We have all heard of the “Nightmare Road Trip” – where everything that could go wrong, did go wrong. Chances are that much of the trouble could have been avoided through advance planning. If you’re planning to take to the road this summer, then make a list and check it more than twice to be sure you have a safe, checked-out vehicle, well-packed bags, safety items and all those travel comforts to keep your passengers stress free.
ErieSense.com says: “A week or two before the big day arrives, make a list of everything you need to do and pack (and be sure you leave enough room so you can see out of your rear-view mirror). Here are some ideas to help…”
Just as important as a visit to your auto shop for a check-up of your car is a visit to your insurance agent for a check-up of your Auto Insurance to be sure you are properly covered for any problem before you hit the road. And, if you’ll be traveling in a rented vehicle, special insurance issues apply. So be sure to discuss your plans with your insurance agent to get the proper protection.
Auto Insurance Tip
Tags: auto insurance, auto liability, car rental insurance
Here at Daniel Howley Insurance Agency, we are a full service insurance agency, offering auto/car insurance, homeowners insurance, business/commercial insurance and life insurance to Rockville MD, all of Maryland and Virginia. Our experienced insurance agents welcome the opportunity to discuss your coverage needs and questions at any time.
If you own a business, then you probably already know that states require that business owners take action if the nonpublic, personal information of their customers is lost or stolen. This is not something to be ignored, when you know that a recent study showed that 55% of small businesses surveyed stated they had experienced a business data breach. So have you taken steps to mitigate the damage in case your business is targeted?
ErieSense.com says: “The personal information of customers, employees and/or tenants entrusted to you is critical to the day-to-day functioning of your business… Whether it’s a misplaced computer, an improperly shredded document or a hacked database, business data can easily become exposed. If it does, a business data breach could occur.”
Read the entire article to learn what you should do to avoid a data breach.
Being ready before you suffer a data breach is the important first step. So ask your insurance agent about Commercial Insurance coverage and services that might be available to help you if/when private personal information of others in your care has been lost, stolen or inadvertently released. You might also wish to inquire about coverage that will help cover your company’s legal expenses in the event of a lawsuit related to a data breach.
Commercial Insurance Tip
Tags: commercial insurance, business insurance, data breach, data breach insurance
Here at Daniel Howley Insurance Agency, we are a full service insurance agency, offering auto/car insurance, homeowners insurance, business/commercial insurance and life insurance to Rockville MD, all of Maryland and Virginia. Our experienced insurance agents welcome the opportunity to discuss your coverage needs and questions at any time.
In addition to being a threat to your personal safety, lightning is responsible for devastating structure fires, deaths and hundreds of millions in damage expenses, as well. Do you know what time of day and month of the year most lightning occurs? It is worthwhile to know as much about this threat as you can so you are able to protect yourself and your family as well as your property.
ErieSense.com says: “From 2007 to 2011, local U.S. fire departments responded to an average of 22,600 fires per year that were started by lightning. These fires caused an average of nine civilian deaths and $451 million in direct property damage per year. Home fires accounted for 19 percent of the lightning fires.”
Read the entire article with video and infographic to find out what you need to know about lightning and lightning protection systems to minimize the chance of property damage from lightning strikes.
Home fires accounted for 19% of all lightning fires between 2007 and 2011. Related property damage, personal injury and death were also reported. Is your home insured for such damage? Because we never know when lightning will strike, it is wise to consider speaking with your insurance agent to find out if your Homeowners Insurance coverage is sufficient to protect your investment and cover your liability.
Homeowners Insurance Tip
Tags: homeowners insurance, lightning damage, fire insurance
Here at Daniel Howley Insurance Agency, we are a full service insurance agency, offering auto/car insurance, homeowners insurance, business/commercial insurance and life insurance to Rockville MD, all of Maryland and Virginia. Our experienced insurance agents welcome the opportunity to discuss your coverage needs and questions at any time.
Planning to participate in Take Your Kids to Work Day on April 24th?
It’s a great opportunity to show your child where you spend your working hours, but there are a few guidelines to make the experience worthwhile. If you are an employer, you’ll want to address compliance and insurance issues ahead of time. It might also be helpful to know the history of this special day.
From ErieSense.com: “It’s also a good idea to leave younger kids at home or at school. Though it depends on your child’s maturity level, age 12 is usually a good age to first bring a child into the workplace… make sure to check in with your child’s school well ahead of time regarding your plans.”
Read the entire article for a Take Your Kids to Work Day overview.
Hosting children on Take Your Kids to Work Day will typically be covered under a business owner’s general liability coverage and would likely not require any further special coverages. To be sure, consult with your insurance agent well in advance to confirm that the proper coverage is in place for your business.
Business/Commercial Insurance Tip
Tags: business insurance, commercial insurance, general liability, TYKTWD, workplace liability
Here at Daniel Howley Insurance Agency, we are a full service insurance agency, offering auto/car insurance, homeowners insurance, business/commercial insurance and life insurance to Rockville MD, all of Maryland and Virginia. Our experienced insurance agents welcome the opportunity to discuss your coverage needs and questions at any time.
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We are committed to keeping your auto insurance rates as low as possible while still providing the best coverage. |
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Homeowners insurance is your protection against loss resulting from home-related damage or disaster. |
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We help people like yourself fashion just the right life insurance policy to secure their future. |
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As a business person, you know the value of a good business insurance package designed especially to fit your company. |
Ph: 301-468-0191
Cell:(301) 399-1928
Fax: 301-468-1802
