Category: H&K Blog
Is Your Home Winter Ready? Part I: Ice Dams
If you live in a climate that includes cold winters, you know the season creates special challenges for homeowners. In this article, we discuss an icy situation. Ice Dams An ice dam refers to ice that has formed along a roof’s edge. The dam of ice blocks additional water and the pooling water backs up […]
read more »Loss Control
Daily, insurance consumers experience all types of losses to their property. Depending upon how serious the loss is, property owners have to consider their next action for loss control. Typically, the next move is to get an insurance company involved. When a loss amount is high, this may be the only practical thing to do. […]
read more »Personal Injury
Unlike accidental events that result in a person suffering a serious injury (called Bodily Injury) or property that is damaged or destroyed (called Property Damage); Personal Injury usually involves one person’s alleged interference with another person’s legal rights. It also applies to incidents that damages another person’s reputation. Personal Injury commonly includes the following acts.
read more »Snowmobile Safety
Bounding over trails through woods, over fields and across frozen ponds or lakes with cold blasts of air whipping around are all part of the fun that thousands and thousands of people enjoy during winter in their snowmobiles. Snowmobiling’s fun should not mask the fact that it still involves the use of fast, heavy vehicles […]
read more »Claims by Candlelight?
There’s Something Happening With Candles? If things haven’t got complicated enough for persons concerned with protecting their homestead, it appears that the soft, soothing glow of a candle’s flame may disguise some problems. Specifically, the use of candles may result in: reducing the internal air quality of your home increasing the chance of fire losses […]
read more »Office Functions and Alcohol Liability
The office picnic, office-sponsored sports activities, holiday party, and client party are events that may involve serving and consuming alcoholic beverages. Can a business be held responsible for injuries or damages that result from serving alcohol? Is the current insurance program sufficient to address this concern? Is it necessary to purchase special insurance? State alcohol […]
read more »Hosting Holiday Events
Be a Common Sense Host Holidays and special events often include celebrations that bring together families and friends in private homes across the country. Food, fun, talk and spirits flow generously and, unfortunately, so do injuries and accidents. It’s not news to hear that increased drinking leads to increases in personal tragedies, but it’s important […]
read more »How to Prevent Identity Theft
While homeowner policies do typically protect against credit card loss, coverage is usually just for the amount that falls below the minimum liability imposed by federal law (currently $50 per card). The costs of clearing up the aftermath include as correcting one’s credit history and straightening out various accounts and records. This effort routinely takes months […]
read more »What Is Identity Theft?
Identiy theft is another form of fraud that has been around for as long as there have been dishonest people. It is a high-profile problem because technology has created many more opportunities for this crime. Credit cards, funds transfer cards, ATMs, wireless payments, slipshod business practices and the Internet have all combined to make identity […]
read more »How to Insure Jewelry
Most homeowner policies provide very limited coverage for jewelry. The reason? Jewelry is high-valued (especially in relation to its size), is easily lost or destroyed and is vulnerable to theft (as well as fraud). If you only own a modest amount of jewelry (say just a few hundred dollars), perhaps the limited coverage provided by […]
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