Extreme weather events, such as hail, wildfires, high winds and flooding can cause severe damage to your vehicle. Understanding how to file a weather-related damage claim can make it easier for you to be reimbursed for vehicular damage. Read on for further guidance.

Sports can be an exhilarating aspect of camp, and they can promote exercise along with valuable skills like teamwork and leadership. However, these activities present various health and safety risks. As a camp counselor, you need to properly prepare for these activities to help ensure they are safe and fun.

Being in, on and around water can be an exciting part of camp, whether it entails boating, swimming or participating in another aquatic activity. As a camp counselor, you need to be aware of the dangers water presents so you can keep campers safe while they are having fun.

Groundskeeping can be hazardous work. Weather, noise, equipment, insects and chemicals can all pose risks—such as physical injuries from accidents or health complications from repeated exposure to noise levels and toxic inhalants—amid groundskeeping tasks. Fortunately, you can take the following precautions to prevent injuries while performing groundskeeping work at camp.

Going out on a nonmotorized boat can be an exciting camp experience. However, as a camp counselor, you must ensure that campers stay safe while engaging in this activity. Being aware of the dangers associated with boating can help you properly prepare for and respond to its associated risks.

For many summer and day camps, 15-passenger vans are invaluable as they can help transport large groups of campers. However, they also carry unique risks that can be potentially deadly without proper precautions in place.

Part of being a responsible car owner is having a robust insurance policy that helps provide financial protection. One such coverage is uninsured/underinsured motorist (UM/UIM) insurance. This may help cover car repairs and medical costs for you and your passenger if the driver at fault doesn’t have enough insurance or any auto insurance at all.

Water damage is one of the most common reasons for homeowners to make an insurance claim. But does homeowners insurance typically cover water damage? The answer depends on the specific policy and the cause of the damage.

When you drive larger camp vehicles, such as passenger vans or buses, you may encounter various safety hazards on the road as well as passenger distractions behind the wheel. Fortunately, you can take care of yourself and your passengers by practicing the following safe driving measures.

When working at a summer or day camp, you may be responsible for conducting various kitchen tasks, such as preparing and cooking food and serving meals to campers. While these activities can certainly be rewarding, they also pose potential dangers. After all, kitchen operations carry a wide range of hazards and can lead to numerous injuries and incidents, including cuts, sprains, fires and food contamination concerns.

Slips, trips and falls can happen within any workplace. In fact, the U.S. Bureau of Labor Statistics reported that 18% of nonfatal occupational injuries resulting in days away from work stem from such incidents. Summer and day camps are no exception to these findings. With this in mind, it’s important for camp counselors like you to take steps to prevent slips, trips and falls on the job.

The long and warm days of summer can be fun and exciting, but while these conditions may be enjoyable, they can also be hazardous to your health. Prolonged exposure to the sun can have a particularly dangerous impact on both your short- and long-term health, including damaged skin, sunburn and skin cancer. Given these potentially severe consequences, it’s necessary to understand basic precautions while out in the sun.

An auto insurance policy encompasses many coverages that work together to help provide financial protection. One such coverage is uninsured/underinsured motorist (UM/UIM) insurance. This may help cover car repairs and medical costs for you and your passenger if the driver at fault doesn’t have enough insurance or doesn’t have auto insurance at all.

There has been a significant ransomware resurgence in 2023, with the number of victims in March 2023 nearly double that of April 2022 and 1.6 times higher than the peak month of 2022, according to the Ransomware Threat Landscape 2023 report from Black Kite.

A report from the National Council on Compensation Insurance (NCCI) examining countrywide medical cost trends revealed that health care facility services costs accounted for 40% of workers’ compensation expenses during 2021 and increased by an average of 3% throughout the past decade.

When working as a camp counselor, you will likely encounter youth campers of various ages. And whether these campers are toddlers or teenagers, there’s always a possibility for conflicts to arise. Depending on campers’ developmental stages, such conflicts could be triggered by disagreements with others, difficulties adjusting to new environments or general feelings of discomfort (e.g., hunger and fatigue).

Nearly 50 million people across the United States have an allergy of some kind, according to the American Academy of Allergy, Asthma and Immunology. As such, allergic reactions are a significant threat at any summer or day camp. While some reactions are accompanied by minor symptoms, others can be life-threatening.

Electric vehicles (EVs) have electric motors instead of internal combustion engines and batteries instead of gasoline tanks. They produce no tailpipe emissions and can be charged with renewable energy (e.g., wind or solar). An EV may be the right choice for drivers looking to lower their fuel costs.

Your credit score can play a significant role in your financial well-being. Many financial institutions will look at your credit score when you apply for a loan, a mortgage or a credit card. A low credit score could make it more difficult for you to borrow money or open a credit card account. It could also contribute to higher interest rates and higher insurance premiums.

To help minimize growing inflation concerns that have spanned across industry lines over the past few years, the Federal Reserve (Fed) has steadily been hiking up interest rates. Economic experts predict the Fed’s efforts will eventually pay off in 2023, with inflation issues subsiding throughout the year.