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Informative articles on insurance, safety and risk for you, your family or your business. Each article includes a link for you to share with anyone who may benefit.
Before winter strikes in Minnesota, most of us tuck away our summer clothes and bring out the sweaters, coats, and scarves that will keep our bodies cozy when there's a chill in the air. But how many of us take similar steps to prepare our homes for winter weather? Readying your home for winter, also known as "winterizing," will not only help you and your family to stay snug and warm while saving money on energy bills, but it may also protect your home from damage that can lead to costly repairs.
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The heat and humidity that tend to lurk around in the summer months around Minnesota create the perfect recipe for thunderstorms. Occurring either late in the afternoon after big black clouds slowly build up and rumble or springing up out of nowhere, they often come with high winds and heavy rains.
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Reality television has a way of glamorizing good, old fashioned outdoor work, with shows like "Extreme Loggers," "Deadliest Catch" and "Dirty Jobs." And although it can be hard to tear yourself away from these shows, we have to admit that part of the intrigue is the extreme dangers these people face every day on the job, especially compared to those of us sitting at a desk.
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In these cost-conscious days, everyone is trying to save money wherever and whenever they can. It seems that people may especially look to their insurance policies as a place to realize some savings.
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If you have a domestic employee, such as a gardener, housekeeper, or nanny, who drives his or her own auto while working for you, there is a potential for you to incur liability arising from their driving that would not be adequately insured. If your employee negligently causes an accident, you as the employer can be drawn into the lawsuit and held liable. Your employee’s own insurance, if any, will protect you up to its policy limits, but you are on your own after that. And your personal auto policy may not respond to cover the difference. The courts have ruled in different ways on these types of loss situations.
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