Tag Archives: Business

Fall Maintenance Tips: Roofs


The Reno Agency wants to make sure your home or business is ready for winter. Yes, we know it’s not fall [yet], but we’re providing our readers with ‘Fall Maintenance Tips‘ so you can get started early and check off all your to-do’s before the cold weather settles in.


Autumn is the time to inspect your home or business for signs of wear or damage so you can fix problem areas before winter arrives. One of the key areas you should look at, especially after a summer with severe weather, is your roof. Most residential homes use shingles for their roof covering. The Insurance Institute for Business and Home Safety offers several tips on how to properly inspect your roof for signs of damage. Check out their tips here: Inspection Checklist: Roof Damage. Even if you’ve recently put new shingles on your roof, don’t assume you can skip this inspection. It’s a good idea to inspect your shingles annually to make sure they are holding up well.



roofline-68277_1280 by Pixabay

Business Insurance: Protecting Your Business’s Income


Insurance is generally purchased to protect against building loss, loss to contents or liability losses.


Unfortunately, it is the intangible exposures that we do not see and do not prepare for that ultimately can have the largest impact on our businesses.


Often the key to effectively recovering from a catastrophic event is loss of income coverage.


When making your insurance purchases, don’t forget to inquire about business income coverage. This coverage can insure against loss of earnings, rents and extra expenses you incur during the time it takes to restore your building back to its operational condition.


Added business income coverage can be obtained through optional endorsements. These endorsements can protect you from a business income loss that may have occurred due to an off-premises utility service failure or damage to a property of another company that you depend on to operate your business.


To have your business fully protected, business income coverage should be considered as part of your insurance package.


Contact the Reno Agency today at (269) 792-2232 to ask about this valuable coverage for your business.



Prepare Your Home or Business for Freezing Temps

Well, it’s finally December, even if there is no snow on the ground. Soon enough though, the freezing temps will arrive and we’ll all be bundled up for the winter months. When the outside temperature drops, the chance of a loss occurring for homes and businesses rises. The most important thing you can do to prevent losses due to cold weather is to be aware of what could happen and prepare for it. Before the snow falls is the best time to check your home or business for maintenance/repair issues so you can minimize the chance for loss when the snow piles up.

Remember the Metrodome stadium roof collapse in 2010? Don’t let a similar situation happen to you. Fox Sports – Metrodome Roof Collapses

The Insurance Institute for Business & Home Safety has a list of ways to prepare for water leaks, burst pipes, roof collapses, ways to prevent ice dams, and how to heat your home safely. This is a great website that offers excellent tips, so I highly recommend that you take a look so you can prepare your home or business for those freezing temps.

For Homes:


For Businesses:


Fire Protection Tips for Businesses and Residents

As the weather gets colder, it’s likely that we’ll turn up our heat and brace ourselves for the winter ahead. But because the use of heating systems increases during the cold weather months, so does the frequency of residential and business fires. In fact, more than 50,000 heating fires in residential buildings occur each year in the United States, a majority of which happen from November through March, according to the U.S. Fire Administration.

It is important that business owners and homeowners alike prepare their employees and families for potential fires, and practice important prevention habits. Grange Insurance, a Columbus, Ohio-based insurance company, offers advice on how to play it safe when it comes to fire.

1. Make sure you’re covered.

Homeowners, renters and business owners should ensure they have the proper insurance coverage in place in case of a fire. Most policies cover fire damage to residences or businesses, as well as personal belongings, but may have some limitations. In addition, most commercial insurance will protect business owners from liability if an employee is injured or loss of life occurs during a fire.

“Review your policy to ensure your personal property is covered, especially expensive items such as machinery or jewelry. It’s also important to understand whether or not your policy provides additional living expense coverage, which can help pay for you to stay in a hotel or temporary housing while your home is rebuilt or repaired,” said Ken Kozek, Vice President of Claims at Grange Insurance. “If you do not already have a homeowner, condo or renter’s policy in place, consider investing in one. As a business owner, it is imperative that you have a proper policy to protect against liability and property damage or loss.”

2. Practice makes perfect.

It only takes minutes for a house or business to become engulfed in flames, making a planned escape route a necessity. Plan an escape route and post it where everyone can easily find it. Practice your route at least twice per year at different times during the day, especially with children or people with disabilities.

Designate a meeting spot a safe distance from your home or business, such as a tree across the street, so you can assure everyone made it out safely. Alert the fire

department if someone is missing or if pets are trapped so they can perform a rescue safely.

3. Fire-proof your home or business.

Stop the fire before it starts by eliminating potential hazards in your home or business. Equip yourself with fire extinguishers, regularly tested smoke alarms and sprinklers. Keep curtains, towels or any items that can easily catch fire at least three feet from heaters. Business owners should also consider posting “No Smoking” signs around machinery and flammable materials to alert employees of potential danger.

It is also important to protect important papers including birth certificates, property inventory and proof of its value, such as receipts, titles and appraisals.

“In the case of a fire, business owners may be required to show proof of property value to ensure full coverage from their insurance policy,” said Kozek. “Make copies of all your important documents, and keep the originals in a bank safe deposit box outside of your business.”

4. Memorize emergency contact information.

Make sure that everyone in your home knows how to dial 9-1-1. Business owners and families should also post emergency phone numbers in a central place such as on the refrigerator or in the break room so they are easily accessible.