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Happy Holidays

Happy Holidays

It is the time of year when we all reflect on the past 365 days and look forward to the coming year. Hayes Brokers wishes all of our current and future clients a happy holiday season and a prosperous 2019.
Christmas Presents, Christmas Perils

Christmas Presents, Christmas Perils

Tis almost the season! With the holidays shortly upon us, we thought it would be a good idea to examine how the holidays might impact your homeowner’s insurance coverage. This season is a joyful one, but sometimes bad things happen. How will your current coverage respond? The Peril of Fire As seen in this classic scene from National Lampoon’s Christmas Vacation, Christmas trees are highly flammable: According to the National Fire Protection Association (NFPA) the likelihood of fire increases in December and January. A huge spike in home fires occurs in the 10 days after Christmas, when homeowners have stopped watering the tree regularly, and are more lax about turning the lights off. Electrical shorts from overloaded circuits near a source of kindling (a dried out Christmas tree) accounted for about 40% of Christmas tree fires. See more facts about Christmas tree fires here. The good news: your homeowner’s insurance will cover the peril of fire unless the fire was intentionally set (and 24% of them are). The Peril of Theft All types of theft increase during the holidays, including shoplifting. However, the worst kind of theft to experience at this time of year is the theft of holiday gifts. Christmas lights on the house, a brightly lit tree glowing in the window and no cars in the driveway are a beacon to thieves looking to cash in on some holiday spirit. This family was hit in 2013:  There are many ways to keep your home from being burglarized, including making sure the home looks occupied at all times, installing a security system, and keeping gifts out of sight...
Closed for the Holidays? Protect Your Business

Closed for the Holidays? Protect Your Business

Over the years it has become more common for businesses to close for days, weeks, even a full month around the holidays. This allows them to reduce costs during that time and also gives employees time with their families. Unfortunately, this can also be the time when a business is most vulnerable to burglary. Will you be closed for the holidays? Here are some tips for keeping your business safe during times when you are closed for business. Tips To Keep Your Business Safe Any business that appears to be closed is a potential target for thieves. Lack of foot or vehicle traffic in your area is a good indication that no one is around, but there are other ways to be sure that your business doesn’t stand out as a target. Remove holiday decorations prior to close of business on the last day. If you are still decorated for Christmas after the New Year, your business will stand out to anyone looking to break in. Make sure your alarm system is on. If you don’t have one, now is a good time to think about investing in one. Many insurance companies offer discounts on property insurance for businesses that have functioning, monitored alarm systems. Keep those video cameras rolling. Inside and outside video cameras should be kept on and recording even when you’re not in the office to catch thieves in the act. If you’ve been thinking about installing cameras, they may also come in handy for liability claims such as personal injury when you are open. Make those deposits. Aside from a small amount of petty cash,...