Setnor Byer Insurance & Risk

Your big day is just around the corner—whether it's a wedding, anniversary, or any other private celebration, you've put so much into making it perfect. But what if something unexpected happens?

Private event insurance ensures that your special occasion is protected from unforeseen circumstances, like extreme weather, vendor cancellations or even accidental injuries.

Don't let the unexpected ruin your big day!

Ensuring a safe workplace will protect employees against workplace injuries and reduce workers’ compensation claims. Here are some effective steps to achieve this:
* Create a comprehensive accident prevention plan.
* Conduct regular safety training for all employees.
* Implement ergonomic workstations.
* Conduct frequent safety inspections.
* Ensure employees have access to proper safety equipment and protective gear.
* Stay compliant with OSHA regulations and industry-specific safety standards.
* Analyze injuries when they occur, to determine ways of preventing them for the future.

Back-to-school season is a critical time for driving safety, especially with increased traffic and the presence of children. Here are some tips to ensure safety on the roads:
* Slow down in school zones and be aware of crossing guards.
* Never pass a school bus that is stopped loading or unloading children.
* Always yield to children in crosswalks.
* Maintain a safe distance from school buses and increase your following distance in
rainy or foggy conditions.
* Avoid blocking crosswalks to allow pedestrians to cross safely.

Broward County new flood insurance rate maps become effective July 31, 2024. The new map will expand the Special Flood Hazard Area by 15 percent. Learn more about the changes by reading our newsletter: https://buff.ly/3QY5FqN

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Wishing everyone a wonderful and safe Independence Day filled with celebration and gratitude for the freedoms we cherish.
Our office will be closed this Thursday July 4th and Friday July 5th

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Keeping up with your car maintenance will keep you safe on the roads and out of the repair shop. Here are some maintenance tips that will help you do just that:
🔧 Check Your Tires - Test the air pressure of all your tires, including the spare, once a month.
🔧 Change the Oil - Oil affects many of your car's functions, and oil problems can be costly. Replace your oil every 5,000 miles.
🔧 Keep the Battery Clean - A dirty battery can develop cracks or fail to function properly. Test your battery twice a year.
🔧 Replace the Brake Pads - If the brake fluid is dark in color, contact a mechanic to change it and inspect the system. Check the brake fluid every time you change the oil.
🔧 Replace Your Air Filter - An old air filter can cause significant and costly problems for your air conditioning system. Air filters should be replaced every 12 months.
🔧 Get Your Tires Rotated - Rotate your tires every 3,000 to 5,000 miles to extend their life.

Did you know that Florida is among the most sinkhole prone states in the U.S.

This phenomenon is caused by ground water that dissolves the bedrock, creating a void underneath the limestone roof.

Ask your insurance agent if your policy includes protection for sinkholes.

Read about it here: https://buff.ly/4eaEZNu

Hurricane season and other severe weather events are an ever-present threat during the summer. Here are several tips to secure your property:

1. Know your risk – understand the potential wind and water hazards in your area and become familiar with evacuation routes when necessary.
2. Protect all openings including windows, skylights, doors, roof vents, outdoor equipment, fixtures and furniture.
3. Trim tree limbs.
4. Test generators for operational efficiency and ensure an adequate supply of fuel.
5. Prepare for flooding by clearing gutters and nearby drainage ditches of debris, deploying temporary flood barriers such as gates, sandbags, inflatable flood-walls and skirts.
6. Safeguard equipment and valuable documents from water damage by encasing in waterproof containers.

For a thorough examination of weather mitigation risks and efforts, consult with your Independent Agent.

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A quick read on the mistakes to avoid and best practices to refer to if involved in a car accident.

* If possible, move to a secure location off the road after collecting images of the vehicles, scene and injured involved from as many angles as possible, assuming it can be done safely.
* Collect contact information for witnesses, if possible, when certain that the other party was responsible for the accident.
* Avoid admitting or denying fault, but don’t hesitate to empathetically check on the health status of anyone injured.
* Collect driver’s license, tag, contact and insurance policy information for all involved.
* Call the police when there are injuries, significant damage or conflict with other parties involved.
* Ask for a copy of the police report and scan it for accuracy.

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Review the images to learn what are insurers looking for in a 4-point inspection.

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Download the Identity Theft Resource Center Q1 Data Breach Analysis Report here: https://buff.ly/4aD6QU6

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Deepfake phishing: a digital threat you can't ignore. Review our post to learn how to avoid phishing attacks. Insights from Accession Risk Management Group

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Damage to homes from an absence of home repairs can cause thousands of dollars in uninsured and insured losses. Take a look at a few key ways to prevent costly repairs:

*Clean the gutters - Gutters full of debris can lead to water damage. Check your gutters every spring and fall, clearing away muck, sealing leaks, and replacing any damaged gutters.

*Trim your trees - Fallen tree branches cause $1 billion in home damage annually. For properties with trees, bring in a professional tree trimmer each year to trim and identify issues.

*Check HVAC system - Schedule regular maintenance for your HVAC system. Cleaning and changing your air filter and checking on condensate pan can prolong the life of your A/C unit, limit the risk of water damage make the unit work more efficiently, and maintain higher air quality in your home.

*Clean out your dryer vent - Cleaning out your dryer vent not only keeps the appliance running efficiently, increasing longevity, but it also remove the risk of fire.

*Check on the condition of your plumbing system - including hot water heater, hoses, drains, pipes and other peripheral equipment - Scheduling a plumbing professional to assess the status of your plumbing on a bi-annual basis can limit the risk of significant water damage and mold. Consider a full-house water leak detection system for older homes.

Read about it here: https://buff.ly/49NrQHF

Don't let unexpected bumps in the road ruin your trip. Whether you're hitting the open road or settling in at your favorite campground, our RV insurance coverage is designed to protect your home on wheels. Connect with us today to learn more!

Read about it here: https://buff.ly/3IftoxF

Flood insurance isn’t just for properties in flood zones anymore! In fact, a 2020 study by First Street showed 14.6 million properties are at risk of experiencing a “100-year flood,” far exceeding the 8.7 million properties in designated flood plains.

Read about it here: https://buff.ly/4bBNeAN

Did you know that between 2019 to 2023, the average number of weather and climate related disaster events in the U.S. that exceeded 1 billion in insured losses numbered 20.4. In 2023, alone, there were 28 such events, while the years between 1980–2023 saw an average of 8.5 events per year.

Click here to read the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters 2024 report - https://buff.ly/3EDrJQF

DOL issues final rule for determining independent contractor status - Setnor Byer By Anita Byer, Setnor Byer Insurance & Risk On January 10, 2024, the Department of Labor published a final rule for determining independent contractor status under the Fair Labor Standards Act. This rule seeks to combat employee misclassification, which according to the DOL, “is a...

Building material costs are expected to play a significant role in the pricing of homeowners insurance in 2024.

ACA reporting and filing activity intensifies as deadline approaches - Setnor Byer By Anita Byer, Setnor Byer Insurance & Risk The beginning of the new year means that it is time for Applicable Large Employers to turn their attention to the Affordable Care Act’s annual information reporting requirements. Employers with 50 or more full-time or full-time equivalent...