Home Insurance: Your Fall To-Do List

Home Insurance: Your Fall To-Do ListHome Insurance: Your Fall To-Do List

Fall is here and October is the perfect month to finish up on all those home improvement projects and to-do lists. Since summer is over and the kids are back in class, Zillow has provided some suggestions to your fall checklist (and an extra fall to-do tip about finding the best rate on your home insurance policy).

Fall Home Improvement Tip #1 – In the garden Add color to your garden. Maintaining your garden for fall may just be the important point to take from this post. By trimming back trees and bushes; not only will it reduce the amount of dead leaves on the ground, but it will help prevent any fire hazard which may occur, it will reduce the mess. Another important tip is to fertilize your lawn- it will provide your grass with the nutrients required for the winter.

Fall Home Improvement Tip #2 – Fall-seasonal jobs When fall rolls around, certain things should have to get done. Have your heating system serviced with a filter change. Basic heating maintenance will ensure you have a warm space once winter arrives. Drain the hot water heater and remove the sediment from the bottom of the tank.

Fall Home Improvement Tip #3 – Required Home maintenance Check the exterior of your home. Things such as worn shingles on the roof, leaks around skylights, vents, and chimneys can cause major headaches it not appropriately fixed. Areas to check for leaks include door and window frames, around heating units, and openings around drainpipes in bathrooms and kitchens. Lastly, clean out your gutters. Cleaning your gutters is one home improvement tips that will probably be the most disastrous if not taken care of.

Fall Home Improvement Tip #4 – How to organize your garage A Garage is not a synonym for storage space. It seems often enough that garages become the ideal spot for storage. Now is the time to restore order before winter so you can park your car somewhere warm. While cleaning out your garage, trash unnecessary items by indulging in a garage sale or donating it to charity.

Fall Home Improvement Tip #5 – Review your Homeowners Insurance Policy

The professionals at Sinclair have been our clients’ trusted agents for more than four decades, enabling homeowners to protect their biggest investment. Through the relationships we’ve developed with the finest insurance companies in the nation, we can custom-build a home insurance policy for your property.

Employee Benefits: Benefits of a Healthy Workplace

employee-beenfits-Benefits-of-a-Healthy-WorkforceEmployee Benefits: Benefits of a Healthy Workplace

There is a flurry of activity regarding our health. Between the healthcare reforms, obesity crisis, fast food availability, there are thousands of articles, experts, and institutions all discussing healthcare, our health, and what can be done to improve it. But what exactly are the benefits of maintaining a healthy workplace?

The cost of employee health benefits has grown by double-digit percentages. As a workforce, we are expensive to hire, train, and retain. A healthy workforce holds huge benefits for employers and employees. Healthy employees reduce absenteeism, are more productive, and enjoy a better quality of life overall.

According to the Centers for Disease Control and Prevention almost 75% of our health-care spending is for control of chronic diseases. Of those chronic diseases, four health risks- tobacco use, excessive alcohol use, poor nutrition, and lack of physical activity- are responsible for much of that disease.

The heavy costs put pressure on both the public and private sector to rein in health costs and help keep a healthier workplace. For example, several states are implanting wellness incentive programs- in Rhode Island, 65% of employees chose to work to reduce their health insurance costs, according to Governing. They are costing the state less than half of what those who chose not to participate have.

The incentive program relies on employee participation to reduce their risk of chronic disease. It involves not only health treatments, but encourages overall lifestyle changes. Other approaches include offering fitness classes to workers, or nutritional education courses.

At Sinclair Risk & Financial Management, we can help provide you with a proprietary Wellness Program designed to promote health employee lifestyle choices along with a strategy to create and sustain these behaviors. Our program also augments consumer-directed health plans, such as HSAs, which reward participants for making more consumer-oriented health decisions. Contact us today for more information employee benefits & the benefits of a Healthy Workplace.

Source: MSN Money

High-Value Insurance: Match Your Coverage with Your Lifestyle

High-Value Insurance: Match Your Coverage with Your LifestyleHigh-Value Insurance: Match Your Coverage with Your Lifestyle

When you sit down to assess your finances, file tax returns, or examine your retirement fund, take a moment to look at your lifestyle. The lifestyle you’ve worked so hard to provide is a huge luxury. But high end luxury lifestyles also come with risk too. In risk assessments it is essential to examine your lifestyle, from your classic car, your exotic auto to your wine collection, yacht & any other hobbies you enjoy. Ensure you are properly protected with our high-value insurance.

Own an exotic or classic car? Purchasing an exotic or collector car can be a fulfillment of a dream for many. Whether you are looking for a restoration project or to speed down the highway, classic and exotic cars require significant dollar investments. And because of the high end luxury design of the car, its unique qualities also requires specialized exotic car insurance.

Art collector? Your existing coverage might include some coverage- however it is almost certain that as an art collector you will need supplemental art insurance to protect your investment. Make sure to get your art regularly appraised so you know their financial value and the amount of coverage you’ll need.

Diamonds & pearls? Jewelry insurance is an often overlooked item- sadly, many do not think to insure it until it is lost or stolen. The price of gold changes constantly, and your antique ring or necklace may be worth a lot more than it was 20 years ago. That would mean it’s more expensive to replace as well. That is why jewelry insurance is crucial.

Yacht owner? Among watercraft, yachts are a high end, distinctive type of private vessel that requires detailed knowledge and specialized coverage. Yachts need specific coverage that standard marine policies don’t always offer. When your vessel is a motor yacht, mega yacht, or something in between, it is essential to get specific Yacht Insurance coverage that provides you with full coverage of your vehicle.

For more than four decades, Sinclair Risk & Financial Management has forged relationships with insurance providers that specialize in providing high-end coverage. We have access to particular markets that enable us to craft custom homeowners and auto insurance programs that reflect the true value of your property, your risk profile, and your personal circumstances throughout the world. Contact us today for more information about our high-value insurance programs. 


Long-Term Care Insurance: Not Just for the Elderly

Long-Term Care Insurance: Not Just for the ElderlyLong-Term Care Insurance: Not Just for the Elderly

Long-term care insurance is typically thought of as an insurance resource typically reserved for the elderly.

According to Benefit News, the American Association for Long Term Care (AALTCI) is challenging that idea. The numbers understandable skew towards the elderly. However, many younger adults are taking advantage of long-term care benefits.

The AALTCI argues that certain conditions that require long term are aren’t necessarily always associated with aging.

“People often mistakenly associate long-term care solely with nursing home care required by the elderly,” says Jesse Slome, AALTCI’s director. “After purchasing insurance coverage, younger individuals have accidents and are diagnosed with health conditions that result in the need for care for months and often years.”

In the AALTCI’s review of data from leading long-term care insurance companies, the youngest person to obtain coverage was age 28. A number of additional insurers reported younger claimants in their 30’s.

Long term care insurance is designed to protect your savings in the event that you can no longer earn an income. Most of the time it affects the elderly. But there are hundreds of different scenarios that could affect your income and quality of living. You may have heard of a friend’s husband who became ill and had to dip into their savings for long-term care.

Many are not prepared to handle the expenses that are incurred if a family member suddenly needs long term car. Many have to tap into their savings, and it can affect your quality of living, and your family’s financial situation.

Taking action now can protect you against the future by protecting yourself and your family. Contact Sinclair today for more information about Long Term Care insurance.

5 Simple Tips to Protect Your Business Against Data Loss

5 Simple Tips to Protect Your Business Against Data Loss5 Simple Tips to Protect Your Business Against Data Loss

Data loss can be a nightmare for businesses. Yet a recent study by Symantec found that 57% of small businesses have no data recovery plan in place. Inaction can have serious financial consequences for business owners. Mashable recently compiled some tips on to protect your business against data loss.

Protect Your Business Against Data Loss Tip #1 - Prep now. Make a disaster plan. Create an emergency action plan for all data associated with your business. Create an inventory of your business storage-based hardware. You should have a clear understanding of what your company’s data means to your business. Identify the risk factors in your area. By identifying potential risk factors you can better protect your data.

Protect Your Business Against Data Loss Tip #2 – Back up all files. This might seem obvious, but a system should be in place to make sure you back up all of your data. Create a structured procedure to make copies of all critical data files. Don’t just do it once and forget about it. Back up your data regularly to ensure it’s current. Test the backups periodically to verify the data is being backed up properly.

Protect Your Business Against Data Loss Tip #3 - Educate. Once you have your disaster plan and have inventoried your business data, the next step is to communicate the policy to your employees. The more they know, the better able they will be able to help protect data loss.

Protect Your Business Against Data Loss Tip #4 - Missing Data? Examine all options. Don’t panic if something is missing. Check all possible fields on your computer- sometimes the simplest answer ends up being the solution.

Protect Your Business Against Data Loss Tip #5 - Get professional help. If you do experience a data loss, get professional help. Trying to recover the data using diagnostic or repair tools if you don’t have the expertise could only make it worse. Invest the money in a reputable data recovery vendors.

Sinclair Risk & Financial Management is not your typical independent insurance agency. We tailor commercial insurance products to protect your business against unforeseen losses – and we’re excellent at doing so. But we go way beyond just the policy.

Our goal is to help mitigate losses in the first place to protect the value you’ve created in your business – whether you’re a large construction company, multinational food processor, or a local enterprise. As your advisor, we’ll make a tangible difference to your business by providing you with a better understanding of the exposures and liabilities that exist in your daily operations and implementing programs to safeguard against them, minimize losses, reduce claims, and ultimately provide significant opportunities for savings.

5 Simple Driving Safety Tips You Need To Know

5 Simple Driving Safety Tips You Need To Know5 Simple Driving Safety Tips You Need To Know

Car accidents are a leading cause of death in the United States. So take a moment to read these driving safety tips by the American Medical Association to help keep you and other drivers safe on the road.

Driving Safety Tip #1 – Drive with care. Plan your trips ahead of time when possible. Try to avoid heavy traffic and decide what time to leave, and what roads to take. Always wear your safety belt and drive at the speed limit.

Driving Safety Tip #2Take care of your car. Make sure you always have plenty of gas in your car, and make sure you tune it up regularly. Keep your windshields and mirrors clean and replace your windshield wiper blades when they become worn out.

Driving Safety Tip #3 – Know where you can find a ride. There may be a time where you don’t have access to a vehicle. Have some alternatives planned so you don’t find yourself stranded. Your alternative transportation plan could include rides from friends and family, taxis, bus or train, or a shuttle.

Driving Safety Tip #4 – Take a driver safety class. The best way to avoid driving hazards is preparation. Driving safety classes can teach you skills to use when you are on the road to make sure you and your passengers arrive safely at your destination.

Driving Safety Tip #5 – Drive distraction free. The National Highway Traffic Safety Administration estimates that drivers are distracted by secondary activities 30% of the time while driving. These distractions can include everything from eating, smoking, talking, drinking, or fiddling with electronics in the car. The NHTSA estimates that 80% of crashes involve some form of driver distraction that reduces driver safety. Being aware of these distractions, and avoiding them while on the road can help reduce your risk.

Sinclair Risk & Financial Management maintains that packaging a sound personal Auto plan is only the beginning of the client relationship. Our team of friendly, professional experts takes time to find out what drives you when you drive your car, enabling us to suggest meaningful strategies to mitigate many of the associated risks on or off the road. Contact us today for more information.