Business Owners Beware: If You Don’t Clean Up Snow And Ice On Your Property You Could Have An Insurance Nightmare On Your Hands

It is rare that New Jersey gets a winter that doesn’t involve any ice and snow.  When that ice and snow hits, as a business owner you have a responsibility to your employees and clients to keep them safe.  After all, an injury can lead to a lawsuit and an insurance nightmare.  Before you find yourself in an unfortunate situation this winter, always consider the following and keep your business safe!

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Holiday Home Safety: Preventing Insurance Nightmares and Keeping Your Home Safe

The holidays are a wonderful time to enjoy friends and family in your home.  Of course, the last thing you would ever want is for an insurance nightmare to put a damper on the holiday season.  The best way to prevent problems is to be aware of the risks you can face and to do everything you can to keep your family safe.  Wondering what some of the most common issues are that homeowners face?  Here are a few examples of preventable mistakes you can make this holiday season.

Stay Attentive To Holiday Meals – The holidays are filled with family meals and decadent deserts and finger foods.  Of course, it can be very easy to become distracted by guests while preparing a meal.  Always make sure you stay attentive to food preparation.  Naturally, an unattended oven, stove top, or deep fryer can lead to a fire hazard within your kitchen.  Children and family members can also become susceptible to injuries from kitchen appliances and tools if not watched.  On top of that, it is important to be aware of food poisoning issues and food allergies.  If food is not prepared correctly it could lead to an unhappy and very sick family at the holidays.  Always make sure your food is fresh and be aware of allergy issues within your household.

Candles Add Ambiance and Fire Hazards – Candles and a roaring fireplace can certainly put you in a holiday mood, but they are also naturally fire hazards.  To avoid issues it is best to only light candles in rooms where you will be entertaining to make sure that you can keep an eye on them.  Jar candles that confine the flame within glass walls are a little bit safer than traditional candles.  Of course, electronic flameless candles can also create the mood with significantly less fire danger.  Make sure fireplaces are clean and cared for before using them, and make sure the fires are completely put out before you leave a fireplace unattended.

Be Safe With Electric Lighting – Stringing up holiday lights is a great way to add holiday cheer to the inside and outside of your home.  Make sure you are responsible when you do so.  Don’t overload wall outlets with plugs.  A power strip can be very useful when it comes to plugging in your holiday lights.  Be aware that some lights are better for outdoor use than others.  Check your lights to see if they are best for indoor or outdoor use.  Naturally, indoor lights are not made to handle outdoor weather conditions and can become hazardous because of it.  Before you string up your lights always check them to make sure that they work, and always make sure to check for fraying wires.  If you see chewed or fraying cords on your holiday lights, it is best to throw them away and to replace them with newer lights.  And finally, be safe when putting lights on the house.  Don’t risk a serious injury in the process of spreading holiday cheer.  Use the right tool for every job and always have a helper when you climb a ladder.

By paying attention and taking precautions, you can have a safe and happy holiday.  The holidays should be a time for entertaining and cheer, and a safe home will ensure that your holidays are worry free.  If you need home insurance to protect your family look no further than ABCO Insurance Agency.  We offer great rates to ensure that you get the best price available.  Call us today for more information.

Learn more about Homeowners Insurance HERE.

Holiday Theft: Keeping Your Home and Vehicle Safe From Theft During The Holiday

While it is nice to think that everyone is filled with holiday cheer and goodwill toward men this holiday season, the reality is that some see the holidays as an opportunity to take rather than give.  The theft rate actually spikes during the holidays, which means it is important to keep your home and your vehicle safe.  Wondering what you can do to protect your valuables?  There are many simple steps you can take.

Add A Home Security System – While this option may seem a bit drastic to some, it is one of the best ways to deter theft.  A home security system or security cameras can certainly keep burglars away for fear of getting caught.  They can also help you catch the burglar should they still attempt to break into your home.  Other options exist such as motion activate lighting on the outside of your property.  The best part is that this system will protect you year round, and many systems can also detect other issues in the home including fire and carbon monoxide.

Keep Your Doors Locked, Even When Entertaining – Many homeowners choose to leave their doors unlocked when they host parties and family gatherings in order to allow guests to come and go as they please.  Of course, this could invite unwanted guests who may sneak in and sneak out quietly while you are distracted by entertaining.  By locking the door you force yourself to greet and send off all guests as they arrive and leave.  This will offer you quality one on one time with your guests and will keep your home safe from theft while you are entertaining.

Don’t Hide A House Key Under The Doormat – It is common for homeowners to leave a key for relatives that may be visiting under the doormat so that they can come and go as they please.  You are safer by giving them their own set of keys while they visit that they can return to you when they are done.  After all, if an unwanted visitor gets wind of your “hidden” house key, they are liable to invite themselves in while you are away.

If You Don’t Trust Or Know All Of Your Guests, Hide Your Valuables – It may be hard to think that the people you are sharing your holidays with may not be trust worthy, but if you aren’t sure it is best to keep easily pocketed valuables safely tucked away.  After all, someone may bring home a new friend or significant other that the family doesn’t know who may have sticky fingers.  Tucking away a few valuables may save you some heartache as well as some awkward family conversations.

Don’t Hide Valuable Presents In Your Car – Many vehicle owners will use their vehicle to hide Christmas presents, but it is best to be careful when doing so.  After all, if a thief sees bags of freshly bought goodies sitting in the backseat they may be liable to break in and see what they can get.  Always make sure you hide truly expensive presents, and it may be best to drop them off at home before continuing your shopping adventure.

Be Careful What You Post On The Internet – This rings true for many reasons, but it is best to not risk educating thieves when you will be out of the house at a party and when you purchase a valuable and desirable present.  While you may trust all of your social media friends, you don’t know who their friends are that may also see your posts.  It is always best practice to not brag about valuable objects or money on social media and it is best to not give a thief a timeline of when you will be away from home.

A few small precautions will help protect your home and car from theft this holiday season.  Be smart about your home and your guests and you will certainly have a safe and happy holiday.  If you are looking for a great rate on quality home or car insurance, call the experts at ABCO Insurance Agency today! We can help you protect your property all year round.

Learn more about Homeowners Insurance HERE.

Enjoy Your Fireplace This Winter By Keeping It Clean And Avoiding Potential Home Hazards

Colder weather and holiday gatherings mean that it may be time to enjoy your fireplace.  While a fireplace can add warmth and atmosphere to your home, it can also be highly dangerous if you do not keep it clean.  Wondering what can happen if you have a dirty fireplace?  Hazards can include:

Creosote Fires – Creosote builds up on your fireplace walls every time you build a fire.  It is highly combustible and can cause sudden bursts of flames within your chimney.  This can cause a fire in your home, so it is important to have your fireplace cleaned regularly to avoid creosote buildup to help avoid a house fire.

Smoke Danger – If you do not open up your flue, you can let dangerous smoke into your home.  This can cause smoke damage to walls, fabrics, and belongings, as well as health hazards to you and your family.  Always be aware of the fireplace flue, and always make sure you keep an eye on your fireplace when you have a fire burning.

Carbon Monoxide – With gas fireplaces, carbon monoxide can be a hazard.  Soot and creosote can create blockages that trap carbon monoxide.  Carbon Monoxide is extremely dangerous and is very hard to detect.  If you own a fireplace make sure you have a carbon monoxide detector nearby, and always make sure to keep your fireplace clean.

The National Fire Protection Agency suggests having your fireplace inspected and cleaned every year to make sure that it meets safety guidelines.  If you haven’t had your fireplace cleaned within the year, have an inspection done before the holidays.  You will be glad that you did.

For more home owners and insurance advice contact ABCO Insurance Agency today.  We can help you get a great rate on homeowners insurance.  Stay safe this winter and enjoy your home more with the peace of mind great insurance can offer. Call ABCO today!

 

Staying On Top Of Leaf Removal To Avoid Insurance Liability

Fall is a wonderful time of year filled with changing leaves, sweater weather, and fall flavored treats.  It also comes with leaf removal and cleanup.  For most, this isn’t their favorite part of the season, but it is important to be on top of your leaf removal efforts.  After all, leaves can be a major slip and fall hazard and can lead to an insurance nightmare if you aren’t careful.

Slip and Fall Hazards

While most don’t see fall leaves as particularly hazardous, they do become quite slippery when they are wet.  This can lead to slip and fall dangers on streets and sidewalks.  While you may not be liable for leaves in the street, you can be held liable if someone injures themselves on leaves on your sidewalk, driveway, or parking lot.  Because of this it is important to stay on top of leaf removal to keep others safe on your property.

Leaf Removal for Homeowners

If you are a home owner, you are most likely responsible for leaf removal on your driveway and sidewalk.  Depending on the amount of trees on your property, this can be a daunting task or fairly simple.  It is also important to be aware that leaves can cover other tripping hazards on your property, which is one more reason to keep your property clean.  A little bit of raking can go a long way to protect yourself from a lawsuit and liability insurance nightmare.

Leaf Removal for Businesses

If you are the owner of a storefront or business you may be responsible for leaf removal on your property.  Even if you are a renter whose landlord is responsible for cleanup, it is important to be aware of wet leaves that may be tracked into your building.  These can cause a patron to slip while in your business and can potentially render you liable.  Not sure who is responsible for your sidewalks and parking lots?  Talk to your landlord or township to find out.

Enjoy the fall while keeping others safe.  Stay on top of leaf removal on your property.  If you need homeowners or business insurance in NJ, look no further than ABCO Insurance Agency for help.  We can answer all of your insurance questions and can get you a great rate on insurance.  Call today for more information!

Life Insurance New Jersey – Protecting Yourself To Protect Your Loved Ones

When it comes to life insurance, it is all about protecting the people you care for in the event that the unthinkable should happen.  Nobody wants to think about a day when they can’t protect the people they love, but it is important to make sure that should this ever be an issue your loved ones will be covered.  What should you consider when it comes to life insurance?

Do You Have Children You Take Care Of?

Young children require shelter, food, and care, and it is important to make sure that they are covered should anything happen to you.  A good life insurance policy will offer your family money to help cover expenses once covered by your paycheck.  It is peace of mind to know your children will be taken care of should you not be able to any more.

Are You Taking Care Of A Spouse Or Other Relatives?

The loss of your income could be devastating to an elderly, non-working parent or relative, or to a non-working spouse.  To help them make do without your income, life insurance is imperative.  It ensures that these people are taken care of should something happen to you.

Covering Large Expenses For Your Loved Ones

Even if the members of your household are working adults, there may be expenses that they are not prepared to take on that you leave behind.  Car payments, house payments, credit card debt, and more can be left as a burden to your family.  Life insurance will offer them something to help pay down these debts.

The fact of the matter is, if you have people depending on you, you need life insurance.  ABCO Insurance Agency can help you compare rates to find a fantastic policy.  Call us today for a rate quote from up to 25 different companies.

Life Insurance New Jersey – Learn more HERE.

What Does Restaurant Liability Insurance Cost? Factors That Determine Your Rate

How much does restaurant liability insurance cost?  When it comes to insuring your restaurant, there are a lot of factors that determine just how much insurance you will need and how much that insurance will cost.  Liability is just one type of insurance available that all restaurants should have.  It is the most basic form of insurance, and is very standard for most business and home policies.

Restaurant Liability

When it comes to restaurant liability insurance, a general liability policy will cover the basics that you would expect from any basic insurance policy.  It covers costs if anyone should injure themselves in your restaurant that may result in a lawsuit or insurance claim.  For restaurants this can include everything from slipping on a wet floor, to burns from a hot coffee spill, to food poisoning.  The reality is, though, that restaurant liability insurance is rarely enough.  You will need much more than just restaurant liability to cover your business properly.

Other Restaurant Insurance

Restaurants often need a lot of insurance to cover a lot of different circumstances.  Restaurants and bars that serve alcohol, for example, need extra insurance coverage should a person who drank on their property injure themselves or others.  If you have employees at your restaurant, and many restaurants do, you are likely to need a workers compensation policy should an employee get injured on the job.  Furthermore you may want a policy to cover your business should a disaster prevent you from serving customers for an extended period of time.  Should storm damage or a fire shut you down for a significant period of time, this policy can help cover loss of income and more.

Determining Insurance Cost

Because there are so many restaurant policies available, it is difficult to determine cost without assessing all policies a restaurant needs.  Combining policies can save money, and since most restaurants will want at least a few different policies that are available, the best way to get your rate is to figure out what you need for your restaurant and to compare policies.

At ABCO we can help you compare rates to save money.  If you are looking to insure your restaurant, call us today!  Our experienced staff will be happy to help you get a fantastic rate on your restaurant insurance policy.

Learn more about Restaurant Liability Insurance Cost HERE.

Car Insurance South Jersey – Steps Toward Getting A Better Rate

Every driver needs car insurance, and getting a great rate is a high priority for most.  Of course, there are simple steps any driver can take to help make a great rate possible.  Are you doing everything you can to get a good rate?  Here are some tips to getting car insurance in South Jersey.

Drive A Safe Car

The safer the car that you drive, the better insurance rate you will get.  Insurance companies like to feel secure that your car will be reliable and will keep you and your passengers safe.  While a flashy sports car may be enticing, it will almost certainly come with a higher insurance rate.  An easy way to save money is to drive a safe car.

Have A Clean Driving Record

The safer you drive, the better your rate will be.  Insurers like safe drivers who make smart decisions on the road.  A poor record means your insurance company is more likely to have to pay out due to an accident you caused.  Follow the rules of the road and you will benefit from your insurance policy.

Combine Policies

If you receive insurance from a company that does more than just car insurance, you can most likely combine your policies for a better rate.  Putting home, auto, and life insurance together as well as combining auto if you have more than one vehicle can save you money.

Compare Rates

Of course, to further ensure that you are getting a great price you can compare rates from a variety of insurers.  ABCO can help you do this by comparing rates for you.  Peace of mind will help you ensure that you are getting a great rate.

If you are in the market for car insurance in South Jersey, ABCO is here to help.  Contact one of our talented specialists today to talk about getting a great rate on your policy today!

Car Insurance South Jersey – Learn more HERE.

Finding The Best New Jersey Home Insurance Companies For You

Insurance is a necessity for all homeowners, but finding the right insurance for your home can be an extremely daunting task.  With so many companies to choose from, how can you know that you are getting the best insurance for the best price?  Wouldn’t it be nice to take the guess work out of it?  ABCO Insurance Agency can help.

We Compare Rates For You

Who better to walk you through the twists and turns of the insurance world than a professional agent?  While most insurance agencies only carry a handful of insurance companies, we broken for dozens.  Because of this we can get you quotes from 25 different companies in no time.  From there we can help you narrow down your options based on your needs.

Get Expert Advice On What You Need From Your Insurance

It can sometimes be a bit difficult to know how much insurance is right for you, but by talking to a professional agent you can gain important perspective on your policy.  They can help you find ways to save money and can guide you towards specific policy additions that may be better suited to your needs.  Insurance needs can differ based on the age of your property, how many buildings are on your property, swimming pools and outdoor equipment, and more.

Get New Jersey Home Insurance from the trusted team at ABCO Insurance Agency.  We can help you find your perfect policy and get you a variety of quotes.  Call us today for more information!

Learn more about the best New Jersey home insurance HERE.

Restaurant Liability Insurance – Keeping Your Restaurant Safe From A Variety Of Claims

When you own a restaurant you open your business to the public every day.  Even if you offer a safe and clean environment, accidents can happen.  Because of this, restaurant liability insurance was created.  This coverage is specifically tailored to restaurants and their most common claims.  Wondering what kind of coverage restaurant liability covers?  Here are the basics you should know:

Property Damage – While you might think that your patrons are more likely to cause damage to your property than the other way around, there are instances where you may damage their belongings.  For example, if a waiter or waitress trips and spills hot coffee on a patron’s laptop causing it to break you would be liable for replacing the laptop.  In a more extreme example, if your kitchen were to catch fire while patrons are in your restaurant and they lose belongings, you would be responsible for replacing their things.

Bodily Injury – If a patron is injured in your restaurant, this coverage will cover their claim.  Injuries can range from tripping on a step and falling, to food poisoning from their meal, to having a hot beverage spilled on them by a clumsy waiter.  Because there are many ways for a patron to injure themselves in your restaurant, this is extremely important coverage to have.

Medical Expenses – If one of your patrons or staff is injured resulting in medical bills or continued medical expenses you may be asked to pay out.  Since your regular coverage may not cover the full amount requested by the injured party, you can consider an umbrella policy that offers more coverage for medical expenses.  This coverage is recommended to ensure that you are covered for whatever comes down the line.

Liquor Liability – If your restaurant serves liquor it is important to carry coverage for claims related to it.  If you do not serve alcohol, it isn’t necessary for your business.  Liquor liability will offer you coverage should one of your patrons suffer an injury in an impaired state or should they cause an injury to another due to their impairment.  This can include everything starting a fight with another patron or employee to drunk driving.  It is important to keep tabs on all drinking patrons to avoid issues like these, but it is imperative to have coverage for your restaurant if you serve liquor just in case.

Personal and Advertising Injuries – You might not think you can cause an injury with your ad campaign, but competitors can file a claim against you if they feel you are attacking their restaurant or are falsely advertising your business.  This can include ads that attack other restaurants, ads that refer to your restaurant as “the best” without backing, leaving false negative reviews online, and more.  Ideally you won’t attack your competition, but should they ever see your ad campaign as damaging to their business they can take you to court.  This coverage will cover legal fees and expenses related to the claim.

When you need restaurant liability insurance in NJ look no further than ABCO Insurance Agency.  We can get you more than 25 quotes to save you time and money.  Call today to talk to one of our friendly representatives.

Learn more about Restaurant Liability Insurance HERE.