Twelve Days of Christmas from a Risk Management Perspective

On the twelfth day of Christmas, my Risk Manager said to me – be sure to do these things so you can have a SAFE Christmas (source of Information is Insurance Networking News – The 12 Risks of Christmas)!!

1)      Be careful on frozen or wet surfaces to prevent slips and falls.

2)      Protect outdoor pipes from below-freezing weather to prevent frozen and broken pipes.

3)      Clear huge snow deposits on the roof of your home or business to prevent roof collapse.

4)      Be sure your business insurance has adequate coverage to avoid a loss due to business interruption.

5)      Use complex passwords and strong anti-virus and firewalls on your computers to avoid data breaches.

6)      Implement strong internal controls to prevent employee theft and fraud.

7)      Practice safe partying to avoid employee harassment claims.

8)      Ensure that any events including alcoholic beverages are covered for liquor liability.

9)      Monitor the news for any toy recalls to prevent possible dangers to children.

10)   Drive very safely to protect yourself and loved ones from auto accidents.

11)   Lock up valuables, especially gifts in your car, to prevent car theft.

12)   Take care of YOU!  Wash your hands often, cover your mouth when you cough or sneeze, avoid exposure to germs as much as possible to prevent flu, heart attacks and other health issues.

To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ , SERVICE TEAM: Angelyn Treutel, Tammy Garfield, Tammy Hogue, Wendy Johnson, Denise Russell, Melissa Moran, Alex Treutel, Susan Monti, Kayleigh Davis, Matthew Langlinais, Anne Gillam, Ashlie Moody, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: atreutel@southgroup.net , phone:228-466-4498, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast , or Twitter www.twitter.com/atreutel ! We now have 3 locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.

We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

We serve Mississippi, Louisiana, Alabama, and many other states. We specialize in coastal exposures.