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Steps for Better Personal Risk Management

You could probably guess that companies need to take steps to reduce their risks, including safety programs, cybersecurity, and more. But should you be taking risk management steps for yourself? Do you have ways you can lower your own risks and potentially reduce the chances you have a loss or an insurance claim? The answer to both these questions is “yes” of course!

Driving Risks

Over 36,000 automobile accidents occur every day1 in the U.S. Many of these accidents are caused by distracted driving. One of the simplest steps you can take for better personal risk management is to avoid using your devices while driving. And while texting may be the most obvious, many people are using their phones for searches, looking up directions, or even watching videos! Avoid these while you aren’t parked in your vehicle whenever possible.

In addition, keeping your car in good working order is also a way to reduce your risk. Keep your tires properly inflated, have brakes and safety mechanisms checked, change windshield wiper blades as needed, and keep up regular maintenance to prevent mechanical issues that could cause an accident.

Cyber Risks

The average American accesses the internet for around seven hours of their day!2 Much of that may be for work, but many Americans also work from home. If you’re using your personal devices, take steps to protect your data:

  1. Protect your passwords and create stronger passwords whenever possible.
  2. Use multifactor authentication when it is an option for logins.
  3. Avoid using “open” or unsecured internet network connections.
  4. Be careful visiting websites and especially entering data on sites that do not have SSL encryption (https://).

Liability Risks

Lawsuits are on the rise in our country, and larger verdicts and judgments are more common. You can protect your own liability at home by taking steps that include:

  1. Fence in your yard, especially if you have a trampoline, pool, treehouse, etc.
  2. Avoid “overserving” alcohol to adults at your home – even friends and neighbors.
  3. Monitor and control your dog and/or other pets, even if they haven’t been known to bite.
  4. Talk with your family about being careful in their interactions with others, and the importance of safety.

These are just a few of the examples of ways you can be safer and also lower your risks. But accidents can still happen, and you need to have the right coverages in place in case they do. Contact Brandon Patterson from our team to better understand what those coverage options may be for you – or 865.453.1414.

1-per Progressive Insurance data

2-per Forbes data

Covering Your Trailer and the Objects You’re Hauling

As the weather warms up, more and more people are getting outdoors to enjoy nature. Maybe it’s boating on the water, taking an ATV off road, setting up camp in the woods, or getting projects done outside. And one thing all these might have in common is that trailers may be involved to move the items to their intended destinations. As you’re hauling, you may be wondering – am I covered? Let’s review some of the circumstances.

Covered by Your Auto Policy?

In most cases, the coverage of your trailer – while in use for hauling – will fall under the policy of the auto hauling it. But keep in mind that if you have liability only coverage for your auto, the same would apply for your trailer. In addition, the contents you are hauling on your trailer are not typically covered in these policies.

Boat Trailers

If you have a specific trailer for your boat or other watercraft, you may be able to purchase coverage under your boat insurance policy. However, unless you have designated the trailer as “dual purpose” on your policy, you are unlikely to be covered if you haul something on the trailer other than your watercraft.

Camper Trailers

Because of their different risks, you will likely need a separate policy to cover any kind of pop-up or camper trailer. In addition, the value of a campers “contents” alone would likely make it a wise decision to have specific coverage in place for them.

Other Coverages

Trailer-specific coverages, personal umbrella policies, and additions or endorsements to other policies may be available to cover your trailer and its contents.

In Tennessee, there is not a requirement for registration or insurance if you have a boat, farm, utility, or pop-up trailer. Other trailers do have registration laws in Tennessee, and since insurance for the auto hauling the trailer is required, there are still some approximate rules for coverage in the state no matter what you’re hauling with your trailer.

Contact Brandon Patterson from our team at or 865.453.1414 to discuss your trailer risks and options for coverage.