Making Sure Your Home is Safe During the Holiday Season

The holiday season is one of wonder and excitement, but it is also a time to be extra cautious about the various safety issues that are relevant at that time of year. Here are tips for keeping your home safe during the holidays, courtesy of Alliance Insurance Services serving Arvada, CO.

Lighting and electrical issues

Thoroughly inspect holiday lights before stringing them up on your Christmas tree and on the exterior of your house. Do not overload electrical outlets by plugging in too many items. Turn off holiday decorative lights and other seasonal electrical items before you go to bed and when you leave the house.

Fireplace safety

Whether you use a gas or wood-burning fireplace, it is important to keep safety top of mind. Always be nearby to monitor the fireplace while it is in use. Make sure sparks or other flammable items stay in the fireplace. Keep children and pets away from fireplaces and candles.

Home security

No discussion about safety would be complete without talking about the prevention of theft during the holidays. Do not leave packages containing gifts sitting on your porch or anywhere outside your house. Make sure all doors to your house are locked at all times, and if you go out of town for the holidays, take the proper precautions to protect your home. Consider having a security system or security cameras installed.

There are many other ways you can keep your home safe and sound during the holiday season. If you need further guidance and want to make sure you have appropriate home insurance, feel free to contact Alliance Insurance Services serving Arvada, CO.

Avoid These Four Commercial Inurance Policy Pitfalls

You perhaps started your own business because you wanted to do work you love. Then, just as many other Alliance Insurance Services business clients operating in Arvada, CO have learned, pursuing your passion could cost you your entire profits unless you prepare for what you hope will never happen but might. However, knowing you need commercial insurance is not enough. Avoid these four pitfalls when shopping for coverage for your company.

 

1. Forgetting about inflation —You have to remember, for instance, to account for what the price of new equipment might cost you 10-20 years from now. The same is true of damaged property if disaster strikes decades after you started operating in Arvada, CO.

2. Not thinking about costs of occupational injuries —If you have employees, it is highly recommended that you protect yourself against financial loss if one of them needs treatment after becoming hurt on the job. If your company is liable, you might also have to pay for lost wages, so be prepared.
3. Not being thorough enough with inventory — You might not have enough to replace equipment and supplies if you don’t account for all that you own. This could hurt your business because you maybe will not be able to serve as many clients with the sudden downsizing of your operational inventory.
4. Not protecting yourself against theft or vandalism —You need financial security as well as physical security to protect your property. You especially need this if you have customers entering and leaving your place of business all day long.

We Can Assess Your Insurance Needs

Alliance Insurance Services does not want you to lose your business and give up your passion. Contact Alliance Insurance for help with choosing the right commercial insurance plan for your operation.