There are so many things that can go wrong at home, and to keep your family safe, you should implement some rules. 
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These rules may seem like common sense, but there’s no better time than now to make sure everyone knows them by heart. Here are some of the most important safety rules that should be implemented at home

Driving in the rain can be a risky endeavor, particularly when you are driving with other people in the car who are unfamiliar with the roads or if you’re driving in an area you’re not familiar with. 
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But there are some safety tips for driving in the rain that can help reduce your risk of getting into an accident and make your trip less stressful overall. Below are six tips that could help you.

It’s no secret that vehicle repairs are taking significantly longer due to labor shortages and supply chain issues. Being aware of this delay before you are in an accident can help you save money. Now is the time to rethink rental reimbursement.
 
Rental Reimbursement Coverage is an optional coverage on auto insurance that reimburses you, in most situations, when your car is being repaired and isn’t drivable due to an accident or claim.
 
The coverage itself hasn’t changed. Because vehicles are in shops longer and auto parts are scarce, rental car pricing is increasing and rental car availability is decreasing.
 
Before labor shortages and supply chain issues, 30/900 coverage was considered sufficient. This means you would be reimbursed for up to $30 a day, with a maximum reimbursement of $900. Increasing that coverage to 40/1000 or higher might be something to consider.
 
Next Steps:

• Review your auto policy declarations page to see if you have Rental Reimbursement coverage.

 

• Contact your agent to discuss your current level of coverage and the potential need to increase that coverage.

Knowing what to do if you are in a car accident can make the claims process so much easier. Follow these simple tips:
 

1. Contact the police immediately to report the accident.
2. Do not leave the scene until the police direct you to do so.
3. Take photos of any vehicles involved, other property damaged and the accident scene.
4. Exchange insurance/contact information with other parties involved - name, phone number, email, insurance carrier name & policy number, agent name and phone.
5. Collect names, phone numbers and email addresses for any witnesses.
6. Remove any valuables from your vehicle before it is towed.
7. Contact Desmond Insurance https://www.desmondinsurance.com/report-a-claim.html or 859-491-5100.

You are most likely already aware of business insurance, but you might be unaware of the different types there are. 

As you set up your business, it’s a good idea to choose policies that protect against some of your greatest risks.
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It will ensure that you have a successful launch and keep your hard-earned money! This post will explore the types of business insurance typically provided by insurance firms.

​One of the best ways to protect your business against losses and liabilities is to purchase commercial package insurance coverage. 

Many businesses are legally required to carry at least some type of insurance policy to conduct business in most states, but that doesn't mean it covers everything you might think it does. 

Here are four things your commercial package policy will not cover