Here is a partial list of less obvious kinds of Inland Marine coverage: Accounts Receivable Insurance, Installment Insurance, Installation Insurance, Equipment Floaters Insurance, Valuable Records Insurance (Papers), Consignment Insurance and Parcel Post Insurance. Mathews Insurance Agency's Insurance Blog. Page #31 | Blog. Home renovations don't necessarily mean that your insurance rates will increase. As use of the Internet has grown, insurers have worked to develop products that address the insurance needs of businesses that engage in e-commerce. For some businesses, security needs may be met simply by leasing a professional office in a building with good security and assuring there are strong doors and appropriate locks. Usually, your organization owns the policy, pays the premium and is the beneficiary.
Failure to use a reasonable screening process for new hires could even expose you to negligent hiring liability. And here's how you're going to do it. Those of us living in climates where winter is non-existent or an infrequent visitor may need to take special heed. Umbrella insurance is a liability coverage, which means that if any mishap has been deemed your fault or responsibility, the liability insurance will cover expenses that would otherwise have to come out of your pocket. Breast milk contains more aluminum and mercury than any vaccine. Before you host a party, check out your property to make sure your guests will be safe. Since second homes and vacation homes often sit unoccupied for months, they can be a target for theft and vandalism. Pose that avoids touching somebody in a photo crossword puzzle crosswords. It is important to buy a car seat that can be installed and used correctly EVERY TIME! Driving drowsy: It's been widely demonstrated that driving while drowsy can be just as bad, or worse, than driving drunk. Bring an umbrella and be sure to take plenty of breaks in the shade. Policies that accumulate cash value are appropriate in some circumstances. Make sure the damper is open, always use a grate or a screen in front of the fireplace, and, should a fire become out of control, use an extinguisher or sand to put it out, not water. Identify natural disasters most likely to occur in your area. The examples here do not supersede insurance policy language.
Post signage: Clear signs can start the job of reminding customers to wear face coverings and keep their distance, as well as why these things are important. Pose that avoids touching somebody in a photo crossword 11 cheats. If you suspect any sort of pest infestation, contact a local exterminator for a professional inspection. You will actually find that it is much more affordable to carry the higher limits than you think. Offer delivery services? We found 20 possible solutions for this clue.
Watch this shocking video to see how much worse a fire could potentially be if your tree is dry and brittle. This will ensure that should something happen, you will be protected from any important losses. Diet is also significant factor in stroke prevention. There is no shortage of distractions in the modern world. VIN (Vehicle Identification Number) - often on a metal plate on the dash or driver's side door frame. It is against the law for an employer to retaliate in any way against a worker for exercising his or her legal rights. But going back to school also means sending your kids into a sea of germs, and increasing their likelihood of getting sick. Value communication: Open communication is critical to keeping your staff and business healthy and productive, not to mention competitive. Check in with Smiley Insurance Services Corp. to make sure your insurance policies are up to date for the holiday season. If you have parents, disabled adult children, or others who depend on you for financial support, life insurance would continue this support if you die before they do. Smiley Insurance Services' Insurance Blog. Page #34 | Blog. Weather: Outdoor workers often have to face the elements, from extreme heat and humidity to extreme cold and snow. There are three types of car seats that meet the U. S. federal safety standards; rear-facing, forward-facing, and boosters.
Rest, ask for help, and take it slow with any new movement or exercise, especially if you haven't been doing it all winter. Premiums, like much else in the current economic climate, are forecasted to see some big increases in the coming year, with some expected to exceed $1, 000 a year and many slated for rate hikes in the double digits. Call or contact Smiley Insurance Services Corp. today to discuss back-to-school insurance needs. Here are some handy tips for beating the summertime workplace blahs: Don't be afraid to get creative, think outside the box, and change things up a bit this summer. If you have a charcoal grill, dump out any old ashes. The BOP covers real estate and other property your business owns. And if anything sits out for too long, toss it! The structure of your house. A $1, 000 deductible on both comprehensive and collision can save you to 30 percent on these coverage lines. Life insurance on each earner enables the survivor to continue to meet those commitments. Winter can bring extra hazards and increase the possibility of accidents and injury. Pose that avoids touching somebody in a photo crossword level. Many companies offer dental insurance at a pretty low monthly rate, but is it worth it? Clean and prep your grill: Fires or leaping flames are usually caused by excess grease, so be sure your grill is well-cleaned before starting it up. Winter sports are all about making the most of the frigid temperatures.
And, perhaps of greatest concern, approximately one of every five people killed by a distracted driver was walking, riding a bike, or otherwise outside of a vehicle. Here are some examples of how to construct a password that is hard to crack but easy to remember (Please don't use these passwords! Pools and trampolines are known as "attractive nuisances" and require safety precautions and can affect your homeowner insurance premium. If the domestic employee has an excellent driving record and a sterling employment history with you, consider having her use your auto to run errands to avoid any question that your PAP will protect you if she negligently causes an accident while working for you.
Updating attic and wall insulation might also be worth its weight in home-improvement headaches: it helps keeps the cool in during the summer, just as well as it keeps the cold out during the winter. Virtually every small and sizeable town or city across the U. puts on some sort of firework show on the Fourth of July. If you use personal vehicles for business, you want to be sure you have high enough limits to protect your business. Remember: A holiday is just another day on the calendar, and the season will be over before you know it. Some measures that could help control these risks include: REDUCING MOTOR VEHICLE RISKS. Consult Consumer Reports, read customer reviews, and do some research to find the best options for your car, lifestyle, and budget. Something smells funny: In 2005, a DJ was awarded a major settlement after her employer refused to accommodate her severe perfume allergy. Not only does following these guidelines make your new pool safer; your insurance company may exclude your pool from coverage if you fail to comply with local rules. Keep checking our facebook and blog for any updates!
Moreover, it can also decrease the cost of your auto insurance premium. It is one of the factors insurance companies use to determine their rates. Many of our most cherished memories are tied in some way to restaurants. It's a good idea to talk to your insurance provider about ways to add this onto your home insurance policy, in case of dorm room theft. You are also covered not just in your home, but anywhere in the world. We'd be happy to provide you with one! Recently, we covered the basics of commercial umbrella insurance: What is it, and is it right for your business? Make sure your teen knows that getting there late is OK if it means getting there safe. If you live in a climate that sees real snow, ice, and sub-zero temperatures, and you can afford snow tires, then it's definitely worth it. It will be well worth your time to practice, take a course, or even hire a personal coach to help you learn the ropes. Teens are particularly at risk of abusing alcohol, which is a common tool for self-medication among kids who suffer from depression and/or anxiety, or who lack a good support system.
You could be sued if there is a breach of your security and sensitive information about others is exposed or stolen. Decrease your home insurance costs by increasing your home's safety. Thanks to the farmers' markets that pop up in virtually all communities during the summer months, eating well is also easier than ever. This could be the easiest New Year's resolution of all: simply vow to install deadbolts on your doors and better locks on your windows. Whether you're talking about padding, goggles, a helmet, working GPS, or sunscreen always use recommended safety gear for your activity, even if it's "optional. To minimize your risk of hitting a larger animal, pay extra attention during the hours around sunrise and sunset, at night, and during peak seasons.
If you fail to take reasonable steps to determine that the driver is qualified to drive or if you allow someone to drive whom you know has a poor driving record and that person causes an accident, you could be liable for negligent entrustment. Prevention is always preferable to detection and there are several things you can do to reduce the chances of CO poisoning. In its most general sense, an annuity is an agreement for one person or organization to pay another a stream or series of payments. Here are some tips to make sure your kids stay safe, so they can focus on fun and learning at school: Practice travel routes: If your children are planning to walk to school, test the route with them more than once before school starts. You may be a stellar employee who does everything right, but if your employer can no longer afford to pay your salary and you are let go, it can be comforting to know you'll still have some money coming in until you land a new position elsewhere. Engage your emergency brake and angle your wheels away from the road to avoid rolling into traffic if brakes fail. LTC Insurance can also be prohibitively expensive or unavailable if you are already sick or disabled. Stretch or do some low-impact warm ups, be gentle with any injuries or weak areas, and know your body's limits. In fact, most school-aged children will get 6-10 colds every single year.
Look for somebody who has principles and high standards for their work and behavior, instead of focusing too much on their style. Brainstorm and practice for these difficult situations so that your teen will be able to hold their boundaries and confidently say no when it really matters. Fortunately, summer fun hasn't been cancelled. Refer to your agent for actual coverages.
It may seem like the least of your worries, but old bulbs give off a lot of heat. You may want to increase this coverage, or consider purchasing umbrella insurance that will kick in to cover what your current homeowners' insurance policy does not. Somehow the woman got on the company's payroll, even though the company had no record of hiring her, and she was employed at a full-time job elsewhere. Don't forget to ask about additional equipment, like pumps and filters, and whether or not or how they can be covered. Keep your walkways free from ice and snow to protect yourself and your neighbors. Nobody wants to be out of work, but it's worse to believe everything's fine and then feel blindsided. The winner of the Mathews Insurance and James Insurance Facebook contest is Frederick R. Daniel Jr.!
However, they can be seen during migration in southeastern US states. They lack any strong pattern on the face and head. Northern flicker Call: Attract Northern Flickers to your backyard with suet. If you're incredibly fortunate, you may even see one at my bird feeding station right now! Pie d'Amérique (French). Fortunately, many of the black and white birds listed below visit bird feeders, so you have a great chance of attracting them to your yard. Shape: Tiny, somewhat plump with larger head and short tail.
Habitat, range & behavior: Breed in coniferous forests. A Monarch Butterfly is a great example, which is toxic to most animals due to the milkweed it consumes. Dark-eyed Junco Song: Attract Dark-eyed Juncos to backyard feeders with a variety of seeds such as black oil sunflower seeds, nyjer, cracked corn, millet, and peanuts. Individual birds will begin calling loudly to attract more magpies, eventually having as many as 40 birds gathered for 10-15 minutes before flying away silently. Both males and females have black and white streaks on their heads and white eyebrows with a black bar underneath. They are even seen hanging out on the backs of large mammals like moose or deer, picking through their hair looking for ticks. Shape (including the shape of the bill) and size are often more helpful in starting to identify a bird than the color.
Look for these black and white birds in Wyoming in open areas. These blackbirds with yellow heads are found in marshes in the West. The wing patches are blue, green, and white. American Robins, Red-winged Blackbirds, Cliff Swallows, Violet-green Swallows, Chipping Sparrows, Western Wood-Pewees, Barn Swallows are more common in summer than in winter in Wyoming. If you are serious about knowing the birds native to Wyoming, then check out eBird for Wyoming. Size: These are small sparrows, bigger than goldfinches or chickadees, but smaller than House Finches or Song Sparrows. Cassin's Finches will visit feeders within pine forests. Males are dark cinnamon orange.
They are often spotted here from April to October before they migrate south for the winter. Here's one of my favorite hopper feeders, it's squirrel-proof too. Mourning Doves are common over all of the lower 48 all year but may migrate after breeding from the north of the Midwest and southern Canada. White-crowned Sparrow. If you want to know about other people interested in birds in your area, join a local bird group. They build up a large local population over a couple of years then fly hundreds of miles to set up new outposts, gradually backfilling. They are seen at seed feeders more than Goldfinches, so try some black sunflower seeds to attract them as well. Like the starling, this is another bird introduced from Europe in the 1800's. If you use suet products to attract woodpeckers, use a specialized suet bird feeder. Range in North American from southern Canada through Central America.
Use black sunflower seeds or mixed birdseed for this type of feeder. Habitat, range & behavior: Semi-open areas such as urban areas, farmlands, woods. Northern Flickers may not visit feeders as often as other woodpecker species, but they will still come to suet feeders. You might like this ground feeder made from recycled plastic. Rarely come to feeders in winter. I've put this resource together for you to answer your question: What birds are in my backyard in Wyoming? Shape: Round fluffy body.
Chipping Sparrow (19%). A large sparrow that has a round-shaped and thick conical bill. It's quite a lively display and unmistakable if you spot it! You can find them in forests, open woods, and parks. Hopper feeder – Hopper feeders get their name because they have a compartment in the middle, the hopper, that holds the bird seed. Male birds can be identified by a red patch on their heads, which females lack. Winters in southern Mexico. Best Bird Feeders to Attract Birds in Wyoming. Wyoming is home to seventeen species. American Goldfinches can be found in most of North America and are usually resident all year. They can be found in open and partially wooded areas, often on the ground, and are common across the continent.
Related: See photos and learn about the most common backyard birds in Wyoming, regardless of color. Dark-eyed Juncos stay in Wyoming all year. Often viewed as a pest, starlings often bully other backyard birds, taking over bird feeders, and stealing nest cavities from smaller native birds. Black-capped Chickadees eat seeds, berries and insects, spiders, and suet. Summers across Canada and the West into Mexico. Hairys will be completely white, while Downys are spotted black. Females are brown-streaked all over. Scientific name: Sturnella neglecta.
These chickadees are found in mountain forests of the West. Scientific name: Melospiza melodia. Red-winged Blackbird Song: Red-winged Blackbird Calls: Attract Red-winged blackbirds to your backyard with mixed grain and seeds spread on the ground. I have this birdhouse in my backyard and a mating pair of bluebirds were checking it out the same day I installed it. You can find Eurasian Collared-Doves in most areas, including rural and suburban and they eat a wide variety of seeds and grain but also eat some berries and insects.
You can try to attract them by putting up a nestbox, or providing access if you have a barn, outbuilding or gazebo. This "rushing ceremony" typically signifies that two individuals will soon be breeding together. Unfortunately, they will also eat garbage and so can be a nuisance. Insects make up most of the diet of Mountain Bluebirds, especially beetles, grasshoppers, and caterpillars.
Appearance-wise, Hairy Woodpeckers have been compared to soldiers, as they have cleanly striped heads and an erect, straight-backed posture while on trees. Also consider adding a solar fountain since moving water will entice the birds to visit the water even more. Females and first year birds have a striped heads and are brown above, pale buff or butterscotch-orange below. Some birds are paler, some darker, others brighter yellow, others duller. Males are glossy black with bright golden-yellow head and breast. They use a combination of mud and grass to create cup-shaped nests, which are often found in the eaves of barns, gazebos, covered pavilions and under bridges. Food and feeder preference: Worms and other invertebrates in the lawn.