Independent Insurance Agent and Risk Manager.
Call: (610) 867-6869
1250 Simon Blvd, K-101, Easton, PA    |   114 N. Main St., Doylestown, PA

IN THE COMMUNITY

RMG Insurance Golf and Gourmet
Event Details

RMG ladies golf outing 2015 
View 2015 event photos
----------------------------------------------
 Visit our  'Think Community!'
Events Archive
 (click here)
   


 
Independent Insurant Agent

RMG Insurance Blog

Governor Wolf Announces Fee Waivers for Volunteers Seeking Background Checks

Ron Martin - Tuesday, June 23, 2015

Governor Tom Wolf announced today that fees for child abuse clearances and criminal background checks required by the Child Protective Services Law will be waived for volunteers working with children. Additionally, the Department of Human Services (DHS) and the Pennsylvania State Police (PSP) will be reducing the cost of both the child abuse and criminal history record checks from $10 to $8 for all other applicants. These changes will take effect July 25, 2015.  read more


New Laws for PA Organizations Serving Children

Ron Martin - Tuesday, June 23, 2015

We want to make you aware of several new laws that relate to child protection. Some of the laws impact everyone; others are limited to certain industries or licensures. Some of the issues related to compliance are still being worked out by the respective Pennsylvania authorities.

Examples of What's New:
  read more


Discounts! Get your Discounts here!

Ron Martin - Monday, May 04, 2015

On an annual basis, we review your insurance policies for protection adequacy and applicable discounts. We make sure the insurance companies apply all of the discounts available to your policies.  However, there are always new discounts introduced, and we don’t always have that data in our files to take advantage of them for you.  read more


Holiday Fire Safety at Home

Ron Martin - Wednesday, December 10, 2014

Picture your perfect holiday. Perhaps you hear family members laugh while the fireplace crackles in the background. Or you enjoy your favorite holiday meal surrounded by friends and the glow of candlelight in your carefully decorated dining room.  read more


Prevent Freeze-ups of Automatic Sprinkler Systems

Ron Martin - Tuesday, December 02, 2014

Every winter, plummeting temperatures bring ice and snow to most regions of the country and present us with a unique set of loss prevention challenges. A common, yet significant winter challenge is how to prevent interior water pipes from freezing.

Nearly all commercial buildings have automatic sprinkler systems in place to protect against fire. While a fire can cause monumental loss, so can its polar opposite: ice.

 

Frozen pipe photo

 

A freeze-up of automatic sprinkler system pipes, caused by insufficient building heat, may result in burst piping and subsequent water damage to a building and its contents. If a fire occurred while the sprinkler system was incapacitated, the resulting loss could be catastrophic.

To prevent sprinkler system pipes from freezing, these standard building management procedures should be followed:

 

Prior to the official start of winter, the building’s heating system should be completely serviced and then checked on a regular basis throughout the cold weather months.

 

The structural components of the building should be inspected for any deficiencies or problem areas. Broken windows and wall cracks should be repaired promptly to prevent drafts from entering the building.

 

Temperatures in areas protected by wet pipe systems should be kept above 40°F.

 

Adequate heat should be provided to concealed areas, such as attics and areas above ceilings, where sprinkler piping has been installed.

 

Although dry pipe systems are less susceptible to freeze-ups, they should also be included in any winterizing program.

 

Fire pumps should be in a heated room and should be tested at periodic intervals. Suction taken from open water should have lines that are buried below the frost level. Intake screens should be kept clear of ice.

 

Gravity tanks should be checked for leaks and overflows. Should leaking or overflowing water freeze, it could cause structural damage to, and the subsequent collapse of, the tank.

 

Fire hydrants and valves should be kept clear of snow and ice to prevent freezing. Piping
for outdoor systems should be buried below the frost level to prevent freezing. Piping that is exposed to freezing temperatures should either be insulated or heated. Fire hydrants should be checked for adequate drainage and post indicator valves should be checked for leakage.

 

Once winter has arrived, management should keep a close watch on weather conditions. All commercial buildings and facilities should have a plan in place for handling extreme snowfalls and extreme cold spells that may lead to heating problems.

 

Supervisory personnel should be provided with a list of emergency numbers to call in case of trouble.


Despite following all of the recommended procedures, a freeze-up may still occur. If that happens, management should contact the experts for repair, rather than attempt to make repairs in a “do-it-yourself” manner.

While the sprinkler system is down, special emphasis should be immediately placed on controlling ignition sources and securing known fire hazard areas throughout the facility:

 

Cutting and welding operations should be postponed until repairs have been completed.

 

Smoking should be prohibited throughout the unprotected area.

 

Supplies of flammable and combustible materials should be kept to a minimum.

 

A temporary water line should be supplied to provide water to the unprotected area.

 

If possible, a staff person should be posted to monitor the area while repairs are being made.


In summary, by implementing preventive measures, emphasizing prompt, efficient repairs, and controlling known fire hazards, building managers can decrease the likelihood of frozen, incapacitated sprinkler systems and minimize the potential for loss should the sprinkler system become incapacitated.



For more helpful information about Loss Control initiatives, best practices and training ideas that can help control costs, please visit the extensive Loss Control page on our website. We maintain a Loss Control library, which offers a wide array of safety training and educational materials that provide both technical guidance, as well as general safety and training resources.
 
 Reprinted by permission: AMTrust North America
 

  read more

Insurance Coverage for Kids in College

Ron Martin - Thursday, August 14, 2014

A question parents and their college-aged children don’t ask, but we need to ask, is, “Will these college students be covered under their parents’ Homeowners’ and Personal Auto policies while they’re living away from home and attending school?” The answer may be, “Yes.” However, the answer may be, “No.” And, sometimes the answer could be, “Maybe….”  read more


So Sue Me

Ron Martin - Monday, July 21, 2014

reprinted with permission - Insurance Agents and Brokers  read more


Should your organization be conducting background checks?

Ron Martin - Thursday, July 03, 2014

reprinted with permission  read more


Winter Weather - Property Protection

Ron Martin - Wednesday, December 11, 2013

PREVENTING FREEZE UP - FROZEN & BURST WATER PIPES
Cold weather freeze-ups can cause vital fire protection systems to malfunction. Cold temperatures can cause sprinkler piping to burst resulting in major water damage to buildings, contents, and equipment. Pipes bursting can also impair automatic sprinkler systems and leave a major portion of your facility without fire protection. A fire during this situation may result in a major interruption to your business and a huge loss.

In the interest of preventing water damage claims for your property, designated key personnel should be aware of freeze protection and emergency preparedness procedures. Utilize the
Winter Weather Precautions Checklist to assist with your risk control program.

Best Practices include:

Building temperature should be monitored, documented, and maintained at 55° F or higher   read more


Personal Watercraft Safety

Ron Martin - Thursday, August 01, 2013

We loved this reminder from our friends at United Marine Underwriters, so we are passing it on to you!

  read more


 

Recent Posts


Tags


Archive

Licensed to provide insurance in:    PA     NJ     NY    MD    DE     NC    TN     VA     WV