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Are You Covered?
  • Notable Omissions/Limitations in Your Home Insurance Policy
    Do you know what types of losses your home insurance policy will cover? Perhaps more important, do you know what types of commonly occurring losses it will not cover?

    Knowing the limitations in your policy is the first step to finding the fix. Following is a list of commonly occurring events or exposures that can cause significant financial damage to you and your family. What do they all have in common? Coverage for them is either limited or excluded under a typical home insurance policy.
  • You Posted What!? Teens, Social Media and a Parent’s Liability
    Jealousy. Passion. Betrayal. No, not the latest television drama, but high school. For many the high school experience comes with social pressures and obligations to fit in and belong, and sadly this can lead to exclusion and isolation of some students. At some point we all probably said something in our teen years in the heat of the moment that we wish we could take back, but today’s teens face the added burden that if they convey those statements on social media sites like Facebook and Twitter, their words could be around for a lot longer than just the heat of the moment. 
  • Avoid a Bracket Busting Claim: Insuring Special Events
    It’s time for March Madness! Are you planning a blowout that will make render an entirely new meaning to “bracket busting?” Has your neighborhood community center asked for a either a hold-harmless agreement or a damage deposit exceeding your current mortgage payment?

    Welcome to the world of personal event risk management!
  • A Little Less than Supercalifragilisticexpialidocious: Insurance and Tax Issues with Nannies and Housekeepers
    With more and more families every year having both parents work full time, there has been an increasing need for help around the house with childcare and chores like cleaning, laundry and running errands. If you’re hiring household help it’s important to understand how having domestic workers (including nannies, housekeepers, caretakers, etc.) around your home can impact not only your insurance coverage- both your auto and your homeowners- but also how it could have tax implications for you. If you don’t understand these issues, the result could be something quite atrocious.
  • Flood Safety Awareness Week
    March 12-16th is Flood Safety Awareness Week, and as we move from winter into spring the risks of flooding can go up, and it’s not just those in high risk flood zones who are vulnerable. Here’s some information on evaluating your flood risk and how you can protect your home with flood insurance.
  • One Roof
    Eliminating the chaos that comes along with managing so many different policies is a major advantage of using a Trusted Choice® insurance agent. Placing your business insurance through a Trusted Choice® agent brings someone onto your team who can bring calm to your multi-policy chaos. Consider the following advantages to keeping all of your business insurance needs under one roof.

  • Love Your Valentine's Day Gift?  Insure It!
    Valentine’s Day is upon us, and thoughts of people everywhere turn to… jewelry.
    Those who don’t buy shiny things for Valentine’s Day may prefer other types of valuables, such as electronics, artwork, antiques, wine and furs. All totaled Valentine’s Day spending will tally approximately $17.6 billion of retail sales, with $4.1 billion of that being spent on jewelry, according to the National Retail Federation’s 2012 Valentine’s Day Consumer Trends report.
  • Party Host Liability Tips
    In the midst of the festive and hectic holiday atmosphere, it is easy to forget the serious responsibility involved with hosting a party at your home or business. In many states, individuals and employers hosting holiday parties can be held liable in cases where a guest or third party is injured in an accident related to alcohol consumption at your event. Hosts have been held responsible for medical bills, vehicle repair costs, lost time from work, and even wrongful death.
  • Safety Tips for Decking the Halls
    Haul out the holly, string up the lights, and hang the stockings by the chimney (with care)! The holiday season is finally here, which means it’s time to deck the halls with all kinds of festive decorations.
  • Manage the "Four C’s" of Winter Fire Risks:
    Thanksgiving, Christmas, and New Year’s Eve—these holidays mean celebrations, many of them in decorated homes filled with merry-making family members and friends.
  • Tis the Season for Holiday Parties... and Food Poisoning
    The holidays are almost here, which means hauling out the holly, stringing up the lights, and dashing through the snow. The holidays also mean lots of fun, festive parties to celebrate the season. These celebrations usually feature an array of delectable foods and tasty drinks that are dangerous to your waistline, but if you’re hosting a party, you have more to worry about than added pounds or lumpy gravy.
  • Hosting a Super Bowl Party? There Could Be More than Team Pride on the Line
    Hosting a Super Bowl party is a great way to cheer on your team if you can’t make it to the stadium in Indianapolis this Sunday, but make sure you know and manage the risks of hosting the big game day party. In many states, individuals hosting parties can be held liable in cases where a guest or third party is injured in an accident related to alcohol consumption at your event. Hosts have been held responsible for medical bills, vehicle repair costs, lost time from work, and even wrongful death.
  • Safety Tips for Black Friday Shoppers
    The day after Thanksgiving, also known as Black Friday, is the biggest shopping day of the year.  When it comes to cashing-in on the day’s deals, the motto is “If you snooze you lose.”
  • Lights Out:  Frozen Pipes & Spoiled Food
    You’re hosting the party for the big game. The invitations are out, responses are in and it’s going to be a big one. Your shopping is done and the refrigerator and freezer are stocked with the finest party fare money can buy.
  • Does Volunteering Your Time Mean Volunteering Your Insurance?
    Millions of Americans donate time—their most valuable asset—to serve as a volunteer board member on non-profits, booster clubs, churches, PTAs and civic organizations, just to name a few. The decisions these folks make can have a dramatic impact on their respective organization—and not always for the better. If a volunteer endeavor goes bad, would a volunteer board member have coverage against a lawsuit under his or her homeowner’s policy?
Safety Tips for Black Friday Shoppers
The day after Thanksgiving, also known as Black Friday, is the biggest shopping day of the year.  When it comes to cashing-in on the day’s deals, the motto is “If you snooze you lose.”

Many stores will open at 12:01 a.m. on Friday and some retailers will even open their doors on Thanksgiving eve in hopes that they can entice people out of their post-turkey dinner food coma. For serious bargain-hunters, the day is the ultimate shopping extravaganza that requires a strategic plan, including store maps and item locations, that’s hatched days in advance. Others take a less organized approach, but are still hungry for a deal or this year’s hottest holiday toy. 

The combination of too-good-to-be-true deals and shoppers hopped up on copious amounts of caffeine and tryptophan can be dangerous, though. Overzealous drivers can make parking lots a zoo and sleep-deprived shoppers are less likely to pay attention to the road. Unfortunately, Black Friday, which is considered the unofficial start to the holiday season, also brings out thieves, pickpockets, and others who are looking to take advantage of unsuspecting shoppers.
 
Whether you’re leaving the house at the crack of dawn (or dusk) in search of Black Friday deals or saving your holiday shopping for the last minute, keep these safety tips in mind when navigating the parking lots and wandering the aisles.

On the Road and in the Parking Lot:

• When backing out of a parking spot, be aware of waiting cars, others who are backing out at the same time, and motorists who speed through lanes.
• Lock all doors and roll up all windows even when leaving the car for a short period of time.
• When shopping, keep gifts in the trunk or hidden from view in the interior of the car. Also, put all of your packages in the trunk before departing one parking lot and driving to another. Waiting until your next shopping destination allows others to see packages go into the trunk of your car and then you departing into the mall or store.
• Avoid parking next to vans and large trucks that block your space from general vision of others.
• Make a mental note or write down exactly where you park your car to avoid wandering around longer than necessary.
• During the day, park away from buildings to reduce the chance of dings from car doors or shopping carts. At night, avoid secluded areas and park directly under lights whenever possible.
• Have your keys in hand when leaving a store. Also, look underneath your car before you reach it; criminals have been known to lie underneath in wait.
• Bring gifts in the house with you instead of leaving them in the car.

In the Store:

• Use a credit card to avoid thefts of large amounts of cash that are irreplaceable.
• Shopping with a single credit card is preferable because it’s easier to cancel one, rather than several, if your wallet or purse is stolen.
• Keep purses zipped and close to your body. Never leave a purse unattended in a shopping cart where it is more susceptible to theft.
• Keep a reference list of phone and account numbers for all your credit cards in a safe place at home.
• If possible, carry keys, cash, and credit cards separate from each other.
• For freedom of motion and clear visibility, do not overload yourself with bags when leaving a store and returning to your car. It’s difficult to defend yourself with when you’re carry a lot of packages.
• Use ATMs in well-populated, well lit locations. Do not throw ATM receipts away at the ATM location.
• Remember there is increased safety in numbers. Avoid walking alone and leave malls and stores well before closing time to assure a more active parking lot. Ask mall security to walk you to your car if you feel you are not safe.

In additions to remembering these safety tips, you should also review your insurance policies with your Trusted Choice® independent insurance agent to make sure you have the proper coverage in case an accident or theft does occur. Liability coverage will protect you if you hit another motorist, collision coverage will cover the damage to your car, and comprehensive coverage will insure you for damage by vandals or theft of your vehicle.

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127 South Peyton Street
Alexandria, VA 22314
Phone: 800.221.7917
Fax: 703.683.7556
Email: Trusted.Choice@iiaba.net