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Our homes may be the largest investments in our lifetime. Along with that investment should come the peace of mind that if anything ever damaged your home it would be covered and you would not have to worry. That is why we all have homeowners insurance! Whether it’s your first home or the fifth time you’re moving, you do not want to worry about whether something could happen to the place we spend most of our life. Not only are we usually required to have homeowners insurance homeowners insurance also provides many benefits if disaster should strike. Luckily enough, homeowners insurance does not only coverRead More →

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Auto insurance may feel like a hassle at times. The monthly or yearly payments may seem like they’re a ticking time bomb in your account, until they come in handy. Unfortunately, accidents and roadway collisions may occur whether we are careful or not. That is why you can’t ignore auto insurance, but you can try some tips to save you a few extra dollars! First, you want to look at the car you drive. Whether it be a beater you run around in or a sweet Mustang you want to show around town, your choice of car will ultimately affect your premiums. An easy andRead More →

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Ensuring your employees’ workplace safety is key for the health of your business. It is not something that you should neglect, and if you are in an industry that has high risk for employee injuries if not trained properly, you need to worry about that. Well trained employees know how to use their equipment properly without risking their own safety or the safety of anyone around them. With these thoughts in mind, having a workplace safety course set up that each of your employees must go through is important. Also, safety training ensures an employee knows how to use their machinery properly before they useRead More →

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It is important to be prepared in the event of a disaster. No matter the size or type of disaster, it is vital to make sure there is a plan in place for your business. Below are a few things you can do today to prepare your business for a disaster. First and foremost, purchase commercial insurance to protect your business. Take a look at our previous blog on what type of insurance you should have for your business. Have first aid kits and safety equipment on site. Take a day to train your employees so they know how to use them. Having your staffRead More →

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So, you own a business or are thinking about starting a business and you are wondering what commercial insurance do I really need? We wanted to help you determine what commercial insurance you need by providing you with some important information on each. Let’s discuss… General Liability Insurance – This type of insurance is important, no matter what type of business you own. It will protect you if your product or services cause any bodily injury or property damage to a third party. Property Insurance – Do you own your building that your business is in? Or do you rent a location and have equipment,Read More →

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Workplace Safety is essential to implement in your office. No matter what type of industry your business is in, it is still very important to have a workplace safety policy and guidelines. Here are a few guidelines your employees should already know; if not, contact Advocate Insurance to discuss what workplace safety guidelines you need. Guideline 1 – Know Your Surroundings This holds true for every employee. They need to know what is in their surroundings and what may end up being a potentially hazardous situation. Guideline 2 – Take Your Breaks While employers in Pennsylvania are not required to give their employees breaks, itRead More →

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We live in an age where Violence lives among us. Whether schools, business, worship, or community events, the threat of being part of an Active Shooter event requires preparation and training. Did you know that OSHA requires Active Shooter planning as part of the Facility Emergency Plan? And your Insurance coverage may now exclude coverage for such situations? How you and your organization can better prepare for a potential event – Planning and training are a critical part of surviving an active shooter/armed intruder attack. We recommend any size organization address these four critical planning and training steps to prepare for a potential event: PerformRead More →

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We don’t often think about insurance coverage until we need it. With the recent events and news coverage, here’s an update for Gun Owners and Business Owners alike. AS A GUN OWNER: Most homeowners’ policy covers many types of liability claims that can include gun-related accidents. “Accident,” here, is key. Under a traditional HO-3 form there is no specific gun-related exclusion. There is, however, an “Expected or intended injury” exclusion, which itself contains an exception for “use of reasonable force by an ‘insured’ to protect persons or property.” Therefore, under the HO policy some coverage: would be available for the accidental firing of a gunRead More →