Try Out These Suggestions to Stay Safe in the Pool This Summer

Keep these pool safety tips in mind this summer.Try Out These Suggestions to Stay Safe in the Pool This Summer

While there’s nothing better than a refreshing dip in the pool, it’s important to remember that playing in the pool does have its risks. If you are planning to hit the pool this summer, make sure you take these precautions to keep all your loved ones safe.

Install a Pool Barrier

If you have a pool in your yard, it’s important that you have a safety barrier installed. Pool safety experts recommend installing a 4 to 5-foot fence around the entire perimeter of your pool to prevent small children and pets from wandering into the pool unsupervised. Additionally, your pool barrier should feature a self-closing, self-latching gate to ensure that kids and pets do not sneak past the barrier without your notice.

Arrange Adult Supervision

Children should always be supervised by an adult when they are in the pool. Small children should only enter the water when equipped with the proper floatation measures, and they should always be kept within arm’s reach. Older, more experienced swimmers can be monitored from dry land; just be ready to jump in if an emergency situation arises.

Balance Your Pool Chemistry

Your pool requires the addition of several types of chemicals. If these chemical levels are not properly balanced, they could be harmful to anyone in the water. Before you swim, make sure that you measure the chemical levels of your water. If you need to add additional chemicals, wait two hours for the water to settle before taking another reading. If your water appears cloudy or discolored, you should not let people swim even if your readings claim that it is safe to do so. Murky or discolored water could be a sign of a dangerous chemical reaction taking place. If you are having trouble adjusting the chemical levels in your pool, speak to a local pool expert for assistance.

Try out these pool safety tips to keep all your loved ones safe this summer.  Want another way to protect the things you care about the most?  Then make sure you have the proper personal insurance protections in place.  To find the best policies to fit your needs, contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your insurance needs today.

Should I Get Insurance for My Online Business?

Find out which coverages you need to protect your online shop.Should I Get Insurance for My Online Business?

If you own a brick-and-mortar shop, it’s easy to understand that you need insurance protection for your company’s building, its property, and for any liability issues that could take place on the premises. However, what kind of insurance do you need when your shop is online? If you run an online business, here are some of the essential insurance policies you cannot overlook.

Cyber Insurance

As an online business owner, one of the most serious risks your company faces is the risk of a data breach. Luckily, having the right cyber insurance in place can help you mitigate this risk. This type of insurance provides coverage for the legal fees and expenses that your company might encounter if your customers decide to sue following a data breach. Additionally, cyber insurance offers coverage for notifying customers about the data breach, restoring personal identities of affected customers, recovering compromised data, and repairing computer systems.

Professional Liability Insurance

Also known at Errors and Omissions Insurance, professional liability insurance will cover you if you make a mistake in rendering your professional services. For instance, imagine that your company makes a professional recommendation for a client. If this advice negatively affects a client, they may decide to sue your company for negligence. In this case, professional liability insurance would cover your legal defense costs and the cost of settlement if necessary.

Product Liability Insurance

Finally, if your business sells goods, then you need to invest in product liability insurance. This type of policy provides coverage in the event that one of the products that your company sells causes bodily injury, illness, property damage, or so on. This insurance also provides coverage if your company is accused of improperly marketing a product that they sell and distribute.

If you run an online business, then these are some of the commercial coverages that you cannot afford to overlook.  Need additional help finding the right policies to fit your business’s unique needs?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your coverage needs today.

Breaking Down Your Auto Insurance Quote

Use this guide to help you decipher your auto insurance quote.Breaking Down Your Auto Insurance Quote

As a driver, you understand how important it is to have the right auto insurance protections in place. If you are looking for the right car insurance, you have likely requested a quote from different insurance companies. However, once you receive your quote, you might realize that you have no idea how to read it. If this is the case for you, don’t worry; you are not alone. Many people struggle to make sense of the information offered in their insurance quote. Use this information to help you break down your car insurance quote.

The Deck Page

The first page of your insurance quote is known as the declarations, or “deck” page. This page will include information that’s specific to you. For instance, it will show the car you want to insure, additional insured drivers, discounts, deductibles, and so on. In addition to this information, at the top of the page you will notice three numbers such as “50/150/35.” These numbers denote the dollar amounts (in thousands) of coverage you are quoted for. The first number refers to the maximum bodily injury coverage you will receive per person. Based on the given example, this would mean that your quote is offering you $50,000 of bodily injury coverage per person. The second number denotes the maximum bodily injury coverage you would receive for all injuries sustained in an accident. In this example, this would translate into $150,000 of total bodily injury coverage. Finally, the third number refers to the maximum property damage liability coverage you are quoted for. Based on the example, this would mean a coverage quote of $35,000 for property liability damage.

Available Coverages

Another important part of understanding your insurance quote is understanding all the different coverage options available to you. For instance, some of the most common auto coverages include:

  • Liability coverage: This coverage would protect you if you were responsible for causing injury or property damage to a third-party. This coverage would also kick in and cover your legal fees if the affected party attempted to sue you for the damages.
  • Collision coverage: This would cover the damages that your car might sustain during a collision event.
  • Comprehensive coverage: This would cover any damages that your car might sustain outside of a collision event, such as the damages caused by vandalism, fire, or an extreme weather event.
  • Medical payments coverage: This coverage would pay for the medical treatment that you and your passengers might require after a collision event. This is a ‘no-fault’ coverage meaning that you can access this coverage regardless of which driver was at fault for the accident.
  • Under/Uninsured motorist coverage: This would cover you in the event that you got into an accident with a driver who did not have adequate insurance coverage to address the cost of your repairs or medical costs.

Use this information to help you better understand your auto insurance quote.  Are you looking for further assistance with your auto insurance?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  Our professionals are ready to get you the coverage that you need today.

Why You Should File a Police Report After an Accident

Filing a police report after an accident will protect you and assist with your insurance claim.Why You Should File a Police Report After an Accident

It’s no secret that dealing with a car accident is a hassle, which is why it might be tempting to forgo calling the police, especially if you’ve already assessed the damage and exchanged information with the other driver. However, failing to file a police report could be a costly mistake, especially if you are not at fault for the accident. Here’s why it always pays to file a police report.

Simply exchanging contact and insurance information with the other driver is not enough to ensure that you will receive the necessary compensation to address your car’s repairs. For instance, it’s possible that the other driver has given you false information. If this is the case, then you would have no way to track the other driver down and you would be left to cover the cost of your repairs on your own.

When you call the police to the scene of the accident, they will interview involved motorists, speak to witnesses, and investigate the scene of the accident. This ensures that there is documentation about what really happened. Additionally, this will ensure that the other driver does not suddenly change their story in a way that would make it seem like you are at fault.

Perhaps most importantly, having an official police report will expedite your insurance claims process. When your insurance company can reference the information included in the police report, they can verify the conditions under which the accident took place. This, in turn, will improve your chances of receiving compensation to address your car’s repairs and any injuries you might have sustained. If you forgo the police report, you risk receiving a lower insurance payout or, worse, not receiving compensation at all.

This is why you should always file a police report after being involved in an auto accident.  Do you have further questions regarding your auto insurance?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is eager to get you the coverage that you need today.

Avoid These Bad Business Habits

Avoiding these habits can benefit your business and your health.Avoid These Bad Business Habits

As a business owner, there’s a lot on your plate. However, getting too stressed and overwhelmed can be a detriment to both your business and your overall health. If you want to run your business more efficiently while still taking care of yourself, then here are some of the bad business habits that you should avoid.

Dropping Everything for Your Clients

While your clients’ satisfaction is undoubtedly important, it’s neither efficient nor heathy to wait at their beck and call. Rather than being constantly available to address your clients’ whims, you should set aside a chunk of time every day to care for your clients. This will allow you to meet your client’s needs without pushing aside important work to do so.

Being Disorganized

In the world of business, time is money. This means that the time you spend looking for a specific email or searching for a client’s contact information is money lost for your company. To make matters worse, working in a disorganized environment can also increase feelings of anxiety. The best way to save time and reduce stress is by implementing organizational protocols and making sure that you actually stick to them.

Packing Your Schedule

While you want to get as much work done as possible, your ambition can actually prevent you from getting things done. When your schedule is packed to full capacity, you tend to rush, making you more likely to make mistakes and produce work of subpar quality. Rather than overcrowding your schedule, it’s much more efficient and healthy to take on a smaller amount of work that you can actually complete to the best of your abilities.

These are some of the bad business habits that you should avoid for the sake of your business’s success and your overall health.  Want another way to take care of your business?  Then make sure you have the proper business insurance protections in place.  To find the right policies to meet your needs, contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is ready to get you the coverage that you need today.

What You Should Do as the Victim of a Hit-and-Run

Here’s what you should do after being involved in a hit-and-run accident.What You Should Do as the Victim of a Hit-and-Run

An accident is considered a hit-and-run anytime an involved driver leaves the scene of the collision. Oftentimes, these accidents unfold so quickly that you do not have time to react. If you are a victim of a hit-and-run accident, here are some of the things you should do to handle the situation.

  • Do Not Chase the Other Driver

While it may be tempting, it’s important that you do not chase after the other driver. This is because your pursuit might cause you to drive recklessly, placing yourself, your passengers, and other innocent parties in danger. Additionally, the driver that you are chasing after might actually be dangerous as well. Instead of getting involved in a dangerous pursuit, you should pull over to the side of the road and make sure that you and your passengers are all okay.

  • Remember Any Details

After the accident, you will probably feel shaken and overwhelmed. However, it’s important that you collect yourself and try to remember exactly what happened. Do your best to remember any details such as the color of the other car, the state on its license plate, and any physical features of the other driver. Every detail, no matter how seemingly minor, can help you with your case.

  • Call the Police

Even if you feel that you have nothing to report, you should still call the police to report the accident. This is because having an official police report will help you with your insurance claims process. When the police arrive at the scene, recount the details without assigning blame or admitting guilt. Allow the police to come to a conclusion on their own.

These are some of the steps that you should take after being involved in a hit-and-run accident.  Remember, the best way to protect yourself from the losses caused by a hit-and-run is by having the proper auto insurance protections in place.  To find the right policies to meet your needs, contact the experts at Miller Carlisle Insurance Services.  We are ready to get you covered today.

Why Auto Insurers Need This Information

Here’s why auto insurers ask you to provide this information.Why Auto Insurers Need This Information

When you are getting an auto insurance quote, the insurance company will ask you to provide several pieces of information. But why do they need this information to give you a quote? Read on to find out some of the reasons why.

  • Your Social Security Number

While you are not required to provide your social security number to get a quote, auto insurance companies do give you the option to provide this information. When you do supply your social security number, the car insurance company will use it to run a soft credit check on you. Because your credit rating significantly affects your insurance rates, this soft credit check will allow the company to give you the most accurate insurance quote possible.

  • Your Vehicle’s Identification Number (VIN)

When getting an auto insurance quote, the insurance company will ask you for your car’s year, make, and model. However, they will also ask you to provide your vehicle’s VIN. While this might seem like overkill, your VIN reveals specific information about your car that is not encompassed by your car’s year, make, and model. For instance, your car’s VIN will tell the insurance company what special safety features are installed in the vehicle. Understanding all your car’s features will help the company offer you a more accurate insurance quote.

  • Your Home Ownership Status

Why does your home ownership status matter to car insurance companies? Well, for starters, homeowners tend to be more cautious drivers, and therefore at lower risk for an accident. Additionally, homeowners might require higher coverage limits to protect their financial assets. Finally, being a homeowner might unlock special discounts on your auto insurance. All these factors will affect your car insurance quote.

Here’s why auto insurers request this information from you when giving you a quote.  Do you have further questions regarding your auto insurance?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is ready to assist you with all your coverage needs today.

Should You Bundle Your Home and Auto Insurance?

Is a home and auto insurance bundle right for you?Should You Bundle Your Home and Auto Insurance?

While bundling your home and auto insurance together is generally a great way to save on both coverages, bundling isn’t always the best option for everyone. Need help deciding if you should bundle? Then here are some things that you should consider.

Are You Eligible?

If you live in an area prone to certain weather disasters, you might not be able to bundle your homeowners insurance with your auto or other insurance policies. So, before you spend too much time deciding whether you should bundle your insurance, make sure you are actually geographically eligible to do so.

Is each policy good on its own?

While most insurance companies sell various insurance products, sometimes one insurance offering is superior to the others. For instance, an insurer might offer particularly good service when it comes to auto insurance, but their other insurance products might be lacking in comparison. Before you decide to bundle your home and auto insurance, it’s important to consider each policy individually. If you find that one does not meet your standards, you should not bother bundling.

What are my overall benefits?

Finally, you need to compare the features, deductibles, and premiums for each policy. Oftentimes, discounts in one area distract from higher costs in another. Additionally, it’s important that you do not get too caught up in the amount of projected savings. While it’s great to save on your insurance, you should not sacrifice service or coverage to do so.

These are some of the things you should consider before deciding if a home and auto insurance bundle is right for you.  Are you looking for assistance with your home or auto insurance?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your insurance needs today.

Tips for Growing an Established Business

Try out these suggestions to help your business expand.Tips for Growing an Established Business

If your business is already established, expansion might not be the first thing on your mind. However, it’s important to remember that the competitive business world tends to reward companies that are constantly looking to grow and evolve. Here are some suggestions to help your established business expand.

Rebrand

If your company already has brand recognition, the idea of rebranding might seem crazy. However, for your business to expand, it’s important that your brand image accurately represents your company. If you find that your brand no longer fits, then its time to consider rebranding your business.

Listen to Your Customers

If you want to expand by offering new products and services, then turn to your customer base for advice. As your customers have likely been with your company for a while, they will be able to tell you where your business is lacking. By offering the things that your customers want, your business can grow in a way that provides value to your clients.

Seek Useful Partnerships

If your business simply does not have the resources to offer what your clients want, then look for a company that does. By partnering with another company, you can create a relationship that’s beneficial on all fronts. Both companies will benefit from increased business, and the customer base of each company will benefit from having access to an extended number of products or services. This is a great way to expand your business without having to invest too many additional resources.

Try out these suggestions to help your established business expand.  Want another way to set your business up for success?  Then make sure you have it covered by the right commercial coverages.  To find the right policies to meet your needs, contact the experts at Miller Carlisle Insurance Services.  We are ready to get you covered today.

Upgrading Your Auto Coverage

Add these coverages to your policy to upgrade your auto insurance.Upgrading Your Auto Coverage

If you are still relying on minimum auto insurance, then you do not have the necessary coverage to protect against all your risks. This is why you should take the opportunity to upgrade your policy. Here are some of the additional coverages you should consider adding to your policy.

Uninsured/Underinsured Motorist Insurance

Unfortunately, there is a large population of irresponsible drivers who do not carry adequate auto insurance. If you were to get into an accident with one of these drivers, you would likely have to cover your own repairs and medical fees, even if the other driver was at fault. The best way to protect against this risk is by adding uninsured/underinsured motorist coverage to your policy.

Comprehensive Insurance

While you might have coverage for the damages your car sustains during an accident, what happens if your car is damaged outside of a collision event? If you do not have the right coverage in place, you will be responsible for the damages caused by theft, vandalism, extreme weather events, and other perils. Luckily, adding comprehensive insurance to your policy will ensure that your car is protected against all the damages it might sustain.

Medical Payments Insurance

While liability insurance will cover another driver’s medical expenses after an accident, this type of insurance will not extend coverage for your medical treatment. This is why it’s so important to add medical payments insurance to your auto policy. This type of insurance will cover the medical fees that you and your passenger rack up following an accident—regardless of which driver was at fault.

These are some of the additional coverages you should consider adding to your auto policy.  Do you need assistance with finding the right car insurance to meet your needs?  Then contact the experts at Miller Carlisle Insurance Services.  We are ready to get you the coverage that you need today.