October 2011
In This Issue
Prepare your Home for Winter
Upcoming Seminar
   

Insurance

 
Property 
 
 
General Liability 
 
 
Professional Liability 
 
Directors & Officers Liability 
 
Automobile 
 
Workers Comp 
 
Umbrella 
 
Home 
 
Auto 
 
Recreational Vehicles
  
Bonds 
 
Life & Disability 
 
 
Group Health
 
 
401K 
 
Investment & Retirement Planning


 

  

Risk Management Services

 

 

Web Based Safety Training
  
Pre-employment Screening
 

OSHA Compliance
 

My Wave 

 
 CompClaims Online
 

Disaster Planning
 

Safety Procedures
 

Safety Program Planning

Quick Links

 

EMA Website
 
OSHA Website
 
CDC Website









Prepare your Home for Winter  

As the warm days of summer are replaced by the colder winds of autumn preparing your home for the inevitable arrival of winter's cold and snow becomes a priority.  Here are 10 suggestions to help prepare your home for the coming winter months:
  • Heating System - Have your heating system inspected by a professional to ensure it is operating safely and efficiently.
  • Chimney Flue - The flue should be inspected and cleaned if a buildup of creosote is present.
  • Insulation - Consider adding more insulation to attic areas.  Inadequate insulation allows heat to escape your home.
  • Leaks - Make sure windows, doors, and electrical outlets are effectively sealed.  On a windy days, go around the inside of your home to determine if you can feel any air leaks.
  • Gutters - Clean out gutters and downspouts so that they will effectively drain water away from your foundation.
  • Detectors - Replace batteries of smoke, heat and carbon monoxide detectors to ensure they are working property.
  • Pipes - Wrap exposed water pipes with insulation to avoid freezing and bursting.
  • Thermostat - A great winterizing task would be installing a programmable thermostat that allows you to have a heating schedule for your home.  You may program it to be cooler at night or when everyone is at work or school, and warmer during the day when people are home.
  • Snow Removal Equipment - Service or tune-up snow blowers.  Make sure you have a good sturdy snow shovel.  The first snowfall will  sneak up on you; be ready for it.
  • Emergency Kit - Don't be caught without essentials in the event of a power outage.  Prepare a kit to include candles, matches, batteries, bottled water, non-perishable foods, blankets, emergency phone numbers,  first aid supplies, etc.  
Upcoming Seminar


Workers' Compensation Cost Containment Strategies




Thursday December 8, 2011 (Lansing)

    

 

This presentation will utilize an open discussion format to address what manufacturers need to know to contain their Workers' Compensation costs.  Participants will learn how manufacturers who practice a  proactive safety culture realize lower Workers' Compensation costs and how to implement that culture at their company.

 

 

Topics to be Discussed

  • Direct and indirect costs related to work related injuries
  • Safety policy and procedures
  • Controlling your Experience Modification Factor
  • Effective Return to Work Programs
  • Employee demographics
  • Reporting and investigating accidents

 

For more information please visit the website:

 

www.mma-net.org 

 

 

 

Remember, We Are Always Looking for Referrals!

We will send you a small Thank You gift for each referral we receive. 

Welcome Aboard

 

We are pleased to announce that Laura Matte has joined our agency as the Personal Lines Insurance Service Representative.  Laura brings with her over 25 years of insurance experience and knowledge.  We are confident that Laura will be able to service your needs.  Please contact Laura today for a quote on your home, auto, boat, motorcycle, and umbrella!

 
 Contact Us Today for a Quote!

Eastern Michigan Agencies
24220 Jefferson Avenue
St Clair Shores MI 48080 
586-778-9900