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  • How to Lessen Your Liability This Summer

    Increasing temperatures and longer, sunnier days means summer is on the horizon. Mother Nature is tempting people to spend those extra hours outdoors camping, boating, road-tripping and doing countless other warm-weather activities. Some people are looking forward to a vacation away, while others are planning family reunions and barbecues close to home. No matter what your summer plans are, it's important to keep in mind that these activities carry a certain amount of liability for you. Even Mother Nature can get ugly from time to time; don’t let the fun of summer keep you from protecting yourself from potential risks.

    Whether you're heading across the country for the trip of a lifetime or planning a fiesta-filled staycation, there are a few things you should do first:

    Check Your Policies

    • Stormy summer weather has the tendency to wreak havoc on your property. Downed trees and roof damage are just a couple of ways it can cause devastation, sending you straight for an insurance claim. And if you don't have the proper coverage, you risk spending a lot of money out-of-pocket for repairs. Regardless of the season, it's crucial to always make sure your home, its contents and your entire property are fully covered and at their current values.
    • Let's face it, accidents happen. Even when we’ve played by all the rules, occasional mishaps will pop up and sometimes it will result in an injury. That’s why you want to make sure you're properly covered. Something as simple as having a play date in your backyard can carry the risk of a broken leg, an allergic reaction to a bee sting or any number of unforeseen events. Contact your agent to make sure your homeowners policy covers any accidents that could occur on your property.
    • Most homeowners policies follow you while you're on a trip, but it's a good idea to clarify before you go on vacation. If they don't cover rentals, we recommend getting renters insurance for condo or cabin stays. You’ll also want to make sure your home and its contents will be covered while you're away.
    • Not all auto policies carry over to cover rentals, which means you may end up being fully liable for any damages incurred while a rented vehicle is in your possession. Whether you’re renting a car or an RV, always check with your agent first, then you may want to consider the policy offered by the rental company.

     

    Play It Safe

    One of the best ways to lessen your liability is to stay ahead of the game. A little prep work can go a long way in ensuring your summer goes smoothly.

    • If you have a pool, it's highly important to keep it maintained on a regular basis. Before each use, check for debris or other objects that could be harmful to swimmers. Always keep it clean and covered when not in use. Some policies require fencing around pools as a safety precaution, so check with your agent to make sure you’re meeting the guidelines.
    • Do frequent walkthroughs of the yard to check for hazards like holes or sharp objects that could cause harm to someone.
    • Make sure toys and playground equipment are clean and functioning properly, any fencing is in tact and gates close and lock as they should.
    • If using a grill, ensure it's a safe distance from house or other structures to avoid a potential fire hazard.
    • Scan your property for any harmful nature--beehives, wasps nests, poison ivy or anything else that could cause issues.
    • Stay on top of any activities going on in and around your home; monitor playing children or sporting teenagers and always be aware of your surroundings when outside.

     

    Contact Wiedemann!

    If you're looking for a professional, customer service-oriented agency, give Wiedemann a call. With over 30 years in business, we have the knowledge and experience necessary to get you fully covered and protected from all of life's unforeseen events. With one phone call, we can get you competitive quotes from various companies, saving you a ton of time. As an independent insurance agency, we aren't limited to representing only one company, which means we can ensure you're always getting the best policy at the best price.

    Don't let another busy summer go by unprotected, contact Wiedemann today!

    Connect with us to stay updated on industry news, helpful advice and what's going on at Wiedemann Insurance Agency.

  • FLSA Changes to Over-Time Regulations

    The Fair Labor Standards Act is making changes and we want you to stay on top of them! The full update can be viewed here.

    What you need to know:

    • This change will impact every business in one way or another
    • Type of industry and size of a business does not matter or play a factor in these changes
    • The current estimated impact that directly effects employees is around 11 million

     

    Definitions to understand the terminology in the FLSA:

    Exempt = Salaried (Example: Position makes $35,000/yr)
    • Not Eligible for Over-Time

    Non-Exempt = Hourly (Example: Position makes $16.82/hr)
    • Eligible for Over-Time

    Have more questions about how this impacts your business? Feel free to contact us or read the full report here.

     

  • Spring-Cleaning Your Insurance Risks

    It's the time of year when things start to change. Everywhere you look there are flowers sprouting, trees budding, birds chirping and the days are getting longer. Children are riding their bikes again and getting ice cream on a Sunday afternoon sounds like a great idea. Yes, spring is in the air and we couldn't be more excited. Spring tends to pep us up with a renewed spirit and the urge to wipe the slate clean. You can find people organizing their closets, cabinets and drawers, attempting a fresh start to the season. Many people become so busy cleaning up their stuff that insurance never even comes to mind. This can be a risky oversight. Along with sweeping out the garage, spring is the perfect time to clean up your insurance risks.There are several ways this can be done:

    Cover your Bases

    One of the best ways to clean up your risks is to review your insurance policies to confirm you have the proper coverage in place. For example, you'll want to make sure your home, vehicles, antiques, jewelry and any valuable artwork are insured for their current values. If you’ve done any remodeling or adding on to your home, it could be underinsured in its current condition. Likewise, as vehicles and other items like antiques age, their value changes, so it’s a good idea to make sure you’ve got the correct policy and the right amount of coverage. It's also the perfect opportunity to take a look around and see if you've acquired any new possessions that need to be insured. Any potential gaps in coverage could end up costing you a lot of money in the event of a claim.

    Another great way to spruce up your insurance risks is to clear out the clutter. After a messy winter, now is the time to do a thorough walk-through of your home and property to check for any items that should be removed or replaced. This will also give you the chance to tend to any maintenance issues that need to be resolved. All of this can help lower your risk of loss due to something like a hidden electrical issue or water leak.

    Many people begin to hit the road and area lakes during this season, so giving your vehicles, boats, ATV’s and motorcycles a spring tune-up is a proactive way to ensure you’re driving or operating as safely as possible during the busy traveling season. A little prep work can save you future time and money.

    Check Your Rates and Information

    While you’re at it, checking up on details like your contact information and life insurance beneficiaries can save future headaches. Life inevitably changes over time and we tend to forget about how certain life changes impact our insurance policies. This can lead to unwanted surprises down the road. If you've gotten married, had a baby or had any other major life changes, make sure your policy types and coverage amounts are fulfilling your current needs.

    Many people make the mistake of automatically renewing their insurance policies without taking the time to ask any questions.This can end up costing you a lot more than it should in premiums. Most companies offer special incentives or discounts at renewal time or if you bundle your policies with them, which has the potential to save you a substantial amount of money. It's always a good idea to contact your agent so you know you're getting the best deal out there.

    Turn the Risk Over to Wiedemann

    If it’s been awhile since you’ve checked up on your insurance policies, give Wiedemann a call. We’ll help you assess your current needs and make sure you’ve got all your bases covered. Don’t waste your time calling a ton of companies to get quotes, as an independent agency, we represent multiple companies and can get you quotes with just one phone call. This also means we can get you the best policy at the best price. With over 30 years in the business, we have the knowledge and experience necessary to get you the coverage you need. Check out our products to learn more or contact us today for a consultation. One quick phone call to Wiedemann today can save you future stress, time and money.

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