​'Tis the season for holiday planning. Yet, gatherings of families and friends, crowded parties and travel may put Americans at an increased risk for COVID-19. The Centers for Disease Control and Prevention (CDC) recommends that you carefully consider the spread risk of in-person holiday celebrations.

​You've had an accident and your vehicle is in bad shape. After you report your claim, the insurance company sends out an adjuster to determine if it is worth paying out for the required repairs or instead of paying you for the value of the vehicle at the time of the accident.

​With the coronavirus pandemic forcing so many of our employees to work remotely, and with mobile technology allowing them to work from anywhere, your employees may be working when they are off the clock.

The Occupational Safety and Health Administration (OSHA) has issued respiratory protection guidance focused on protecting workers in nursing homes, assisted living and other long-term care facilities (LTCFs) from occupational exposure to SARS-CoV-2, the virus that causes the coronavirus.

​Source control measures are recommended for everyone in healthcare facilities, including LTCFs, even if the wearer does not have symptoms of the coronavirus. The guidance describes various source control measures, including cloth face coverings, facemasks, and FDA-cleared or authorized surgical masks. Healthcare providers should wear source control products/devices at all times while inside a LTCF, including in breakrooms or other spaces where they might encounter other people. 

View the guidance at:
https://www.osha.gov/sites/default/files/respiratory-protection-covid19-long-term-care.pdf

Many business owners may be good at running their companies, but the majority of them are failing to address essential long-term planning that is critical to sustaining their businesses.
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One area the majority of business owners often neglect is planning for business continuity.

One misconception about homeowner's liability insurance coverage is that it only covers incidents in the home. 

In fact, coverage under the comprehensive personal liability portion of your homeowner's policy is not limited by location. It is, however, limited by the liability caps on your policy. 

Conduct walkway audits to identify safety issues, so that you can develop plans to eliminate them. The plans need to account for varying weather conditions.

Snow has arrived for many parts of the country, and that means it's time to brush up on tips for safe winter driving, especially in snow.

The roads can get slick and visibility can dwindle, so always take it easy, drive calmly and stay safe. Whether you've driven in snow often, a short while, or never, it's always a good idea to brush up on the basics to help you stay safe during this time of year.

Buyers of long-term care insurance often focus on just the coverage basics, such as the level of daily benefits, length of coverage, and under what conditions the policy will pay a claim.
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While these basics form the chassis of the policy, long-term care policies offer a host of other options that may prove beneficial to the policyholder. 

​According to the National Safety Council, more than 700 people are injured in distracted driving crashes on a typical day. During Distracted Driving Awareness Month – and all year long – keep yourself and others around you safe with these tips.