Foresight Insurance is an independent “local” insurance agency that would give you an independent advantage for all your insurance needs.
With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision and most important, your agent is local and ready to take action to help yoru immediate needs, especially when you need them most…at the time of your claim.
On this post, we like to talk to you about 8 Tips To Help Avoid Costly Slits, Trips & Falls Inside Your Maryland Business.
Many of us love the idea of turning our backyards into an inviting oasis where the kids can let loose while the adults unwind. Who wouldn’t want to kick back and listen to the happy squeals of their kids as they splash in the pool, bounce on the trampoline or swing higher on the swings?
Play it Safe
It’s important to take an inventory of your backyard and identify potential risks. Your insurance agent can help you determine what liabilities you have and what coverage limits are best for your specific situation. It’s about the peace of mind knowing you, your family (and the neighborhood kids) are protected if something happened.
It’s important to understand that swimming pools and trampolines are known as an “attractive nuisance.” In other words, you may have something that’s kept outside that could tempt a child to sneak into your yard and use it. If that kid ends up getting hurt or worse, you could be held liable, even if they were trespassing.
Bottom line, there are many situations where if someone gets hurt at your home, you’re financially responsible for his or her injuries. To protect yourself, talk to your agent. Understand what is covered under your homeowners policy and what isn’t, and consider an umbrella policy for more liability coverage for your backyard enhancements.
In addition, take a few extra steps to protect your family and your visitors. We’ll walk through some of the most common causes of backyard accidents and what homeowners can do to protect their families, their guests and their finances — without sacrificing the fun factor.
As an independent insurance agent since 2008, Michael Cruz has been providing personal services for the local community in English and Spanish. He understands the importance of customer service and the comprehensive advice that they need to help them make the right decisions.
Michael believes on long-term relationships by educating his customer while protecting all their assets.