We all worry about it and hope that it never happens where we work or where anyone we know works. But with the advent of "instant news" via cell phone videos, the internet, twitter, we can't seem to escape this sad...

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WOW! We just read a report that says that 60% of company vehicles accidents occur on personal time. That's a huge percentage and is affecting the premiums everyone is paying for commercial auto insurance. What can you...

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Do you need Employment Practices Liability coverage? The answer is probably yes. Every year there are more and more lawsuits filed against employers for charges alleging some sort of employment discrimination. Over 40%...

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Do you have a company owned vehicle that you drive for personal use but no car of your own? If you do, you may have a serious gap in your insurance coverage. Your employer's insurance will cover you while you are...

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Did you know that the "average" personal injury lawsuit award is $789,784? That's over and above what your auto or homeowners insurance policy may pay. So in most cases, we are talking close to $1,000,000 (yes, MILLION)...

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Did you realize that there were nearly 3 Million nonfatal workplace injuries and illnesses in 2015? Is your office or workplace prepared to provide some immediate treatment? No one wants an employee to be injured on the...

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Have you ever wondered why your insurance carrier wants to exclude one of your employees as a driver? Did you know YOU can be held accountable if they are involved in an auto accident and injure someone when they are...

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Here's why:1) 33% of Fortune 500 Corporate executives fall for phishing attacks2) 70% of cyber attacks target small business3) 60% of hacked small and medium size businesses fail within six months following a breachIt's...

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Nearly 2 million American workers report having been victims of workplace violence each year. What can you, as their employer, do to reduce or help prevent this from occurring at your business? The number one thing you...

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Every day we hear of lawsuits filed that make us shake our heads and think, "surely the courts will not let this go to trial let alone award the person any money!" However, in today's society, every business faces the...

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We have all heard of the hacks at Target, Home Depot, P.F. Chang's and even the government. But did you know it's not just big companies that hackers love? In most cases it's much easier and quicker to hack a small...

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Pools and ponds can make for fun in the sun for you, your family, and friends, but they can also be a liability hazard and attract unwanted guests. It doesn't matter if you have an in-ground or above-ground pool or a...

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Did you know that there were a record 53.2 million vehicles subject to recalls in 2016? The manufacturer will attempt to contact you if there is a recall, normally via postal mail. But we all know that in an office...

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The world seems like a small place anymore. More and more we are seeing companies who have business interests that cross international lines. What happens when your employee gets hurt or injured on a business trip? Do...

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The simple answer is yes. Kentucky & Ohio both hold that dog owners are "strictly" liable for any injury or any property damage caused by your dog. Dog bite claims account for more than 1/3 of all homeowners...

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Do you have a business continuity plan in place? What about a personal safety plan in the event of fire or a natural disaster? There are several resources that can help you with either plan, including your insurance...

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Are you incorrectly misclassifying your workers as independent contractors? You think no harm, no foul...right? You couldn't be more wrong and this could come back to harm you and your business in serious ways....

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And we are not talking about the largest mammal on the planet. We are talking about what could be a huge data breach to your business. What is "whaling" you ask? They are commonly known as "business email compromise" or...

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Does your home or business contain a Federal Pacific Electric Slab-Lok breaker box? If it was built or remodeled between 1950 to 1985 you should check to see. These panels are associated with breakers not tripping. That...

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How do you ask? Depending on who your workers compensation insurance carrier is, have you accessed their website for FREE safety information and materials? From posters to webinars, most insurance companies are offering...

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As insurance agents, we have been closely following the development and testing of self-driving cars. We have asked ourselves, how will this affect our business? According to the most recent information that we have...

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I read an excellent article on IIABA newsletter about shopping your personal auto insurance on "price" alone. Copy and paste this link into your browser to read the article: http://www.iamagazine.com/viewpoints/read/...

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Equipping your drivers with cell phones, onboard computers, GPS systems and other digital devices is one way to increase efficiency. It could also potentially increase accidents. Use the texting simulator (http://...

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Bilz Insurance is currently looking for a Commercial Lines CSR to handle our Small Business unit. Two to three years of commercial experience is required. This individual should be organized, detailed oriented, and able...

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We wanted to share this article with you from EMC Insurance on distracted driving. Don't think mutli-tasking while driving has an impact? Take the texting simulator test below and you will be surprised. Do you need help...

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Have you considered how your homeowners insurance will respond? Does your contractor or any subcontractors they use need to be insured? The short answer is all three of you need to be insured as each entities insurance...

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We wanted to share an article with you from Risk & Insurance about the increasing costs to your business if you have distracted drivers - http://www.riskandinsurance.com/15258/ New DOT penalties can range from $2,...

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According to OSHA, the top 5 (five) cited workplace violations for 2014 included Fall Protection; Hazard Communication; Scaffolding; Respiratory Protection; and Powered Industrial Trucks. What can you do to reduce these...

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As we head into January and those long cold days and nights, do you know what to do to keep your business or home safe from severe weather? There are multiple websites that can help you winterize and prepare to help...

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Did you know that Kentucky employers are required by law to post a notice regarding their workers' compensation coverage? KRS 342.610 states the following: Every employer subject to this chapter, at its principal office...

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We have all heard the numerous stories in the past couple of months about the "big" guys that have been hacked. But did you know that 60% of small businesses close their doors within six months of a data breach? Why you...

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You know, it's true what they say....the bigger the boy (or girl) and the bigger their toy! American's own over 8 million RV's. That's 1 for every 12 households in the US. What happens when you take it on the road and...

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It's been a bitterly cold January and not only have our clients had problems with frozen pipes, but our office experienced the same issue this past Friday. With an office full of women, that obviously created a problem...

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We were extremely pleased and honored to receive notifcation from EMC that we have been named one of their "2014 Leading Partner" agencies. That places us in the top 15% of all of their agents nationwide!

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We did it, thanks to your help! Bilz Insurance was one of the top four finishers in the Safeco Insurance® Make More Happen Awards voting event, which means that Redwood will receive $7,500 to help fund its work in our...

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The volunteer efforts of Chas H. Bilz Agency resulted in a Make More Happen Award — and a $2,000 grant for Redwood School and Rehabilitation Center, Inc. — from Safeco Insurance. Now, we can make even more happen! With...

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Chas. H. Bilz Agency was selected from among 90 applications to receive a Make More Happen Award from the Safeco Insurance Agent Giving Program! As a result of our staff's volunteer efforts, Redwood will receive a $2,...

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As equipment breakdown risks evolve with changing technology and increased demands, it's critical to keep equipment breakdown coverage up to date. The latest coverage is now available from Bilz Insurance. It is broad...

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Spring is here. That means it is Motorcycle season! Did you know that there are over 8 million motorcycles in the United States and that the average age of a rider is 41? We have several carriers that offer coverage for...

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Let us take some of your worries away. Did you hear about the bride that went to pick up her pre-paid dress and there was a sign on the door saying that the dress shop was out of business? How about the couple heading...

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With more than 2,000 companies offering life insurance, there is stiff competition for your business and a wide array of policy choices, too. So how do you navigate all these choices? You'll want to read on to learn how...

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We admit it: As insurance pros, our picture of winter isn't exactly cozy. Winter storms mean traffic snarls, hillsides turning to sheets of ice, and cars sliding around like hockey pucks. Cold temperatures can cause...

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Should the age or value of your car make any difference to the cost of your auto insurance? For some insurance coverages, the answer is no. Take liability coverages, for instance. These are the limits that protect you...

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Most people know that a homeowners or renter's insurance policy is crucial when it comes to protecting your home from a fire or other disaster. However, if you want to safeguard your valuables from the unexpected, there'...

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Remember the days of curling up to the radio on a Saturday night, torturing yourself through commercials and lame tunes just to be able to crank it when Mr. DJ played your favorite song? No longer does one require the...

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When properties are left vacant or are unoccupied, steps should be taken to prevent or mitigate losses due to heating system, electrical system, water damage, vandalism or other causes. Heating system/Electrical The...

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Some may view them as science fiction gone wild. Others see them as indispensable, possibly life-saving tools. Regardless of your feelings about Global Positioning Systems (GPS), they continue to occupy the dashboards...

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