When it’s cold outside, you need to keep your home warm and toasty, but you also want to keep it safe. Heaters, fireplaces, and other methods of warmth can also create fire hazards. While fireplaces may be designed to contain fire, they still require caution and regular maintenance to effectively manage flames, embers and smoke. 

Here are some tips to make sure you are keeping your home safe this winter: 

• Test your smoke alarms on a consistent basis and keep fire extinguishers handy.  
• Sweep dust bunnies regularly.
• Place your heater a minimum of three feet from all flammable items.
• Make sure candles are kept away from flammable objects.
• Use the 1:1 rule — only plug one heating appliance into an electrical outlet at a time.
• Unplug appliances and completely put out fires in the fireplace before you leave the room or your home.
• Have fuel tanks filled and maintained throughout the season.
• Use a fireplace screen to prevent hot embers from flying out and catching your possessions on fire.
• Service wood-burning or pellet stoves according to the manufacturer’s instructions.

Winter Weather Maintenance Practices for Your Home

Along with fire prevention, homeowners should perform winter maintenance to keep temperatures inside the house warm when it is cold outside.

• Do not set the heater lower than 55 degrees, as the temperature inside the walls where water piping is located is colder than in living spaces. Also, keep doors open within the house to maintain an even temperature throughout.
• Prevent drafts and heat loss by adding weather stripping around doors and caulking windows. Install storm windows, if appropriate.
• Check for water leaks and make repairs, if needed. If a water pipe is exposed in an unheated area, such as a garage or crawl space, wrap the pipe in UL-listed heat tape; use only thermostatically controlled heat tape on plastic piping.
• Learn where water pipes are located and know how to shut off the water supply in the event of an emergency to prevent damage.
• Clean out your dryer lint trap or lint screen after EVERY use. It takes only a couple of seconds and can help stop a potential fire before it ever becomes a significant risk factor. Debris that builds up in the lint trap can catch fire when exposed to the appliance’s heat settings.

Winter is prime time for house fires, with more deaths occurring in December through March than any other time of the year. Develop an exit strategy with your household and run practice drills with your family to help avoid preventable tragedy. 

Related: Creating a Fire Escape Plan

With knowledge of the most common fire risks, our tips for fire prevention and a strong emergency response plan in place, you and your loved ones will be well equipped to protect yourselves and your home.

The size of your business does not impact the need to make safety a top priority for your organization. It could be argued that the smaller the business the more important safety becomes. The average cost for all claims combined for accidents that occurred in 2020-2021, according to the National Council on Compensation Insurance (NCCI) database, was $41,757. This cost significantly changes based on the nature of the injury. 

Employers of different sizes typically cannot absorb these costs equally. The smaller the business, the greater the financial strain.

Small businesses will sometimes contend that they do not have the same resources available as their larger counterparts to invest in a safety program. This includes time to spend on training, updated and safer equipment, time away from production and finances. However, even though some small business owners may find the cost of a safety and health program daunting, the benefits of the investment far outweigh the possible consequences of not doing so. 

We’ve outlined seven ways, according to OSHA, that investing in safety can actually benefit the bottom line:

1. Lowers workers’ compensation insurance costs
2. Reduces medical expenditures
3. Increase productivity
4. Enhances morale
5. Decreases turnover
6. Saves money on overtime benefits
7. Improves labor-management relationships

The IMT Loss Control team can help strengthen the safety environment for your business. Learn more about our approach on the Loss Control Services webpage. Keep your small business running by keeping your employees safe! 

Holidays in the winter can be magical, but also can introduce fire hazards in your home. To prevent and prepare, check out the potential risks that may be present in your home during the holiday season. 

Take Care When Decorating

When decorating your fireplace mantel, be sure to keep combustible materials such as greenery or ribbons away from any possible spark or flame. Never hang stockings in front of a burning fire. This particular decoration could be hung when a fire is not lit but should be moved when the fireplace is in use. 

Keep candles away from items that easily catch fire, such as decorations, window treatments and paper. Also, be sure candles are kept far from children’s reach and are extinguished any time you leave the room. Candles are particularly easy to knock over or bump into, posing additional risk. 

Preparing the Holiday Feasts 

The kitchen may be the heart of your home, but cooking equipment is the leading cause of all home fires according to the National Fire Protection Association (NFPA). Cooking using the stovetop, microwave or conventional oven can easily spark fires. Heat sources can catch flammable materials like oven mitts and hand towels on fire, while cooking protein-rich foods without caution can result in grease fires, fire and smoke damage, and lingering, unpleasant odors and potentially toxic residue.

Related: Tips for Using a Turkey Fryer Safely

Remember to remain in the kitchen while food is cooking. As an extra precaution, keep an appropriately rated fire extinguisher within easy reach in the kitchen. Class B extinguishers are suitable to combat grease and oil fires.

Outlets & Electrical Operations

In addition to all the gadgets we use daily, the holiday season introduces items needing to be plugged in. When getting lights and cords out of storage, check to make sure there’s no damage or fraying as this can spark an electrical fire. Look for testing labels that certify the safety of your electrical appliances and equipment. If an appliance is old or the safety label is missing, consider getting a professional inspection or replacement.

If you are plugging in a decorated tree, this should be positioned at least three feet away from fireplaces, radiators and other heat sources. Remember to unplug electronics when not in use, including holiday lights.

Following the opening of gifts, do not burn used wrapping paper in the fireplace as it may cause intense flash fires. Consider recycling these wrappings instead. Enjoy the holidays and the beauty and joy that comes with them while keeping you and your family safe!

Severe winter weather can be both intimidating and dangerous for automobile travel. The Federal Highway Administration estimates that over 500,000 automobile accidents in the United States are caused each year by snow, sleet, and ice on the nation's roads, highways, and freeways. And nearly 2,000 motorists per year are killed due to these treacherous weather conditions.

Know Before You Go

During the winter season, prepare yourself to safely drive your vehicle in cold weather conditions:

• Never warm up the vehicle in an enclosed area, such as a garage, even with the garage door open.
• Check your vehicle’s antifreeze, battery, and windshield wiper fluid.
• Keep tires properly inflated and check the treads.
• Make sure your vehicle’s headlights, taillights, and flashers work as expected.
• Dress warmly, keep your charged cell phone by your side, make sure you have at least half a tank of gas, and bring an emergency kit with you. Include items such as blankets, jumper cables, a shovel, a flashlight, salt, and water as part of your kit.
• If planning a long-distance trip, check the weather report and delay the trip if bad road conditions are expected. 

Staying Safe on the Winter Road

To help in case you encounter a dangerous situation on the road this winter, here are some winter driving tips: 

• Accelerate or decelerate slowly on snow or ice. Drive slower than normal.
• The normal following distance of 4 seconds for dry pavement should be raised to 9 or 10 seconds for winter weather conditions, giving you a wider safety margin.
• Try not to power up hills, since applying extra gas on snow or ice-covered hills can start your wheels spinning. Instead, try to get more inertia prior to the hill since this momentum will help carry you to the top.
• Do not use cruise control when driving on ice and slippery surfaces.

Prepared for Winter Driving Challenges

Emergencies happen, so here are some tips to keep in mind:

• If you become snowbound, stay with your vehicle and phone for help.
• Tie a brightly covered piece of cloth to your antenna or place a cloth at the top of a rolled-up window to signal distress.
• Put your emergency flashers on. If possible, periodically start the engine and heater to maintain some level of warmth in your vehicle.

Review your auto insurance coverage to make sure you are covered for damage to vehicles from falling ice and tree limbs. Contact your IMT Agent if you have any questions about your car insurance policy.

When temperatures drop and water freezes, homeowner issues can become a troubling reality. The damage caused from freezing conditions is typically covered by a homeowner insurance policy, there is usually a requirement that stipulates a homeowner has taken reasonable steps to prevent these losses.

How to Avoid Freezing Pipes

Properly maintaining pipes and drains, and keeping the house temperature warm, are easy ways to avoid freezing conditions. Additional tips include:

• Insulate pipes, especially those leading to the outside, and plug holes around the pipes with insulation or spray-in foam. Make sure there is warm air flowing around and under sinks to make sure they will get adequate heat.
• Set the heat in the home warm enough to avoid problems. At night, the heating system needs to circulate water through radiator and baseboard heating units to avoid freezing.
• Make sure there is clear access to the main water shut-off valve in case there is a leak or a pipe suddenly bursts.
• Open the water faucets in your sinks enough to allow a slow trickle of water to maintain the flow of water in the lines and help prevent freezing. Make sure your sink drains are open.

What is an Ice Dam?

An ice dam is an accumulation of frozen water in the gutter system and at the roof edge that prevents subsequent drainage of melting snow from leaving the roof/gutter system. Ice dams are common in areas that receive heavy snow buildups.

In most cases, ice dams begin inside the house, when heated air leaks up into the unheated attic. In the winter, the roof above the unheated attic is cold. When warm air leaks into the attic, it creates warm areas on the roof, which cause the snow on the exterior of the roof to melt. The melting snow moves down the roof slope until it reaches the cold overhang, where it refreezes. The process continues, causing ice to build up along the eaves and form a dam. Eventually, this dam forces the water to back up under the shingles and sometimes into the ceiling or wall inside the home. 

What Do Ice Dams Cause?

Ice dams can cause expensive damage or even a roof collapse. This phenomenon may cause structural framing members to decay, metal fasteners to corrode, and mold to form in the attic and the wall surfaces. 

Typical homeowner insurance policies do not pay for ice dam removal. Interior or exterior damage, however, caused by an ice dam on the roof is typically covered under a “special perils” homeowners form.

Tips to Prevent Ice Dams

• The services of a professional should be employed to remove heavy snow from your roof. This eliminates one of the ingredients necessary for the formation of an ice dam. Professionals are also able to address emergency situations in which water is flowing into the house structure. This is accomplished by making channels through the ice dam to allow the water behind the dam to drain off your roof. However, the channel becomes ineffective within days and is only a temporary solution to ice dam damage.
• Your ceiling/roof insulation should be increased to reduce heat loss by conduction. Some state codes require an R-value of 38 above the ceiling for new homes. In narrow spaces, insulation products with high R-value (6–7) per inch are recommended. It is imperative that the ceiling be made airtight to prevent warm air within your home from flowing into the attic space.
• Verify that there are sufficient soffit and gable end vents in your attic. These help to quickly vent any of the warm air that does get into the attic out into the atmosphere.

Be prepared this winter! If you have questions regarding what is covered on your homeowners policy, contact your local IMT Agent!

When traveling with children, doing so safely will require a car seat. Selecting a safe and functional car seat for newborns, toddlers, and children is incredibly important for a child’s safety. Not to mention, it’s the law! Parents know that a standard seat belt is not suitable for an infant or toddler. As they grow, how they sit in your car will change. Read on for additional information to help you add safety to your travel plans.

Types of Car Seats

There are different types of car seats, with corresponding guidelines for each. Each state may have specific guidelines, so it is recommended you reach out to your local law enforcement or pediatrician for details. 

Rear-Facing Car Seat

The best seat for your young child (birth to year 3) to use. It has a harness and, in a crash, cradles and moves with your child to reduce the stress to the child’s fragile neck and spinal cord. There are three types of the rear-facing car seat: an infant car seat (rear-facing only), a convertible seat, and an all-in-one seat. 

Forward-Facing Car Seat

Intended for an older (year 1 to year 7) child, this seat has a harness and tether that limits your child’s forward movement during a crash. There are three types of the forward-facing car seat: a convertible seat, a combination seat, and an all-in-one seat.

Booster Seat

Older kids (year 4 to year 12) depending on their size may need to be lifted so the seat belt fits properly over the stronger parts of your child’s body. There are four types of booster seats: booster seat with high back, backless booster seat, combination seat, and an all-in-one seat. 

Relying only on the vehicle’s seat belt means the fit should lie across the upper thighs and be snug across the shoulder and chest to restrain your child safely in a crash. It should not rest on the stomach area or across the neck or face. 

Winter Coats in Car Seats

Bundling up for cold weather helps children brave the elements, but a bulky coat can decrease effectiveness of a car seat. Follow these tips to keep kids warm and safe when traveling this winter. 

Puffy Coat Check

Generally, winter coats should not be worn underneath a car seat harness because that can leave the harness too loose to be effective in a crash. How do you know if the coat is too big? There are two simple steps to follow: 

1. Put the coat on your child, sit him or her in the car seat and fasten the harness. Tighten the harness until you can no longer pinch any of the webbing with your thumb and forefinger.
2. Without loosening the harness at all, unhook it and remove your child from the car seat. Take the coat off, put your child back in the car seat, and buckle the harness straps, which should be adjusted just as they were when the child was wearing the coat. If you can pinch the webbing between your thumb and forefinger now, then the coat is too bulky to be worn under the harness.

Bundle Up Without the Bulk

If you find that the coat can't be safely worn under the harness, some tips to keep kids warm in another way: 

• For young children, use aftermarket covers (essentially fitted blankets) designed to give additional warmth that are approved by the car-seat manufacturer for your specific car seat. Such covers have been tested with the seat and won't compromise your child's safety.
• For a bigger child, after securing him or her in the car seat, turn the coat around and put it on backward (with arms through the armholes), so the back of the coat serves as a blanket resting on top of the harness.

One of the most common problems with a child car seat is that the harness is left too loose, and wearing a big winter coat can be just one of the causes. It's important that the harness is tight enough so that you can't pinch the webbing between your thumb and forefinger. Extra slack in the harness can let the child move to the point where he or she is beyond the protection of the car seat, perhaps even being ejected during a crash.

Those in agriculture know that time means money when it comes to yields, production schedules, and operating costs during the harvest season.  However, time can also ensure a safe harvest. Take extra time to perform a specific task safely and properly — this extra time can determine whether the task is completed at all. While large machinery and equipment is a necessity on farms to gather crops, it can also lead to farm related injuries and death. The reality is that many injuries can be prevented. 

Prevent Injuries By Following Five Simple Rules 

1. Develop a ‘safety first’ attitude. Follow safe work practices all the time and set a good example for others.
2. Be physically and mentally fit before operating farm equipment. Fatigue, stress and worry can distract you from safely and alertly operating machines. In addition, remember to take breaks.
3. Inspect the farm equipment and correct any hazards before operating.
4. Shut down farm machines, turn off the engine, remove key, and wait for all moving parts to stop before dismounting equipment.
5. Keep bystanders and others away from equipment operation area. Be especially careful of small children.

Many individuals, family, and friends will come together this harvest season. Remember to put safety first and put these simple rules into practice. Visit the National Education Center for Agricultural Safety to learn more. 

Delicious deep-fried turkey, historically prevalent in the southern states, is growing in popularity as a way to prepare this poultry for a meal. But the turkey fryer used to create this succulent dish is often unsafe and common cause of home fires. 

Turkey fryers are devices, resembling a large commercial coffee pot, that are not certified by Underwriters Laboratory (UL). Turkeys are placed in the device that is filled with oil heated to 350 degrees Fahrenheit which fries the bird. The big problem, though, is that people often fill the fryers too full of oil and it overflows when the bird is placed inside. This cascading oil hits the heating flames below, causing an instant fire. In addition, the turkey fryers are often quite unstable and easy to tip over. Lastly, many of these fryers lack adequate thermostat controls. Thus, the units have the potential to overheat the oil to the point of combustion. For these reasons, UL does not certify any turkey fryers with its trusted UL mark.

Safety Tips to Use a Turkey Fryer

UL and other safety organizations strongly urge people to discard their existing turkey fryers. But for those people who insist on using their turkey fryers, UL offers the following tips:

• Always use turkey fryers outdoors a safe distance from buildings and any other burnable materials.
• Never use turkey fryers on wooden decks or in garages.
• Make sure the fryers are used on a flat surface to reduce the chance of accidental tipping.
• Never leave the fryer unattended since most units lack proper thermostat controls. If people do not watch the fryer carefully, the oil will continue to heat until it catches fire.
• Never let children or pets near the fryer when in use. Even after use, never allow children or pets close to the turkey fryer. The oil inside the cooking pot can remain dangerously hot for hours after use.
• To avoid oil spillover, do not overfill the fryer. Test it beforehand with water.
• Use well-insulated potholders or oven mitts when touching pot or lid handles. If possible, wear safety goggles to protect eyes from oil splatter.
• Keep an all-purpose fire extinguisher nearby.

In the season of gathering and enjoying meals with loved ones, stay safe and keep your turkey preparation calamity free.  

Freezing rain and fluctuating winter temperatures can leave roadways littered with potholes, causing vehicle damage and costly repairs for motorists! Potholes tend to form when moisture collects in small holes and cracks in the road surface. As temperatures rise and fall, the underground moisture expands and contracts. This results in broken up pavement, which is then continually impacted by the weight of passing cars.

Blown tires, dented rims, damaged wheels, dislodged wheel weights, displaced struts, dislocated shock absorbers and damaged exhaust systems are all costly common automotive issues. Other signs include misaligned steering systems and ruptured ball joints. 

How Can You Protect Your Vehicle From Winter's Potholes?

1. AAA suggests making sure tires have enough tread and are properly inflated. To check the treat depth, insert a quarter into the treat groove with Washington's head down. The tread should cover part of Washington's head! If it doesn't, it's time to start looking for new tires!
2. Keep an eye out for potholes when driving — stay focused on the road ahead and don't get distracted! If you need to swerve to avoid a pothole, make sure to check surrounding traffic to avoid causing a collision or endanger nearby pedestrians or cyclists.
3. If a pothole cannot be avoided, reduce speed and check the rearview mirror before any abrupt breaking. Hitting a pothole at higher speeds increases the likelihood of damage to tires, wheels, and suspension components.
4. A puddle of water can disguise a deep pothole. User care when driving through puddles and treat them as though they may be hiding potholes!
5. Hitting a pothole can knock a vehicle's wheels out of alignment and affect the steering. If a vehicle pulls to the left or right, have the wheel alignment checked by a qualified technician.
6. Any new or unusual noises or vibrations that appear after hitting a pothole should be inspected immediately by a certified technician. A hard pothole impact can dislodge wheel weights, damage a tire or wheel, and bend or even break break suspension components. 

Follow the steps above to help avoid and prevent potholes and keep your vehicle safe this year! 

Midwesterners are no stranger to snow, but when it comes to snow removal there are some safety considerations to keep in mind. The U.S. Consumer Product Safety Commission (CPSC) wants to keep everyone safe when using snow throwers. There are frequent injuries reported when using snow blowers or throwers, including finger amputations. 

Snow Thrower Safety Tips

• If the auger or collector needs to be cleared, stop the engine and use a long stick. Do not use your hands.
• Keep all hands and feet away from moving parts of the snow thrower machine.
• Do not leave the machine running in an enclosed space.
• If it is fuel-powered, add gasoline to the tank outdoors before starting the engine. Never add to a running or hot machine.
• If it is electric-powered, be aware of the electrical cord at all times.

Snow Shovel Safety Tips

• Do not shovel after eating or while smoking.
• Take it slow and stretch out before you begin.
• Shovel only fresh, powdery snow; it's lighter.
• Push the snow as much as possible rather than lifting it.
• When lifting snow, use a small shovel and lift with your legs (not your back.

Cold weather can increase heart rate and blood pressure. It can make blood clot more easily and constrict arteries, which decreases blood supply. This is true even in healthy people. Be careful when working outdoors to clear your property after a snow fall.

Related: Ways to Avoid Frost Bite & Hypothermia

Winter brings snow, freezing rain, and sleet. Being prepared for winter weather could save you time, money, and unneeded injury. When conditions deteriorate, are you considering your safety during all day on the job site or even regular transitions from point A to point B?

Having the right pair of ice cleats greatly increases your odds of staying upright. Most ice cleats work to some degree, but there can be big differences in how well and reliably they work. More than one type of ice cleat may be needed for different situations or job functions. When trying to find the right ice cleat, it’s far more effective to start by focusing on your job tasks rather than the differences between various ice cleats.

Selecting Your Type of Ice Cleat 

According to the Winterwalking.com website, there are three common categories of ice cleats. 

Working Traction

The most aggressive ice cleats for all-day use on ice and snow. These are good for employees who have the most exposure to icy and snowy conditions. They are built for aggressive traction and durability.

Transitional Traction

These do not need to be taken off indoors. These are designed for people who frequently transition from outdoor to indoor settings or drive vehicles.

Walking Traction

Ideal for employees who are asked to walk outside on ice and snow but do not spend their entire day working outside. They are lightweight and easy to put on and take off.

Related: Ways to Avoid Frost Bite & Hypothermia

The IMT Loss Control Department has a variety of safety resources available on a wide range of topics (including winter safety) to help reduce both exposure and injuries. Please contact your IMT agent if you think you think could benefit from a visit with our loss control professionals.

The holiday season can include shopping for gifts. From special deals and online sales, purchasing gifts for others (or yourself) can make the season bright. Unfortunately, the holiday season is also a heightened opportunity for thieves. Below are some tips to help you shop and travel smartly this holiday season.

Keep Packages Safe in Your Vehicle

Especially on big shopping days, unlocked cars are an easy target. And while loading up on gifts can be a sign of shopping progress, if they are easily seen once in the car this can make for an enticing target. Keep any purchased items out of clear view.

Plan for Package Deliveries

Stealing delivered packages is not uncommon during the holidays. Packages left outside might also make thieves believe you’re out of town. Consider when and where you are having items shipped to you, and consider using a work address instead of your home.

Shop Smart When Online

Fake and unscrupulous internet retailers exist. Be suspicious of unbelievably low prices compared to other vendors. If you stick with stores you know, you may avoid sending your credit card to a thief. Make sure that your computer security software installs updates regularly. And make sure your operating system is also up to date.

Travel Carefully

Leaving home for a holiday trip? Don’t post this information publicly—be aware of your social media privacy settings. Keep track of your wallet, purse, phone, and valuable jewelry. Make sure when packing that anything with a high monetary value or that would be difficult to replace does not go in checked luggage. If in a hotel, use a safe or safe deposit box for jewelry or high value items. 

The holidays can be filled with celebrations and joy if precautions are taken. One can never be too aware, too prepared, or too careful.

Home-based businesses are becoming increasingly common, especially with increased access to technology. Running business out of your home can be convenient and full of opportunity. But did you know it also changes the loss exposures and characteristics of your residence?   

Current Homeowners Policy Coverage

Common and typical homeowners policies cover losses to the property caused by perils such as fire, wind, lightning, and theft. And the liability portion will pay if someone is hurt on your premises. Talk to your IMT Agent if you have any questions about what is included in your homeowners policy. 

Related: Explore Personal Insurance with IMT

Additional Endorsements Needed for Your Home Business 

If you run a home business, any loss associated with that business may not be included in your homeowners policy. What if you had a small fire that damaged your home business office and computer and resulted in some lost income? Once your insurance company sends an adjuster and he or she discovers the business, your claim could be denied.

It is strongly recommended to purchase a home-based business endorsement to your homeowners policy or a businessowners policy (BOP). This additional policy will support your business-specific loss, even loss of income, to be covered.

And do not forget about liability. If you have business visitors in your home and they get hurt, the standard homeowners policy may not cover those injuries. Again, you need to purchase the correct endorsement to the homeowners policy or a separate BOP. Also, any professional liability coverage will not be covered under either of these approaches. A separate professional liability policy will need to be arranged for this loss exposure.

Different insurance companies have different criteria for excluding businesses from their policies. And they offer an assortment of coverages for this exposure. Specific coverage available under one insurance company may not be available with another.

The key thing to remember is this: if you are running a business out of your home, inquire about available coverage options to properly protect your business and your assets.

Talk to your local IMT Agent today regarding your home business!

When weather is cold, spending prolonged time in these conditions could put you at risk for frost bite or even hypothermia. From outdoor sports to working outside, being aware of weather conditions will help you plan ahead.  

Frost bite is the most common injury resulting from exposure to severe cold, and it usually occurs on fingers, toes, nose, ears, cheeks and chin. Deep frost bite is most serious and can result in amputation. Hypothermia occurs when the body's temperature drops below 95 degrees and can result in death.

Before venturing outside for work or play, be sure to: 

• Check the temperature and limit your time outdoors if it's very cold, wet or windy
• Bundle up in several layers of loose clothing
• Wear mittens rather than gloves
• Cover your ears with a warm hat
• Wear socks that will keep your feet warm and dry

Take precautions and stay warm this winter!

Whether it’s holiday gatherings, graduation open houses, or wedding celebrations, if you are considering hosting a party on your property there are some important insurance-related things to know. 

Special Event Coverage

If you are hosting an event at your home, it is good to check premises and personal liability coverage. For IMT policyholders, Wadena Homeowners policies typically include this coverage subject to stated exclusions. Our Wadena Homeowners policy would automatically extend liability to the reception venue for the day of the event. Many event venues’ contracts require an insured to provide proof of liability insurance to host an event with them. Work with your agent to obtain a Certificate of Liability highlighting your policy limits. Should the venue require a liability limit greater than what the policy carries, Wadena Homeowners also offers Scheduled Event Coverage. With this form and additional premium, you can have a higher limit for an event.

Protecting Your Property

With the addition of guests, there is an increased risk of theft. Ensure that high-end art, jewelry, heirlooms or any collections are properly insured for theft and accidents. Lock away personal valuables when traffic is higher in and out of the home. For example, before and after a party, they may have caterers and other vendors in their home setting up or cleaning. All valuables should be kept out of sight.

Protect yourself digitally, too. If you are going to offer guests the option to connect to WiFi, make sure this is a different network than what you use personally. Consider changing the password to connect following your event to also minimize risk.

Ensure Post-Event Safety

If the party includes alcohol, make sure there’s proper insurance coverage to reduce liquor liability. According to the Insurance Information Institute, homeowners can be held legally responsible for guests’ actions after they leave the party. Consider hiring a bartender who is trained to identify intoxicated guests. Arrange for cabs or an Uber for guests who should not be driving.

Talk to your local IMT Agent about your policy and coverage options today!

Identity thieves and cyber criminals focus their efforts wherever the opportunities are, and there are plenty of opportunities across all ages and businesses. As new technology releases and cloud-based services continue to grow, hackers have more doors to open to access data. So if you have experienced identity theft or been exposed to a hacking attack, we share a few next steps to take.

Take Immediate Action

Call Your Financial Institutions

If you suspect your data is compromised or notice suspicious activity, do not wait. Using the customer service contact information found on your cards, call your bank and/or credit card company to make sure your account information is protected. They can help you with the appropriate next steps to make sure your financial information is secure. Ask your bank about how to regularly check your credit report (or how to put a freeze on your credit) to watch for future activity that could negatively impact you. 

Change Your Passwords

A hacker could be gathering data, including your passwords, which can be sold or shared elsewhere. Change your passwords to make this information defunct should it fall into the hands of someone trying to login under your profile. This is why it is important to use different passwords on different websites, so your risk spread isn’t so large. 

Related: Top 5 Safety Basics to Know When Using the Internet

Reach Out for Help

Depending on the nature of the incident, you may need to get law enforcement or other legal professionals involved. Contact your local IMT Agent to find out how to can work with a fraud specialist. 

Build Your Protection for the Future

The average enterprise cyber claim costs well over a half-million dollars. Additional insurance policies to protect individuals from the fallout of a cyber incident are growing in popularity, especially for higher net-work individuals. For businesses, the coverage in a commercial general liability policy might not extend to what you need. Standalone cyber policies could be a smart enhancement. IMT Insurance offers Cyber Suite, additional business insurance coverage to help protect digital risks. Learn more and talk to your IMT Agent to see if this is right for you. 

It is estimated that organizations lose five percent of revenue to fraud each year, according to the 2022 Association of Certified Fraud Examiners Report to the Nations study. With billions of dollars lost each year, employee fraud is costly. Below are common types of employee fraud and ways to prevent them.

Data or Intellectual Property Theft 

Stealing information on customer accounts, for personal use or to pass to a competitor, falls under this category. Restricting access to information of this type in a way that creates a traceable trail can help keep less-than-honest employees on the straight and narrow. 

Asset Misappropriation 

Using the company credit card for personal purchase, padding an expense account, or using a company vehicle for personal errands all fall under this category. Careful and regular auditing of the company accounts, as well as paying attention to employees who aren't where they're expected to be, can catch such schemes before they go far. 

Health Insurance Fraud 

Not just submitting claims for medical treatment or health services that the employee didn't receive, but also conspiring with a health care provider to submit phony or inflated receipts can be the hallmarks of this type of fraud. Having a relationship with employees can be key to uncovering such tactics, particularly if an employee is active in a way that doesn’t mesh with medical claims that have been submitted for payment.

Workers Compensation Fraud 

An employee faking or exaggerating an injury or disability can cost a company a sizable amount of cash, as can one who claims an injury happened at work when it took place elsewhere. Any of these can put the company on the hook for a large amount.

Procurement Fraud 

Employees might be ordering goods or supplies ostensibly for the company but taking them home or returning part of an order for a refund. They could also engage in purchase order fraud by setting up a phony vendor account in which fraudulent invoices are paid. Audits on both receipts of goods and payments can help uncover such strategies.

Theft of Cash 

Depending on the type of business, this could be easy, with cash sales simply not recorded or phony refunds recorded as issued to a customer. Having specific procedures in place for the handling of cash, as well as being alert to any unexplained differences in money coming in or goods going out, can deter at least some cash theft plots.

Payroll Fraud 

Claiming overtime hours that were never worked or falsifying time sheets for regular hours are all forms of payroll fraud. Separating payroll duties so that a single employee isn’t in charge of the whole process, and verifying hours with employees themselves, can put an end to this.

The problem presented by employee fraud is very real — and costly! Small businesses are particularly vulnerable as they lost almost twice as much to fraud per scheme as larger businesses. As shared in the study, the most common way employee frauds are discovered is via tips or a hotline. Consider incorporating a way to allow for reporting if you don’t have something set up already to protect your small business. 

We live in an online world, which includes more unanticipated risks that comes with being connected. Cyber risks like ransomware and email “phishing” are just a click away, and they’re not going away anytime soon. Small and medium-sized businesses are not immune to cyberattacks. In fact, this attitude is what makes small- and mid-size businesses prime targets for hackers: a lack of concern means business owners are less likely to implement necessary safeguards, which makes them easier targets.

The Chubb Cyber Index shows that 76% of all cyber incidents at small- and mid-sized businesses over the last three years were due to external factors, versus 61% for companies larger than $500 million in revenue. In fact, these smaller businesses are ideal targets for cybercriminals because of outdated or under prioritized security measures. Hackers and data thieves can deploy attacks quickly, cheaply and anonymously — increasing the likelihood of successful attacks against smaller businesses.

Chubb encourages small business owners to ask for help — especially when educating their employees, as it is among one of the most important elements to protect businesses from experiencing and bearing the financial weight of a cyber incident. 

Employee Training & Basic Technology Protections

In addition to employee training, small- and mid-size businesses should employ the following to protect against cyberattacks: 

• Adequate antivirus software
• Multi-factor authentication
• Password security and hygiene
• Monitoring of all network activity
• Updated operating systems

Related: What to Do After You've Been Hacked 

Back Up Your Data on Regular Basis

In addition to restoring against a cyber-attack, data loss could be caused by hardware failure or a natural disaster. Backup copies of your data are a form of insurance against devastating data loss. Many families, home-based businesses and small businesses do not adequately backup information. 

Businesses should back up operational, financial and customer information, including:

• Accounting databases, including AR and AP records
• Financial management reports
• Payroll records and employee files
• Point-of-sale and transaction history
• Customer records and CRM database
• Fixed asset inventory, photos, and preventative maintenance logs
• R&D, blueprints, and proprietary information

Determining Your Backup Schedule

To determine backup frequency, think about how much data you create on a daily, weekly and monthly basis. Then decide how much you could afford to lose should disaster strike when you are between scheduled backups. Restored data is only as good as your most recent backup.

If you take a lot of photos or work from home as a contractor or creative professional, consider backing up more frequently. Most businesses would benefit from an automated system for daily or weekly backups.

Backup Storage: 3-2-1 Rule

Once you have decided on a regular backup schedule, follow the 3-2-1 rule for backing up.

• Make at least three copies of your files and information.
• Create those backups on two different types of storage media—including USB drives, external hard drives, tape backups, or cloud storage.
• Keep at least one copy of your backup offsite, either in the cloud or safely in another building, a safe deposit box, or at another business location.

As cyber threats continually evolve, cyber insurance — in connection with these other preventative measures — can play a key role in the awareness, preparedness, and resiliency of small- and mid-size businesses. IMT Insurance offers a comprehensive cyber insurance solution to provide protection to businesses. 

For more information on how to protect your business against Cyber Attacks, talk to your local IMT Agent today! 

When severe weather strikes, the extraordinary powers of destruction leave survivors struggling to return to normal. And for some, the idea of normal will never be the same. Following a natural disaster, there is tremendous stress and areas of vulnerability. It can be overwhelming to know where to begin. As you consider your plan to rebuild, we have some considerations to help: 

Contact Your Insurance Agent

Your Insurance agent can help guide you and advise you to submit a claim with your insurance provider. Your agent can also help you get connected quickly to an adjuster, who may be able to advance a certain amount of money to help you get back on your feet and purchase things like clothing and toiletries. This advance amount will count as part of your total personal property settlement and is not part of additional living expenses coverage, which pays for temporary housing, food and additional travel you incur as a result of not living in your residence.

Protect Your Sensitive Data

Ask the U.S. Postal Service to hold mail until you’re settled. Consider getting a post office box to keep thieves away from sensitive materials left in your mailbox. Protect important information and documents. Whether you’re in a shelter, staying with friends, or crashing on your family’s couch, never let these items leave your sight. They are the key to your identity—and you will need this information to prove who you are. If you discover that you are missing any identification, financial instruments, or any item that can be used to commit fraud or harm your identity do not hesitate to report it. The longer you wait, the more damage that can be done by criminals and identity thieves.

Beware of Contractor Fraud

If you’ve experienced damage to any of your personal property, call your insurance company first. Don’t fall for fly-by-night “professionals” who make false guarantees about a claims check, damage appraisal, inspection or water quality testing.

Double Check Sources

Watch out for fake charitable organizations that have names similar to reputable institutions. These sites often end in .com (instead of the typical .org for nonprofits). They’re designed to fool you into thinking you’re donating to a good cause when, in reality, you’re donating your money and personal and financial information to thieves. Double check the legitimacy of the site you’re clicking to from your email, Facebook or elsewhere. When in doubt, check your local American Red Cross or the National FEMA site to find local help.

A tornado is a rotating, funnel-shaped cloud with whirling winds that can be up to 300 miles per hour. Tornadoes, which spin off from powerful thunderstorms, can devastate property and neighborhoods in seconds. They can cause injury and, in some cases, be fatal for people who are caught in them. Damage paths can be one mile wide and 50 miles long.

What to Do Before a Storm

Prior to any tornado conditions occur, it is important to identify trusted sources to provide local forecast and weather alerts. A “watch” is when conditions are favorable for a tornado to form, and a “warning” is when a tornado has been spotted in your area and you should take shelter immediately. 

Know the Warning Signs

If local authorities issue a tornado watch, remain alert for approaching storms, watch the sky, and stay tuned to the radio or television. Some danger signs include:

• Dark, often greenish sky
• Large hail
• A large, dark, low-lying cloud that may be rotating
• A loud roar like a freight train

Have a Plan to Seek Shelter 

If local authorities issue a tornado warning, take shelter immediately. Basements and storm cellars are the best choices. If no underground shelter is available, choose an interior room or hallway on the lowest floor possible. Stay away from corners, windows, doors, and outside walls. Put as many walls as possible between you and the outside. Get under a sturdy table and use your arms to protect your head and neck. Layers of clothes, bike helmets, even a mattress, can be pulled over your head to protect you from flying debris. 

Related: Prepare Commercial Properties for Tornadoes & Severe Weather

What to Do During a Tornado

If there is a tornado in your vicinity, ensuring your personal safety (and those you care for) is most important. Should you find yourself away from home and unable to put your prior shelter plan in place, here are additional tips:

• If you are in a public building, look for the safe shelter signage for predesignated areas.
• If you are in a vehicle, trailer, or mobile home, get out immediately and go to the lowest floor of a nearby, sturdy building or storm shelter.
• If you are outside with no shelter, lie flat in a nearby ditch or depression and cover your head with your hands. Do not get under an overpass or bridge — you are safer in a low, flat location.

Watch out for falling poles, overhead lines, and flying debris. Most injuries and fatalities during tornadoes are caused by flying debris. Additionally, be aware of the flooding potential and other issues. Stay safe during tornado season. 

Many employers provide employees company cars. It is either told or assumed by the employee that insurance issues are covered by the employer. But commercial auto insurance policies are different than personal auto insurance policies. How can you ensure there’s no coverage gaps and appropriate coverage is in place?

If you provide a company car or if you are driving one, verify that corporate insurance is in place and that it provides primary coverage. Also, check the liability limits to confirm that they are adequate. Carefully adhere to any restrictions on personal use, including possible prohibitions of other drivers like family members or other employees.

There could be an assumption of personal auto policy to provide excess liability coverage. It is important to know who is driving company cars. If the driver does not own an auto but does have personal auto exposure (e.g., company car, borrowing friends' cars, etc.), there should be a personal auto policy purchased with a named non-owner coverage or related endorsement. Note that this endorsement could also be necessary if you need to purchase a personal umbrella policy.

Learn more about IMT Insurance Commercial Auto products or contact your local IMT Agent to discuss your coverage needs. 

Some businesses and individuals have a higher loss exposure to lawsuits. This tendency is often referred to as a suability factor. How suable you are can be determined by examining the following:

• Growth of business size
• Wealth indicators including real estate holdings or stock portfolio
• Family income
• Profile in the community and media
• Leadership activities on boards or associations
• Future income

Businesses or individuals with a high suability factor nearly always need an umbrella policy. By creating a single policy to increase the limits, you get the most coverage for your money by spreading the risk.

It is good to consider how much you have to lose should litigation lead to a court case where you’re found liable for damages. With the rising cost of medical and auto repair expenses, a major accident can often exhaust the policy limits on a typical policy if there are serious injuries involved. In this case, an umbrella policy would kick in and provide additional coverage. And in some cases, it provides broader liability coverage than that found in the underlying policies.

Learn more about Commercial Umbrella offerings from IMT Insurance. 

Experts say you may have as little as two minutes (or even less) to safely escape a typical home fire from the time the smoke alarm sounds. Does your family have a home fire escape plan? 

According to the NFPA, less than half of Americans (48%) know that the correct components of a home fire escape plan include working smoke alarms, two ways out of each room and an outside meeting place. Nearly one quarter of Americans (23%) do not know that each room in the home should have at least two exits. Close to three in five Americans (57%) think that in a typical single-family home fire situation, once the smoke alarm sounds, the average person would have more than two minutes to escape safely.

When creating your Home Fire Escape plan, keep the following things in mind:

1. Map your home and exits to plan out all possible routes.

2. Hold fire drills in your home for your family.

3. Teach children how to escape on their own, in case you can't help them.

4. Help the fire department find you. Make sure the number of your home is clearly marked and easy for the fire department to find.

5. Close doors behind you as you leave — this may slow the spread of smoke, heat, and fire. 

6. Once you get outside, stay outside. Never go back inside a burning building. 

In the event of an emergency, discuss and practice your Home Fire Escape Plan at least twice a year! 

Severe weather and natural disasters can be devastating. During the spring and fall seasons, there typically is a trifecta of catastrophe risks: flood, tornadoes and hurricanes. While tornadoes can strike anytime, they are most common from March to June. Similarly, floods frequently occur around this time of year. In the United States, the East Coast bears the most hurricane exposure while the Midwest and South sees the most tornadoes. Consider Tornado Alley, which includes Texas, Louisiana, Oklahoma, Kansas, South Dakota, Iowa and Nebraska. 

Commercial property owners and facility managers must be always prepared for weather events to minimize damage and to prioritize safety. A “last-minute” flood and windstorm checklist was created by FM Global to help mitigate damage.

Bad Weather Coming? Steps to Protect Your Commercial Property

• Test emergency generators and make sure enough fuel is on hand
• Place items such as sandbags or other temporary barriers at entrances to prevent water from entering the premises
• Keep tarps and plastic sheets available in case of roof damage
• Have your contractors’ contact information handy in case they are needed
• Check around the facility grounds for items that can become windblown debris (trashcans, flower pots, etc.,) and move them indoors or secure them before a storm
• Remove equipment and materials from the roof that can become windblown debris and secure any remaining items on the roof
• To allow water flow and prevent backup, check roof drains to ensure they are clear of debris

Storms and natural disasters happen, so be prepared and have a plan in place. This includes confirming your commercial insurance coverage meets your needs. If you have questions about coverage, talk to your local IMT Agent today!

Weather shifts and changing seasons introduces new factors for drivers to consider. Earlier sunsets mean less visible roads and, depending on where you live, a change in weather could result in more rain or snow.  Fall also signifies the seasonal migration of animals, particularly deer, throughout large parts of the country.

Many roads have signs indicating that deer crossings can be expected. But what should you do when a deer collision happens while driving? 

Because deer collisions are estimated to cause more than $1.1 billion in vehicle damages annually, drivers should prepare. While our inclination might be to stop short or swerve should there be a deer on the road, this is more likely to cause bad outcomes. You could lose control of the car, hit barriers, run into other cars or cause rollovers. Experts instead say to hit the deer directly to minimize potential damage to you and your vehicle. 

If you do hit a deer or other animal while driving, pull over to the side of the road when it is safe to do so. If needed, call for emergency assistance. Take photos (and videos if possible) of the collision site and any vehicle damage so you have record. Taking notes of what happened as soon as possible will also be helpful. 

Contact your local IMT Insurance Agent. Drive safe and keep an eye out for deer!

Thunder and lightning storms happen all the time. If you hear thunder, that means you are within striking distance of lightning. Lightning strikes and lightening fires can be destructive. If a person is struck by lightning, call 9-1-1 and get medical care immediately. Lightning strike victims carry no electrical charge — attend to them immediately. Check their breathing, heartbeat, and pulse. CPR may be needed.

Lightning Storm Safety Tips

• Take shelter inside a home, large building, or a hard-topped vehicle right away. Stay away from windows and doors; wait at least 30 minutes after the last thunder before leaving your shelter.
• Unplug appliances and other electrical items, like computers, and turn off air conditioners. If you are unable to unplug them, turn them off.
• Stay off corded phones, computers, and other electronic equipment that put you in direct contact with electricity or plumbing.
• If you are in or on open water, go to land and seek shelter immediately.

Common Myths About Lightning

1. Lightning always strikes the tallest object. While tall, pointy objects are more prone to strikes, lightning can strike any object, regardless of size or height.
2. Cars are safe because of rubber tires. Most vehicles are safe because the metal roof and sides divert lightning around you, not because of the tires. It's important to note that vehicles like convertibles and motorcycles offer no protection!
3. If you can't get inside, go under a tree. Heading under a tree is more dangerous and you should avoid it. If lightning does hit the tree, there's a chance a ground charge will spread from the tree in all directions.   
4. If you're caught in a storm, lie flat on the ground to be safe. If you feel your hair stand on end, that means lightning is about to strike. Squat low to the ground on the balls of your feet. Place your hands over your ears and your head between your knees. Make yourself the smallest target possible and minimize your contact with the ground. 

Much of business done today is online – with the internet providing convenience for services including banking, shopping, and socializing. Protecting your identity and digital activity is more important than ever. We share some basic changes to make right now to improve your safety online. 

5 Online Safety Steps to Take Now

1. Make Your Passwords Stronger 

A strong password is the first step to staying safe online. Are you using the same password for everything? STOP NOW. Don’t use the same password or an easy to guess one like “123456” or “password” or “qwerty” passcode. If you have trouble keeping track of your passwords, consider using a safe, credible password keeper.

Pointers to Create a Strong Password

• Make sure your password is at least 10 characters long.
• Use a mix of upper- and lower-case letters.
• Use numbers and symbols.
• Be creative. Smash words together or substitute numbers for letters, but make sure you can still remember your password.

Stay away from using personal information like your birthday, social security number, middle name, or the names of your kids.

2. Be Smart About Security Questions

 Security questions are often used to verify your identity when you forget a password, or as an extra layer of security. This means the answers to your security questions deserve your attention, just like your password. The trouble with security questions is the nature of what is being asked. It could be that you’ve already advertised your first car or where you went to elementary school on a social media post that is easy to find. Choose secure questions AND answers that are more difficult to guess. Better yet, create a special password to use just for answering security questions. If you have an option to use an alternative identity verification, like two-factor or biometric data, that could be a safer choice.

 3. Make a New Email Addresses

Create separate email addresses for different purposes. The email address you use for banking or finance should be separate from the one connected to your social media account. This helps you keep information organized and prevents problems if one account is hacked.

4. Only Visit Credible Websites

It is very easy for a fake or fraudulent website to be created, so look for clues that a website is a safe place to visit online. The website URL should have “HTTPS” in the address. The “s” is a sign the website is secure. There should be a padlock symbol next to the URL as well. Additional tips include:

• If you need to login to a website, use a two-step verification whenever available.
• Do not download media illegally as these are likely to include viruses.
• If you encounter a website with explicit content or tons of advertisements, they are often not secure and do not click on anything.

5. Use Social Media Carefully 

Social media can be a great way to network and communicate. Using it safely means knowing how to navigate what to share, when, and with whom. When using social media, consider the following pointers: 

• Exclude personal information like your birthday, phone number, and home address.
• Pay attention to privacy settings of each social media platform and stay up to date when they change.
• Don’t overshare vacation plans or check in online every time you leave the house. This makes it easy for burglars to know when your home is unprotected.
• Remember: If you post it online it will be there forever, and your boss or neighbor or grandma can see it.

Potential employers also look at what you post online, and there have been instances of current employees being fired for their online behavior after hours. Be smart about what you put on social networking sites. It is essential to protecting your employment opportunities, your identity, and your personal safety. Identity thieves use information gleaned from social media, but so do regular “old fashioned” burglars.

Use these suggestions to protect your identity online and continue using the internet as the great resource it is.

The autumn season when leaves turn color and start to fall, along with cooling temperature, is a good time to take care of some annual maintenance around your home. By being proactive, you can avoid costly (and in some cases, dangerous) issues when the weather turns even colder. 

Have your furnace or boiler serviced by a licensed contractor to check annually for any repair or concerns. This is a good time to clean or replace the furnace filter on forced hot air systems. If you have a chimney, have it checked and serviced by a licensed contractor as well. Make sure to remove creosote buildup from chimneys that are connected to woodstoves and fireplaces.

Falling leaves and outdoor debris can clog drains and gutters. The fall is a good time to check that these are clean. Clogged gutters can cause a few issues, but the big one for most homeowners is roof leaks. If your gutters can't drain properly, that excess water can soak through shingles, eventually leaking into your home. This can cause mold to grow, along with damage from the water itself. Melting snow can also fill up your gutters, causing similar issues! A good rule of thumb is, clean your gutters twice a year. 

While gutters are being cleaned, take a few minutes to inspect your roof. Look for obvious holes and damaged (or missing) shingles, but also take some time to really comb over the details. Keep an eye out for cracks and general wear and tear! 

If there’s any loose tree limbs around your property, consider trimming or cutting them before they become destructive. Tree limbs that fall on a house or other insured structure on the property would be covered for both the damage inflicted and the cost of removing the tree, generally up to about $500. 

Explore your home and property to remove any trash, old papers and dense clutter in areas like your garage, basement and attic. This can create the perfect fuel for a fire. Household items, like improperly stored batteries and even glassware sitting in a beam of sunlight, can generate enough heat to ignite a fire. Pay close attention to other common, highly flammable items you may keep in a garage or storage shed, including gasoline, chemicals, and gases used for grilling.