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For most of the children in the Washington, the end of August means those lazy dog days of summer are coming to a close, and those books and desks are what will be opening up next. For parents, the back-to-school season is a great time of year to look over insurance policies, and make sure they are up to date. Here are some insurance situations to consider as the kiddos hit the books.
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Contractors are people, too. What does that mean? Well, even though they may have licenses and many years of experience in their profession, they are fallible. There are good ones and bad ones. Some are ethical and honest, while others seem to be missing a conscience. Just as you would be careful about choosing a nanny, a personal accountant, or a used car salesman, so should you use caution in selecting a contractor before you begin that home building project, renovation, or repair. Here are some good tips to avoid getting taken for a ride:
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Sometimes, what appears to be an impenetrably solid roof above your head actually has little openings through which the rain can leak. The same is true of some car insurance and homeowner's insurance policies; they can appear to provide sufficient coverage, but, in the event of an accident of some sort, you may find yourself drowning in debt. To avoid getting soaked by surprising expenses, use an umbrella; umbrella insurance, that is.
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With summer comes an intoxicating sense of freedom and fun-one to which grownups are not immune. Even those of us in the Washington who will continue with our usual 9-5 routines can't help but feel somewhat swept up in the magic of summer and all that it entails: the hot days, the shorts and sandals, the ample sunlight, and the barbecues. But summer also ushers in a new set of safety hazards that aren't as significant during the cooler seasons. With warm weather and even slight lifestyle changes come new threats to your personal safety. Be aware of the following summer safety hazards, and make sure you have a health insurance plan in place that will help to keep you healthy and financially secure in the event of an unexpected summer mishap.
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No one revels in the delights of summer like a kid. Washington schools are out, the sun is high and hot, and the long days are filled with light and the prospect of innumerable adventures. In fact, because there is so much potential for adventure-much of it unsupervised-many parents opt to enroll their kids in one or more summer camps in hopes that having a set schedule and a series of planned activities in which to participate will keep the youngsters out of trouble and, most importantly, out of harm's way. But summer seems to invite as many childhood accidents as it does moments of bliss, and no matter how structured a kid's summer is, a certain amount of mishaps are inevitable. The warm weather inspires a whole new slew of activities, many of which require an increased attention to safety on the part of both kids and parents. Use the following three tips to keep kids safer this summer:
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Home sweet home is an obvious place to give a good scrubbing once springtime in Washington arrives. It's time to wipe the grime out of every nook and cranny, wash the carpets and curtains, and pack away the space heaters and down blankets.
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If you are a business owner in Washington who pays for your employee's health coverage and sick leave, you have good reason to motivate these employees to stay healthy. Good employee health translates to good financial health for you and your business!
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Resolving to make improvements to your health and habits in 2013 can do more than just improve your longevity, your quality of life, your appearance, and your attitude; it can also work to put more money in your pocket! How? Well, in addition to all the cash you'll save by foregoing that daily double mocha with whipped cream, you can also reap the benefits of having decreased insurance rates. That's because many insurance providers will give you a break if you make changes for the better. For example:
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The invitations have been sent, the hors d'oeuvres ordered, the house decorated, and the liquor cabinet replenished. You're ready to host a fabulous holiday party! Before you open the front door to a flurry of friends and family, however, make sure that you have the necessary insurance in place.
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Most of us in Washington have insurance for our homes, cars or businesses. We know life insurance is part of any good financial plan and health insurance can protect us from catastrophic medical bills. But there are a few other programs that we come in contact with - we don't usually think of these programs as insurance, but they are.
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