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Winter IS coming, but that doesn’t have to be a bad thing. With proper preparation, your property and building can be protected from all the damaging effects of colder temperatures and winter weather risks.
Winter is a higher-risk season for businesses in all industries. Cold, wet and icy weather conditions can be extremely harsh on structures and buildings. Plus, winter hazards, like icy and snow-covered walking paths or parking areas pose significant risks at properties of all kinds. Beware of these common winter weather risks and exposures:
Like with seasonal home maintenance, winterization steps need to be taken to protect your commercial property through the cold, winter months. Every step you take can save money and repairs down the road. So, start now, and check the list twice.
At Kemmons Wilson Insurance Group, we’re all about mitigating the risks you face as a commercial property owner. But, we get it — sometimes things happen that you did not anticipate at all. We’re here to be sure you’re protected when things go wrong. Contact us, and we can discuss protection against the unexpected events that winter weather may bring.
Did you know that hotels are among the most affected cyberattack victims? Affecting everything from major multinational corporations to single properties, more than a dozen data breaches have been reported by hotels since 2010. Likewise, $2.94 million stands as the average total cost of a data breach in the hospitality industry from 2021 to 2022. Continue reading
Business income insurance, also known as business interruption insurance, helps cover the loss of business income if you are unable to operate due to damage sustained due to a covered cause of loss. For hotels and resorts, some commonly covered perils include property damage caused by fire, lightning, tornados, hurricanes, and water damage. Continue reading
By: Richard Healy, Commercial Account Manager at Kemmons Wilson Insurance Group
Fire can wreak havoc on commercial property, yet fire legal liability coverage is often an overlooked coverage. If you are a business owner leasing space, it’s time to pull out your lease agreement and review the insurance clause – especially the fire damage legal liability. Continue reading
Natural disasters are becoming more widespread and severe. Did you know that 2020 and 2021 were the worst years on record for the most natural disasters? Continue reading
Golf courses face a wide variety of risks. Golf.com said it best in a recent article: “No golf course is safe from Mother Nature or human negligence.”
In fact, we unfortunately witnessed just how damaging Mother Nature could be earlier this year when a fire ravaged the historic Oakland Hills Country Club just outside of Detroit, Michigan. The fire resulted in more than $80 million of damage to its clubhouse. Continue reading
Hotels, resorts, and restaurants – we have good news and bad news. Let’s start with the good news, shall we? For the first time since the start of the pandemic, travel spending was 3 percent ABOVE 2019 levels in April 2022. Plus, 28 percent of travelers plan to spend significantly more this summer. The bad news is that, of course, with more guests visiting and making plans to visit your hotels, resorts and restaurants, the more risks you face. Continue reading
The summer heat has arrived in full force as a scorching heat wave sweeps across the country. We’re just halfway through the month of June, and temperatures are already ranging from 10 to 30 degrees above normal for this time of year. Yikes! And, unfortunately, there is no sign of relief in sight. In fact, meteorologists predict that much of the country will continue to see above-normal temperatures through August. Continue reading
“We’re hiring” signs remain in windows and job advertisements continue to flood our feeds – it’s no secret that the labor shortage continues to torment employers and their workforces. In fact, new data reveals the nation’s worker shortage crisis is actually getting worse… Continue reading
A career in insurance generally gets a bad rap: It’s a humdrum, 9-5 desk job, it’s repetitive, it lacks purpose, it’s too sales-oriented, the work environment is uninspiring and the industry hasn’t changed in decades… Continue reading
After more than 70 years in the insurance business, Kemmons Wilson Insurance Group (KWIG) has worked with established businesses, start up companies and everything in between. We have the expertise required to devise a new insurance program together, as well as the forte to look with fresh eyes at an existing program in order to customize it for today’s challenges and risks.
Are you interested in working with a new insurance agent? Here are 4 reasons to choose KWIG based on feedback we have received from real clients: Continue reading
Flowers are blooming, the days are growing longer and the weather is warming up. Yes, spring is finally here! Before you get busy enjoying the spring weather and festivities, be sure to check off these home maintenance chores to prevent costly home insurance claims.
Working from the outside in, here are 7 tasks to add to your spring cleaning checklist.
Clogged gutters and downspouts can impair the exterior of your house. Foundation damage, rotted wood, roof leaks, water spots, basement leaks and insect infestation are a few of the issues that are often caused by neglected gutters. Empty your gutters and dispose of the overflow of leaves, limbs and other debris to prevent these problems from arising.
Harsh winter weather can compromise your roof and siding.While cleaning the gutters, inspect your roof for any damage. If you notice areas of sagging or any missing shingles, contact a roof repair service for further inspection.
Be sure to remove dead trees and trim limbs and bushes away from healthy utility wires. Make sure outlets, fuse boxes and extension cords are not overloaded. It’s also common for pests to infiltrate your home during winter months and gnaw on electrical wiring. Any frayed and detached wires are a fire hazard, so be sure you have these repaired by an electrician.
Moving on to the inside of your home, it’s important to check the condition of the caulking in your bathrooms, kitchens, doorways and windows to ensure they are properly sealed. Caulk often deteriorates over time, and cracks in your caulk can quickly lead to leaks. By re-caulking when necessary, you can prevent costly water damage claims.
Even if you consistently clean the lint from your dryer lint trap, lint could still be infiltrating and lingering in your vent duct. Lint buildup makes your dryer less effective and is a common cause of home fires. Not sure how? Here’s a step-by-step guide to cleaning out dryer vent ducts.
Speaking of fires, properly functioning smoke detectors are essential for protecting your family in the event of a house fire. Is it time to change the batteries in your smoke detectors and carbon monoxide detectors? Now is a great time to check!
Are your light bulbs the correct wattage as recommended by the manufacturer? When a light bulb burns out, most people simply grab whatever spare light bulb is available. There is danger in this careless action because light fixtures carry a maximum wattage rating, and if the bulbs exceed this rating, the fixture could overheat. Learn how to match bulb wattage to light fixtures here.
Routine home inspection and maintenance tasks like these ensure that your home is in good working order, help to keep your family safe, minimize maintenance expenses in the long run, and prevent home insurance claims.
At Kemmons Wilson Insurance Group, we’re all about mitigating the risks you face as a homeowner. But, we get it — sometimes things happen that you did not anticipate all because Murphy had a law. We’re here to be sure you’re protected when things go wrong. Contact us, and we can discuss protection against the unexpected.