | affordable, agent, benefit, care, childcare, cost, cover, coverage, Education, expenses, family, financial, help, independent, Insurance, life, Life Insurance, LIMRA, loved, mortgage, need, payments, peak, policy, protect, salary, survivor, term, time, utilities, wages, whole, years
assess-life-insurance

Would you believe that 1 in 5 families with children under age 18 does not have life insurance? As shocking as that may be to many of us, a 2018 study by LIMRA, a leading insurance and financial services trade organization, also found that 3 in 10 families would be in immediate financial trouble if a primary wage earner died. And, nearly half of respondents would experience financial adversity in just six months.

The post Don’t put it off: Assess your life insurance appeared first on The Cincinnati Insurance Companies blog.

Read More

Don’t put it off: Assess your life insurance

By | affordable, agent, benefit, care, childcare, cost, cover, coverage, Education, expenses, family, financial, help, independent, Insurance, life, Life Insurance, LIMRA, loved, mortgage, need, payments, peak, policy, protect, salary, survivor, term, time, utilities, wages, whole, years
assess-life-insurance

Would you believe that 1 in 5 families with children under age 18 does not have life insurance? As shocking as that may be to many of us, a 2018 study by LIMRA, a leading insurance and financial services trade organization, also found that 3 in 10 families would be in immediate financial trouble if a primary wage earner died. And, nearly half of respondents would experience financial adversity in just six months.

The post Don’t put it off: Assess your life insurance appeared first on The Cincinnati Insurance Companies blog.

Read More

Not on the coast? Tropical storms may still threaten

By | agent, battery, claim, coast, coastal, construction, damage, debris, downspouts, emergency, Flood, generator, gutters, hurricane, hurricanes, independent, inland, Insurance, landfall, loss, phone, power, prepare, prevent, property, protect, rain, shutoff, storm, Storm Prep, storms, tropical, vehicles, warning, watch, wind, windows
tropical-storm

Coastal dwellers remain on alert during hurricane season, but inland residents can be caught off-guard after a hurricane or tropical storm makes landfall. While the storm may diminish in strength, the potential remains for severe damage from winds and heavy rain. When you know a storm is coming, take steps to minimize damage and speed recovery.

The post Not on the coast? Tropical storms may still threaten appeared first on The Cincinnati Insurance Companies blog.

Read More

Poison prevention: Safety tips for parents and caregivers

By | accidental, adult, agent, battery, cabinet, cap, carbon, child, children, coal, detergent, doctor, independent, Insurance, kerosene, lock, medicine, monoxide, paint, pediatrics, pharmacist, phone, poison, poisoning, prepare, prevent, prevention, protect, safety, Safety Tips, varnish, wood
poison-number

More than 2 million people – about half of them under age 6 – swallow or have contact with a poisonous substance each year, according to the American Academy of Pediatrics. Be prepared in case of an accidental poisoning.

The post Poison prevention: Safety tips for parents and caregivers appeared first on The Cincinnati Insurance Companies blog.

Read More

Poison prevention: Safety tips for parents and caregivers

By | accidental, adult, agent, battery, cabinet, cap, carbon, child, children, coal, detergent, doctor, independent, Insurance, lock, medicine, monoxide, number, paint, pediatrics, pharmacist, phone, poison, poisoning, prepare, prevent, prevention, protect, safety, Safety Tips, varnish, wood
poison-number

More than 2 million people – about half of them under age 6 – swallow or have contact with a poisonous substance each year, according to the American Academy of Pediatrics. Be prepared in case of an accidental poisoning.

The post Poison prevention: Safety tips for parents and caregivers appeared first on The Cincinnati Insurance Companies blog.

Read More