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3 years ago · by · Comments Off on When was the last time you thought about an emergency-preparedness plan?

When was the last time you thought about an emergency-preparedness plan?

“Never,” is the answer most people would give, which could have terrible consequences if you happen to be caught in the middle of a disaster. September was National Preparedness Month but hurricane season is here until the end of November and since disasters can strike at any moment, it’s important to prepare before disaster strikes …today.

Creating an emergency plan is a good start, but remember, you should review it with your family annually. For example, do you have a newborn in the family? Did you adopt a pet? Have emergency kit materials expired? If you’ve experienced any of these or other changes, then you need to update your plan to make sure you’re prepared. Here are six things to consider during your routine yearly disaster preparedness check-up:

  1. Check emergency kit materials
    Refresh everyone’s memory of where the emergency kit is located. Check expiration dates of materials in the kit to assure perishable items will last for at least another year, including food, water and batteries.
  2. Update your emergency plan
    A basic plan should have a meeting place in case disaster hits and your home becomes unsafe, as well as at least two escape routes. Each year, make sure to remind everyone of the meeting place, ensure it is still a safe location and evaluate everyone’s escape routes to avoid new obstructions. Take into account any special needs of children, seniors, people with disabilities, family members who don’t speak English and pets.
  3. Know how to turn off your utilities
    Learn where the utility shut-offs are located and how to operate them. Turning off gas mains can prevent leaks and turning off electricity can help prevent potential fires started by electrical sparks. Additionally, turning off your water main can help prevent flooding.
  4. Practice home safety 
    Home safety should be observed year-round, not just in the event of an impending disaster. Install smoke detectors in each room of your home and replace the batteries every six months. Store heavy items on the lowest shelves. Combustible items such as firewood, picnic tables, boats and flammable liquids should be kept separately and 50 feet from your home and other structures.
  5. Prepare your insurance Getting ready for a natural disaster actually starts by choosing your insurance policy. Ask yourself: Do I have enough insurance to repair or replace my home if it is damaged or destroyed? We recommend you get an insurance check-up from your agent or broker once a year to help you make an informed decision about the coverage you need.
  6. Catalog your property
    Recovering from a disaster takes time. To ease this process, keep a detailed inventory of your property and update it annually. Photos and videos of your home can be presented to insurance adjusters to help your claim. Mashable, a technology blog, provides a list of eight home inventory apps that make creating inventory of your property easy.

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3 years ago · by · Comments Off on Let Us Quote You!

Let Us Quote You!

Texas Commercial Liability Services offers many different types of insurance and insurance providers. Give us a chance to quote all your insurance needs. We offer policies for General Liability for your business, Property Policies, Umbrella, Workers Compensation, Equipment, Trailers, Commercial Auto, Personal Auto, Home Owners, Renters Policies, Landlords Policies, Mobile Home Policies, Motorcycles, Life and various types of Title and Business Bonds. Give John Wycoff a call today!


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3 years ago · by · Comments Off on Tips For Road Trips

Tips For Road Trips

If you’re planning a road trip with your family, you’ll want to start checking off this safety list at least a few days before you hit the open road.

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1. Go for a tune-up. For smooth sailing (and overall sanity), make sure your car is in good working order. The National Highway Traffic Safety Administration (NHTSA) recommends that you have your tires, battery, belts, fluids, and air conditioner checked by a qualified mechanic. If you’re driving in a hot climate or towing a boat or trailer, you may need a motor oil with a higher viscosity.

2. Get a good night’s sleep. According to the NHTSA, driving while drowsy is a contributing factor in 100,000 accidents annually. Drive only when well rested, and switch off with another driver every few hours, if possible.

3. Give your car seat or booster seat a boost. If you are travelling with a child and you are not sure if your car seats or booster seats are installed 100 percent correctly: eight out of 10 aren’t, putting children at a serious risk for injury or death. Call 866-SEAT-CHECK to find a nearby location for a free safety seat inspection.

4. Gear up for safety. The NHTSA recommends packing an emergency kit that includes:

    • Water
    • Warm blankets
    • A flashlight
    • Jumper cables
    • Flares
    • Tools to change a tire
    • A fully charged cell phone
    • A first-aid kit
It’s also wise to subscribe to a roadside assistance plan—just make sure you know where to call in an emergency and what kind of assistance your policy includes. Give John a call to make sure you are covered and if you do not have insurance with us, let us quote you.
5. Keep the weight down. Store heavy items low in the seat wells so they won’t become projectiles during a sudden stop. For the same reason, suitcases, strollers, and anything else stowed in an open cargo area should be battened down.
6. Adjust your posture. Make a conscious effort to sit up straight, because slouching can make you drowsy. “People often sit too far away from the steering wheel and pedals,” says Ben Collins, a former NASCAR and stunt driver and author of How to Drive. “Your legs should be bent so you can exert strong pressure on the brake pedal, and your elbows need to be slightly bent so that you can use all your strength to turn the wheel if necessary.”
7. Look away from lights. Thanks to bright headlights of oncoming cars, you can be “blinded by the light,” as the old song goes. The eyeball has two types of receptors, and the ones working at night are extremely sensitive, says Collins. “Avert your gaze to the lower right shoulder of the road. Your peripheral vision will allow you to continue driving in the correct direction.”
8. Ignore phone calls. Even if you’re hands-free, talking on the phone is dangerous. The region of the brain that processes moving images decreases its activity by up to one third when you’re listening to the other side of the line. Talking on the phone and driving at the same time is like talking on the phone and watching TV—you’re going to miss something on one end or the other.

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3 years ago · by · Comments Off on Let Us Quote You!

Let Us Quote You!

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Everyone at Texas Commercial Liability Services does everything they can in order to

get you our best price on insurance. Whether you need; General Liability, Home

Owners, Personal/Commercial Auto, Workers Comp, or even life insurance, we can get

you covered. Give us an opportunity to quote you for all of your insurance needs!

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3 years ago · by · Comments Off on Let Us Quote You!

Let Us Quote You!

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Let us give you some free quotes on your commercial insurance:

* General Liability

* Equipment

* Commercial Auto

* Work Comp

* etc… (Excess/Umbrella, commercial property, Bonds…)

All of our commercial insurance companies are A-rated by A.M. Best Consumer Insurance Information Center. We also offer an extensive list of personal policies to protect you and your family in every day life:

* Auto

* Home/Renters

* Life

* RV, Motorcycle, Boat

* etc… (landlords, renters, home, mobile home, title bonds, business and contractor bonds)

Allow us the opportunity to help you insure what you love and have worked so hard for. We would love to be your new insurance agency!

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3 years ago · by · Comments Off on Pet Safety For The Summer

Pet Safety For The Summer

Summertime is just around the corner and when we feel the heat, our pets do too! It’s important to protect your pets and keep them from overheating when temperatures are toasty outside, so here are some simple tips to follow.

Keep Them Hydrated

Just like humans, pets need to stay hydrated, especially when the temperature outside starts climbing. Always provide your pet with fresh water and bring a water bottle for them if you go on a walk. When you do go on walks with your pet this summer, be mindful of the time of day you choose to go and for how long you’re outside. Walk in the morning or evening to avoid the highest temperatures of the day, stick to shady areas, and don’t stay outside too long.

Be Mindful of Car Trips

Sometimes our pets have to come with us when we run errands, but that doesn’t mean we have to leave them in the car! The temperature in cars can rise over 20° in 10 minutes during the summertime heat, so never, under any circumstances, should you leave your pet in the car. The US is lucky to have a lot of pet-friendly places, so either take your pet in the store with you or leave them at home.

Watch for Signs of Overheating

Animals can overheat very quickly if they are not properly looked after when it’s hot outside. Be mindful of panting, dizziness, or general disorientation in your pet, as these are all signs of overheating. The quickest ways to cool down pets that are too hot are to bring them inside, give them cool drinking water, and maybe even give them a frozen treat to snack on.

Pay extra attention to your pets and how they are handling the summer heat this season! Get some more tips from Kelly Cass below, if you have any other tips or tricks to keep pets safe during summer, add them in the comments section.

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3 years ago · by · Comments Off on Have A Safe Summer

Have A Safe Summer

This summer many people are going to be hitting the roads, whether it is to visit family or go on vacation.  Everyone here at Texas Commercial Liability Services want to make sure you and your family are as safe as possible.

Image result for vacation

 Make sure before you head out on vacation you have insurance to help keep you and loved ones safe. Whether it be life insurance, workers comp, general liability, home, or auto insurance make sure everything is in order before you go on vacation. If you have any questions or want to make sure everything is covered, give John Wycoff a call! 

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John Wycoff

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Arlington, TX 76010

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