Top Resources to Help Your Business Go Green!

Is your business planet-friendly? Use these steps to better your company’s impact on this earth.

More and more businesses are going green by selecting eco-friendly options to operate. Not only does this lower outgoing bills, boost sales, but it benefits the environment. Any business can reduce their energy usage, recycle, and take active steps to go green. By incorporating eco-friendly practices into your businesses, you’re helping the bottom line as well as the planet.

Here are the top ways in which your small business can go green!

Know where to start
Check your energy’s consumption and water usage so that you know where to start to reduce your carbon footprint.

Buy recycled paper
Replace copy paper with recycled options. This paper is made entirely from the paper put in recycling bins while using less energy and creates less waste during the papermaking process.

Reduce, reuse…
Recycle! Provide recycling bins for paper, plastic, and cans so that your employees can recycle their waste easily. Don’t forget about e-waste! Your old printers and computers should be taken to your local recycling center when their time is up.

Turn off devices
Research has shown that simply putting your computer to sleep can save $10 – $50 per computer each year. Encourage employees to make sure their computers are “sleeping” when not in use.

Switch your lights
While there is often a higher price tag on your compact fluorescent or LED lights, they not only last longer than standard bulbs, but they also use less energy. This is a smart financial decision, and it phases out the wasteful incandescent bulbs.

Turn to green cleaning products
Your office kitchen should use natural hand and dish soap, and you can switch out paper napkins for cloth towels.

Skip the search of finding the right business insurance in your area to suit your needs – contact Fullhart Insurance to find out how our policies can meet your business’ needs.

Stay Hydrated This Season with These Tips!

Keep your cool this season by staying hydrated. 

Now that summer has landed, the temperatures are rising and the heat is sweltering. It’s hard to believe that there’s a downside to summer weather, but there’s one – dehydration! Dehydration occurs when your body loses more fluid than it’s taking in.

It’s not just those who exercise during midday that needs to take extra precautions to stay hydrated – the heat and humidity can affect everyone. During the season, plenty of people suffer from dehydration more so than other months. It’s essential to keep drinking water and stay hydrated once the temperatures skyrocket.

For tricks on how to stay hydrated this summer, read on!

Drink water. Water plays such a vital role in hydration. Water does so much for your body to run properly, but it also aids in keeping your body temperature steady, as it pulls heat away from your vital organs. Ensure that you’re sipping on water throughout the day.

Avoid drinks that dehydrate you. Coffee and alcohol, in particular, are diuretics. Essentially, they flush much-needed water from the body and cause mild dehydration. The last thing that your body needs in the hot weather is to be losing water. Instead of reaching for your morning coffee, have a non-caffeinated green tea or a fruit juice to wake up!

Avoid outdoor activities at midday. Don’t make plans for strenuous activities during the hottest part of the day (typically early to mid-afternoon) as the sun is at its most intense.

Eat clean foods. Eat water-rich foods like fruit and vegetables to automatically up your fluid intake. To boost your water intake, eat plenty of cucumber and watermelon that are made up mostly of water. Avoid processed foods like chips, crackers, and baked goods, which will have minimal water content.

Staying hydrated during the summer heat is essential for every individual. From the insurance experts at Fullhart Insurance, we hope that you stay cool this summer! Be sure to contact us for all of your insurance needs!

Should You Spring for Auto Insurance Add-Ons?

Does your auto insurance need all of the added bells and whistles?

A typical car insurance policy covers you from having to pay for damages that you cause. However, for truly personalized coverage that protects you from all sorts of accidents and financial hardships, auto insurance add-ons are available. When comparing auto insurance policies and add-on coverage, the cheapest policies tend to be the ones without all of the trimmings. However, motorists should be advocates of getting the right level of coverage at the right price, rather than opting for the cheapest, most minimal policies. After all, insurance protects your wallet in the long run.

Here’s a run-down of the extras most commonly offered, so that you can work out your desired coverage!

Accident forgiveness – For those who are normally a safe driver and rarely file a claim, this is for you! Some insurance companies will provide those who are qualified with forgiveness for accidents that rarely occur.

Small claim forgiveness – Small claims, such as fender benders, can increase your auto insurance rate.  In the spirit of forgiveness, this coverage means that your rate remains the same even if you file a minor claim.

Loss of use – Anyone who has been without their car after an accident knows the frustration of using public transportation and taxis or splurging for a rental car. This coverage reimburses your expenses that you face when your car is getting repaired or replaced.

Personal umbrella – Personal Liability Umbrella insurance supplements the liability coverage you already have on your auto and homeowners policies, providing an extra layer of protection.

Towing & Roadside Assistance – Avoid the heart-sinking feeling of breaking down on the side of the road with no means of help. Your auto insurance policy can provide you with a tow truck that will transport you and your car to a mechanic, locksmith services, jump-start your battery, or deliver you fuel so that you get back on the road quickly.

Rental car reimbursement – If you need a rental vehicle after an accident, your policy can foot the bill of this expense so that you don’t have to be without your car and money!

Extended customized equipment coverage – If your ride has a new stereo system, subwoofer, chrome rims, spinners, or a similar feature, you may not be covered if they’re damaged or stolen. With this coverage, you can protect this equipment!

Talk to your independent insurance agency today to customize your auto insurance policy so that you can cruise the roads, protected! Visit the experts at Fullhart Insurance to get started.

Healthy Office Snacks for an Energized Team

Offering a selection of healthy snacks helps your team to stay on point.

You expect your staff to spend a lot of time at the office, so why not try to make the most of it? Offering tasty and healthful snacks can help keep energy, spirits, and productivity up – all at relatively little cost to your business. What kind of snacks are best for the office? Use this guide to the top healthy choices for stocking your breakroom.

Fruit & veggies

It shouldn’t be surprising that fresh fruits and vegetables are nutritionists’ top picks for healthy snacking. Most Americans aren’t getting enough servings of these crucial food groups, so by offering them, you can help your team overcome this deficit. If you’re having trouble keeping fresh produce in stock, consider unsweetened dried fruit. Packed with fiber and nutrients, this is a fantastic long-lasting option.

Nuts

Help your team fit in their healthy fat and protein by offering mixed nuts. Raw and unsalted nuts will be better for your staff’s health, but offering some roasted or salted options can help mix things up.

Sandwich or rice cake bar

Looking for something customizable? Consider setting up a whole wheat sandwich or brown rice cake bar. Your team can then load up their grain of choice with peanut butter, sliced bananas, or their other favorite toppings.

Water

Switch out the sugary drinks and caffeinated beverages for bottled water. Even being a little dehydrated can wreck havoc with our concentration and energy, so be sure to sip on water throughout the day.

So you can focus on feeding your team, let us focus on covering your team. To learn more about how our Employee Benefit  programs and products have been serving Oregon business owners since 1966 contact Fullhart Insurance today.

Don’t forget home insurance costs when home buying

It’s easy to get caught up in the “how much house can I afford” game when you begin your quest to become a homeowner. But don’t forget to factor in the cost of things like property taxes and homeowner’s insurance when purchasing a new home.

On a home valued at $230,000, you can expect to pay $300-$1,500 per year in certain states for insurance; this is in addition to your mortgage payment and taxes. The same $230,000 home could cost over $5,000 annually to insure if it’s on the coast and at high risk for tsunami, loan provisions potentially require mandatory flood insurance. Homeowner’s insurance costs vary greatly from state to state, with the average policy running at around $800 annually.

Be sure to keep that in mind as you shop, and make sure you get multiple quotes from different providers, just as you would a mortgage. As an independent agency, we are appointed with several top rated carriers and can do the insurance shopping for you. Typically, homeowner’s insurance costs are overlooked as borrowers focus on the bigger things like the mortgage.

So what are you getting for the money anyways? The standard homeowner’s insurance policy is separated into two basic categories of coverage: property and liability. These two categories are further broken down into six separate types of coverage. Many more options or additions can be purchased if necessary.

PROPERTY COVERAGE

  1. Coverage A – This covers your “dwelling” or the actual house. You want to insure your house for it’s full value at “replacement cost.” Settle for nothing less.
  2. Coverage B – “Other Structures” insures structures not attached to your home. Picture a detached garage or a shed, which can be connected by a fence or utility line. On most policies, you will be insured for 10% of your coverage “A” amount. If your house is insured for $200,000, your shed is insured for an additional $20,000.
  3. Coverage C – Personal Property or contents. This is your “stuff.” On most policies, you are insured for 50% of coverage “A” under this section (in addition to the “A” and “B” limits, totaling $320,000 for property damage on your policy. This concept is known as “stacking” coverage.
  4. Coverage D – Loss of Use. Loss of use coverage will pay your additional living expenses in the event your home is deemed unlivable as a result of a covered claim (a fire for example). On most policies, if your normal living expenses are $1,500 per month and they are increased to $2,200 per month as a result of your house burning down, the insurance company will pay ONLY the $700 difference until your house is repaired or you have found new living quarters, whichever occurs first.

LIABILITY COVERAGE

  1. Coverage E – Personal Liability. Your insurance company will pay up to the policy limits for damages you’re liable for. Picture someone slipping on your icy driveway and injuring themselves then sueing you for neglegence.
  2. Coverage F – Medical Payments to Others – This coverage is intended to keep you from being sued. Perhaps your dog bites the neighbor’s kid. This coverage will pay for resulting medical bills without having to prove “fault.” It is good will gesture coverage for when accidents happen. Of course, if your neighbor is not satisfied, they retain the option to sue you.

Always secure the reliable protection that will leave your home and belongings safe. Get started on your home insurance policy that will protect your future and finances – Call us today!

How to Conduct Your Home Inventory

Part of keeping your home safe is protecting it with reliable homeowners insurance.

You may think that you know exactly what is in your home. However, when it comes to the aftermath of a disaster, and you have to list which items you’ve lost, valuing your personal property from memory is harder than you think.

For this reason, home insurers ask homeowners to complete a thorough home inventory of all possessions. By having a physical list and photographic evidence of home contents, insurers can match coverage to the value of items accurately. Also, filing a claim is made that much simpler!

Here’s how to get started!

Put It On Paper (Download our home inventory checklist here!)

Write down a list of all of your belongings. The written description should include the date of purchase, original cost, and any improvements. Write down serial numbers for TVs, computers, and electronics, as well as keeping receipts along with the paperwork. As you sell or buy new belongings, ensure to add or remove the items from this list.

Shoot It

If you have a video camera, use it to establish additional documentation of your home and belongings for insurance purposes. Recording valuable items may be used as evidence in the case of theft, fire, or damage. As a rule of thumb, scan all rooms, shoot close-ups of all valuable items, and provide auto-commentary of details that may not be visually apparent. Store this tape in a locked file cabinet and upload it to the computer so that you have a digital copy.

Store It

Once you’ve captured all of your belongings on video and paper, you’ll want to store these files safely. If your home burns down, a home inventory will be of little use if it burns down with it. First, make a digital copy of both and email them to yourself. Secondly, keep the papers and video film in a fireproof box safely in the home or outside of the property.

Update It

Once you have established a complete inventory of your property, it should be easy to update it periodically.

Now that your home inventory is complete, contact Fullhart Insurance today to get your reliable Oregon homeowners insurance.

Tips for Buying Business Insurance

Shopping for your business’s insurance policy? Here’s what you need to consider first.

No two businesses are alike. Similarly, no two companies share the same risks and threats that can impact the stability, finances, and staff. Buying business insurance for your small company can be a frustrating process. Finding the right policy can feel like you’re looking for a needle in the haystack. In actuality, giving up and settling for a mediocre policy can do more damage to your business than it can good. Working with our team of independent commercial insurance agents will ease the burden of insurance shopping because we do the insurance shopping for you!

Before you select one with a low premium and minimum coverage, here’s what you need to know about buying business insurance.

Look past the premium.

Expenses are important to your business, and you will want to keep to a minimum. For small business owners with limited budgets, it can be tempting to make a decision based on the price. Keep in mind that you’re purchasing insurance to protect your business. Always look at a policy to ensure that it doesn’t leave out coverage you may want later on and that it has high enough limits to suit your company.

Evaluate the policy for gaps.

The defining details of each policy are inclusions (covered events) and exclusions (events that your insurance won’t account for). Pay attention to these items because they determine the terms of your coverage. For instance, when reviewing coverage for commercial auto insurance you’ll want to check that you have insurance for bodily injuries, property damage liability, collision coverage, uninsured motorist coverage, and personal injury protection.

Understand limits and deductibles.

Your policy limits are the stated amount that your insurance provider will pay for a specific event, instance, or claim. Your limits ultimately decide the extent of protection your business receives for liability lawsuits and other losses. While you check your limits, ensure that your deductibles are well within your business’s monthly budget.

Skip the search of finding the right business insurance in your area to suit your needs – contact Fullhart Insurance to find out how our policies can meet your business’ needs.

Your Small Business Guide to Avoiding Discrimination and Harassment in the Workplace

Keep your business clear of discrimination and harassment in the workplace.

As an employer, you have the responsibility to maintain a workplace that is free of discrimination and harassment. Not only is this your legal obligation, but it also makes good business sense. If you allow prejudice and violations in the workplace, you will pay a high price in poor employee morale, low productivity, and lawsuits. Most businesses can’t afford the cost of any legal claim, let alone an employment practices liability claim, one of the most costly disputes around. Luckily, there are ways to stay on the right side of the law and avoid discrimination and harassment in the workplace.

Recruit and Hire Correctly
It’s illegal to bar certain individuals or groups of people from employment based on race, color, sex, national origin, religion, age, or disability. Your job postings should not contain discriminatory language and should not hint at discrimination.

Be Fair with Dismissals
While there’s nothing wrong with dismissing an employee for legitimate reasons, ‘wrongful termination’ is something to consider. If an employee feels that he or she has been terminated on unfair or prejudice grounds, he or she could file a suit.

Create Written Criteria
Before you make major decisions within the business, make sure you write out criteria on how you plan to evaluate applicants and employees. That way, you’ll have a physical document to guide your decisions and justify your choices if someone questions your motives.

Adopt Clear Harassment Policies
You can’t enforce your business’ harassment policy if it’s not written out. Your policy should clearly state that harassment of any kind won’t be tolerated. All policies should outline disciplinary procedures, instructions on how to file a claim, and details about how an investigation will be documented.

Train Your Team
The best way to avoid harassment and discrimination in the workplace is to teach your team that it is not okay. Ask every member of your team to undergo workplace harassment training, and always intervene if a situation calls for it!

Issues occur all too easily these days. Fortunately, safeguarding your company has never been easier! At Fullhart Insurance, we work with you to understand your risks, exposures, and insurance protection. Visit our team today to get started on securing your policy! To learn more about HR Insights on discrimination and sexual harassment, click here! We always recommend protecting your business form harassment claims with an Employment Practices Liability Insurance (EPLI) Policy.

Insuring a Coupe vs. a Sedan

Decide on which ride is best for you.

Don’t ever judge a book by its cover! Conventional wisdom might suggest that a bright and attractive coupe might be more to insure than your run-of-the-mill family sedan. However, it’s always important to remember that a lot more goes into calculating car insurance premiums. Aesthetics are just the tip of the iceberg; statistics play a heavy part, as well.

What’s the difference between a coupe and sedan?

This definition is actually fairly simple! A sedan is typically referring to a vehicle with four doors, while a coupe suggests just having two doors. The word coupe actually stems from the French word for “cut” referring to the traditional way that original coupes “cut out” the rear seating areas completely.

Recent coupe models now have the best of both worlds.

They have two rows of seating while also keeping the sleek two-door appearance that drivers love. The coupe is starting to change to appeal to a larger market by increasing backseat legroom. However, sedans almost always offer a roomier backseat than its counterpart.

How well does your car protect its riders?

A car’s safety features can help keep passengers safe while also helping you cash in on discounts on your premium. The idea that you’ll be less likely injured in a crash is both important to you and your insurance company. Theoretically, if your coupe tends to protect passengers more efficiently than a rival sedan, the coupe could pay less for coverage.

How expensive is it to repair or replace your vehicle?

Accidents are far more common than we’d like to admit. It’s the insurance provider’s responsibility to try to make things correct again. Because of that, insurers will consider how pricey repair and replacement costs may be after a major accident. Whether it’s a coupe or sedan is less important than the overall cost of replacement.

Now that you know what type of factors play into the cost of insurance, be sure that you secure the right policy for your needs. At Fullhart Insurance, we’re dedicated to giving each driver the coverage they can count on. Visit us today to get started.

Use These Activities Throughout the Portland Area to Celebrate Father’s Day

Use These Activities Throughout the Portland Area to Celebrate Father’s DayCelebrate your dad for Father’s Day with these activities around Portland.

Father’s Day is here and it’s time to show your dad how much he’s appreciated. From imparting hiss wisdom to teaching you how to ride a bike, your dad has always been there for you. Celebrate your father in honor of the occasion. Check out these ways to celebrate your dad in the Portland area.

Go to Brunch.

Celebrate Father’s Day with a delicious meal. Make reservations at your dad’s favorite restaurant or choose one of Portland’s hottest restaurants to celebrate the big day. From pancakes to farm fresh eggs, brunch is the perfect way to spend quality time with your dad.

Explore the Great Outdoors.

Take advantage of the warmer weather and spend the day exploring one of Portland’s hiking trails. The peace and tranquility of nature serves as the perfect backdrop to spend quality time with your dad.

Check Out a Local Festival.

Summer is right around the corner, and along with it comes plenty of festivals. Attend a local festival with your dad to celebrate Father’s Day. From the Berry Festival to the Oregon Garden Brewfest, there are lots of ways in which you can explore the city with your dad.

Go for a Run.

Be health conscious this Father’s Day and participate in the Grateful Dad Run. Whether you’re interested in running a 5k, 10K, or half marathon, this run offers fun for the whole family. Get decked out in your finest dad’s day gear and enjoy a run along the Columbia River.

Have a Happy Father’s Day! Give your dad the gift of security with the right personal insurance policies. For assistance with your insurance, contact the professionals at Fullhart Insurance Agency. Serving all of Waldport, Reedsport, Sisters, Tigard, Oregon, and the surrounding areas we serve all your personal and commercial insurance needs.