Protect your home and your family with these home safety tips.
"Fear is the father of courage and the mother of safety."
Henry H. Tweedy
Storm Protection
Storm Protection
How To Prevent A False Alarm
How To Prevent A False Alarm
Moving in: Security Checklist
Moving in: Security Checklist
Spot Deceptive Sales Scams
Spot Deceptive Sales Scams
Start a Neighborhood Watch Checklist
Start a Neighborhood Watch Checklist
Motion Sensor Tips and Tricks
Motion Sensor Tips and Tricks
Fire Safety Plan Checklist
Fire Safety Plan Checklist
5 Tips to Keep Your Child Safe at Home
5 Tips to Keep Your Child Safe at Home
Tips to Prevent a Home Break-In
Tips to Prevent a Home Break-In
Pet Safety Tips
Pet Safety Tips
Home Office Safety
Home Office Safety
Apartment and Condominium Safety
Apartment and Condominium Safety
Kitchen Safety Tips for the Holiday Season
Kitchen Safety Tips for the Holiday Season
Halloween Safety Tips for the Whole Family
Halloween Safety Tips for the Whole Family
Safety Solutions for Rural Properties
Safety Solutions for Rural Properties
Hurricane Safety
Hurricane Safety
Home Security Tips
Home Security Tips
Fire Safety Tips
Fire Safety Tips
Holiday Safety Tips
Holiday Safety Tips
Tips for a Safe Home during the Holidays
Tips for a Safe Home during the Holidays
Baby Safety Tips
Baby Safety Tips
Back To School Safety
Back To School Safety
Bicycle Safety Tips
Bicycle Safety Tips
How To Choose a Home Alarm System
How To Choose a Home Alarm System
College Safety Tips
College Safety Tips
College Social Life Safety
College Social Life Safety
Financial Safety Tips
Financial Safety Tips
Fire Safety For Kids
Fire Safety For Kids
Financial Scam Safety
Financial Scam Safety
Home Office Safety Tips
Home Office Safety Tips
Home Security Glossary
Home Security Glossary
Medicine Cabinet Safety
Medicine Cabinet Safety
School Lockdown Procedures
School Lockdown Procedures
Social Media Safety Tips
Social Media Safety Tips
Spring Break Safety Tips
Spring Break Safety Tips
Study Abroad Safety Tips
Study Abroad Safety Tips
Thanksgiving Safety Tips
Thanksgiving Safety Tips
Top Ten Guard Dogs
Top Ten Guard Dogs
4th of July Safety Tips
4th of July Safety Tips
Dating Safety Tips
Dating Safety Tips

Use these tips along with your home security system to help protect your home and your loved ones:

Create the illusion that someone is at your house. ...
Make sure all exterior doors have reliable locks. ...
Always look before opening the door. ...
Don't leave spare keys in obvious locations. ...
Secure your sliding glass doors. ...

Reducing Risk Inside and Around the Home

Reducing Risk Inside and Around the Home
In the kitchen
  • Keep a distance between flammable objects (papers, curtains, plastics, etc.) and fire sources (oven, stove top, portable heater, etc.)
  • Use harmful products (cleaning solutions, lighters) with caution (follow nstructions!) and keep them out of reach of children and pets.
  • Never leave sharp objects (knives) or other such tools and utensils misplaced or unattended.
  • Ensure electrical cords aren’t draped across other appliances or the counter or stove top.
  • Leave space around appliances for proper ventilation.
Reducing Risk Inside and Around the Home
In the bathroom
  • Keep electrical appliances wrapped and away from water.
  • Use non-slip strips or floor mats
  • Always keep the room clean and as dry as possible.
Reducing Risk Inside and Around the Home
In the bedroom
  • Never smoke.
  • As always, ensure that everything else is a safe distance away from a source of fire or heat.
  • Opt for mattresses with open flame-resistant protection.
  • You’re most vulnerable when you sleep. Even in bed, keep a phone, light, (and, if necessary, a weapon) within reach.
Reducing Risk Inside and Around the Home
In the garage
  • This is probably where you store most of your tools and equipment. Take precautions with flammable liquids, chemicals, and anything producing fumes.
  • Keep poisonous substances (paint thinner, antifreeze, rat poison, etc.) locked up and out of reach of children and pets.
  • Keep your space clean and organized, especially as many of your tools are sharp, heavy or otherwise dangerous.
Reducing Risk Inside and Around the Home
In the yard
  • Surround your property with a sturdy fence (this is more for keeping in children and pets, but can also serve to remind strangers to keep out).
  • If you’ve got a pool, keep it locked down or fenced in when not in use.
  • Be careful when working in bad weather. Use sand, salt, and good-traction footwear on ice and snow.
Reducing Risk Inside and Around the Home
On the stairs
  • Keep steps clean and dry.
  • Always install stable and sturdy railing on both sides of the stairs.
  • Ensure that the distance between the rails is narrow enough to prevent a child or infant from falling through.
  • Good rule of thumb: less than four inches!
  • Keep stairs well lit.
Reducing Risk Inside and Around the Home
Guard against fire
  • Install smoke detectors, check them regularly, and replace the batteries at least once a year.
  • Avoid overloading outlets and extension cords.
  • Keep fire extinguishers handy and know how to use them.
  • Establish a safety exit, ensure all family members know and understand it, practice with drills, and ensure it’s never blocked.
  • Never block or pile things on heaters or near heat-exuding appliances; give these a wide berth, plenty of breathing room, and make sure they don’t get overheated.
  • Ensure that all materials are fire-resistant if you’re renovating or just fixing up something around the house.
  • Never leave any type of fire or hot appliance unattended.
  • Remove dry vegetation around your home, especially during the dry seasons.
  • Cover the fireplace with a stable and large metal fire frame.

What is Hired and Non-Owned Auto Insurance?

    What is hired and non-owned auto coverage?  It is liability coverage for bodily injury and property damage caused by a vehicle you hire (rental vehicles and borrowed vehicles) or caused by non-owned (vehicles not owned by the...

    What is hired and non-owned auto coverage?  It is liability coverage for bodily injury and property damage caused by a vehicle you hire (rental vehicles and borrowed vehicles) or caused by non-owned (vehicles not owned by the...

 

 

What is hired and non-owned auto coverage? 

It is liability coverage for bodily injury and property damage caused by a vehicle you hire (rental vehicles and borrowed vehicles) or caused by non-owned (vehicles not owned by the business, like employee's) vehicles while in use in the course of your business.  Typically, it does not cover physical damage (comprehensive and collision) unless additional coverage is purchased specifically for these perils. 

Who needs coverage?

All business owners have potential exposure and should consider purchasing hired and non-owned auto coverage.  If you have employees and they perform ANY of  the following tasks, you need this coverage:

1. Drop off or pick up deposits at the bank

2. Purchase office supplies at a store

3. Pick up or drop off mail for the business

As an owner, you can still have an exposure.  For example, if you are renting a car to use on a business trip, there is the potential for an accident where the coverage would apply.

When does coverage apply?

When a non-owned or hired vehicle, used in the course of your business, is involved in an accident, this coverage responds.  The most common example is an employee using their personal vehicle to run an errand for the business, such as dropping of the bank deposit or mail.  There are state specific laws regarding accidents and insurance coverage, so be sure to check your specific state. Generally speaking, in Illinois, if the vehicle is being used for business purposes and is involved in an accident the business could be assigned a portion of the liability for the accident.  The personal automobile insurance company could decline coverage or the business could be involved in a lawsuit.  If hired and non-owned coverage has been purchased the policy would pay to defend against the lawsuit and any liability damages to injured parties if the client was determined "at fault". 

How do you get coverage and what is the cost?

Hired and non-owned auto coverage can often times be added to your Business Owners Policy for a minimal premium per year.  You can also purchase a monoline (stand alone) policy for just this coverage.  Premiums are based on the type of business, number of employees, and your dollar exposure per year of renting vehicles, so premiums do vary.  In Illinois and Missouri, many policies are available starting at $250 per year. 

M & M Insurance Agency, Inc., your trusted local independent insurance agent, is here to guide you through the coverage options and help you pick the right insurance plan for you!  Please contact us with any questions and one of our trained professionals would love to talk to you about your coverage options.  Call us today for a quote! 

 

 


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