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To Be Class Rated or Not To Be, Rule 85: Part 5 of Commercial Lines Rating Series

Posted by Terry Krueger on September 17, 2019

Can your commercial risk be rated on a class basis, or must it be specifically rated? Rule 85 will tell you.

To help you understand when you need to order an inspection to get a specific loss cost, we've updated one of our most popular blog posts. Read on to learn more about Rule 85 and how to apply it.

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Topics: Building Construction, Commercial Rating

The Mystery of the Missing 13th Floor

Posted by Robert Lacy on September 10, 2019

This Friday is the 13th, so we've updated one of our most popular blog posts. Read on to learn more about why so many buildings don't have a 13th floor.

Throughout history, the number 13 is associated with bad luck and a sense of impending doom. There’s even a term for extreme fear of the number: triskaidekaphobia which if you try to say that out loud, it might be unlucky for your tongue.

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Topics: Building Construction

To Get the Right Data, Start in the Right Place: Part 1

Posted by Chris Jansen on August 27, 2019

Thanks to two television series (and a third one in the works), 90210 is perhaps the most famous ZIP code. The tens of thousands of other ZIP codes toil in relative obscurity but are no less important to not just mail delivery but also a wide variety of other business functions.

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Topics: Insurance underwriting, loss cost, PropertyEDGE™, fire protection classes, GIS Mapping, Risk Assessment

Preserve the Summer Fun: Prevent Rooftop Deck Fires

Posted by Daryl Girnus on August 20, 2019

A warm summer’s evening spent enjoying the Seattle skyline, a grilled feast and the company of good friends. When residents move into apartment and condominium buildings with rooftop decks, that’s the scene playing in their minds. Most of the time, that’s also the reality, at least when the weather cooperates.  

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Topics: Home safety, Washington state, Home Fire Protection, Hazards

Smoke Alarms are Getting Smarter, Less Annoying

Posted by Robert Ferrell on August 13, 2019

It’s unfortunate but true: people get fed up with smoke alarms and disable them. Most often — 73% of the time1we simply want to stop nuisance alarms caused by burned food. If people forget to re-enable the alarm, though, they’re putting themselves and property at risk.  

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Topics: Home safety, Home Fire Protection

What is Covered and When to Use the Special Causes of Loss Form, Part 8 in the Commercial Lines Rating Series

Posted by Terry Krueger on July 30, 2019

Insurance is always changing, so we have updated our post on the Special Causes of Loss form, part of our series on the basics of Commercial Rating. We've also updated our posts on the Basic and Broad Causes of Loss forms. Since each post builds on the previous one, we encourage you to read the series from the beginning.

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Topics: Building Construction, Commercial Rating

Help Homeowners Prevent Water-Related Property Damage

Posted by Bryan Stanwood on July 16, 2019

Sometimes, a small investment in home maintenance can prevent thousands of dollars in damage if something breaks. And, as insurers know, something will eventually break. 

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Topics: Home safety, insurance, insurance agents, home owners insurance

If Fire Strikes, Make Every Second Count: Part 3

Posted by Daryl Girnus on July 9, 2019

It’s easy to overlook fire hydrants — until a fire starts. Then hydrants become crucial. Without them, firefighters are less effective at saving your home or business.  Although firefighters carry water on their trucks, it may not be enough to put out a large fire.

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Topics: Home safety, Disaster preparedness, fire hydrants, fire departments, Home Fire Protection

Keep Your Independence Day Safe

Posted by Robert Ferrell on June 26, 2019

It’s nearly here: the Fourth of July. Time to celebrate freedom with friends, family, fireworks and food. It’s also time to remember that two of the best parts of Independence Day  grilling and fireworks — create fire risk. Let’s explore how you can protect yourself and those you care about so your holiday is fun and safe. 

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Topics: Home safety, Holidays, Home Fire Protection

If Fire Strikes, Make Every Second Count: Part 2

Posted by Daryl Girnus on June 18, 2019

No one wants to contemplate what it would be like to have their home catch on fire, but if yours does, you’ll want firefighters to extinguish the flames as quickly as possible. Fortunately, you can help firefighters respond swiftly. In fact, one of the biggest factors affecting firefighters’ speed in putting out a home fire is what you do long before a fire sparks. Taking a little time now could make a huge difference later, reducing property damage and possibly saving lives.  

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Topics: Home safety, Washington state, Disaster preparedness, fire departments, Home Fire Protection