Archive for the ‘liability’ Tag

Renters Insurance 101   Leave a comment

Image

Before you embark upon finding renters insurance, you’ll want to have a solid grasp on what it is and why you need it in the first place. Here we’ll give a brief explanation of renters insurance, explain why you need it, and tell you what it covers.

Why Have Renters Insurance

A lot of people have the misconception that, because they rent their home, they are exempt from needing insurance protection. This could not be further from the truth. Insurance is not just for homeowners, and here is why.

  • Liability protection. Lawsuits abound in today’s society, and, if one were brought against you, it could mean financial ruin. Accidents happen all the time, and you don’t want to end up financially devastated because of a mistake you made. Liability protection covers inadvertent damage to property or bodily injury that you case. For example, if a fire starts in your apartment because of your negligence, the other tenants could potentially bring legal action against you. Accidental occurrences, like someone tripping over something and hurting themselves in your apartment, are likewise covered.
  • Landlord policies do not cover personal belongings. Remember that the average renter has over $20,000 in personal property that a landlord’s policy would not cover. In the event that the items inside your residence were ever damaged, stolen, or vandalized, renters insurance would reimburse you for your losses.
  • Renters insurance is Inexpensive. When you compare the cost of renters insurance with what you stand to lose if you don’t have it, it underscores how inexpensive coverage is. There is no one who rents that should not have renters insurance.

What Renters Insurance Covers

Renters insurance policies will specifically state the events against which you are insured. Typically, the major events include:

  • Smoke damage
  • Vandalism
  • Fire
  • Lightning damage
  • Wind damage
  • Theft
  • Vehicle/aircraft damage
  • Water-related damages

Aside from the aforementioned perils, your renters insurance will also include liability protection, which means you are covered in the event that you cause unintentional property damage or personal injury to another person. Usually, the policy will even cover your legal fees, if necessary. Renters insurance typically also includes medical payments coverage, which covers the medical expenses of a person who does not live at the insured property.

“Our blogs are for general education and information only and may not represent your unique needs. Coverages will vary. Please contact your insurance agent to verify your specific policy terms and conditions.”

Thanksgiving Waiver   Leave a comment

Image

 

While this is intended as fun and games you may actually have exclusions on your homeowners or renters policy that you are not aware of. Please give a call to discuss ways to properly protect yourself against Uncle Ralph when he chokes on the cranberry sauce or other possible crazy liability claims.

Click the Image above and print for everyone who will be eating at your house this Thanksgiving.

“Our blogs are for general education and information only and may not represent your unique needs. Coverages will vary. Please contact your insurance agent to verify your specific policy terms and conditions.”

Fire Pit Safety   Leave a comment

Image

A backyard fire pit is great for family gatherings or parties with friends. It is imperative that you safely build and maintain a fire pit to avoid dangers from sparks. At the same time, every homeowner must have liability insurance to assist with payments for personal injuries. Contact your local fire department to determine if fire pits are permitted on private property. If your geographic region allows the building of fire pits, then ask about particular regulations required to comply with the law. Failure to follow your local government’s restrictions could lead to fines.

Look for a place in your backyard that is away from structures such as fences, decks and outbuildings. Choose a location away from shrubs, trees and gardens that can catch on fire due to hot sparks. Do not place a fire pit near utility lines, telephone poles or a neighbor’s property. In addition, you must build the pit in an area that is unaffected by windy weather. Concrete blocks or bricks are a standard support system for a backyard fire pit built on bare dirt or other nonflammable surface. While building the fire pit ring, make sure the support system is attached firmly to hold the metal bowl used to hold logs.

Allow the fire pit ring to sit for a few days to ensure it is safe to use before starting a fire. Begin layering logs in the metal bowl stabilized by the fire pit ring. Carefully light a match to set the starter log burning. As the fire begins, you can place a screen over the flames. It is important to keep clothing and hands away from the flames to avoid burn injuries. Wearing long oven mitts or using tongs while preparing the fire is an excellent method to avoid injury. Always have a bucket of water nearby to douse flames in an emergency such as high winds and flying sparks.

Courtesy of Wiseman Insurance Agency

“Our blogs are for general education and information only and may not represent your unique needs. Coverages will vary. Please contact your insurance agent to verify your specific policy terms and conditions.”

Posted November 7, 2013 by leecountyinsurance in Uncategorized

Tagged with , , , , , , , , , , , ,

Halloween Waiver for Trick-or-Treaters   Leave a comment

Image

Halloween Trick-Or-Treat Liability and Indemnification Agreement

_____________________ (hereinafter referred to as “Trick-Or-Treater”) agrees not to sue, harass, or
trick ____________________ (hereinafter referred to as “Benefactor”) for providing free, delicious
Halloween treats.

Trick-Or-Treater acknowledges and understands that no warranty, either expressed or implied, is
made by Benefactor as to the nutritional content of the goody. This document is offered in order to
duly warn Trick-Or-Treater that unforeseeable risks of harm may lurk in the Tootsie Rolls, Pop Rocks,
Blow Pops, Baby Ruths, chewing gum, Butterfingers, caramel apples, and any or all other
comestibles that may be offered.

Trick-Or-Treater is hereby informed that Benefactor’s snacks may contain any or all of the following:
calories, carbohydrates, sodium (salt), fat, peanuts, sugar, and marshmallow goo.
Trick-Or-Treater acknowledges that overeating may incur risks including, but not limited to, ruining
dinner, tummy aches, nougat stuck in teeth, sticky fingers, and chocolate-stained clothes.
Trick-Or-Treater hereby holds harmless Benefactor from all liability for personal injury suffered by
Trick-Or-Treater — which may be caused, in whole or in part, by any element or agent of Benefactor’s
candies. Trick-Or-Treater agrees that neither he/she, nor his/her parents, little league coaches, or
piano teachers will sue Benefactor or his/her agents for any injury that Trick-Or-Treater suffers, in
whole or in part, from consuming edibles collected from Benefactor’s premises.

This indemnification includes an agreement not to haul Benefactor into court on the basis of:

1) Failure to warn of potential for overeating because candy tastes too good and is provided at no
cost;
2) Failure to provide nutritional information or adequate educational information on exercise options;
3) Failure to state that candy corn is not really corn;
4) Failure to warn the lactose intolerant away from milk duds;
5) Failure to offer “healthier alternatives,” “organic alternatives,” or “lame treats no kid wants”; and
6) Failure to provide information about other venues offering alternative, “healthier” Halloween
goodies.

TRICK-OR-TREATER INDEMNIFIES AND RELEASES BENEFACTOR FROM ALL LIABILITY. TRICK-ORTREATER
HAS READ THIS DOCUMENT AND UNDERSTANDS IT. HE/SHE IS SIGNING IT FREELY AND
VOLUNTARILY AND WITHOUT DURESS, AND AGREES NOT TO APPEAR AS A WITNESS IN SUPPORT OF
JOHN “SUE HAPPY” BANZHAF, ESQ., OR ANY OTHER PERSONS WITH LAW DEGREES WHO
CANNOT OTHERWISE FIND MEANINGFUL EMPLOYMENT, AT ANY TIME IN THE FUTURE.

TRICK-OR-TREATER: ___________________________ DATE:______________________
BENEFACTOR: _____________________________
WITNESS: ___________________________ WITNESS: _________________________________

Posted October 24, 2013 by leecountyinsurance in Uncategorized

Tagged with , , , , , , , , ,