Is That Detached Structure Really Insured?
A homeowners policy usually provides coverage for detached structures, such as a garage or shop building, equal to 10% percent of the value of the home. But if that detached building is used for business in any way, there is no coverage; even incidental use like storing business equipment or inventory. Business use is some activity where you make money or make a trade in value for your service, even if there are no customers visiting the premises. The same exclusion applies to a detached structure which is rented for residential purposes, like a guest house or apartment. That small business requires special insurance to cover the building, equipment, inventory and liability exposures. So if you are painting cars, building birdhouses, a contractor, or have an apartment, office studio, school, day care, etc. You need special insurance. Give us a call to get a quote today.
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If you are one of the millions of hunting enthusiasts who love to take some of the comforts of home to the great outdoors, make sure to be aware of the safety guidelines for transporting and using propane to power your hunting camp appliances.
Install a Carbon Monoxide Alarm (CO) and Propane Leak Alarm
Without adequate venting and fresh air, propane appliances can rapidly produce dangerous levels of CO. Because CO is an invisible, odorless and tasteless gas there is no way of knowing if a dangerous concentration is imminent without an alarm. Along with a CO alarm, it is a good idea to equip your camp tent with an electronic propane leak alarm.
Store and Transport Propane With Care
Gas cylinders, relief valves and regulating equipment must be located either outside the vehicle, or in a gas compartment tight in the interior. This allows any leaks to flow to the outside air.
You should also keep cylinders out of harm’s way. Use the designated spaces for storage and transportation when traveling to your hunting camp destination. Roof-mounted cylinders are neither safe nor acceptable. Cylinders mounted on the back are also unsafe – unless substantial protection is provided in the event of a rear-end collision.
Use a Certified Technician
Only a certified propane fitter may legally install or remove propane piping, tubing equipment and appliances in any propane equipment.
Refill With Care
When it is time to top off on propane, it is important to shut off all appliance burners, pilot lights, and automatic ignition switches.