Umbrella coverage is aptly named — it gives you added coverage on top of your personal insurance (like homeowners, auto, watercraft, or motorcycle). But how does it relate to you and your current insurance policy? Here's a basic overview to help you understand the coverage.  

You never know when you might get in an auto accident — or who the other driver will be. According to the Insurance Research Council, one in seven drivers doesn’t carry auto insurance. If your car is hit by one of those drivers, it could mean substantial costs to you.

That’s where uninsured motorists and underinsured motorists coverage come in. They often are built right into your auto policy, although the coverage requirements vary by state.

For sports fans, it's the definition of "the big game." For casual viewers, it's a chance to see which ads are setting the standard for comedy and creativity. But for those attending a Super Bowl party, it's a chance to tackle some indulgent treats. 

Snacking is inherently part of any viewing party, but the variety of dishes and the longevity of the game can put your guests at risk of food-borne illness. 

Did you know that falls are a leading cause of injury and death in the U.S.?

More than 9 million people are seen by medical providers each year for slip and fall accidents and related injuries, and one-fifth of falls cause serious bodily harm like a broken bone or head injury. Sadly, most are preventable and could have been avoided with proper preparation and training.

During winter weather conditions, the stakes are even higher with wet floors and icy surfaces. Businesses can help prevent slip and falls on two fronts—for associates and customers.

Many livestock owners need to spread manure, even during the winter months. But winter snowfall and spring thaws can create challenges for manure management. When manure isn't effectively absorbed into the soil, it can run off into surface water, ditches, and streams.