Otterstedt Insurance Agency Blog | Insurance Questions Answered

6 Tips To Avoid Driving Distractions & Focus On The Road

Written on October 30, 2018.

Health ailments aren’t the only thing claiming lives. Studies have revealed that road-related deaths are becoming so common that they’ve reached epidemic levels. According to research, approximately 9 Americans die each day from automobile accidents. In 2016, there were more than 40,000...

How to Prepare Your Business for Health Insurance Open Enrollment

Written on October 19, 2018.

Open enrollment for health insurance through the healthcare marketplace begins November 1, 2018, and lasts through December 15, 2018. Plans sold during this enrollment period go into effect on January 1, 2019. As a business owner, you can follow the same formula for open enrollment...

What Insurance is Needed for a Company Event?

Written on September 28, 2018.

Depending on the type of company you operate, you could find yourself hosting various company events throughout the year. The events could be for a variety of reasons from training to celebrating to simply building relationships within your organization. Some of the events include things...

How Does No Fault Auto Insurance Work?

Written on September 20, 2018.

The term “no-fault” when it comes to auto insurance has been somewhat misused and abused over the years. The important thing to understand is that there are only 16 states (plus Puerto Rico) that have no-fault auto insurance laws. If you do not live in Puerto Rico or one of the following...

How to Prepare Your Business for Hurricane Season

Written on August 24, 2018.

While hurricanes can happen at any time of the year, hurricane season officially begins June 1 and ends on November 30. These are the months when hurricanes are most likely to occur in the Atlantic region. Businesses operating along coastal (or inland from coastal regions) may suffer...

Volunteering at School? Make Sure You’re Properly Protected

Written on August 16, 2018.

Volunteering at your child’s school is a great way to be involved in your child’s education, get to know your child’s friends and classmates, and make an impact on the lives of students. More than anything else, it shows your children that you value their education and want to be involved in...

7 Tips to Keep Your Kids Safe Around the Pool

Written on July 31, 2018.

Backyard swimming pools make summer fun possible for many families. In some instances, it’s the only escape from sometimes oppressive summer heat. Unfortunately, the American Red Cross reports that nearly 200 children drown each year in backyard swimming pools. These tips can help keep...

Insurance and Liability Issues of Outdoor Employee Areas

Written on July 26, 2018.

Many businesses are eager to offer something extra to their employees. Sometimes these little extras come in the form of business perks, like Food Truck Fridays or having someone come into the office to offer massage services or car detailing to employees. Sometimes, it’s something more...

Building Owners: Preparing for Your Annual Fire Inspection

Written on June 29, 2018.

Owning a building is a huge responsibility. You have a responsibility to the people who live or work in your property to provide a safe environment. One way that you can better protect your tenants is through annual fire inspections. While the process may seem a little harrowing or...

Summer Vacation Road Trip Preparation Tips

Written on June 20, 2018.

A recent AAA telephone study revealed that nearly 80 percent of U.S. families (among those participating in the survey) are planning road trips this summer, according to the Pittsburgh Post-Gazette. This is an increase of more than 10 percent from the summer of 2017 despite higher gas...