Farmers Market - Shield Insurance Agency Blog

Stop by the Farmers Market in Hudsonville!

TODAY June 2, 2021 9am to 1pm

at the Terra Square

Stop by to meet Joe, Sean and his wife Kat, and register to win a robot vacuum or local gift cards!!

All the details can be found at the Chamber website be sure to check it out and visit the market!


TERRA SQUARE FARMERS MARKET Shield Insurance Agency

The home of Hudsonville’s Farmers Market.
Hudsonville farmers are passionate about bringing the community together over farm fresh produce they have been growing for generations. The Terra Square Farmer’s Market will be a place where we inspire healthy, full, and abundant living. Growing together, food and community.

Click here to visit the web site for all the detais !

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Shield Insurance Nominated for Business Excellence Award - Shield Insurance Agency Blog

Join the Celebration: Shield Insurance Agency Recognized for Business Excellence!

Shield Insurance Agency | Shield Blog | About Us | Start A Quote Today! | Business Excellence Award

We are pleased to announce that Shield Insurance Agency has been nominated for the prestigious Business Excellence Award. This recognition is a testament to our commitment to providing exceptional insurance services and our dedication to our clients.

The Business Excellence Award is given to companies that have demonstrated outstanding performance, innovation, and leadership in their respective industries. It recognizes organizations that have achieved significant growth, maintained high ethical standards, and made a positive impact on their communities.

We are honored to be considered for this award and would like to express our gratitude to our clients for their continued support and trust in our services. This nomination serves as motivation for us to continue delivering the highest level of service and to constantly improve our offerings.

We would also like to extend our appreciation to our dedicated team members who have worked tirelessly to ensure the success of our agency. Their hard work, expertise, and commitment to excellence have been instrumental in our nomination for this prestigious award.

Winners of the Business Excellence Award will be announced at a ceremony later this year. We are excited about the opportunity to be recognized among other outstanding businesses and look forward to the results.

Once again, we would like to thank everyone who has contributed to our success and helped us achieve this nomination. We remain committed to providing exceptional insurance services and being a trusted partner for all our clients’ insurance needs.

Thank you for your continued support.

Big News from the Hudsonville Chamber of Commerce!

It’s Awards Season!


The Chamber is SO excited to be hosting the Chamber Awards once again this year!

Here are our nominees for the 2021 Awards!
::::: drumroll :::::

Business Excellence Award

  • Hudsonville Physical Therapy
  • Advent Physical Therapy
  • Shield Insurance Agency

Leadership Award

  • Dr. Therese House-Vereeke
  • Patrick Waterman
  • Mary Jane Schreur

Spark Award

  • Hand 2 Hand Ministries
  • Meijer
  • Joy 99

The winners of the Awards will be announced at our official Awards Ceremony MEAL. June 17th at noon at the Pinnacle Center.

Make sure to get registered, we hope to see you there!


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Michigan Tornado - Shield Insurance Agency Blog

Michigan Tornado: Be Prepared

Michigan Tornado

On average Michigan has 15 tornadoes per year. Tornadoes are known to develop rapidly, with little advanced warning. The average lead time for a Michigan tornado warning is 10 to 15 minutes and winds can reach over 200 mph, which is why Michigan residents are encouraged to prepare and make a plan before a tornado strikes.

Each year during Severe Weather Awareness Week, a statewide tornado drill is held so you can practice your plan.

BE PREPARED:

Terms:

Michigan Tornado Watch: Tornadoes are possible. When there is a Watch, move near enough to a shelter or sturdy building to be able to get inside quickly if there is a Warning or if you see signs of a tornado approaching. Remain alert for approaching storms. Watch the sky and stay tuned to NOAA Weather Radio, commercial radio, or television for information.

Michigan Tornado Warning: A tornado has been sighted or indicated by weather radar. Take shelter immediately.

Supercell: A system producing severe thunderstorms, featuring rotating winds sustained by a prolonged updraft that may result in hail or tornadoes.

Enhanced Fujita (EF) Scale: Rates the strength of tornadoes in the United States and Canada. There are six categories for the EF scale and are in order of increasing intensity. *It is based on wind estimates of a 3-second gust.*

  • EF0: Tornadoes with an estimated wind speed of 65-85 mph and leads to light damage.
  • EF1: Estimated wind speed of 86-110 mph with the potential of moderate damage.
  • EF2: Estimated wind speeds of 111-135 mph with significant damage potential.
  • EF3: Estimated wind speeds of 136-165 mph with severe damage potential.
  • EF4: Estimated wind speeds of 166-200 mph with devastating damage potential.
  • EF5: Estimated wind speeds of over 200 mph with incredible damage potential.

Before a Michigan Tornado:

  • Identify safe rooms built to FEMA criteria or ICC500 storm shelters or other potential protective locations in sturdy buildings near your home, work, and other locations you frequent so you have a plan for where you will go quickly for safety when there is a Warning or an approaching tornado.
  • For schools, malls, and other buildings with long-span roofs or open space plans, or many occupants, ask the building manager to identify the best available refuge. 
  • Build an emergency kit and make a family communications plan.
  • Sign up for your community’s warning system.  The Emergency Alert System (EAS) and National Oceanic and Atmospheric Administration (NOAA) Weather Radio also provide emergency alerts.  If your community has sirens, become familiar with the warning tone.
  • Listen to NOAA Weather Radio or to commercial radio or television newscasts for the latest information. Meteorologists can predict when conditions might be right for a tornado.  In an emergency, always listen to the instructions given by local emergency management officials.
  • Be alert to changing weather conditions.  Look for approaching storms.
  • Look for the following danger signs:
    • Dark, often greenish sky
    • Large hail
    • A large, dark, low-lying cloud (particularly if rotating)
    • Loud roar, similar to a freight train.
    • If you see approaching storms or any of the danger signs, be prepared to take shelter immediately.

During a Tornado:

  • If you are under a tornado warning, seek shelter immediately!  Most injuries associated with high winds are from flying debris, so remember to protect your head.
  • If you are in school, nursing home, hospital, factory, shopping center, high-rise building then:       
    • Go to a pre-designated area such as a safe room built to FEMA criteria, basement, storm shelter, or the lowest building level. If there is no basement, go to the center of a smaller interior room, such as a closet or hallway, that is away from corners, windows, doors, and outside walls. Put as many walls as possible between you and the outside. Get under a sturdy table and cover your head and neck with your arms and cover your body as best you can e.g., with a heavy coat or blankets, pillows.
    • In a high-rise building, go to a small interior room or hallway on the lowest floor possible.
    • Do not open windows.

After The Tornado

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How to Get the Best Fuel Economy - Shield Insurance Agency Blog

How to Get the Best Fuel Economy

Try our test-based tips to save at the pump, and see which myths we bust

How you drive can significantly affect your fuel economy. That’s the key finding of CR’s fuel-economy tests. Even when fuel prices are very low, you can still save serious money by making small changes to your driving style and habits.

CR has gathered its best test-based tips and techniques for getting the most gas mileage from your car to help ease the pain at the pump.

The FAQ below addresses common questions we receive and dispels some fuel-economy myths.  

What’s the Best Way to Cut Fuel Costs?

Slow down. In our tests, we’ve found that driving faster on the highway can really take a bite out of a car’s fuel efficiency.

We measured gas mileage while driving at a steady 55, 65, and 75 mph in a Nissan Altima and Toyota RAV4. Reducing speed from 65 mph to 55 mph improved fuel economy by 6 mpg in the Altima and 8 mpg in the RAV4. 

The penalty of cruising at 75 mph, rather than 65 mph, was almost 7 mpg in the Altima and 6 mpg in the RAV4. 

These findings are similar to what we have recorded in the past, once again proving that higher speeds exact a toll on fuel consumption. 

Another way to look at it: Speeding up from 55 to 75 mph is like moving from a compact car to a large SUV. Beyond fuel concerns, speeding is, of course, a safety risk as well.

Avoid hard acceleration and braking whenever possible. In our tests, frequent bursts of acceleration and braking reduced an older Toyota Camry’s mileage by 2 to 3 mpg. Once up to speed on the highway, maintain a steady pace.

The harder you accelerate, the more fuel you use. Unnecessary braking wastes the fuel you used to get up to speed. Drive smoothly and anticipate the movement of traffic. Once up to speed, maintain a steady pace. Smooth acceleration, cornering, and braking also extend the life of the engine, transmission, brakes, and tires.

What’s the Impact of Carrying Stuff on the Roof?

At highway speeds, more than 50 percent of engine power goes to overcoming aerodynamic drag. Don’t add to that by carrying unneeded things on the roof. We did fuel economy tests at highway speed on a Nissan Altima and Toyota RAV4 with a roof rack, tail-hitch rack, and a roof-top box.

Carrying two mountain bikes on the roof had the biggest impact. The Altima lost 13 mpg, going from 46 mpg down to 33. The RAV4 lost 7 mpg, dropping to 32 mpg from 39 mpg.

There’s even a loss when driving with the empty roof rack installed: The Altima dropped 5 mpg and the Toyota lost 2 mpg.

The Nissan lost 12 mpg with the bikes on the hitch-mounted rack, while the RAV4 was down only 5 mpg. The bikes stuck out to the sides of the sedan, which created extra drag. They were mostly hidden behind the wider, boxier RAV4’s bodywork.

The roof-top box resulted in a 9 mpg decrease for the Altima, and a 5 mpg drop for the RAV4.

Overall, the aerodynamic drag doesn’t hurt the more boxy RAV4 as much as the sleeker Altima. 

Going across town, this may not be a concern. But on a multistate family road trip, a carrier or rack on the roof would have a real impact on fuel costs. And it could create some annoying wind noise. 

Use AC or Open Windows?

The harder the AC system has to work, the worse the impact on fuel economy. When we measured the fuel-economy difference in a  2008 Ford Focus, Honda  Accord, and Subaru Forester, we found that fuel use with the  AC running went up with higher outside temperatures.  

At 55° F, there were negligible differences. But when we measured again on days when the temperature was in the low 70s and high 80s, we got fewer miles per gallon with the AC on.

In general, expect a drop from 1 to 4 mpg with the air conditioning running. The effect of opening the windows at 65 mph was not measurable. In any case, the AC helps dehumidify the cabin, which can contribute to keeping the driver alert and safe. We think that’s a worthwhile trade-off.

How Far Can You Go When the Low-Fuel Warning Light Comes On?

There is no set rule, but most cars have a reserve of between 1 and 2 gallons of gas when the light goes on, or enough to travel about 40 to 50 miles or so at a moderate speed.

To maximize those last couple of gallons, we suggest slowing down and maintaining a steady pace. Because you never know what challenges life will serve up, including traffic, don’t rely on the light as your cue to fill up. 

Click here for the rest of the story…

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Careful when choosing your deductible - Shield Insurance Agency Blog

Careful when choosing your deductible

Choosing Your Deductible | Shield Insurance Agency Blog | Start A Quote Today!

Careful when choosing your deductible

A high deductible is often a great way to keep your insurance premiums down.  However, you shouldn’t set a deductible that is so high that you cannot afford to pay the deductible when you have a claim.  I’ve seen people change their collision deductible from a $500 deductible to a $1,000 deductible because money was tight and this allowed them to save about $10 per month on the premium.

Wouldn’t you know it, but not even 2 months later they ended up in an At-Fault accident.  Money was tight so they didn’t have that $1,000 to get the vehicle repaired. It took forever to save up that $1,000 so they were down to one vehicle which made it tough getting back and forth to work.

Please make sure you have something in savings for an emergency.  Whether it’s a car accident or your furnace breaks down. Emergencies will happen, but if you’re prepared, you can transform that emergency into an inconvenience.

submitted by Joe


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Insurance Terms Important to Know - Shield Insurance Agency Blog

Insurance Terms Important to Know

Shield Insurance Agency & Foremost Insurance Company present Insurance Terms

Every industry has its own unique language – and insurance is no exception. Here are some key insurance definitions and terms you might come across as you consider insuring yourself or your stuff.

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Hemingway and Michigan Summers - Shield Insurance Agency Blog

Hemingway & Michigan Summers

Shield Insurance Blog | Hemingway |

Ken Burns’ Hemingway Documentary Includes Michigan Summers

By MYNORTH NEWS SERVICE on March 12, 2021

Award-winning filmmakers Ken Burns and Lynn Novick direct the upcoming three-part, six-hour documentary on Ernest Hemingway, including historical photographs of the writer’s summers spent in Northern Michigan.

The series about Hemingway, the iconic literary figure considered one of the greatest American writers, will premiere on central and Northern Michigan PBS affiliate, WCMU Public Media, April 5 at 8 p.m., and include voice actors Jeff Daniels as Hemingway; plus Meryl Streep, Keri Russell, Mary-Louise Parker, and Patricia Clarkson as Hemingway’s four wives. The documentary series will also include historical photographs of Hemingway’s time spent in Northern Michigan, provided by Michigan’s Clarke Historical Library.

“The extraordinary pictures in the photo albums at the Clarke Library are absolutely irreplaceable to our film,” shares filmmaker Lynn Novick about the important photographs the Clarke Historical Library provided for the documentary series. “They make it possible for us to represent Hemingway’s family and life in Michigan in the most vivid, tangible, and authentic way, and we are so grateful to be able to include them.”

In anticipation of this series, and to explore Hemingway’s deep ties to Northern Michigan along with how they influenced his attitudes, passions, and writings, WCMU Public Media is partnering with the Clarke Historical Library and noted Hemingway historian Michael Federspiel for “Hemingway in Michigan: A Live Streaming Event” Wednesday, March 31 at 6 p.m.

During this virtual event, attendees will enjoy “Let’s Go Back” video stories featuring the Clarke Historical Library’s Hemingway Collection containing one-of-a-kind items from the legendary author’s life, watch an exclusive advanced preview of the Hemingway documentary series before its April 5 nationwide premiere on PBS, and participate in a question-and-answer session with Hemingway experts, including filmmaker Lynn Novick and producer Sarah Botstein.

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Are Electric Space Heaters Safe - Shield Insurance Agency Blog

Are Electric Space Heaters Safe?

Are electric space heaters safe?

Electric space heaters can be used safely, but they are not the safest option for staying warm when the temperature drops.

According to the National Fire Protection Association (NFPA), space heaters account for 43% of home heating fires and 85% of home heating deaths.

They can also be a hazard in the workplace. While there are no federal safety rules prohibiting space heaters at a worksite, you should follow local rules and regulations. OSHA also requires businesses to follow all manufacturer specifications on the unit’s label and in the user manual when using electrical equipment.

So, if you’ve tried other ways to warm the area, like adjusting your HVAC system or adding weather stripping, and it’s just not working, an electric space heater might be the next best option. And it can be used safely at home or in the workplace when you take the right precautions.

Here are steps you can take to increase space heater safety for your home or business.

Use your indoor electric space heater safely

Here’s how to increase safety while enjoying the warm comfort of your electric space heater indoors:

  • Follow all manufacturer’s instructions and guidelines.
  • Before you use it, do an inspection of the space heater to check for damage on its parts, knobs, coils, and legs. If any damage is detected, take the space heater out of service immediately and have it repaired by a professional.
  • Place the space heater at least six feet away from combustible materials and never place anything on top of or touching it.
  • Keep a fire extinguisher near each space heater.
  • Put your space heater on a level, hard and nonflammable surface. Avoid furniture, countertops, rugs, or carpets. Keep it out of high-traffic areas, such as doorways.
  • Make sure your space heater is plugged into properly grounded outlets. Do not use extension cords or power strips.
  • Turn off the space heater when no one is occupying that area or when it is out of sight.
  • Do not use space heaters if small children are in the area.
  • Unplug space heaters at the end of each day and make sure the unit has cooled before exiting the room or job site.
  • Only use a space heater as a temporary (not permanent) heat source.
  • Make sure your smoke and carbon monoxide detectors are in good working condition.
  • For business use, require employees to request permission from a supervisor or facility manager.

When you use your electric space heater the right way, you are reducing the likelihood of property damage and injuries — keeping you and the important things around you safe and sound.

Safely use electric space heaters outdoors

Many restaurants, schools, offices, and other businesses use outdoor spaces during the cooler months of the year and rely on outdoor heaters to keep businesses running and people warm. Check out these safety tips for heating and storing propane cylinders and other outdoor space heaters

  • Use propane heaters in accordance with the manufacturer’s instructions.
  • Set up heaters in open, ventilated areas. Propane cylinders cannot be used in enclosed spaces.
  • Use the shortest possible hose to operate the propane cylinder.
  • Follow restrictions based on occupancy. For example, restaurants with 50 or more occupants cannot have propane cylinders within five feet of exits.
  • Store propane cylinders inside and in an area with minimal potential exposure to temperature increases, physical damage, etc.

There are also electric patio heater options for heating the outdoors.

NFPA recommends following these safety guidelines for electric patio heaters:

  • Follow the manufacturer’s guidelines for safe use and storage.
  • Complete proper inspection, cleaning, and maintenance procedures for each use.
  • Be mindful of necessary clearances from the heating element as well as installation and wiring requirements.
  • Pay attention to the power requirements and whether an electric patio heater can be plugged into an outdoor extension cord and receptacle, power tap, or multiplug adapter safely.
  • Ensure any extension cords used are in good condition and free from splices or deterioration.

It’s possible to accomplish the safe use of space heaters by following the right precautions during setup, use, and storage.

Keep this article handy as a quick reference for basic space heater safety indoors and outdoors.

Things to consider before you buy or replace an electric space heater

In addition to using your space heater safely, here are other safety tips to consider for buying, maintaining, or replacing an electric space heater

  • Understand which type of space heater you have. There are convection and radiant heaters. Convection space heaters circulate air in the room. Radiant space heaters emit infrared radiation that directly heats the objects and people in line with the space heater.
  • Invest in an electric space heater with added safety features. An automatic shut-off feature if the heater falls over or heating element guards are good features to look for.
  • Consider the hours you have used your space heater as an indication for when it is time to replace it. For example, a space heater you have used daily for two years might need to be replaced due to the long hours of use. Replace your heater with a newer, safer model when possible.

Electric space heater safety is essential for you and the people around you. Practice safe use of space heaters on a regular basis to reduce the risk of fire in your home or business.

This article is for informational and suggestion purposes only. Talk to your Shield Insurance Agent to learn more about Homeowners and Business insurance coverage options

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