Argene N Stone Hembree Insurance Agency

Accidents happen, preparation is key Our business auto collision worksheet will help your driver note relevant details including accident and witness information so you’ll have what you need to stay organized. Contact me and I will send you our BUSINESS AUTO COLLISION WORKSHEET to keep in your company vehicles. ... [email protected] This is great to discuss in your employee safety meetings. If you’re in an accident, here are some tips to help you respond: 1. Stay calm and make sure you’re safe. 2. Stop and investigate. Check to see if everyone is okay. 3. If anyone is injured, call 911 or the appropriate emergency number. 4. Collect as many witness names, phone numbers, and addresses as possible. 5. Make no statement to anyone, except: a. a law enforcement officer; b. your company representative; or c. your insurance company representative. 6. Make no settlements. Do not comment or argue about the accident. 7. Do not sign any papers for anyone, except for the police, your employer, or their representative. 8. Complete this worksheet at the scene of the accident. 9. Call your employer in all cases involving injury or damage. 10. Return completed accident worksheet to owner or employer as soon as possible. This worksheet does not replace required accident reports. If you have any questions concerning your existing policies, you may reach me directly at 678.466.6968, or email me, [email protected] Our team will review your portfolio to assure you are properly insured providing Peace of Mind allowing you to keep your focus where it is needed most. https://www.hembreeinsuranceagency.com/ #insurance #business #safety #lawenforcement #insurancebroker #businessadvice #autoaccident

Reasonable Care is taking the appropriate steps to protect the people that visit your business from harm. It can be fully defined as the degree of caution and concern for the safety of himself/herself and others an ordinarily prudent and rational person would use in the circumstances. This is a subjective test of determining if a person is negligent, meaning he/she did not exercise reasonable care. Drivers: Employers must take reasonable care in who they let operate their ...vehicles, based on their qualifications and training. It would not be reasonable for an employer to allow a person with a suspended license or multiple violations/accidents to operate a motor vehicle. Hiring: Employers must take reasonable care in hiring the right employees for the job and the tasks involved for the position. For example, it would not be reasonable for a residential electrical contractor to allow an employee with criminal history to work in customers’ homes, or to send an employee without proper training/experience/qualification on a job. This can also apply to subcontractors. Premises Liability: The owner and/or tenant of property has a general duty of care to remove known dangers to visitors or guests. A reasonable prudent person would be aware that a heaved section of sidewalk could create a trip hazard, or a wet floor/icy sidewalk creates a slip hazard. This can also be extended to criminal activity in the area. What controls would be reasonable for an apartment complex to provide for the personal safety of their tenants? Property of Others: A reasonable person who operates an auto repair facility would not leave their customers’ keys in the vehicle or leave customer vehicles in an area prone to vandalism. Products Manufactured: Is the product dangerous? A manufacturer must take reasonable prudent steps to mitigate hazards. They must provide adequate instructions and/or warnings for product handling/use, and adequately train their sales force. It’s not enough to only consider the hazards that are known. There are also hazards that should be known. It’s not reasonable to only clean up known spilled liquid on a floor. A reasonable person would regularly inspect the floors to make sure they are clean and dry. (As a side note, this is why sweep/mop logs or snow removal logs are important, so you, the business owner can document this effort.) How often should floors be checked? There is no singular answer. A public restroom with frequent use will require a higher frequency of checks vs. a restroom that rarely gets used. This could also be impacted by other variables, like weather. The standard is what a reasonable person would do. Have questions concerning your existing policies, you may reach me directly at 678.466.6968, or email me, [email protected] https://www.hembreeinsuranceagency.com/

Preventing Catalytic Converter Thefts Catalytic Converter thefts have increased 425% in the last year. Review these tips for protecting your fleet from converter thefts, which can cost $800 to $2,200 to replace. According to the National Insurance Crime Bureau, reported converter thefts jumped from 282 per month in 2019 to 1,200 per month in 2020, a 425% increase!... Thieves often target larger fleets where they can remove multiple converters at once, and from larger vehicles which are easier to get under. A Nationwide insured in the Northeast with large passenger vans recently had seven converters stolen in one night, and replacement cost per vehicle was significant. A Colorado insured also had them removed from ten trucks over a two- to three-week period. Educate your staff about the problem and ask them to report any suspicious activity - If you see something say something. Park vehicles in secured locations, preferably in a garage or fenced and gated yard. Evaluate exterior lighting. Is lighting coverage adequate and are all lights functioning? Add exterior alarms and surveillance cameras. Engrave the vehicle’s VIN and your phone number into the converter. Scrap yards are less likely to purchase a converter with these identifications and may call to check. Install vehicle alarms which are activated by vibration. Consider security products specifically designed to prevent catalytic converter theft. These fall into two areas: Guards, shields, clamps and cables that inhibit removal of the converter. Check with your dealer or car manufacturer to ensure these devices will not alter vehicle operation or warranties. Sensor-activated alarms that sound under the car, making it unbearable for the thief to stay under the vehicle. Ask local law enforcement to patrol your property often during the night. Let them know it is okay for their officers to park at your facility during evening and weekend shifts. If you have any questions concerning your existing policies, you may reach me directly at 678.466.6968, or email me, [email protected] Our team will review your portfolio to assure you are properly insured providing Peace of Mind allowing you to keep your focus where it is needed most. https://www.hembreeinsuranceagency.com/

Inspect Fire Extinguishers to Ensure Proper Operation Appropriate care and regular upkeep of portable fire extinguishers can help ensure proper operation and potentially minimize property damage and personnel injury during a fire. Annual inspections completed by a state-licensed contractor is the first step in proper extinguisher maintenance. Additionally, you should verify for yourself that your portable fire extinguishers are fully charged, in operable condition and in thei...r designated places by conducting monthly self-inspections. Monthly self-inspections should follow the steps below: Location: Are all of the extinguishers properly mounted in their designated locations, clearly visible, and with no obstructions for their use? Charge: Check the pressure gauge to verify that they are properly charged. The indicator should be within the green zone. Pull Pin/Tamper Seal: Are the pull pin and tamper seal in place? Condition of the Canister and Hose: Is the canister in good condition with no signs of damage, leaking or corrosion? Are the hose and nozzle in good condition with no signs of obstructions, cracking, or other damage? Rock: Have all dry-powder extinguishers been gently rocked from top to bottom, to ensure that the powder is not packing? Notate Self-Inspection: If all five checks are good, sign and date the service tag. Self-inspections of fire extinguishers are easy and do not take very long. They should be completed monthly for every extinguisher and documented on their service tags. If you have any questions concerning your existing policies, you may reach me directly at 678.466.6968, or email me, [email protected] Our team will review your portfolio to assure you are properly insured providing Peace of Mind allowing you to keep your focus where it is needed most. https://www.linkedin.com/in/argene-stone-89586319/

Three points to add value in the workplace. 1. Learn more than you earn. 2. Deliver more value than you receive.... 3. Solve more problems than you create. Success is not just something that happens to you. Instead, it's about bringing excellence every day. It's about continually putting yourself in difficult situations that force you to grow. And it's about finding the solutions more than you focus on the problems. If we want our future to flourish, we must plant the seeds now. We might not experience big wins right away, but if we're persistent, we'll claim the long-term victory. Create beauty in your journey LIFT LEADERSHIP INFLUENCE FOUNDATION TEAMWORK

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Another area of Business Income coverage is "Extra Expense Coverage". If your company is temporarily shut down due to direct physical loss or damage to property at a described premises, extra expense insurance will cover expenses you incur during the period of restoration to avoid or minimize the suspension of your business. If you have any questions concerning your existing policies, you may reach me directly at 678.466.6968, or email me at [email protected]... Our team will review your portfolio to assure you are properly insured providing Peace of Mind allowing you to keep your focus where it is needed most. https://www.hembreeinsuranceagency.com/

Spring storm season is here, and it’s important to know how to prepare for severe weather. Here’s what you need to know to help protect your home and family from a tornado: bit.ly/3vD8AJd https://www.nationwide.com//emergency-p/articles/tornadoes... If you have any questions concerning your existing policies, you may reach me directly at 678.466.6968, or email me at [email protected] Our team will review your portfolio to assure you are properly insured providing Peace of Mind allowing you to keep your focus where it is needed most. https://www.hembreeinsuranceagency.com/

Utility services A utility services endorsement extends Business Income and/or Extra Expense coverage to apply to a suspension of your operations caused by a disruption of basic utility services to your premises. Examples include electric, gas or water provided by public or private utility companies. If you have any questions concerning your existing policies, you may reach me directly at 678.466.6968, or email me at [email protected]... Our team will review your portfolio to assure you are properly insured providing Peace of Mind allowing you to keep your focus where it is needed most. https://www.hembreeinsuranceagency.com/

Options for your Business Income coverage. Dependent Property Business Income from Dependent Properties covers your actual loss of business income from a necessary suspension of your operations due to direct physical loss or damage, from a covered cause of loss, to property operated by others upon whom you depend, such as:... Your suppliers, who are thereby unable to deliver materials or services to you, or to others on your account. Your customers, who are thereby unable to accept your products or services. Companies, who are thereby unable to manufacture products for delivery to your customers under contract of sale. A company, who is thereby unable to attract customers to your business. If you have any questions concerning your existing policies, you may reach me directly at 678.466.6968, or email me at [email protected] Our team will review your portfolio to assure you are properly insured providing Peace of Mind allowing you to keep your focus where it is needed most. https://www.hembreeinsuranceagency.com/

I would like to thank the Hembree Family/ Team for their support, allowing me the opportunity to get my Commercial Specialist Designation. My family and I are truly honored to be part of such an incredible team over the past years. I look forward to developing a strong relationship with our existing and new Business clients assisting them with their portfolios. Creating beauty in the journey...

Business Income can replace lost net income during the period of restoration that you would have earned if no physical loss or damage had occurred. Pay for necessary continuing normal operating expenses, including ordinary payroll expenses. Pay for relocation expenses and advertising fees if you set up shop at a temporary site.... If you have any questions concerning your existing policies, you may reach me directly at 678.466.6968, or email me at [email protected] Our team will review your portfolio to assure you are properly insured providing Peace of Mind allowing you to keep your focus where it is needed most. https://www.hembreeinsuranceagency.com/