Indoor allergens can easily trigger symptoms for many seasonal allergy sufferers. Allergens are carried through the air and can be found on just about any surface around the house. It is impossible to keep a home 100% allergen-free, but there are certain things you can do to help reduce the number of allergens you’re exposed […] Read More

Posted by Tim Sine in: Homeowners Insurance

Tagged: Allergen Allergen Removal Allergens in your home Spring Allergens

If someone becomes injured at your home due to any kind of unintentional mishap, the liability provision of your homeowners’ insurance policy generally will cover any personal injury claim. Even if your guest files a personal injury lawsuit against you, you’re still entitled to protection under your policy. Here is what to do if there […] Read More

Posted by Tim Sine in: Homeowners Insurance

Tagged: Home Insurance Home Insurance Coverage Homeowner Liability Injured Guest Injury Liability

A productive accident investigation focuses on identifying flaws in the process leading up to the incident and the safety procedures that were meant to prevent it from occurring. The goal is to implement the knowledge you gain to prevent another incident from occurring in the future.  Immediate Response  First, notify emergency responders, attend to injuries […] Read More

Posted by Tim Sine in: Workers Compensation

Tagged: Accident Investigation Workers Comp Workers Compensation

The Occupational Safety and Health Administration (OSHA) monitors job-related injuries and disciplines employers with higher injury rates than other employers in their industries. Employees often are reluctant to report injuries at work since they fear repercussions. However, it’s vital to encourage employees to report injuries because when they are not reported, dangerous situations and practices […] Read More

Posted by Tim Sine in: Business Insurance

Tagged: Employee Risk Management Employee Safety Program Workers Compensation

In the frigid winter months, whether you’ll have to deal with frozen pipes is not a question of “if” but “when”. If you’ve found that your pipes have frozen over, thawing them out safely is crucial to ensure that you do not cause further damage to your pipes or even your home. How you thaw […] Read More

Posted by Tim Sine in: blog Homeowners Insurance

Tagged: Frozen Pipes home insurance MO Homeowners Insurance homeowners insurance MO Winter Home Safety

Perfection isn’t a reality, which is why liability insurance is important. You can avoid financial ruin if you accidentally cause major injuries or property damage to others. The problem is, your insurance isn’t perfect, either. That’s where a personal umbrella insurance policy comes in. If you’re sued for damages that exceed the liability limits of […] Read More

Posted by Tim Sine in: blog

Tagged: Personal Insurance Personal Umbrella Insurance Sine Insurance Umbrella Insurance

When the winter chill sets in, most homeowners utilize a variety of heating sources, such as space heaters, wood-burning fires, or create a cozy ambiance of candles. But safety should be top of mind when these are used since they pose a risk as potential fire hazards. Keep your family and home safe this winter […] Read More

Posted by Tim Sine in: blog Homeowners Insurance

Tagged: Heater Safety home insurance MO Homeowners Insurance homeowners insurance MO Personal Insurance Sine Insurance Winter Home Safety

If you’re like most people, you’ve probably set at least one New Year’s resolution to better yourself in 2020. Your vehicle’s well-being can be part of your resolution too! After all, it will be what gets you to where you need for many other goals. Consider these auto maintenance tips this New Year to help […] Read More

Posted by Tim Sine in: Auto Insurance blog

Tagged: Annual Car Maintenance Auto Insurance Car Insurance Car Maintenance Tips Personal Insurance

Winter months can be hard on everyone when it comes to the weather. Although the snow can be very beautiful, it can be just as dangerous. As we move into the blizzard season, you will want to protect your apartment by preparing for bad weather. Plan!  Having a well-established plan in place before there’s a […] Read More

Posted by Tim Sine in: blog Renters Insurance

Tagged: renters insurance Renters insurance in MO renters insurance MO Sine Insurance Group Winter Apartment Winter Apartment Prep