Uncovering the insurance needs of an association


As a trade or business association, you provide benefits to your members by promoting the industry and offering educational opportunities.

Even though you typically don’t engage in the same operations as your members, you face unique risks as an association. That’s where a specialty insurance policy comes in.

Your policy should include coverage for the following:

Association events
If you host trade shows, fundraisers, conventions, or other activities, a standard commercial policy may not provide all the coverage you need. A special event policy can be tailored to the type of event, time frame, specific exposures, and more.

Volunteers

They play a key role in keeping your association running day to day. As such, they should be covered by your insurance. For example, if your volunteers work with children or in sheltered workshops, you may want to include them on your abuse or crime coverage.

Board of directors

A Non-Profit Directors and Officers (D&O) policy protects your association and leaders against liability risks. See the benefits of a D&O policy and why it’s important for your nonprofit.

To learn more or to make sure your association is properly covered, talk to your independent insurance agent or contact SECURA at 608-824-3462.

Add toy safety to your holiday shopping list


It’s just as exciting for us to give gifts to children as it is for them to open them. But when shopping for kids this holiday season, keep in mind some of the tips the U.S. Consumer Product Safety Commission recommends.


Choose quality
Toys for all ages and skill levels should be made with quality materials and construction. Toys that break can pose choking and laceration hazards. For a list of unsafe, recalled toys, visit the Consumer Product Safety Commission.

Mind the packaging
If you don’t want to remove the toy from its original packaging before you wrap it, make sure all ties and plastic are disposed of immediately after the child opens the gift, so they don’t become deadly playthings.

Read labels
If the label says it’s not for children under three, there’s a reason. Many people think children are mature enough for certain toys. But accidents happen. In fact, at least 41 children aspirated or choked to death from 2005-09 on balloons, toys, or toy parts.

Avoid other hazards

Lead and other toxic substances
. It’s a shame, but toys are recalled regularly because of unsafe levels of heavy metals or chemicals. Do not purchase toys made of PVC plastic, or play makeup with xylene, toluene, or dibutyl phthalate.

Cords or drawstrings. Simply put, they’re a strangulation hazard. Some toys include those that can be suspended, like mobiles, or pull-behind puppies.

Magnets. If more than one is swallowed, strong magnets can become attracted to each other in the intestines, causing infection, perforation, and obstruction — all of which can be life threatening.

Noise. If it’s too loud for your ears, it’s probably too loud for a child’s sensitive ears.

SECURA’s One by One campaign for breast cancer research surpasses $100,000


Independent agents who work with us, and fans in social media, came together to help us stand up to breast cancer. And with their support, we passed a milestone in our annual One by One campaign to raise funds and spread awareness for breast cancer research.

We donated more than $25,000 this year to the Breast Cancer Research Foundation (BCRF), making our five-year campaign total more than $106,000 given to the organization. Our agents had a huge impact on our success: For each new MILE-STONE® home and auto policy and Specialty Lines account written between Aug. 1 and Oct. 31, 2013, we donated to the BCRF.

So many others joined our campaign in social media. They shared photos of themselves and loved ones who’ve been affected by the disease. View the photos and inspirational messages at facebook.com/securainsurance and see a list of those we honored with our donation.

For those who participated, thanks for helping us make a difference in the fight against breast cancer.

4 things you should know about umbrella coverage


The umbrella policy is aptly named — it gives you added coverage on top of your personal insurance (like homeowners, auto, watercraft, or motorcycle). But how does it relate to you and your current insurance policy? Here’s a basic overview to help you understand the coverage.

1.   What is it?
The umbrella policy provides higher limits to give you extra liability coverage to pay for injuries and damages others sustain due to your negligence. For example, say you are found negligent in an auto accident and required to pay for the resulting bodily injury. Once you reach the limits of your primary insurance policy, the umbrella kicks in to cover the additional costs above that, up to your limit.

2.   What does it cover?
The policy applies to you and others living in your household, including a spouse, children, or others in your care. It extends the liability limits of your primary insurance policy, including auto, homeowners, watercraft, and recreational vehicle liability; and personal injury liability such as libel, defamation of character, false arrest, and more.

In addition, the coverage follows you, meaning you’re protected worldwide. The most common limit for an umbrella policy is $1 million, but higher limits are available.

3.   Why do I need it?
The more assets you have, the more protection you need — particularly when court awards are trending increasingly higher. An umbrella policy offers that extra layer of security. Plus, the added protection is valuable if you add a teen driver to your insurance policy. A majority of the claims covered by umbrella policies involve auto losses, so having an umbrella policy can give you peace of mind when your teen driver is on the road.

4.   How do I get it?
Umbrella insurance is relatively inexpensive, especially when compared to the amount of coverage you receive. Talk to your independent agent to learn more or to purchase an umbrella policy.