Headed out of state this summer and looking for an adventure? Check out these awesome things to do in every state! Outdoor Adventure in Every State
To make sure your auto coverage is ready for the trip, visit Scott Lynch Agency
by Erie Insurance on
This week marks Lightning Safety Awareness Week. Though disasters like hurricanes tend to get more attention during the summer months, it’s important to know how to stay safe from lightning. That’s because lightning presents serious dangers to both people and property.
Lightning safety and people
Lightning can occur during any time of the year, but lightning casualties are highest during summer. July is generally the month with the most lightning. Lightning strikes often occur in the afternoon. Two-thirds of all lightning casualties occur between noon and 6 p.m. According to the National Weather Service, here are some more interesting facts:
Lightning safety and property
From 2007 to 2011, local U.S. fire departments responded to an average of 22,600 fires per year that were started by lightning according to the National Fire Protection Association. These fires caused an average of nine civilian deaths and $451 million in direct property damage per year. Home fires accounted for 19 percent of the lightning fires. Fires in nonresidential structures, including businesses and other non-residential properties, accounted for 7 percent. Vehicle fires accounted for 1 percent. The remaining 73 percent were in outdoor and unclassified properties.
How to avoid lightning
There are important things to know when it comes to how to avoid lightning. Once you hear that first clap of thunder, remember to:
You are not safe anywhere outside. Run to a safe building or vehicle when you first hear thunder, see lightning or observe dark threatening clouds developing overhead. Stay inside until 30 minutes after you hear the last clap of thunder. Do not shelter under trees.
If it’s not possible to get indoors or in a vehicle, these actions may reduce your chances of being struck by lightning:
When it comes to how to avoid lightning, you should also take precautions once you’re indoors:
It’s important to prepare for natural and weather disasters. It’s also important to make sure you’re covered if something happens to your vehicle or home during a storm. Connect with the Scott Lynch Agency to make sure you have the coverage that’s right for you.
Happy Small Business Week! This For Veterans—Achieve Your Small Biz Dreams Webinar is just one of many events throughout Indiana in honor of Small Business Week.
SBA Indiana teams up with VetBiz Central to deliver information on a variety of programs, opportunities, and benefits for aspiring or established Vetrepreneurs.
WHEN: May 1, 11 am
Registration is required. Click or type www.vetbizcentral.org in your browser and sign up today!
This workshop brought to you through a partnership between Veterans Business Outreach Center VetBiz Central and the SBA. Questions? Email Public Affairs Specialist Laura Schafsnitz at email@example.com.
About the U.S. Small Business Administration
The U.S. Small Business Administration makes the American dream of business ownership a reality. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start and grow their businesses. It delivers services to people through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit www.sba.gov.
8500 Keystone Crossing, Suite 400
Indianapolis, IN 46240
Whether you’re a cat person or a dog person, there’s no doubt that dogs are the costlier pet. Their diet and grooming needs, for example, vastly outweigh those of cats.
Then there are visits to the veterinarian. Just like their human counterparts, cats need routine medical attention. Whether they accidentally ingested something they shouldn’t have or are in serious pain, the costs are sure to make a dent in any wallet.
“The majority of medical conditions on the top 10 list can be successfully managed if treated promptly by a veterinarian. Early detection can prevent many of these issues from becoming severe,” said Carol McConnell, vice president and chief veterinary officer for Nationwide, in a statement.
For current and future dog owners, being prepared can help when the unexpected occurs. With this in mind, here are the top 10 most common medical conditions for dogs, based on Nationwide data.
You’ve always been a good driver; and now your good driving can be rewarded. Through our RightTrack® program, you can install a device in your car that recognizes your safe driving habits, which could earn you a discount of up to 30%. Call (317) 886-0081 to discuss.
JAN 29, 2018 | BY ELANA ASHANTI JEFFERSON
Despite the fact that not everyone loves American football — particularly in light of its recent politicization via the “Take a Knee” campaign — most everyone loves a party.
That makes the ad hoc holiday known as Super Sunday a time for football fans and foes to come together to eat, drink and play armchair TV critic.
This year, roughly 45% of Americans plan to host or attend a Super Bowl party, according to the National Retail Federation (NRF).
“As a favorite American past-time, the Super Bowl is a great chance for viewers to reconnect with friends and family,” says NRF Analyst Pam Goodfellow. “Even though the number of viewers is slightly down this year, plenty are still planning to enjoy the day by watching it at their favorite bar or friend’s place.”
Insurance experts advise homeowners who choose to host a Super Bowl party to anticipate potential liabilities — on the chance something unexpected occurs that results in an insurance claim.
“Parties and holidays are times to celebrate and enjoy each other’s company,” says Heather Bolyard, vice president of Claims for American Modern. “Unfortunately, guests on your property are also a risk for which you may be held responsible.”
Should an accident happen, she advises taking the following steps:
“You put a lot of work into hosting a party,” Bolyard continues. “Do your best to be prepared… Then, enjoy the party knowing that you are insured in case an accident occurs.”
Here are six tips from insurers regarding potential homeowner liabilities when hosting a Super Bowl party, as well as how to address them.
Depending on the location, social host liability laws, or the criminal and civil responsibility of a person who furnishes liquor to guests, are applicable to events such as in-home Super Bowl parties, according to the Insurance Information Institute.
American Modern’s Heather Bolyard notes that hosts can be liable for guests who over-imbibe and then drive home while intoxicated:
“There have been some very sad claims where after leaving a party with family and friends the guest drove drunk causing an accident, injuries, and even death. A Super Bowl party with friends and family is going to be a great event. If you’re serving alcohol, do so early in the game and be sure to serve food as well; put the alcohol away before the end of the game and switch to coffee and dessert.
For those that over-imbibe ensure they don’t drive; consider asking another guest to give the person a ride or order a ride from a local taxi or ride-sharing service. There are so many services that are quick and convenient. Go ahead and have an app or phone number handy if you need one for a guest. You want to remember the great party, not the results of car accident.”
Many parts of the country are heading into the coldest, snowiest part of winter. That means anyone hosting a Super Bowl party could be liable should a guest slip and fall on their steps, driveway or walkway.
But that becomes much less likely when a homeowner has taken extra precautions to clear and salt snowy, icy outdoor paths.
Farmers Insurance data also indicates that skidding on ice or snow and hitting an object or pedestrian claims both increase by more than 5% on Super Bowl Sunday compared to the three Sundays prior.
Grilling food is easy, fast and delicious, but it also can be dangerous.
Between 2009 and 2013, U.S. fire departments responded to an average of 8,900 home fires involving grills, hibachis, or barbecues per year, according to the National Fire Protection Association (NFPA), and these fires accounted for annual averages of 10 civilian deaths, 160 reported civilian injuries, and $118 million in direct property damage.
Super Bowl party hosts should make sure grills are clean and operational before the party, as well as positioned away from people and property.
Keep fire safety tools on hand, just in case.
Popular party foods containing dairy, such as dips or potato salad, can quickly sour once they come to room temperature, and Super Bowl party hosts could be liable should a guest become sick from something served at the event.
These food storage tips from the U.S. Department of Agriculture will go a long way toward avoiding the spread of foodborne illness:
— It is vital to keep foods out of the “Danger Zone,” which is the temperature range between 40°F and 140°F.
— When foods are left in the “Danger Zone,” bacteria can multiply rapidly, causing a single bacterium to multiply to 17 million in 12 hours.
— Avoid serving Super Bowl favorites, such as pizza and chicken wings, at room temperature for the entire game.
— If warm takeout foods are to be served immediately, keep them at 140°F or above by placing in chafing dishes, preheated warming trays or slow cookers.
— If take-out foods will not be served immediately, either keep them warm in a preheated oven, or divide the food into smaller portions or pieces, place in shallow containers, and refrigerate. At serving time, reheat to 165°F.
— Cold foods that are served should be kept at 40°F or below, which can be done by nesting serving dishes in bowls of ice. Avoid storing food outside, where the sun can quickly warm foods in plastic storage containers and animals can get into them.
— Use a food thermometer to ensure foods being served to guests are not in the “Danger Zone.”
Dogs are especially sensitive to crowds and noise (like touchdown cheering), and an agitated animal is more likely to bite.
When pets join the party, owners should monitor them for signs of stress such as panting, pacing or hiding. It also may also be wise to keep older or anxious dogs away from Super Bowl party guests altogether.
Related: 8 tips for preventing dog bites
Farmers Insurance warns that homeowners’ policies generally cover a limited amount of liability for injuries that occur at the home. So homeowners may want to consider a personal liability umbrella policy as a supplement.
Farmers also advises Super Bowl party hosts that any intentional act resulting in damage to home or property may not be covered under a homeowners policy. And there are limits to certain types of homeowner losses, such as theft.
To that end, Super Bowl party hosts may want to consult with their insurance specialist before Super Sunday to determine whether supplemental insurance, knowns as a floater, may be prudent.
“Parties and holidays are times to celebrate and enjoy each other’s company,” says American Modern’s Heather Bolyard. “After doing your best to prepare for an entertaining event, insurance can help you have peace of mind and enjoy the time with your friends and family.”
For your home insurance review, call us at (317) 886-0081 or visit our website: Scott Lynch Agency
JAN 24, 2018 | BY DENNY JACOB, PROPERTYCASUALTY360
The role of cell phones in our society faces greater scrutiny in recent years, particularly when it comes to the world of driving.
Distracted driving can happen in a number of ways, but smartphones are often behind a case of distracted driving more often than not.
A study conducted by the AAA Foundation for Traffic Safety compared drivers’ odds of crash involvement when using a cell phone relative to driving without performing any observable secondary tasks, both overall and stratified by selected environmental and crash-related factors.
Data came from a sample of 3,593 drivers, whose driving was monitored using in-vehicle video and other data collection equipment for a period of several months between Oct. 2010 and Dec. 2013. Men (1,712) and women (1,878) represented age groups ranging from 16 years old to 75 years old.
While the great debate over cell phones — along with many other topics, such as the future of autonomous vehicles — and distracted driving has no end in sight, studies like this one will prove useful for researchers, the automotive and electronics industries, and traffic safety advocates, among others, in making tomorrow’s roads a safer place for drivers and pedestrians alike.
Asterisks in tables denote instances in which there were too few crashes and/or baseline epochs involving a specific cell phone task to compute an odds ratio.(Photo: Crash Risk of Cell Phone Use While Driving: A Case-Crossover Analysis of Naturalistic Driving Data)
The study found that “visual-manual interaction with cell phones while driving, particularly but not exclusively relative to text messaging, was associated with approximately double the incidence of crash involvement relative to driving without performing any observable secondary tasks.”
Notably, 42 of 65 crashes that involved any form of visual-manual interaction with cell phones involved texting. Hand-held cell phone conversation, location/reaching for/answering the phone, and overall cell phone use (all manner of cell phone use combined) were associated with elevated risk of crash involvement.
Assocations between visual-manual cell phone interaction and crash risk tended to be stronger in free-flow traffic and in types of crashes in which the subject driver played a clear role, such as rear-end and road-departure crashes.
While hopes for a world without distracted driving may be ways away, drivers who continue to use their cell phones on the road will remain an issue for the foreseeable future. Until then, drivers must remember that driving is a privilege, and that the road is a shared space between drivers and pedestrians alike.
For your auto insurance quote visit: Scott Lynch Agency