Safe Winter Driving Tips 
December, 08 2015, ,
Posted by Administrator
The holiday season is quickly approaching. Many people will see an increase in travel during the holiday season. Whether it is visiting family and friends for food and comradery or shopping to get everything for your meals and presents for those family and friends; travel will be involved for many of us. Traveling during this time of year comes with additional hazards. Winter weather can bring snow and ice that can create extremely hazardous conditions on the roadways. The conditions can be present when you start your trip or encountered as your trip progresses. There will also be more people out traveling as well, which mean more people encounter the same conditions. Below are some tips to help keep you and your family safe as you travel during this season:

1. Check the weather
• Monitor the weather in advance and plan accordingly. Make sure to know the conditions where you are leaving from and at points along your route. Just because it is clear where you are, does not mean that things won’t change along the way.

2. Plan ahead
• Make sure to leave yourself plenty of time to get to your destination safely. Don’t put yourself into a situation where you have to put yourself or others in a potentially dangerous situation because you did not plan accordingly for weather or additional traffic. Let someone know when you are leaving and approximate arrival time.

3. Check your vehicle
• Make sure that your wiper blades are in good condition. Make sure that you have plenty of windshield washer fluid.
• Inspect your tires before you plan to travel. If the treads are getting shallow, replace them before traveling to help ensure proper traction in adverse conditions.
• Make sure that you have plenty of gas, at least half a tank.

4. Winter Survival Kit
• Put together a survival kit to keep in your vehicle; include at least the following items:
- Blankets - Shovel - Flashlight - Jumper cables - Tow Straps - Water - Snacks - Signal Device
- Sand/Grit - Phone Charger - First Aid Kit

These tips can help you avoid a potential dangerous situation and also help keep you safe should a situation occur.

Space Heater Safety 
November, 30 2015, ,
Posted by Administrator
Although we have yet to see significant cool day time temperatures, those time are sure to change as we get later into fall and into the winters months. Whether it is in the home or at the office, many people will turn to space heaters to help keep them warm on these cold days. According to the National Fire Protection Association (NFPA), stationary and portable heaters, including wood stoves account for 4 out of 5 heating fire deaths (81%), more than 2/3 of injuries (70%) and half of property damage (51%) of heating equipment related incidents.
If you are going to be using stationary heaters, portable heaters, or wood burning stoves to cut through the chill of your space, following these tips will help keep you warm and safer:

1) Choose the correct space heater – Choose the correct size heater to proper heat the area that you intend it for. Also make sure that you are using a safety-certified space heater.

2) Check the area surrounding the heater – Keep all combustibles, blankets, bedding, walls, etc. at least three feet away from the heating equipment.

3) Turn them off – Don’t leave your heater running unattended. Make sure to shut them off when going to bed. Add an extra blanket to your bed for extra warmth. Shut them off and/or unplug them when leaving for the day.

4) Power supply – Plug portable heaters directly into the wall socket. Do not plug them into a power strip or extension cords.

5) Installation – Have the installation completed by a professional. This will help insure that all equipment will operate correctly and be properly vented.

6) Smoke Alarms – Make sure that smoke alarms are located in all bedrooms, outside bedrooms and on each level of the home. Also make sure to check the smoke alarms periodically to ensure that they are functioning properly.

There are many causes of fires. Following these tips will help reduce the exposure and possible tragic consequences of fire resulting from heating your space during the cold winter months.

Have a Safe Thanksgiving - Tips for Frying a Turkey Safely 
November, 17 2015, ,
Posted by Administrator
You’ve done it, you found the perfect turkey at the store for Thanksgiving and you have decided that you want to deep fry your turkey. While this is a common way of cooking the main dish for your Thanksgiving spread, it has the potential to cause serious injuries and property damage. Everything from burns to the skin to house fires can result from improper cooking and set-up practices. Following these tips will help ensure that you, your family and friends will be able to enjoy the holiday without worry.

1)Plan your cooking spot
a. Keep your distance from the house. Stay at 10 feet away from the house to avoid a potential fire should the oil catch fire.
b. Pick an area that is flat and level to place the cooker. This will help reduce the chances of the oil splashing out or the pot tipping over when immersing the bird in the grease.
c. Pick an area that is out of high traffic and play areas. Keep children and pets away from the cooker while it is hot to avoid burns from the cooker or the grease should it leave the container.

2) Preparation
a. Make sure that you are using the correct amount of cooking oil when frying. You want to make sure to have enough oil to completely cover the turkey when submerged in the oil. (Tip – fill the cooking pot with water and put the turkey in, this amount of oil will be needed to properly submerge the turkey)
b. Make sure that your turkey is completely thawed and towel dried prior to putting into the fryer. If there is excess water in the turkey, this will cause the oil to bubble furiously, which could lead to a potential fire or burns when it exits the container.
c. When submerging and removing the turkey from the oil, make sure to have a pair of gloves to reduce the risk of burns.

3) Cooking
a. Monitor the temperature of the oil. Avoid allowing the temperature of the oil to exceed 350 F.
b. Keep a fire extinguisher available to quickly extinguish a fire.
c. Before removing the turkey make sure to turn off the fuel source and extinguish the flame to reduce the fire risk. Allow the oil to drip from the turkey before removing from the pot.

A little preparation and precaution can ensure that everyone can enjoy the feast that has been prepared and no plans have to be changed or ruined due to an avoidable mistake.

Ground Storage for Gain 
October, 06 2015, ,
Posted by Administrator
The fall harvest forecasts for 2015 project a large number of bushels to be deposited at grain elevators throughout the region. With a hefty harvest expected, we also expect to see abundant amounts of grain piled on the ground in addition to what will be stored in the elevator bins. While grain on the ground does help to alleviate storage shortages in years such as this, ground storage presents some risk management challenges for grain companies. In accordance with the requirements on a grain license, the commodities on the ground must be fully insured. Our insurance representatives will be able to help you with your needs, but there are some issues that management should know about.
There are two general subdivisions of coverage that you can receive based on your method of protection – with or without a tarp. If you are storing grain on the ground without a tarp, your covered perils would be wind (if grain is blown away and cannot be recovered), theft (if you have the perimeter secured and can prove it has been broken into), and fire/lightning. If you have your grain pile covered with a tarp, and the tarp is covered on your insurance policy (meaning you are paying premium on it), you will have coverage for damage from rain or hail if the tarp is blown off in addition to all of the aforementioned perils without a tarp.
It would be best to make sure you discuss your fall harvest plan with your insurance agent to provide him or her with your best estimate of the amount of grain you foresee storing in ground piles. Your agent will provide you with the options for the coverage you need for your particular storage plan. Depending on the insurance company, your policy can be endorsed to reflect the emergency storage or it can be audited and your premium will be changed to reflect the findings of the audit. Again, make sure to be in contact with your agent so there are no surprises either in terms of coverage or premium payments.
Harvest is an exciting and stressful time of year. If you are facing the prospect of putting grain on the ground this fall, help reduce your stress levels by contacting your KFSA agent today to discuss your harvest plan and the insurance coverages that you may need to help you have the best harvest season possible.

Do You Need A Commercial Auto Insurance Policy? 
June, 19 2015, ,
Posted by Administrator
If you run a business that requires the use of vehicles for company activities, you need a commercial auto insurance policy. Commercial insurance policies are designed to protect you against the wide variety of liability issues you face when you have employees on the road using your vehicles.

Without a commercial auto policy, if an accident were to occur, you and your company will be held accountable for property damage and injuries. Only a commercial policy can protect you and your business from financial disaster.

Whether your company has one car or a hundred delivery vans, there is a commercial policy that will suit your needs. You can obtain individual commercial policies for each vehicle used by the company, or choose a fleet policy if you have more than a few cars.

You have other insurance policies in place to protect your company from liability, fire, theft, and other potentially ruinous events. Commercial auto is the policy that will protect your company when you or your employees are on the road.

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