Home Safety Checklist

Children home safety checklistWhether you’re the parent of young children and have diligently baby-proofed your home, a favourite aunt who has the occasional visit from nieces or nephews, a grandparent or even a friend to those with young kids: it’s important to be thorough when making your home safe for children.

Here’s a checklist to help ensure that your children or young visitors are safe in your home.

  • Anchor shelving securely to the wall. Health Canada reports hundreds of incidents each year of furniture falling on children.
  • Keep window blinds and drapery cords out of reach. These cords could be a strangulation hazard.
  • Ensure medications, vitamins and cosmetics are locked away. Be aware of where purses are left in your home, as they may allow easy access to potentially dangerous items to children.
  • Keep lighters and matches in a secure place and out of reach to children. Only use flameless candles around young children.
  • Store cleaners, household chemicals and detergents up high and completely out of sight. Those brightly coloured pods and detergents are an attractive poison risk to children.
  • Learn if your house plants pose a poison danger to children and/or pets.
  • Carefully review your home from the height of children and put away any items that may be a potential choking hazard. Keep electronic cords hidden when not in use.
  • Keep batteries and magnets stored in a safe place. They can not only be a choking hazard but may also cause internal damage if swallowed.
  • Close and latch the dishwasher when not in use. Bright, shiny and sharp utensils may attract and harm children.
  • Test the garage door on a regular basis to ensure that it retracts if an object is in its path.
  • Never leave children of any age unattended in a bathroom, near a pond or swimming pool.
  • Balloons can be serious choking hazards. Properly store and dispose of balloons.
  • Check toys regularly for wear and damage.
  • Remove latches from chests. If a child can open and enter it, they may become trapped.

It’s important to be ever vigilant about the safety of children; whether they live in your home or are just visiting. Be sure to discuss this safety checklist with your family members to ensure everyone is aware of potential dangers and everyone is on board to keep kids safe in your home.

National Insurance Awareness Day

Insurance Awareness Day Gibb InsuranceJune 28th is National Insurance Awareness Day, and although insurance likely isn’t something you think about often; when you need it, it can suddenly become the most important thing in your world.

And while you might not think of insurance every day… we certainly do!

We want to ensure that you are fully aware of what your policies entail as well as the limitations; to help protect you and manage expectations in the event of a claim.

Please take a few minutes to review your policies. Review the amount of your coverage, limitations and take note of your deductible. It’s important to us that you are informed and educated.

If you believe you may qualify for a discount on your premiums, would like a quote from another carrier, or have any questions at all, please gather your insurance documents and give us a call: 519-736-8228

Travelling This Summer? Quick Tips

Summer Travel Tips Insurance Windsor Essex On Taking the time to be prepared for a summer getaway can save you time, money and frustration. If you’re lucky enough to be planning a vacation, here are a few helpful tips for you:

  • Renting a car? Be sure to speak to your insurance professional to determine if you require the extra insurance offered by the rental agency.
  • Don’t post your travel plans or picture updates on social media sites. Wait to post your photos and adventures upon your return.
  • Ask a trusted neighbour or relative to pick up your mail and newspaper, take out and bring in trash and recycle while you’re away. It only takes a few days for a home to appear empty.
  • Hire a lawn service to maintain your yard. Not only will your home look well cared for, you’ll have less yard work to do upon your return.
  • Unplug computers and other devices before leaving in case of electrical surges.
  • Before leaving, the heating cooling experts at Fahrhall recommend setting your home’s thermostat to 76 – 78 degrees to keep humidity in the home low and the home cool enough for house plants.
  • Check that your sump pump is working and the battery backup is charged in event of a power outage.
  • If driving on your vacation getaway, have your car serviced well in advance of your departure date – just in case there is a serious problem, you’ll have time to fix it or make other arrangements.
  • If you’re travelling out of province, even the government of Ontario strongly recommends travel insurance – be sure your travel medical insurance is up to date.

We wish you many memories and safe travels – enjoy!

Preparing Your Business for an Emergency

Preparing a Business for emergency or disasterSmall or independent business owners face so many challenges, and an important consideration is disaster or emergency prevention and planning.

After a major emergency, approximately 85% of all small and medium businesses fail within three years when no preparedness plan is in place.[1]

What constitutes a workplace emergency or disaster?

  • Weather based situations such as heavy snowfall, tornadoes or flooding
  • Environmental occurrences such as fires or earthquakes
  • Technological problems such as data breaches or communication failures
  • Health-based emergencies such as a flu outbreak

All business owners need to have an emergency plan in place to deal with climatic, technology and other threats within and outside the business.

Where to begin?

  • Identify risks and create a basic plan to deal with each situation: Be certain to consider that some key employees may not be able to perform their regular duties.
  • Review expectations and communications plan with staff members: What if your employees are not able to make it into work? What if your business had to close for a few days? What if a major supplier is unavailable? What happens if the phones are down? Establish a plan to deal with all possible scenarios.
  • Encourage personal preparedness: Employees who are personally prepared for disaster will be more likely to function normally in the event of a workplace emergency.
  • Technology considerations: Keep your technology systems secure and up to date. Properly maintain and dispose of sensitive information and perform regular backups.
  • Regularly audit emergency systems: Review power backups, safety equipment, evacuation routes, communication protocols and establish meeting places to best prepare for disaster.

Evaluate and review your business’s emergency preparedness plan with your staff on a consistent schedule to help ensure continuity and business health.

As your business grows and evolves, so may your insurance needs. Having the proper insurance coverage in place will help your business better recover in the event of an emergency. Keep in regular communication with your insurance professional to help ensure continued business health and profitability. If we can help your business, please reach out to us: 519-736-8228

http://assets.ibc.ca/Documents/Brochures/Emergency-Preparedness-for-Your-Business.pdf

Dashcams

Dashcams and insurance questionsDashcams are becoming increasingly popular and more commonly used all types of drivers: from truckers and long-distance commuters to soccer moms.

What is a dashcam?

A dashcam is a video camera which costs $50 – $300. It’s mounted on the interior of a windshield and is hardwired into the car’s battery to turn on when the car is running. Some dashcams have the option of running while the car is off and parked. The dashcam records all travels and the digital files are easily reviewable.

Why do drivers invest in a dash cam?

Some feel an extra sense of security in the situation of an accident or emergency; they’ll have video evidence of what actually occurred, rather than relying on those involved or witnesses.

Other reasons for using a dashcam:

  • Record fraudulent “staged” accidents
  • Parents of young drivers can review driving habits
  • Record accidents or acts of theft or vandalism while parked (when enabled)
  • Document incidences of road rage
  • To have a record of road trips and to catch unexpected footage

While having a dash cam may provide a driver with peace of mind, they do not make you eligible for an insurance discount. Any dashcam footage obtained can be used to help the insurance claim process (ex: determining liability), but the claim still needs to go through the usual channels.

It’s also important to note that if dashcam footage is posted publicly on YouTube or other social media networks, there may be privacy implications.

Dashcams: What would you use it for?

The Importance of an Emergency Fund

Preparing for a financial emergencyWe believe the more you’re prepared for an emergency, the less likely it will happen and even in an emergency situation, you’ll be better equipped to manage it because of your preparation.

Why create an emergency fund? Unexpected expenses are a part of life and relying on credit cards to help you manage unanticipated costs can accumulate significant interest charges. Tapping into your retirement fund can have expensive tax consequences and relying on friends or family can cause personal stress.

How much do you need to save? Experts recommend stashing away 6 months of living expenses in your emergency fund.

There are many situations when you may be required to access these available funds:

  • Job loss or layoff
  • Out-of-pocket medical expenses
  • Unexpected pet care costs
  • Exterior home maintenance repairs
  • Appliance repair or replacement
  • Car repair
  • Unexpected travel expenses
  • Paying for a loved one’s funeral

Finally, we’d like to leave you with a few other considerations when preparing for a financial emergency.

Be sure you’re aware of your insurance policies coverage and limitations.

Learn when it’s right for you to make an insurance claim; home or auto.

If you find it difficult to save money, here are some great tips.

We wish you all the best. If we can help you, please reach out to us: 519-736-8228

Welcome to the Unofficial Start of Summer

Finally! The weekend we’ve been looking forward to for months… Victoria Day weekend, the unofficial start of summer!

Whatever your plans involve, we hope it’s safe and enjoyable. Here are three important reminders:

  • Bringing out summer toys, such as your camper, boat, RV, jet skis or ATVs? Be sure your insurance is up to date and that you’re fully covered.
  • Travelling out of province this weekend or at any time? Yes! Even the Government of Ontario states you need travel medical insurance. 
  • Remember to be a patient and courteous driver, and always have a plan for a safe way home. Please don’t drink and drive.

Victoria Day Gibb Insurance

From our families to yours, we wish you a safe and enjoyable Victoria Day weekend.

Emergency Preparedness Week

Emergency preparedness weekThis week is Emergency Preparedness Week in Canada. The government is asking that everyone is prepared in case of emergency. From floods, floods, power outages, severe weather to even a nuclear emergency; the government wants you prepared.

What you can do:

  • Plan – Develop an emergency plan for your family.
  • Prepare – Create an emergency kit so your family can be self-sufficient for 72 hours.
  • Be Aware – Know what the risks are to your community.

It’s important that your family know what to do before, during and after a crisis situation.

While governments at all levels are working hard to keep Canada safe, everyone has a role to play in being prepared for an emergency.