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Group Cancellation Business Practices

Group Cancellation Insurance

Solid business practice requires that we plan for the unexpected, but who could have predicted that for the past three autumn seasons businesses that earn income from hosting outside groups would suffer from devastating yet disparate events. These included a hurricane that ravaged the northeast, a government shutdown that affected businesses in or near national parks and recreation areas, and most recently a massive manhunt that converted portions of Northeastern Pennsylvania into a virtual armed encampment, all of which caused groups to cancel or scale back their planned stays at various sites, resulting in the loss of income to their hosts.

Obtaining insurance to protect against such unusual events can be difficult as what is known as Business Interruption insurance only protects against very specific and sometimes narrow causes of loss. For example, a hurricane or other storm that closes roads and bridges (or cancels school events) fifty miles away is not covered, nor are government shut downs or horrific events that frighten groups into cancelling.

As a result, we strongly advise that your group contracts carefully and specifically address cancellation in a way that protects you against loss of income while also being fair to your customers. In addition, we believe that your contracts should mention, and in fact recommend that the groups purchase “peace of mind” insurance, which is in reality a form of trip cancellation insurance that protects individuals or groups in the event they chose to cancel their scheduled stay at your facility. There are insurance solutions available –  AMSkier offers “peace of mind” insurance.

Below is language that you should insert into your group contracts that covers each of these occurrences. By recommending that your groups purchase Peace of Mind insurance, coupled with provisions that specify your rights in the event of cancellation, you should be able to minimize, if not eliminate, losses caused by a group’s unilateral decision to cancel events for any reason.

_________________________________________________________

EVENT CANCELLATION

BY THE LESSOR:

In the event Lessor cancels the lease (Your Company) shall refund all monies paid.

BY THE GROUP:

In the event Group cancels the lease for any reason, (Your Company) shall be entitled to the following:
$ _________  If canceled on or before  ___/___/___.
$ _________  If canceled on or before  ___/___/___.

In the event of cancelation by Group at any time thereafter, (Your Company) shall be entitled to retain all deposits and shall be entitled to additional damages for breach of contract (lost profits) whichever is greater.
In order to protect itself and its participants, (Your Company) strongly recommends that Group and/or its participants purchase EVENT CANCELLATION INSURANCE which may reimburse the group or its participants for all or part of any amounts lost.


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Spring Cleaning With Karen

Spring Cleaning Tips with KarenEnjoying great weather is a breeze, but our Karen Weaver knows it’s even easier when our homes are in tip-top shape! Karen is an artistic, DIYer with a flair for making you feel right at home. Take a few Spring Cleaning & Organization tips from Karen for your best Spring yet!

1. Open the windows

Now that it’s a little warmer out, it’s time to get more fresh air into your home. Good ventilation is key to combat indoor pollutants coming from your carpet, computer and many other common household objects.

2. Cull your winter clothes now

Have you gone through a whole winter without wearing those boots or that sweater? If so, it’s time to give them away. It will be a lot easier to convince yourself to keep things if you do this task next fall. Clean your closet out after each season.

3. Organize Your Closet

After you clean out your closet, organize it by color and how you get dressed in the morning. Your closet will look nice, and your morning routine will be easier.

4. Use baking soda on musty carpets

Baking soda is a very popular natural cleaner, and for good reason! Simply sprinkle baking soda onto your carpets for smell reduction. Sweep it around for a bit, let it sit and then vacuum it up.

4. Clear your windows with vinegar

Combine 2 teaspoons of vinegar with 1 quart of warm water in a spray bottle. Spray and wipe to get rid of finger prints and other greasy buildup.

While you’re at it, could you do us a favor and skip the paper towel and use a washable rag instead? Or if you’re cleaning something so gnarly that paper towels are a must, at least compost them.

5. Create a Different Mood

It’s easy to create a different mood in your home. A change in pillows, curtains, towels, table linens & other textiles can make a big difference. Look for fresh, airy & floral patterns.

6. Make an all-purpose cleaner with natural ingredients

Tea tree oil and lemon extract have both been shown to have anti-microbial properties. So, you can make a good all-purpose cleaner by combining 10 drops of lemon extract (or zest) with 20 drops of tea tree oil in 1 quart of water. This works great to clean tile, countertops and floors.

7. Flip your mattress

Not all mattresses are designed to be flipped, but if yours is, it’s good to flip it twice a year. Why not use the equinox as a reminder?

Just like carpet, you can use the baking soda trick on your mattress to absorb oils and odors.

8. Cook up a pot of happy smells

For a more natural good-smell fix, why not boil up a pot of your favorite herbs and fruits? Try combining cinnamon and oranges or cloves and apples. You can also add a few drops of essential oils.


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Outdoor Winter Activities With Your Dog

Outdoor winter activities with dogsAgency Assistant Vice President, Suzanne Capurso loves spending time with her dogs and we bet you do too. But what are fun things to do with your dog in the winter? Bundle up and get outside! You will be amazed how fast time flies when you’re out having fun with your dog, even when it’s cold outside. Here are some fun outdoor activities you can do with your dog in the winter months.Fetch – Turns out that playing fetch works the same in cold weather as it does in warm weather. Just bundle up and get a brightly colored ball or Frisbee so you can find it in the snow.

Tracking – Sniff in all that cold winter air and train your dog to track scents. Tracking is like a game of hide-and-seek for dogs. Tracking challenges a dog’s problem-solving skills and keeps their keen sense of smell active. It also rewarding when they successfully track a scent. Call a local trainer or find a good tracking training book to get started.

Walk or Run – Same as in warm weather just with more clothes on, walking or running is a great way to exercise yourself and your dog. Dogs make great walking buddies!

Snowshoe Trek – If you can walk, you can snowshoe! The equipment is inexpensive to rent and you and your dog will enjoy the exercise and time outside in the snow. Make sure you have a long dog leash of dogs off-leash are not permissible where you walk.

Skijoring – It’s cross-country skiing combined with dog mushing/racing. Add a special dog harness and belt (for you) to your cross country equipment and you have Skijoring. Your dog pulls you through the snow. Fun for humans and any dog over 30 lbs.

We love pets at AMSkier Insurance. To get a quote on insuring your pet with AMSkier Insurance, please click here!


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5 Heating Myths Busted

snowmanfornewsletter

Have you believed any of these myths? Knowing the facts will help you stay warm efficiently!

 

Myth #1: Turning off the heat in your home during the day is the best way to conserve energy.

Fact: Reheating your living space after turning off the heat can actually be more expensive than lowering the temperature of your home, according to the U.S. Environmental Protection Agency, or EPA. Also, if a water pipe bursts because of the very low temperatures, the repair can cost thousands of dollars.

Solution: Invest in a programmable thermostat, which can be as cheap as $20 or $25 at big-box stores. During the winter, if you schedule your thermostat to drop to 68 degrees when you’re home and lower when you’re sleeping or away, you can save $110 per year or more, according to EPA estimates. If you choose to install the thermostat yourself, be sure to shut off the electricity in your house during installation.


Myth #2: Using a wood-burning fireplace will reduce your heating bills.

Fact: “Fireplaces are designed primarily as entertainment-oriented appliances. They are not designed for heating large areas,” says Ashley Eldridge, director of education for the Chimney Safety Institute of America, or CSIA. “While there are some modern fireplace designs that do heat, most of your heating will come from a central furnace.”

Solution: Decorate your mantle, but limit lighting a fire to the times when you want to add a cozy touch.

“In most cases, using the heater is going to be a better choice from a thermal performance point of view, but fireplaces may be desired as an aesthetic choice,” says Max Sherman, a fellow at the American Society of Heating, Refrigerating and Air-Conditioning Engineers, or ASHRAE, and a staff senior scientist/group leader at Lawrence Berkeley Laboratory.


Myth #3: Portable space heaters guzzle energy.

Fact: “Space heaters can be an energy-efficient option in a poorly insulated house when it is acceptable to only heat a small area,” says Max Sherman.

Solution: If your home doesn’t come with central heating, a portable space heater may be your best bet for warming up. However, not all space heaters are created equal; do your research before buying.


Myth #4: Electric blankets waste energy.

Fact: “Electric blankets use very little energy. They are definitely more energy-efficient than the same-weight blanket and a higher room temperature,” says Sherman.

Solution: People can feel cold at different times and at different temperatures. If you or your family members can’t agree on a room temperature, don’t automatically turn to the thermostat to suit everyone’s comfort level. Instead, using an electric blanket may help solve the Goldilocks-like temperature dilemma until everyone feels “just right.”


Myth #5: Your water heater always works efficiently.

Fact: Heating your water typically accounts for about 18 percent of your household utility bills. You could save $24 to $60 annually by lowering the thermostat of an electric water heater to 120 degrees Fahrenheit, down from the manufacturer’s default setting of 140 degrees Fahrenheit, according to the EPA.

Solution: Wrapping the tank with a fiberglass blanket also helps retain the heat longer, says David Slater, an Association of Energy Services Professionals member from CLEAResult Consulting. The blanket slows down how quickly the water heater loses heat, so you’ll use less energy to maintain the tank temperature.

U.S. Environmental Protection Agency

Max Sherman, a fellow at the American Society of Heating

The Electric Blanket Institute

David Slater, an Association of Energy Services Professionals member from CLEAResult Consulting


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Turkey On The Brain – Thanksgiving & Hunger Facts

Turkey isn’t the only thing Thanksgiving is about.

With Thanksgiving just around the corner, we thought you would enjoy some fun Thanksgiving facts along with a gentle reminder to think about those less fortunate. We at AMSkier Insurance, make a point of donating to our local food pantry all year round, but especially around Thanksgiving. We invite you to join us in the fight against hunger in the United States. Be entertained and check out our infographic below!
turkeybrain


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