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You probably know the Midwest as the breadbasket of the country, but do you know about its earthquake history? Should that concern you? If you live in the Midwest or the East, scientists and history suggest it should. THE PAST In the early 1800s, three of the most powerful earthquakes in U.S. history hit New Madrid, Missouri. The New Madrid fault area includes northeast Arkansas, southeast Missouri, western Tennessee, western Kentucky and southern Illinois. With the epicenter in Missouri, damage was reported as far away as South Carolina and Massachusetts.[.....]

The post Earthquakes in the breadbasket? Understand the risk appeared first on The Cincinnati Insurance Companies blog.

Fires are a significant hazard on construction sites. A November 2014 National Fire Protection Association report found that between 2007 and 2011, U.S. fire departments responded to an average of 5,120 structure fires in residential properties that were either under construction or undergoing major renovation. Each year, those fires led to an average of nine deaths, 94 injuries and $265 million in direct property damage. Firefighter deaths and injuries are not included in those statistics. But proper planning and monitoring can improve your chances of completing a project without incident.[.....]

The post Fire danger in the construction zone appeared first on The Cincinnati Insurance Companies blog.

Losses that occur on property you own can affect your livelihood and that of your tenants. They also can affect your insurance rates and eligibility. Without the proper controls in place, you could be saddled with the responsibility of owing for injury or damages that you did not cause. RECOGNIZE THE RISKS When you understand the risks you face as a property owner and lessor, you can better manage them. Consider these scenarios: Natural perils – A tornado sweeps through town, damaging your building and your tenants’ contents. Fire –[.....]

The post Business tips: Controlling risks for property owners appeared first on The Cincinnati Insurance Companies blog.

Millions of Americans may be in danger from defective electrical equipment in their homes, yet may not be aware of the risk. If you reside in a home with electrical circuit breakers and panels installed in the mid-1950s through the early 1980s, have your equipment inspected and replaced, if necessary. During that period, Federal Electric, later known as Federal Pacific Electric Co. (FPE), manufactured electrical distribution equipment, including STAB-LOK circuit breakers and panels. A circuit breaker is designed to cut off the flow of electricity when there is excessive electrical demand[.....]

The post Consumer alert: Check your circuit breaker appeared first on The Cincinnati Insurance Companies blog.

How much does life insurance cost? Probably a lot less than you think. A recent LIMRA study found that 63 percent of consumers polled indicated that life insurance was too expensive, yet 80 percent of consumers overestimate its cost by nearly threefold. LIMRA is a leading insurance and financial services trade association. Today’s consumers have many sources of data at our disposal. We can research everything from pots to pains, yet many of us make incorrect assumptions about one of the most important and basic decisions concerning our family’s financial[.....]

The post Life insurance may be cheaper than you think appeared first on The Cincinnati Insurance Companies blog.