Three Reasons Your Small, Family-Owned Enterprise Needs Business Insurance

Business Insurance-revBusiness Insurance

Owning and operating a business comes with a great deal of responsibility, however, the rewards can be extraordinary. Entrepreneurs work hard to bring their ideas to fruition, and they must protect their investments to assure they continue to grow and prosper.Business insurance helps small business owners protect against damage and losses to property and vehicles, as well as helping to insulate against lawsuits.

Protect Your Property

Your business’s building, equipment, fixtures, tools and inventory are all considered assets. As such, they carry a great deal of value in terms of determining the worth of your company. They are also vital to your daily operations, and without them, you’ll be effectively out of business. A property insurance policy not only covers these important assets, it may also protect against equipment breakdowns and other issues, depending upon the specific clauses written into the policy. It’s wise to review your coverage with your agent to be sure that you’re sufficiently covered for property losses and damages on an annual basis.

Business Vehicle Protection

While it may seem easier to use your personal vehicle to run errands and perform other duties for your business, it’s not a great idea. If your business needs access to a vehicle on a regular basis, it is advisable to obtain a business vehicle insurance policy. This type of coverage protects your business against liability arising from an accident involving one of your company vehicles. Business insurance policies of this type can cover one vehicle, or an entire fleet and allows for multiple drivers to be covered at once. Business vehicle policies vary in their coverage, terms and cost.

Protect Against Lawsuits

Working hard to keep everyone safe within your building is not enough, it’s also a wise idea to obtain liability insurance to protect against lawsuits. There are three types of liability insurance available to small businesses; general liability, product liability and professional liability. For most businesses, general liability is adequate, however, those that create products should also consider product liability insurance. Professional liability, such as malpractice insurance for doctors, is used less often by smaller entities.

As a business owner, you have a great deal on your mind every day, and you don’t need anything more to worry about. Take the time to evaluate your business insurance coverage to determine whether you’re adequately protected against loss, damage and litigation. While you may never need to make a claim, you’ll certainly rest easier knowing your business is fully protected and safe.

Safety Tips: Keeping Your Teens Safe When they Play Pokemon Go Home Safety Tips

With millions of people taking part in the Pokemon Go phenomenon, and the game being especially popular among teenagers, it’s likely your own teens have already downloaded the game and started collecting Pokemon. Playing Pokemon Go can actually be great for teenagers since it encourages them to spend time outside, get exercise, and socialize in healthy ways. There are, however, a few safety tips to keep in mind:

Set Boundaries Regarding Where They Are Allowed to Play

If a teen isn’t allowed to wander into a sketchy part of town, go to the park at night, or enter an abandoned building during normal life, they shouldn’t be allowed to do any of these things while playing Pokemon Go either. Teens often respond best to clear, specific boundaries so it may be helpful to sit them down and discuss exactly where they are allowed to play and under what circumstances.

Encourage Them to Play with Friends

One of the best things about Pokemon Go is that it is a social game, with players joining local teams and working together. In addition to being more fun, playing with friends will keep your teens safer since they won’t be wandering around the neighborhood alone. Talk to your teen’s friends too, and remind them that if someone at a Pokemon stop seems suspicious or gives them a bad feeling, that they should come home instead of interacting further or following them anywhere.

Emphasize that Playing While Biking or Driving is NOT Allowed

Believe it or not, some Pokemon Go players have attempted to catch Pokemon while riding bikes or even driving cars. This is just asking for a dangerous, possibly life-threatening accident to happen. Emphasize that being distracted while riding a bike or driving a car is never okay, and that they are to keep their phones put away while biking or driving.

As you can see, it is possible to let your teens enjoy Pokemon Go without sacrificing their safety. For more helpful tips, be sure to keep checking our blog.

Back-to-School: 5 Driving Safety Tips to Remember on Hectic School Days

Blog-Back-To-School-TipsDriving Tips (Safety)

Back-to-school time is right around the corner, and we all know life gets more hectic at this time of the year. We trade in the lazy summer days for days packed with school, work, clubs, sports, and all kinds of craziness. We have to be in ten places at once and there never seem to be enough hours in the day. In all the insanity, it’s easy to lose our focus on the road. Check out a few driving safety tips to keep in mind when getting back into that school year schedule:

1. Keep your eyes open for pedestrians. During the school year, there is a significant increase in foot traffic. Pay close attention to pedestrians, especially young children–kids don’t always check both ways before crossing the street. Keep an eye out for crossing guards trying to stop traffic for pedestrians, and never stop in a crosswalk. If you are stopped in the crosswalk, this means children have to walk around your car and into traffic just to get by.

2. Share the road with buses. Although it can be irritating to be stuck behind a school bus when you are late for work, it is important to drive safely and follow rules when behind a bus. Never pass a school bus, especially when the bus is stopped to pick up or drop off children. When a school bus begins to flash yellow or red lights and extend the stop arm, traffic must stop. Stop at least 10 feet behind the school bus to allow children to enter and exit safely. Driving near a school bus requires extra attention, as children are unpredictable and may unwittingly put themselves in danger.

3. Watch out for bicyclists. In addition to increased foot traffic, many children ride bikes to school. Always leave 3 feet between you and a bicyclist when passing, and wait for approaching bicyclists to pass before turning or driving through an intersection. Children often forget to look or signal when turning on their bicycles, so you must be attentive when driving near bicyclists, especially in school zones and residential areas.

4. Follow school drop-off procedures. Every school has their own unique drop-off procedure, and these procedures were developed to keep students safe while maintaining a steady flow of traffic. Even if you are in a rush, it is imperative that you follow your school’s specific procedures. Don’t double park, don’t try to drive around the drop-off line, and don’t drive the wrong way in the parking lot. If school drop-off is often rushed and difficult for you, think about carpooling to cut down on the days you spend in the drop-off line.

5. Be aware of school zones. School zones have reduced speed limits in place for everyone’s safety. Become familiar with the school zones in your area and abide by the speed limits. As we have mentioned earlier, children are not always careful when crossing streets and may step out in front of traffic. If you are following the posted speed limits, you will have time to stop before any accident occurs.

We all understand how hectic life gets when the school year starts up after a long summer. No matter how late or frazzled you become, it is important to remain alert while driving and adhere to specific laws and rules relating to pedestrians, buses, bicycles, and school zones. Please feel free to contact us for more driving safety tips.

Farm Equipment Safety Tips for Your WV Farm

Accidents are preventable and prevention starts with you. Below are four farm equipment safety tips for your farm.


Clean Up


When you use a combine, it is a good idea to clean up any fuel you might have spilled before you turn on the engine. It is also important to use a pressure washer to wash away oil as well as any other debris from the combine because when grease stays on this type of machinery too long it can cause fires. After you finish using the machine, clean the combine to decrease the likelihood of leftover crops.


Check For Problems


Problems can pop up quickly, so you should check your combine, tractor, and other farm vehicles to ensure you do not need to fix anything. The parts that you need to check are the tires, suspension system, road signals, vehicle lights including headlights, hydraulic lift cylinders and reflectors on the outside of the vehicle.


Repair Any Problems


Checking your vehicle is the first part of preventing accidents but fixing those problems is the second part. Your suspension system, the connections for your trailer’s brakes, hydraulic lift cylinders and parking break need immediate repair. You also need to fix worn belts and bearings to prevent a fire.


Stay Alert


When you are working on your truck or operating it, you need to stay alert to stay safe. When you drive your truck, make sure you keep a good distance from other vehicles. Trucks need more time to stop, move between lanes, and steer. You also need to take caution when you fill trucks because it can become dangerous if the truck’s load is too large. The load needs to comply with the weight requirement for the Gross Vehicle Weight, which drivers can find inside the door of the driver’s side.


The ground should be level or the truck may tip. Other ways you can avoid tipping is to not dump when it is windy, make sure the load is not off balance, and if you use a trailer, do not jack knife it.


In addition to these tips, you should stay away from power lines when you are driving a dump trailer or truck. When power lines come in contact with the vehicle, it can electrocute the driver.


Call or contact Yeager Insurance at 304-757-5964 for more information and to receive a free quote on Farm and Ranch Insurance.  Providing Farm and Ranch Insurance to all of WV, including Hurricane, Winfield, Barboursville, Huntington, and Charleston, WV.

What is an Umbrella Policy and Why Do I Need One?

Have you heard of an umbrella policy?


You can gain extra peace of mind with an umbrella policy. What an umbrella policy does is provide you with extra liability protection.


This can be a very important insurance policy to have, because it will cover you for liability beyond the limits of any personal insurance policies you may have, such as auto and home.


It’s more common than you may think to be sued for car accidents and accidents that happen in your home and on your property. Many people are shocked to find they are being sued for a million dollars or more due to events that they may not even be directly responsible for.


Consider some situations that may lead to being sued beyond the limits of any insurance policies you may have:


  • You’re at fault in a car accident. The legally mandated state minimum for auto insurance that you have is not enough in liability coverage to pay for extensive car repairs or replacement for the other driver, as well as the medical bills of any occupants.


  • You make a right turn in your car, not even seeing the pedestrian that suffers severe and disabling injuries.


  • Your next door neighbor’s child is playing ball in the yard next to yours. A chain link fence separates the two yards. The ball goes over your three to four foot fence. The child tries to retrieve it by coming in the entrance, but you have it locked. The child then decides to climb over your spiked fence to retrieve the ball and gets seriously injured. Among the injuries possible are falling while foot stuck in fence and breaking a bone, slicing an arm or leg open, and/or becoming impaled on the spikes.


  • Your neighbor’s child or pet runs onto your unfenced property, unaware that you are trying to trap a nuisance animal and gets seriously injured.


  • You have a fenced in yard and even a sign that says beware of dog, but a door-to-door frozen meat salesmen or a child selling cookies ignores it and gets mauled by your dog.


  • You’re hosting an after dark party and your neighbor takes the shortcut to her home when it’s time to leave. The shortcut just happens to be on the dark side of your house through some privacy trees, and steps into a huge unexpected hole in your yard, breaking her leg.


  • You didn’t have your icy sidewalk cleared and someone slips and falls.


Does your policy cover you for $800,000 if someone slips and falls on your sidewalk or $3,000,000 to cover the pedestrian?


In addition to providing liability coverage for when you’ve reached your home and auto limit, an umbrella policy can also protect you in other ways. For instance, if there is a fire in your home and your homeowners policy doesn’t cover the massive quantity of product marketing merchandise you have stored in your garage for your client, an umbrella policy may cover your liability.


Umbrella policies can also provide liability coverage for your boat and rental properties, as well as cover loss assessments.


Contact Yeager Insurance at 304-757-5964 to protect yourself financially from liability beyond what your home and auto coverage limits. Ask us about an umbrella policy today!

A Look at Risky Teenage Driving Behavior

Most everyone knows that teenage drivers are the most expensive to insure. There’s a reason for that and it’s that teens engage in more risky driving behavior than any other group.

As parents, there is something you can do to help. Talk to your teens about risky teenage driving behavior. Even if it seems like they are not listening, they are, and it’s worth taking the time to talk about.

Here’s what to talk about:

  1. Passengers

It’s a well known fact that teenage risky driving behavior is kept in check when parents and other adults are in the passenger seat. It’s only when other teenagers are in the passenger seat that risky driving increases. This is due to both peer pressure to speed, drink while driving, etc and wanting to impress friends with risky behavior. Combine peer pressure and the desire to impress with a lack of experience and it’s a dangerous combination. Many parents combat this by limiting or refusing to allow their teenage drivers to have friends in the car and it makes sense because with each additional teen in the car, the risk of an accident occurring is significantly higher.

1 teen passenger in the car is 30% higher

2 teens is 69% higher

3 teens is 120% higher

4 teens is 186% higher

So, if you have one teen driver and four teen passengers, the driver is 186% more likely to have an accident.

  1. Drunk Driving

Car crashes are the leading cause of death for teenagers. Not only that, but the amount of car crash fatalities for teens exceeds all the other leading causes of death combined. Fatal crashes involving underage drinking make up almost 20% of all fatal crashes involving alcohol. Drunk driving destroys a lot of families every year, and not just for the drunk driver and their passengers, but also for fatal crashes involving two or more vehicles.

  1. Distracted Driving

There are many different types of distracted driving that teenagers engage in, such as “fooling around”, goofing around, texting, arguing, making calls, and focusing more on talking than on driving.

In many states including WV, not only is texting and making calls dangerous, it is also illegal.

  1. Seat Belts

Many teens do not wear seat belts. This is for a variety of reasons, such as rebellion, looking cool to their friends, and unfortunately for some, because it was never enforced by their parents. The use of seat belts drastically reduce the risk of fatalities in vehicle crashes.

In addition to talking to your teen about the effects of passengers on risky behavior, drunk driving, distracted driving, and seat belts, perhaps the best thing you can do to influence the driving behavior of your teen, is to be a good role model yourself. That means that you avoid speeding, drunk driving, texting and talking on your cell phone, and other distractions. It also means you always wear your seat belt and enforce the rule for passengers.

Contact Yeager Insurance today to see how we can help with your families car insurance needs at 304-757-3900 or request a Free Quote now.

What is your plan for long-term care?

It’s an ugly conversation. The discussion of late-in-life health problems, assisted living, and even the faintest possibility of nursing care shuts so many of us down that one study reveals 93% of American households never talk about long-term care.

Consider that for a moment. Almost every family has at least one member in skilled or nursing care. Almost 70% of Americans will personally experience their own long-term care event with an average length of 2.3 years. The federal government’s single largest expenditure for Medicaid is long-term nursing care for the poor and elderly, and costs for mediocre care could approach six digits within a generation. Yet almost no one spends as much time planning for long-term care as it takes to read this short blog entry.

Unfortunately, most are destined for Medicaid as their only hope. Since few think of government control over their finances and medical decisions as a desirable solution, what other help for long-term care is there? Competition and experience in underwriting has made long-term care health insurance more affordable, yet new developments allow families to plan for the worse without devoting hundreds of dollars each month to premium. Savvy companies like TransAmerica offer affordable insurance policies with living benefits, accessible to clients with declining health so they can afford care or want to ensure they enjoy the time they have left with family. New developments in fixed-indexed annuities allow mature adults to build money for retirement with provisions specifically intended to fund better long-term care planning than they could previously afford.

If you haven’t made a long-term care plan yet, your current plan is to spend down your estate until Medicaid takes over. This leaves you with little control over your finances and decision-making. If you’d like a better plan, reach out to an experienced agent at Yeager Insurance and ask what approach might be more suitable for you.

WHO Says: Say No To Tobacco!

We are fairly certain you’ve heard this before: Tobacco is a leading cause of death and illness around the world, killing nearly 6 million people a year—5 million of whom are direct tobacco users and more than 600,000 are those exposed to second-hand smoke. This is precisely the reason why the World Health Organization (WHO) finds the need to highlight the health risks related to tobacco use and advocate for effective policies to greatly reduce tobacco consumption worldwide. Every year, they’ve marked a date for the World No Tobacco Day movement, and it happens every 31st of May.
Yeager Insurance joins WHO in their advocacy, and wish to help educate everyone about tobacco and its harmful effects to one’s health. Did you know that tobacco use caused 100 million deaths in the 20th century, and may cause about one billion deaths in the 21st? There are a lot more information you might not have heard. Take a look:


○ Heart disease (coronary artery disease, increased risk of heart attack and stroke)
○ Cancer (lungs, larynx, pharynx, oesophagus, liver, etc.)
○ Emphysema
○ Bronchitis
○ Chronic airway obstruction


○ 5 million deaths per year, worldwide; projected to rise to an annual 8 million deaths by 2030 according to current trends

○ In the United States, smoking is held responsible for one in five deaths (resulting to about 443,000 deaths per year, 49,000 of which result from second-hand exposure)

○ On average, smokers die 13 to 14 years earlier than nonsmokers

If you are a smoker who wants to quit or know of someone who does, how do you begin? Lots of research has been done with this objective in mind, resulting in a lot of products and programs that promise to help one kick the habit, most of them readily available to the public. Reader’s Digest has published a helpful article on the subject that you might want to read and ponder. Help keep the world smoke-free! Happy World No Tobacco Day!

Yeager Insurance & Financial Services is an independent insurance and financial services agency serving West Virginia. To learn more about how we can serve your insurance and financial needs, please contact us at (304) 757-3900. You may also use this site to submit requests for insurance quotes 24 hours a day, 7 days a week.

7 StepsTo Keep Your Pool Safe And Clean

If your indoor pool is only frequently used by members of your family, should you still clean it regularly?

The answer is YES. Pools are open water systems that are exposed to different elements such as rain, debris, insects, fallen leaves—some of which can eventually decompose and attract bacteria. Did you know that waterborne illnesses like cholera, gastroenteritis and typhoid are most commonly spread through pool water?

We at Yeager Insurance believe that “Health is Wealth,” and we want you to protect your family’s wealth by taking initiative. In this case, take it upon yourself to maintain the safety and cleanliness of your home’s indoor pool. Let us offer you these 7 steps to make sure your family is safe the next time they take a plunge!

ONE: Remove any and all debris.
Use a skimmer to skim all floating debris from the water and dispose the waste to prevent it from getting blown back into the water. Should there be trees/vegetation nearby that shed leaves and flowers into the pool, try trimming them from time to time.

TWO: Set up the vacuum.
Reach for the nozzles of the return jets on the sides of the pool and direct them downwards. Connect the vacuum to the hose and prop up the pole so that the vacuum head is suspended over the water. Use one of the jet nozzles to fill the hose end until water pours out of the vacuum. When full, dip the vacuum head and clamp a hand over the hose until you are able to connect it at the skimmer.

THREE. Proceed with vacuuming the pool.
Move the vacuum slowly across the water (pretty much like you operate a lawn mower) in overlapping parallel lines. Brush any algae off the sides of the pool with a nylon brush on the vacuum pole. You can use a stainless steel brush for concrete surfaces.

FOUR: Adjust and correct chemicals.
Make it a point to test and correct pool chemicals every week if possible. Use muriatic acid to adjust pH if it’s above 7.6, or soda ash product it it’s under 7.4. Should the chlorine be below 1 part per million (ppm) or alkalinity be less than 90ppm, “shock” the water by dissolving chorine and alkalinity increaser like baking soda in a bucket of water and toss it in.

FIVE: Backwash the filter.
Redirect the waterflow by turning the filter valve to backwash, and wait for the filter to collect all the dirt it can manage. Remember to empty the filter every other week, and replace every few years.

SIX: Clean the filter.
Shut the system off and close the skimmer valve in front of the pump to hold the water in place—do this so that you won’t have to reprime when it starts up again. Afterward, unscrew the trap’s cover and empty the basket into a garbage bin.

SEVEN: Add chlorine to the system.
The chlorinator is a tubelike tank next to the filter and you can use it to introduce chlorine in the form of slow-dissolving sticks into the pool. Read the packaging and calculate the number of chlorine sticks you would need for your pool, based on the water volume.

Are these 7 steps too complicated for you? Of course there is always the option to have your pool regularly cleaned and maintained by professional pool cleaners. The most important thing to note is that keeping your indoor pool maintained well will help you and your family avoid harmful diseases in the long run. So keep that pool safe and clean, and get through the summer months swimmingly!

Yeager Insurance & Financial Services is an independent insurance and financial services agency serving West Virginia. To learn more about how we can serve your insurance and financial needs, please contact us at (304) 757-3900. You may also use this site to submit requests for insurance quotes 24 hours a day, 7 days a week.

National Employee Health and Fitness Day

Is It Possible To Keep Fit At The Workplace?

The National Employee Health and Fitness Day—established in 1989 and celebrated every third Wednesday of May—is a national health observance which was created to promote the benefits and advantages of physical activity in the workplace. In this day and age, employees experience higher stress levels and the sad fact is that as stress levels increase, health levels decrease. This is the main reason why Worksite Health Promotion, or programs encouraging employees to pay attention to both their physical and mental health, has continued to become popular among companies.

Yeager Insurance is expanding into the St. Albans area soon, and we understand the importance of workplace health.  As we grow to provide insurance to Putnam County and now Kanawha County in West Virginia, we realize the people in our company need the opportunity to stay healthy and mobile.

As an employer, what do you do to help keep your employees healthy? Here are some ideas:

Facility Installation — Should your company have an ample budget for it, provide your employees with on-site facilities for physical activities (i.e., a small gym or game room).

Work Hour Flexibility — In conjunction with the first item, allow your employees to take breaks and participate in physical activities.

Promote, Promote, Promote! — Encourage your employees to engage in physical activity such as walking or riding a bicycle to work, or taking the stairs as opposed to riding the elevators. It’s also suggested you offer certain services such as bicycle storage and shower/changing facilities.

As an employee, do you find there’s not enough time in the day to be physically active because of your work schedule? Try these:

The Daily Commute — If you’re living nearby and can afford to walk or ride a bicycle to the office, then by all means do so! Burn some more calories and keep yourself limber by taking the stairs every once in a while.

Fitness Breaks — Instead of leaving your workdesk to hang out at the lounge with a snack, use your break to do a little brisk walking or some gentle stretching. Keeping fitness equipment (i.e., small hand weights or stretchy cords) nearby will allow you to utilize them between tasks.

Get Co-Workers To Join You — Get a group of co-workers you could talk into taking lunchtime walks, and hold each other accountable for exercising regularly. You can even forge new friendships this way!

Do remember that commemorating National Employee Health and Fitness Day just once a year doesn’t mean you should only mind your (and your employees’) healths for a single day. There is, after all, that saying that goes “Health is Wealth,” and you want to be wealthy for the rest of your life!

Happy National Employee Health and Fitness Day!

Yeager Insurance & Financial Services is an independent insurance and financial services agency serving West Virginia. To learn more about how we can serve your insurance and financial needs, please contact us at (304) 757-3900. You may also use this site to submit requests for insurance quotes 24 hours a day, 7 days a week.