Umbrella insurance protects insureds from financial devastation. It’s a common policy homeowners purchase because it protects their home and other assets when an insurance claim exceeds existing homeowners or auto insurance policy limits. However, it could be a smart investment for renters, too.
It Supplements Existing Liability Protection
Typically, basic liability protection only includes $100,000 in coverage. An umbrella policy can offer $1 million or more in additional coverage. Both types of coverage offer financial protection and peace of mind.
For $1 million in liability protection, renters could pay as little as $300 a year. Claude Lilly, Clemson University College of Business and Behavioral Science dean, also reminds renters that an addition million may only cost $100 more. This inexpensive investment protects a renter’s possessions, auto and other assets as it gives the insured peace of mind.
It Complements Exposures
The hobbies a renter enjoys can make an umbrella policy a necessity. For instance, the renter’s dog bites a contractor or guest, resulting in thousands of dollars in medical expenses and an expensive lawsuit. The umbrella coverage kicks in after the basic renter’s insurance policy funds are exhausted, and it provides the financial protection the renter needs.
Likewise, owning a swimming pool, hunting as a hobby or playing golf can each be fun activities, but they also have the potential to turn into expensive lawsuits. Renters should invest in an umbrella policy that covers expenses associated with a claim or liability related to the exposures they enjoy.
Consider Net Worth
Each renter can decide how much umbrella insurance to purchase. Overall, the renter’s current assets and net worth determine the basic coverage amount.
Buy Based on Future Earnings
A renter who’s found liable for an auto accident could face wage garnishment. Purchasing an umbrella policy that takes future earnings into account ensures the renter is adequately covered and can pay the judgment without losing his or her home and other assets.
Remember Slander, Libel and Invasion of Privacy Protection
Umbrella coverage does more than protect financial assets after an accident or lawsuit. It also protects renters who are victims of slander, libel or privacy invasion. The protection an umbrella policy offers against these challenges makes it a wise investment.
Overall, umbrella insurance provides beneficial coverage for every consumer, including renters. An insurance agent can offer additional counsel and advice regarding how much umbrella insurance to purchase.
With easing up on Pandemic lock down restrictions, people are booking travel trips in record numbers.
Well, March is here, and it’s a popular month to visit tropical locations or start planning your next getaway.
Not everyone needs a tan. But, if you do schedule a few indoor tanning sessions, your risks of getting cancer increase when you use indoor tanning salons. Stay safe when you consider several tanning safety tips.
Take Melanoma Seriously
The Memorial Sloan-Kettering Cancer Center in New York City found that 54 percent of college students who tan don’t see it as significantly risky. They argue that many things cause. No one’s immune to cancer, though, and indoor tanning actually increases your chances of getting melanoma by 90 percent if you’re under 35.
Melanoma is serious. Even a small amount that’s roughly three grains of salt deep can spread to your lymph nodes and other organs. If that happens, your risk of dying from melanoma increases to 85 percent. Think about your future before you hit the tanning bed.
Protect Your Skin
Squamous and basal cell carcinomas are two common non-melanoma cancers. They don’t spread as fast as melanoma, but they can create skin scars that last the rest of your life.
Indoor tanning also produces sun spots and wrinkles and can damage the retinas in your eyes. These effects of tanning do not disappear as you age but do continue to affect your appearance and health.
Resist Peer Pressure
Women especially have a huge need to focus on their appearance. Tanning can help you fit in with your peers and look attractive. Giving in to peer pressure can also kill you.
Use Exercise and Fashion to Change Your Appearance
Golden-brown skin hides cellulite bumps and can help you look thin. Toning exercises produce the same results, though, and don’t include a cancer risk.
You can also wear clothing that complements your figure, shape and skin tone. Talk to your hairdresser, too, about the right hair style and accessories for you.
Understand the Addictive Risks of Tanning Beds
Even after being diagnosed with skin cancer, researchers find that some dermatology patients continue to visit the tanning salon. Those individuals try but are unable to cut back on their visits and avoid family, friends and hobbies to visit the tanning salon. Be aware of the addiction risk of tanning before you get started.
Despite the risks, you may still choose to tan. If so, use a reputable salon. The staff will evaluate your skin tone and recommend the right amount of tan time for you. Read the waiver, too. It outlines tanning risks.
Tanning can be dangerous. Proceed with caution as you prepare for your next tropical vacation. For more safety tips, talk to your doctor. Oh, and call us if you need Travel Insurance. 🙂
With more people working from home and spending more time on their screens (phones and computers), here are some useful tips to assist you in promoting healthy eyes.
Evaluate and Adjust your Workspace
Staring at a computer screen or repetitively assembling widgets for hours at a time strains eyesight. Remind co-workers to evaluate their workspace, identify any strain or damage risks, and make adjustments that protect their eye health, such as:
- Turn down the screen brightness and reduce blue light.
- Reposition work materials to between 20 and 26 inches from your eyes.
- Adjust your chair and posture so your worksite is slightly below your eyes level.
- Look at something 20 feet away for at least 20 seconds once every 20 minutes.
- Increase the screen font or use a magnifying glass to see small items.
- Blink regularly throughout the day or use eye drops to prevent dry eye.
Wear the Correct Eye Safety Equipment
Those that work with hazardous materials or operate equipment need to wear the proper eye safety equipment. Glasses, goggles and helmets, along with three steps, protect their eyesight.
- Wear eye safety gear at all times.
- Ensure the eye protection fits properly.
- Replace worn or torn eye safety equipment immediately.
This month, schedule an eye safety equipment inspection. co-workers
Encourage a Healthy Diet
The right foods can prevent eyesight deterioration and protect eyes from damage. For optimal eye health, eat foods that are high in zinc, vitamin C, vitamin E, and omega-3 fatty acids, such as:
- Green leafy vegetables.
- Non-meat proteins, including eggs, beans and nuts.
- Oily fish like tuna and salmon.
- Citrus fruit and juice.
To promote an eye-healthy diet, stock these foods in the break room or serve them during lunches.
Promote Regular Eye Checkups
An optometrist checks for vision changes and reviews eye health. The eye’s health and condition can even indicate a person’s risk of developing diabetes, hypertension or other chronic illnesses.
You pay premium prices for great Internet, now that you work remotely (from home). You need high speed Internet, so getting it back up to speed when it starts to slow down is a top priority. Here’s a quick troubleshooting guide to help you determine whether you can apply a quick fix, or if you might need to make a phone call:
Boosting Your Wifi Signal
The issue might not be your Internet connection, but your Wifi signal. It doesn’t matter how fast your web connection is when you’re too far away from your Wifi router or it’s putting out a weak signal. Plug directly into your Internet with a wired connection. If it runs fine, you may simply need to buy a more powerful router, switch to wired connections, or rearrange your office space so that your router can reach everyone who needs it. Also, consider a ‘mesh’ wireless system.
Someone’s Doing Some Heavy Downloading
Let others know that business-class internet doesn’t mean “Go ahead and do all your bit torrenting at the office from now on.” Downloading twenty eight movies at once while uploading fifteen others is going to slow you down.
Do a Security Check
Your network may be infected with a worm. More so than most viruses and malware, worms can really drag your connection down to a crawl. A network scan will be able to help you root out the intruder if this is the case.
See if Someone is Stealing Your Wifi
You can check your router device list to see if someone is connecting without permission. If so, you can change the password, and/or switch your security settings to WPA2-AES.
Call Your Provider
Call your provider and ask there are any issues in your area. It may simply be a temporary issue that they are already hard at work rectifying. And if that doesn’t work…
Start Shopping Around for a New Provider
Your provider might just not be up to the task of providing you with top-notch business grade Internet. If there are competing ISP’s in your area, don’t hesitate to get some quotes and compare download speeds. Brand loyalty is all well and good, but you don’t owe it to an ISP that isn’t providing.
Look around your home, and you probably see a variety of things you no longer value, use, want, or love. Make time in February to declutter your home and donate the proceeds to a good cause. Several tips can help you tackle this task with success.
Have a Goal
Decide which areas you want to declutter and when you want to finish the project. With a goal, your motivation to stay on track increases.
Create Five Bins
Stay organized as you declutter with bins or boxes. Label them keep, donate, trash, recycle, and relocate.
See if it Works
Toss items that don’t work or are broken unless you fix them immediately.
Consider When you Used it Last
Items you haven’t used in six months probably aren’t essential for your daily life and can be sold or donated.
Decide if you Love It
Your home is a calm and peaceful haven that should be filled only with stuff you love. Give yourself permission to get rid of items that no longer bring you pleasure and joy.
Forget Sunk Costs
Maybe you did pay a fortune for your clothes or kitchen gadgets, but if these items only take up space, sell or donate them. Forget the amount of money you paid and consider instead the value these items add to your life now.
Set a Timer
Improve your success and avoid feeling overwhelmed when you set a timer for 10 minutes. Stop working when the timer beeps and take a break before you begin again.
Play a Game
If you get stuck, turn decluttering into a game.
- Sort all the green, round or smooth items in the room.
- Toss 12 items, donate 12 items and keep 12 items.
- See how fast you can fill a bag of trash or donations.
- Challenge yourself to donate 20 or more pounds of stuff.
- Race your family members to finish decluttering your assigned areas first.
Take Pictures of Sentimental Items
The heirlooms you inherited from grandparents hold sentimental value, but it’s okay to let them go. Take a picture of sentimental items and donate or sell them as you clear out your home.
Consider giving your items to a local charity or organization. Alternatively, you can organize a yard sale and donate the proceeds to a charitable cause.
Update your Home Insurance
After you declutter your home, review your home insurance policy. Update the policy limits, remove any riders you no longer need and verify that you have the right coverage for your current needs.
This February, commit to clearing out your home.
February marks National Time Management Month. Here are some tips you can implement this month.
Identify Time Wasters
Time-tracking software helps you determine exactly how much time you spend doing various tasks throughout the day. Use the data to make tweaks to your schedule.
You decide how to spend your hours at work, so create at least one time management goal this month. It should be SMART:
Schedule your Day
Always create a schedule either on paper or online as you organize your day. Plan your day or it will plan you.
Remember to prioritize important tasks that must get done today. Otherwise, urgent tasks will take over your time, leaving important tasks unfinished.
Set a Timer
Racing the clock to finish a task within a certain amount of time can encourage you to work harder and smarter. A timer can also remind you to take breaks, which are proven to improve productivity, focus and creativity.
Respect your Energy
Like you have limited hours in a day, your energy has limits. Schedule important or tough tasks for high-energy times, and use low-energy times for easy or mundane jobs.
Every interruption affects your focus and wastes valuable time. Close your office door, turn on soft music or wear noise-canceling headphones as you limit distractions and solely focus on each task.
You’re in charge of your time. Learn to say no to tasks that don’t fit into your schedule. You may also need to learn how to advocate for yourself if your boss assigns too many tasks.
Allow Extra Time
After you calculate how much time a task will take, add a few minutes. This extra time serves as a buffer in case you encounter a delay or other issue.
Consider which tasks on your to-do list you can give to someone else. Delegating frees you to focus solely on the projects you alone can do.
Organize your Office
Looking for a misplaced paper or file wastes valuable time. Keep your desk and office area tidy so you everything you need is within easy reach.
Before you schedule a meeting, decide its agenda and invite only essential personnel. Enforce time limits on meetings, too.
Give employees a reward when they achieve their time management goals. A leather planner, clock or timer promotes ongoing efficiency.
Managing time is one way to improve productivity and job satisfaction. Encourage your employees to implement these time management tips this month.