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Does Your Landscaping Business Need Commercial Vehicle Insurance?

Your landscaping business will be booming this fall, make sure you have the protection to keep it up and running.

If you own a landscaping business, chances are you already have the general liability, business owners, and workers compensation insurance you need.  However, even with these policies, your business may not be completely covered.  Find out how commercial vehicle insurance can offer your business the protection it needs.

Why do I need commercial vehicle insurance?

As a landscaper, or owner of a landscaping business, you and you employees spend a lot of time driving to different jobs.  Any time you or your employees are driving for business purposes, you are in danger of a commercial vehicle accident.  Even if you use your personal car for work, your personal auto insurance may not cover damages incurred during commercial use of your vehicle.   The best way to cover all the vehicles used in your business is to consider a commercial vehicle insurance policy.

What does it cover?

Like a personal auto policy, commercial vehicle insurance protects against liability risks and offers compensation for vehicle damages.  However, instead of simply covering you, a commercial vehicle policy covers you and anyone else who drives the insured vehicle(s).  This is why it’s particularly important to have a commercial vehicle policy if your landscaping business has employees.   A standard policy will provide liability coverage, coverage for medical payments, collision coverage, and so on.

Speak to your insurance company to make sure that your landscaping business has all the coverage it needs.  If you are looking for commercial insurance,  contact the professionals at Scavone Insurance today.  Our friendly team is ready to assist you with all your insurance needs.

How to Save on Your College Student’s Auto Insurance

If your child is heading to college this year, there’s a chance you could be saving.

Generally, drivers under the age of 25 have the highest auto insurance rates.  This is because younger drivers are deemed high risk and are more likely to get into an accident.  If your kid is going away for school this year and won’t be driving, then you have a chance to lower your student’s car insurance premium.  Talk to your insurance agency about these possible discounts.

Take your child off of your policy.

Many insurers will allow you to temporarily remove your child from your auto policy.  However, this is more common for students that are moving over 100 miles away for school.  If your child isn’t going quite that far, this may not apply.

Student away.

If you don’t want to completely remove your child from your policy, you may be eligible for student away discounts.  Again, while students generally qualify if they’re over 100 miles away, speak to your auto insurance provider to verify.

Occasional driver.

Another way to save if you want to keep your student on your policy is to change their status from primary to occasional driver.  Be warned, insurers may have different interpretations of “occasional driver” so check with your insurance agency.

Good student.

If your child gets good grades, you may qualify for a good student discount on your auto insurance.  The grade specifications vary, but normally students who maintain a B average and can provide proof (an unofficial transcript will suffice) are eligible for these discounts.

Keep in mind that many of these money-saving strategies will require you to adjust your policy when your student is home for breaks.  Speak to your auto insurer to find out how you can save while your child is away.  For all your auto insurance needs, contact the professional team at Scavone Insurance today!

Fall Driving Dangers

Stay safe this fall by watching out for these seasonal driving hazards.

When temperatures drop and the kids get ready to start a new school year, you know that autumn is finally here!  Though fall is beautiful with all its golden leaves and soft sunshine, the start of the season also means a fresh batch of driving dangers to watch out for.  Keep you and your family safe this autumn by keeping these driving hazards in mind.

Rain

The first few heavy rains of the season are particularly precarious.  Rainwater collects on top of accumulated oil and dust, making the streets slippery and difficult to maneuver.  Drivers should take care to reduce their speed and to avoid sudden, hard breaking when driving through the rain.

Leaves

While autumn’s falling leaves might be beautiful to look at, they also pose a serious risk for drivers.  Fallen leaves can make streets slick, obscure traffic markings, and even conceal road hazards such as potholes.  When driving in areas with damp leaves, give yourself more time to react to a potential hazard by leaving ample space between your car and the car in front of you.

Fog

Cooler fall temperatures frequently lead to more foggy mornings.  Fog can affect your visibility and can make it difficult to judge distances.  If faced with heavy fog, use your car’s low beams rather than its high beams.  High beams can reflect off of fog, creating glare and reducing visibility to an even greater degree.

Increased Traffic

The return of fall means it’s back to school for the kids, and drivers should be aware of increased vehicle and pedestrian traffic.  It is particularly important to be vigilant near bus stops and in areas close to schools.

Be aware of these fall driving dangers and stay safe all season long.  Remember, part of staying safe is having the right insurance coverage.  This fall, contact the insurance experts at Scavone Insurance for all your insurance needs.

Home Maintenance Tips for the Fall

Homeowners, prepare your home for the upcoming autumn season.

While the thought of fall may bring a chill to homeowners, ensuring your property is kept clear of damage in autumn weather is a task to take on now!

As we may well be about to face inclement and adverse weather, spare a thought for your home’s health, and add these tasks to your To Do checklist!

Exterior Maintenance 

  • Drain sprinkler systems so that the water does not freeze and burst the pipe.
  • Prune shrubs and trees.
  • Remove debris and leaves from gutters and downspouts to prevent ice damage.
  • Inspect the roof for damage or missing slates.
  • Hire a professional to examine and clean the chimney.

Interior Maintenance

  • Tune up the boiler or furnace before turning it on.
  • Caulk doors and windows that are drafty.
  • Test the batteries in your smoke and carbon dioxide alarms.
  • Hire a professional to check your heating system. These systems will use fuel more efficiently, last longer, and have fewer problems if properly serviced.
  • Change the direction of your ceiling fan to create an upward draft that redistributes warm air from the ceiling.
  • Review your homeowners’ insurance.

As you drain your faucets, don’t drain your wallet. Autumn can bring destruction on a home which can take huge expenses to repair and rebuilding. Homeowners insurance is designed to financially aid home repairs after a named peril, such as fire, theft, vandalism, hail, or a natural disaster.

So that your home is protected throughout the fall and year-round contact Scavone Insurance today! Our insurance services can protect your home from the autumn weather approaching.

Protect Yourself and Your Business with These Policies

Your business took a lot to build up – protect it with reliable insurance.

Any business, large or small, is most likely thinking forward about the future and how to build up their business. Despite the huge potential for business, owners should be smart in protecting their company. This includes protecting it from legal errors, financial strain, and reputation damage. Securing business liability insurance is a concrete way to protect your business’ foundation!

Business liability insurance protects your business in the event of a lawsuit for personal injury or property damages. It will usually cover the damages from a lawsuit along with the legal costs, whether or not the case is won or lost. 

Types of Business Liability Insurance

General Liability Insurance: This provides coverage to protect your business from injury claims, property damages, and advertising claims. Also known as Commercial General Liability (CGL), it may be the only type of business liability insurance you need depending on your situation!

Professional Liability Insurance: Businesses that provide services will need to consider having this coverage to protect from errors, malpractice, negligence, omissions. Depending on your profession, it may be a legal requirement to carry such a policy. Doctors and those in the tech industry are likely to need this coverage.

Product Liability Insurance: Small businesses selling or manufacturing products should be protected in the event of a person becoming injured as a result of using the product. The amount of coverage and the level of risk depends on your business type, so be sure to talk to your insurance agent about your risks.

Are you ready to receive quality business liability protection? Get started on your customized policy today by contacting Scavone Insurance.

How to: Stay Hydrated This Summer

Keep your cool this season by staying hydrated. 

Now that summer has landed, the temperatures are rising and the heat is sweltering. It’s hard to believe that there’s a downside to summer weather, but there’s one – dehydration! Dehydration occurs when your body loses more fluid than it’s taking in.

It’s not just those who exercise during midday that needs to take extra precautions to stay hydrated – the heat and humidity can affect everyone. During the season, plenty of people suffer from dehydration more so than other months. It’s essential to keep drinking water and stay hydrated once the temperatures skyrocket.

For tricks on how to stay hydrated this summer, read on!

Drink water. Water plays such a vital role in hydration. Water does so much for your body to run properly, but it also aids in keeping your body temperature steady, as it pulls heat away from your vital organs. Ensure that you’re sipping on water throughout the day.

Avoid drinks that dehydrate you. Coffee and alcohol, in particular, are diuretics. Essentially, they flush much-needed water from the body and cause mild dehydration. The last thing that your body needs in the hot weather is to be losing water. Instead of reaching for your morning coffee, have a non-caffeinated green tea or a fruit juice to wake up!

Avoid outdoor activities at midday. Don’t make plans for strenuous activities during the hottest part of the day (typically early to mid-afternoon) as the sun is at its most intense.

Eat clean foods. Eat water-rich foods like fruit and vegetables to automatically up your fluid intake. To boost your water intake, eat plenty of cucumber and watermelon that are made up mostly of water. Avoid processed foods like chips, crackers, and baked goods, which will have minimal water content.

Staying hydrated during the summer heat is essential for every individual. From the insurance experts at Scavone Insurance, we hope that you stay cool this summer! Be sure to contact us for all of your insurance needs.

How to: Make Your First Home Insurance Policy Affordable

Buying a home? Don’t lose money with an over-priced home policy.

After an exhausting process of finding the perfect starter home, buying the first homeowners insurance policy that you can find sounds pretty good. While this is tempting, it’s important not to do this.

Home insurance is just as crucial as securing the right mortgage rate! With this coverage, your beloved home and large investment are kept in great shape for years to come. Even though it’s hard to imagine your sparkling new home in disarray in the aftermath of a natural disaster, accidents happen.

If your new hubby or happy family are looking for your first home insurance policy, here are some tips to keep your coverage high and rates low!

Don’t just go for the cheapest policy.
In a ridiculously cheap policy, it’s likely that the coverage will be less than minimal. You’ll need to secure the right amount of protection for the risks to your dwelling, personal belongings, and liability.

Save by bundling your policies.
Many insurers will grant you savings when you purchase multiple policies from them. This way, you can enjoy managing all of your policies under one entity and save money! That’s what we call a win-win.

Understand your coverage limits.
You should always know what exactly is covered in your policy – and what isn’t! If you find gaps in your policy, be sure to call your insurer to learn how you can protect yourself, your finances, and your assets. In many cases, you can increase or decrease your coverage limits, which means that you get the protection levels you want!

Review your credit score.
Not only does a good credit score help you to get a better interest rate on your mortgage, it could also help you to save on your homeowners insurance. If you have less than ideal credit, improve it by spending less, reducing your debt, and paying your bills on time.

Are you ready to secure the right homeowners insurance policy for you and your new home? Contact Scavone Insurance to get started today!

Healthy Office Snack Idea – Natural Smoothie That Heals the Gut & Boosts Energy

Make these delicious green smoothies to keep you healthy and energized all day long.

As summer comes to an end, it means less time being spent outside and less daily exercise. Luckily there exist some foods that naturally boost our energy and even clean and keep our gut healthy. Smoothies are a great way to ingest these foods because they are easy to take with you on-the-go, and you can cram a lot of nutrition into every glass. Making the perfect smoothie is subjective, of course, but we find that blending the ingredients well, and keeping it simple usually get the trick done.

Gut-Healing Green Smoothie (Serves 2)

  • 1/2 avocado
  • 1 banana (frozen, if you want)
  • 1 tablespoon chia seeds
  • 2 tablespoons of ground flaxseeds
  • 2 cups of kale leaves
  • 2 1/2 cups of water
  • 4 tablespoons of hemp seeds

Nutritionally Packed Green Smoothie (Serves 2)

  • 1 cucumber (chopped)
  • 1 lemon (juiced)
  • 1 tablespoon ginger (peeled and grated)
  • 1 tablespoon ground flaxseed
  • 1 1/2 cups of water or almond milk
  • 2 pears (peeled and chopped)
  • 4 cups of kale leafs
  • 5 ice cubes

Post-Workout Green Smoothie (Serves 2)

  • 1/2 of an avocado
  • 1 banana (frozen, if you wish)
  • 2 cups of baby spinach
  • 2 scoops of protein powder
  • 2 cups of cold water or almond milk

The best way to prepare these ingredients is to place them inside of the blender and mix until it is smooth and creamy. If you like pulp, then mix it for less time to get the little pieces of fruits and vegetables swimming around.

While eating right and drinking green smoothies can definitely help your health, it’s important to know that you are financially covered in case something does go wrong, and you’re forced to go to the hospital. Does your health insurance include preventive services that fit your needs? Contact Scavone Insurance.

Healthy Office Snacks for an Energized Team

Offering a selection of healthy snacks helps your team to stay on point.

You expect your staff to spend a lot of time at the office, so why not try to make the most of it? Offering tasty and healthful snacks can help keep energy, spirits, and productivity up – all at relatively little cost to your business. What kind of snacks are best for the office? Use this guide to the top healthy choices for stocking your breakroom.

Fruit & veggies

It shouldn’t be surprising that fresh fruits and vegetables are nutritionists’ top picks for healthy snacking. Most Americans aren’t getting enough servings of these crucial food groups, so by offering them, you can help your team overcome this deficit. If you’re having trouble keeping fresh produce in stock, consider unsweetened dried fruit. Packed with fiber and nutrients, this is a fantastic long-lasting option.

Nuts

Help your team fit in their healthy fat and protein by offering mixed nuts. Raw and unsalted nuts will be better for your staff’s health, but offering some roasted or salted options can help mix things up.

Sandwich or rice cake bar

Looking for something customizable? Consider setting up a whole wheat sandwich or brown rice cake bar. Your team can then load up their grain of choice with peanut butter, sliced bananas, or their other favorite toppings.

Water

Switch out the sugary drinks and caffeinated beverages for bottled water. Even being a little dehydrated can wreck havoc with our concentration and energy, so be sure to sip on water throughout the day.

So you can focus on feeding your team, let us focus on covering your hard-to-insure risks. To learn more about how our workers’ compensation programs and products have been serving thousands of insurance agents across the nation, contact Scavone Insurance today.

How to Conduct Your Home Inventory

Part of keeping your home safe is protecting it with reliable homeowners insurance.

You may think that you know exactly what is in your home. However, when it comes to the aftermath of a disaster, and you have to list which items you’ve lost, valuing your personal property from memory is harder than you think.

For this reason, home insurers ask homeowners to complete a thorough home inventory of all possessions. By having a physical list and photographic evidence of home contents, insurers can match coverage to the value of items accurately. Also, filing a claim is made that much simpler!

Here’s how to get started!

Put It On Paper

Write down a list of all of your belongings. The written description should include the date of purchase, original cost, and any improvements. Write down serial numbers for TVs, computers, and electronics, as well as keeping receipts along with the paperwork. As you sell or buy new belongings, ensure to add or remove the items from this list.

Shoot It

If you have a video camera, use it to establish additional documentation of your home and belongings for insurance purposes. Recording valuable items may be used as evidence in the case of theft, fire, or damage. As a rule of thumb, scan all rooms, shoot close-ups of all valuable items, and provide auto-commentary of details that may not be visually apparent. Store this tape in a locked file cabinet and upload it to the computer so that you have a digital copy.

Store It

Once you’ve captured all of your belongings on video and paper, you’ll want to store these files safely. If your home burns down, a home inventory will be of little use if it burns down with it. First, make a digital copy of both and email them to yourself. Secondly, keep the papers and video film in a fireproof box safely in the home or outside of the property.

Update It

Once you have established a complete inventory of your property, it should be easy to update it periodically.

Now that your home inventory is complete, contact Scavone Insurance today to get your reliable homeowners insurance.

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