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3 weeks ago · by · 0 comments

Tips for Creating a Home Emergency Plan

There may be nothing more sacred than the safety and security of your home and family so, of course, you would go to any lengths to protect them. You can install systems to safeguard against events like home intrusion and fire but there is no way to prevent that unthinkable disaster. However, you can guarantee that you and your family will be prepared by creating a home emergency plan. This type of plan should be designed for all emergency situations so here are some tips to ensure that your plan is complete.

Review Your Insurance

Any property loss can be devastating but you will suffer less anxiety if you know that you are financially protected. The first step is to review your policies to be sure that they will cover any natural disasters that may be prevalent based on the area in which you live. Then, determine that your deductibles are within your budget and that the policy will pay the replacement costs of your property and possessions. Make whatever adjustments wherever necessary.

Design a Home Escape Plan

There is usually panic and chaos in a major emergency so to ensure that everyone has the best possible chance for escape, you need a step by step plan. The plan must include the locations of escape routes from each room in your home, assignment of specific duties to all who can handle them, and accommodations for those like infants, senior citizens and pets who cannot escape independently. There should be a step included for someone to contact emergency personnel if there is no home security system or if it malfunctions. You must identify safe meeting spaces within the house in case of an earthquake or tornado and outside of the house in case of fire or flood.

Create Contingencies If Separated

Emergencies often occur with little warning so you need to decide how you will respond if all family members are not together during the event. You should check with schools and other organizations to determine how they will protect your children. You should also teach your children how to contact you if necessary. Your local fire and police departments can make recommendations to help you with this part of the plan.

Plan for Evacuation of the Area

In cases where there is the potential for devastation to entire communities, it may be necessary to evacuate the area. You should decide on the location of your temporary shelter and multiple routes to use to travel there. It is important to inform friends and family members of your evacuation plans when possible so that they can track your progress.

Pack an Emergency Bag

One of the first steps in your home emergency plan is to pack a bag. This bag should be on hand in a designated area of your home and should contain all the items you need to sustain all members of the family for at least 72 hours. The bare essentials are water, a whistle, a first aid kit, a non-battery-operated flashlight, a portable device charger and a battery-operated radio. Any necessary medications like insulin or inhalers should be added once the evacuation decision is made.

Design a Communication Plan

Your plan needs to include instructions on how family members will contact each other if separated. In widespread emergencies, cell towers may become inefficient so texting should be the first option. Internet service may also be affected so you should identify wifi hotspots outside of your local area so that you can use email or social media to update loved ones about your situation. A written list of emergency contacts should be carried by all family members so that authorities can notify them if your communication efforts fail.

Practice Makes Perfect

Once you have the plan, practice it, practice it and practice it. Create a variety of possible scenarios and work through each of them. Make adjustments to the plan when necessary. There is nothing like the real thing and it is difficult to know exactly how everyone will respond. Hopefully, a well-organized home emergency plan keeps you and your family safe from all harm.

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3 months ago · by · 0 comments

How to Stay Safe When It Starts to Hail

Hail can be a common form of precipitation in many parts of the world, it forms during thunderstorms. When the storm has windy updrafts, it can literally carry water droplets and these droplets may be frozen into hard pellets. This freezing process then creates what is known as a hailstone. Hailstones can be large or small. They can also grow as a result of additional frozen water as the added water clings to the hailstone. As this process continues, eventually the stone will grow too large for the winds to hold it up. When they are no longer able to keep it aloft, the stone, along with other stones, can fall to the ground suddenly. This kind of precipitation can be highly dangerous. It may come on quickly and unexpectedly without warning even in areas that rarely have such problems.

When Hail Strikes

As the storm continues, hail can hit an area fast and with great force. It can hit the ground as well as living things such as pets and children. At the first sign of such a storm, it’s best to know how to stay safe when the storm continues outside. All people, even those who live in areas where it is uncommon, should know what to do if they see it and how to respond in order to avoid problems. There’s no need to panic even if you are in the middle of a hailstorm. Fortunately, there many ways to avoid being hurt. Proper precautions and swift reaction can help all members of any party know what to do the instant they feel a hailstorm about to strike their area.

Seek Shelter

The first thing to do is look for shelter. If you’re at the beach or a park of any kind, head to the nearest covered space. Bathrooms and public showers can serve nicely. They will keep the hailstones away from your head. If you’re in an area where storms are common, you may see shelters specifically set up for this purpose. Make a note of them as you head to the beach. If you’re on the road when the storm strikes, it’s best to look for any shelter you can find. Hailstorms are frequently accompanied by heavy rain. Driving in heavy rain is very dangerous so it’s best to slow down as much as you can. If needed, you should pull over as soon as you suspect this kind of precipitation is over your head. Hailstones tend to make the roads slippery and create potholes you might not see immediately. They can also cause unexpected ice as they are frozen. Any covered structure as the storm continues such as a storefront or a hotel lobby is a good choice that can help you stay safe even as the storm continues to pound overhead.

When Inside

Once you’re inside, you may still be danger. Hailstones can shatter glass easily in an instant. You need to stay away from any windows and skylights when you’re inside. If you have window coverings such as shades and shutters, now is the time to put them up. They’ll help keep the hailstones away from the windows. They also help to protect your family and pets from any flying glass as they can catch the stones. These stones can also damage your roof and even create holes Holes allow the hailstones to hit you and hurt you. If possible, your best bet is to stay away from the roof. Heading to the basement or floors away from the roof is a good iea. If you have enough time, think about heading out to remove your vehicles to shelter. Put your cars in the garage. This keeps them safe from hailstones and avoids damage to the body and tires.

A Plan

Every member of the family should know what to do in case of a hailstorm. You should also have a radio or charged cellphone on hand at all times. This lets you check the weather. You can find out if the storm is stopping or it if will continue for a while. This way, you can figure out if you can head out again or it’s best to stay inside.

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3 months ago · by · 0 comments

Ways to Protect Your Farm Business

Starting a farm business is an exciting experience, especially if you are passionate about farming. There are hundreds of reasons to invest in agriculture. For instance, if you invest wisely in poultry or cattle raring, you will gain good profits every year. However, in order to earn a good profit from your farm, you must maintain it properly and buy the right farming equipment. You should research before launching your farm, which will help you gain adequate farming knowledge. Moreover, it is advisable to install the proper security measures to protect your farm from criminals. For example, if you have hundreds of animals, vehicles and expensive equipment on your farm, you must put advanced security measures to deter burglars. Keeping your farm business secure will make it tough for robbers to steal your farming machinery, livestock and other essential items. This article provides six crucial ways that you can use to safeguard your farm.

1. Talk to an Experienced Farm Insurance Company
Every agricultural business that is profit-oriented requires farm insurance. The insurance will cover the livestock, crops, ranch and farm equipment. Therefore, it is advisable to consult a reputable farm insurance agent in your region. Once you tell your farming needs to a reliable insurance agent, he will recommend the right coverage for you. Some of the factors that the insurance companies consider include the number of livestock reared on your farm, the size of your ranch, type of tools and anticipated profits. Investing in the best coverage will give you peace of mind.

2. Install an Advanced Security System
Installing the best security system is another perfect method that you should use to boost security on your ranch. For instance, you should buy high-quality CCTV cameras and install them on your property. The cameras will help you see every activity on your farm from wherever you are. Furthermore, it is advisable to invest in a good lighting system. If you keep valuable machinery in your stores, you need an alarm to protect your property. In the event of a robbery, the alarm system will inform you and the nearest authorities.

3. Keep Vehicles, Tools and Machinery Safe
As a farm owner, protecting your equipment should be your top priority. Vehicles and farming machinery are expensive. Generators and other crucial tools can be stolen easily. Your stores and commercial structures should be well-built. You should lock away tools and vehicles that are not in use. However, apart from building good structures and fencing your farm, you need to consult a trustworthy insurance agent to recommend the best insurance policy to protect your machinery. With the right cover, even if thieves steal your tools, you will get compensated.

4. Invest in Equipment Breakdown Coverage
Tractors and other farming tools are likely to get damaged after using them for a long time. Even if you maintain and repair them regularly, they can still break down. Once they get damaged, your farming operations may get disrupted, which will affect the level of production. Therefore, it is advisable to consult your insurance agent to help you add the best coverage to your policy. The equipment breakdown coverage will cover your tools. Once they get damaged, you will get compensated. Your farming operations will not come to a halt.

5. Secure Your Livestock
As a farmer, you need to know that robbers can steal your animals, especially if you are grazing them far from your house. You should check the condition of the gates and fences regularly. The gates should remain closed all the time to keep intruders out. Moreover, you need to keep an accurate record of your animals. You can use earmarks, microchips and tattoos to identify your livestock. You can also take videos or photos of the most expensive animals. Your farm insurance should cover your livestock to avoid losses in the event of a robbery.

6. Invest in Product Liability Coverage
Agribusiness is one of the most profitable ventures in the modern society. However, in order to surpass your competitors in the industry, you must invest in the best policies. For instance, you need to invest in product liability coverage to protect your farm business. You need to understand that you are always liable for any service or product you sell or manufacture. As a farmer, you should approach a reliable insurance agent to help you assess the risks associated with your farming business. The insurance company will recommend the best policy to cover all those risks.

Lastly, it is advisable to digitize all your farming operations. You should record every item manufactured and sold by your company. Also, you should hire honest employees to run your ranch. Once you secure your farm and invest in the best equipment, your business will grow.

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5 months ago · by · 0 comments

Safety Tips To Help Prevent Identity Theft

In today’s world of high technology, identity theft is one of the most common dangers for anyone managing their financial/credit affairs online electronically. The convenience and at times necessity of online banking and bill management have left many users unsuspecting victims. While dangers do persist, there are safety tips that everyone can use to minimize this threat to personal information and financial data.

One of the simplest ways to keep personal and financial information out of the hands of individuals intending on stealing personal data is frequent credit report monitoring. Closely monitoring your personal credit report can help in the detection of unfamiliar and/or inaccurate debt that has been reported to credit agencies. The sooner fraudulent data is discovered on a credit report, the easier it will be to report and resolve the matter with minimal damage to personal credit.

Keeping your social security number out of the hands of malicious identity thieves is another safety tip that can greatly reduce the chances of becoming a victim. This may seem difficult to most people since nearly every credit card company and financial institution require a potential customer’s social security number to open and maintain personal accounts.

The Internal Revenue Service has a potential alternative to using your personal social security number for such transactions. A federal tax identification number can be issued through the IRS which can legally be used in place of the social security number. It is much more difficult for those engaging in such activity to access and use a federal tax identification number fraudulently.

Another method of preventing identity theft is to choose and use passwords wisely when engaging in online activity. Among safety tips, this is the most often misused measure individuals fail to take seriously when attempting to keep their personal information secured. It is recommended that passwords for banking, email and other sensitive information be changed often in order to offset the chance of becoming a victim. It is also pertinent to chose a password that is complex enough to deter identity thieves from being able to access personal data.

Equipping your personal computer with antivirus and identity theft protection software can serve as another safety measure against having personal information stolen. There are several inexpensive software applications that can be imperative as a first line of defense.

Properly discarding credit offers, receipts and other documents that arrive via the mail is an overlooked measure that many individuals fail to do. A common practice for identity thieves is to steal unsecured mail that has been either thrown away or left in the mailbox by the rightful recipients. Nefarious individuals have easy access to opening credit lines and other accounts in your name if they are able to have access to any of these items.

While there exists a vast amount of additional safety measures individuals can use to protect themselves from identity theft, the tips mentioned will greatly reduce the threat and help to keep such information out of the wrong hands.

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Cincinnati Family and
Business Insurance
910 Loveland Madeira Road,
Loveland, OH 45140

Contact details

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mike@cincinnatifamilybusinessinsurance.com

513-583-5222

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