Posted on 10/31/2016 6:35 AM By Kent Rowe
New wallpaper? Easy. Upgrading a light fixture? No sweat. For Tyler, he is a DIY master, but when he decided to take on bigger challenges like knocking down his living room wall or redoing his basement... well let's just say he was caught with his toolbelt down.
Posted on 2/10/2015 10:00 AM By Kent Rowe
We're seeing more and more homes being built today with the homeowner acting as the General Contractor. This is happening for a number of reasons. The primary reason is to save money. Many Contractors add significant amounts of mark up on labor and materials and this can get very pricey for new home buyers, but contractors bring expertise to your job.
Posted on 11/20/2013 10:00 AM By Kent Rowe
Tis' the season for Holiday Cheer! While we all look forward to enjoying a few beverages over the Holidays with friends, co-workers and loved ones, there are certain risks that we face in doing so that most people aren't aware of.
Many of us host office parties, social gatherings at home or New Year's Eve house party's throughout the Holidays. By hosting such an event you are opening yourself up to the risks and laws of Host Liquor Liability. Any time that you host a function that involves you providing or serving of liquor to others, you assume all the risks associated with the actions and behaviors of those individuals you are hosting, while at the party and even after they leave. That's scary! The good news is that there are several things that can be done on a proactive basis that can help you manage this risk effectively.
Posted on 9/1/2011 10:00 AM By Kent Rowe
Businesses often undervalue the importance of the concept of fleet management. A sound Fleet Management Program can save your business thousands of dollars on an annual basis. In a lot of cases when people think of managing their fleet, they think of managing the physical asset or the vehicle on its own, often forgetting the other significant variable in fleet management..the driver. Most accidents occur as a result of human error; very few occur as a result of mechanical breakdown or poor maintenance.
Below are some simple, easy to implement guidelines that will help you prevent losses (paid by insurance or self insured), save money and allow you to improve your bottom line through maximization of capital.
Managing the Asset/Vehicle:
Most people engage in maintenance of their vehicle, but in many cases this maintenance occurs after a problem has been revealed. Develop a maintenance record that takes a pro-active stance of managing your vehicles. Don't rely on manufacturers suggested service standard ...
Posted on 1/18/2011 10:00 AM By Kent Rowe
It always amazes me how many commercial clients focus on getting the cheapest price available and rarely ever place any value on... value.
Buying insurance, the right insurance, is a significant transaction. It could mean the difference between your company's survival and its collapse, yet many consumers only analyze the bottom line... weird.
I often wonder in what other transactions do consumers almost always consider the cheapest alternative as their single criterion. Do we always buy the cheapest TV, the cheapest camera, the cheapest car seat for our children... .no, almost never. We buy these products because we perceive value in them. Whether it's the brand we choose, the warranty protection provided or the experience we create during the purchase, we very rarely buy anything based on price alone. Many people will spend hours on end researching what microwave they should buy, but they buy their insurance from the first guy in the door with the lowest price. Why? Frankly, I don't know.
Anybody can se ...
Posted on 12/2/2010 10:00 AM By Kent Rowe
I came upon a stranded motorists, his vehicle would not start, I offered my assistance only to find out I had left my booster cables at home.
Tips to remember this winter season:
Install winter tires. Winter tires improve driving safety by providing better traction in snow, slush and icy conditions.
Winter start up are hard on your vehicle, get your car winter ready with a maintenance check up.
Visibility is paramount, replace worn or broken wiper blades and burnt out front and rear lights. Clear snow and ice from all windows, lights, mirrors, hood and roof.
Make sure your radiator is full.
Have a winter survival kit, recommended items to have:
First aid supplies
Windshield scraper and snow brush
Flares and matches for lighter
Shovel, traction mat , sand or kitty litter
Extra clothing and footware
If you have a cell phone, make sure it is charged and bring it with you.
Posted on 11/22/2010 10:00 AM By Kent Rowe
In our latest blog, Commercial Lines Manager Kent Rowe waxes poetic on dealing with risk...read on...
Someone once said that the funny thing about common sense was that it's not all that common. When it comes to managing risk in your life and in your business, common sense can be your savior! Risk management is not rocket surgery, (Thanks President Bush!) it's not really complicated at all. All it takes to prevent and reduce risk is a little bit of common sense.
Risk is everywhere! When you cook breakfast in the morning you risk burning your house down, when you drive to work in rush hour traffic, you risk life and limb navigating the roads, when you disagree with your boss at the morning meeting you risk getting fired! It's unavoidable! How we manage this risk is what's important.
The key to managing risk is process, systematic process to be precise. When we cook breakfast we understand the risks that we face... we don't leave the stove unattended, we don't deep fry our hash browns in an open pot, etc. T ...