Monthly Archive for: ‘November, 2012’

Drink W Keys Spotlight

Holiday Party Liability

Holiday parties can be a great way to reward your employees for a hard year’s work and boost morale for the coming year.

Many employees enjoy these events as a way of getting to know their coworkers in a social environment. However, there are risks to holding these parties. In some states, businesses that provide alcohol to their employees during holiday parties can be liable for the actions of an intoxicated employee. These liquor liability laws once only affected bars and venues that served alcohol, but they are increasingly being applied to “social hosts” If you serve alcohol to an intoxicated person or a minor, you could be held liable.

Before you serve alcohol at a holiday party, be sure to check with your broker at TMIB to see if your current policy will provide protection. A Commercial General Liability (CGL) policy may protect your business from liquor liability claims. However, you might want to consider purchasing Employment Practices Liability Insurance (EPLI) to provide coverage for your business from harassment or discrimination claims if one of your employees harasses a customer or client while intoxicated.

Tegner-Miller Insurance Brokers has compiled the following tips to help you have a safe and enjoyable holiday party.

  • Be sure to advise both employees and managers to drink responsibly.
  • Hold the party offsite, preferably at a location with trained bartenders.
  • If you are holding your party offsite, consider a cash bar. Employees will be less likely to over-consume if they are footing the bill. If you are paying for drinks, consider a voucher system to limit the number of drinks each employee can consume.
  • Always offer food and non-alcoholic beverages. Drinking on an empty stomach can easily lead to intoxication.
  • Never serve alcohol to minors.
  • Provide transportation for your employees who have been drinking.



Black Friday Tips for Safe Shopping

For most of us, Black Friday inconveniences are restricted to bad traffic or long lines at the mall. However, Internet users have more to worry about this Black Friday. Entrepreneurial scammers use this perennial search for the best deals to rip off unsuspecting Internet users. Often, these scammers will post ads on a website advertising an incredible sale, like a “Free iPad!” or “Ford Dealership Fire Sale!” While clicking some of these ads redirects to harmless websites, others can link to surveys designed to steal personal information.

While these types of fake ads are omnipresent on the Internet, the increase in online shopping and the quest for the best deals makes them particularly virulent this time of year. Tegner-Miller Insurance Brokers has compiled a few tips to help make your Black Friday a day full of savings, not scams.

  • The first step is also the easiest and most effective: don’t click on any suspicious links! Like the old adage says, if a deal is too good to be true, it probably is. Be particularly vigilant about:

—  Any ad promising free items. No website will grant a free iphone to the 50,000th visitor, so leave these ads alone.

  • If you do see an ad that interests you and appears legitimate, visit the company’s official website instead of clicking on the ad.
  • If you do click on an ad and are redirected to something other than what was advertised, click out immediately. Do not fill out any surveys or any requests for information.
  • Make sure that your antivirus software is completely up-to-date. Additionally, licensed ad blocking software like Adblock for Google Chrome can reduce the number of malicious ads you are exposed to.

Tegner-Miller wishes you a happy and safe Black Friday!


Happy Thanksgiving from TMIB

Thanksgiving is a day for family, football, and, of course, food. However, according to a recent press release from State Farm, Thanksgiving is the number one day for fire insurance claims across America with California ranking 6th.  According to the U.S. Fire Administration, there are approximately 2,000 Thanksgiving Day fires annually, causing $21 million in property damage. Tegner-Miller Insurance Brokers has compiled a few tips to help keep your Thanksgiving happy and safe:

Deep fried turkey While this is a tasty and fun way to prepare a turkey, it is also the number one cause of Thanksgiving Day fires.   To help prevent frying accidents:

  • Always use your turkey fryer outdoors and away from any flammable objects,
  • Always completely thaw your turkey before frying it. The water in a frozen or partially frozen bird can react violently with the hot oil, causing oil to spill out of the fryer.
  • Make sure that the oil in the pot is at the appropriate level
  • Lower the turkey into the pot slowly to prevent excess spillage.
  • Never let children or pets near the fryer
  • If a fire does occur, never use water to extinguish it. Grease fires should only be put out with an all-purpose fire extinguisher.

Have an all-purpose fire extinguisher in the kitchen

Don’t leave cooking/baking food unattended

Don’t leave dishcloths or other flammables near or on the stove

Never wear long, loose sleeves while cooking

Diamond Ring

Are valuable items covered under my homeowner’s policy?

Probably not to the extent that you think.

Homeowner’s Insurance only covers valuable items up to a finite (and relatively low) amount. If you have valuable items such as jewelry, fine art, golf clubs, rare coins or even a wine collection, you might want to consider Valuable Items insurance to make sure these items are covered.

Call Tegner-Miller Insurance Brokers about purchasing a Valuable Items policy. We will discuss the options available to you, such as “scheduling” the items that you would like to cover. This “schedule” is essentially an inventory of all the valuable items you would like to cover under the policy. It will include a detailed description of the item, as well as an appraised value. The total value of your items will then be used to determine the premium on your policy. While you are compiling your schedule, you might want to consider taking a photo of each of the items you are listing. The photos can help you remember each item in your collection in the event of catastrophic damage or theft.

TMIB New Post-Its

Thanks for the Post-It Notes

Welcome to the new Tegner-Miller Insurance Brokers (TMIB) website and blog

We are excited about our new logo and website.

We hope our redesigned site will allow our current and future customers to easily view the many types of insurance that Tegner-Miller Insurance Brokers is able to assist them with.

Our blog will provide timely information about various insurance coverages that are important to our customers as well as reminders and tips to our customers as they relate to insurance and risk management. One of our top goals is to help our customers prevent a claim from ever happening.  But if one does, make sure our customer is prepared and be there to assist them.

Don’t forget to visit our Fun Stuff page where we will post contests and other fun things!

We have been in Santa Monica for over 110 years helping Southern Californians with their insurance. In these days of call centers and outsourcing, TMIB prides itself on being your neighborhood insurance agent. We even make house calls!