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Weather Woes: Frozen Pipes

Freezing Weather Maintenance

When the temperature drops, frozen pipes are one of the biggest risks of property damage. In fact, a burst pipe can result in more than $5,000 in water damage, according to safety experts at the Insurance Institute for Business and Home Safety (IBHS).

Who are the most vulnerable?

Many businesses are not prepared to respond to a natural or man-made disaster. Small and home-based businesses are particularly at risk because they may have all of their operations concentrated in one location that could be damaged or destroyed. For home-based business owners, weather-related disaster could mean losing a home and a business at the same time.

You should treat your small or home-based business like a big business and make a plan for the unique risks you may face. It's the best way to stay open for business.

How to prevent frozen pipes Read more

Who Insures Improvements in a Leased Building or Office?

Insurance Coverage

Who Insures Improvements in a Leased Building or Office?
Before you remodel a leased space, review your coverage

If you lease an office and make improvements to the space—such as interior remodeling—you need to review your insurance coverage. Generally, if you've installed any after-the-fact alterations, it's up to you, not the property owner or landlord, to insure them.

For example, let's say you've leased space for an auto garage and then install a vehicle lift. The lift may not be covered. If you leased space for your beauty salon or florist shop and install new sinks and counters, you should determine whether you need to insure those items too. Read more

Road Trip with Kids? Find Best Booster Seats

Ratings from the Insurance Institute for Highway Safety take the guesswork out of selecting boosters most likely to provide good lap and shoulder belt fit in a range of vehicles.

Unlike child restraints with built-in harnesses, booster seats rely on vehicle safety belts to restrain children. Boosters are supposed to make adult belts fit children better. Booster seats are for kids who have outgrown their forward-facing restraints.

Proper fit is key

Our ratings identify boosters most likely to provide good lap and shoulder belt fit. Safety belts are designed with adults in mind, not kids, but when a booster seat is doing its job, the vehicle belt will fit a child correctly. That means the lap belt will lie flat across a child's upper thighs, not across the soft abdomen, and the shoulder belt will cross snugly over the middle of a child's shoulder.

The Institute puts the booster seats it tests into 4 categories: Read more

Fall Boat Theft

Boaters: Beware of Land Sharks
 
Keep your boat safe when it's ashore. Boat theft often occurs in the off-season. Once they’re stolen, most boats are not recovered. If you are a boat owner, learn some easy and effective ways to protect your craft from theft.
 
>>Five tips for storing boats safely
 
 
Boat Theft Often Occurs in the Off-Season
 
If you’re about to store your boat for the off-season, be sure it’s in a secure location. Many theft cases happen when the boat is ashore.
 

Human Happens

You probably come to a full halt at stop signs, always use your turn signals and never speed through a yellow light. But even the best drivers all have one thing in common: we're all human, and humans make mistakes.
 
Maybe you forgot to look both ways before making that right turn on red, or you were following the car in front of you just a smidge too closely. It happens to the best of us. With most auto insurance companies, one human slip-up might be enough to send your premiums sky high. Luckily, Erie Insurance isn't like most insurance companies.