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Watch out for Biting Dogs, Mother Hens and Falling Cows

From lumbering, wild farm animals to cute and cuddly household pets, animals serve several purposes in our lives: providing love and companionship, improved health and sometimes even food. But cute and cuddly, domesticated or wild, animals can sometimes be dangerous—a fact many people don’t take seriously enough.

 

Domesticated Animals

 

According to the Centers for Disease Control and Prevention (CDC), about 4.5 million people are bitten by dogs each year. Sometimes it’s because a stranger approaches and startles or threatens them. Other times, they’re simply defending their owners or property.

 

Cats can also hurt people by scratching or biting unexpectedly, sending their owners or visiting friends to the emergency room. Additionally, they can transmit diseases that make others ill and cause more serious health issues, leading to doctor bills and hospital visits that an insurer may or may not cover.

 

Regardless of the reason, pets that injure others can create financial and insurance issues for homeowners or renters, who are always liable for their pets’ actions.

 

The Wild Variety

 

Household pets aren’t the only animals that can injure. Farm animals are also a source of wounds people may not expect—and sometimes their actions are anything but an accident.

 

For example, when confused or threatened, many cows, horses, goats, turkeys and pigs will stomp, kick, spit, head-butt or bite. That’s why it’s important for anyone nearby to signal their presence by speaking; approach animals from the front; and avoid making loud noises or sudden movements that will startle them.

 

Mother animals with newborns are especially sensitive to the presence of humans. If she suspects her babies are being threatened, a mother hen, fox or goat may attack suddenly, catching a passerby totally unaware. If someone gets hurt, it will be the responsibility of the property owner or his insurance company to pay the medical bills.

 

The Unexpected

 

Sometimes accidents happen. Take for instance the case of a man we’ll call “Farmer Brown.” Innocently milking his cows one morning on his dairy farm in Florida, one of Farmer Brown’s Jersey cows accidentally fell on him, pinning him to the ground. Not seriously injured, he was transported to a hospital some distance away.

 

But Farmer Brown was lucky. His injuries were mild, and he was released later that day.

 

In another strange case, a cow wandered off a cliff and smashed onto a minivan below, narrowly missing killing its occupants.

 

On further observation, the cow, which weighed about 600 pounds, had fallen nearly 200 feet before smashing onto the car’s hood, demolishing the vehicle and breaking the windshield. Somehow, Charles Everson Jr. and his wife, Linda, escaped harm—and were glad to be alive.

 

Can you imagine trying to explain that to your car insurance company?

 

Staying Protected

 

Whether a rancher with a gaggle of farm animals or a homeowner with a house full of dogs and cats, you’re responsible for your animals’ actions. That’s why it’s important to buy insurance coverage that protects your home and wallet.

 

Complete your quote request today, and talk to a licensed insurance agent. You’ll get the protection you need—and keep you and your animals covered.  

For Agents

How Well Do You Listen To Your Customers?
 Are you regarded as a good listener? How do you know? In my opinion, active listening is one of those skills which requires constant attention and practice. I still find myself once in a while interrupting when I shouldn’t or thinking about what I am going to say next in a conversation and forget what a person was stating to me- yikes! This is not good practice, especially in a sales/customer service situation.

 Therefore, if you find yourself in the same predicament from time to time, remember that active listening is crucial when determining the needs of a customer and providing the best products for them. Active listening involves more than just listening…active listening involves probing for more information, paraphrasing, and acknowledgement that you are listening. If you do not listen well, you may lose a sale.

 Here’s a fun listening exercise that I participated in during a training class a few years back (however, it’s better facilitated as a listening exercise- not a reading exercise). It goes like this:

 You are the bus driver. At stop #1 three people got on the bus, one of them was wearing a blue baseball cap. At stop # 2, five people got on and one exited the bus. At stop #3 two people got on, one person was carrying a bag and the person with the blue baseball cap got off. What is the bus driver’s age?

 If you answered the age, which is yours by the way since you are the bus driver, then you passed! If not, then that’s okay, this exercise is a reminder to us all to make the effort to listen effectively to our customers. (Keep in mind that this exercise should be provided verbally in order to be effective)

 Have some fun with your co-workers and see who can pass the listening test!

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What’s Twitter? It’s a web site that lets you share 140-character messages with your friends and followers. For those who use Facebook: it’s essentially Facebook stripped down to the status-update feature
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In Singapore, two ethnic Chinese were imprisoned under the country’s anti-sedition law for posting anti-Muslim remarks in their blogs.

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