Reduce the Potential for Water Damage and Severe Weather Claims

Denise Gillin Business Insurance, Home and Auto Insurance, Risk Management

The insurance industry pays many more claims for water damage than they do for fire damage! And, the number of losses spike during the cold winter months. Do you know how to reduce the potential for water damage from: Wind-blown rain, sleet and snow from severe storms Ice damming Flooding and damage from surface water Accidental activation or damage to piping containing water Roof collapse   For more information and to access the Water Damage Prevention Inspection Checklist >>>  

Preparing for New Cyber Threats

Denise Gillin Business Insurance, News, Risk Management

According to an article by Jody Westby, CEO of Global Cyber Risk, published on Leader’s Edge website, as companies look to the year ahead, they should make sure they are prepared for the types of cyber attacks they might encounter in 2019. The cyber threat environment is more sophisticated than ever, and nation-states have increasingly played a role, often in coordination with other actors. Even the best chief information security officers are evaluating their programs against current threats and beefing up.   Tell me more >>>

Medical Marijuana and Workers’ Compensation in Pennsylvania

Lisa Yelovich Human Resources, Insurance, News

The Pennsylvania Medical Marijuana Act was signed by Governor Wolf on April 17, 2016, leaving employers with more questions than answers about employee use of medical marijuana. Key points of the Act note that those who are prescribed medical marijuana must have one of 17 designated “serious medical conditions” as diagnosed by a Department of Health (DOH) registered physician. First, the patient must obtain a certificate from a DOH-registered physician. They then receive an ID card from the DOH, and their name is placed in the state database. The patient is then able to get medical marijuana from a designated dispensary in their area. There are several forms of medical marijuana for patient use. These includes pill, oil, tincture or …

Tax Identity Theft Awareness Week: January 29 – February 2

Denise Gillin Insurance, News

It is tax time. The tax scammers are gearing-up. Learn how to protect yourself during Tax Identity Theft Awareness Week January 29-February 2, 2018. Tax identity theft occurs when a person uses someone else’s Social Security number to either file a tax return and claim the victim’s refund, or to earn wages that are reported as the victim’s income, leaving the victim with the tax bill. Read more here >>>

Winter Has Arrived

Amy Mitchell Insurance, News, Risk Management

Winter tips from Paul Davis Restoration of Lancaster & Lebanon Counties …And it appears that the 2018 winter months are going to feature a nationwide split between colder and wetter-than-average conditions in many parts of the northern tier U.S., while the southern tier states will experience warmer and drier-than-average conditions overall, according to The Weather Company, an IBM Business. In addition, NOAA (National Oceanic and Atmospheric Administration) sees that weak La Niña conditions have already officially developed and forecast a 65 to 75 percent chance of persisting through the 2018 winter months. January through February temperature outlooks from both The Weather Company and NOAA feature some similarities to what is typically expected in a La Niña winter. They suggest the …

Winter Driving Tips

Lisa Spencer Home and Auto Insurance, Insurance, News, Personal Lines

Severe weather can be both frightening and dangerous for automobile travel. Motorists should know the safety rules for dealing with winter road emergencies. AAA reminds motorists to be cautious while driving in adverse weather. Avoid driving while you’re fatigued. Getting the proper amount of rest before taking on winter weather tasks reduces driving risks. Never warm up a vehicle in an enclosed area, such as a garage. Make certain your tires are properly inflated. Never mix radial tires with other tire types. Keep your gas tank at least half full to avoid gas line freeze-up. If possible, avoid using your parking brake in cold, rainy and snowy weather. Do not use cruise control when driving on any slippery surface (wet, …

Preventing Ice Dams

Lisa Spencer Home and Auto Insurance, Personal Lines

By Joe Hurst-Wajszczuk of “This Old House” magazine Take care of trouble spots and you will enjoy a winter free of icicles – and the damage they can do to your roof. Dam Busters Stopping ice dams is simple, in principle: Just keep the entire roof the same temperature as the eaves. You do that by increasing ventilation, adding insulation, and sealing off every possible air leak that might warm the underside of the roof, as shown in the illustration below. By taking care of these trouble spots, listed here in order of priority, you should enjoy a winter free of dams and use less energy to boot. Read the tips here >>>

Easy Steps To Reduce Cast Iron Boiler Failures Due To Thermal Shock

Amy Mitchell Business Insurance, Insurance, News

By William P. Desrosiers in “Business, Energy Efficiency, Equipment Care” Thermal shock leads to many cast iron boiler failures, but boiler manufacturers set operational limits to avoid the cumulative conditions that lead to thermal shock. By following manufacturer’s specifications and scheduling consistent, coordinated servicing, cast iron boiler owners can reduce the risk of thermal shock. Tell me more >>>