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4 Steps to Protect Backseat Passengers

Studies show that the safest place for your child to ride in the car is the backseat. However, simply riding in the backseat isn’t enough to ensure your passengers’ safety. Certain precautions should still be taken for both children and adults riding in the back to reduce their risks of injury or death.

Aim For Buying a Newer Vehicle

When you’re in the market for a vehicle, keep backseat passengers in mind. The average car on the road is 11 years old, but there have been many advancements in car safety just within the last decade. Some particularly old cars aren’t even equipped with headrests, which are key to protecting passengers’ necks from whiplash. However, many newer models come with safety features just for the backseat, like side airbags and inflatable seat belts. Buying used is the budget-friendly way to go, but try to get a car that is at least fewer than 10 years old if you can.

Secure the Kids

Being equipped with the proper restraints is the most important factor in child passenger safety. Determine whether your child needs a car seat, booster seat, or seat belt based on his or her age, weight, and height. Not sure what to trust? Use this handy page from the National Highway Traffic Safety Administration to determine which restraints are best for protecting your child passenger.

Put Them In The Middle

Believe it or not, the middle seat is the safest seat in the entire car. It offers the most distance from impact during a collision, so the middle passenger is more likely to be protected from a crash in any direction. Just make sure the passenger is wearing a 3-point seatbelt. If a lap belt is the only option, they’re better off sitting in a window seat.

No Distracted Driving!

This one seems so obvious, but distracted driving is still the number one cause of car accidents in the U.S. It is always valuable to remember that activities like talking on the phone, texting, reading, grooming, or eating compromise the safety of you and your passengers.

Remember these tips when you’re buying a car, picking out a carseat for a child, or just running an errand with a friend. The backseat is known as the “safe seat,” but there are definitely measures you can take to make it even safer and protect the ones you love. Make sure you’re covered in case of an accident or injury with the right insurance plans! Talk to one of our agents today about your coverage options.

Group Life vs. An Individual Policy: Which One Is Right For You?

Life insurance is one of those things that most people don’t give much thought to until later in life, although we do recommend younger people explore their life insurance options early. Either way, many people are only on the life insurance policy offered by their place of work. Is that a bad thing or a good thing? Well, that depends. Take a look at some pros and cons of both types below.

Group Life Pros & Cons

The base life insurance you receive from your employer is typically 1-3 times the amount of your salary at no cost to you! This is a good cushion for anyone, and a good life insurance plan period if you’re single with no major payments or debts for your beneficiaries to pick up. You also don’t have to go through a medical exam or provide medical records to qualify for coverage on a group life policy, so any preexisting medical conditions won’t count against your premium.

However, if you have dependents, your needs will be drastically different. They may need to live on the money from your policy, or pay off your mortgage or student loans, along with using it to pay for a new health insurance plan if theirs was previously covered by your employer. Suddenly, that 1-3 years salary doesn’t stretch very far. In order to cover your beneficiaries properly with your group plan, you would need to pay an additional premium through payroll deduction.

With group plans, your premiums tend to be higher because no one on the plan is required to undergo a medical exam. The contract also has to be renewed every 5 years, so it is likely that they will be renewed for higher rates. Lastly, if you ever leave your place of employment, you can’t take your life insurance policy with you. This leaves you and your beneficiaries completely unprotected until you find another job.

It is also important to remember that life insurance is a benefit, not a guarantee. If your company needs to make budget cuts, your life insurance policy could be done away with — even if you’ve been paying for additional coverage.

Individual Policy Pros & Cons

An individual policy is just that — it is written for you based on your health and financial goals. Unlike a group policy, you have control over your individual plan and can take it with you wherever you go. You can insure your life for much more than 1-3 times your yearly salary, and know that the monthly premium will be locked in for the duration of the policy so there won’t be any surprise rate increases.

You will need to pass a medical exam to qualify, but whether or not this is a pro or con depends entirely on your health. If you are a healthy individual with no preexisting medical conditions, you can benefit from a lower premium. Even if your end premium is higher than what you would pay for additional coverage through your company, your beneficiaries will be insured for much more money in the event of your passing, and you can rest easy knowing that your policy isn’t going anywhere.

Barring a small percentage of single people with no major payments or debts, the average person will need to pay some kind of premium in order to be properly covered by their life insurance plan. Independent agents understand the ins and outs of these policies and are here to help you determine what works. Contact yours today to get started on a life insurance plan that is right for you.

The Insurance Benefits of Impact Resistant Roofing

Scientific and architectural advancements are making homes safer and more durable than ever. For instance, houses are made with flame retardant materials that lower the chances of the home burning to its foundation. Roofs are no exception to these advancements, and choosing the right roof for your home might actually save you money on your home insurance costs.

Meet the Impact Resistant Roof

Impact resistant roofs (IRR’s) are specially designed and tested to be impact resistant for exposure to hailstones, strong winds, and flying debris. They can be made of asphalt, metal, plastics, rubber, and recycled materials. Impact resistant roofs are rated as class 1, 2, 3, or 4 (1 being the weakest, 4 being the strongest) based on the test results. The cost of impact-resistant roofs varies based on the type you buy.

Why You’ll Want One

Impact-resistant roofs are simply more durable, no matter where your home is located. They are made to resist damages from threats that can shred conventional shingles and tear them away. Homeowners with impact-resistant roofs save money on repairs and insurance claims after big storms come through, not to mention their homes are kept safer. To top it off, most IRR’s come with a 30-50 year limited product warranty. They are more expensive than traditional roofs, but when you weigh the outcome, IRR’s are an investment worth making.

Having an IRR Could Mean Lower Premiums

When your roof is less susceptible to serious damages, your likelihood of filing a claim is smaller. For this reason, several states offer an insurance benefit for opting for an impact resistant roof. This is especially true in states where weather patterns are likely to bring severe hailstorms. Ask your agent if you can save on your homeowner’s insurance premium by upgrading to an impact-resistant roof.

Your roof is one of your home’s most important elements, so you’ll want to check it for missing, curled, or damaged shingles. If you aren’t sure what kind of shape your roof is in, schedule a professional roof inspection. If you know you’re in the market to replace your roof, contact one of our agents today to see how an IRR can help you save on insurance costs!

What to Do After You Have Hit a Deer

Accidents are sudden and very nerve-wracking. Although we try to avoid them as much as possible, they still occur in great volume. On average, there are almost 1.23 million deer-related accidents in the United States every year. This number grows around the later months when mating season is in session. This causes more deer to accumulate in populated areas, making some roads very dangerous for drivers. Hitting them is sometimes unavoidable because they appear in your direct path. While we hope this never happens to you, here are the steps you should take if it does.

Move Over

We understand that during a wreck you are so shocked that your priorities are all over the place. However, you should try to stay calm and pull to the side of the road as soon as possible. You are still at risk for being hit by oncoming traffic even though the wreck has already occurred. If you are able to move your car over, do so. Once you are safe, turn on your hazard lights, check your passengers, and take a deep breath.

Alert Authorities

Don’t wait to give the police a call. Alert them of the situation immediately so they can handle everything. If the wreck is bad enough, they will need to direct oncoming traffic out of the way so you and others are kept safe. If the deer is still at the scene, it could block traffic and needs to be removed. When authorities do arrive, you will probably need to fill out an official report with them. Having the details fresh from the scene will be handy when filling out your insurance claim.

Document the Incident

When the road is safe, it’s time to start documenting. Take pictures of the scene including your surroundings, your car, the road, and any injuries you or your passengers have sustained. This will all be important information for your agent to look over when filing your insurance claim.

Stay Away from the Deer

Although it’s okay to check on the deer, you might want to do this at a safe distance. If the deer survives the collision, it will be rattled up and might pose as a threat if it decides to attack out of fear. Deer are known for having powerful legs and sharp hooves that provide a damaging kick.

Contact Your Agent

Like with the authorities, don’t wait to give your insurance agent a call. The sooner, the better. They can immediately get started on your claim when the situation is fresh on your mind rather than later when you might forget some details.

Examine Your Car

Although you are probably more than prepared to go home, take a moment to examine your car thoroughly. If it has sustained a significant amount of damage, you should not drive home in it. You could put yourself in even more danger if you do. Instead, contact someone you trust that will take you and your passengers home while you have your car towed.

When you are met with a tough situation such as a car accident, the last thing you need is added stress. Having the right agent on your side will give you peace of mind. Let us take care of you today. Give our office a call to see how we can assist you and your family.

Risks of Operating Your Business Without Insurance

As a small business owner, I understand that running a business is already expensive. And one of the last things you want to do is add on expenses for insurance. Many business owners that I have quoted in the past have stated that, prior to being insured with Langlois Insurance Agency, they didn’t have business insurance because they hoped they wouldn’t ever need it. However, there are several reasons why having business insurance is necessary as well as reasons why not having insurance can hurt you. Check out these risks you run below when you try to put off having your business insured.

Breaking Laws

Most of the country has laws stating that businesses must have certain types of insurance or a certain amount of coverage. If you have at least one employee, you must have at least general liability insurance for your business. You may even be required to have additional protection for things such as workers compensation, property insurance if you are located in an area prone to natural disasters, or even coverage against lawsuits. As always, please don’t hesitate to reach out to any of us at Langlois Insurance Agency to inform you on what type of insurance you may need for your business.

Protect Your Employees

You shouldn’t have insurance for your workers just because you are required to. This type of insurance is something all good employers should have because the want to. Workers compensation coverage helps both you and your employees by taking care of them if an accident happens and making sure you are able to afford any medical bills they have from the incident. If you don’t have a workers compensation policy in place, you could be liable for a lawsuit and be out a lot of money. In addition to workers compensation, you will also need unemployment insurance for if your employees are unable to continue work for a while.

Business Interruptions

If anything were to happen to your uninsured business such as a fire or flood, you won’t have any means to recover and you will be left with the financial consequences of repairs and interrupted business operations. So while you won’t be making any profit, you’ll also be losing money if you plan to reopen your business. Insurance can help protect you by covering any losses as well as any lost income during the period that your business will be paused.

Property Loss

Buying property insurance for your business helps you hold onto your most important asset in the event of a disaster: the property you exist on. Without that insurance, you will end up losing possession of your property and be unable to continue operation if anything were to happen to your building.

The risks you take of not having adequate insurance coverage for your business just isn’t worth taking. Please call Langlois Insurance Agency at #815-485-2106 to make sure your business is protected against the unexpected.  We always love hearing from our customers!

Warmest Regards,

Matt Langlois

Understanding, Preventing, and Treating Carbon Monoxide Poisoning

The odorless poison, carbon monoxide, is a preventable but deadly gas that results in more than 400 deaths each year. Although most families are aware of the dangers of carbon monoxide, they may not be aware of what needs to be done to prevent carbon monoxide (CO) from building up in their households. Thankfully, we’ve got you covered with a compiled list of what you need to look out for and avoid so you and your family are not harmed by the deadly gas. That way you are your family can continue making lasting memories in your home.

 

What Is Carbon Monoxide?

CO is a natural gas, but is also produced through many different appliances found in most households. If you or a family member starts to feel flu-like symptoms, it could be CO poisoning. If so, make sure to evacuate the house immediately and alert the authorities of the gas buildup.

 

Where Do CO Buildups Come From?

Various gas appliances like furnaces, fireplaces, oil heaters, and any engine powered by gasoline can cause a buildup of carbon monoxide in your home. This is also true of generators. During power outages or any time a generator is necessary, let it run outside. If being used inside, be sure that it is within 20 feet of a window or door so that the CO can disperse. This is a great rule of thumb when running any sort of equipment that could result in a CO leak. If you suspect you need to, open a window and ventilate your house to allow the CO to circulate.

 

Symptoms of CO Poisoning

With all of this being said, there are symptoms of carbon monoxide poisoning once your CO levels are higher than 10% in the bloodstream. These symptoms, often compared to symptoms of the flu, include headache, dizziness, fatigue, nausea, vomiting, chest pain, and confusion. Because these symptoms are so similar to the flu, be aware of other members of the family having these same symptoms showing up around the same time. Also, take notice of your pets acting strange. Although animals can get sick, animals do not get the human flu, so if you notice your dog is exhibiting flu-like symptoms, these could be due to carbon monoxide poisoning.  By taking notice of these warning signs, it could save the lives of the entire family — pets included! Fortunately, CO poisoning does not become fatal until the CO levels in the blood reach 20%, so there should be noticeable symptoms before that becomes a reality.

 

Action Plan for CO Poisoning

So, what should you do if you think you or a family member is experiencing carbon monoxide poisoning? That answer is pretty simple; leave the house. The first thing you should do if you feel you have symptoms of CO poisoning is alert someone else in the house and evacuate immediately. Although not quite as time sensitive as a house fire (in the sense that you need to make a break for the nearest exit) you should get everyone out of the house immediately. Next, call the police and alert the fire department, as carbon monoxide incidents need to be reported. If anyone feels their symptoms require medical attention, do so immediately. Carbon monoxide results in more than 20,000 emergency room visits, and around 4,000 hospitalizations per year. CO poisoning should be taken seriously, even if there are no visible symptoms, because around 400 deaths occur each year due to it.

 

CO Poisoning in Your Vehicle

Carbon monoxide buildup isn’t limited to just your home either, they can also happen inside your vehicle. As with most other engines, simple maintenance checkups are the best way to prevent CO buildup within your car. Your vehicle’s exhaust system should be checked yearly, as small leaks can result in a buildup of CO. Also, just like with generators or any other gas powered engine, you should never run your vehicle inside a closed garage, whether attached to your house or not. It’s important to keep your garage door open whenever a vehicle is running. It can be tempting to start your car a few minutes early to let the engine warm up. However, the rule still applies in this case, and you should not let the car run inside a closed garage because vehicles create an enormous amount of carbon monoxide.

 

Preventing CO Buildups

Now that you’re aware of what can cause carbon monoxide buildup, and what the symptoms are, how can you prevent it from happening altogether? Be sure to have all of the previously listed appliances serviced by a qualified contractor once a year or so to ensure that there are no malfunctions that could cause a CO buildup. This should be done at the start of the colder months, when you will most likely be using appliances to keep your house warm. Another simple and preventative measure to take when dealing with CO buildup is simply opening a window. Ventilating your house is a surefire way to disperse poisonous carbon monoxide and keep your family safe. Have CO detectors installed near any areas that may be susceptible to carbon monoxide buildup, as well as in common sleeping areas. Detectors are another preventative step to take in avoiding CO poisoning, and are not reliable by themselves. Make sure you’re taking other steps to prevent carbon monoxide leaks as well!

 

What is most important here is making sure you and your family are safe and covered in case of all emergencies. Anytime a loved one requires medical care, it could be costly. Make sure your family has the right coverage in place so that you can focus on what’s important during life events such as this one. Having financial stability during periods of high emotional stress is just another thing you don’t have to worry about.

 

Give our office a call so that we can make sure your family is covered properly. We have plenty of options for all households and would love to show you how we can best protect you. Our agents specialize in risk management, and can help your family find coverage that’s right for you. By taking advantage of this, you can rest easy knowing that we are taking care of everything on our end, so you don’t have to.

Debunking Some of the Most Common Myths About Life Insurance

Most of us don’t like to think about what happens when we die, it’s important to prepare ourselves and our loved ones whether we like it or not. Having life insurance on your side can only help for when the time comes, but there are some myths and fears about the plan that may deter people away from it. To clear up any confusion, we have debunked some of the most common myths about life insurance. The truth might surprise you!

 

Myth 1: It Costs Too Much

It is very understandable that when looking into investing in insurance, you don’t want it to cost you an arm and leg. While the coverage is important to have, you want it to fit comfortably into your budget. One of the main reasons people turn down life insurance is this belief that it’s too expensive, but that is not necessarily the case. According to a study performed by Life Happens, approximately 80% of people misjudge how costly life insurance truly is. In fact, plans such as term life insurance are more affordable than you might think. Plus, you can always change or add coverages to your plan over time. If you’re on a budget, please give anyone at Langlois Insurance Agency a call to see what plan works best for you.

 

Myth 2: It’s Unnecessary If You Are Young and Healthy

There are many factors that go into how much your life insurance will cost, including your age and health. While many think that being young and healthy means you don’t need life insurance, it’s actually not true. Chances are you will need life insurance down the road when you are older and your health has changed. If you wait until then, your life insurance premium will be higher than when you were young and healthy. It’s best to go ahead and purchase life insurance so you don’t have to worry about major expenses later on. Take advantage of this part of your life so if you are not in good condition later, you don’t have to pay for it.

 

Myth 3: It’s Not Available to Those Who Have Health Problems

As stated before, your health does influence the cost of life insurance. While you may be paying more on life insurance for serious health problems, this does not mean it’s not available at all. However, it is true that if you have a terminal illness, some coverages may not be available. In any case, it would be wise to speak with us about your options when your health changes so you receive the best coverage for the right price.

 

Myth 4: It’s Not Available for Older People Either

While it’s true that health typically declines as you get older, this still does not mean life insurance isn’t available for the elderly. In fact, there are important coverages available such as final expense which can help with funeral and burial costs. While we may not like to think about this stage of life, it cannot be ignored. Therefore, the elderly are able to have life insurance available even in their final moments to help after they are gone.

 

Myth 5: Single People Don’t Need It

While it is true that life insurance is beneficial to those who have others depending on them, such as children or their spouse, that doesn’t mean single people don’t need life insurance at all. In the event that you are single and pass away, you can still be left with debt from loans that were previously drawn out. The expenses will be transferred to co-signers or immediate family to take care of which is the last thing that needs to happen after losing a loved one. However with life insurance, you don’t have to worry about anyone taking on your debt after you are gone. Life insurance will also handle any burial and funeral expenses so the family can properly grieve. Also, keep in mind that plans change throughout time. So while you may be single now, that doesn’t mean it is a permanent deal. In the event that you may have children in the future or get married, having life insurance now can benefit you later.

 

Myth 6: All You Need is Your Work’s Life Insurance Plan

While it is great to accept life insurance through your work, keep in mind that it is not transferable when or if you leave for another job. If you have your own life insurance account not through your work, you don’t have to worry about the possibility of not being insured when something changes.

 

If you have any questions about how life insurance works or what plan works best for you, please don’t hesitate to give me a call at #815-485-2106.  I always love to hear from my customers!

Warmest Regards,

Matt Langlois

How to Choose the Insurance Company that is Best for You

Did you know that there are literally hundreds of insurance carriers in the United States? Knowing this, how do you possibly know which insurance carrier is the best fit for you and your insurance needs?

While it’s tempting to make your decision based on price alone, there are other things to consider when deciding on your insurance purchase. This becomes even more important the more specific and unique your needs are, whether it’s for your business or personal insurance. Therefore, I put together five items that I believe you should consider when evaluating an insurance company.

#1: What is the insurance company’s financial strength? Will they be able to pay on your claim?

I recommend using a rating service, such as A.M. Best or Standard and Poor’s to give you an idea of an insurance company’s industry ratings and financial health. I really like A.M. Best since it is simple to use and is free. I often hear people say that they think “bigger is better” in terms of insurance companies. I don’t agree with this — the purpose of using companies like A.M. Best or Standard and Poor’s is to understand an insurance company’s ability to pay on a claim & financial strength, which is usually categorized by size.

#2: Is the insurance company licensed in your state?

If you reside in Illinois, you can check with the Illinois Department of Insurance to check whether or not a company is licensed.

#3: Does the company have major reported complaints in their claims process?

On top of using your state’s insurance department’s website, you can also check complaints and overall satisfaction with the National Association of Insurance Commissioners (NAIC) or JD Power and Associates. These sites will also help you check a company’s claims payment history and other financial information.

Langlois Insurance Agency also uses a great tool, ValChoice, which Forbes Magazine calls “The CarFax of Insurance.” ValChoice’s mission is to give every consumer in America a free analysis of their insurance company. Consumers have the power of big-data analytics available to see the good, bad and ugly of their insurance company. It shows which companies offer the best price, protection (claims payment history) and service.

 

#4: Consider a company’s claims process

This is the biggie. Claims. After all, this is why we all carry insurance — on the unfortunate chance that we have a claim. We want to make certain that the company we have insurance with offers an excellent overall claims process.
On top of checking ValChoice for overall customer satisfaction, don’t hesitate to contact the insurance company directly and ask them how they manage their claims process. Protecting your assets and guarding yourself from liability is a major life purchase to properly protect yourself, your loved ones, and your possessions. This is especially true when you have complex coverage needs.

#5: Take advantage of what an independent insurance agent knows

This is my favorite. Talk to me. Ask me questions. When you talk to a captive agent (an agent who works for only one insurance company), you’ll only get information on one company. Since I offer a wealth of knowledge for many different insurance carriers, I can use my knowledge of many different companies in order to serve your best interests in guiding you through the decision-making process.

I know that it is easy to get caught up on cost and big names. Big insurance brands don’t necessarily mean they are the best for carrying out your claims. The lesson is: do your due diligence and research the reputation of an insurance carrier. And lastly, don’t forget that, as your trusted insurance advisor, I am here to offer you a wealth of advice on different companies.

As always, please don’t hesitate to contact me with any of your insurance questions or needs. The entire team at Langlois Insurance Agency can help guide you through this process. I always love to hear from my customers!

Warmest Regards,
Matt Langlois

How to Save Money on Business Insurance

The last thing you want to focus on when starting or running your business is what could go wrong. While you aren’t necessarily going to face struggles right away, if you aren’t covered with a good insurance policy, you’ll likely experience some issues down the road. Since running a business is risky, you should plan on being prepared to handle anything that comes up with the proper business insurance policy. But how do you avoid spending too much? Here are some tips that could save you some money on your insurance plan.

Know What You Need

Not every business needs the same amount of coverage. It all depends on what your business does and the risks involved. At the minimum, most businesses are required by law to have policies for workers’ compensation, unemployment, and disability insurance. But that’s just the minimum. When looking at how much coverage you need, you can start by looking at general liability insurance which will cover your business for any third-party damages, legal defense costs, and reputation damage from libel, slander, or copyright infringement. In addition, also consider a Business Owner’s Policy (BOP) to cover your business’s property and typically cover more for less money that a general liability policy. Other coverages will depend on the nature of your business, which your insurance agent can discuss with you your options in more detail related to your situation.

Increase Your Deductible

For most insurance policies, not just business insurance, you can lower your premium by increasing your deductible. Paying a higher deductible means less money the insurance company will have to pay after you make a claim on your policy. Because of this, insurance companies are willing to offer coverage at a lower price. Your agent will be able to discuss with you whether or not this would be a favorable decision for your business and the pros and cons of each choice.

Bundle Your Policies

Bundling your policies means that instead of buying separate policies for every type of coverage you need, you can purchase a package that will offer the same coverage for a lower price. Think of it like going to a restaurant. If you order an entree, side, and drink separately, you’ll end up paying a bit more than if you had ordered the combo that includes those items at a lesser cost. Bundled policies are the “restaurant combos” of insurance.

Be Safety-Minded

The higher the risk of injury at your business, the higher your insurance premiums will be.The safer your work environment is, the better deal you’ll get with your insurance. To get a better price, follow all safety recommendations from your insurance company such as enforcing safety precautions to avoid having your premiums raised to cover the extra risk.

Review and Update Your Coverage Every Year

As your business changes, so will your coverage needs, which means you should review your policies each year around the time of renewal to see if there are better options for either coverage or price. Also, by reviewing your policy with your agent, they will be able to make sure you aren’t paying for any policies that you may have needed for the previous year but not the upcoming year.

Consult with Your Independent Agent

Remember when you are reviewing your policies or looking at what kind of coverage to get for your business, consult with your insurance agent to help you shop for the best deals. They know insurance policies inside and out and will be able to guide you through making the best decisions for your business. If you have any questions or think you could be spending less on insurance for your business, give us a call today.

 

 

Ways to Protect Your Business from Burglaries and Break-Ins

Owning and running your own business is an extraordinary achievement. The last thing you want is for that business to undergo any sort of harm, including burglaries. Break-ins can be expensive, stressful, and traumatic. They can even result in some businesses closing due to such high costs on top of the loss of whatever merchandise was stolen. There are various steps your business can take in order to prevent burglaries as best you can. By installing lights outside, keeping your exterior neat, reinforcing doors, installing alarm and video surveillance, and establishing a community watch, you can feel confident that your business is protected as much as possible.

 

Install Adequate Lighting

Adequate and secure lighting will deter many burglars away from your business. To ensure your business has preventative lighting, install lights in areas that are not in plain view. Often enough, this is where burglars will gain access to the inside of the building. Be sure to use durable, well-examined lighting so that your lights are both reliable and will stand the test of time. It’s also best to install these lights inside bulb cages that can prevent them from being easily broken, whether by a burglar or the elements. Finally, be sure you’re maintaining your lights and replacing them when they come out. Installing protective lights won’t do you any good if burnt bulbs aren’t replaced.

 

Exterior Maintenance

On top of ensuring your exterior is well lit, there are other preventative steps to take in order to impede burglars. Although you most likely already do this, shrubbery and trees should stay trimmed and neat — especially those in close proximity to the building — because they can provide excellent cover for someone attempting to break in. Your windows are also an easily accessible entrance into your building. Burglar resistant glaze can be purchased from various security companies. This glaze is built to hold against burglars attempting to break in, and is a wise investment as broken glass can ruin merchandise and is expensive to replace. This brings us to the next point, which is not to place valuable merchandise in your business’s windows. Unfortunately, paying customers are not the only kind of person this will attract, so it’s best to avoid the strategy altogether.

 

Burglar Proofing Your Door

Doors are another important factor in preventing break-ins. Having a sturdy, protective door will prevent many burglars from causing any harm to your business. Generally speaking, solid-core wood or reinforced steel will do the trick. In addition to this, installing deadbolt locks with heavy duty strike plates (the attachment to the door in which the lock itself goes into) will increase the security of any entrances very well. Of course, also be sure that the door hinges are located on the inside of the building so that they cannot be removed from the outside by potential burglars.

 

Purchase an Alarm System

An alarm and video monitoring system is the fail-safe plan to ensure that damage is minimized in the event of a burglary or break-in. With technology becoming more affordable every day, there is no reason why your business shouldn’t be reinforced with both types of security. Alarms are also versatile in use. They can be used to protect the perimeter or area of your business, where alarms are placed around the building and generally cover the outside surface of it. Area alarms will protect the inside of the building and are usually motion detectors of some kind. There are also object alarms which can help to protect against specific, valuable items like a safe. If any of these alarms go off, they will alert trained professionals who will contact the owner of the business and local authorities immediately to prevent as much damage as possible.

 

Video Surveillance and Monitoring

Another aspect mentioned above is video monitoring. These services used to be fairly expensive, but prices have dropped significantly as new technology is developing. For a perfectly reasonable investment, business owners can install surveillance on the inside and outside of their building. You can even go back and review the footage as often as you want, because these systems can store massive amounts of footage. Some are even saved directly to cloud databases, in which unlimited amounts of video can be stored digitally. This isn’t just great for preventing burglaries, it can also help you and your staff feel safer throughout the day. Anytime handling money is involved, robberies are a possibility both during working hours and at night.

 

Community Watch

Just like developing a good relationship with your neighbors at home, business owners should get to know those working in nearby buildings. By doing this, local businesses can keep an eye out for suspicious activity in the area. Much like a neighborhood watch program, this is a community system that has mutual benefits for anyone involved. Any time you get the opportunity to keep your community safe, do so! These tips are geared towards small business owners, but they’re also applicable to homes and anywhere else susceptible to burglary. Families can take similar steps to keep themselves safe from burglars. By doing so, they can feel secure in their own homes as well as their small businesses.

 

Big life events like burglaries are stressful, and having financial strain on top of emotional distress can be disastrous. It could mean the difference in whether or not your company stays afloat. Make sure you have the right coverage in place so you don’t have to worry about that if the time comes. Our risk managers are trained in these areas and can help you when assessing what kind of coverage will fit your needs. Take the time and think about what’s important to you. Give us a call today and let us help you in any way we can.