Are you covered? Don’t be caught underinsured

By | age, agent, claim, coinsurance, construction, cost, deductible, demand, disaster, earthquake, equipment, expense, fire, Flood, home, homeowner, independent, Insurance, labor, loss, materials, older, personal, Personal Insurance, protect, rebuild, reconstruction, resources, risk, scarce, scarcity, site, umbrella, wind
house-underinsured

Does your homeowner policy have sufficient coverage limits to help you recover fully after a loss and avoid incurring serious financial burdens? It’s a question many people don’t ask, and if they have a claim, it can leave them with unexpected expenses.

The post Are you covered? Don’t be caught underinsured appeared first on The Cincinnati Insurance Companies blog.

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Lightning, power surge? EBC can protect your property

By | agent, air conditioning, breakdown, building, business, Business Insurance, computer, cover, coverage, device, devices, electrical, electricity, equipment, independent, Insurance, lightning, manufacturing, power, property, protect, refrigeration, surge
lightning-over-city

Most companies large and small depend on electrically powered equipment for some part of their business: air conditioning and refrigeration, computer systems and manufacturing equipment, for example. Lightning and the resulting power surge are a common threat. But you can protect your business by purchasing equipment breakdown coverage.

The post Lightning, power surge? EBC can protect your property appeared first on The Cincinnati Insurance Companies blog.

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Lightning, power surge? EBC can protect your property

By | agent, air conditioning, breakdown, building, business, Business Insurance, computer, cover, coverage, device, devices, electrical, electricity, equipment, independent, Insurance, lightning, manufacturing, power, property, protect, refrigeration, surge
lightning-over-city

Most companies large and small depend on electrically powered equipment for some part of their business: air conditioning and refrigeration, computer systems and manufacturing equipment, for example. Lightning and the resulting power surge are a common threat. But you can protect your business by purchasing equipment breakdown coverage.

The post Lightning, power surge? EBC can protect your property appeared first on The Cincinnati Insurance Companies blog.

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Hail guard: Protecting your business equipment

By | agent, air, business, coil, condenser, conditioning, control, cooling, customers, damage, equipment, guard, hail, hailstorm, heating, HVAC, independent, Insurance, loss, Loss Control, money, pellet, prevent, protect, roof, rooftop, time, unit, valuable, vent, ventilation
hail-guards-can-protect-equipment

Most areas of the country experience hailstorms that can cause significant damage to rooftop equipment, severely disrupting your business and costing you time, money or even customers. You can take a few steps to help keep your business running smoothly and avoid down time by protecting the equipment that keeps your customers and employees comfortable.

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Spring checklist: How did your home hold up?

By | agent, air conditioning, alarm, batteries, carbon, caulking, cooling, driveways, dryer, equipment, exterior, faucet, fixup, gutters, heating, home, independent, Insurance, lighting, maintenance, monoxide, outdoor, paint, Personal Insurance, pipes, play, prevent, protect, pump, railings, repair, replace, roof, safe, safety, service, sidewalks, siding, smoke, spring, sump, vent, windows
spring-home-fixups

As the calendar turns to spring, it’s time to assess how your property weathered the winter. This is a good time to make a “to-do” list to prevent property maintenance and liability issues.

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Protect workers: Prevent trench hazards

By | agent, construction, Contractor, control, deep, depth, engineer, equipment, excavate, excavation, forklift, independent, Insurance, lift, lifted, load, loader, loss, Occupational Safety and Health Administration, OSHA, prevent, protect, protection, protective, safe, safety, shielding, shoring, slope, sloping, trench
danger-sign-open-trench

According to fatality statistics from the Occupational Safety and Health Administration, trenching-related fatalities more than doubled between 2012 and 2016. Here are some basic tips that can protect construction workers who perform excavation and trenching activities.

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