255 results

Retail parking lot safety

What do cracks, snow and grocery carts have in common? They're all common ingredients in parking lot losses, and therefore important factors in parking lot safety.  How often do you think about parking lots? If you're a store owner, an insurance agent, or an underwriter, you may think about parking lots and parking lot safety more often than most.  Parking lot conditions are sometimes thought of last - or not at all - when a business owner looks at possible retail locations. Yet where your

Dealing with the risk of data breach in the hospitality industry

When you think of data breaches, do you think of banks first? Or maybe, you think of retailers, like the Target breach that occurred during the crucial holiday shopping season in 2013. Yet if you're in the restaurant industry, you should think of your own business first.  While financial institutions have the most breaches (36%), hotels and restaurants are the next categories on the list. Thirteen percent of all data breaches affect the hospitality industry. Retail is seventh highest, with six

Preparing for the true extent of power surge damage

According to National Geographic, about 100 lightning strikes hit the Earth's surface every single second. Each bolt contains up to one billion, yes billion, volts of electricity! And I'm sure this won't come as a surprise, but lightning is hot. In fact, lightning can make the air around it five times hotter than the sun's surface.So what do lightning strikes mean if you are a business owner? Power surges.  Power surges are the enemy of any and all things electronic.  Important things like

Help prevent slips, trips and falls

One of the most common causes of injury, both on and off the job, are slips, trips and falls. The National Safety Council reported that a primary cause of fatalities on the job is slips and falls. Frequently, no matter where it happens, slipping and falling is blamed on a person's clumsiness. A closer look however, typically reveals that the "clumsiness" is due to preventable, controllable circumstances. If employees practice good housekeeping and are alert to their surroundings, they will

Protect your business from the risk of employment practices liability

Lawsuits of this type can be expensive to defend. And it's not covered under your basic business liability policy. No matter the size of your business, you need to talk to your insurance agent about Employment Practices Liability Insurance.  

Towing and labor coverage

If you get a flat tire, or run out of gas, what are your options? If you're a member of an auto club like AAA, you can call them for help. If you're a State Auto customer, you may already have Towing and Labor coverage on your auto policy. Towing and labor coverage is an option that can be added to your auto policy. If you have it, it can be used for more than just towing a vehicle after an accident. It also covers labor costs if your vehicle is disabled: If you run out of gas, delivery of

State Auto Safety 360: Helping you save money while protecting your data

So, you're interested in Safety 360 because you know that you're a good driver and you want to save money on your insurance premiums. Great! But, you have a few questions about the data collection aspect. Take a look at some of these common questions and answers that may put your mind at ease. Who has access to my data? Only you and State Auto will have access to the data that is connected directly to you. Your data will be anonymous to our vendors who collect and analyze the information.  Does

How do I file a car insurance claim?

You've just been in a car accident. On top of making sure everyone's okay (and hopefully they are), it can be overwhelming to remember what to do next.   So, where do you start? Below are some basic things to do first. We've also shared some questions to consider asking your insurance agent or claim representative. When do I need file a car insurance claim?Call your independent agent as soon as possible. This should be your next step after calling for emergency help (if needed), regardless of

What are the benefits of State Auto Safety 360?

It's probably safe to assume that most drivers would like their auto insurance premiums to better reflect their safe driving habits. We think so, too.State Auto Safety 360® telematics does just that. Our usage-based insurance program for personal auto gives drivers the benefits of being more in control of their insurance rates and potential discounts, simply by continuing the safe driving habits they've always practiced.It may help you reduce what you pay for insurance Safety 360 collects your

Driving in bad weather

Make sure you always have enough gas, windshield wiper fluid, and antifreeze; keep extra wiper fluid in your trunk, and make sure the blades are in good condition. Keep a winter emergency kit in your car, consisting of a flashlight, batteries, cell phone charger, blanket, water, snacks, gloves, boots, and a first-aid kit. As winter approaches, have your brakes checked. If you have to hit the road during bad weather, keep these tips in mind to keep you and your loved ones safe. Tweet It Before

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