Holiday Fire Safety
The holiday season is quickly approaching. However, along with bringing Christmas cheer, the additional lights, candles and decoration can also increase the risk of fire. Learn how you can avoid a potential Christmas tragedy in your home by following these simple tips.
Commercial Property Insurance – the Importance of Protecting your Business
Are you a small business owner? Whether you own your workspace, lease or work at home, we at Morrell want to help you find the best commercial property insurance policy to meet your small business needs. Give us a call at Morrell Insurance today to find a policy tailored to your business.
Stay safe this holiday season – safety tips for deep-frying a turkey
Deep frying is one of the latest trends in preparing a Thanksgiving turkey. This method can result in a delicious holiday meal, but can also be dangerous. The following safety tips can help you have a safe and happy Thanksgiving this year if you plan on deep-frying a turkey.
Errors and Omissions Insurance
Who needs E&O insurance?
The best-known professionals who need E&O insurance are doctors, lawyers, accountants, architects, engineers, etc. However, less thought about individuals range from advertising agencies to commercial printers, Web hosting companies to wedding planners. If you are in the business of providing a service to your client for a fee, you have an E&O exposure. You may want to consider what will happen if the service is not done correctly or on time, and it costs your client money or harms their reputation.
Identity Fraud Insurance – Protect Yourself from the Fastest Growing White-Collar Crime in America
Identity theft occurs when someone steals your personal information. A thief can use that information to commit a crime or fraud in your name, in which case identity fraud occurs. Identity fraud can potentially ruin your credit, compromise your financial and medical history and deplete your assets.
Defensive Driving Courses: Minimize the high cost of insurance associated with high risk drivers
While young drivers only represent 13% of all licensed drivers, they cause 28% of all traffic accidents and 24% of all fatal crashes. A defensive driving course can help raise awareness on the #1 cause of death for drivers ages 15-24 and explore ways to adopt life-saving skills to improve driving behavior for personal, legal and financial benefits.
Why Purchase Flood Insurance?
Why Purchase Flood Insurance?
It’s the most common natural disaster in the United States and is not limited to coastal areas.
Flood damage is not covered under a standard homeowners policy.
See what just a few inches of water can do to your home. Watch FloodSmart’s interactive demo.
Keep in mind that flood maps have changed recently, so you could be at increased risk for flooding as a result of natural disasters and not know it. Visit floodsmart.gov for a Flood Map Update Schedule.
Hurricane Season Entering Peak Period, Yet Many Homeowners Still Do Not Have Flood Insurance
The busiest period of the Atlantic hurricane season is getting underway, so if you have not yet considered buying flood insurance, now is the time. Flood insurance covers your property against hurricane-caused storm surges as well as flooding generated by the torrential rains, which often accompanies tropical storms.
How to winterize your home
“For the typical homeowner,” says Rick McClatchie, a supervisor Wm. E. Morrell, inc. “just dealing with drafts you can feel will be a major improvement.” The first step? Nancy McClatchie, a owner at Wm. E. Morrell Insurance in White Plains, NY, recommends moistening your hand with water and running it along the edges of interior window and door trim and at the top of baseboards on exterior walls. “You’ll feel a draft like wind blowing through a straw,” he says. Caulking that space can make a significant difference. An eighth of an inch might not seem like a very big gap, but multiply it by, say, 1,000 linear feet of baseboard, and it adds up to more than 10 feet of space in your house that air can travel through. “If that’s not caulked, that’s a big, long, continuous gap,” says John McClatchie, president of WM. E. Morrell, Inc. “We tend to throw money at the problem in the form of heating oil, but all of that heat will just escape out of the envelope [around the house] until we start sealing the envelope.”
Life Insurance or Long-Term Care?
As the kids leave the nest and the mortgage gets paid off, the need for life insurance wanes for many people who have reached late middle age.
The focus moves from “How will my family survive without me?” to “Who will take care of me, and how will I pay for it?”
You have a 70% chance of needing long-term care sometime after age 65, according to the National Clearinghouse for Long Term Care Information. Health insurance, including Medicare, generally doesn’t cover long-term care, which pays for assistance with basic activities, such as eating, getting in and out of bed, and bathing.
The cost of care, whether it’s provided in a nursing home, assisted-living facility or at home, can reach tens of thousands of dollars a year and decimate your financial portfolio. Here are 8 long-term care insurance myths.
