American National  

Fact: In the United States, slips, trips and falls are the most common occupational accidents. Slips and falls account for more than one million hospital visits each year.

Whether you own a small greenhouse open only in the spring and summer months, or a large commercial operation that is open year-round, greenhouses are enjoyed and utilized by many people. However, owning a greenhouse comes with certain responsibilities to keep your employees and customers safe from slips and falls.

Hazards & Prevention

General cleaning and housekeeping practices can have a major impact on the overall safety of your business.

• Keep both the exterior and interior of the premises free from debris and trash.

• When not being used, make sure all equipment and supplies are properly stowed away; these items can include ladders, hoses, pots and other supplies.

• Never leave hoses unattended when unrolled. This often creates a major tripping hazard. If possible, avoid running hoses across aisles or pathways where customers will be walking.

• Use water-absorbent mats and runners to help avoid slippery ground.

• Provide good lighting in high-traffic areas.

• Paint edges of steps yellow.

• Correct any trip hazards in flooring, including cracks, holes or irregularities/uneven surfaces.

• Avoid contaminants on the floor.

• Keep walkways free from obstructions. Walkways should be a safe width.

• Hand rails should be present at both wheelchair and pedestrian heights.

• Post warning signs regarding potential slip and fall hazards.

• Weather Conditions: Create an organized program to promptly remove ice and snow from parking lots, garages and sidewalks.

Ladders are another item that can pose a danger. When using a ladder, make sure it is properly set up and on level ground. Do not overestimate the reach of the ladder; never try to reach something that is too high when you are on a ladder. This is a major fall hazard and can cause serious injury. Never allow a customer to use or climb on a ladder.

Make regular walk-through inspections to look for slip, trip and fall hazards or other potential exposures. Be proactive, look for hazards and correct them before they become a problem. Both your customers and your employees will appreciate your efforts and concern for their overall safety and well-being.

Connect with a local American National Agent at an.insure/MANTS2021

American National is a group of companies writing a broad array of insurance products and services. Products and services may not be available in all states. Terms, conditions and eligibility requirements will apply. Property and casualty products and services may be underwritten by American National Property And Casualty Company, Springfield, Missouri, Farm Family Casualty Insurance Company or United Farm Family Insurance Company, both of Glenmont, New York.

EXPERTISE

Proven experience and success protecting businesses like yours:

• Greenhouse Growers • Landscape Contractors • Nurseries and Garden Centers • Lawn Care Services • Fruit and Vegetable Growers

REPUTATION

• A history of strong, conservative risk management • Multi-year experience successfully insuring nurseries

PEOPLE

• Local agents who take time to listen • Dedicated, responsive and dependable support • More an ally than an agent

SERVICE

• At your location, at your convenience • A coordinated array of insurance coverage for business and family • Excellent claims assistance available 24/7

Make a SMART choice and PROFIT from our experience

PRODUCTS LIABILITY

• Bodily Injury
• Property Damage
• Advertising Injury
• Commercial Auto
• Umbrella for Commercial/Personal
• Damage to Rented Premises

PROPERTY

• Equipment Breakdown
• Business Buildings
• Tools and Equipment
• Inland Marine
• Business Income
• Personal Property
• Personal Residence
• Personal Auto

.LIFE/ANNUITY

• Life Insurance
• IRAs/Annuities

Connect with a local American National Agent at an.insure/MANTS2021

American National is a group of companies writing a broad array of insurance products and services. Products and services may not be available in all states. Terms, conditions and eligibility requirements will apply. Life insurance and annuity products may be underwritten by American National Insurance Company, Galveston, Texas. Property and casualty products and services may be underwritten by American National Property And Casualty Company, Springfield, Missouri, Farm Family Casualty Insurance Company or United Farm Family Insurance Company, both of Glenmont, New York.

American National understands that no two businesses are alike, so why would you settle for a one-size fits-all insurance plan? American National agents offer customized commercial auto coverage based on your needs so you can rest easy knowing your business is protected, wherever it goes.

American National commercial auto insurance protects you and your business in all sorts of situations involving a vehicle. Whatever your specific auto needs, an American National agent will offer appropriate protection for your business.

American National offers coverages including:

• Liability
• Physical damage
• Medical Payments and/or Personal Injury Protection*
• Uninsured motorist

Plus, the below coverages are automatically included in an American National Business Auto Policy at no additional charge*:

• Employees as insureds
• Towing and labor
• Rental reimbursement
• Airbag coverage
• Personal effects coverage
• Fellow employee coverage
• Glass repair coverage

If needed, the following can also be added to your policy:

• Hired and Non-Owned auto coverage
• Auto Loan/Lease gap coverage
• Sound receiving equipment
• Coverage for registration plates

We understand how devastating a single accident could be to your business. When the unexpected happens, you can report a claim 24/7 and our experienced claim specialists will expedite it as quickly as possible.

Connect with a local American National Agent at an.insure/MANTS2021

American National is a group of companies writing a broad array of insurance products and services. Products and services may not be available in all states. Terms, conditions and eligibility requirements will apply. Property and casualty products and services may be underwritten by American National Property And Casualty Company, Springfield, Missouri, Farm Family Casualty Insurance Company or United Farm Family Insurance Company, both of Glenmont, New York.

WHAT IS A DATA BREACH?

A data breach is a digital break-in where an unauthorized person accesses a secure database to steal sensitive and protected personal financial or identifying information.

WHY DO YOU NEED DATA COMPROMISE COVERAGE?

• Data breach notification laws require businesses to respond to breaches because they have a responsibility to safeguard the data of customers, employees and others.
• All businesses are vulnerable to data breaches by computer hackers, thieves and dishonest employees.
• Data can be lost through an accidental or inadvertent release.
• Small and mid-sized businesses often lack the resources and knowledge to respond to mandated laws.

WHAT SERVICES DOES THIS COVERAGE PROVIDE?

• Data compromise coverage is designed to help you investigate a data breach, notify individuals and even provide credit monitoring, case management and other services that help your customers prevent identity theft and fraud following a breach of personally identifying information.
• Coverage includes (up to predetermined limits) a forensic IT review to look into the nature and extent of the compromise and coverage to hire legal counsel and a professional public relations services to respond to the data compromise.
• You will also receive coverage to protect your business from lawsuits filed by individuals upset about the data breach of their personal information.

IS YOUR BUSINESS AT RISK?

In this electronic world businesses rely on data and networked computer systems. Every day cyber criminals attack without warning and the data and system losses from computer attacks – including costly out-of-pocket recovery expenses and organizational downtime – can be devastating. While these attacks have long been a risk to larger entities, cyber attackers have increasingly shifted their attention to smaller businesses in search of easier targets.

COULD THIS HAPPEN TO YOU? WHAT IF...

. . . a customer claims you sent him a damaging virus?

. . . your business computers get hacked by a disgruntled employee and you have to pay the IT bill to repair the damage?

. . . you end up going to court to defend a customer lawsuit suit claiming you compromised their personal information?

. . . a nasty virus gets into your computer network and you have to not only pay out-of-pocket repair expenses, but suffer serious downtime before you can get back up and running?

CyberOneTM insurance protects businesses against the cost of repairing damage to electronic data and computer systems from a virus or other computer attacks. It also protects a business’ liability to third parties (customers or other businesses) who may have suffered damage due to security weaknesses in the computer system.

Depending on the coverage options selected, CyberOneTM coverage pays for the cost to recover and replace data and repair computer systems. It can also pay for liability, damages and defense costs due to claims brought against you.

FREE ACCESS TO RISK MANAGEMENT TOOLS

Taking proactive steps to minimize cyber risks can feel overwhelming for many small business owners. To help, clients of CyberOne coverage have access to eRiskHub® at no additional charge. This website provides owners with direct access to a range of risk management tools to help businesses prepare and recover when private, personal information of customers, employees or others is lost or stolen.

eRiskHub® is easy-to-use and includes the latest news, notification requirements, self-assessments, training modules and step-by-step suggestions to understand information exposures, establish response plans and minimize the effects of a data breach.

Connect with a local American National Agent at an.insure/MANTS2021

American National is a group of companies writing a broad array of insurance products and services. Products and services may not be available in all states. Terms, conditions and eligibility requirements will apply. Property and casualty products and services may be underwritten by American National Property And Casualty Company, Springfield, Missouri, Farm Family Casualty Insurance Company or United Farm Family Insurance Company, both of Glenmont, New York.

CONVENIENCE, EFFICIENCY, AND PEACE OF MIND.

Your time is valuable. And so is having the right insurance coverage. Our property and liability insurance includes specialty coverages intended to offer the extra protection needed for contracting businesses such as yours. So at the end of the day, you can run your business. We’ll help cover the rest.

A Sample Scenario: Crucial coverage when you need it…

As a condition of renting machinery, John was required by the rental company to provide an additional insured status on his liability policy. John called his American National agent, who explained that the additional insured coverage was included in his policy’s specialty coverages – he already had the required coverage without incurring additional charges or the need to add separate coverage. At the end of the day, John was able to rent the machinery worry-free and get the job done.

ADDITIONAL COVERAGES AND LIMITS TAILORED FOR YOUR CONTRACTOR BUSINESS:

Property Examples:

• Personal Property Off Premises
• Pollution Clean-up and Removal
• Non-owned Detached Trailers

Liability Examples:

• Additional Insured required by Contract (excluding Products/Completed Operations Coverage)
• Additional Insured Architects, Engineers and Surveyors
• Leased Workers and Temporary Workers as Insureds

Connect with a local American National Agent at an.insure/MANTS2021

There’s no disputing that accidents happen. And while having primary insurance is certainly a must-have to safeguard against losses, there may be more you need to consider.

We don’t know when a loss is going to result in a large jury award or when an accident or incident will be so severe that our primary liability limits will be exhausted, exposing us to potentially millions of dollars in self-insured losses. What would you do if a legal judgment against you was greater than your primary insurance limits?

Umbrella insurance helps cover you when disaster strikes. The umbrella policies offered by American National help protect you from major claims and lawsuits if you are held responsible for covered bodily injury, property damage or personal injury above the limits of your primary insurance policies. It also provides coverage for some claims that are not ordinarily covered under other policies.

Don’t risk a potentially lifelong financial crisis when there are options. Reach out today to learn more about the benefits of American National and commercial umbrella coverage.

WHEN ADDED COVERAGE SAVES THE DAY… An umbrella policy can provide your business extra protection – saving yourself unneeded stress and your business a lot of money.

Example #1*

Your company is found liable for a customer’s injury at your place of business and you are sued for $1.5 million – and you only have $1 million in liability coverage. Fortunately, your insurance included umbrella coverage, which expanded protection up to $2 million.

Example #2*

Your business has a commercial auto policy with a $500,000 combined single limit of liability for bodily injury and property damage. One of your company vehicles is involved in an accident with another vehicle and is found to be liable for the bodily injury of the other driver and four passengers. They are all seriously injured and the combined medical bills are over $1 million. Fortunately, your insurance included umbrella coverage, which expanded protection up to $1.5 million.

* These scenarios are examples of how coverage might take effect and do not reflect actual clients or claims.

Connect with a local American National agent at an.insure/MANTS2021.

American National is a group of companies writing a broad array of insurance products and services. Products and services may not be available in all states. Terms, conditions and eligibility requirements will apply. Property and casualty products and services may be underwritten by American National Property And Casualty Company, Springfield, Missouri, Farm Family Casualty Insurance Company or United Farm Family Insurance Company, both of Glenmont, New York.

Securing your business information and computing technology is anything but “small” to a small business owner. Here are a few simple yet efficient cyber security tips for the small business owner to help avoid cyber security risks.

Best Practices Education And Training

Education and training is perhaps the most important component of information technology security. Educate all employees with the same best practices. When new employees join or when best practices are updated, provide refresher training sessions.1

Protect Against Viruses, Spyware And Other Malicious Code

Use anti-virus and anti-spyware software, and ensure that all software installed on the network is updated (and set to update automatically).

Back Up Data

It doesn’t matter whether data is stored in the cloud, on-premises, or in a hybrid data center, businesses should back up all files to media that is not connected to the Internet.

Create Strong Passwords And Authentication

Require employees to create strong passwords, such as a phrase containing random words or letters. Consider implementing universal factor authentication that requires a physical, USB device.

Secure Wi-Fi Networks

Change the password on your Wi-Fi network so that it is not the default and ensure that if you provide guest access to a Wi-Fi network that guests cannot access your employee network.

Create A Mobile Device Policy

Mobile devices allow for work anywhere, anytime but they create security challenges especially if they hold confidential information or can access the corporate network. Provide employees with a virtual private network (VPN) to access your network, if they must, securely with their mobile device.

Employ Best Practices On Payment Cards

Choose a bank or processor who uses the most trusted tools and anti-fraud services. Isolate payment systems from other systems.

Provide Firewall Security For Internet Connection

A firewall is a set of related programs that prevent outsiders from accessing data on a private network. Make sure the operating system’s firewall is enabled and properly configured. If employees work from home, ensure that their home system(s) are protected by a firewall.

Control Access To Computers

Control physical access to your computers and create a user account for each employee. Ensure that mobile devices and laptops are locked up or protected by adequate passwords when unattended. Administrative privileges should only be given to trusted IT staff and key personnel.

To learn more about the Stop.Think.Connect. Campaign, visit www.dhs.gov/stopthinkconnect. 

1 Utilize the National Cybersecurity and Communications Integration Center’s (NCCIC) website that can help you develop a solid cybersecurity plan for your business.