One thing I’ve learned over the years is there are several common misconceptions regarding personal umbrella insurance policies. In some cases, people who have one think it provides a blanket limit of protection but are often unclear as to how it really works. In other cases, people who don’t have one think they understand what it is but most of the time they don’t.
Now, ask any insurance agent or account manager what is the most frustrating part of their day. Most will say “certificates of insurance.”
Coincidence? Not at all.
Insurance in its simplest form provides protection to you or your business in the event you experience a covered loss to help make you whole again. Your independent agent can offer real value through coverage counseling to ensure you have adequate and appropriate coverages. Whether you are looking to cover your home, a commercial building, or another insurance rider, it is important that your property is insured with an adequate limit and for the appropriate value. Without adequate coverage, you could be left paying for your loss out of your own pocket.
I was listening to a podcast the other day about corporate culture, featuring Pat Lencioni. Lencioni is the author of multiple best-selling books and owner of a company called The Table Group, which works with companies and advises them how to create a strategic organizational plan and ultimately make their business more successful. He discussed how positive, humble, and hard-working individuals largely contribute to a company’s success.
The sun is out, the birds are chirping, and barbeques are a weekly event. The smells of a charcoal grill and sizzling meat can take you back to happy memories, but there are also some safety concerns when grilling. In the U.S., 7,000 Americans are injured every year while using a grill (ABC news). Here is a list of preventative tips to help you safely enjoy grilling and being outside.
Many people choose to exercise at workout facilities such as gyms, recreation centers, and health clubs. In 2016, the total number of gym memberships in the U.S. was 57.25 million in over 36,000 facilities. While the increased physical activity is a good thing, people often overlook the dangers found at such facilities. In fact, for many people, the gym may be the most dangerous environment they visit on a regular basis. Many people performing exertive movements in close proximity using heavy, free-moving equipment can be a recipe for disaster. To ensure you only end up sore from your workout, here are some gym safety tips to follow.
One of my personal goals for this year is to run a 5K. I haven’t run since high school, so even though I want to start running because of the health benefits, the idea of a 5K seems very daunting to me. Usually when I decide to start running again, I map out a plan for reaching this goal in my mind. However, it typically does not become a reality.