Kind Heart, Fresh Start Collection to Benefit Local Shelters

06.16_FreshStart_SmStandUpBannerThe community is invited to join BankNewport and OceanPoint Insurance this summer to support local shelters by donating personal care items during the “Kind Heart, Fresh Start” collection drive.

Starting Monday, August 1 through Monday, August 15, all BankNewport and OceanPoint locations will be accepting community donations of toiletry items, including bars of soap, travel size shampoo, tooth brushes, toothpaste and deodorant.

Toiletries gathered during the two-week collection period will benefit the following five local shelters: Good Neighbors (Turner Avenue, Riverside), Harrington Hall (Howard Avenue, Cranston), Lucy’s Hearth (West Main Road, Middletown), McKinney Cooperative Shelter (Meeting Street, Newport), and Welcome House of South County (North Road, Peace Dale).

Tips For Safer International Business Travel

shutterstock_105877472-2Travel is an integral part of conducting business in our global economy, and needs to be conducted with the appropriate duty-of-care standards in mind.

Employers should work with employees who will be traveling abroad to ensure that the travelers can stay as safe as possible under challenging conditions.

According to a recent study conducted by the Association of Corporate Travel Executives, Business Traveler magazine and American Express Global Business Travel, the top concerns of business travelers are identity theft, political instability and kidnapping.

The idea of being stranded because of a lockdown or curfew and in-flight terror incident or major health risk such as SARS, Ebola or Zika are among the other major concerns to those traveling abroad for business.

Here are six helpful tips business travelers can use to stay safe during international travels:

1. Protect against theft of personal information

  • Keep copies of all major identification (passport or driver’s license), credit card and travel itinerary and any other valuable documentation.
  • If necessary, email them to yourself so you can have access to the information in the event they get lost or stolen.
  • Leave a copy of these documents with someone back at the office or at home as well in case you lose both the originals and the copies.

2. Use antivirus, spyware security protection on all devices

  • Make sure to use up-to-date antivirus, spyware, security patches and firewalls. Entities in foreign countries have been known to push fake security updates when a user connects to the local network. They then install malware and spyware on the user’s computer.
  • Be sure to have security software on your tablet and smartphone, too. These devices are also vulnerable and not always as secure as your computer.

3. Observe travel warnings

  • Check the U.S. Department of State’s website for travel warnings.

4. Keep family and colleagues informed

  • Leave a detailed itinerary with your family and your office, including a list of contacts for your foreign hosts in case of an emergency.
  • Register your trip with the State Department so you can be notified in case of emergency.

5. Observe health precautions

  • Visit your primary doctor for any needed pre-trip medical care or vaccinations long before your departure date.
  • Obtain medical I.D. bracelets that alert medical personnel to specific conditions or allergies.
  • Carry copies of prescriptions for any medications that you take regularly. Medical personnel will need these in case of emergency because brand names are not the same around the world.

6. Know how to reach the nearest U.S. embassy

  • Know who to call if you run into trouble. Obtain the phone number and address for the U.S. embassy or consulate in the countries you plan to visit.
  • Also, find out how to reach emergency services around the world by Googling “emergency phone number for [name of country]. Although 9-1-1 works in the United States and Canada, it doesn’t always in the rest of the world.

Contact your OceanPoint Insurance agent at 401.847.5200 to learn more about protecting yourself while traveling.

 

Information provided by PropertyCasualty360.

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How to Prepare Your Home for Hurricane Season

hurricane seasonIf a hurricane were to severely damage your home, would your existing policy be enough to pay for all of the expenses?  Hurricane season has officially begun, which means now is the time to review your homeowners insurance coverage.  At OceanPoint Insurance, our professional agents can examine your current coverage and help you attain the protection you need to weather potential storms. Before you schedule an appointment with us, we have compiled a checklist of a few tips and procedures to complete:

  • Check the limit of your current policy: The real estate value of a house is not the same as the cost to rebuild.
  • Find out what disasters are covered by your existing policy: Standard homeowners insurance policies provide coverage for a variety of disasters. However, all policies also list exclusions, such as floods and earthquakes, which are not covered by the policy.
  • Examine your current policy to see if it includes flood insurance: In case you are not aware, flood insurance may or may not be included in your existing policy. If you live in a flood zone or a hurricane-prone area, purchasing a separate flood insurance policy is a must.
  • Complete a home inventory: Do you know how much it would cost to replace all of your personal possessions? Regardless of whether or not you believe that your coverage is adequate enough, conducting a home inventory is a great way to determine what you do and do not need.
  • Secure your home: Repair loose boards, shingles, shutters, downspouts, etc. These repairs could become greater problems in high winds or torrential rain. If you live near the coast, purchase and store materials you may need to board up windows.

Don’t wait to review and update your insurance until after you have a loss. Call your OceanPoint Insurance professional today at 401.847.5200 to obtain the insurance protection that’s best for your needs and budget.

Hosting a Summer Party?

summer partyIt is the season of barbeques and backyard parties, and while we look forward to these fun events many hosts don’t realize how much risk they take on. Before you host your next graduation party, cocktail party, and even birthday party, be sure to protect yourself and your guests.

Here are some tips for keeping your summer party safe to avoid claims on your homeowners insurance:

  • Before a party, take the time to make sure that your yard (or party area) is free of uneven patches of ground, mounds and holes, and make sure that entryways are clear of tripping hazards.

Grill SafetyAccording to the National Fire Protection Association, each year an average of 8,900 home fires are caused by grilling. While nearly half of the people who grill do it year-round, July is the peak month for grill fires.

  • Check gas grill hoses to ensure they’re not blocked, cracked or damaged, before use.
  • Operate your barbecue on a level surface, away from your house, garage and landscaping. Don’t move the grill once it is lit.
  • For charcoal grills, use only lighter fluid designed for grilling. Never use gasoline or other flammable liquids, and never add more lighter fluid once the fire has started.
  • Avoid all grilling activities in enclosed areas. Charcoal grills produce carbon monoxide (CO) fumes, which can be fatal in unventilated areas.
  • Always have a working fire extinguisher nearby.

Pool SafetyThere are on average about 5,100 pool-related injuries per year, according to the CPSC.

  • Install a gated fence around your pool to prevent small children and pets from gaining unassisted access.
  • Equip your door, gate or pool with an audible alarm to alert you if someone enters the pool area or falls into the pool while it is unattended.
  • Make sure no one swims alone. Never leave a child unattended in the water or pool area, and see that less experienced swimmers are always accompanied by a swimmer who has water life-saving skills.
  • Check the deck for safety hazards.
  • Become CPR certified

Fire Pit Safety

  • Your fire pit should be at least 10 feet away from any structure or combustible surface.
  • Always have a container of water nearby and a garden hose on standby before starting the fire.
  • Don’t use flammable fluids (gasoline, lighter fluid, etc) to light or relight fires

If you plan on taking advantage of the summer weather by throwing a party, make sure you have all the protection you need. If you have any questions about what you are covered for by your current policies call OceanPoint Insurance at 401.847.5200.

BankNewport to Open Branch at Chapel View

BankNewport  President and CEO, Sandra J. Pattie announced plans to open a new branch office in the first floor space of Building 4000 at Chapel View in Cranston in September 2016.

BankNewport has signed a 15-year lease for the new 2,700-square-foot branch at Chapel View. Located at the main entrance off of Sockanosset Cross Road and adjacent to Panera Bread, the branch will offer easy access for customers.

“BankNewport’s new Chapel View branch will provide added convenience to area customers, residents, commuters, and businesses to access our full range of financial services, delivered by a local team that they know and trust,” stated Sandra Pattie.

The new branch will operate with the universal banker model.  Bankers will be versed to assist customers with teller transactions, product sales, and servicing. Technology will be utilized to streamline transactions and enhance the customer experience in order to allow universal bankers, mortgage loan officers, and business development officers to focus on having conversations with customers to address individual needs and provide tailored solutions.  Easy to navigate electronic tools will allow customers the ability to set up online and mobile banking accounts at the branch.  The branch will also have an image-enabled ATM in the lobby and an outside drive-up ATM.

Pattie added, “There’s genuine excitement about our new branch at Chapel View and we look forward to continuing our role as a true community partner and neighbor to the residents and businesses of Cranston and surrounding communities.”

BankNewport, founded in 1819 and currently holding $1.4 billion in assets, is an FDIC-insured savings bank and is a subsidiary of OceanPoint Financial Partners, MHC (Mutual Holding Company). BankNewport is proud to serve the financial needs of individuals and businesses from 15 banking offices located throughout Rhode Island.

 

Understanding the Importance of Long-Term Care Insurance

long-term careAs we age, basic everyday activities can become increasingly difficult. Over time, many people discover that they require assistance to go about their daily lives. If you became unable to care for yourself, do you have a plan in place that ensures you receive quality care? Securing a long term care plan now can help alleviate the financial and emotional strain that can arise when extended care is needed.

Long-term care insurance is designed to help offset the expenses of assisted living homes or in-home care professionals. When you or someone you love is in need of extended assistance or care, costs can add up very quickly. If you were required to pay these costs out-of-pocket, would you have the necessary funds needed to pay for them? By investing in long-term care insurance before you need it, you can help mitigate, or in some cases eliminate, future expenses.

The topic of long-term care insurance is one that few people like to discuss. While no one wants to think about themselves or a family member needing this type of coverage, it is a smart investment to safeguard your future

Another reason long-term care coverage is often overlooked is due to a common misconception. Your current health insurance does not include coverage for long-term care. For this reason, it is best to purchase long-term care insurance as early as possible. Your age and health play major factors in determining costs, and purchasing a policy at a younger age can mean much lower rates.

At OceanPoint Insurance, we can help you consider the costs and benefits of this type of coverage.  For more information, call our office at 847-5200.

How to Keep Your Home Warm and Safe When Using a Wood Stove

wood stove safetyEven though wood stoves provide an old fashioned sense of comfort, they bring several dangers with them. When purchasing and installing a wood stove, it is important to be thorough in your selection process. Whether you are buying a used or new heating system, make sure it is safe to use. If you are planning on purchasing one, make sure it is made out of a sturdy material such as cast iron or steel. If you are buying a used one, carefully check for cracks and other defects.

Before you install or light your wood stove, it should be properly inspected and certified. Check with a certified professional to meet the proper regulations in the following areas:

  • Fire and building codes
  • Chimney/ Flue guidelines (location, lining and length)
  • Floor mounting of your stove
  • Stove pipe
  • Dampers

Once your wood stove is properly installed and checked, the next step is understanding what kind of wood to use. For your stove, it is recommended that you use hard wood. According to the University of Maine Extension Service, woods such as apple and beech have the best heating values. Other recommended woods are red oak, sugar maple, and ironwood. Using the proper wood will prevent the buildup of creosote which can lead to potential dangers.

Once you have your wood, it is important to build a safe and sustainable fire. Remember to always build the fire on a shallow bed of ashes, which provides a heat reflecting surface. Use a small amount of crumpled paper and cover it with a few small sticks of wood fuel before adding larger pieces. If the fire burns too slowly, the draft louvers and the damper above the stove pipe of the stove should be opened. Adjusting the draft and adding frequent but small amounts of wood will help keep your fire going. As a gentle reminder, you should never use kerosene or other flammable liquids in your wood stove.

If you are planning on using a wood stove this winter, make sure that your home is properly covered. Please contact OceanPoint Insurance at 401-847-5200 if you have any questions about coverages.

 

 

 

*Information for this blog provided by the Insurance Information Institute

Tips for a Safe and Happy Thanksgiving

shutterstock_341191424For most families, the kitchen is the heart of the home, especially during the festive weeks to come. While the holidays are a wonderful time of year, they can also pose many dangers.

Thanksgiving is the leading day for cooking fires, with three times as many cooking fires taking place than on an average day. According to the National Fire Protection Association (NFPA) in 2013, Thanksgiving Day was the leading date for home cooking fires with 1,550, 230% above the average number of fires per day.

Keeping fire and cooking safety top of mind during this joyous but hectic time is important, especially when there is a lot of activity and people at home. Below are some safety tips you can follow to ensure a safe and enjoyable holiday:

  • Remain in the kitchen while you are frying, grilling or broiling food. If you have to leave the kitchen, remember to turn off the stove.
    • According to the NFPA, unattended cooking was the leading contributing factor in cooking fires and fire deaths. Cooking equipment is the leading cause of home structure fires and associated civilian injuries and was the third leading cause of home fire deaths.
  • Stay in the home when cooking your turkey and check on it frequently.
  • Keep a lid nearby when you’re cooking to smother small grease fires. Leave the pan covered until it is completely cooled.
  • Make sure kids stay away from the stove, hot food and liquids. The steam or splash from vegetables or gravy could cause serious burns.
  • Keep the floor clear so you do not trip over kids, toys, pocketbooks or bags.
  • Be sure electric cords from an electric knife, plate warmer or mixer are not dangling off the counter within easy reach of a child.
  • Make sure your smoke alarms are working. Test them by pushing the test button.
  • If you experience an oven fire, turn off the heat and keep the door closed.

Although a popular cooking method, turkey fryers are very dangerous if used incorrectly.

  • Only use a turkey fryer outdoors, away from trees and wooden structures.
  • Never place a frozen turkey into the fryer, because the mixture of ice and oil can cause flare-ups, or hot-oil explosions.
  • If using propane, leave at least two feet between the tank and the burner.
  • Turkeys weighing more than 12 pounds are unsafe to fry, which is why we recommend turkeys between 8 and 10 pounds if you consider frying a turkey.
  • Do not stuff or marinade the turkey if you are planning to fry it.
  • When finished, remove the pot from the burner and cover it for at least 24-hours before emptying the oil.

For more information on how to keep your home safe, call OceanPoint Insurance at 401-847-5200.

Stay Safe and Protect Yourself from Halloween Mishaps

shutterstock_219087598At OceanPoint Insurance, protecting your family is our top priority. As you make final touches to your costumes, stock up on candy, and gear up for some spooktacular fun, we want to remind you of a few safety tips to keep you and your trick-or-treaters safe this Halloween. Additionally, taking steps to prepare your property and protect visitors is also a good idea.

  • For greater visibility during dusk and darkness, decorate or trim costumes with reflective tape that will glow in the beam of a car’s headlights. Bags or sacks should also be light colored or decorated with reflective tape.
  • To easily see and be seen, children should also carry flashlights.
  • Costumes should be short enough to prevent children from tripping and falling.
  • Drive slowly and watch for children darting into the street.

Be Aware of Dangers that Might Not be Visible at Night

  • Walk your property before Halloween to identify and minimize potential dangers, especially those difficult to see after dark. For example, check to make sure temporary extension cords are secured to avoid a tripping hazard.
  • Make sure walking surfaces are even and clear of debris, and that any obstacles are clearly marked, such as stakes, exposed roots or holes.
  • Ensure that your front yard, walkway and entryway are well lit so that those unfamiliar with your home can safely navigate.

Halloween is an exciting time for children, but it can also be very dangerous for them as well. Be sure to review these tips with your little ones and make sure they understand their importance. If you have any concerns about keeping your family safe and protecting your property this week, contact OceanPoint Insurance at 847.5200.