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Personal Insurance

Renting Your Home to Others

By Personal Insurance

Liabilities of Renting Your Home

If you are considering renting out your home, take the following considerations to heart before doing so.

Renting To Do’s

  • Draw up a rental agreement that defines the terms of the rental, including restrictions, liabilities and occupancy guidelines.
  • Ask for references from potential renters, especially those that will stay for a while.
  • Request a security deposit to be refunded if there is no damage to your home.
  • Contact B+H Insurance, LLC about your plan to rent out your home and ask about how this may affect your current coverage.
  • If you are renting for a long period of time, consider hiring a “property manager” to look out for your house while you are away.

Protecting Your Personal Property

  • Set aside a locked place in your home to store personal items such as clothing and valuables.
  • Take valuable items to a locked storage facility, a family member’s home or a bank vault.
  • Change alarm codes after you are done renting.
  • Provide keys to only one door of your residence so that you have to change only one lock after the renters leave.
  • Photograph and videotape all areas of your home before the rental takes place in case damage occurs while you are away.
  • Tell your neighbors that you are renting and ask that they watch over your home.
  • Have your mail forwarded or held until you return.
  • Provide your contact information for both the renters and your neighbors in case of an emergency.
  • Provide the renters with a list of service providers, such as plumbers and electricians, in case of a water leak or furnace failure.

Contact B+H Insurance, LLC at 302-995-2247 today to learn more about the risks of renting your home.

Families First Coronavirus Act (FFCRA)

By Personal Insurance

Please see below for the latest on FFCRA – updated DOL guidance, a Q&A doc, and IRS guidance on the tax credits.

Visit the DOL website for more Q&As, fact sheets, posters, etc. You must comply with the notice provisions below by April 1, 2020.

Delaware Health and Social Services, Division of Public Health released a notice on Essential Services Screening Recommendations for COVID-19, also below.

DOL Guidance on FFCRA Employer Leave Requirements

Families First Coronavirus Response Act – Questions and Answers

IRS Issues Guidance on Tax Credits for Coronavirus (COVID-19) Paid Leave

FFCRA Poster

Essential Services Screening Policy

 

 

Homeowners Insurance Policy Q&A

By Personal Insurance

Know Your Insurance

The best time to learn about what’s included in a basic homeowners insurance policy is before you have a claim. We’ve gathered the answers to the most common “Am I covered if…” questions about your homeowners insurance policy to help you to minimize any coverage surprises.

What property and perils are excluded from my policy?

Typically, coverage does not apply to damage caused by flood, surface water, water that backs up through sewers or drains, earth movement, nuclear damage, war, etc. Personal liability and medical payments do not apply to the operation, ownership, use, etc., of any aircraft, automobile, RV, water craft powered by more than 50 horsepower motor; bodily injury or physical damage caused by an intentional act of the insured.
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BHI is Insurance. Done Differently.

By Business Insurance, Group Benefits, HR Services, Insurance, Personal Insurance, Safety Services


John Boykin
President & CEO
BHI

Business owners have so much on their plate these days, and many times the last thing on their mind is insurance. As a business owner, what do you think about when someone says the word “insurance”? Does it bore you? Do you roll your eyes? When was the last time you reviewed your insurance portfolio? Even the word itself has a bit of an outdated and traditional undertone. We get it, and we’re doing everything we can to change the market and our client and prospects’ antiquated outlook on “insurance.” We believe it’s one of the most important pieces to put in place for business continuity and not worthless paper stacked on a shelf that you hope you never have to use!

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We Are BHI

By Business Insurance, Employee Benefits, HR Services, Personal Insurance, Safety Services

We are BHI

An independent insurance agency that provides Insurance,
Benefits, Human Resources, and Safety Solutions
to businesses and individuals in
the mid-Atlantic and beyond.

 

 

We’re here when you need us most.
Call, email or stop by.
111 Ruthar Drive
Newark, DE 19711
Phone: 302-995-2247
Fax: 302-995-2220
Insurance@BHI365.com

 

Personal Lines Meet the Team

By Personal Insurance

WHAT is Personal Lines insurance?

    • Personal Lines insurance includes property and casualty insurance products that protect individuals from losses they couldn’t afford to cover on their own. Types of personal insurance include auto, home, renters, flood, valuable possessions, watercraft, RV, motorcycle, umbrella, etc. We highly recommend that our clients cover ALL their valuable personal property.

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OSHA Accepting Electronically Submitted Injury, Illness Reports

By Personal Insurance

U.S. Labor Department’s OSHA Accepting Electronically Submitted Injury, Illness Reports Through December 31

 

WASHINGTON, DC – The U.S. Department of Labor’s Occupational Safety and Health Administration (OSHA) will continue accepting 2016 OSHA Form 300A data through the Injury Tracking Application (ITA) until midnight on December 31, 2017. OSHA will not take enforcement action against those employers who submit their reports after the December 15, 2017, deadline but before December 31, 2017, final entry date. Starting January 1, 2018, the ITA will no longer accept the 2016 data. Read More