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Preventing Claims

Did you know that you can save money on your insurance policies by keeping a claims-free history? Here are a few things you can be doing to be preventing accidents and losses.

 

Personal Lines

Homeowners Insurance

  • Prevent lightning damage to your home by always using surge protectors and unplugging valuable appliances and electronics during lightning storms.
  • Prevent theft by installing a burglar alarm, always keeping your doors locked, keeping your yard well lit, and locking up your bikes in a safe area.
  • Prevent injuries and fire damage to your home by avoiding grill fires. This can be done by making sure the tubes are not blocked and that the propane tank is not overfilled.
  • Prevent injuries to others by making sure your pets are leashed or kept within a fence.
  • Prevent pool related accidents by supervising children at all times and adding a fence and a locked gate around your property.
  • Prevent water damage to your home by making sure your basement is waterproofed by a licensed professional.

Auto Insurance

  • Prevent accidents by being aware of your blind spots. Don’t solely rely on your rearview and side mirrors. When backing out of parking spaces or changing lanes, actually turn to look behind and beside you.
  • Prevent theft by always keeping your doors locked, installing an anti-theft system, and never leaving your car running while unattended.

 

Commercial Lines

Workers’ Compensation

  • Prevent injuries by establishing and following strict safety policies. Penalize those who do not adhere to your compliances. Also, be sure to implement an ongoing education and training system to keep employees safety-conscious.
  • Prevent high costs by monitoring potential claims and reporting injuries immediately.

Property Insurance

  • Prevent the loss of electronic data by backing up your files to an offsite hard drive or data center.
  • Prevent damage, theft, or vandalism to your building by installing an alarm system, installing a sprinkler system, and hiring security personnel.

 

 

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