Winter… It’s on the doorstep… Time to prepare! Here are some tips from our friends at Nationwide:
As we begin to recover from Florence, TriSure is ready to assist you in handling your claims. Please feel free to contact us at 919-469-2473 or 800-277-7702. You can also reach us at firstname.lastname@example.org. Here is a list of our carrier partners and their claim contact info should you prefer to report this directly to them:
Build A Kit
Make sure your emergency kit is stocked with the items on the checklist below. Most of the items are inexpensive and easy to find, and any one of them could save your life. Headed to the store? Download a printable version to take with you. Once you take a look at the basic items, consider what unique needs your family might have, such as supplies for pets, or seniors.
After an emergency, you may need to survive on your own for several days. Being prepared means having your own food, water and other supplies to last for at least 72 hours. A disaster supplies kit is a collection of basic items your household may need in the event of an emergency.
Basic Disaster Supplies Kit
To assemble your kit, store items in airtight plastic bags and put your entire disaster supplies kit in one or two easy-to-carry containers such as plastic bins or a duffel bag.
A basic emergency supply kit could include the following recommended items:
- Water – one gallon of water per person per day for at least three days, for drinking and sanitation
- Food – at least a three-day supply of non-perishable food
- Battery-powered or hand crank radio and a NOAA Weather Radio with tone alert
- First aid kit
- Extra batteries
- Whistle to signal for help
- Dust mask to help filter contaminated air and plastic sheeting and duct tape to shelter-in-place
- Moist towelettes, garbage bags and plastic ties for personal sanitation
- Wrench or pliers to turn off utilities
- Manual can opener for food
- Local maps
- Cell phone with chargers and a backup battery
Download the Recommended Supplies List (PDF)
Additional Emergency Supplies
Consider adding the following items to your emergency supply kit based on your individual needs:
- Prescription medications
- Non-prescription medications such as pain relievers, anti-diarrhea medication, antacids or laxatives
- Glasses and contact lense solution
- Infant formula, bottles, diapers, wipes, diaper rash cream
- Pet food and extra water for your pet
- Cash or traveler’s checks
- Important family documents such as copies of insurance policies, identification and bank account records saved electronically or in a waterproof, portable container
- Sleeping bag or warm blanket for each person
- Complete change of clothing appropriate for your climate and sturdy shoes
- Household chlorine bleach and medicine dropper to disinfect water
- Fire extinguisher
- Matches in a waterproof container
- Feminine supplies and personal hygiene items
- Mess kits, paper cups, plates, paper towels and plastic utensils
- Paper and pencil
- Books, games, puzzles or other activities for children
Maintaining Your Kit
After assembling your kit remember to maintain it so it’s ready when needed:
- Keep canned food in a cool, dry place.
- Store boxed food in tightly closed plastic or metal containers.
- Replace expired items as needed.
- Re-think your needs every year and update your kit as your family’s needs change.
Kit Storage Locations
Since you do not know where you will be when an emergency occurs, prepare supplies for home, work and vehicles.
- Home: Keep this kit in a designated place and have it ready in case you have to leave your home quickly. Make sure all family members know where the kit is kept.
- Work: Be prepared to shelter at work for at least 24 hours. Your work kit should include food, water and other necessities like medicines, as well as comfortable walking shoes, stored in a “grab and go” case.
- Vehicle: In case you are stranded, keep a kit of emergency supplies in your car.
TriSure will be there for you in the event of a storm. Our staff is ready to help you get your claim reported promptly and handled as quickly as possible. While you can always call us at 919-469-2473, here is a list of numbers for our insurance partners as well.
Final Rule Issued to Improve Tracking of Workplace Injuries and Illnesses – July 1, 2018 Deadline
The deadline of July 1, 2018, when specific employers must electronically submit information from their 2017 OSHA Form 300A, is quickly approaching.
Companies with 11 or more employees, whose individual establishments (generally single physical locations) are not partially exempt from keeping OSHA injury and illness records (see OSHA Fact Sheet 3746) — and who meet OSHA’s establishment level triggers (250 or more peak employees during 2017 at a location in any industry or 20 or more peak employees in certain “high hazard” industries) — are required to report 300A data for the affected locations. “Employees” in this context include part-time, seasonal and temporary employees supervised on a day-to-day basis.
The injury tracking application can be found on the OSHA ITA website. Once the account has been created, data can be manually entered on a web form. Business owners with multiple locations and/or a large amount of data may want to upload a CSV file to process single or multiple establishments at the same time.
Further instructions on how to file can be found on the OSHA website.
OSHA had previously required reporting of location data only for locations in Federally administered and State administered OSHA plans that had adopted the new requirements. Federal OSHA has now asserted that employers in all States, including States that have not adopted the Federal regulation are required to report using the Federal ITA portal. States that initially did not adopt the federal regulation are as below. Businesses with operations in these states that are required to report should check the status of their State’s adoption.
- California (Cal/OSHA)
- Washington (WA DLI, WISHA, or DOSH)
- Maryland (MOSH)
- Minnesota (MNOSHA)
- South Carolina (SC OSHA)
- Utah (UOSH)
- Wyoming (WY OSHA)
- Vermont (VOSHA)
Tropical Storm Alberto shows us again that Tropical Weather does not necessarily follow the calendar, arriving in the US before the official beginning of the 2018 season. All the more reason to get ready now for what is expected to be a near-normal season of perhaps five to nine hurricanes with a total of 10 to 16 named storms . But for those of us who have made North Carolina home for years, we know that sometimes the chance of winning the lottery is better than accurately predicting our storm seasons.
Here is a great link to www.Ready.gov with lots of information to peruse as you prepare, from general knowledge about hurricanes to preparing a plan for you and your neighbors. https://www.ready.gov/hurricane-toolkit.
And in the event of a storm, TriSure will be ready to assist you. Our staff will help you get your claim reported promptly and handled as quickly as possible. And while you can always call us at 919-469-2473 to get your claim in process, here is a list of numbers for our insurance partners should you prefer.
Most of us worry about Distracted Driving in others, but feel “we” can use our smartphones safely…
Learn more about the risks and how you can stay safe behind the wheel at PropertyCasualty360.
The North Carolina Reinsurance Facility (NCRF) has recently announced that effective October 1, 2018 through September 30, 2019 ALL commercial automobile policies written and renewed in North Carolina will be surcharged 14.61% of their automobile liability insurance premiums. This is a surcharge levied by the NC Reinsurance Facility and none of this money is kept by the insurance companies. All insurance companies licensed to do business in NC are required to assess this surcharge. This is a significant increase and we wanted to alert you now for budgeting and planning purposes.
The NCRF is basically the “ceded” automobile facility for NC automobile insurance. In other words, this is where the difficult/poor performing/undesirable risks obtain auto liability insurance. Many people liken this to the “Assigned Risk” pool only for auto liability instead of Workers Compensation.
According to the NCRF website, (www.ncrb.org) their results for this auto business have deteriorated rapidly over the past few years. Most insurance carriers have also noted that standard commercial and private passenger results have been steadily declining. Reasons cited include 1)distracted driving, 2) higher number of vehicles on the road/congested roads, 3) increased medical costs, and 4) increased repair costs due to more expensive parts, systems, etc. While all these reasons have led to steadily increasing auto rates, an assessment/surcharge of this significance has not been seen by us before. We hope this is a one-time, one year assessment, but have no way of predicting what will happen in late 2019.
In the meantime, we have seen a few “less than accurate” comments spread to our clients so we wanted to get a factual list of bullet points as a basis of reference.
1. This is a mandatory surcharge that ALL NC licensed insurance carriers will collect and pay to the NCRF.
2. This is for commercial autos, and the 14.61% will be applied to the premiums for liability, medical payments, uninsured and underinsured motorist coverage. (not against comprehensive or collision)
3. No agent or carrier has a “special” program or carrier to get around this.
4. This is not considered an increase by the insurance carriers and they will not retain any of this premium. The dollars paid for the surcharge do not apply to your loss ratio.
5. The surcharge will apply for one policy year, starting with your first renewal, on or after October 1, 2018.
6. Carriers are still struggling with exactly how this surcharge will be shown on your renewal policies, etc. However, the charge will be there. No carrier could possibly afford to absorb this and any expectations or comments from individuals that they will, are not credible to the best of any reasonable persons expectations.
Please do not hesitate to call us with any questions or concerns in this matter. We will keep everyone appraised if any new information becomes available.
It’s not just the self-driving cars that are getting new safety features. See this article from our friends at Claims Journal on how your new car may benefit from the self-driving technology.
Like it or not, Self-Driving Vehicles are coming, and they might provide some changes you haven’t thought of. Here is a good article on what we might expect from our friends at Claims Journal:
In addition to steps you can take to keep your home safer during the winter, here are some great project ideas to better your home inside and out. Check out this great guide from Angie’s List:
Protect yourself and your family this holiday season with these great reminders from www.propertycasualty360.com.