Springtime A/C Maintenance For Your Home

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homeowners insurance

Floridians quickly turn on the A/C in their homes without giving it much thought. Warm weather is the norm in Florida so few homeowners may take the opportunity to have their A/C unit serviced before temperatures soar into the 90’s.

Although the spring might be a time for backyard barbecues or lazy afternoons on the beach, it’s also the best time to have your A/C unit serviced and also look for any needed repairs in preparation for the upcoming hot summer season. Taking the time now to make sure your A/C is working properly will ensure that your home is safe and comfortable all summer.

How do you know if you need to have your A/C unit serviced or repaired? Read on for some tell-tale signs that your A/C might need some work and also some tips on how to keep your unit running smoothly.

  • Keep your unit clear of bushes and shrubs. One of the easiest and money-saving things you can do to ensure that your A/C unit runs smoothly is to keep the area around your unit clear. Be sure to trim or cut back any bushes or shrubs growing near it. Sticks, branches, and leaves can find their way into your unit, which can cause a clog resulting in a malfunction.
  • Replace the filter. The most common reasons for A/C unit failure is due to a dirty filter. Replacing the air filter in your unit is easy and relatively inexpensive. By taking the time to check and replace your filter as needed, your A/C unit will not only run smoothly but also keep the air in your home clean.
  • Schedule an annual check up. Every A/C unit should be inspected by a pro at least once per year, even if you are good about checking it on a regular basis. The best time to get your A/C serviced is now – before the summer really heats up.

Although it may cost a little to have a service tech look at your unit or to perform an annual “tune up”, this can actually save you money. If your A/C unit goes down in the middle of the summer, then it can end up costing you more to get emergency repairs.

If the A/C unit in your home is acting or sounding a little funny or if it isn’t turning on at all, then it is time for maintenance and service. Even if your A/C unit sounds or seems to be running fine, there could be some issues you may not be aware of.

spring cleaning
If you’re going to be replacing your A/C unit, make sure and talk to your insurance agent first. They will be able to find you the best ways to keep your homeowner’s insurance premiums affordable.

Skip the dangerous this year, and stick to all-natural remedies for spring cleaning! Check out our Spring Cleaning eBook for some safe and effective ways to make your home spotless this year. Click the image to get your copy!

Spring is the Best Time for Routine Maintenance

homeowners insuranceSpring is by far the best time for scheduling routine maintenance, service, and making any necessary repairs to the A/C unit in your home before it gets too hot. Take the time now to schedule maintenance on your unit to ensure your home is safe and comfortable for the summer.

Here at Synergy Insurance Group, we’re dedicated to making sure you’re taken care of. Our insurance agents will help you find the best rates for your homeowner’s insurance. Contact us today to get a free quote on any type of coverage!

Is Workers’ Compensation Required?

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workers comp

If you run a business, you may have some small business insurance, such as a commercial auto policy or professional liability insurance. When it comes to workers compensation insurance, you may have some questions.

  • But what about “workers’ comp”?
  • Is it worth it?
  • Is it required?
  • Should you get it?

Many business owners are unsure if they are required to carry workers’ compensation insurance. Depending on the type of business you run, workers’ compensation may be required in the state of Florida.

So, what exactly is workers’ comp and do you need it?

Let’s find out.

What is “Workers’ Comp”?

Workers’ compensation is insurance that protects both the employee and employer in the event an employee is harmed on the job. Workers’ compensation will provide compensation to the employee for their lost wages, medical expenses, and even long-term care, in the event of severe injuries and/ or illnesses. If an employee collects workers’ comp, then by law they cannot sue the employer. It protects you, your employee, and your business.

Is Workers’ Compensation Required for My Business?

In the state of Florida, if you have four or more employees, you must provide workers’ compensation insurance. If a business operates in the construction industry or in any other special trade, then it’s required. Even if your business is “seasonal,” you still have to provide workers’ comp coverage to seasonal workers.

Workers’ compensation must be compliant with local and state regulations. This means that you must purchase it from a licensed insurance carrier. Even if it’s not required, it’s a good idea.

What Does Workers’ Compensation Cover?

The most basic workers’ compensation insurance policy typically covers any injuries, illnesses or even death to a worker as a result of an accident that occurred on the property of a business or a job site contracted by the business. If an employee is harmed or suffers an injury or death while on your company’s watch, then they’re entitled to workers’ compensation…which could fall on you.

Workers’ comp provides compensation to employees for lost wages, medical bills and expenses, short- and long-term care. There’s a lot it covers.

The Dangers of Not Having Workers’ Compensation Insurance

Even if it’s not required, there are still dangers to not carrying workers’ comp insurance that you should be aware of. For example:

  • If an employee gets cut on the shredder, you might be liable.
  • If they fall off a chair, you might be liable.
  • Asbestos in your ceiling, you might be liable.
  • Burned on the stove, you might be liable.
  • Car wreck in your parking lot, you might be liable.
  • Hernia while lifting a box, you might be liable.
  • Bad chair leads to a bad back, you might be liable.

As you know, a lot can happen. Protect your business. Protect yourself.

With workers’ compensation, not only are you protected in the event of an accident on the job but you’re also protecting the integrity and reputation of your business.  You will have an easier time hiring good people if they know you have it. They know about it and ask about it. Show them you care, get covered.

How We Can Help with Workers’ Compensation Insurance Quotes

If you’re interested in learning more about small business insurance, including workers’ compensation, call Synergy Insurance today for a quote. Synergy Insurance can help businesses with various types of small business insurance in addition to worhomeowners insurancekers’ compensation. Don’t take the risk.

Call Synergy Insurance today for business insurance quotes for workers’ compensation, or click the button to fill out a free quote form!