Fire safety tips | Maryland Insurance

October is Fire Prevention Month. According to the Home Safety Council’s State of Home Safety in America™ Report, fires and burns are the third leading cause of unintentional home injury and related deaths. Fire safety and survival begin with everyone in your household being prepared. Follow the safety advice below to reduce the chance of fire in your home.

Smoke Detectors
•    Place smoke detectors near bedrooms and on every floor of the house.
•    Test the batteries often or as recommended by the manufacturer.
•    Don’t place smoke detectors near air vents.
•    The smoke detector’s battery should be replaced twice a year. Here is an easy way to remember: When you change your clocks, change your batteries.

Electrical Wiring
•    Replace worn cords.
•    Don’t run cords under rugs or carpets.
•    Don’t overload electrical outlets or power strips.
•    Avoid using extension cords when possible.
•    Replace any frayed or cracked extension cords.
•    Don’t tamper with your fuse box or use improper-size fuses.
•    If any electrical appliance smokes or has an unusual smell, unplug it immediately, and don’t use it until checked or repaired.

Electric Space Heaters
•    Don’t use an extension cord on space heaters.
•    Unplug heaters when you are not using them.
•    Keep heaters a safe distance (at least three feet) from furniture and curtains.
•    Do not dry your clothes, gloves or other items on a heater.

Fireplaces
•    Have your chimney cleaned regularly to prevent chimney fires.
•    If you have a fire in your fireplace, always close the screen or doors.
•    Always empty your fireplace ashes in a metal container, and set them away from the house or anything that will burn.

Cooking
•    Never leave cooking unattended.
•    For each pot or pan you use, have its lid out to cover it to extinguish sudden flare ups.
•    Keep the cooking areas clear of combustibles such as aerosol cans, oil, towels etc.
•    Turn pot and pan handles inward on the stove so they can’t be bumped.
•    Keep small children away from the cooking area while in use.

Home Fire Escape Plan – Create a family escape plan in case of fire.
•    Practice the escape plan every six months.
•    Assign someone to help those that need help getting out.
•    Create a meeting place for everyone once they get out.
•    Get out of the house or building and stay out.
•    Always know two ways out of every room.
•    Feel doors with the back of your hand for heat before opening.
•    Open doors slowly, and be ready to close them if heat or fire is outside them.
•    Close any doors you safely can as you are leaving the house or building.
•    Crawl low under the smoke.
•    Once outside, go to a phone, and call 911 to report the fire.

Calling 911 – Provide any helpful information to the fire department that you can such as:
•    Where the fire is located in the house or building
•    If anyone is still in the house or building and where they might be located
•    Any hazards that might be in the house or building

Just good common sense …
•    If your clothes catch on fire: STOP, DROP and ROLL until the fire goes out, and cover your face with your hands.
•    Children should NOT have access to or play with matches or lighters.
•    Children should stay away from others who play with fire and should immediately inform an adult.
•    Smokers should always use a proper ash tray and should stay alert while smoking.
•    Have working fire extinguishers, and know how to use them.
•    Do not waste time trying to save your pets, toys and other things.
•    Every second counts in a fire.

Remember, fire safety begins at home. Every family should know the basics of how to prevent fires and what to do in case there is a fire. Check out these useful Web sites for additional safety tips.

http://www.smokeybear.com

http://www.nfpa.org/sparky/index.html

http://www.usfa.dhs.gov/citizens/index.shtm

Insuring Summer Toys | Insurance Maryland

Boats, trampolines and more – are you properly insured?

Summer is the time for fun. Book a tee time, put the boat in the water, head to the lake, the beach or the mountains. It is the time of year to play. Golfing, boating, fishing, water skiing, swimming, hiking, trail riding – you name it, we do it.

In order to play, we have to have the right toys. And, we have those toys – swimming pools, boats, golf carts, all-terrain vehicles (ATVs), motorcycles, motor homes, and trampolines for the kids. You name it, we’ve got it. And if we don’t own one, we’ll rent one.

But, are the toys we own and rent properly insured under personal insurance policies? In some cases the answer is yes, but, all too often the answer is no.

Pick up your phone and give us a call.  Find out whether your “summer fun” might turn into your “summer nightmare”.  We can help make sure it is “summer fun” for you!

Restaurant Insurance: A Necessity for Any Restaurant

Restaurant insurance is important to have, because it can protect your business from liability issues and lawsuits due to broken equipment. There are many common everyday scenarios restaurants face that can become easily hazardous. This article will discuss some of the great reasons to consider getting insurance for your restaurant business today.

Think about how often chefs are using the fryers in a kitchen, or how often your restaurant is exposed to open flames. Wouldn’t it be a tragedy if a fire broke out in your restaurant? Think about how your business would be severely financially affected, in addition to the injuries workers or even your customers could sustain. Having to engage in legal battles could prove to be even more expensive.

With restaurant insurance, your business is protected from common everyday scenarios like the above that can harm your business.

There are a variety of more specific types of restaurant insurance you may want to invest in for your company. Food contamination insurance is especially helpful if your restaurant happens to lose power one day. If your restaurant loses power due to a storm or fallen power lines, then food contamination insurance will cover the entire contents of your freezer in which you keep your food. Perhaps you own a gourmet restaurant and keep thousands of dollars worth of food in a freezer. This type of restaurant insurance would then cover your valuable losses and would prove to be a valuable investment.

Loss of Business insurance is another kind of restaurant insurance that protects your restaurant. Perhaps you start losing sales or customers due to a recent incident at your restaurant. Depending on what the reason is you may be able to recoup some of the losses with Loss of Business insurance.

Some types of restaurant insurance include all of the specific types in an all-in-one sort of package. This can be a highly favorable choice, if you want to cover all of your bases as a restaurant. If you place a high premium on being prepared, then all inclusive restaurant insurance is the perfect choice for you.

Other times in which restaurant may protect you are for food spoilage, liquor liability reasons, worker’s compensation lawsuits, and a plethora of other scenarios.

Having restaurant insurance is the best way your restaurant can prepare for the worst. Be prepared and your preparation may be a smart investment in the future when you need insurance most.

Wedding Insurance | Insurance Maryland

You’ve always dreamed of planning the perfect wedding, but no matter how carefully you plan it, there are many things that can go wrong – things that are beyond your control. Wedding insurance helps make things right when something goes wrong! For as little as $160, your wedding insurance policy can cover a variety of situations, such as: a lost or damaged wedding gown; lost deposit if the vendor goes out of business or simply fails to show up; lost or damaged wedding bands; severe weather; sudden illness; your venue requires insurance and/or liquor liability…the list goes on!  Go to the RHH Insurance website today and learn more about this valuable coverage.  You will see how simple and inexpensive it is for you to obtain wedding insurance, and some peace of mind as well!

Stay Safe If Your Car Breaks Down

If you are in an accident or your car breaks down, safety should be your first concern. Getting out of the car at a busy intersection or on a highway to change a tire or check damage from a fender bender is probably one of the worst things you can do. The Insurance Information Institute recommends the following precautions when your car breaks down:

1. Never get out of the vehicle to make a repair or examine the damage on a busy highway. Get the vehicle to a safe place before getting out. If you’ve been involved in an accident, motion the other driver to pull up to a safe spot ahead.
2. If you can’t drive the vehicle, it may be safer to stay in the vehicle and wait for help or use a cell phone to summon help. Under most circumstances standing outside the vehicle in the flow of traffic is a bad idea.
3. Carry flares or triangles to use to mark your location once you get to the side of the road. Marking your vehicle’s location to give other drivers advance warning can be critical. Remember to put on your hazard lights!
4. In the case of a blowout or a flat tire, move the vehicle to a safer place before attempting a repair—even if it means destroying the wheel getting there. The cost of a tire, rim or wheel is minor compared to endangering your safety.

Preventing Outdoor Same Level Slips, Trips and Falls

Slips, trips and falls in outdoor environments can be caused by rain, sleet, ice and snow, and particulate soil that causes surfaces to become slippery or produce poor traction. While we cannot control environmental conditions that increase slipperiness of outdoor walkway surfaces, we can certainly reduce the likelihood of falls through improved design of exterior sidewalks, curbs, parking areas, improved lighting, and improved maintenance to increase awareness and eliminate hazards.

This reference note addresses slip, trip, and fall hazards, and describes interventions, including outdoor walkway design and maintenance, visible warnings, and snow/ ice removal strategies. Walkway surfaces include sidewalks, curbs, parking areas, curb ramps, and entrances. Stairway design is not addressed in this reference note. See LP 5158, Controlling Falls on Stairways, for guidelines on stairway fall prevention.

Trip Hazards

A trip occurs when the foot strikes a near-ground obstacle that abruptly arrests the movement of the food when the body’s center of gravity is in motion.  This causes the center of gravity to rapidly move out of the area of the body’s support base (the planted foot), resulting in a fall.  A trip most often results in the person falling forward, while a slip most often results in the person falling backward.

Most state, local, and federal codes and standards describe changes in level of ¼ inch or higher in the course of travel as a trip hazard.  The obstacle should be eliminated through facility design or maintenance, if at all possible.  However, if elimination is not possible, other options include:

•    For changes of level ¼ inch to ½ inch (6mm to 13mm), bevel the edge with a slope no greater than 1:2.

•    Slope is the angle of incline usually given as a ratio of the rise (or vertical height) to the run (or horizontal length).  The larger the run, the more gentle the incline angle.

•    For level changes greater than ½ inch (13mm), install a ramp with maximum slope 1:12.

•    A third, but less desirable option, is to make the hazard visually noticeable through appropriate detectable warnings.

Sidewalks, Curbs and Parking Lots

A business owner may not be responsible for injuries resulting from a fall on a public sidewalk located outside his or her property.  However, some courts may impose liability for injuries on a sidewalk used exclusively by customers coming to and from the business.  Consult with your legal counsel if you have questions on liability.

A parking lot owner, however, can be responsible for maintaining the parking lot in a manner such that it is reasonably safe for people using it.

This includes:

•    Filling and patching cracks and holes

•    Repairing and eliminating raised areas due to tree roots, settling, cold weather (frost heaves), and ordinary wear and tear.

•    Reducing surface water by directing roof drainage away from sidewalks and parking areas.

•    Clearing sidewalk/parking areas of snow/ice before employees and guests arrive.

•    Centering and securing parking stoppers.

•    Painting or staining parking stoppers near entrances Safety Yellow to improve visibility.

Curb Ramps and Handicap Ramps

State, local and national codes specify guidelines/requirements for curb ramps and handicap ramp design.  For example, ramp slopes 1:15 minimum to 1:12 maximum with “slip-resistant” surfaces is often cited.  There are no specific guidelines as to what “slip-resistant” means, but some codes specify grooving or other alternations of the curb ramp to improve slip-resistance.  Check with your state and local codes for requirements on ramp slip-resistance guidelines.  Handicap ramps and curbs are colored Safety Yellow (see section on Color, Contrast, and Visible Warnings).

Entrances

Entrances represent unique slip and fall issues and are addressed in LP 5408, Preventing Slips and Falls: Selecting the Right Matting System.  For outdoor walkways at entrances exposed to the elements, consider installing a canopy to reduce snow, ice and water from being tracked into the building.

Color, Contrast and Visible Warnings

Recent U.S. Access Board Research recommends Safety Yellow as the preferred color for persons having very low vision.  Yellow or yellow-orange warning surfaces are preferred over black warning surfaces.  Safety Yellow, therefore, is a color standardized for use as a warning in the pedestrian/highway environment.

Ice, Snow, Water

Slips and falls from snow, rain, and ice are common in northern climates.  Falls can be caused by inadvertent accumulation of ice and snow due to misapplication.  Misapplication can be caused by selecting less efficient deicing chemical(s) and friction additives (sand), and inadequately managing application schedules.  Effective ice removal often occurs during the day with full sun.  But, full sun will melt adjacent snow or ice, placing water on the de-iced walking surface.  This will dilute the solution and tend to refreeze at night.  With the dropping temperatures, ice can re-form with the falls occurring first thing in the morning.

Selection of ice melting chemicals

•    Rock salt (Sodium Chloride) is the least expensive but is somewhat corrosive and can damage concrete, interior surfaces, and vegetation.  It may need a wetting agent for application at low temperature.

•    Calcium Chloride and Magnesium Chloride are more effective than Rock Salt, and most effective at lower temperatures.  Magnesium Chloride is somewhat less corrosive than Calcium Chloride, which is about as corrosive as Rock Salt.

•    Calcium Magnesium Acetate is the most environmentally friendly, but is more expensive and is least effective at lower temperatures.

•    The following are guidelines for managing slips and falls from snow, ice and water:

•    Plow, shovel, and use deicing, salting, or ice melting chemicals to remove ice and snow.

•    Pre-apply deicing chemicals before a storm, followed by snow/ice removal during and after the storm.  Use plenty of deicing materials, as using “barely enough” will leave patches of ice.

•    Check the surface regularly.  For parking areas, this can be time consuming, but it is well worth the effort.

•    Aim for evaporation.  If the water can drain (e.g. drains aren’t blocked) and there is full sun, or even reasonable wind, the water (even ice) will evaporate.  A dry pavement is a clear indication there is no ice.

•    Use a friction additive.  Sand is the most popular because it’s cheap.  Use a lot of it.  Make certain that anyone walking on the surface has a lot of traction.  You can clean up the mess once the bad weather is over.

•    Check and treat surfaces every morning, especially around snow piles where melting may have created new problem areas.  Reevaluate during the day and re-treat as needed.

•    Remember that a clean-looking surface is only “safe” if it’s dry.  A wet surface can contain ice, and can also turn to ice in the shade or overnight.

•    Hold facility managers, custodians, grounds maintenance staff, and contracted snow removal personnel responsible for snow and ice removal.

•    Train those responsible in procedures for safely maintaining walkway surfaces, including the location of equipment and supplies.

Outdoor lighting

Inadequate lighting may also lead to accidents involving falls in parking lots, trips over curbing, falls on a step or stairs from a parking lot to a store, and trips and falls due to holes, cracks, and uneven surfaces.

Recommended outdoor lighting levels for general parking, ramps and corners, pedestrian areas, and entrances are giving in LP 628, Lighting for Safety and Performance.

Do you need to carry workers compensation insurance?

Do you have any employees?  Do you know the criteria used by the State of Maryland, or any other state, to determine whether someone working for you is considered an employee?  Workers’ compensation laws  vary greatly state by state, so be sure and call one of our Workers’ Compensation specialists today at 1-866-847-0449 and they will help you determine if you are in a situation that legally requires you to purchase this coverage.  If you find that you do need workers compensation insurance, be sure and ask about our “Pay As You Go” plan that is offered by many of our insurance carriers!

For more information regarding workers’  compensation coverage click here: http://www.rhhinsurance.com

H1N1 Flu-Everyone’s Problem

If the flu becomes more severe this fall and winter, it is likely to be a prolonged and widespread outbreak that could require major changes in many areas of society, including schools, businesses, transportation, and government. To be prepared, government health agencies encourage individuals, businesses, and communities to consider the following:

• Talk with your local public health officials and health care providers, who can supply information about the signs and symptoms of a specific disease outbreak and recommend prevention and control actions.

• Adopt business practices encouraging sick employees to stay home, and anticipate how to function with a significant portion of the workforce absent owing to illness or caring for ill family members.

• Practice good health habits, including eating a balanced diet, exercising daily, and getting sufficient rest.

• Take steps to stop the spread of germs, including frequent hand washing, covering coughs and sneezes, and staying away from others as much as possible when you are sick.

• Stay informed about pandemic influenza and be prepared to respond. Businesses can receive e-mail updates on guidance and H1N1 facts and figures virtually daily through the federal government’s clearinghouse for influenza information: www.flu.gov.

At the end of the day, both the public and private sectors must incorporate the lessons we learned this spring. Being prepared to respond to an emergency is in a business’ own interest; it is also a shared responsibility of both business and government to become actively engaged in preparation and prevention efforts—working separately and together.

Dundalk water-main break triggers coverage questions | RHH Insurance

The extensive damage caused by the water-main break in Dundalk last week has lead to many coverage questions and potentially erroneous interpretations.
Normally this type of loss should be considered a flood, and in order for there to be coverage there must be a Flood Policy in effect.  This was confirmed by the Maryland Insurance Administration.  Some insurance companies, however, have indicated they might cover the claims under homeowners’ or other property policies.  This will depend on the wording of the individuals’ policy, specifically the water-damage exclusion, coverage for burst pipes and/or backup of sewer and drains coverage.
Here are the MIA’s official guidelines concerning this incident:
•    People who have flood insurance can file under their flood policy
•    People who don’t have flood insurance should file a claim with their property  insurer and get any denial in writing; and
•    The MIA will handle any complaints they get and look at the specifics at that time.

Floods can happen anywhere and everyone is at risk, as demonstrated by the Dundalk water-main break.  This is a perfect example of why even if you don’t live near the water you still need a Flood Insurance Policy!

RHH Insurance New Website | Maryland Insurance

Welcome to the new Rossmann-Hurt-Hoffman, Inc. website!  We are very excited to be able to offer you this new platform which has been in development over the past six months.  We hope that you will find our new website informative and pertinent to your insurance needs and questions.  It features Special Programs we offer including our Endorsed Restaurant Association of Maryland Program, Exclusive CNA Lawyers Professional Liability Program, as well as Jewelers Mutual’s program for Jewelers and specialty markets for Contractors. 

Be sure and check out the information on Homeowners and Automobile Insurance on our Personal Insurance page!  The new site is easy to navigate and contains many helpful hints.  There are also links to applications to submit quote requests for your insurance needs.  Our agency takes your privacy and securing your confidential information very seriously.  Our website is secured by Network Solutions SiteSafe Service to make sure that any information you provide to us via our website is secure. 

We hope you enjoy our new website, and visit us often for the latest updates and news