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Personal Insurance Update

Did you get an ugly tie or sweater last year for Christmas?  If this Christmas is a repeat of last year, the good news is that you can probably exchange the gift for something you can actual use.  However, many other ugly things can happen during the holidays that you may not be able to take back.  While the holiday season is a great time to celebrate with family and friends, it can also lead to fire, theft, and losses that will dampen your holiday spirit.

Now would be a good time to have us review your personal insurance to make sure you understand your coverage, and provide optional coverage for you to consider.

Typical Holiday Mishaps

House fires – Due to increased use of electrical cords, home fires rise during November and December.  Make sure you use only UL approved appliance and electrical cords. Do not over-use outlets to string inside or outside lights.  If you have a natural tree, keep it watered. Invest in a fire extinguisher, and keep it in the kitchen.  The median cost of fire damage due to candles and fireplace claims can be around $9,000.

Theft –Criminals love the holiday season because they know you may have expensive items in your home. Keep your doors locked. Do not place gifts next to windows. It is not necessary to post all your holiday purchases on social media.  Criminals love to “like” your posts, and then steal your gifts.

Use of alcohol - Resist the pressure to drink or serve alcohol at every social event.  Designate a driver before the party begins.  Offer non-alcoholic beverages at your party.

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.


Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
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