Monthly Archives: October 2019

Halloween Safety

Halloween Safety

Category : General , Home Insurance

5 Questions to Ask to Keep Your Haunting Brood Safe on Halloween

Despite the fact that Halloween involves walking around at night amongst ghouls and witches, it really only takes a little common sense to make the night safe for everyone.

Here are five questions to ask so your entire family, even pets, can enjoy a safe and fun evening of trick-or-treating or handing out candy to others:

1. Are we visible?

Add reflective tape to costumes, clothing and candy bags to make it easier for drivers to see you and your group. That also goes for pets who are tagging along. Put reflective tape or flashing lights on their leashes or collars. Carrying flashlights and glow sticks is a good idea as well — they make you more visible and help you see better, too.

2. How safe are our costumes?

Costumes, including masks and shoes, should fit well to prevent blocked vision, trips and falls. Baggy clothing can also increase the risk of contact with candles. If you purchase costumes, make sure they are marked as flame-resistant. And accessories such as swords and knives should be soft and flexible.

3. Where are we going?

It’s best to have a plan before taking your kids trick-or-treating. You should only go to known neighborhoods and houses that have outside lights on, and children should never enter someone’s home unless an adult is with them. If you have older children going out on their own, have them tell you their plan.

4. What are the kids eating?

It’s always a good idea to examine the items your kids have collected before they dig in. And it’s not just about tampering, either. Be aware of choking hazards, too, particularly for young children. And remember, when it comes to eating treats, moderation is key.

5. How are Fido and Fluffy doing?

Even if your dogs and cats are just hanging out at home while you hand out candy, don’t forget about them. They shouldn’t eat candy at all, but especially chocolate, which can be toxic. Make sure candles are placed in areas where they won’t be knocked down. And remember that, depending on your pet’s personality, having people constantly coming to your door can be stressful. You might want to create a comfortable spot for them away from your home’s entrance.

With the right plan, you can make Halloween fun — and safe — for your little ghosts and goblins. And you can probably snag a little leftover candy for yourself, too.


Fall Home Maintenance

Fall Home Maintenance Tips


10 Things to Do to Prepare Your Home for Fall

Fall is a wonderful time in RVA — if your home is ready for it.

Yes, this is the time of year to fix small problems before they become big, and big ones before they become catastrophic. Here are 10 tips to help:

  1. Look up. Examine your roof closely. Remove moss, clear debris from your gutters and downspouts, and repair any damage.

  2. Look down. Check for signs of animals and insects around your home and garage, including in the basement and crawlspace. Bring in a professional to get rid of unwanted guests.

  3. Keep things warm. Heat escapes through leaks around windows and doors, so seal up any drafty areas. Outside, put covers over faucets before temperatures drop.

  4. Keep things dry. Drain outdoor hoses, faucets and irrigation systems. Look in the basement and crawlspace for wet spots. And, make sure your water heater or boiler isn’t leaking.

  5. Clear the air (or vents and filters, at least). When’s the last time you checked your dryer vent? You should take a look at attic vents and exhaust ducts, as well. And, change that furnace filter!

  6. Take a walk. Cracks in your driveway or walkways will only get bigger, so get them fixed soon. If your deck has signs of wear, make repairs now.

  7. Get a tune-up. You or a professional should clean and tune your furnace, boiler and/or water heater, as well as your oven and range.

  8. Don’t play with fire. Before building your first fireplace fire of the season, check for soot or creosote build-up.

  9. Don’t play with fire extinguishers, either. But, check them to ensure they still have pressure. Don’t have fire extinguishers? Put them on your shopping list, ideally one for each floor.

  10. Don’t forget those smoke and carbon-monoxide detectors. Replace batteries when needed, and test regularly that alarms are working.

Keeping your home insurance policy in tip-top condition is smart, too. Remember to check in with us at least once a year to update your policy so you’re covered for your new remodel, additions or personal possessions. Give us a call 804-320-0129  or email smagee@kmicoverage.com.


Business Insurance - Knight Magee Insurance

Time to Review Your Business Insurance

Your operation is constantly changing and evolving as you find new ways to grow your business. That’s why it is a good practice to review your insurance annually to identify potential coverage gaps or adjustments to limits that can help assure adequate protection for your business.

Please take a few minutes to review the questions below to help you identify any changes needed to your business insurance coverage.

General Information

  • Have you made any changes to your business operation(s)?
  • Have you moved your business location(s) or changed your business mailing address?
  • Has there been an increase or decrease in your company’s sales?
  • Do you have additional certificate requirements or need to update certificate holder list?

Property

  • Have you made improvements or changes to your existing location(s)?
  • Have you purchased or sold any buildings?
  • Have you purchased, sold or replaced property (e.g., computer equipment, tools, etc)?

Workers’ Compensation

  • Have there been any changes in your staffing that could increase or decrease payrolls?

Automobile

  • Have you purchased, sold or replaced any vehicles used for company business?

Other Insurance Considerations

  • Has your business expanded overseas? If yes, consider International coverage.
  • Do you store customer or employee data, including private information (social security numbers, credit or debit card numbers?) If yes, consider Data Breach Liability coverage.
  • Are you concerned about being sued by employees for harassment, discrimination or wrongful termination? If yes, consider higher limits for Employment Practice Liability.

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