Tips for Buying Small Business Insurance

Keeping Dreams Alive in Whitewater

What Is Equipment Breakdown Coverage?


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Swapping the hustle and bustle of daily life for a campre and sleeping under the stars? Yes please.

Whether you’re embarking on some hardcore hiking or just pitching a tent in the backyard, camping safety tips are universal. No matter how you experience the great outdoors, you can make your adventure more enjoyable by exing your camping skills.


The best part about camping? You don’t need much to escape into the wilderness. Once you’ve packed your tent, sleeping bag, food and water, pull together these other essentials:

First aid kit. Your rst aid kit and preparation is going to be your rst line of protection. Stay prepared with:

Anti-septic wipes Antibacterial ointment Bandages Gauze and rst-aid tape Aspirin/pain-relief medicine Anti-itch cream Tweezers A rst-aid guide

Bug repellant and sunblock. Keep yourself itch and burn free. You’ll enjoy the trip a lot more!

Matches or a lighter. Without a campre you have nowhere to tell scary stories, so pack your re starters and brush up on your re building skills. In addition, that re is going to keep you warmer and can help others nd you if they need to.

A knife or multi-tool. There will always be something to cut—ropes, shing line, food—you’ll be happy you have your knife with you.

Flashlight or headlamp. Once the sun goes down, your ashlight will keep you on the right path. And if you use a headlamp, you can still have your hands free to toast s’mores!


Once you’re set with the necessities, decide what to bring to make your trip even better. The only limits are what you want to carry!

Camp stove and cookware. Expands your menu of cooking options and makes the process easier and more ecient.

Back-up batteries and chargers. Keep your ashlights, cell phones and cameras powered up, so you never miss that perfect picture.

Deck of cards. A camping trip is never complete without a hotly contested game of spoons or slap jack. (Perfect for a rainy day stuck in the tent, too!)

Camp chairs and TV trays. Who says dinner in the wilderness can’t be ve-star dining experience?

Hammock. Perfect for dozing o in the afternoon, or nally picking up the book you’ve been meaning to read. Bring extra ropes to secure it in case you can’t nd trees close enough together.

Lawnmower Safety on the Farm

Protect Against Projectiles Of course, mower blades are moving quickly. But, did you know that they can throw debris, rocks and other materials at speeds exceeding 100 mph? That’s fast enough to break a window, dent siding or potentially injure bystanders. And this is where your safety equipment comes into play. Remember to always wear impact resistant eyewear. And be sure that your feet are well protected with a sturdy set of boots. Safeguard Yourself Lawn mowers can get loud, so keep the noise down by putting on a pair of ear mus or use disposable ear plugs. It’s smart to keep gloves handy, as you’ll likely need to be moving debris while mowing. Consider wearing a dust mask on dry days, too. Respect the Ride We spend a lot of time teaching our kids how to drive a car correctly, so take the time to observe kids on a riding mower and educate them about staying safe. Prior to operating, remember to inspect the undercarriage, and safely remove any collected debris with a stick or broom handle, not with your hands. Watch new users on a test drive; never let them ride alone the rst time without a trainers’s eye. Have them perform a series of skill-based moves that should be mastered in order to operate the mower safely. Start by surveying the area and take a look around for objects and terrain which could pose a hazard. Once identied, remove or ag these items. Preventative steps like these can reduce the risk of launching debris into the air or

potentially damaging the mower. Also have them review important sections of the mower’s user guide too. Often, manufacturers will post how-to videos online that can round out training for kids and employees. They’ll be smarter about how to operate the machine

correctly and you’ll have greater peace of mind knowing that they’re well trained. Remember to reinforce safe mowing skills by oering rewards for being careful.


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Here are just some of the reasons why a DreamSecure Whole Life Insurance policy for your child or grandchild may be the right choice: Long-term protection at lower premiums. Since the cost of life insurance depends largely on age and health, purchasing a policy when theyʼre young can lock in a lower premium. “It can be easy to find a Childrenʼs Whole Life Insurance policy that fits your life and your budget.”

The security of future insurability. Buying life insurance for a child now not only provides lifelong coverage** but will also allow them to buy additional life insurance at certain times in the future when their needs change, regardless of health chang- es. Cash value that grows. As your child grows, the cash value of the policy builds. So the earlier you start, the better. It can be easy to find a Childrenʼs Whole Life Insurance policy that fits your life and your budget. American Family Life Insurance Company offers three coverage levels: $25,000, $50,000 or $75,000, with 10 and 20-year payment options. A 10-year payment option* means a slightly higher premium, but you may be able to pay it off before your child ven- tures out on their own. A 20-year payment option is fully paid for in 20 years, and the premiums are more affordable than the 10-year payment option. Whichever option you choose, your premi- ums will never increase. And once the payments are done, the coverage is there forever.** Now thatʼs peace of mind. A DreamSecure Childrenʼs Whole Life Insurance policy from American Family Life Insurance Company is protection that can change as your childʼs needs change. With the built-in Guaranteed Purchase Option Benefit† additional coverage can be purchased on the insured with no additional medical exams. This coverage can be added at specific ages or when major life events take place, including marriage, becoming a parent or buying a house. This makes it easy to get the cover- age they need at different ages and stages of life.

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Why Auto Insurance Rates Are Increasing? Your insurance company sets your car insurance rate based on a number of factors, and while you do have some control over what determines your rate — for example, driving history, filing claims, speeding tickets — there are other factors out of your hands: Increasing repair costs. Since the cost of repairs is going up, particularly because of new vehicle features made with expensive technology, your insurance company might raise your rate to account for the higher claims theyʼre paying out for repairs. For example, a simple fender bender with a newer car, equipped with new safety technology, like rearview cameras or sensors, can cost much more than a fender bender with an old car. These complex designs in cars mean more costly materials and expensive repairs.

Increasing medical costs. On a similar note, the cost of medical care is also rising, so insurance companies are maxing out on policy limits to cover the increasing costs of medical expenses. These changes could also result in a possible rise in your car insurance rate. You moved. When you change where you live, you change where you drive. New areas can mean a different rate since you might be moving into an area with a different type of traffic — for example, moving from the grid- locked traffic of Chicago to gravel roads in rural areas. More drivers means more accidents. One of the biggest reasons car insurance rates are going up across the country is that there are more drivers on the road than ever. And with more accidents come more insur- ance claims the company has to pay out, resulting in — you guessed it — higher auto insurance rates for you (regardless if you were the one in the accident or not). Mother Nature. With natural disasters occurring more frequently over the last decade,

tickets year after year, but factors like the above, not to mention things like costlier accidents, insurance fraud and no-fault poli- cies, could be to blame for the rise in your insurance rate. The uncertainty of the uninsured. Car insur- ance is legally required in almost every single state, but that doesnʼt mean there arenʼt drivers on the road without protection. While the number of uninsured drivers on the road has decreased over the last decade, according to the Insurance Research Institute, the amount of uninsured claims that insurance companies are paying continues to rise. And though it doesnʼt seem quite fair, your car insurance rate may increase due to these costs. On that note, you may want to consider adding uninsured motorist coverage. This coverage financially protects you if you get into an accident with an uninsured motorist.             

car insurance companies are receiving more claims than years before. Comprehensive coverage protects you from weather disasters such as hail storms, floods, tornadoes — which is favorable for you — but insurance companies are paying billions of dollars each year for car damages due to weather related incidents. Thatʼs why you might see an increase in your car insurance rate. You might be a great driver who avoids accidents and

What Is Equipment Breakdown Coverage?

You do what you can to protect your home from the unexpected — thatʼs one reason you have home insurance — but to truly protect your home, itʼs import- ant you understand all the ways you can keep it safe. Homes are becoming outfitted with new and advanced equip- ment, which is great for convenience, ease and keeping homes safer. But this cutting-edge technology comes at a cost when replacing certain equipment in your home gets pricey. Thatʼs why itʼs important to know about your option to add equipment breakdown coverage. Equipment breakdown coverage is added coverage that offers protection should your appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems breakdown. Letʼs take a closer look at this coverage. What Does Equipment Break- down Coverage Cover? Did you know that 18-24% of new appliances fail within the first year? And as homes increase in size with more complicated and expensive equipment, the need for this coverage will increase.

Having this coverage can protect you from paying the expen- sive repair or replacement costs that accompany a breakdown of important pieces of equipment in your home, including: Refrigerators, ovens and stoves Washers and dryers Heating and cooling units, including furnaces and water heaters Home security systems Electrical systems

Computers Well pumps Swimming pool equipment Garden tractors Learn More

This coverage also protects you off-premises, for things like your laptop. And if your home becomes uninhabitable due to an equipment breakdown, youʼll be covered for additional living expenses, like hotel and food costs, while your home is being repaired. Also, another benefit of having equipment breakdown coverage is the policy pays an additional 50% of the cost to replace a covered piece of equipment with an Energy Star or similar “green” rated model. How Important Is This Coverage? You rely on equipment like appliances, heating and cooling units, and electrical systems to keep your home running smooth- ly. And if something breaks down, your standard home insur- ance policy wonʼt cover the cost to replace it — leaving you to pay out of pocket. But having this coverage will financially protect you from those unexpected expenses. Letʼs say electrical arcing damaged your electrical service panel. Your boiler control, television, stove and microwave are all severely damaged. Nothing can be repaired and all the affected items need to be replaced. Your total for the equip- ment damage comes to $8,500. None of this is covered by your standard home insurance policy, and youʼd have to pay that cost out of pocket. However, adding equipment breakdown coverage would help cover the costs to repair or replace the damages up to your policy limit after you pay the $500 deduct- ible.

What Coverage Does Your Small Business Need? The more you know about your business and the industry you’re in, the more ready you’ll be to find the right coverage. Be prepared for your first meeting with your agent by building a full list of company information. This list should include business type, industry insight, financial records, property info, number of employees, and potential risks and liabilities. An assessment of your risk and liabilities will be used to build your policy. So the more you know and share, the more accurate and effective your coverage will be. Tips for Buying Small Business Insurance

Take a look at some coverages you’ll likely need as a small business owner: Building coverage. If your space is damaged, property coverage works hard to help you regroup and restore. We’ll also help cover the loss of income and extra expenses you incur while repairs are being made.

Business personal property coverage. Makes sure the equipment that drives your business — computers, copiers, tools, etc. — is protected too. Business liability protection. Accidents happen — even at work. Business liability protections protects you from any bodily injury, property damage and/or personal and advertising injury expenses that arise from your business operations. Commercial liability umbrella policy. This policy adds another layer of

protection to your primary business liability coverages by giving you extra security against legal and financial incidents that could jeopardize your business dream.

Smart protection for the place where you bring your dreams to life .

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What Does Identity Theft Insurance Cover? From helping minimize worry to overcoming obstacles during the process, identity theft insurance is designed to support you during a stressful time. Identity theft not only comes with financial loss, but you’ll probably have a lot of issues to resolve, like restoring your credit and financial reputation. Identity theft insurance offers restoration services to help make the process easier on you and your family. While proactively protecting your identity is available through credit monitor- ing, restoring your identity following a theft is made easier and less painful when you have identity theft insurance. Take a look at the benefits of ID theft insurance: Protects your pocket. This high-value, low-cost coverage helps protect against the high costs related to restoring your identity and good name. This endorsement covers expenses such as legal fees, loan reapplication fees, notary expenses and lost wages due to time taken from work to restore your credit. Get support, save time, enjoy convenience. Following an ID theft episode, you’ll be making a lot of contact with businesses and credit reporting compa- nies, which can take up a lot of time. With identity theft insurance, you’ll have a dedicated fraud specialist from CyberScout assigned to you to work with third parties like law enforcement, credit bureaus and collection agencies to help you get back on your feet again. They’ll work with you one-on-one to provide guidance through the resolution process, minimizing your stress, expenses and lost time. We’ll also cover costs up to $25,000 that help you repair any damage done to your good name — think attorney fees, lost wages, long distance phone calls and certified mail.

Document replacement assistance. We’ll help you obtain new documents, like Social Security cards, birth certificates, passports and driver’s licenses if yours have been lost, stolen or compromised. Peace of mind. Having identity theft insurance along with a credit monitoring service helps give you more peace of mind — because you know you have a plan in place. If your information were ever to fall in the wrong hands, we’ll be by your side every step of the way. How Much Does Identity Theft Protection Cost? You can add identity theft insurance to your existing homeowners, condo, renters or manufactured home insurance policy for an affordable price — usually less than one dinner out with family or friends! And, while identity theft insurance is important to have, having a credit monitoring service in place hopefully helps you avoid ever having to use it. We offer two options for your credit monitoring service: Silver plan. The silver plan allows you to stay up-to-date with daily monitoring of your personal records, including email alerts for any changes and an annual credit report and score from Experian. Gold plan. The gold plan expands your monitoring services to three credit bureaus — TransUnion, Experian and Equifax. Daily monitoring from these three bureaus helps you make more informed financial decisions. It’ll also help you detect any suspicious activity of your personal records by sending email alerts for changes that may appear on your credit reports and to your credit score. Want to boost your ID theft smarts? Check out our ID theft risk calculator. Find the Right Identity Theft Coverage Experiencing identity theft is stressful, there’s no denying that. But with our help and resources, you’ll get back on track — and you won’t be doing it alone. Talk with your American Family Insurance agent to find out how adding identity theft protection to your homeowners coverage can help proactively protect you and your family.


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