• Install smoke alarms on all levels of your home and change batteries at least once a year.
• Use candles with caution; keep them away from flammable materials. Always extinguish them when leaving the room.
• Clean your dryer lint screen regularly.
• Never leave food on a stove unattended.
• Never smoke in b ed or leave burning cigarettes or cigars unattended.
• Keep matches and lighters out of the reach of children.
• Never place portable space heaters near drapery or furniture.

For more information on homeowner’s coverage and policies, please contact Gunn Mowery at 1-800-840-1243, or e-mail us at info@gunnmowery.com. Become our Facebook fan at Facebook.com/GunnMowery.

“The Lancaster Sertoma Club’s chicken barbeque is a tradition in Lancaster county and central Pennsylvania,” said Rovnak, who is Chairman of the Board with the Sertoma Club. “The proceeds from the barbeque will help with the maintenance and upkeep of Long’s Park, as well as a number of other charities.”

The barbeque had been certified by the Guinness Book of World Records as the world’s largest one-day chicken barbeque. The club prepared over 25,000 chicken dinners for individuals and families.

Profits from the barbeque went toward the beautification, upkeep and improvement of Long’s Park in Lancaster. To date, the barbeque has raised over $1.5 million. The barbeque has helped fund the creation of park playgrounds, maintenance and renovations, and toward after school programs for children.

For more information on the event, please visit www.lancastersertomabbq.com, or www.lancastersertoma.org.

About Gunn Mowery
Founded in 1985, Gunn Mowery is an independent insurance broker providing commercial insurance, personal insurance, employee benefits, captive insurance, financial services and surety bonds to clients in Central Pennsylvania and beyond. Our 61 professionals are licensed in 35 states and have placement capabilities worldwide. We have four offices in
Cumberland County (Lemoyne), Lancaster County (Lancaster), York County (Dillsburg), and Centre County (State College).

Recognized locally, regionally and nationally in our industry for service, innovation and best practices standards, we continue to meet the needs of our clients in any way we can. To learn more about our agency, visit www.GunnMowery.com, or e-mail us at
info@gunnmowery.com.

Some homeowner policies view above ground pools as contents. This view provides coverage for named perils such as vandalism, windstorms, hail, lightening or falling objects.

Other carriers view an above-ground pool as an “other structure.” This view extends the peril coverage of your home to your pool. Any excluded home perils apply to the pool as well.

Regular neglect, plus wear and tear are not covered. However, pool owners have a responsibility to others (i.e. neighbors) to maintain the pool to avoid damaging other’s property.

In the event there would be damage to a nearby property, a homeowner’s policy provides liability coverage. Claim investigation and payment (should the homeowner be found negligent), legal representation and claim negotiations all fall under the liability coverage for a pool. Insurance coverage for above ground pools is considered a gray area with many carriers.

It is best to contact Gunn Mowery for a review of your coverage. For more information, please contact Gunn Mowery at 1-800-840-1243, or e-mail us at info@gunnmowery.com. Become our Facebook fan at Facebook.com/GunnMowery.

However, what if your posts had legal or financial consequences? Could you or a family member be sued for an online post?

While not physically injuring someone, Personal Injury can cause harm. Personal Injury is slander and libel, which includes oral, written or electronic publication of material that damages a person or organization’s goods, products or services or violates a person’s right to privacy.

The standard homeowner or renter’s policy provides liability coverage for Bodily Injury, but NOT Personal Injury. If you tweet or text frequently, adding the Personal Injury endorsement to your policy could prove to be a valuable move.

For more information on the Personal Injury endorsement, please contact Gunn Mowery at 1-800-840-1243, or e-mail us at info@gunnmowery.com. Become our Facebook fan at Facebook.com/GunnMowery.

• Establish parental authority for use of the vehicles, rules and consequences.
• Establish the driver’s responsibility for insurance costs and other auto expenses.
• Explain the pitfalls and legal consequences of breaking the law.
• Forbid eating, drinking, smoking and horseplay while driving.
• Eliminate distractions such as loud music and cell phones.
• Keep your insurance card, driver’s license and owner’s card handy in the event of an accident or traffic violation.
• Lock the car and never leave it running.
• Check in when arriving at a destination and when leaving to return home.
• Make sure to always wear a seatbelt.

For more information on auto insurance coverage and policies, please contact Gunn Mowery at 1-800-840-1243, or e-mail us at info@gunnmowery.com. Become our Facebook fan at Facebook.com/GunnMowery

Pipes break, washer hoses deteriorate, and roofs leak. Unfortunately, many times these periols occur when the home is empty. When the homeowner returns, there can be catasrophic damange.

If this happens to you, please keep the following safety precautions in mind:

• Do not walk in any standing water, as it could be charged from an electrical outlet or appliance.
• Look up before entering a room to make sure water is not coming from the ceiling. If the ceiling is wet, be aware for potential collapses.
• Determine if the water could be coming from the back up of a sewer or drain. This water is considered grossly unsanitary and any contact can cause illness.
• Find the source of the leak and safely shut it off as soon as possible to avoid further damage.

Finally, contact Gunn Mowery to report the claim. We will asist you in contacting the proper insurance carrier. For more information on homeowner’s coverage and policies, please contact Gunn Mowery at 1-800-840-1243, or e-mail us at info@gunnmowery.com. Become our Facebook fan at Facebook.com/GunnMowery

In fact, behind-the-wheel driver training programs in school districts are some of the first programs to be cut from tightening school budgets.

Ford Motor Company wants to help young drivers be safe and responsible. They created a website called, “Driving Skills for Life,” to help train young drivers.

The site emphasizes the importance of hazard recognition, vehicle handling and space and speed management. Training videos and other educational resources are available for students and parents.

Visit www.drivingskillsforlife.com to ensure your young driver is fully equipped for their new independence on the road.

Please note that the website program does not take the place of behind-the-wheel professional training, but can be used as a supplement to this training.

For more information on auto insurance coverage and policies, please contact Gunn Mowery at 1-800-840-1243, or e-mail us at info@gunnmowery.com. Become our Facebook fan at Facebook.com/GunnMowery.

Generally, these policies cover only the structure of the building, but it varies depending on your state and particular condominium. It’s important to do your homework to find what is and what isn’t covered so you can make sure your personal policy covers the rest.

What kind of coverage do you need?

The type of coverage you need greatly depends on your unique situation. Common coverages including theft, damage and personal liability incidents. Depending on your residence, you may also need flood insurance or other special coverage.

A Gunn Mowery agent can help you plan for the coverage you need. You may want to ask yourself the following questions as you decided on the details of your insurance policy:

• What parts of the condo am I responsible for?
• How much would it cost to replace or repair my condo?
• How much are all of my personal items worth?
• Do I have have valuable items in my condo, such as jewelry, antiques, fine art or collectibles?
• Do I run a business out of my home, or often work from home?

For more information on condominium insurance, please contact Gunn Mowery at 1-800-840-1243, or e-mail us at info@gunnmowery.com. Become our Facebook fan at Facebook.com/GunnMowery.

- More than 1 in 5 adults believe that unemployment or Social Security will cover them if they become disabled. – Disability Literacy: How Consumers Rate Today, April 2005, The Hartford

- Less than half — 39-percent — of the 2.1 million workers who applied for Social Secuirty Disability Insurance (SSDI) benefits in 2005 were approved. - Social Security Administration, Office of Disability and Income Security Programs

- The average monthly SSDI benefit is $1,004 — Social Security Administration, Fact Sheet 2008

- In 2007, the percentage of working-age people with disabilities receiving SSDI payments in the US was 17.1% - U.S. Census Bureau, American Community Survey, 2007

- Over 85-percent of disabling accidents and illnesses are not work related, and therefore not covered by workers’ compensation. – National Safety Council®, Injury Facts® 2008 Ed.

* * *

For more information on workers’ compensation coverage, please contact Gunn Mowery at 1-800-840-1243 or e-mail us at info@gunnmowery.com.

The NHTSA compiled statistics for some of the most common recreational activities. Bicyle riding was by far the most dangerous, as the NHTSA reported more than 600 fatalies and 51,000 injuries  in the year of 2009 alone.

The sudy also compiled statistics from over 30 sports, including physical activities such as football, wrestling, ice hockey and boxing. Below is some of the key data taken from the graph.

• Wrestling, Boxing, Ice Hockey, Field Hockey and Track and Field have over 50-percent of their injury incidents in the 15-24 age bracket.
• Football has its highest injury rates in the 5-14 age bracket over the 2009 period, with 49-percent of its 489,676 injuries occuring in that demographic
• Swimming had 225,493 reported injuries in 2009 alone, with 41.9 percent of incidents occuring in the 5-14 age bracket and 27.6 occurig in the 25-64 bracket.
• Basketball was one of the most dangerous recreational sports in 2009, with 528,584 injuries being reported overall. Football was second with 489,676 injuries reported.
• Gymnastics had the highest injury rate in the 5-14 age bracket, with 70-percent of their 28,743 injuries reported coming in those ages. Roller skating was second with 54-percent of injuries occuring in the 5-14 age bracket.
• In the 25-64 age bracket, snowmobiling (66-percent), mountain biking (64-percent) and racquetball/squash/paddleball (61.9) had the most injury incidents.

You can check out the full study here. For more information, visit the Insurance Information Institute, or call Gunn Mowery at 1-800-840-1243. You can e-mail us your questions at info@gunnmowery.com