Premier Insurance Services Blog

  • Home
    Home This is where you can find all the blog posts throughout the site.
  • Bloggers
    Bloggers Search for your favorite blogger from this site.
  • Login

Posted by on in General Insurance

Summer’s warmer weather calls for cooling off with plenty of icy cold beverages. But thanks in part to all the sodas, blended coffee drinks, and presweetened bottles of juice, tea, and flavored water available these days, most Americans are consuming way too many calories in the form of sugar—which puts them at greater risk for weight gain and heart disease. Why not make your own summer refreshers at home instead? That way, you can control the amount of sweetener you add, and save calories and cash in the process. Try some of these delicious drink ideas from Sarah Krieger, a registered dietitian based in St. Petersburg, Fla.

...
Continue reading
Tagged in: Drink Summer Health
Hits: 344 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

Some vehicles can survive car crashes and protect the occupants much better than others. To find out which motor vehicles perform best and which the worst, nonprofit group Insurance Institute for Highway Safety performed crash tests. IIHS, which is “dedicated to reducing the frequency and consequences of crashes on U.S. roads,” rated the cars in four separate categories. 24/7 Wall St. examined the ratings and identified the seven current-generation models that received a “marginal” or “poor” rating in two of the four categories.

The four rating categories of the IIHS tests are: (1) a frontal offset crash test in which the vehicle travels at 40 miles per hour and hits a barrier head-on; (2) a side-impact crash test in which a 3,300 lb. “SUV-like” object strikes the driver side at 31 mph; (3) rollover ratings in which a metal plate hits the corner of a vehicle to determine how much force it can take before rolling over; and (4) a rear-impact protection rating, which focuses on the ability of seats and seat belts to protect against whiplash.

...
Continue reading
Hits: 402 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

NU Online News Service, May 03, 3:04 p.m. EDT

Led by severe weather, especially tornadoes, in the United States, global insured losses for the month of April are close to $1 billion, says Aon Benfield.

...
Continue reading
Hits: 483 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

Have a safe boating season by following these tips:

  • Take a boating safety course offered by your state DNR, Law Enforcement, or U.S. Coast Guard agencies.
  • Make sure your boat is in top operating condition and that there are no tripping hazards.
  • The boat should be free of fire hazards and have a clean bilge.
  • Have safety equipment that is required by law on board at all times and maintained in good condition, also be sure to know how to use it.
  • File a float plan with a relative or friend, or at the very least, let someone know where you are going and when you plan to return.
  • Have complete knowledge of the operation and handling of your boat.
  • Know your position and where you are heading.
  • Maintain a safe speed at all times to avoid collision.
  • Keep an eye out for changing weather conditions.
  • Know and obey federal and state regulations and waterway markers.
  • Maintain a clear, unobstructed view forward at all times. “Scan” the water back and forth; avoid “tunnel” vision. Most boating collisions are caused by inattention.

(Source: Secura Insurance Company)

Hits: 457 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

Cruise operator Carnival Corp. says it has insurance coverage for damage and could face losses of up to $95 million after the luxury cruise ship Costa Concordia ran aground off the coast of Italy on Jan. 13.

According to Carnival, it faces a $30 million deductible for damage to the vessel plus a $10 million deductible on its Third-Party Personal Injury Liability policy.

...
Continue reading
Hits: 801 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

 •Limit movement in the home to prevent soot particles from being embedded into upholstery and carpets.
•Keep hands clean so as not to further soil upholstery, walls and woodwork.
•Place clean towels or old linens on rugs, upholstery and carpet traffic areas.
•If electricity is off, empty freezer and refrigerator and prop doors open.
•Clean and protect chrome with light coating of petroleum jelly or oil.
•Wash houseplants on both sides of leaves.
•Change HVAC filter.
•Tape double layers of cheesecloth over air registers.

•Don't attempt to wash any walls or painted surfaces or shampoo carpet or upholstery without contacting a professional restoration service..
•Don't attempt to clean any electrical appliances that may have been close to fire, heat or water without consulting an authorized repair service.
•Don't use any canned or packaged food or beverages that may have been stored near the fire, heat or water.
•Don't turn on ceiling fixtures if ceiling is wet. The wiring may be damaged.
•Don't send garments to an ordinary dry cleaner. Improper cleaning may set smoke odor.

...
Continue reading
Hits: 548 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

Securely sanitizing hard disk drives and other IT equipment is critical when retiring old and obsolete equipment to prevent leaking sensitive data.

A new computer, mobile device or other IT equipment generally requires some effort setting up and migrating data. Enterprises also need to spend the time making sure the data is completely removed from the equipment as it is replaced.

Organizations do not always stop to consider the security implications of leaving data on obsolete equipment before disposing of them, Jim Kegley, president and CEO of U.S. Micro, told eWEEK. With more and more sensitive data being stored on devices such as copy machines, computers, phones and tablets, organizations without secure IT asset disposal policies are at risk of costly data breaches and reputation damage, Kegley said.

...
Continue reading
Hits: 1070 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

There are several important reasons to consider purchasing life insurance for children.  Affordable premium rates, protecting an individual’s insurability and accumulating cash value as a savings tool are a few of the most significant.
First, premium rates for children are typically low due to their age and good health.  If you purchase life insurance for a child now, you can lock her into those low premium rates for an entire lifetime.  So when that child is 80 years old, she can still be paying premiums established in youth.
Next, children are likely to be in good health and that means they are insurable.  We all know life throws a lot of curve balls our way and sometimes those challenges come in the way of health. If an individual develops some challenging health condition like cancer or diabetes, she may become uninsurable.  That means she might not qualify for insurance, or it could become so expensive it would be difficult to purchase.  Buying life insurance for a child, when she is in good health, protects insurability.  It guarantees coverage will be there regardless of future health challenges.
Finally, the cash value feature of permanent life insurance is a great reason to consider starting a policy for children. The accumulation of cash value in a permanent life insurance contract provides a source of savings that can be used by the child later in life. Some common examples include college education and first homes.
Purchasing life insurance for a child provides much more than a death benefit. It gives a child the gift of affordable insurance that will be there when she needs it, and even some funds for emergencies or new experiences in life. All this is available at an affordable cost and is the definition of value. 
Please call us today to learn more about how to get your children protected

Hits: 528 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

Catered holiday meals may not be as traditional as home-cooked dinners, but they may be much safer.

Cooking, the nation's leading cause of home fires, already has led to at least four such blazes in Green Bay since Thanksgiving, according to data from the Green Bay Fire Department.

...
Continue reading
Hits: 462 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

When decorating, be sure to use only lights rated for indoor use.

Replace any lights that have worn, frayed, or broken cords.

...
Continue reading
Hits: 484 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance
  1. In Japan, they have live lobster vending machines.
  2. Wedding rings are placed on the third finger of the left hand because ancient Egyptians believed the vein located in that area ran directly to the heart.
  3. The brightest star in the sky is called Sirius.
  4. Upon exiting a cave, a bat will always turn left.
  5. There is a small town in Kentucky called Monkey's Eyebrow.
  6. Factoring in inflation, what was worth $1.00 in 1950 is worth $0.12 today.
  7. The sentence "Buffalo buffalo Buffalo buffalo buffalo buffalo Buffalo buffalo" is grammatically correct. It utilizes the three meanings of the word "buffalo" -  the city, the animal and the verb "to bully". In the most simplified terms, the sentence means, "New York bison whom other New York bison bully, themselves bully New York bison."
  8. Every one of the sweaters Mr. Rogers wore on Mr. Rogers' Neighborhood was hand knit by his mother.
  9. One of the ingredients of dynamite is peanuts.
  10. The most money ever paid for a cow at auction was $1.3 million.
  11. On average, the human head has 120,000 hairs; however, natural blondes can have as many as 140,000 while redheads often have as few as 90,000.
  12. In Italy, police drive Lamborghinis.
  13. Beetles taste like apples, wasps taste like pine nuts and worms taste like bacon.
  14. What English-speakers call a "French kiss," French-speakers call an "English kiss."
  15. On average, right-handed people live nine years longer than left-handed people.
  16. The skeleton of Jeremy Bentham, an English jurist, philosopher and social reformer, is present at all major meetings at the University of London.
  17. A little over a century ago, the majority of the Icelandic dog population was killed by an epidemic.
  18. Honey is the only food consumed by humans that has been found to not spoil. In fact, honey found in ancient Egyptian tombs was sampled by archaeologists and deemed edible.
  19. Dolphins sleep with one eye open.
  20. Queen Elizabeth I took great pride in her cleanliness, once declaring that she bathed once every three months, whether she needed it or not.
  21. Slugs have four noses.
  22. The number "57" on a Heinz ketchup bottle refers to the number of products the company sold. Even though they sold around 60 products at the time, Henry Heinz thought 57 was a lucky number.
  23. In the film E.T., the sound of the alien walking was produced by a sound engineer squishing her hand in jelly.
  24. Lucy and Linus from the Peanuts comic strip had a little brother named Rerun who sometimes played baseball with Charlie Brown.
  25. In China, the three most well known Western names are Jesus Christ, Richard Nixon and Elvis Presley.
  26. Due to time zone shifts, if you had flown from London to New York on the Concord, you would arrive two hours before you left.
  27. You burn more calories sleeping than you do watching TV.
  28. The largest number of children born of a single woman was 69. The woman, a Russian peasant, gave birth to 16 sets of twins, 7 sets of triplets and 4 sets of quadruplets from 1725 to 1765.
  29. The word "nerd" was first used in the Dr. Seuss book If I Ran the Zoo.
  30. In Paraguay, dueling is legal as long as both parties are registered blood donors.
  31. The United States has never lost a war -  in which mules were used.
  32. Nobody knows who built the Taj Mahal.
  33. The Neanderthal's brain is believed to have been larger than the modern day human's brain.
  34. According to scientists, dolphins were once four-footed land dwellers.
  35. On average, people have four dreams per night. That's 1,460 dreams per year.
  36. The cost to run a 30-second commercial during the 2011 Super Bowl was $3 million.
  37. J.K. Rowling was the first person to earn $1 billion as an author.
  38. Fortune cookies are not Chinese; they were invented in San Francisco in 1920.
  39. According to Nielsen, Americans spend, on average, 53 billion minutes a month on Facebook. That averages out to 4 hours, 39 minutes and 33 seconds per person, per month.
  40. An octopus has three hearts.
  41. Alexander Graham Bell invented the telephone, but could never call his mother or his wife -  they were both deaf.
  42. Every human was but a single cell for approximately one half hour.
  43. The number one employer in Brazil is Walmart.
  44. Shakespeare was 46 when the King James Bible was written. In Psalm 46 of that work, the 46th word from the first word is "shake" and the 46th word from the last word is "spear."
  45. You cannot taste salt until you are four months old.
  46. More than 37 percent of Americans begin their Christmas shopping before Halloween.
  47. An Iowa man named Charles Osborne had hiccups for over 68 years. Studies claimed he likely hiccupped 430 million times.
  48. In her lifetime, the average woman will do 215 miles worth of ironing.
  49. Percy Spencer was inspired to invent the microwave oven after the chocolate bar in his pocket was melted by a vacuum tube.
  50. Two-thirds of the world's eggplant is grown in New Jersey.

 (Source: North Shore Bank Monthly Newsletter 11-01-2011)

Tagged in: facts fifty useless
Hits: 4117 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

 MADISON, Wisconsin (October 27, 2011) – The new Wisconsin law that allows a person to carry a concealed hand gun if that person obtains a concealed carry weapons license, is forcing many businesses to make some important decisions.
Business and property owners may post signs that firearms (concealed or open) are not allowed on the premises. The signs must be at least 5-inches high x 7 inches wide and posted in conspicuous locations near all entrances to the building. The prohibition applies to customers, vendors, guests and employees. Violations are subject to a $1,000 forfeiture.

But the new law raises several questions about liabilities and insurance coverage if someone is injured by a concealed weapon brought onto the property.  "Property owners or occupants who do not prohibit an individual from carrying a concealed weapon on their premises are immune from any liability arising from their decision," says Ron Von Haden, CIC, Executive Vice President of the Professional Insurance Agents of Wisconsin (PIAW). "Conversely, if a business prohibits concealed carry, it may be accepting some liability for the actions of customers and employees arising from the use of a concealed weapon."

If a business doesn’t prohibit concealed carry and an employee brings a weapon to work and that weapon falls on the floor, discharging and wounding a customer, the business owner is "immune from any liability arising out of its decision" under the law.  However, if the business prohibits weapons, then it has no such immunity. So the customer could presumably sue the business for negligence in failing to enforce its no weapons policy.

...
Continue reading
Hits: 596 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

Every year in the U.S. approximately 1.5 million car-deer collisions kill about 150 people and cause about $1 billion in vehicle damage.  In 2010, Wisconsin drivers reported 16,947 motor vehicle-deer collisions with 14 fatalities and numerous injuries. Approximately 70% of the fatalities involve deer-motorcycle crashes.  During the same time period, the Department of Natural Resources removed 26,595 deer carcasses from Wisconsin’s roadway system, indicating that only about half of all deer encounters with motor vehicles are reported.  October and November are typically peak months for deer crashes. The incidents are most likely to occur between 5 a.m. and 7 a.m. and between 5 p.m. and midnight.  "The number of persons injured or killed in deer crashes in our state has increased since the late 1970’s and drivers need to be especially alert now when deer are active and searching for mates," said Ron Von Haden, CIC, Executive Vice President of the Professional Insurance Agents of Wisconsin (PIAW).  "In most cases it’s best not to veer out of your lane to avoid hitting a deer. Often hitting a deer does less damage to your car than might be caused by swerving into a lane of oncoming traffic or leaving the road and ending up in a ditch," Von Haden added.
Here are a few tips from the PIAW for drivers traveling the highways of Wisconsin this fall.

 Deer move in groups. If you see one, there are probably more deer close by.

...
Continue reading
Hits: 540 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

It’s impossible not to laugh when America’s Funniest Videos runs a montage of people falling down. But when someone is hurt in a slip-and-fall accident on your property, the humor fades quickly. 
Nearly 9 million people seek emergency services from slips and falls each year, millions more see a doctor within a few days, and thousands more die.
Unfortunately, there’s also a pervasive belief that you’re automatically liable if someone slips on your property, which makes slip-and-fall scams the second most common type of insurance fraud. 

Winter is slip-and-fall season:
Not all injuries are visible in a slip and fall. If someone reports an accident on your property, treat him or her with kindness, respect and empathy, and collect the following information for your incident report: 

...
Continue reading
Tagged in: claim slips
Hits: 586 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

Emotional spending simply means you buy things when you feel a particular emotion very strongly. It could happen when you're stressed, happy, upset, hungry, angry, lonely, or tired. Usually when we try to avoid feeling something, we end up acting out in some way. Sometimes, that means spending money.
No one says to themselves, Gee, I'm feeling awfully upset right now. Now I feel the urge to buy a new pair of shoes in an effort to ignore my emotions! If it was that easy to recognize, none of us would do it. Ask yourself these questions to figure out if you are an emotional spender:

                           Do I reward myself with food, clothes, or other tangible items after a long day?

...
Continue reading
Hits: 501 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance
 
NU Online News Service, Oct. 17, 2:30 p.m. EDT

Scientists believe there is evidence that great earthquakes occur in clusters over a period of years and that a significant event is on the horizon, according to a report from catastrophe modeler Eqecat.

The report, “Spatial and Temporal Earthquake Clustering: Part 1, Global Earthquake Clustering,” lays out evidence that giant earthquakes of magnitude 8 or higher may occur in clusters over a decade or more.

...
Continue reading
Tagged in: earthquake scientists
Hits: 530 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

The following are several tips that could potentially save your life or the life of a loved one should a fire break out in your home or business:

1.) Install a smoke alarm on every level of your home or business.

...
Continue reading
Tagged in: alarm battery fire house
Hits: 557 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

Is your back trying to tell you something?  Nearly all of us experience back pain-often as early as our 30s.
Lower back pain can be largely prevented through stretches, strengthening exercises and good posture.  The core muscles-the back and abdominal muscles that support our bodies-are essential for good back health.  Daily exercises like walking and stretching help build strength and tone, and reduce the chance of injury.

What if it already hurts?  To relieve lower back pain, use ice to reduce the inflammation and take ibubrofen.  Avoid putting heat on the pain.  Also, using your muscles prevents stiffening, so continue your daily routine.  Movement keeps your back flexible and your spine lubricated, helping you ease pain.

...
Continue reading
Hits: 403 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

Doctors recommend these common sense ideas for managing off-the-ground activities that can quickly become danerous:
*Cleaning out gutters: Many people reach without thinking-and then discover they should have repositioned the ladder instead. Keep your weight centered and use a good quality ladder with wide rungs. And find a friend to hold it while you work.
*Roof repairs: A fall from a roof can result in serious head injuries or internal bleeding. The single most common safety step you can take? Wear a safety harness.
*Hunting from a deer stand: Too many people fall while putting up a stand, or fall from a stand while hunting. Wear a harness all the time.
*Alcohol Use: Refrain from alcohol if you plan to do something up high.
*Lack of Sleep: The risk of falling increases if you are sleep deprived.

(Source: Theda Care Inc)

Hits: 472 0 Comments
Rate this blog entry:
0

Posted by on in General Insurance

After consulting with the Environmental Protection Agency, DuPontTM voluntarily suspended the sale of its Imprelis® herbicide Aug. 15, 2011. This summer, Imprelis caused unintended damage primarily to Norway spruce and white pine trees. Most injured trees were in a concentrated region that includes Indiana, Michigan, Minnesota, New Jersey, Ohio, Pennsylvania, and Wisconsin.  

DuPont soon will conduct a product return and refund program, and made it clear that it intends to stand behind its products and is committed to being a good steward. 

...
Continue reading
Tagged in: DuPont herbicide trees
Hits: 504 0 Comments
Rate this blog entry:
0

Two Locations to Better Serve You!

Pulaski, WIMarion, WI 

745 US Highway 32
PO Box 259
Pulaski, WI 54162-0259

Tel: (920) 822-3695
Fax: (920) 822-1177
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

230 Mavis Road
Marion, WI 54950

Tel: (715) 754-5254
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

pia-logo