For many drivers, navigating treacherous roads during winter weather can be a frightening feat. Between the decreased visibility, slippery conditions and ice patches – the road really is a dangerous place to be in winter months.

You could think of umbrella coverage as the “rainy day” coverage – coverage that is typically used for an unforeseen and/or tragic event. You see, umbrella insurance really has nothing to do with rain at all, it is actually a form of liability insurance.

We’ve all heard the horror stories - a water leak goes undetected for months on end and results in tens of thousands of dollars in damage once it’s finally found!

Every day, some of the best drivers are involved in some of the worst auto accidents. About 4.57 million people were injured and 40,100 lives were lost in 2017 alone – you can help to lower this statistic.

1. Drive with daytime or headlights on.

Because you can see, does not mean you are seen. Driving with lights on always reduces your risk of a two vehicle or motorcycle accident by over 10%.

If this was your first year using a real tree for the holidays, you might be wondering how to properly dispose of it.

For many families the kitchen is the heart of the home during the holidays, where the family gathers to enjoy one another’s company and indulge in a delicious meal!

Any type of lawsuit can pose a serious threat to the livelihood of your business, but those dealing with cases of liability can be especially costly. Slip and fall accidents are a rather common lawsuit that businessowners face.

Winter weather puts drivers at an increased risk of being in an accident or becoming stranded. Emergencies can happen to anyone. Whether you slip off a snowy road or fall victim to a dead battery, a car emergency kit can get you back on route quickly and safely.

Wife: “Honey, grab my favorite blanket, my fuzziest socks and a nice cup of cocoa; I’m absolutely freezing!”

Husband: Lugs in the space heater, plugs it in and turns it on. “Your blanket is in the wash, I can’t find your socks and we’re out of cocoa, this will have to do.”