As the weather cools, football is in season, and the leaves fall from the trees, it’s critical to remember a few essential fall safety tips. Your family may enjoy the cool fall weather while avoiding some of the dangers that come with the season if adequate precautions and safety knowledge are taken.
Keep an eye out for deer and other wildlife
If you live in a wooded location, deer may seem to be everywhere. However, November is deer mating season, which means they are more prone to crossroads. In fact, deer are number one on the list of the top five animals you’re most likely to hit with your automobile, according to the National Insurance Crime Bureau.
Space Heaters
A space heaters can be an excellent way to warm up a cold area, but it is critical that you read the directions before using it. If your space heater requires venting, ensure that it is vented to the outside. Never use your stove or oven to heat your home; instead, use only certified space heaters. Allow at least three feet of distance surrounding space heaters.
Auto Accidents
As the weather turns cooler and the days become shorter, it’s critical to drive with additional caution. Rear-end collisions are one of the most common insurance claims throughout the fall season. It’s all too simple to rear-end the car in front of you when sight is poor and roads are slick.
Allow lots of room between your car and the one in front of you to avoid this. And, if you are in an accident, remember to file a claim with your insurance company. You can help make the fall season safer by exercising caution.
ID Theft
More people are shopping online to prepare for the holidays. Keep your identity safe. When in doubt, pay using credit rather than debit. Avoid using non-bank ATMs. Use a different password for each of your accounts. If you do not identify the sender, avoid clicking on links.
Leaf Burning
According to the Air Defenders, burning leaves releases harmful and cancer-causing chemicals, and they warn households to avoid disposing of leaves in this manner. Wear a protective mask if you opt to burn leaves. Burning leaves should only be attempted far away from a homeowner’s house or other structures on their property. Before beginning to burn leaves, always check the weather forecast. This activity should not be undertaken in strong winds.
While the massive national agencies spend millions on television ads and offer barebones policies, they do not know you. When your needs change or your situation complicates, you don’t want an automated phone tree or cold cyber-agent. You want to talk to compassionate, honest insurance experts, close to home, right here in Beavercreek, OH – that’s our team. You shouldn’t have to spend hours researching and comparing policies. Let the specialists at Reichley guide you through the complex insurance industry.
Call today to alleviate the worry and get covered – (937) 429-0655.
When Is A Good Time To Cal My Agent?
/in Agent, Business insurance, Customer Service, Personal InsuranceWe strongly believe in developing relationships with our customers. Insurance is not a product; it is a trusted relationship between the agent, insurer, and customer. We are always ready and willing to help you better understand your insurance and help with any questions you may have.
The Value of Your Local Independent Agent
Good Reasons To Connect With Your Agent
If you have any questions about your insurance, please call our office; we are here to help.
There Is No One-Size-Fits-All Insurance Policy
While the massive national agencies spend millions on television ads and offer barebones policies, they do not know you. When your needs change or your situation complicates, you don’t want an automated phone tree or cold cyber-agent. You want to talk to compassionate, honest insurance experts – that’s our team. You shouldn’t have to spend hours researching and comparing policies.
Prepare Your Business For The Future
/in Business insurance, Insurance, Risk ManagementIf your business survived 2020 and 2021, there is hope for the future. Having survived the past is a good indication that your business is strong and prepared for the future. But it is essential to understand that the risks of the past change and the risk your business faces will be different. It will be important to understand your future risk to have a strategic plan on how to analyze, manage and insure these new risks.
Trends That Are Not So Good
It is becoming more frequent for non-insurers to establish insurance firms. Some automakers now provide or even design their auto insurance packages to sell alongside the vehicles they produce.
Insurers rely on data to determine their coverage and price. This takes the relationship and uniqueness out of the process.
We believe it is vital to understand the uniqueness of each business, not lump them together.
More insurers are offering online insurance. So now, business owners will have to determine what coverage they need without any professional help. This will also allow insurers to limit coverage and even deny claims without the business having proper representation.
Future Risk Trends
Environmental, social and governmental activism
Businesses are becoming a target for many new areas of social and governmental influences. Make sure your insurance can address these issues.
Cyber liability
Did you know that the average business has a greater chance of having a cyber breach than it does of having a fire? It is true, and your business insurance policy most likely will not cover cyber liability losses. This new world of connected devices promises insights on which companies can base strategic decisions.
Economic uncertainty
The next few years will be a special time for most businesses. It will be important to understand how to design an insurance and risk plan that can respond to losses that allow your business to continue.
Supply Chain
Today’s complex business environment does not occur in a vacuum. Companies are interconnected networks with several internal and external stakeholders. As the business world grows more interconnected and dynamic, it’s critical that you have a thorough grasp of the risks to your day-to-day operations and are prepared to handle them. Business interruption losses can range from decreased sales to increased operating costs because of the loss of a crucial supplier to the loss of future revenue streams as a result of a disruptive incident.
New Work Environment
Agents and insurers may increase their relevance by providing specialized protections for remote workers and small home-based enterprises that reflect how people live and work today.
Final Thoughts
Businesses’ needs are not the same, and the insurance and risk solutions they are provided should match their individual risks. In order to ensure that the program that is tailored to each and every customer, agents should develop relationships and insurer analytics to better understand their customers’ risk exposures. Understanding the business’s needs and risks leads to a framework for providing better solutions to their customers.
Why Are My Insurance Premiums Going Up, I Did Not Have A Claim?
/in Business insurance, Insurance, Risk ManagementIt can be unpleasant to open your insurance bill to pay your premium, only to discover that your premium payments have increased upon renewal. We know that most people who carry insurance policies on their homes, cars, and businesses may be unfamiliar with how insurance policies are developed and changed. So, we thought we might help you understand the why.
Insurers base their policy prices on several variables. These cost components fluctuate up and down. Premiums are currently rising in many states. Remember, insurance companies are competing for your business, so they try to keep their rates competitive.
To help us through the process, we wanted to break it down between home and auto insurance.
Home Insurance
Auto Insurance
Proven Ways To Help Keep Insurance Costs Down
While the massive national agencies spend millions on television ads and offer barebones policies, they do not know you. When your needs change or your situation complicates, you don’t want an automated phone tree or cold cyber-agent. You want to talk to compassionate, honest insurance experts, close to home, right here in Beavercreek, OH – that’s our team. You shouldn’t have to spend hours researching and comparing policies. Let the specialists at Reichley guide you through the complex insurance industry.
Call today to alleviate the worry and get covered – (937) 429-0655.
Is It Time To Be Aware Of Changes In Your insurance?
/in Agent, Business insuranceYou may not be aware of all the underlying aspects that influence the cost of your insurance coverage. You might question why insurance is so expensive when attempting to compare prices. Prices might vary significantly from one company to another. There is not doubt premiums are going up and coverage is changing.
Trends we are seeing now with many carries affect your insurance, not is a good way. Some insurers, to lower their costs, here are examples.
What Can You Do To Minimize Your Risk
You Want An Insurance Program That Will:
There is no one-size-fits-all insurance policy.
Insurance is not a product. It is a promise and a trusted relationship. Here at Reichley Insurance Agency, we are not going to sell you something you don’t need. We want to talk to you, determine your needs, and get you covered at the right price.
While the massive national agencies spend millions on television ads and offer barebones policies, they do not know you. When your needs change or your situation complicates, you don’t want an automated phone tree or cold cyber-agent. You want to talk to compassionate, honest insurance experts, close to home, right here in Beavercreek, OH – that’s our team. You shouldn’t have to spend hours researching and comparing policies. Let the specialists at Reichley guide you through the complex insurance industry.
Call today to alleviate the worry and get covered – (937) 429-0655.
Are You Ready To Renew Your Business Insurance?
/in UncategorizedBusiness Insurance Renewal
Your business insurance is an important part of your risk management program. It is important to have the right insurance coverage, competitive pricing and the right insurer. We have found at least five factors that are important to manage when renewing your business insurance program.
Business Insurance
A business insurance program can include commercial property, auto, commercial liability, employment liability, workers’ compensation, professional liability and excess liability.
Insurance Renewal Tips
Putting a little effort into your business insurance renewal can reap the rewards in the form of better coverage and lower premiums.
While the massive national agencies spend millions on television ads and offer barebones policies, they do not know you. When your needs change or your situation complicates, you don’t want an automated phone tree or cold cyber-agent. You want to talk to compassionate, honest insurance experts close to home, right here in Beavercreek, OH – that’s our team. You shouldn’t have to spend hours researching and comparing policies. Let the specialists at Reichley guide you through the complex insurance industry.
Call today to alleviate the worry and get covered – (937) 429-0655.
A Few Simple Ways to Prepare Now For a Disaster
/in ClaimsA personal insurance update
With the Hurricane happening now in Florida, we thought it might be good to provide a few disaster safety tips.
Do not let the change in weather fool you; we are still at risk for acts of Mother Nature. In the coming months, we may be at risk of wind damage, wild fires, floods, and more. Remember, your homeowner’s insurance may not cover every disaster, so please call our office for a free insurance review.
How to prepare for an emergency
While the massive national agencies spend millions on television ads and offer barebones policies, they do not know you. When your needs change or your situation complicates, you don’t want an automated phone tree or cold cyber-agent. You want to talk to compassionate, honest insurance experts, close to home, right here in Beavercreek, OH – that’s our team. You shouldn’t have to spend hours researching and comparing policies. Let the specialists at Reichley guide you through the complex insurance industry.
Call today to alleviate the worry and get covered – (937) 429-0655.
Is Insurance Your Only Option?
/in Agent, Business insurance, Claims, Insurance, RelationshipsWe will be the first to say that certain types of personal insurance may not always be best for your needs. We believe each client is unique and therefore requires unique insurance solutions. But there is more to the process.
First, you and your agent need to talk about what your risks and goals are regarding the issues. Your agent should be able to help you identify all the risks and, only then, provide solutions.
Here is a good example
We recently had a client buy an older used car for one of their kids. After we reviewed the ACV value for the client, we recommended that he not purchase collision coverage. We told him to use the savings to put into an auto replacement fund. This will save the client hundreds of dollars over time.
Here are other kinds of insurance you may not need
Common Insurance Claims During The Fall
/in Insurance, SafetyAs the weather cools, football is in season, and the leaves fall from the trees, it’s critical to remember a few essential fall safety tips. Your family may enjoy the cool fall weather while avoiding some of the dangers that come with the season if adequate precautions and safety knowledge are taken.
Keep an eye out for deer and other wildlife
If you live in a wooded location, deer may seem to be everywhere. However, November is deer mating season, which means they are more prone to crossroads. In fact, deer are number one on the list of the top five animals you’re most likely to hit with your automobile, according to the National Insurance Crime Bureau.
Space Heaters
A space heaters can be an excellent way to warm up a cold area, but it is critical that you read the directions before using it. If your space heater requires venting, ensure that it is vented to the outside. Never use your stove or oven to heat your home; instead, use only certified space heaters. Allow at least three feet of distance surrounding space heaters.
Auto Accidents
As the weather turns cooler and the days become shorter, it’s critical to drive with additional caution. Rear-end collisions are one of the most common insurance claims throughout the fall season. It’s all too simple to rear-end the car in front of you when sight is poor and roads are slick.
Allow lots of room between your car and the one in front of you to avoid this. And, if you are in an accident, remember to file a claim with your insurance company. You can help make the fall season safer by exercising caution.
ID Theft
More people are shopping online to prepare for the holidays. Keep your identity safe. When in doubt, pay using credit rather than debit. Avoid using non-bank ATMs. Use a different password for each of your accounts. If you do not identify the sender, avoid clicking on links.
Leaf Burning
According to the Air Defenders, burning leaves releases harmful and cancer-causing chemicals, and they warn households to avoid disposing of leaves in this manner. Wear a protective mask if you opt to burn leaves. Burning leaves should only be attempted far away from a homeowner’s house or other structures on their property. Before beginning to burn leaves, always check the weather forecast. This activity should not be undertaken in strong winds.
While the massive national agencies spend millions on television ads and offer barebones policies, they do not know you. When your needs change or your situation complicates, you don’t want an automated phone tree or cold cyber-agent. You want to talk to compassionate, honest insurance experts, close to home, right here in Beavercreek, OH – that’s our team. You shouldn’t have to spend hours researching and comparing policies. Let the specialists at Reichley guide you through the complex insurance industry.
Call today to alleviate the worry and get covered – (937) 429-0655.
The Traits of A Good Insurance Agent
/in Agent, Business insurance, Insurance, RelationshipsSelling insurance is about giving customers, businesses, and individuals solutions to their risk issues. Misrepresenting the facts, or trying to sell a policy, does more harm than good to their customers. A good agent will not try to sell anything; they will listen and become a problem solver first. Then and only then might insurance solutions or options be provided.
When clients phones or emails, a timely answer is essential because they need the information to make decisions. When a client spends their money, they have a right to feel secure and content during the course of the business relationship. Through actively listening to and empathizing with our valued clients, agents can find success
Selling a policy is only one aspect of what it means to be an insurance agent. Agents must be able to provide a thorough understanding of all facets of the products and services they sell, as well as how each client’s situation may be addressed. The agent should be trained in all aspects of the risk management process.
Being a respectable member of the community is a must for running a successful insurance agency. We believe in fostering relationships and giving our neighbors access to resources because we are local leaders. To make the neighborhood a better and safer place to live, we collaborate with customers and businesses.
While the massive national agencies spend millions on television ads and offer barebones policies, they do not know you. When your needs change or your situation complicates, you don’t want an automated phone tree or cold cyber-agent. You want to talk to compassionate, honest insurance experts, close to home, right here in Beavercreek, OH – that’s our team. You shouldn’t have to spend hours researching and comparing policies. Let the specialists at Reichley guide you through the complex insurance industry.
Call today to alleviate the worry and get covered – (937) 429-0655.
2022-23 Presents New Cyber Risks For Your Business
/in Agent, InsuranceThe CIOVID-19 pandemic has affected businesses in a significant way. With remote workers and increased online purchasing, scammers are using some new and some old tricks to get your personal information.
Common Cyber Breaches
Ransomware. Ransomware is a data-encrypting program that demands payment to release the infected data.
Social Media. These kinds of attacks follow social interactions and will use your online data to steal your identity.
Cloud computing vulnerabilities. The global market for cloud computing is estimated to grow 17% this year. If you store any information on the cloud, you may be at risk.
Third party software. The top 30 e-commerce retailers in the US are connected to 1,131 third-party resources. The scammer will use these to obtain your information.
How To Prevent A Cyber Loss
What Cyber Insurance Can Cover
Restoration of Data: Covers the cost to replace or restore electronic data, programs, or software damaged or destroyed by a hacker attack.
Cost of Notification: Covers the cost of notifying parties whose data has been affected by a data breach.
Loss of Income: Covers income losses sustained by a business and extra expenses it incurs to restore its operations following a shutdown caused by a computer virus, hacker attack, or other covered peril.
Cyberattacks present a real threat to the safety and health of businesses today. Cybersecurity risks are mounting every day. But, purchasing cyber insurance does not need to be a confusing or stressful process. Call us today for more information.