News & Events

Your home is one of the biggest investments you likely to make so it is important that you protect your investment with solid hole insurance. Beck Insurance is an independent agent and can help you with solid home insurance in Maumee, Montpelier OH, Perrysburg, Toledo or Wauseon OH. Just because you have a homeowner’s policy does not mean there are no gaps. For example, if own a condo or town home you should be aware of what is covered by the body corporate and what you need to cover.

Whether you own a freestanding home, a flat, a condo, a penthouse, a vacation home or a home under construction, you need proper home insurance. Even if you are renting, you still have valuables that need to be covered. You landlords policy won’t cover your losses or your liabilities.

Every insurance policy has exclusions and limitations. Your homeowner’s insurance wont cover every event or eventuality.  There are also limits to how much your insurance will pay in the event of a calamity. Some exclusions can be quite serious and you need to be aware of them. For example, does your policy include flood insurance?  Its too late when the storm surge hits to find out you don’t have flood insurance. Certain events such as floods, earthquakes and other disasters can be covered with supplemental policies.

Your home insurance will also have limits with respect to high end items such as jewelry, fine art and other collections. You also need to know if you are insured for the replacement value of your home and possessions.

It is a good idea to discuss your insurance need with a professional such as a consultant at Beck Insurance agency. That way you can have peace of mind that your home and insurance policies are good and proper.

Home Insurance and Auto Insurance in Toledo, Maumec, and Perrysburg OH. Offering Life Insurance, Motorcycle Insurance, Business Insurance, Long Term Care Insurance in Wauseon.

Beck Insurance is an independent agent and can help you with reliable auto insurance in Bryan OH, Defiance OH, Maumee, Perrysburg, Sylvania OH or Toledo. If you own or drive a car in Ohio, then some form of car insurance is compulsory. But just because you have an auto insurance policy does not mean you are covered for all risks and events. You might have a balance of 3^rd party policy or might have a policy that only covers liabilities and collision damage. You might be surprised to learn your auto insurance policy has gaps so wide you can drive your car through them.

If you want auto insurance that.is good and proper, then you should consult with an independent agent such Beck Insurance.  They offer solid auto insurance that covers your car, boat, motorcycle or RV. They also cover you.  Simply having some discount auto insurance policy does not mean you are properly covered. Beck Insurance will help you with affordable auto insurance that does not have scary gaps.

A solid auto insurance policy should offer you the following:

3^rd Party or liability insurance. This part of car insurance covers you should a 3^rd party sue you for property damage or bodily injury pursuant to road accident caused by you. This type of car insurance is compulsory and don’t want to be caught without it.

 Uninsured / under insured liability. Should you be involved in a collision with an uninsured or underinsured driver you won’t be able to recover your losses unless you have this type of coverage.

Collision insurance: If your vehicle is damaged or totalled in a collision or road accident you will be left without wheels and transport. Collision insurance will pay for the repairs to or replacement of your vehicle. You also need to be sure your insurance will settle the bank should your vehicle be financed to through hire purchase or lease.

Comprehensive: This type of insurance covers you for damage resulting from events other than a road accident. This could be storm damage, auto theft, vandalism and so on.

Auto Insurance and Home Insurance in Bryan, Definance, and Maumec OH. Offering Life Insurance, Motorcycle Insurance, Business Insurance, Long Term Care Insurance in Perrysburg.

The 2017 Medicare Open Enrollment Period is fast coming to an end. The last day to shop and compare plans this year is December 7th. Please contact Beck Insurance today to secure your appointment.  We are now down to ten days left!

Most of us who carry the responsibility of on-site construction projects know efficiency is critical to staying on schedule and budget.

Years ago, many contractors would send a laborer to the job site before the carpenters would arrive to roll out the electrical cords as part of the daily set-up process. Not using more expensive man hours for set-up work saved time and money. Today, cordless tools are often used instead.

In 1961, Black & Decker unveiled the first cordless power tool and, in the mid-60s, NASA started using battery-powered tools for their space programs, including a cordless rotary hammer drill for the Apollo moon program. Because these cordless power tools were designed for a zero-gravity environment, the weight of the batteries was not an issue.

It wasn’t until the early 90s that I began trying battery-powered drills for the type of work I was doing. At that time, the batteries weren’t developed enough for me to be completely sold on cordless power tools. The 9.6-volt batteries were heavy, they had a long charging cycle time, they needed to be charged often, they got hot, the overall life expectancy was short, and replacement of the batteries was expensive. It wasn’t until the mid-2000s—when 18-volt and 24-volt batteries were available for screw guns, impacts wrenches, grinders, and skill saws—that cordless tools began to see everyday use on my job sites.

Since those times, battery technology in both lithium-ion (Li-ion) and nickel cadmium (NiCd) has come a long way, prompting manufacturers to produce many other cordless tools, including miter and reciprocating saws, shop vacuums, nail guns, concrete vibrators, and even table saws that run off a 60-volt lithium-ion battery. Yet, despite advances in technology, there continues to be a debate between cordless and corded tools and which are better.

I believe the better option differs depending on the work that needs to be done, the type of tool that will be used, and convenience factors. Below are some considerations when deciding between cordless and corded tools.

1.The up-front cost of cordless tools has to be evaluated, but any tool that can save labor hours is likely worth the investment.

2.Corded tools often require a powered extension cord. Repeatedly rolling out and rolling up extension cords takes time. In addition, electrical cords can be a tripping hazard, and blades or bits could damage cords and cause injury.

3.Cordless tools improve mobility, making it easier to move freely around a job site.

4.Today’s cordless tools have longer operating cycles, and downtime can be nearly eliminated by having one or two backup batteries on a charger.

5.Cordless tools often come with their own storage containers, making storage in trucks and gang boxes more convenient.

6.Corded tools maintain continuous torque and power, which can be an advantage for some jobs, such as drilling several large holes in concrete, using a concrete breaker, or ripping large quantities of lumber with a skill saw.

With so many manufacturers in the power tool industry, it’s important to do your research before making a purchase. If you have experience using cordless power tools on job sites and would like to share your opinion, please feel free to do so. Construction workers who do the hands-on work are those we can learn the most from.

Contact Beck Insurance Agency today for help on your contractors insurance and coverage.

Sources:

https://www.nasa.gov/offices/ipp/home/myth_tools.html

https://www.acuity.com/acuity-focus/2017/contractor-focus/cordless-vs.-corded-tools-on-the-job-site?utm_source=Facebook&utm_medium=Social&utm_content=cordless-vs-corded-tools&utm_campaign=social_construction_2017&__prclt=r7DN2WMy

In preparation for tonight’s big I-75 Rivalry game between the University of Toledo and the Bowling Green State University!

Tailgating before a game is a longstanding tradition. The right pregame food, drinks, music, and games help get everyone in the spirit to cheer on their team. When thousands of enthusiastic people gather in one place, what could go wrong?

Unfortunately, plenty. Someone could get injured, your car could get vandalized, or you could end up with food poisoning. We at Acuity want to help take the worry out of tailgating so you can enjoy the event—even if your team loses.

Whether you’re a tailgating rookie or a seasoned veteran, here are some tips to make your next tailgating experience a safe and fun one.

•Set the time and place. Notify your friends and family when and where you are going to set up. Check with the stadium in advance to see what time the gates open. Before heading into the game, make sure everyone in your group is aware of your meeting spot in case anyone is separated by the crowd.

•Prepare food and supplies. Packing food and supplies ahead of time will help make sure you and your crew are ready to go. Fill a cooler with plenty of ice to keep drinks cool and perishable food safe to eat. Napkins, plates, and tablecloths are essential. Don’t forget grilling and serving utensils!

•Safety first. Hand sanitizer should always be on your list. If grilling, make sure your grill is clean before you go, and bring along a fire extinguisher. Ensure coals are completely cooled before disposing of them. Perishable food that wasn’t eaten should be placed in the cooler or thrown away before going into the stadium.

•Check the forecast. Depending on the weather, you may need an umbrella (tonight for sure!) or ponchos, sunscreen, or insect repellent. Dress appropriately so you are comfortable before, during, and after the game.

•Select a designated driver. Don’t drink and drive or let anyone else do so.

•Hide valuables. To help prevent theft, remove or hide any valuable items in your car.

•Leave safely. Make sure all items are cleaned up before the game starts and before driving away. A flat tire is never fun.

See you at the game!

Lisa D 10/24/2017 / Acuity Focus https://www.acuity.com/acuity-focus/2017/acuity-focus/7-tailgating-tips-for-your-next-tailgate-party