Archive for June, 2011

Power Struggle: The Cost of Electrical Surge

Posted by: Charles Hagerty

Your family is forced to stay home due to the big storm hovering over the house. The comforting sounds and bright screen of your 52” LCD  television eclipses the noise from outside. Then it happens: Just as you’re about to discover who gets voted off the island, your family is startled by sudden darkness.

After the outage forces your family to live in darkness for a few hours, the local power authority flips the switch and all is well…for a moment. ...

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What Can I do to Reduce My Workers’ Compensation Premiums?

Posted by: Charles Hagerty

  1. Manage Your Risks
  2. Take Advantage of Saving Opportunities
  3. Be Sure Your Premium is Correctly Figured
  4. Avoid the Assigned Risk Fund

Manage Your Risks – Most small companies cannot afford to hire a risk manager. Nevertheless, someone in the company should have a continuing responsibility for loss control and the management of workers’ compensation claims. This involves a variety of programs to keep workers safe, the medical management of claims and early return to work ...

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Undervaluation: Not to Be Overlooked

Posted by: Charles Hagerty

You pay for home insurance to avoid incurring large out-of-pocket expenses after a something damages your house and personal property. The last thing you need is an insurance company explaining “adequate limits of insurance” after the fact; especially if that explanation means more cost to you.

According to Marshall & Swift/Boeckh, an organization specializing in building cost research, 59% of homes were underinsured by an average of 22% in 2005. Some reasons for the high number of underinsured homes include inaccurate ...

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This Summer, Get In the Water—and Get Out, Safely

Posted by: Charles Hagerty

A cool swim on a hot day is an American tradition. As temperatures rise, most folks want to get into the water—whether at the ocean, lake or pool.

The combination of high fuel prices and an economic slowdown may keep Americans at or near home more than usual this summer. But water safety is a concern wherever you—and especially your children—venture this summer.

Pools present dangers, particularly for young kids. Each year, some 3,500 deaths—about 10 per day—are cause by drowning, according ...

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