Small Business Owners, Watch Out for These Liability Risks

Don’t let these liability threats get the best of your small business.Small Business Owners, Watch Out for These Liability Risks

As a business owner, you know that your company faces a considerable amount of risk every day. However, some of the most serious risks are those stemming from a liability issue. Here are some of the most common liability threats that you need to look out for.

Product Liability

If your business manufactures or distributes products, then it can be liable for any injuries, property damage, or other losses that the product causes. Additionally, your business can be held responsible if a customer claims that your product was falsely advertised.

Employment Practices Liability

Employment practices liability issues arise when an employee (current, former, or prospective) accuses your company of unfair hiring protocols or mistreatment in the workplace. Common employment practices liability claims include discrimination, sexual harassment, retaliation, breach of employment contract, wrongful termination, and so on.

Cyber Liability

Cyber liability issues occur when your business is the victim of a data breach that compromises the personal information of your customers. If your business is held liable for a data breach, it will be responsible for the cost of notifying customers, recovering lost data, restoring compromised identities, and repairing damaged computer systems. Additionally, you will also face the threat of litigation from affected customers.

These are three of the most common types of liability risks that small businesses face. Luckily, having the right commercial liability policies in place can help you protect against these risks and any others that your company might face. To secure the comprehensive business insurance that you need, contact the experts at Miller Carlisle Insurance Services. Our dedicated team is ready to get you covered today.

Fall Health Tips

Take care of yourself this fall with these health and wellness tips.Fall Health Tips

As temperatures get cooler, you might be tempted to slack on your healthy lifestyle in favor of cuddling up on the couch with warm comfort foods. However, it’s important that you stay fit and healthy no matter the season. Here are some of the things you can do to take care of yourself this fall.

Change Up Your Exercise Routine

Doing the same exercises day after day can get tedious after a while. To combat boredom, change things up this fall. For instance, try incorporating new outdoor activities such as hiking and bike riding into your normal workout rotation. Even activities such as raking leaves and working in the yard can be considered exercise, so be creative and you’ll find it easier to stay active all season long.

Load Up on Seasonal Produce

As the weather gets colder, you might be more inclined to swap out salads and light meals in favor of richer, hardier fare. However, this does not mean that your diet has to be completely compromised. Many seasonal fall fruits and veggies do well in stews, soups, and other heavier dishes. So, the next time you are preparing dinner, toss in some sweet potatoes, kale, cauliflower, or squash, to make your meal healthier.

Protect Against the Cold and Flu

Fall is the beginning of cold and flu season, which is why you need to pay more attention to your overall health. You can stave off colds by getting enough sleep, eating properly, taking the proper vitamins, and so on. The best way to protect against the flu is by getting your annual flu vaccination. Get your flu shot as soon as possible, and you will be protected all season long.

These are some of the things that you should do to stay healthy this fall. Want another way to take care of yourself? Make sure you have the proper personal insurance in place. For assistance with your coverage needs, contact the team at Miller Carlisle Insurance Services today.

Things That Can Void Your Homeowners Insurance Coverage

Avoid these activities that could result in your home insurance policy being cancelled.Things That Can Void Your Homeowners Insurance Coverage

If you have homeowners insurance coverage, you might assume that you will always have this coverage so long as you continue to pay your premiums. Unfortunately, this isn’t completely accurate. There are certain things you can do that could lead to your home insurance policy being cancelled. Here are some of the things you need to avoid if you want to keep your coverage.

Committing Insurance Fraud

If your home insurance provider uncovers instances of fraud, they have the right to cancel your policy. Usually, fraud is committed when you lie on your insurance application or provide misinformation to your agent. For instance, if you were to report that your home was a single-family dwelling but there were multiple families living there, you would be flagged for fraud and your policy likely rendered void.

Filing Claims too Frequently

Filing too many claims in a short amount of time could also result in the cancellation of your policy. Usually, filing a homeowners insurance claim is a rare occurrence. However, if you file multiple claims back to back, this could cause your insurer to categorize you as a high-risk homeowner. If you are considered too risky to insure, your insurer has the right to cancel your policy.

Committing Illegal Activities

Finally, committing illegal activities within your home will result in a denial of coverage. It’s important to note that you will lose coverage even if you are not aware that these activities are taking place inside your home. Almost every homeowners insurance policy will include a clause explaining what will happen in the event that illegal activities are uncovered.

These are some of the things that can result in your homeowners insurance policy being declared void. Do you have additional questions regarding your home insurance? Don’t hesitate to contact the team at Miller Carlisle Insurance Services. We are ready to work with you today.

How to Observe Breast Cancer Awareness Month

Get involved this Breast Cancer Awareness Month.How to Observe Breast Cancer Awareness Month

October is Breast Cancer Awareness Month, a month dedicated to educating the public about this serious disease and raising money for cancer research. If you would like to get involved this month, here are some of the suggestions that you should try.

Schedule a Screening

One of the best ways to observe National Breast Cancer Awareness Month is to schedule a breast cancer screening with your doctor. Women over the age of 40 should get an annual mammogram to check for breast cancer. If breast cancer runs in your family, speak to your physician. You might have to be screened more frequently due to your increased risk for developing the disease. While male breast cancer is less common, if you have a family history of breast cancer, talk to your doctor about appropriate screening procedures. Remember, early detection is the best way to fight off cancer, so stay vigilant and don’t be afraid to contact your doctor if you notice potential symptoms of breast cancer. When it comes to breast cancer, it’s always better to be safe than sorry.

Donate and Volunteer

Another way to get involved this October is by donating to or volunteering with breast cancer organizations and research initiatives. By making a monetary donation, you can help support breast cancer research and help find a cure. By volunteering at a local event or with a major organization, you can help raise awareness for breast cancer and educate the public about the realities of this devastating disease. Your hard work can encourage others to donate and get screened as well.

These are some of the things you should do to get involved this National Breast Cancer Awareness Month. Want another way to take care of yourself this October? Make sure you have the right insurance protection in place. For assistance with your personal coverage needs, contact the experts at Miller Carlisle Insurance Services to get started today.

Preventing Common Causes of Workplace Fires

Watch out for these common fire hazards at your business.Preventing Common Causes of Workplace Fires

While you might have a fire detection system installed in your place of business, this isn’t enough to completely eradicate your business’s fire risks. It’s also important that you understand some of the fire risks that your company faces and what you can do to mitigate these risks. Here are some of the common causes of workplace fires and what you can do to address them.

Cooking Equipment

Surprisingly, cooking equipment is one of the most common causes of fires in commercial settings. While this makes sense for businesses involved in the food and restaurant industry, cooking equipment is also a major fire risk in other businesses as well. For instance, if you have cooking equipment in your employee breakroom (microwaves, hotplates, toaster ovens, electric tea kettles, etc.), it’s important that your employees are using these items safely and only for their specified purpose. Additionally, it’s important that these cooking appliances are turned off and completely cooled down before you leave them unattended. Finally, keeping flammable items away from hot cooking equipment will also cut down on your businesses risk for fire.

Electrical Malfunctions

Another common cause of workplace fires is the malfunction of electrical and lighting equipment. While you can’t really predict when a malfunction will occur, you can reduce your business’s fire risk by training your staff. For instance, train your staff on how to safely use work equipment to avoid malfunctions caused by improper use. Additionally, your employees should be trained to notice potential electrical issues such as frayed or damaged wiring, issues with lighting fixtures, and broken equipment. As a business owner, you should also make a point to conduct regular workplace safety inspections to catch any potential problems before they become serious.

These are two of the most common workplace fire hazards that you and your employees need to be on the lookout for.  Want another way to keep your business safe?  Make sure you have the proper business insurance protections in place.  Contact the experts at Miller Carlisle Insurance Services for assurance with your commercial coverage needs today.

Fall Home Checklist

Take care of these tasks around your home to help you avoid costly damages this fall.Fall Home Checklist

With fall right around the corner, it’s important to prepare your home for this change in seasons. By taking care of routine home maintenance tasks now, you can avoid serious and potentially expensive damages in the future. Here are some of the tasks you should complete to ready your home for fall.

Inspect Your Roof

For many homeowners across the country, the beginning of fall ushers in stormier, wetter weather. This weather can wreak havoc on your home’s roof and cause serious structural and interior damages. To ensure that your roof is ready to

handle this onslaught, inspect it and repair any damaged or worn sections. For instance, you should look for areas of your roof that feature damaged, loose, or missing shingles. By taking the time to repair these damages now, you can ensure that your roof and home do not experience more serious damages when met with inclement fall weather.

Clean Out Your Gutters

During the long summer months, dried leaves, dust, and other debris likely accumulated in your home’s gutters. While this may not seem like a major issue now, this debris can cause your gutters to become clogged and start to overflow in heavy fall rain. This can lead to water damage to your roof and your home’s foundation. To prevent these issues from arising this fall, take the time to clear out your home’s gutters.

Trim Your Trees

If you have tree branches overhanging your home, walkways, and driveway, it’s important that you cut back these branches before fall weather sets in. If you leave these branches, they might cause damage to your property or fall on your loved ones as they sway and break off in windy or stormy conditions. Rather than assuming this unnecessary risk, simply be sure to trim your trees now.

These are some of the fall home maintenance tasks that you should take care of as soon as possible.  Want another way to keep your home safe this coming fall?  Make sure you have the proper homeowners insurance protections in place.  For assistance with all your personal coverage needs, contact the team at Miller Carlisle Insurance Services today.

Do You Have Enough Car Insurance?

If you are relying on auto insurance minimums, you are severely underinsured.Do You Have Enough Car Insurance?

As a car owner, you know how important it is to have the right auto insurance protections in place. However, how do you know exactly how much insurance you should have? Here’s how you can tell if you are underinsured and how you can secure the additional car coverages that you need to protect yourself.

Underinsured?

In actuality, there is no set coverage amount that separates the well-insured from the underinsured. However, if you are relying on an auto policy that only satisfies your state’s legal insurance minimums, you are almost certainly underinsured. State auto insurance minimums provide only the barest, most basic forms of coverage, and relying on this coverage alone means that you probably won’t be able to fully cover any of the claims you might have to file. Keep in mind that you are financially responsible for covering whatever your auto insurance cannot. So, if you want to reduce your risk and avoid paying out-of-pocket for claims, consider raising your coverage limits.

Securing Additional Coverage

Luckily, securing additional auto coverages is as easy as calling your insurance provider. Not only can you increase your existing coverage limits, but you can also add additional coverages to your policy that you did not have before. For instance, ask about securing collision, comprehensive, medical payments, uninsured motorist, and roadside assistance coverages. If you are not sure how much you should increase your current coverage limits, ask your insurer for their expert opinion. They should be able to offer you several options and explain how each will affect your premiums. Any time you increase your coverage, you will increase your insurance rates. However, this is a small price to pay to ensure that you have the comprehensive protection that you need.

Interested in securing the comprehensive auto insurance that you need to stay safe?  Then contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is ready to get you the coverage that you need today.

Getting Coverage After Your Auto Policy Has Lapsed

Here’s what you can do to secure auto coverage if you’ve accidentally allowed your policy to lapse.Getting Coverage After Your Auto Policy Has Lapsed

Whether you have forgotten to make a payment or have forgotten to renew your policy, there are many instances in which drivers have accidentally allowed their car insurance to lapse. If this happens to you, it’s incredibly important to quickly regain the coverage you have lost. Here are some of the ways you can secure coverage after your auto policy has lapsed.

Ask to Have Your Policy Reinstated

The easiest and most straightforward way to regain the coverage you have lost is by contacting your auto insurance provider and requesting to have your policy reinstated. If you have simply missed a payment but are otherwise in good standing with your insurer, they will likely reinstate your policy.

However, some insurers aren’t quite so generous. Some might only reinstate your policy after you have paid a penalty fee and some might refuse to reinstate your policy at all. Keep in mind that your insurer is not required to reinstate your policy if you have allowed it to lapse. If you have missed your reinstatement grace period or have proven yourself too risky to insure, your insurance provider has every right to cancel your policy.

These are some of the steps that you can take to get auto coverage after accidentally allowing your policy to lapse.  Do you have additional questions regarding your auto insurance?  If so, don’t hesitate to contact us at Miller Carlisle Insurance Services.  Our dedicated team is eager to assist you with all your coverage needs today.

Essential Commercial Coverages for Your Business

Here are some of the insurance policies your business can’t afford to overlook.Essential Commercial Coverages for Your Business

As a business owner, you know how important it is to secure the right insurance coverages for your company. However, with all the coverage options out there, it can be difficult to determine which policies are most essential. To help you get the coverage you need, here are some of the most basic types of insurance that almost every business can benefit from.

Commercial General Liability

One of the most serious risks that your business faces is the risk of a liability issue. For instance, if your business was deemed responsible for another’s injuries, property damage, or other losses, then your company would be liable for their medical treatment or repairs. Additionally, you might even face a lawsuit. Commercial general liability insurance will ensure that you have the coverage you need to address these costs and, if necessary, pay your legal fees.

Commercial Property

Another major risk that you face is the risk of property damage. For instance, your business could face damages and losses stemming from vandalism, break-in, fire, or extreme weather event. Commercial property insurance will ensure that you can pay for your business repairs. Keep in mind that this type of insurance will also extend coverage to the supplies, inventory, equipment, and other property housed within your company’s building.

Workers Compensation

Workers compensation is one of the few mandatory commercial coverages out there. In fact, almost every state has laws dictating the amount of workers comp insurance that businesses are required to carry. This type of insurance covers the medical treatment and lost wages of employees that are injured or who become ill while on the job. Additionally, this coverage can also be applied to your company’s legal fees, should the injured employee decide to sue.

These are some of the essential coverages that your business cannot afford to overlook.  Looking for assistance with your business’s coverage needs?  Then contact us at Miller Carlisle Insurance Services.  Our professionals are ready to get you covered today.

Try Out These Defensive Driving Tips

Here are some of the defensive driving tips that all drivers can benefit from. Try Out These Defensive Driving Tips

Responsible drivers do everything in their power to keep themselves and those around them safe. One of the best ways to protect yourself is by employing defensive driving strategies. Luckily, there are several defensive driving behaviors that all drivers can benefit from. Here are some of the tips you should keep in mind when you are behind the wheel.

Scan the Area Around You

Many drivers fall into the habit of only looking right in front of their cars as they drive. However, this tunnel vision could prevent you from recognizing a driving hazard until it’s too late. This is why you should make sure that you are checking your rearview and side mirrors and checking your blind spot as you drive. This will increase your awareness and decrease your chances of getting into an accident.

Avoid Tailgating

Tailgating isn’t just rude, it’s also rather dangerous. If you follow the car in front of you too closely, you might not be leaving yourself enough time to react to the other driver’s actions. For instance, if they were to suddenly slam on their brakes, you likely would not have enough time to react, causing you to rear-end them. This accident could have been easily avoided if you simply followed at a safe distance.

Remove Distractions

Safe drivers focus their full attention on the road. This is why you should do everything you can to reduce the distractions inside your vehicle. Keeping your volume turned down, your phone out of reach, and your passengers under control will make it easier to focus on the task of driving.

These are some of the defensive driving tips that all drivers should employ.  Want another way to stay safe behind the wheel?  Then make sure you have the proper auto insurance protections in place.  For assistance with your coverage needs, contact Miller Carlisle Insurance Services today.