Tag Archives: coverage

“Does My Homeowners Insurance Cover That?”

If you have homeowners insurance, you know that you’re covered in the event of fire damage or if you encounter a few sticky finger thieves. Now that the holidays are right around the corner and more people will be visiting your home, it’s time to cover three potential scenarios that may happen to you this holiday season and the likely coverage that each one has:

The Thirsty College Student

Every happy holiday party has three essentials: festive lights, sweets, and a large punchbowl of spiked egg nog. Your brother’s son, a recent college freshman on winter break, dunks his moose shaped mug into the punchbowl – once…twice…three times more. As the party ends, he gets into his car, backs down your driveway and injures one of the other guests. The guest turns around and sues you.In this situation, be very careful about serving alcohol at your house.  Some carriers are excluding coverage for Host Liquor Liability.  This means that you as the homeowner, will have to defend yourself in court.  So take the time to call your agent and confirm the language within your policy before throwing that big Holiday Celebration!!

The Brightest House on the Block

You just finished watching Christmas Vacation and you turn to your wife and say, “honey, I’m going to make our house the brightest house on the block!” She rolls her eyes and you start planning the masterpiece. Two weekends pass, and you’re on the last few strands. As you reach to staple the final light you slip off the ladder and fracture your arm. Your homeowner’s policy will not cover injuries to you, only injuries to others. This accent will fall under your health insurance coverage.

Black Friday Madness

You’ve never missed a deal on black Friday and this year wasn’t going to be your first. Your daughter asked for the new what-cha-ma-call-it and she HAS to have it. The morning of Black Friday, you turn the corner of aisle 12 and see two what-cha-ma-call-its remaining on the shelf. You don’t remember throwing an elbow and breaking the person’s wrist as you clawed to grabbed for the remaining two, but witnesses claimed otherwise. Now you’re being sued. This may be considered as an intentional act and may not be covered.

As the holiday season continues to strengthen, remember to review your policy. Give us a call and we’ll gladly let you know the nuances of your coverage.

Cyber Liability Insurance: Are you Covered in the Event of a Cyber Attack?

What do Kmart, American Express, Target, Home Depot, and eBay, have in common? They are all part of massive data breaches where hackers stole and exposed customer records for monetary gain. The frequency of these cyber-attacks has increased year over year which has put Cyber Liability Insurance in the spotlight.

Odds are that if you’re reading this post, you most likely have a LinkedIn account. In May of this year, hackers stole 167 million (yes, you read that right) accounts from the social media giant. This left Cory Scott, LinkedIn’s Chief Information Security Officer, with a logistical nightmare trying to sort out the mess.

In addition to LinkedIn, Target was unfortunately struck by a similar breach. 40 million credit cards were compromised and 70 million accounts were hacked.

Cyber_Liability_Insurance_Chase_Clarke_Stewart_&_Fontana

Yes these are global brands, but small businesses also see breaches on a consistent basis — really any company that relies upon technology is vulnerable to an attack.

If your business is hacked, having Cyber Liability Insurance can greatly help you through this tough time. In this post, we’ll quickly explain the scope of a cyber policy and how it can help you in the event of a hack.

What Cyber Liability Insurance Covers

Cyber Liability Insurance is a combination of four components:

  • Errors and Omissions
  • Media Liability
  • Network Security
  • Privacy

Errors and Omissions: E&O covers claims arising from errors in the performance of your services. This can include technology services, like software and consulting, or more traditional professional services like lawyers, doctors, architects, and engineers.

Media Liability: These are advertising injury claims such as infringement of intellectual property, copyright/trademark infringement and libel and slander. Coverage here can extend to offline content as well.

Network Security: A failure of network security can lead to many different exposures, including a consumer data breach, destruction of data, virus transmission and cyber extortion. Network security coverage can also apply if you’re holding trade secrets or patent applications for a client, and that information is exposed due to a failure of your security.

Privacy: Privacy doesn’t have to involve a network security failure. It can be a breach of physical records, such as files tossed in a dumpster, or human errors such as a lost laptop, or sending a file full of customer account information to the wrong email address. Companies have also faced liability from returning a photocopier with a hard drive that contained customer tax records.

As the holiday season approaches and online sales increase, we at Chase Clarke Stewart & Fontana, recommend that businesses, large and small, make sure they know if they’re covered in the event of a hack. Fill out the form or give us a call at 1.413.788.4531 to talk to a friendly representative.

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Energy Assessments for the Fall season

Did you feel that cool crisp air? Fall is in the air, so it’s finally sweater weather! Time for apples, pumpkins, the Big E and more fall fun!

This is also a good time to discuss your home heating habits and how you can save money during this fall and winter season! Saving money on your heating bill is always a good thing.energy assessments

Have you considered having energy assessments done by an energy auditor?

These trained professionals will help find leaks and determine if your heating units are running well.  Leaks can cost you a lot of money when you are trying to heat your home.

Click here for more information on Energy Audits

 

Once you have had the assessment, the auditor will usually tell you what needs to be done to fix any issues.

Common recommendations include…

Windows

  • Replace them with updated energy efficient products.
  • Apply weather stripping to seal leaks.

Heating Systems

  • Annual servicing by a professional.
  • Check filter for cleanliness. A clean filter helps the unit run better, longer.

 

We know how important your home is to you.  Your local agent is here to assist you with questions about your coverage options.

 

Airbag Recall Coverage

Did you hear about the recent airbag recall?

There has been a lot of talk in the news lately about serious recalls.  For example there is a case of  an airbag recall.  Some insurance companies are even going so far as to extend auto coverage to rental cars or other replacement vehicles while their client’s car is being fixed for airbag recall repairs. They are extending airbag recallbeyond the 30 day period that is typically the limit for coverage to be extended.  Coverage will be extended for a set amount of time.

When the repairs are happening the defective vehicle must remain:

  1. Registered.
  2. Insured.
  3. Out of use.

Have you received a notice for a vehicle recall?    Sometimes we get so busy that we forget to follow up with recalls.  If you received a recall notice please don’t delay in responding to it.  Many insurance companies are trying to encourage their clients to follow through on recalls.  They recognize that recalls are serious and they may be willing to assist while you wait for the repair.

Call your local independent insurance agency for answers to further questions

Did you know there is a website that you can visit to look for the latest vehicle recalls?

 

Tiny House- Are you covered?

Have you heard of this new Tiny House Trend?  How do these tiny homes interact with your insurance coverage?

Tiny House and Your Policy

The “Tiny House” is a new trend encouraging people to simplify their lives and reflect on how much space is reallytiny house needed to live.  Usually these homes are a maximum of 400 square feet. Some are built on trailers while others are fixed to a permanent foundation.  Insurance companies are working on how best to provide coverage for these new houses.

We are finding that they are being broken down to two types of coverage.

  1. Dwelling Fire or Speciality Homeowners policy.
    • If the structure is attached to a permanent foundation.
  2. Travel Trailer policy.
    • If wheels are in tact.

In either case the house would need to be inspected and meet certain standards before it would be insured.

Contact your local agent to learn more.

Recreational Vehicle…Are you covered?

Summer is around the corner. Many people are getting their camper and or recreational vehicle ready for use this summer season.  Are you eager to get to the campground?  We are excited too! But there are some things to do before you go.  Have you checked to make sure you have the right coverage for your RV?  There may be gaps in your coverage…

Is your Recreational Vehicle covered?

recreational vehicle

 

If you say yes to any of the following, it could mean no:

  • I own a Camper
  • I own a Recreational Vehicle
  • I own a Trailer

 

If your Camper , RV or trailer is not listed on your current auto policy you may not have the coverage needed for your upcoming trip.

Contact your local agent to confirm coverage.

 

Winter Business Tips

Winter is here and in full force.  

Are you a business owner? Are you worried about the ill effects of winter weather on your business? Read the following winter business tips.

Cold temperatures can be hard on your business.  For example pipes are at risk of bursting during these periods of low temperatures.  What can you do to prevent this from happening? Below you will find business tips for surviving this winter.

Business Tips for:

Frozen Pipes

  • Keep building temps above 55 degrees fahrenheitbusiness tips
  • Remove wet insulation around pipes.
  • Wrap pipes in rags.
  • Run warm water over the pipes to raise the temperature.
  • Open faucets allowing water to circulate.
  • Read more by clicking the link for the PDF, below.

Roof Tips

  • Clear Heavy snow from roof, to prevent damage from the weight.
  • Unclog drains so they work properly.
  • Have heating system inspected by a professional before winter sets in.
  • Read more by clicking the link below.

Click Here for a PDF with more Tips

Regular maintenance and attention to your building can prevent small things from becoming real problems.

 

Frozen pipes burst and cause water damage… Are you covered? 

You have an Electric Bicycle… Are you covered?

Do you have an electric bicycle? Is it is covered by your Homeowners or Auto policy?

electric bicycle coverage

Safety First…

Then Listen Up…  Short answer is No.  Unfortunately, the electric bicycle falls into a class of its’ own.  These bikes have a motor and need a registration.  They would not have the same coverage options as a standard bicycle.  Certain carriers have made an endorsement for these, but they require you to have a Motorcycle policy.

This is similar to mopeds as well.  Now is the time to make sure you don’t have gaps in your coverage.

Ask your local agent today…

 

For More FAQ’s Click Here

Summer Pool Safety

Having a fun summer?  Hope so!  How does this sound… sunny day, not a cloud in the sky.  You are surrounded by family and friends in the backyard.  Kids are spalshing aound in the pool laughing and having the best time.  Sound good?  We think so too.

Pools are relaxing, refreshing and fun.  Pools are a great source of fun yet they can also present some dangers.  There are a few things to do so that everyone stays safe this summer.  Did you know there is a whole government sponsored website dedicated to pool safety?  Click here

Click here to watch a Pool safety video.  The video outlines 3 areas of pool safety..

  1. Safer water- there are various tools available to keep the pool a safe place.  Fences for example can keep children away from the pools while unsupervised.  Pool alarms can also help homeowners keep track of pool use.
  2. Safe Kids- Knowledge is power.  Teaching kids how to swim can help prevent drowning.  Supervision of children in and around the pool is a must.
  3. Safe response- Plan ahead.  Remember that in the event of drowning seconds count.  Learning CPR is something pool owners should strongly consider.

Have a safe and happy summer.

Do you own a pool?…contact us today to make sure you have the correct coverage…

A Bear crashes through your window… Are you covered?

 bear crashes

Answer: Yes, If a bear crashes through your window, your Homeowners policy will cover it, subject to your policy deductible.

But what if the bear crashes through the window and then comes in the house and damages your contents and personal property?  Under the standard Homeowners policy there would not be coverage, but if your policy includes “special personal property coverage”, you’re all set!

Animal damages not covered by home insurance.

Animals owned or kept by an insured are not covered by home insurance as well as vermin, rodents, insects and birds.  Descriptions below:

  • ver·min
  1. Various small animals or insects, such as rats or cockroaches, that are destructive, annoying, or injurious to health.
  2. Animals that prey on game, such as foxes or weasels.
  • ro·dent n.
  1. Any of various mammals of the order Rodentia, such as a mouse, rat, squirrel, or beaver, characterized by large incisors adapted for gnawing or nibbling.
  • in·sect
  1. Any of numerous usually small arthropod animals of the class Insecta, having an adult stage characterized by three pairs of legs and a body segmented into head, thorax, and abdomen and usually having two pairs of wings. Insects include the flies, crickets, mosquitoes, beetles, butterflies, and bees.
  2. Any of various similar arthropod animals, such as spiders, centipedes, or ticks.
  • bird
  1. Any of various warm-blooded, egg-laying, feathered vertebrates of the class Aves, having forelimbs modified to form wings.
  2. Such an animal hunted as game.
  3. Such an animal, especially a chicken or turkey, used as food

 

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