302 Richmond Road
PO Box 428
Phone: (859) 986-1056
2150 Lexington Road
Phone: (859) 626-5252
Informative articles on insurance, safety and risk for you, your family or your business. Each article includes a link for you to share with anyone who may benefit.
Home sweet home is an obvious place to give a good scrubbing once springtime in Kentucky arrives. It's time to wipe the grime out of every nook and cranny, wash the carpets and curtains, and pack away the space heaters and down blankets.But what about your business? Have you considered giving it a spring-cleaning too?
Doing so can revitalize your business and put a new spring in the steps-no pun intended-of all your employees. Here are some tips:
For any of your insurance questions, Contact Linville Insurance Agency today.
If you are a business owner in Kentucky who pays for your employee's health coverage and sick leave, you have good reason to motivate these employees to stay healthy. Good employee health translates to good financial health for you and your business!
Promoting employee health can be tricky, though. After all, your employees are generally neither your family nor your friends, so it may not be appropriate for you to discourage Mabel in Accounting from eating those jelly doughnuts for breakfast, or to comment on Jack in Human Resources about his recent weight gain. How can you inspire your employees to take care of their health while remaining professional and providing alluring incentives? Here are some ideas:
For any questions about employee health coverage, Contact Linville Insurance Agency today.
Resolving to make improvements to your health and habits in 2013 can do more than just improve your longevity, your quality of life, your appearance, and your attitude; it can also work to put more money in your pocket! How? Well, in addition to all the cash you'll save by foregoing that daily double mocha with whipped cream, you can also reap the benefits of having decreased insurance rates. That's because many insurance providers will give you a break if you make changes for the better. For example:
If you resolve to improve your credit, you may eventually see decreased home and auto insurance premiums. This is because, in some states, home and car insurance providers look at your credit report and score before determining just what your monthly premium will be. So, by keeping credit card balances under 30 percent of the credit limit, paying bills on time, or, better yet, paying them off, you can improve your credit rating and possibly get a lower rate on your insurance. To request a free copy of your credit report and check it for any factual errors (which are not unheard of), visit annualcreditreport.com.
Quit smoking and see your life insurance premium go down. Quitting smoking cannot only add years to your life; it can also drastically reduce the amount of money you spend on term and permanent life insurance, along with disability and long-term care insurance. Though the majority of life insurance companies require you to have been cigarette-free for at least a year before endowing you with "nonsmoker" status, some offer quit smoking incentive programs that enable you to save money sooner.
Shed excess pounds to save on life insurance. As is the case with being a smoker, being overweight can add digits not only to the numbers you see on your scale, but also to your life insurance premium. It's possible to save as much as fifteen percent on your life insurance costs if you get yourself into shape; this can be true whether you are applying for a new policy or are already insured. Some life insurance providers will reconsider your policy rates if you prove you participate in a health diet and exercise program. Talk to your insurance agent for details.
Decrease your home insurance costs by increasing your home's safety. Some homeowners' insurance providers offer safety and security discounts. Call or contact Linville Insurance Agency to see if this is a possibility for you. This could be the easiest New Year's resolution of all: simply vow to install deadbolts on your doors and better locks on your windows. In some cases, this is enough to see a decrease in your premium. To take things a bit further, you can also install a home security system, or upgrade to a fire-safe roof.
Bike to work and save on auto insurance. Getting out of the car and onto a bicycle can do wonders for your heart health, your physique, and for the environment. Moreover, it can also decrease the cost of your auto insurance premium. You already know that the less you drive, the less you pay. This is even better now with the pay-as-you-drive plans that some auto insurance providers are offering. They install a special device on your vehicle that records how much you drive, as well as how good of a driver you are (Braking too hard? That's a no-no.) In order to determine the fairest possible premium.
So, if you make a change, you might save some change-and it may be more than mere pocket change. Happy New Year! Here's to sticking to those resolutions!
Contact Linville Insurance Agency to discuss these and more ways you can save in the New Year.
The invitations have been sent, the hors d'oeuvres ordered, the house decorated, and the liquor cabinet replenished. You're ready to host a fabulous holiday party! Before you open the front door to a flurry of friends and family, however, make sure that you have the necessary insurance in place.
That's right. Just thinking about it may seem like a great big party pooper, but having the right homeowners' insurance coverage will protect you from an assortment of not-so-far-fetched holiday party mishaps. In addition, there are simple steps you can take to make sure your holiday party is one that will go down in history-for all the right reasons.
Alcohol is typically the go-to social lubricant at parties. We even serve special drinks (eggnog, anyone?) exclusively during the holidays. As a party host, however, you may be declared responsible for injuries or accidents suffered or caused by guests who drink alcohol at your house. Keep this in mind when you're tending bar, and keep a close eye on your guests. Stop serving guests who have imbibed too much alcohol, and prevent those who have had too much to drink from driving home. Never serve alcohol to any minors, and put an immediate stop to illegal drinking in your home. (Keep an eye out for the neighbors' teenage son sneaking sips of peppermint schnapps behind the Christmas tree.) Have a homeowners' insurance policy in place that will protect you in the event that someone gets hurt on your property due to overconsumption of alcohol. That way, when your Uncle Charlie pulls a groin muscle while enthusiastically showing off his dance moves after one too many whiskeys, you won't have to pay out of pocket for his medical expenses.
Be considerate of the neighbors who aren't attending your party. Ask your guests not to block their driveways with their cars or, worse, park on their lawns; a disgruntled neighbor can always ask you to pay the towing company's bill or to cover the cost of any damage to his landscaping. Keep your music at a reasonable volume, and try to quiet down any screamers. If your community has a "quiet hour," make sure to observe it and avoid a visit from the cops.
Keeping all of this in mind will not only save you from added stress, but also ensure your holiday shindig is a true success.
Most of us in Kentucky have insurance for our homes, cars or businesses. We know life insurance is part of any good financial plan and health insurance can protect us from catastrophic medical bills. But there are a few other programs that we come in contact with - we don't usually think of these programs as insurance, but they are.
Social Security is a form of social insurance that began when Franklin D. Roosevelt was president. Its purpose was to improve poverty rates among senior citizens, which, during the Great Depression of the 1930s, exceeded 50 percent. Today, Social Security benefits people of all ages. In 2010, it functioned to lift over 20 million people out of poverty. Those people included: over 1 million children; over 5 million non-elderly adults; over 13 million adults over the age of 65. In that year, the poverty rate among senior citizens decreased from 44 percent to a mere 9 percent. If you haven't already benefitted from Social Security, chances are you will when you reach age 65.
Workers' Compensation is another form of social insurance that serves to protect working people from losing money due to injuries sustained on the job, which may cause them to have to miss work, sometimes for lengthy periods. If a construction worker, who relies on his job to feed his family, gets hurt while building a house, workers' compensation keeps his wages coming and covers his medical expenses, so neither he nor his loved ones will suffer unduly. In 2010, workers' compensation helped 128,000 people stay out of poverty.
Unemployment compensation insurance works to assist those who have lost their jobs and are actively seeking new employment. This form of social insurance makes a big difference in the lives of those who have been unexpectedly laid off, often due to the fact that many corporations are scaling down in order to cut costs. Unemployment insurance makes it possible for those who have lost their jobs to continue to eat, pay rent, and cover other living expenses while trying to get back into the workforce. You may be a stellar employee who does everything right, but if your employer can no longer afford to pay your salary and you are let go, it can be comforting to know you'll still have some money coming in until you land a new position elsewhere.
For more information, call or contact Linville Insurance Agency today.