By Cincinnati Loss Control Phones are a dangerous distraction, and that’s just part of the story. GPS, radio knobs - anything that lures your eyes off the road is a threat. Smartphones have brought a deluge of texting...

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Water damage from sewer backups and burst pipes makes up a large portion of home insurance claims in Missouri every year. These claims are particularly costly to insurance companies and property owners because of the...

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Every year, thousands of people in Missouri experience winter emergencies in their homes that cause damage, increased insurance claims, and even fatalities. Many of these emergencies are avoidable if you practice good...

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Before It Gets Cold• Check and drain the water supply lines to your sprinkler or irrigation system • Disconnect and drain outdoor hoses and place an inexpensive foam cover over the faucet. • Insulate water pipes. • Know...

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Conduct regular inspections of your hardscaped areas. Cobblestone or interlocking paver driveways or sidewalks can be an attractive addition to your property, providing an architectural element not possible with cement...

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You are in your house. Suddenly you see water rushing out of the dishwasher. You need to shut off the water quickly to stop the flow and prevent damage. Would you know where to find the main water valve? Because all...

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Building a new home or considering a major renovation of your existing home? Consider installing or retrofitting with a fire sprinkler system. Sprinklers save lives. One of the most significant threats to your home,...

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As temperatures drop and winter takes hold in many parts of the country, now is a good time to prepare for the winter chill and to be reminded of how to stay safe during spells of cold weather. MAKE AN EMERGENCY KIT...

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Imagine sitting down for a delicious meal with your family. You’re about to enjoy your first bite when you hear what sounds like a motorcycle passing in your backyard. You feel your body tremble and shake and realize...

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Automatic fire sprinklers can save lives and reduce property losses in the event of a fire. But to be effective, they must remain in good working order. Property owners can protect their buildings and occupants through...

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You and your passengers depend on your tires for a secure ride. Stay safe and save money by regularly maintaining your tires. The National Highway Traffic Safety Administration provides a wealth of tire safety...

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Distracted driving has become an escalating and deadly problem. The National Highway Traffic Safety Administration recorded 2,841 distracted driving-related deaths on our nation’s roads in 2018 – 7.8% of all crash...

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Disasters can happen anytime...anywhere...to anyone: Be prepared. The past decade brought an ever-increasing number of natural disasters and other catastrophic events, affecting people and property. Make sure you are...

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You do not have to live in a designated flood zone to be susceptible to flood loss. Because most standard home insurance policies exclude coverage for surface water that damages property, you may need to obtain coverage...

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Just about everything you do today carries a cyber security risk: networking on social platforms, working from home in the COVID-19 era, video conferencing for work or leisure, paying bills or shopping. Learn how to...

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With normal vacation travel disrupted because of pandemic concerns or restrictions, many people are choosing to get away to vacation or secondary homes. Because these homes may not have had inhabitants for quite some...

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With the dine-in restaurant world shut down, we are cooking more at home – and we have the grocery bills to prove it. But with more cooking and more time being spent at home comes the very real potential for kitchen-...

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While it may be impossible to prevent infection from the new coronavirus, you can take steps to minimize the risk of COVID-19 illness in your home or office. HOME CLEANING - The U.S. Centers for Disease Control and...

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Scammers love to exploit fear, and there’s plenty of that around right now with the COVID-19 threat. The most recent round of fake emails play off pandemic fears and promote false information. Federal agencies,...

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Even if you don’t live in a flood plain, the potential for flooding could be a concern anywhere in the country. Flooding is the most common natural disaster in the U.S. and occurs in every state and territory. In fact,...

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Every 60 seconds in the United States, more than 2 million search requests pass through Google, 3,600 images are uploaded to Instagram and roughly 200 million emails are sent. While web activity has become second nature,...

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Even before winter officially arrived, it probably took only a few chilly nights to get you to reach for your thermostat. No matter when you decide to put your home heating system back in action, be mindful that heating...

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You’ve grown tired of your current ride and you’re ready to get something else. You shop around and find a car you like, but you’re not happy with what you’re being offered for trade. You think, “I can get more money by...

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Snow can mean more than a temporary loss of electrical power or inaccessible roads. Unless you prepare for snow, excessive accumulation can also cause a building’s structure to fail or even collapse. The northeastern...

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Claims experience shows that theft losses can be prevented when a central station burglar alarm is installed and activated in your home. Improve your family’s security and reduce the potential of home intrusion by...

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It takes only minutes for a fire to escalate. Even with the responding fire department’s prompt arrival, a home could be destroyed. To help avoid this, have your home fitted with a residential sprinkler system. A...

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Back in the early days of home security "systems," around the end of World War I, it was common for homeowners to hire "door shakers"-night watchmen who would literally walk around and check doors to make sure they were...

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Every year nearly 300 children under the age of 5 drown in swimming pools in the United States, making it the leading cause of death for children in that age range. Tragically, 87 % of these deaths occur in backyard...

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While tornadoes can occur throughout the year, spring and early summer are peak months in most of the United States. Prepare to respond to a tornado by stocking your emergency kit, updating your family’s emergency...

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If you live near a fault line, you likely are no stranger to tremors or other earthquake activity. Preparation may be an ongoing process for your family. The Department of Homeland Security’s Ready.gov website offers a...

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If you live near a fault line, you likely are no stranger to tremors or other earthquake activity. Preparation may be an ongoing process for your family. The Department of Homeland Security’s Ready.gov website offers a...

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Your business, whatever its size, most likely processes and maintains information every day. At least annually, take time to review your data privacy practices to reinforce your information security and to reassess your...

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ax return identity theft has reached such epidemic proportions that it tops the list of the IRS’s Dirty Dozen Tax Scams. Here are tips the IRS wants you to know about identity theft so you can avoid becoming the victim....

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Shoppers are poised to spread their time and money across both online and physical stores this holiday season, according to a survey conducted for the National Retail Federation. As you grab your mouse or head out to...

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While even the best forecasters cannot guarantee what’s ahead this winter, now is the time to prepare yourself and your home for the coming season. In recent years, record low temperatures caused pipes to freeze in...

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Although summer is winding down, there is still plenty of opportunity for friends and family to gather at someone’s home or at a public venue. Before you plan your outdoor event, be sure to review your liability...

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As stores become more and more crowded over the holidays, online shopping is an increasingly more attractive way to shop. You can shop for gifts from the comfort of your home or office and have them delivered to your...

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Something often overlooked when constructing a new home or worksite is that during the construction phase, a building is most susceptible to fire. In a published report by the National Fire Protection Association (NFPA),...

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By Cincinnati Life Building or remodeling a home or business is an exciting time, filled with many decisions. One consideration that’s easy to overlook is adequate fire protection. During construction or renovation,...

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By Safeco Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life...

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