11th Annual Trick-Or-Beat

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The Appalachian Power Park will serve as this year’s locale for the Charleston Trick-Or-Beat event. Hosted by 98.7 The Beat, the West Virginia Radio Corporation, and the West Virginia Power for its 11th year, Trick-Or-Beat will take place on Thursday October 27.

The purpose of the event is to provide a safe trick-or-treating environment for the youth of Charleston and to offer an opportunity for local business owners to network and take part in community outreach.

Children 12 years old and younger are encouraged to don their most creative costumes, collect candy and treats, and have some festive fun while ensuring their parents’ peace of mind. The evening will be split into two separate trick-or-treating sessions to accommodate busy family schedules. You can attend from 6-7pm or from 7:30-8:30pm. The best part is that admission is free! Tickets can be obtained at either the West Virginia Power or West Virginia Radio Corporation front office.

Local businesses are invited to donate candy or funds to contribute to the success of the event. There is also booth space available for companies who would like to set up displays and personally interact with the public. Appearing at this safety-exhibiting community event is a wonderful way to reach out to potential new customers and to retain an existing client-base.

Any questions regarding the Trick-Or-Beat should be referred to the West Virginia Power front office. Turn this yearly event into a memorable tradition by adding it to your family’s Halloween advent calendar and enjoy the secure fellowship of this West Virginian community.

Attention 21 Century Insurance Clients

Yeager Insurance welcomes any 21 Century Insurance clients to our agency.   21st Century is no longer writing insurance in the State of WV.  If you are currently insured by 21st Century, give us the opportunity to quote your insurance prior to the non-renewal of your policy.   At Yeager Insurance, we value your business and would like to help you through this process.

Give us a call at 304-757-3900 and ask for Jacque Cline.

General Liability Safety Tips for Homeowners

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Homeowners insurance addresses more than just providing protection in the event of a severe storm or damaging fire. It also gives protection to a homeowner when it comes to his or her general liability.

According to the Insurance Information Institute, “Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets.”

Please continue reading to learn a few safety tips that will keep a person’s home better protected from a liability standpoint.

Slip, Trips, and Falls

Slips, trips, and falls can lead to minor scrapes and scratches, or sometimes even broken bones and concussions. These more serious types of injuries may call for a trip to the emergency room and also require repeated trips to see a doctor or medical specialist.

If a visitor trips on a porch step or falls from an outdoor deck while at someone else’s house, and gets injured, they could come back on the homeowner for medical reimbursement. Therefore, it is always important that a homeowner makes any elevated surfaces on a house as safe as possible. Hand rails should be provided for all interior and exterior steps, especially those with three or more risers. Outside porches and patios should have guard rails. Railings and steps should be made of strong material and checked often, with repairs and updates made as is necessary.

Large cracks in sidewalks, on a person’s property, should be filled and/or marked with brightly colored paint. Yards should be level and even, with holes filled and broken tree limbs or sticks removed so no one is at risk of tripping or falling.

Pets

A homeowner is often responsible if they own a pet and that animal bites or scratches another person resulting in the need to seek medical attention. There are many ways for a pet owner to be proactive in safeguarding their general liability for owning a dog, cat, or other type of pet.

Installing a fence around one’s yard in order to keep animals secured in a specific area is a good idea. A fence will provide a boundary for the animal and also establish a property line for neighbors passing by while out for a walk or bicycle ride.

Dogs should be kept on leashes whenever they are on a walk or visiting a park or playground. It is also smart to make sure pets are up to date on all of their vaccines and shots. A homeowner can greatly benefit from having their pets attend obedience classes.

According to an article published by the Insurance Journal, “Experts say that even normally docile dogs may bite when they are frightened or when defending their puppies, owners or food. The most dangerous dogs are those that suffer from poor training, irresponsible owners and breeding practices that foster viciousness.”

Potential Backyard Hazards

Swimming pools, trampolines, and play sets with slides and swings are a lot of fun however, they are also a safety risk. Young children should always be under constant supervision when playing in a pool or on a trampoline. It is also strongly urged that homeowners install fencing around pools and netting around trampolines, so as to give another layer of protection. Neighborhood kids should never be allowed on a homeowner’s play set unless the owner is also on-site and able to watch over everyone on their property.

While most homeowner’s insurance policies provide a standard amount for general liability coverage, adding an umbrella policy is another way that a person can stay protected in terms of their own general liability.

According to an article written by Michele Lerner and published by AOL.News, “Although 85 percent of umbrella insurance claims are related to car accidents, the policies offer protection against accidents that occur at your home, too — for example, in case someone falls down your stairs and sues you, or your balcony collapses during a party. Many people opt for an umbrella policy because they have a pool or a trampoline on their property and fear the consequences of a child getting injured.”

An umbrella policy is additional liability coverage that extends beyond the standard amount often issued with a homeowner’s policy. It can be beneficial to have if a person should ever have to face a lawsuit.

A homeowner can not protect against everything, but they can take steps to make their property as safe as possible for anyone visiting them at their home.

Safety Tips For You And Your Home

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Home Safety Tips

Your home is an important investment and nothing is more important than the people who live in it. Here are some home safety tips to help you keep your home and your loved ones safe.

According to USA.gov, every three hours, someone in the United States dies from a fire. Take every precaution you can to prevent this kind of tragedy. Install smoke detectors on every floor, especially in  bedrooms. Test the batteries at least once a month and replace the batteries at least twice each year. Also don’t forget to install carbon monoxide alarms in your home, and test and replace batteries according to manufacturer’s instructions. Keep fire extinguishers in the home and check them regularly. Make sure everyone in the home knows what to do if there is a fire.

Natural disasters, such as floods, earthquakes, or hurricanes, and even harsh winter weather can cause safety hazards in the home. It is important to monitor weather forecasts and updates during these times. Simply being prepared can keep these hazards at bay. Organize an emergency preparedness kit and a first-aid kit and keep them accessible. For information on what to do during a power outage, go to http://www.ready.gov/power-outage. Store rechargeable flashlights and battery-powered candles on each floor and make sure everyone knows where to find them. Have automatic water shut-off valves installed on your appliances.

The Consumer Product Safety Commission reminds us that each year, children are injured by hazards in and around the home. Most of these injuries are preventable by using child safety devices. Tour your home and take note of all potential hazards. Start by installing safety locks on all cabinets and drawers, if young children or vulnerable adults  live in your home. Fit your bathtub, shower and sink faucets with anti-scald valves. Put non-slip mats or decals in tubs and showers.

You may think that the locks on your doors are secure, but according to the National Crime Prevention Council, criminals use lock bumping to open cylinder locks and deadbolt locks by using a specially designed key called a bump key. Make sure you have secure locks on all doors and window guards on all windows. Store confidential records in a safe deposit bank or a home safe. Install motion-sensing floodlights outside of your home. You may wish to consider investing in an up-to-date security system.

Life Insurance: Your Work Coverage May Not Be Enough

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Life Insurance

Employee sponsored life insurance is often offered as part of a benefits package, but it may not be enough coverage to protect your family. The coverage you have is only as good as your HR team; if they make a mistake, fail to pay the premiums or even forget to inform you about changes, your coverage could fail when your family needs it most.

Life insurance purchased through your employer is convenient; there are often no medical requirements and premiums can be automatically deducted from your paycheck, but it is usually not enough. Taking advantage of this product is a good start, but most policies are based on your salary alone and don’t take your family’s ultimate needs into consideration.

It may not be enough coverage: If you have children, a spouse or other dependents you’re concerned about, taking out a private life insurance policy is a must. The private policy can be taken out in an amount that truly meets your needs, not an arbitrary number assigned by your employer.

Potential loss of coverage if you leave: Your job sponsored life insurance is tied to your employer, if you leave, you’ll have to figure out how to take it with you. If your employer has been covering some of the premium costs, you may be left with an overpriced policy that is tough to afford — or no coverage at all.

You’re overpaying for coverage: Insurance premiums can be less expensive if your employer is footing part of the bill, but if you are paying the premium, you’ll often find that the policy offered is significantly overpriced for the amount of coverage you are getting.

If you’re worried that your employer sponsored life insurance just isn’t enough — or think you may be overpaying, we can help. Contact us to learn more about your options and to find out just how affordable life insurance in the right amount can be.

Do You Have a Student Going to College? Revisit Your Insurance Needs!

Blog-Do-You-Have-a-Students-Going-to--College--Revisit-Your-Insurance--Needs!If you have a student going to college (http://yeagerinsurance.net) this fall, then you may be feeling understandably nervous and maybe even a little emotional–especially if this will be your child’s first year. However, as the start of the fall semester approaches, now is also an important time to revisit your insurance needs and make sure your coverage aligns with your changing life.

Auto Insurance

At many colleges across the country (and particularly at larger universities), personal vehicles aren’t allowed on campus–especially for freshmen. If your child has his or her own vehicle but won’t be taking it to college, why should you be stuck paying for the insurance while your student is away? You may want to consider contacting your auto insurance agent to see if you can catch a break on your policy premium; many insurance companies have discounts available, especially if your child is at a college more than 100 miles away and will not have the vehicle with them on campus.

Renter’s  Insurance

If  your child will be moving into a dorm or other shared housing, now is also a good time to consider purchasing renter’s insurance for his or her belongings. In the event of a covered loss, your student’s personal property can be replaced under a policy separate from your homeowner’s.  This usually means a lower deductible and any losses do not go against your homeowner’s policy. Renter’s Insurance usually costs around $10 per month, which most parents would agree is worth the added peace of mind.

As you can see, there’s a lot to think about before your child packs up and leaves for college. By  keeping these insurance tips in mind, you can make sure you’re covered and that you’re maximizing your  savings in the  process.

Life Insurance West Virginia

Life Insurance: When You Need It, When You Don’t

Many have a habit of imagining the worst case scenario. Hiking in the wilderness, envisioning a pack of starving wolves, bloodthirsty eyes, asking yourself, “Which limb would they eat first? Probably my left foot.” As this drama plays out, you watch your family mourn your death at your (closed casket) funeral. “WHAT WILL THEY DO WITHOUT ME?!?!?”

 

Those artistically able will produce this nightmare into a blockbuster film. The profits of which will be able to keep your family safely financed for years to come.

 

For the rest of you who want to keep your family protected, even after your death, there’s Life Insurance. But with so many types of policies out there, it’s hard to know When You Need It and When You Don’t.

 

Your Dependents

Let’s start with your dependents. Who is dependent on you for survival? Does that sound extreme? It is. Many of us have dependents whose lives would be far worse off without us. By capturing a life insurance policy before it’s too late, those you’ve protected and helped in life with remain protected and helped after your passing.

 

These policies can cover your debts, lost future contributions (e.g. wages for full time worker policy, or child care/housekeeping/tutoring for a stay at home parent policy), or large future expenses (e.g. funeral costs, college for the kids, time off work for partner to grieve).

 

In the case of Jo and Don Miller, Jo works 45 hours a week and Don stays at home with their two children, Oscar and Maya. They’ve each decided to take out a life insurance policy so that in the event of a death, their family will be able to maintain their lifestyle. Losing a partner and parent is bellowing. Losing the house shortly after… Not evening fitting for your worst enemies.

 

If the Shoe Doesn’t Fit, Don’t Buy It

Many insurance agents will try to sell and sell and sell. Call for a life insurance quote, they’ll try to sell you a policy for your goldfish. Yeager Insurance has your best interests in mind, so we want you to know which policies the other companies may try to sell you that you don’t need!

 

Child Life Insurance: We’ve all seen that ads on TV. For a few “pennies a day” we could buy a $10,000 (or more) policy on our child. Unless your child is a large source of income for your family — a high paid actor starring in the hit motion picture “I Was Eaten By Wolves Without Life Insurance” — they don’t need much coverage. Child death rates in the US are extremely low. It’s best to have coverage in the event the unthinkable happens, but it’s cheaper to add them to your own policy. Also, if you don’t have enough Life Insurance coverage for yourself or your spouse, you’re better off adding to your own policy before buying coverage for your child.

 

Guaranteed Issue Policies: Guaranteed Issue Policies will grant life insurance regardless of health or other serious factors. They cover without a medical exam. Even if you are worried about cost and coverage, check with Yeager Insurance before jumping on one of these “sounds too good to be true” offers. We may be able to cover you, even with preexisting health conditions, at a cheaper rate.

 

Final Expense Insurance: Elders who want to make sure their death expenses are covered. By these overpriced policies for ease. Before jumping on these offers, see us at Yeager Insurance and see if we can get you a better policy, cheaper.

 

Call Yeager Insurance today at 304-797-3900 and we’ll help find the perfect Life Insurance policy in Charleston, Hurricane, Nitro, Teays Valley, and nearby WV cities.

 

West Virginia Metal Industry Employees

Protecting Your Employee’s In the WV Metal Industry

“By failing to prepare, you are preparing to fail.” — Benjamin Franklin

 

You need a good insurance company backing you for the times all hell breaks loose. For the moments that nothing could have been done to prevent. Though we have found many companies don’t instill proper Preparation techniques and thus have more mishaps than their competitors who do. Yeager Insurance wants to make sure you have all the information to best Prepare and Protect yourself in the Metal Industry. Making sure you aren’t “preparing to fail.”

 

Employee’s Health and Safety

 

Not only do you want to ensure your employee’s safety and health for moral and reputative standards, but their health and safety will also reduce your Worker’s Comp payouts as well as keep you line fully staffed.

 

Enforce use of protective gear. Gloves, glasses, helmets, masks, proper shoeware, etc… are imperative to the safety of your staff. This base protection will be the last layer of preventative before harm hits.

 

Continuing training and safety education will also keep your staff current with standards of care. Encourage management to keep an eye out for any infractions regarding safety concerns or questionable activity.

 

Keep a Clean House

 

Dust exposure is the leading cause of pneumoconiosis (dusty lung). While your employees should be wearing masks to prevent dust exposure, keeping a clean house can further prevent risks.

 

  • Proper ventilation
  • Quarantining the source of the dust
  • Properly removing containers that include dust as well as must and dusty materials

 

Maintain these measures and keep a documented process for maintenance.

 

Reduce Product Recall Expense Exposure

 

Product testing as well as a quality control/assurance program will help reduce product defects. Ensure your product is high quality before releasing it. Consider obtaining ISO certification (such as ISO 9000) to further protect yourself.

 

Equipment Maintenance

 

Don’t let maintenance fall to the waist side. Make sure your machines are up to code and consistently working well, before they break down completely and you are left with scrap metal and a huge bill. A formal maintenance program will keep the standards of care higher and thus prevent any malfunctions that may injure your workers and the machines themselves.

 

Call Yeager Insurance today at 304-797-3900 and let our agency help you make sure your metal business is covered.

Major Risks in the WV Metal Industry

Major Risks in the WV Metal Industry

 

Danger lurks around every corner. Sure. But some corners have been proven to be more dangerous than others. The fact is, the metal industry is a thriving sector of our economy. $75 billion in steel alone. Unfortunately, the metal industry is also one of the most dangerous and risky. With that combination, it’s important your company feels protected.

 

Safety and risk management is an important factor to your company’s bottom line as well as the personal health of your employees. Yeager Insurance wants to help you conduct business as usual while we take the weight of work related risks onto our shoulders.

 

Here are some key factors to look into when it comes to protecting yourself.

 

Foreign Suppliers and Importing Risks

Trust is a big part of the metal industry. When the product is imported from a foreign country, we hope they have thoroughly inspected and protected the materials. Unfortunately, some of their standards are not on par with ours. And currency exchange rates are subject to change at any time, leaving you unprotected from inconsistency.

 

There are US safeguards in place to protect you, but they are limited. It’s up to you to ensure your product line is clean and protected by practicing vigilance when it comes to monitoring the product and investments.

 

Major Machinery Fails

Machinery is not foolproof. It will fail and everyday it is out of commission you are losing money. Not to mention the cost to replace or repair. If you’ve got Yeager Insurance, we will react quickly and get you up and running as soon as possible to ensure minimal loss and damage.

 

Product Recall

While not common, a product recall can be disastrous to your company. You run the risk of lost product and legal action being taken against you. Product recall (or product withdrawal) insurance comes in two forms.

 

Recall expense coverage pays for losses affecting the manufacturer. (E.g. costs to pull recalled product and notify the public.)

 

Product recall insurance also covers expenses for those customers or others who have been injured by the defective protect, keeping you out of the crossfire.

 

Employee Injury

Worker related injuries can happen anywhere and everywhere in your company. Working with machinery, lifting and moving heavy product, and dust exposure are only a few examples. In fact, in 2012 we had 24 metal industry fatalities and a 6% worker injury rate. 6 out of every 100 of your employees will likely become injured. They could be out of commission for days or even weeks if not longer. Possibly slowing down manufacturing and shipping speeds.

 

The very next thing you need to do is review your insurance – and your agent. Make sure you’re working with someone who knows the ins and outs of your business.

 

Call Yeager Insurance today at 304-797-3900 and let our agency help you make sure your metal business is covered.