Monthly Archives: December 2015

Tips For Being A First Responder At A Crash

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When you are driving in Allen, you may see a crash. It is always a good idea to stop and see how you can be of assistance. As a first responder, there are some responsibilities that need to be carried out. Below are some tips to help you along the way.

Park Away from the Crash
Don’t park too close to the crash because there could be broken glass or even a fire. Leave room for the emergency vehicles to get in there.

Call 911 with Details
Call 911 with as many details as possible. This should include the location of where the crash was. Try to provide landmarks or a mile marker.

Stay on the Phone
Stay on the phone with the 911 operator when you approach the cars so you can let them know how many people are inside and how badly they are hurt.

Talk to the Victims
Talk to everyone in the cars to calm them down. Let them know that 911 has been called and help is going to be to them soon.

Turn off the Cars
Turn the cars off that were involved in the crash so that there are no further problems. This can lead to a safer environment for everyone.

Provide a Statement
Wait until the police arrive so you can provide a statement. Be specific as to what you witnessed of the crash.

Leave Your Contact Info
Your contact information should be left with the police as well as the victims. This may be needed to continue the investigation. Police, insurance companies, and even lawyers may call you.

Call us at Allegiance Insurance Agency today to learn how one of our agents can help with your auto insurance. We can get quotes from multiple companies and answer any questions you have about insurance in Texas.

 

The 4 Biggest Risks for Your Small Business

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You hope for the best, putting your business together required no less than an optimistic, can-do attitude. Not everyone has what it takes to build their own business from the ground up. Unfortunately, the positivist attitude many small business owners have can also form a blind spot to the risks they may sooner or later have to tackle. The Institute for Business & Home Safety, warns that 25% of all small businesses will be permanently shut down as the result of a disaster for which it was not prepared.

1. Legal action
Even lawsuits against you which do not succeed can be very costly in terms of time, wages lost, and legal fees.  It is best to protect your company by purchasing business-liability insurance policy that will cover legal fees as well as any resulting damages.  It’s advisable to ask your insurance provider to refer you to an attorney specializing in small-business issues.

2. Breaches in security
Every organization which holds the private information of the people it serves is vulnerable to attack by computer hackers. It can be difficult to entirely guard against such attacks. Take all the precautions you can and consult with an online security professional to help you avoid this kind of trouble.
 
3. Disability, sickness, or death
If you lose a key partner or your own ability to work due to a medical misfortune- it can be devastating to your business. Be sure to have health, life, and disability insurance to cover you, your family and your business partners in such events. You may wish to consider key employee insurance for anyone who is a mission-critical member of your staff.

4. Mother Nature
Storms, earthquake, fire, and disasters of all kinds can devastate a small business and are often impossible to predict. Standard business liability policies will usually cover weather-related misfortunes. It is wise, however, to check with your insurance agent to ensure there are no exclusions in your policy for which you should purchase a rider or a separate policy.

The Allegiance Insurance Agency is standing by with decades of cumulative experience to advise you how best to ensure your business has the security and staying power that you have envisioned.