One of the most frequently asked questions Gurry & Rogers gets in times like this current winter storm is:  “Should I make a claim on my policy?” This is not always an easy question to answer:  but, the guidelines  we use to help clients with the right advice are the following:

Keep in mind Insurance provides the protection we all need if things go severely wrong.  This is general advice.  Everyone’s circumstance is unique for a variety of different reasons. If you have claims questions, please contact us;  we will be glad to help you with the right advice.  

One of the most enjoyable traditions during the holidays is the office party….It makes us laugh just to think about some of the ones we at Gurry&Rogers have attended over the years.  However, being the insurance advisors that we are, we want every owner of every small business to be careful with the exposure of too much merry-making and too many guests driving in unsafe conditions.  There are plenty of good ways businesses can make sure that everyone is safe; one of the best solutions we have seen in the past is a small business that arranged a taxi service for employees.   Another business we know hired a van with a designated driver to transport everyone to and from the event site.   Use your imagination; there are lots of ways to be safe and have a good time.  Last but not least, make sure your business insurance and your personal umbrella protects you with “host liquor liability” protection with limits of no less than $1million. 

Stay safe when the temperatures drop and the roads get nasty.   Keep your employees, your  family members, and yourself safe during the upcoming winter months.  Be prepared and take 5 very easy precautions with your routine vehicle maintenance this season. 

1.     * Consider winter tires or all weather tires.

2.     * Make sure your car battery is in good shape.  Consider keeping jumper cables in your vehicles.

3.     * Keep your gas tank at least half full, especially on long trips and over the mountain passes.

4.     * Replace your windshield wipers.

5.     * Keep an emergency kit in your vehicles.

* Also, check your personal auto insurance policy and make sure you have towing coverage…Just in case!