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# Landmark Risk Management

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## Posts

- [Technology enhances service but can’t replace relationships](https://landmarkriskmanagement.com/2022/07/07/technology-enhances-service-but-cant-replace-relationships/) - By Steve Spray An independent agent brings expertise and emotional IQ to each client. Lives change and businesses grow and transform over time. That’s why we feel people are best served by independent insurance agents who have the expertise to evaluate an evolving risk profile and offer educated advice and products. Building a relationship with an
- [Prepare your property for wildfire, then review plans annually](https://landmarkriskmanagement.com/2022/06/28/prepare-your-property-for-wildfire-then-review-plans-annually/) - By Dorothy Sarna and Matt Hunter Be proactive about preparing for the danger of wildfires. Even if you’ve taken precautions to make your home or business resistant to wildfire, take time each year to review your preparations. Let’s discuss the why, the what and the how of wildfire preparation for homeowners and business owners. Find additional tips on
- [Review your business life insurance policy annually](https://landmarkriskmanagement.com/2022/06/07/review-your-business-life-insurance-policy-annually/) - By Dane Albright Life insurance can be a valuable part of your business plans. We recognize and expect changes in the economy, but the uncertainty of those changes calls us to be vigilant in our business continuation plans. The ability to recover quickly after an unexpected event starts with building a policy that is tailored to
- [Pandemic put spotlight on virtual home inspections](https://landmarkriskmanagement.com/2022/05/31/pandemic-put-spotlight-on-virtual-home-inspections/) - By Mandelyn Gerhart Virtual home inspections, necessary during the pandemic, remain popular because of convenience. When you buy home insurance, the amount of coverage you purchase should be the amount that it would cost to rebuild the home. Insurers have generally used home inspections to help determine home value. But since the pandemic hit, travel restrictions
- [Summer! Time for play … and maybe some work, too](https://landmarkriskmanagement.com/2022/05/24/summer-time-for-play-and-maybe-some-work-too/) - By Cincinnati Insurance Sharing a meal from the grill is a great way to kick off the summer this holiday weekend. Memorial Day traditionally marks the beginning of summer: time to grill on the patio, take the boat out, work in the garden or make a dent on that list of home improvement projects. Whatever your
- [Steps following a car accident can help in a crunch](https://landmarkriskmanagement.com/2022/05/17/steps-following-a-car-accident-can-help-in-a-crunch/) - By Cincinnati Loss Control If you are able, take photos to document circumstances of the accident. Your first instinct after a car accident may be to call for help. Do you have a plan for what comes next? Being proactive in your response can help keep you, your passengers and your property safe while simplifying the
- [Help your insurance agent help you](https://landmarkriskmanagement.com/2022/05/10/help-your-insurance-agent-help-you/) - By Beth Holland Your agent is best positioned to advise you when they have all the facts. Your local independent insurance agent is prepared to create a personalized coverage plan tailored to meet your and your family’s insurance needs. However, it’s important to be prepared with the information they need so they can offer you the
- [Know the truth about insurance](https://landmarkriskmanagement.com/2022/05/03/know-the-truth-about-insurance/) - By Beth Holland Just as you would before any important purchase, do some research before buying insurance. Most people research major purchases such as houses, cars or electronics to assure they receive the best value for their money. It’s equally important to know what you’re getting when you buy insurance to protect your family and financial
- [Tips to help control insurance costs](https://landmarkriskmanagement.com/2022/04/26/tips-to-help-control-insurance-costs/) - By Beth Holland Much like the price of groceries and gasoline, insurance premiums are increasing. Especially if you haven’t had a claim, you may wonder why your policy’s cost has gone up. Insurance premiums are tied closely to costs of labor, building materials and medical care. As these prices rise, the costs to treat injuries after
- [Enjoy the bicycle boom: 5 tips for safe riding](https://landmarkriskmanagement.com/2022/04/19/enjoy-the-bicycle-boom-5-tips-for-safe-riding/) - Make yourself visible no matter the time of day. Reflectors help, but flashing lights are even better. I put more miles on my bike than my car in 2021. Sticking to a few rules of the road kept me safe and accident-free, and I’d like to share them with you: 1. Be seen, but ride
- [A refresher on water sport and boating safety](https://landmarkriskmanagement.com/2022/04/12/a-refresher-on-water-sport-and-boating-safety/) - Boating activity rose significantly during the pandemic, based on increased boat sales, new insurance policies and increased claims and calls for towing assistance. With more people on the water comes more potential for injuries. In its annual report of recreational boating statistics for 2020, the most recent year available, the U.S. Coast Guard counted more than
- [How to get the most from a shingled roof](https://landmarkriskmanagement.com/2022/04/05/how-to-get-the-most-from-a-shingled-roof/) - Shrinking and expansion can reduce the life expectancy of a shingled roof. I bought my house with a new roof back in 2004. At that time, the roof was replaced by the sellers due to improper installation when the home was built in 2000. Why did I turn around and completely replace my asphalt shingle
- [Car mirror adjustment – lean into it](https://landmarkriskmanagement.com/2022/03/29/car-mirror-adjustment-lean-into-it/) - “The other car was in my blind spot!” I hear this frequently when discussing lane change or merge crashes that our policyholders have experienced. It makes me sad to hear this as the explanation given, because knowing how to adjust and use mirrors is one of the easiest and most effective ways to prevent this
- [Drizzle or downpour, drive safely in the rain](https://landmarkriskmanagement.com/2022/03/22/drizzle-or-downpour-drive-safely-in-the-rain/) - No matter what part of the country you live in, eventually everyone will encounter driving in the rain. Whether it’s a light sprinkle or a full downpour, it’s important to be prepared. CHECK MECHANICS Make sure your auto is in good condition before bad weather hits. Check your headlights, taillights and windshield wipers to ensure they
- [Fleet tracking rewards drivers, businesses](https://landmarkriskmanagement.com/2022/03/15/fleet-tracking-rewards-drivers-businesses/) - What if a business owner could deploy technology that would monitor their vehicle fleet, help reduce expenses and encourage their employees to drive safely? Those goals are now within reach using vehicle telematics. And your insurance company is likely already on board. DESCRIBE VEHICLE TELEMATICS Telematics systems can monitor data about fleet performance, fuel consumption,
- [Insurance can protect your pandemic renovations](https://landmarkriskmanagement.com/2022/03/08/insurance-can-protect-your-pandemic-renovations/) - Consider all factors when calculating replacement cost after home renovations. If you are like millions of other people, during the pandemic you have made improvements to your property. Whether you installed a pool, remodeled rooms or finished your basement, now is a good time to check in with your independent agent to ensure your homeowner
- [What’s included in a homeowner policy?](https://landmarkriskmanagement.com/2022/03/01/whats-included-in-a-homeowner-policy/) - Homeowner insurance is much more than just coverage for your home and other structures. As a consumer, you need to know what your policy covers and protect yourself with enough coverage. COVERAGE FOR YOUR HOME AND OTHER STRUCTURES If you have a mortgage on your home, the lender typically will advise an acceptable limit for
- [Managing hiring risks during labor shortages](https://landmarkriskmanagement.com/2022/02/23/managing-hiring-risks-during-labor-shortages/) - Many business owners are facing labor shortages made more acute by the coronavirus pandemic. As employers look to hire workers, they struggle to answer tough questions: Do I settle for less qualified candidates? Can I reduce screening to widen the candidate field? Can I rely on contractors and third parties to fill labor gaps? When
- [Tips to protect yourself from tax season scams](https://landmarkriskmanagement.com/2022/02/15/tips-to-protect-yourself-from-tax-season-scams/) - Taxpayers, beware of fraudsters out to trick you for your information. The IRS continues to urge Americans to be vigilant to tax return identity theft threats during the pandemic and its aftermath in its annual list of Dirty Dozen Tax Scams. Here are tips the IRS wants you to know about identity theft so you can avoid becoming a
- [Landlords: 3 reasons to consider requiring renters insurance](https://landmarkriskmanagement.com/2022/02/08/landlords-3-reasons-to-consider-requiring-renters-insurance/) - Many tenants do not obtain their own renters insurance. Either they underestimate the value of their personal possessions or they incorrectly assume the landlord’s policy will cover them. In most states, landlords can require renters to have their own insurance, and here are three reasons a landlord should consider doing just that: You can be
- [6 reasons renters need their own insurance](https://landmarkriskmanagement.com/2022/02/01/6-reasons-renters-need-their-own-insurance/) - Renters insurance can provide affordable protection from loss. Most people know renters insurance covers belongings. But did you know it covers more than just personal property? Many people erroneously assume they are covered by their landlord’s policy and skip this important protection. Many also underestimate the value of their possessions and feel insurance is unnecessary. If
- [Follow tips for portable heater safety](https://landmarkriskmanagement.com/2021/12/14/follow-tips-for-portable-heater-safety/) - Space heaters offer a portable and relatively affordable means of taking the chill out of small spaces. But portable heaters are also a significant source of home fires each year. When you’re in the market for a space heater, be sure to keep safety in mind. The National Fire Protection Association’s January 2021 report on home
- [Older homes: Hidden gems, or hidden pitfalls?](https://landmarkriskmanagement.com/2021/11/30/older-homes-hidden-gems-or-hidden-pitfalls/) - Buying an older home can be appealing for many people. Older homes are usually found in established neighborhoods, have an abundance of character and are often one of a kind. However, hidden expenses could accompany all that charm. Let’s explore some items to keep in mind when purchasing an older home. FOUNDATION ISSUES Foundation issues
- [Inspection gives home buyer a deeper look](https://landmarkriskmanagement.com/2021/11/16/inspection-gives-home-buyer-a-deeper-look/) - Inspect all the details of a home before you close on the purchase. Buying a home is the biggest and most valuable purchase most people make. Many factors could draw you to a home: location, price, updated countertops or a large yard. If you are not careful, you could easily get distracted by the beautiful
- [7 reasons why single people need life insurance](https://landmarkriskmanagement.com/2021/11/03/7-reasons-why-single-people-need-life-insurance/) - Many believe life insurance isn’t a necessity while they’re single, but nothing could be further from the truth. Life insurance is for anyone, and it is useful in many more situations than just providing a cushion for a spouse in the face of suddenly lost income. Here are seven reasons why you might need life
- [How an independent agent stands out](https://landmarkriskmanagement.com/2021/10/26/how-an-independent-agent-stands-out/) - If you’re not in the industry, you may have many questions when purchasing insurance. How do I know what type of insurance I need?How much coverage is the right amount?What is the right insurance company for my lifestyle? Insurance companies – sometimes referred to as carriers – have different structures and use different types of
- [What to watch for when buying a high-rise condo](https://landmarkriskmanagement.com/2021/10/20/what-to-watch-for-when-buying-a-high-rise-condo/) - You move into a new city and purchase a high-rise condo in one of the nicest parts of town. Shortly thereafter, you notice water leaking from the unit above, causing damage to your property. Sadly, this is a common reality for condo owners; water continues to be one of the top perils in high-rise habitational
- [Feeling stressed? Go easy on yourself](https://landmarkriskmanagement.com/2021/10/12/feeling-stressed-go-easy-on-yourself/) - Change can add stress to any family routine, but change amid a pandemic can bring stress to a whole new level. Make sure you recognize signs of increased tension and address it before it impacts your life or health. COMMON SIGNS OF INCREASED STRESS Changes in or difficulty sleeping or concentratingChanges in eating patternsIncreased use
- [October brings focus on fire prevention](https://landmarkriskmanagement.com/2021/10/11/october-brings-focus-on-fire-prevention/) - Cooking is a major cause of fires in homes. Fire safety organizations traditionally conduct fire prevention awareness campaigns in October, coinciding with the anniversary of the Great Chicago Fire of 1871. Though its origin is disputed, the deadly fire burned from October 8 to 10 that year, killing about 300 people, destroying more than 3
- [Fall means family fun for everyone](https://landmarkriskmanagement.com/2021/09/21/fall-means-family-fun-for-everyone/) - The song lyrics “It’s the Most Wonderful Time of the Year” are not just for Christmas, or even back-to-school season for parents of school-age children. If you are anything like me, it applies to the entire season of fall. Here in the Midwest fall – or autumn if you prefer – means comfy sweatshirts or
- [How to protect yourself from fraud](https://landmarkriskmanagement.com/2021/09/14/how-to-protect-yourself-from-fraud/) - Whether you’re planning a much-anticipated remodeling project or facing repairs to fix damage from a storm, hiring a contractor can be a daunting and nerve-wracking task. While most contractors are trustworthy, some are guilty of taking advantage of vulnerable homeowners – especially when the repairs involve an insurance claim. Insurance fraud is a crime that
- [Wildfire: Suppression tips may help keep homes standing](https://landmarkriskmanagement.com/2021/09/07/wildfire-suppression-tips-may-help-keep-homes-standing/) - When a house is still standing after a wildfire destroys neighboring homes, observers often wonder how the home survived. While not every wildfire can be avoided, several factors are key to preventing damage or saving a structure from destruction. With limited resources to respond to a large wildfire, homeowners within Wildland-Urban Interface areas need to
- [What to expect when you apply for life insurance](https://landmarkriskmanagement.com/2021/08/31/what-to-expect-when-you-apply-for-life-insurance/) - You have discussed your life insurance needs with your agent and you’re ready to complete an application. What’s next? That depends. Your age, health, face amount of the policy and the type of policy you choose can all make a difference on the information needed on the application or that might be needed after applying.
- [Safety tips before, during and after a wildfire](https://landmarkriskmanagement.com/2021/08/24/safety-tips-before-during-and-after-a-wildfire/) - Consider these tips to help you and your family before, during and after a wildfire. But if an evacuation is ordered, do not delay; safety is your first priority. BEFORE A WILDFIRE IS IN YOUR AREA Assemble emergency supplies and belongings in a safe placePrepare materials, such as pre-cut plywood or commercial seals, for use
- [Back to school: Some things don’t change](https://landmarkriskmanagement.com/2021/08/10/back-to-school-some-things-dont-change/) - Whether elementary or college age, students are heading back to school. Continued effects of the coronavirus pandemic seem to assure that this will be a back-to-school season like no other. While every community and school district is likely to have its own protocols to cope with the threat of COVID-19, other experiences are universal and
- [International travel is back, but extra steps needed](https://landmarkriskmanagement.com/2021/08/03/international-travel-is-back-but-extra-steps-needed/) - Stay informed on current travel conditions. International travel is once again a possibility for many people. While it is always exciting to visit new countries, you must heed some key tips before visiting, and the global pandemic has added to the list. GENERAL INFORMATION Before your departure – a few months if possible – research
- [Produce safety and your health: Wash first, cut later](https://landmarkriskmanagement.com/2021/07/27/produce-safety-and-your-health-wash-first-cut-later/) - Contaminated food can cause serious illness for people with compromised immune systems. Apples and cantaloupe, lettuce and zucchini – fruits and vegetables from A to Z have all been recalled in recent years for contamination. We’re not talking simply about dirt. We’re talking about pathogens that could make you sick and even be deadly. But
- [Keep the fun in summer with attention to safety](https://landmarkriskmanagement.com/2021/07/20/keep-the-fun-in-summer-with-attention-to-safety/) - Summer. Time to relax and enjoy the fun in your own backyard. But to keep the fun rolling, make sure everyone stays safe and sound. — SWIMMING POOLS AND SPAS If you have a backyard swimming pool, take steps to reduce the likelihood of an accidental drowning. Every year nearly 300 children under the age
- [Contractors caught in post-COVID volatility](https://landmarkriskmanagement.com/2021/07/13/contractors-caught-in-post-covid-volatility/) - Whether you are a homeowner building a deck or a commercial contractor building multimillion-dollar projects, the soaring costs of construction materials is not new news. Even as lumber prices begin to retreat, what might be surprising is the length of time it might take for prices to stabilize overall or at least become more predictable.
- [5 ways to protect your home from wildfire embers](https://landmarkriskmanagement.com/2021/07/06/5-ways-to-protect-your-home-from-wildfire-embers/) - Wind can push wildfire embers into unprotected openings around your home. You’ve taken the precautions to make your home resistant to wildfire by installing non-combustible siding and roofing, removing all wood attachments, managing vegetation and landscaping and providing adequate defensible space, yet you may still be at risk. Your ventilation system could leave your home
- [Aboard a WWII troop ship on Fourth of July](https://landmarkriskmanagement.com/2021/06/29/aboard-a-wwii-troop-ship-on-fourth-of-july/) - Cpl. William Beckman, right, perhaps with his squad after a football scrimmage. July 2, 1944: an American soldier slowly walks the steep incline to board a ship for an extended voyage overseas. All around him the city of New York is alive with the hustle and bustle of everyday life. Kids run around the boardwalk
- [Entrust storm repairs to honest contractors](https://landmarkriskmanagement.com/2021/06/22/entrust-storm-repairs-to-honest-contractors/) - When businesses and homeowners are desperate for help to repair and rebuild after a disaster such as a hurricane, tornado or wildfire, they seek assistance from anyone who will offer help. Unfortunately, there are scammers who prey on those emotions and take advantage of good people in their darkest hour. I have spent my entire
- [Preserve your prized jewelry and watches](https://landmarkriskmanagement.com/2021/06/15/preserve-your-prized-jewelry-and-watches/) - Jewelry and watches have a strong appeal to many people. They can represent sentiment, personal adornment, private assets, family heirlooms and collectible works of art. Because of their unique value, jewelry worn today should be preserved for tomorrow. Consider the following tips to help protect your jewelry: Store jewelry in a clean, protected location, such
- [Healthy swimming: A matter of chemistry](https://landmarkriskmanagement.com/2021/06/08/healthy-swimming-a-matter-of-chemistry/) - Test the water regularly to help maintain a chemical balance in your pool. While Southerners may enjoy swimming year-round, most Americans are limited to a summer pool season – and that means pool chemical season, too. Swimming is the fifth most popular leisure activity in the U.S. according to the U.S. Bureau of Labor Statistics and the
- [The Three Little Pigs and the price of a stick house](https://landmarkriskmanagement.com/2021/06/01/the-three-little-pigs-and-the-price-of-a-stick-house/) - Growing up, I loved reading the tale of “The Three Little Pigs,” never thinking much of how the story – credited to James Halliwell-Phillipps in the late 1800s – could ever relate to my adult life. As an occupational hazard, I often think now of the second little pig: “How is he going to rebuild
- [Make emergency evacuation plan for your horse](https://landmarkriskmanagement.com/2021/05/18/make-emergency-evacuation-plan-for-your-horse/) - Having a disaster plan is critical to keeping your animal companions safe. And horses require extra consideration because of their size and specific transportation needs. In an emergency you may not have much time to safely evacuate your animals, so advance preparation is essential. Consider these best practices when creating an equine evacuation plan: Familiarize
- [Fake job postings: Know the warning signs](https://landmarkriskmanagement.com/2021/05/11/fake-job-postings-know-the-warning-signs/) - Job seekers, beware of scammers out to defraud victims at your most vulnerable. Watch for some common warning signs that a job posting may be a scam: The job description is vagueThe pay seems too high for the positionThe ad directs you to a non-business email addressThe poster uses text messaging to contact or interview
- [3 myths about hurricane wind risks](https://landmarkriskmanagement.com/2021/05/04/3-myths-about-hurricane-wind-risks/) - The 2020 hurricane season was one of the most active seasons in history, and weather experts predict 2021 will be similar. While hurricanes continue to be among the most catastrophic weather events, the good news is that homeowners have effective and affordable options to help reduce damage. Adding protection to a home’s window and door openings
- [Prepare your commercial building for spring](https://landmarkriskmanagement.com/2021/04/27/prepare-your-commercial-building-for-spring/) - We all think of spring cleaning for our homes, both inside and outside, but have you thought about getting your commercial building ready for warmer weather? Let’s review a few key items that may prevent costly repairs and allow you to enjoy the change in seasons without worrying about the condition of your property. FIRE
- [Recycle batteries to stop fires, help planet](https://landmarkriskmanagement.com/2021/04/20/recycle-batteries-to-stop-fires-help-planet/) - Lithium-ion batteries store lots of power in a small, lightweight format, making them a popular component of consumer products from laptops to e-cigarettes. Unfortunately, few of us consider how to dispose of batteries when we are finished with them, and the results may be fueling one of the biggest emerging problems in the world of
- [Coping with loss in a catastrophe: What to do](https://landmarkriskmanagement.com/2021/03/09/coping-with-loss-in-a-catastrophe-what-to-do/) - Protecting yourself and your family is your first priority in the aftermath of a catastrophic event. When your auto, home, business or personal property is damaged or destroyed by a tornado, hail, flood or other destructive event, focus on people first. Promptly treat any injuries and determine if anyone is missing. Next, remain calm and
- [Make a generator part of your emergency backup plan](https://landmarkriskmanagement.com/2021/03/02/make-a-generator-part-of-your-emergency-backup-plan/) - Does your emergency preparedness plan include a generator? Whether you’re facing a public safety power shutoff in California due to red flag wildfire conditions or an ice storm, heavy snow or hurricane that downed power lines or another manmade or environmental emergency, it’s a good idea to be ready for power outages. Outages can last
- [Woodchippers efficient, but demand extra caution](https://landmarkriskmanagement.com/2021/02/23/woodchippers-efficient-but-demand-extra-caution/) - Woodchippers are an efficient way to clean up wood, fallen branches and other debris, but their force and rapidly moving blades pose serious dangers. Follow these safety practices to use a woodchipper safely and effectively. BEFORE STARTING First, know the machine. Make sure you understand how it works, how to access its safety controls, how
- [Tips to protect taxpayers from identity theft during and after the pandemic](https://landmarkriskmanagement.com/2021/02/16/tips-to-protect-taxpayers-from-identity-theft-during-and-after-the-pandemic/) - Taxpayers, beware of fraudsters out to trick you for your information. Tax return identity theft has reached such epidemic proportions that it tops the list of the IRS’s Dirty Dozen Tax Scams. Here are tips the IRS wants you to know about identity theft so you can avoid becoming a victim. Phishing: Taxpayers should be alert to potential fake
- [Walking (and driving) in a winter wonderland](https://landmarkriskmanagement.com/2021/02/09/walking-and-driving-in-a-winter-wonderland/) - I don’t know about you, but I have noticed many more people out and about as the coronavirus pandemic lingers. In my neighborhood, people are jogging, pushing baby carriages, chasing toddlers, walking dogs and riding bikes. On the surface, it’s good to see people getting exercise, fresh air and even socializing at safe distances. But
- [The hidden effect of COVID-19 on fleet safety](https://landmarkriskmanagement.com/2021/02/02/the-hidden-effect-of-covid-19-on-fleet-safety/) - If you’ve driven a motor vehicle since COVID-19 restrictions were initiated in March 2020, you’ve undoubtedly noticed fewer vehicles on the road. You might think this would result in a reduction in overall auto crash rates in general and fatality rates in particular. Unfortunately, it appears just the opposite is happening. While actual miles driven
- [Maintain your hardscape cobblestone and paver walkways](https://landmarkriskmanagement.com/2021/01/19/maintain-your-hardscape-cobblestone-and-paver-walkways/) - Cobblestone or interlocking paver driveways or sidewalks can be an attractive addition to your property, providing an architectural element not possible with cement or blacktop; however, cobblestone features may require additional maintenance. Perhaps more than standard concrete or blacktop, cobblestone walkways and parking lots are subject to the ravages of weather, time and excessive use.
- [Never leave a wet floor unattended or unmarked](https://landmarkriskmanagement.com/2021/01/12/never-leave-a-wet-floor-unattended-or-unmarked/) - When unexpected spills, tracked-in snow or rain, leaking appliances or other sources lead to floor contamination, your employees’ response can easily be the difference between a slip and fall, prompting a potential injury claim, or it being a non-event. WET FLOOR PROTOCOL To handle unexpected contamination of your floors, train your employees about wet floor
- [Vacation nightmare… times two](https://landmarkriskmanagement.com/2021/01/05/vacation-nightmare-times-two/) - They say that homes that experience one water loss are likely to experience more. After experiencing two separate water heater leaks in our home while my family was away on vacation, I guess it’s true. THE FLOOD The first incident involved an older water heater, which started leaking while we were gone for a week
- [Consider safety before taking your restaurant outdoors](https://landmarkriskmanagement.com/2020/12/29/consider-safety-before-taking-your-restaurant-outdoors/) - Restaurants seeking new ways to stay operational during the pandemic are constructing temporary structures to extend the outdoor dining season. Yurts, plastic pods, greenhouses, shanties and tents are popping up as restaurants work to serve customers while limiting exposure to COVID-19. Use of these structures without proper safety precautions and adequate protections for customers and
- [Find your main water valve before crisis strikes](https://landmarkriskmanagement.com/2020/12/22/find-your-main-water-valve-before-crisis-strikes/) - You are in your house. Suddenly you see water rushing out of the dishwasher. You need to shut off the water quickly to stop the flow and prevent damage. Would you know where to find the main water valve? Because all adults living in your home should be able to cut the water supply to
- [Skiing: Is it worth the risk? A method to help you decide](https://landmarkriskmanagement.com/2020/12/16/skiing-is-it-worth-the-risk-a-method-to-help-you-decide/) - In both our business and personal lives, risk is unavoidable. But accepting risk needn’t be “all or nothing.” You have options for mitigating an identified risk, and the same principles you might use in assessing a business risk can be used in your personal life. PHASES OF RISK MANAGEMENT Phase 1 of the risk management
- [Sprinklers protect your home from biggest threat: Fire](https://landmarkriskmanagement.com/2020/12/08/sprinklers-protect-your-home-from-biggest-threat-fire/) - Building a new home or considering a major renovation of your existing home? Consider installing or retrofitting with a fire sprinkler system. Sprinklers save lives. One of the most significant threats to your home, its contents and those living there is a fire. Fire departments responded to approximately 1,318,500 fires in 2018 with about 73%
- [Stab-Lok circuit breaker panels: What’s the deal?](https://landmarkriskmanagement.com/2020/12/01/stab-lok-circuit-breaker-panels-whats-the-deal/) - Why has almost every insurance company taken a stance against Federal Pacific Stab-Lok circuit breakers? Short answer: They are known for starting fires. But you can protect your property from a potential loss by identifying whether your facility has Stab-Lok panels and replacing them with safer equipment. THE BACKSTORY Federal Pacific Electric Co. manufactured many
- [The cold is setting in; 5 tips to keep warm](https://landmarkriskmanagement.com/2020/11/24/the-cold-is-setting-in-5-tips-to-keep-warm/) - As temperatures drop and winter takes hold in many parts of the country, now is a good time to prepare for the winter chill and to be reminded of how to stay safe during spells of cold weather. MAKE AN EMERGENCY KIT Build your home emergency kit or make sure your existing kit is up
- [Life insurance part of a business’s risk management](https://landmarkriskmanagement.com/2020/11/17/life-insurance-part-of-a-businesss-risk-management/) - Operating a business requires you to manage risks to preserve assets and prevent losses. You’ve ensured that you have appropriate commercial liability insurance and perhaps directors and officers coverage or employment practices protections. Nevertheless, the biggest risk to your business could be the loss of you or other company leaders. LEADERS ARE KEY When evaluating
- [When kids come to work: 5 tips for businesses and parents](https://landmarkriskmanagement.com/2020/11/10/when-kids-come-to-work-5-tips-for-businesses-and-parents/) - The coronavirus pandemic has prompted business owners and their employees to find new ways to keep employees and their families safe and secure. Many organizations are assisting working parents by allowing employees to bring their children to work. In areas where traditional daycare facilities may be unavailable, some employers are setting up temporary daycare services
- [Precautions to take if you feel the earth shake](https://landmarkriskmanagement.com/2020/11/03/precautions-to-take-if-you-feel-the-earth-shake/) - Imagine sitting down for a delicious meal with your family. You’re about to enjoy your first bite when you hear what sounds like a motorcycle passing in your backyard. You feel your body tremble and shake and realize what you heard was not a motorcycle, but the earth cracking beneath you. How do you keep
- [Enjoy your patio heater this fall, but use it safely](https://landmarkriskmanagement.com/2020/10/27/enjoy-your-patio-heater-this-fall-but-use-it-safely/) - Portable, outdoor gas-fired heaters – or patio heaters – are increasingly popular for use at home and in outdoor seating at restaurants, especially with colder weather fast approaching. While the heaters offer comfort, using them involves potential risks. Outdoor heaters are typically a free-standing pole with a reflector dome or shield and a base that
- [Low temperature sensor: A smart choice to protect your home](https://landmarkriskmanagement.com/2020/10/20/low-temperature-sensor-a-smart-choice-to-protect-your-home/) - So many smart home products are reaching the market, homeowners may have trouble choosing which would provide the most benefit. But one product stands out for homes in areas that experience freezing temperatures: Low temperature sensors.When it’s warm and sunny outside, it’s easy to forget about cold weather. You may even think you live in
- [Sprinkler systems – Effective when maintained](https://landmarkriskmanagement.com/2020/10/13/sprinkler-systems-effective-when-maintained/) - Automatic fire sprinklers can save lives and reduce property losses in the event of a fire. But to be effective, they must remain in good working order. Property owners can protect their buildings and occupants through a regular inspection, testing and maintenance program. SPRINKLER SYSTEMS VALUE Research shows automatic fire sprinklers significantly reduce the number
- [Your safety rides on your tires](https://landmarkriskmanagement.com/2020/10/06/your-safety-rides-on-your-tires/) - You and your passengers depend on your tires for a secure ride. Stay safe and save money by regularly maintaining your tires. The National Highway Traffic Safety Administration provides a wealth of tire safety information, including tips for purchasing and maintaining tires. Here are five common questions and answers about tire safety. WHAT IS THE MOST IMPORTANT
- [Questions to help set home replacement cost](https://landmarkriskmanagement.com/2020/10/01/questions-to-help-set-home-replacement-cost/) - When you’re buying homeowner insurance, how do you determine the replacement cost of your home? Many homeowners automatically base the replacement cost on the current market value. But that method could leave you with unpleasant surprises if you have a loss. Your insurance agent can use cost estimator tools to complete a value for you.
- [Get serious about distracted driving](https://landmarkriskmanagement.com/2020/09/22/get-serious-about-distracted-driving/) - Distracted driving has become an escalating and deadly problem. The National Highway Traffic Safety Administration recorded 2,841 distracted driving-related deaths on our nation’s roads in 2018 – 7.8% of all crash fatalities that year. While the number was down from 2017, we have a long way to go considering this is an avoidable risk. NHTSA
- [Prepare your art to withstand hurricanes, floods](https://landmarkriskmanagement.com/2020/09/08/prepare-your-art-to-withstand-hurricanes-floods/) - Just as you prepare your home for severe weather, consider taking steps to prevent damage to your valuable articles and collections. BEFORE THE STORM Prepare your home by adding protective hurricane shutters, hurricane glass windows and roof hurricane clips. Avoid taping windows which can increase potential damage to your property and increase the risk of
- [Emergency planning: Is your family ready?](https://landmarkriskmanagement.com/2020/09/01/emergency-planning-is-your-family-ready/) - Disasters can happen anytime…anywhere…to anyone: Be prepared. The past decade brought an ever-increasing number of natural disasters and other catastrophic events, affecting people and property. Make sure you are ready for the next one by having an emergency plan in place. You’ll also want to prepare supplies to sustain your household for at least three
- [Prepare your home to prevent flood losses](https://landmarkriskmanagement.com/2020/08/25/prepare-your-home-to-prevent-flood-losses/) - You do not have to live in a designated flood zone to be susceptible to flood loss. Because most standard home insurance policies exclude coverage for surface water that damages property, you may need to obtain coverage through the National Flood Insurance Program. Your professional, independent insurance agent can advise you on the best choice to
- [Professional liability coverage options for dentists](https://landmarkriskmanagement.com/2020/08/18/professional-liability-coverage-options-for-dentists/) - The July-August 2020 edition of CDS Review, a publication of the Chicago Dental Society, features an article by Mike Terrell, national program director for Cincinnati’s dentist, veterinarian and optometrist programs. His article describes the differences between occurrence and claims-made insurance coverages and the benefits of each type. This article was republished with the permission of the Chicago
- [5 questions to promote quality in construction management](https://landmarkriskmanagement.com/2020/08/11/5-questions-to-promote-quality-in-construction-management/) - Quality is king in construction. Reputations hinge on excellence, which is why most contractors work hard to ensure they produce quality products. The more robust the quality management process, the better. If you want to test your quality assurance operations, check out these five questions every contractor should consider – and some answers for success
- [Keep your child safe on outdoor play equipment](https://landmarkriskmanagement.com/2020/08/04/keep-your-child-safe-on-outdoor-play-equipment/) - Swings and other outdoor play equipment have always been a popular childhood pastime. They also can be a great alternative to today’s “screen time” and other sedentary activities. However, playing on outdoor equipment does come at a risk. PLAYGROUND DANGERS Consider the following when taking your children outside to play on public playgrounds or home
- [Private company decision makers need D&O insurance](https://landmarkriskmanagement.com/2020/07/28/private-company-decision-makers-need-do-insurance/) - Owners of private companies without shareholders often believe they do not need directors and officers liability coverage. The misconception takes hold, I believe, because small, privately held companies often have no formal board of directors or shareholders – which seemingly limits exposure to lawsuits and dismisses the need for D&O liability coverage. While logical, this
- [Secondary, vacation homes may need extra TLC](https://landmarkriskmanagement.com/2020/07/21/secondary-vacation-homes-may-need-extra-tlc/) - With normal vacation travel disrupted because of pandemic concerns or restrictions, many people are choosing to get away to vacation or secondary homes. Because these homes may not have had inhabitants for quite some time, you’ll want to take a few precautions as you arrive. You’ll also want to make sure things remain secure at
- [Take care with riding mowers on slopes](https://landmarkriskmanagement.com/2020/07/14/take-care-with-riding-mowers-on-slopes/) - Riding mowers seem more popular than ever for trimming the lawn. A self-propelled riding mower with a seated or standing operator is designed to cut larger grassy areas such as residential lawns, golf courses, cemeteries and parks. While riding mowers can efficiently mow flat areas, using them to mow on slopes can be hazardous. Serious
- [Strategies to protect yourself from cyber security risks](https://landmarkriskmanagement.com/2020/07/07/strategies-to-protect-yourself-from-cyber-security-risks/) - Just about everything you do today carries a cyber security risk: networking on social platforms, working from home in the COVID-19 era, video conferencing for work or leisure, paying bills or shopping. Learn how to protect your personal information whenever you engage in technology using your phone, computer or tablet. TIPS FOR ALL AGES Whether
- [Fire up the grill, but follow simple safety tips](https://landmarkriskmanagement.com/2020/06/30/fire-up-the-grill-but-follow-simple-safety-tips/) - Grilling season is here, and with all the social distancing that 2020 has brought us, consumers are eager to do more home cooking at their backyard grills. According to the Hearth, Patio and Barbecue Association, 68% of American grill owners plan to cook out on the Fourth of July. Unfortunately, each summer season also brings
- [Strategies for Reopening Your Club](https://landmarkriskmanagement.com/2020/06/23/strategies-for-reopening-your-club/) - While our industry is uncertain what returning to normal means during the COVID-19 pandemic, club owners and their staff members are preparing to safely reopen. The main concern is maintaining a clean and non-transmissive environment. What guidelines are in place and how do you evaluate them? Create a team to review your facility for risk management and
- [Be ready for lightning storms](https://landmarkriskmanagement.com/2020/06/16/be-ready-for-lightning-storms/) - Thunderstorms can develop rapidly and without warning – often accompanied by lightning. When thunderstorms form in your area and you hear thunder, you are likely within striking distance of the storm. FACTS ABOUT LIGHTNING According to the Insurance Information Institute: Between 2016-2018:An average of 83,991 lightning-related homeowner insurance claims were filed.The average cost per claim
- [Fireworks: Resist dangerous temptation](https://landmarkriskmanagement.com/2020/06/09/fireworks-resist-dangerous-temptation/) - It is hard to deny that fireworks during Independence Day are as American as baseball, hot dogs and apple pie! For many people, celebrating our country’s independence includes setting off fireworks on and around the Fourth of July. With the COVID-19 pandemic causing cancellations of some organized fireworks displays, more people will be motivated to
- [Home’s value, replacement cost not interchangeable](https://landmarkriskmanagement.com/2020/06/03/homes-value-replacement-cost-not-interchangeable/) - When shopping for homeowner insurance, you may hear the terms “market value” and “replacement cost” multiple times. It’s important to have a grasp of the difference. They are not interchangeable. Market value is the selling price on the open market — how much someone will pay for the property. This value can increase when an area is trendy
- [Making L-I-F-E easy: Answering common insurance questions](https://landmarkriskmanagement.com/2020/05/19/making-l-i-f-e-easy-answering-common-insurance-questions/) - Pondering life insurance can swiftly flood your mind with questions. How much do I need? What does life insurance do? How much will it cost? Where do I begin?Life isn’t always easy, but life insurance can be. Spelling out L – I – F – E uncovers our hidden path to answer some of the most common
- [COVID-19: Have a project restart strategy](https://landmarkriskmanagement.com/2020/05/13/covid-19-have-a-project-restart-strategy/) - COVID19: Prepare a strategy before you get back to business as usual.
- [4 tips to assist struggling subcontractors](https://landmarkriskmanagement.com/2020/05/05/4-tips-to-assist-struggling-subcontractors/) - Throughout my construction career, I’ve weathered many storms on projects that were strongly influenced by outside events. The dot-com bubble created massive growth opportunities for construction companies in the late 1990s; then, in early 2000, the bubble burst. Events on September 11, 2001, affected construction projects: contractors and subcontractors endured project cancellations, massive job losses
- [Do you have adequate homeowner insurance coverage?](https://landmarkriskmanagement.com/2020/04/28/do-you-have-adequate-homeowner-insurance-coverage/) - When you think of purchasing insurance, you may feel the most important factor is how much money you can save. We are all inundated with ads pushing a money-saving mindset complete with cute animals, catchy phrases and superstars. Those ads may promote savings in the short run, but you’ll want to weigh one very important
- [Reducing fires and burns in the kitchen](https://landmarkriskmanagement.com/2020/04/21/reducing-fires-and-burns-in-the-kitchen/) - With the dine-in restaurant world shut down, we are cooking more at home – and we have the grocery bills to prove it. But with more cooking and more time being spent at home comes the very real potential for kitchen-related fires and burns, including to children. It’s important to remember some key safety tips
- [Tips for conducting remote, virtual meetings](https://landmarkriskmanagement.com/2020/04/16/tips-for-conducting-remote-virtual-meetings/) - The current coronavirus pandemic has caused millions of employees across the country to work from home for the first time. Many do business now using online meetings and virtual presentations – a difficult transition if you pride yourself on personal service and customer care. But there are ways to keep web conferences or presentations friendly,
- [It’s not too soon to prepare your property for wildfire](https://landmarkriskmanagement.com/2020/04/14/its-not-too-soon-to-prepare-your-property-for-wildfire/) - As the snow melts and springtime blooms, now is a good time to review your wildfire preparation plans. Before long, those green hillsides will dry out, brown and become potential beds of wildfire activity as the heat of summer and early fall settle in. Let’s discuss the why, the what and the how of wildfire
- [Personal umbrella policy protects you from large liability loss](https://landmarkriskmanagement.com/2020/04/07/personal-umbrella-policy-protects-you-from-large-liability-loss/) - Let’s celebrate one of the world’s most useful inventions, umbrellas! They come in many different types from a brolly to bumbershoot and a parapluie. But why stop there? While umbrellas help keep us dry from the rain, a personal umbrella insurance policy helps protect you from the financial consequences of a large liability loss. POTENTIAL
- [Job-seekers: Beware of online employment scams](https://landmarkriskmanagement.com/2020/03/31/job-seekers-beware-of-online-employment-scams/) - Scammers are taking advantage of job applicants by sending fictitious job offers in the name of several major companies. But beware: It’s a hoax designed to get your personal information. Job-seekers should be cautious about revealing personal information to those offering employment through online services. Scammers may specifically target applicants looking for work-from-home positions during
- [Tips for sanitation in the age of coronavirus](https://landmarkriskmanagement.com/2020/03/23/tips-for-sanitation-in-the-age-of-coronavirus/) - While it may be impossible to prevent infection from the new coronavirus, you can take steps to minimize the risk of COVID-19 illness in your home or office. HOME CLEANING The U.S. Centers for Disease Control and Prevention says transmission may occur when infected persons cough or sneeze, releasing respiratory droplets in the air. In
- [OSHA guidance on COVID-19 illness in workplace](https://landmarkriskmanagement.com/2020/03/23/osha-guidance-on-covid-19-illness-in-workplace/) - As the COVID-19 pandemic expands, employers are coping with their obligation to maintain a safe work environment and to comply with government workforce record-keeping requirements. The U.S. Occupational Safety and Health Administration has developed resources to assist these efforts. These links provide information regarding employee safety and proper record-keeping processes and procedures should an employee
- [Should you convert your term life insurance policy?](https://landmarkriskmanagement.com/2020/03/17/should-you-convert-your-term-life-insurance-policy/) - Term life insurance is popular because it allows the consumer to purchase a higher death benefit at a lower price than permanent life insurance, such as whole life and universal life. As the name implies, term insurance provides protection for a specific and limited amount of time. So, what can you do when you realize
- [Think outside the box of chocolates](https://landmarkriskmanagement.com/2020/02/04/think-outside-the-box-of-chocolates/) - Valentine’s Day is almost here. Have you completed your quest for the perfect gift? Would you like to give your loved one something different this year? Many of us go with traditional gifts such as a card, candy or roses. A card can be thoughtful, candy is sweet, and roses are beautiful. Is it possible
- [Protect your business with machinery and equipment insurance](https://landmarkriskmanagement.com/2020/01/14/protect-your-business-with-machinery-and-equipment-insurance/) - Practically every business relies on equipment. Regardless of how simple or complex, your equipment is critical to your business’ successful operation. For example, while an electrical panel is a very basic piece of equipment, imagine trying to operate your business without electricity. Machinery and equipment insurance gives you financial resources to help you restore your
- [Give your chimney a clean sweep](https://landmarkriskmanagement.com/2020/01/07/give-your-chimney-a-clean-sweep/) - Homeowners with a wood-burning fireplace or solid fuel stove or insert can protect your property and your family by having a qualified professional inspect and clean your chimney at least annually. Maintaining a chimney through an annual inspection and cleaning is critical, especially as winter approaches and temperatures drop. According to data from the Consumer Product
- [Holiday list: Give the gift of life insurance!](https://landmarkriskmanagement.com/2019/12/10/holiday-list-give-the-gift-of-life-insurance/) - The annual holiday search is on for the perfect gift for your children or grandchildren. You can spend a lot of time and effort buying gifts … it can be overwhelming. You recognize that as children grow, their interests change. Last year’s trending gifts become this year’s trash. What if I told you there is
- [Are you prepared for winter?](https://landmarkriskmanagement.com/2019/11/20/are-you-prepared-for-winter/) - Your building is probably the most valuable asset you own. Prevention of damage to your building is of utmost importance to you as a property owner. Property damage can mean unforeseen business interruption costs, higher insurance costs and major inconveniences for your organization. Each winter, frozen pipe damage to buildings has been a major problem
- [Selling your car? Take care with title transfer](https://landmarkriskmanagement.com/2019/11/12/selling-your-car-take-care-with-title-transfer/) - You’ve grown tired of your current ride and you’re ready to get something else. You shop around and find a car you like, but you’re not happy with what you’re being offered for trade. You think, “I can get more money by selling this outright.” Happens every day, right? Be careful. If you elect to
- [Security systems: Take the proper steps to protect your home](https://landmarkriskmanagement.com/2019/10/15/security-systems-take-the-proper-steps-to-protect-your-home/) - Claims experience shows that theft losses can be prevented when a central station burglar alarm is installed and activated in your home. Improve your family’s security and reduce the potential of home intrusion by knowing the basics for safety and alarm component options: ALWAYS: Activate your alarm system when you are away and at night.Alert
- [Reduce your risk before a wildfire threatens](https://landmarkriskmanagement.com/2019/10/10/reduce-your-risk-before-a-wildfire-threatens/) - Wildfires – unplanned fires in forests, grasslands or other environments – can threaten homes and lives. While wildfires seem to be more destructive in the past several years, the fact is that more urban areas continue to expand into the Wildland-Urban Interface. This trend has not only increased the number of human-caused fires, but it
- [Add dryer vents to your maintenance routine](https://landmarkriskmanagement.com/2019/08/27/add-dryer-vents-to-your-maintenance-routine/) - You can help prevent a dryer vent fire at your club with a professional, commercial dryer vent cleaning plan. Lint buildup inside dryer ducts is a fire safety hazard, since lint can be extremely flammable and, as a result, is the most common cause of dryer fires. The dryer vent or, more appropriately, the dryer duct or
- [Why is water damage such a big deal?](https://landmarkriskmanagement.com/2019/08/13/why-is-water-damage-such-a-big-deal/) - Water damage is consistently a common and severe cause of loss to homeowners. It is amazing to see the damage that water can do. Water carved the Grand Canyon – just think what it does to drywall or plaster! The good news is that water damage losses can be prevented or mitigated by a properly
- [What to do when buying a new or used car](https://landmarkriskmanagement.com/2019/05/14/what-to-do-when-buying-a-new-or-used-car/) - Congratulations on your new car! Purchasing a new vehicle is exciting, and insurance isn’t normally the first thing on your mind. When you finally think of it, you may be overwhelmed and not sure what to do. Here are some tips. CONTACT YOUR AGENT First things first: You should contact your independent insurance agent to
- [April showers, May flowers and spring home repairs](https://landmarkriskmanagement.com/2019/04/23/april-showers-may-flowers-and-spring-home-repairs/) - Spring weather brings hope for new beginnings and warmer temperatures. Plants, welcomed or not, start to burst out of their winter slumber. Sunshine fills the house, prompting us to spruce up indoors and outdoors. However, these seasonal changes could significantly damage the exterior protective layers of your house, leading to potentially costly structural damage. Watch
- [Distractions contribute to pedestrian deaths, injuries](https://landmarkriskmanagement.com/2019/03/26/distractions-contribute-to-pedestrian-deaths-injuries/) - “I didn’t see them!” That’s usually the first thing someone says when they’ve been involved in a vehicle-pedestrian crash. The latest statistical year shows that 5,977 pedestrians were killed in U.S. traffic crashes – one every 1.5 hours, according to National Highway Traffic Safety Administration figures. In addition, 129,000 pedestrians were treated for non-fatal crash-related
- [Planning key to successful home renovation](https://landmarkriskmanagement.com/2019/03/05/planning-key-to-successful-home-renovation/) - Home improvement projects seem to have no season. While many big outdoor projects happen in spring and summer, homeowners may find the best time to work on a renovation project is when contractors are available or materials are less expensive. In fact, if your project is not weather-dependent, you might get a better deal at
- [Life insurance protects, offers peace of mind](https://landmarkriskmanagement.com/2019/02/12/life-insurance-protects-offers-peace-of-mind/) - Did you know most Americans (78 percent) agree that preparing financially for life’s unknowns is a way to show that you care? In fact, a little closer look at the data finds almost 2 in 3 (65 percent) think that having life insurance is key to taking care of their family financially. These are just
- [Earthquake: Tips to protect your family](https://landmarkriskmanagement.com/2019/01/29/earthquake-tips-to-protect-your-family/) - If you live near a fault line, you likely are no stranger to tremors or other earthquake activity. Preparation may be an ongoing process for your family. The Department of Homeland Security’s Ready.gov website offers a number of tips to help you prepare for an earthquake. BEFORE AN EARTHQUAKE Create a disaster plan to protect you and
- [Strengthen your data privacy practices](https://landmarkriskmanagement.com/2019/01/22/strengthen-your-data-privacy-practices/) - Your business, whatever its size, most likely processes and maintains information every day. At least annually, take time to review your data privacy practices to reinforce your information security and to reassess your cyber protection. Free government resources are available to help protect your customer, employee and business data. The U.S. Federal Trade Commission publishes
- [Knowledge is power in protecting yourself from fraud](https://landmarkriskmanagement.com/2019/01/08/knowledge-is-power-in-protecting-yourself-from-fraud/) - While you work hard to earn money, criminal enterprises are working hard to steal it. So let’s take a minute to brush up on the latest tricks, scams and methods criminals are using to steal data and money from you and your customers. Internet fraud is the use of internet services – or software with
- [Holiday shopping? Tips for the store or online](https://landmarkriskmanagement.com/2018/11/13/holiday-shopping-tips-for-the-store-or-online/) - Shoppers are poised to spread their time and money across both online and physical stores this holiday season, according to a survey conducted for the National Retail Federation. As you grab your mouse or head out to join the crowd, here are some tips to protect yourself and your identity. REDUCE YOUR ONLINE SHOPPING RISKS Take precautions
- [Term vs. permanent life insurance: Which is right for you?](https://landmarkriskmanagement.com/2018/11/06/term-vs-permanent-life-insurance-which-is-right-for-you/) - The biggest question to answer when purchasing life insurance is whether you need a term or permanent policy. Each type has advantages and limitations. To make the right decision, you should know and understand your options. Here are a few questions to consider: How will the money from this policy be used? Do my life
- [Halloween: Tips to make your celebration a treat](https://landmarkriskmanagement.com/2018/10/23/halloween-tips-to-make-your-celebration-a-treat/) - As you and your family bring out the Halloween decorations and prepare for parties and trick-or-treaters, take time to evaluate the liability exposures associated with having guests on your property. Keep the following tips in mind to ensure Halloween is safe and happy for your family and guests. AROUND YOUR HOUSE Make sure sidewalks, driveways
- [Personal insurance: Trends in construction costs](https://landmarkriskmanagement.com/2018/10/16/personal-insurance-trends-in-construction-costs/) - Reconstruction cost – or replacement cost – is the cost of hiring a contractor to replace your home as it is, using materials and design of the same or similar quality. This amount is not the same as market value, which is the value of comparable homes that have sold in your area. Your home’s
- [Know the basics of employment practices liability](https://landmarkriskmanagement.com/2018/10/02/know-the-basics-of-employment-practices-liability/) - Like any business, your club has exposure to employment practices liability. Even in the most professional work environment, there are opportunities for an employee to become disgruntled with employment practices. Many times, the result is a lawsuit or administrative charge, so even a small, seemingly insignificant mistake by a manager can lead to significant financial losses
- [Don’t put it off: Assess your life insurance](https://landmarkriskmanagement.com/2018/09/18/dont-put-it-off-assess-your-life-insurance/) - Would you believe that 1 in 5 families with children under age 18 does not have life insurance? As shocking as that may be to many of us, a 2018 study by LIMRA, a leading insurance and financial services trade organization, also found that 3 in 10 families would be in immediate financial trouble if
- [Poison prevention: Safety tips for parents and caregivers](https://landmarkriskmanagement.com/2018/09/04/poison-prevention-safety-tips-for-parents-and-caregivers/) - More than 2 million people – about half of them under age 6 – swallow or have contact with a poisonous substance each year, according to the American Academy of Pediatrics. Be prepared in case of an accidental poisoning; start now: Place the number for the nationwide poison control center – 1-800-222-1222 — on or
- [Keeping up with the seasons: Time for fall tasks](https://landmarkriskmanagement.com/2018/08/28/keeping-up-with-the-seasons-time-for-fall-tasks/) - We’re less than four weeks from the start of fall: time to start thinking about some annual tasks if you live in a part of the country with seasonal temperature changes. Our bloggers have you covered. Here are some posts from the past that can help you through the change of seasons. INSPECT YOUR HEATING
- [Don’t underestimate the risks of pressure washers](https://landmarkriskmanagement.com/2018/08/14/dont-underestimate-the-risks-of-pressure-washers/) - Pressure washers are a quick way to clean the dirt and grime from siding, driveways, decks, patios, lawn furniture and other items. But while results may look great, users should beware: Pressure washers are deceptively dangerous. The Centers for Disease Control and Prevention recommends several tips to help prevent injuries when operating a pressure washer.
- [Distracted Driving: Raise Your Hand If You’ve Done This](https://landmarkriskmanagement.com/2018/07/20/distracted-driving-raise-your-hand-if-youve-done-this/) - By Christopher Barger You’re driving along; the car in front of you swerves erratically, the driver apparently under the influence. As you pass, you glance over and shake your head. A look of self-righteous indignation crosses your face, but the driver has no clue of your disgust. You look more closely and see that the
- [Homeowner liability is more than child’s play](https://landmarkriskmanagement.com/2018/07/10/homeowner-liability-is-more-than-childs-play/) - Before sending your children out to play, be mindful of the liability they can present. In many cases, your homeowner insurance covers damage to your neighbor’s property if your son or daughter is legally liable, and your liability coverage – whether through your homeowner insurance or a personal umbrella policy – may respond if someone
- [Prevent falls: Help seniors live healthier lives](https://landmarkriskmanagement.com/2018/06/12/prevent-falls-help-seniors-live-healthier-lives/) - As Americans age, seniors are especially at risk of being injured by a fall. But it doesn’t have to be that way. Falls should not be considered a normal, expected result of aging. Nevertheless, they can be serious and costly for older adults. FACTS ABOUT FALLS According to the Centers for Disease Control and Prevention:
- [Heat stress: Don’t underestimate the danger](https://landmarkriskmanagement.com/2018/06/05/heat-stress-dont-underestimate-the-danger/) - Heat is a leading weather-related killer, according to the National Weather Service, and those who work or spend time outdoors should consider strategies to avoid heat-related illnesses. Extremely hot and humid weather makes it difficult for the body to regulate itself, and those who expect to be outdoors for personal or business activities should take
- [Outdoor gatherings: Making memories, not regrets](https://landmarkriskmanagement.com/2018/05/29/outdoor-gatherings-making-memories-not-regrets/) - Block parties, wedding receptions, graduation celebrations, family reunions: These are just some of the events that are fun to take outdoors. But when you’re the host, your concerns need to extend beyond hoping for cooperative weather and stocking snacks. In general, any time you serve alcohol, host a pool party or provide equipment for entertainment,
- [Contractors: Focus on safety to attract talent](https://landmarkriskmanagement.com/2018/05/01/contractors-focus-on-safety-to-attract-talent/) - One of the most urgent issues facing construction contractors is the ability to attract and retain talent. Several factors may be in play, including the perception that construction can be a dangerous vocation. One way you can attract and retain top talent is to provide a safe workplace with people who are properly trained and
- [Personal property may need additional protection](https://landmarkriskmanagement.com/2018/04/17/personal-property-may-need-additional-protection/) - Homeowner insurance isn’t just for the structure of your house. It also provides protection for most of your personal possessions. Some possessions of special value may require additional protection through a personal articles floater that can provide coverage beyond your standard policy. WHAT’S IN YOUR POLICY Before discussing what a personal articles floater is and
- [Call before you dig – 811 nationwide](https://landmarkriskmanagement.com/2018/03/13/call-before-you-dig-811-nationwide/) - What’s on your project list? Are you planting a tree, installing a fence or building a new deck? Perhaps you’ve even made arrangements to rent that post-hole digger, and you’re all ready to go, right? Well, not so quick. Make sure you haven’t forgotten an important factor before you contemplate digging: underground utilities. You certainly
- [Protect workers: Prevent trench hazards](https://landmarkriskmanagement.com/2018/03/06/protect-workers-prevent-trench-hazards/) - In response to an uptick in trench-related deaths among construction workers, the Kentucky Fatality Assessment and Control Evaluation Program has released a hazard alert warning of the dangers of trench work. According to fatality statistics from the Occupational Safety and Health Administration, trenching-related fatalities more than doubled between 2012 and 2016. In the first five
- [In a car accident? Here’s what to do](https://landmarkriskmanagement.com/2018/01/30/in-a-car-accident-heres-what-to-do/) - Nobody likes to think about getting into a car accident, but it can happen to any driver at any time. Taking time in advance to think through the steps to follow after an accident can help keep you and your passengers safe and simplify the process of filing an insurance claim. Here’s what to do if you
- [Helpful tips to locate a life insurance policy](https://landmarkriskmanagement.com/2018/01/17/helpful-tips-to-locate-a-life-insurance-policy/) - After the loss of a loved one, it can be a challenge to locate a life insurance policy … or even know if one exists. After all, it may have been issued 40 to 50 years ago. Here are tips to help find out if your loved one had an active life insurance policy or
- [Time to double-check your pipes!](https://landmarkriskmanagement.com/2018/01/02/time-to-double-check-your-pipes/) - With winter sending an arctic blast across much of North America, homeowners and business owners will want to increase monitoring to prevent damage from frozen pipes. Watch our video for tips on how to prevent pipe freezes. These prior posts from our blog give additional information on how to prevent pipe freezes and offer techniques
- [Is a DIY security system right for you?](https://landmarkriskmanagement.com/2017/12/29/is-a-diy-security-system-right-for-you/) - Keeping your family and home safe with a security system can give you added comfort and confidence. The market for home security has expanded to include DIY systems that are often cheaper and can be customized to fit your needs. With all the options, it can be hard to know what to buy, but with
- [Help Your Employees Fight Distracted Driving](https://landmarkriskmanagement.com/2017/04/13/help-your-employees-fight-distracted-driving/) - By Mark Rose Every business owner wants to see that employees get safely to the jobsite or that cargo or products are safely delivered to their customers. Every year, distracted driving becomes a bigger barrier in the way of that goal. The primary task of anyone behind the steering wheel of a car or truck
- [Protecting Your Identity AND the Environment](https://landmarkriskmanagement.com/2017/04/13/protecting-your-identity-and-the-environment/) - By Maureen Johnson While we know that it’s important to take steps to protect our personal information, it always seems to end up at the bottom of the to-do list. But identity theft is not going away any time soon. According to a report from the U.S. Department of Justice, more than 17 million Americans
- [Our Best Tips To Help Your Property Withstand Winter](https://landmarkriskmanagement.com/2017/01/06/our-best-tips-to-help-your-property-withstand-winter/) - By Cincinnati Insurance If you haven’t made preparations already, now might be your last chance to get your home or business in shape before the coldest months of the year. Here are our best tips for commercial property owners and homeowners that can help you prevent damage from the worst that winter has to offer.
- [Staying Safe While You Celebrate](https://landmarkriskmanagement.com/2016/12/16/staying-safe-while-you-celebrate/) - By Cincinnati Personal Lines You want your holidays to be memorable, but for the right reasons. Help ensure you celebrate a safe and happy holiday by observing these simple – but essential – tips to help safeguard your loved ones and belongings. Celebrate with a live tree – safely Choose the right tree! Healthy trees have
- [Remember Insurance As College Students Head Back](https://landmarkriskmanagement.com/2016/08/29/remember-insurance-as-college-students-head-back/) - By Cincinnati Insurance Back-to-school time is a good time to review your insurance if you have a student headed back to college. Remember to talk to your independent insurance agent for advice to make sure your student’s car, electronics and other belongings are covered. Some coverage may extend from your own personal insurance policies, but
- [Reasons to Buy Life Insurance](https://landmarkriskmanagement.com/2016/08/29/reasons-to-buy-life-insurance/) - By Cincinnati Life Life insurance is too expensive. Life insurance can wait. Life insurance is a waste of money. Life insurance is … Whatever follows this phrase has undoubtedly been uttered to a life insurance agent. However, each of these reasons AGAINST purchasing life insurance can also be a reason FOR purchasing life insurance. If paying
- [Keys to Controlling Business Auto Insurance Costs](https://landmarkriskmanagement.com/2016/07/08/keys-to-controlling-business-auto-insurance-costs/) - By Michael Harrold Insurance underwriters take into account a company’s past automobile loss experience when pricing automobile insurance. By reducing your company’s exposure to auto losses, you may be able to reduce your insurance costs. Three ways to control business auto costs are to review driver history; promote safety awareness and training; and maintain vehicles
- [Safety Comes First When the Pool is Open](https://landmarkriskmanagement.com/2016/06/09/safety-comes-first-when-the-pool-is-open/) - By Brian Rawlings A refreshing pool on a hot day can be so inviting. Children of all ages enjoy splashing in the cool waters in private home-based pools, swim clubs, health clubs, country clubs and public pools. With this fun comes great responsibility. To make sure everyone leaves the pool happy and healthy, pool owners

## Pages

- [St George, UT Insurance](https://landmarkriskmanagement.com/) - [et_pb_section fb_built=”1″ fullwidth=”on” admin_label=”Header” _builder_version=”4.20.0″ use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0.71) 1%|rgba(234,234,234,0.16) 100%” background_color_gradient_overlays_image=”on” background_image=”https://landmarkriskmanagement.com/wp-content/uploads/2023/02/BoulderBadlands-14percenttrimmed.png” custom_padding=”||48px|||” animation_style=”fade” global_colors_info=”{}”][et_pb_fullwidth_header text_orientation=”center” content_max_width=”640px” _builder_version=”4.16″ title_font=”Lato|900|||||||” title_font_size=”120px” content_font=”|700|||||||” content_font_size=”28px” content_line_height=”1.5em” background_color=”rgba(0,0,0,0)” custom_button_one=”on” button_one_text_size=”20px” button_one_text_color=”gcid-b8e81456-70a0-400f-a665-34363d75f5f4″ button_one_bg_color=”rgba(255,255,255,0)” button_one_border_width=”0px” button_one_border_color=”rgba(0,0,0,0)” button_one_border_radius=”0px” button_one_letter_spacing=”2px” button_one_font=”|600||on|||||” button_one_icon=”9||divi||400″ button_one_icon_color=”gcid-282d56b9-96ce-46ac-b528-a9ccbc32c15f” button_one_on_hover=”off” custom_button_two=”on” button_two_text_size=”20px” button_two_text_color=”gcid-b8e81456-70a0-400f-a665-34363d75f5f4″ button_two_bg_color=”rgba(255,255,255,0)” button_two_border_width=”0px” button_two_border_color=”rgba(0,0,0,0)” button_two_border_radius=”0px” button_two_letter_spacing=”2px” button_two_font=”|600||on|||||” button_two_icon=”9||divi||400″ button_two_icon_color=”gcid-282d56b9-96ce-46ac-b528-a9ccbc32c15f” button_two_on_hover=”off” background_layout=”light” custom_margin=”|||” custom_padding=”50px||0px||false|false” title_font_size_tablet=”” title_font_size_phone=”25px” title_font_size_last_edited=”on|desktop” content_font_size_tablet=”28px” content_font_size_phone=”22px”
- [Professional Liability](https://landmarkriskmanagement.com/professional-liability/) - [et_pb_section fb_built=”1″ admin_label=”Projects” _builder_version=”4.16″ custom_padding=”54px|0px|0|0px|false|false” collapsed=”on” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row column_structure=”2_5,3_5″ use_custom_gutter=”on” gutter_width=”4″ make_equal=”on” padding_top_bottom_link_1=”true” padding_top_bottom_link_2=”false” _builder_version=”4.16″ width=”100%” max_width=”1400px” custom_margin=”40px|auto|-10px|auto|false|” custom_padding=”0|0px|0|0px|true|false” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”1%” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”2_5″ _builder_version=”4.16″ background_color_gradient_direction=”90deg” background_color_gradient_start=”#f5f6f9″ background_color_gradient_end=”rgba(245,246,249,0)” custom_padding=”60px||60px|” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2020/11/LMRI-PLI.png” alt=”Professional Liability Landmark Risk Insurance St. George, UT” title_text=”Professional Liability” align=”right” align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.16″ width=”100%” module_alignment=”center” custom_margin=”||-1px|-20%||” custom_margin_tablet=”|||-10%” custom_margin_phone=”|||” custom_margin_last_edited=”on|phone”
- [Vacation Rental Insurance](https://landmarkriskmanagement.com/short-term-vacation-rental-insurance/) - [et_pb_section fb_built=”1″ admin_label=”Projects” _builder_version=”4.16″ custom_padding=”0px|0px|0|0px|false|false” collapsed=”on” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row use_custom_gutter=”on” gutter_width=”4″ make_equal=”on” padding_top_bottom_link_1=”true” padding_top_bottom_link_2=”false” _builder_version=”4.16″ width=”100%” max_width=”1400px” custom_margin=”19px|auto|-10px|auto|false|” custom_padding=”0|0px|0|0px|true|false” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”1%” global_colors_info=”{}” theme_builder_area=”post_content” min_height=”3977.6px”][et_pb_column type=”4_4″ _builder_version=”4.16″ background_color_gradient_direction=”90deg” background_color_gradient_start=”#f5f6f9″ background_color_gradient_end=”rgba(245,246,249,0)” custom_padding=”60px||60px|” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”2em” header_font=”||||||||” header_text_color=”#000000″ header_font_size=”50px” header_2_font=”Lato|900|||||||” header_3_font=”Lato|900|||||||” header_3_font_size=”40px” header_3_line_height=”1.5em” header_4_font=”Lato|700||on|||||” header_4_text_color=”#000000″ header_4_letter_spacing=”3px” header_4_line_height=”1.8em” custom_margin=”-12px||28px|||” custom_padding=”|0px||||” header_3_font_size_tablet=”” header_3_font_size_phone=”25px” header_3_font_size_last_edited=”on|desktop” locked=”off”
- [Who We Are](https://landmarkriskmanagement.com/who-we-are/) - [et_pb_section fb_built=”1″ _builder_version=”4.20.0″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row column_structure=”3_4,1_4″ use_custom_gutter=”on” make_equal=”on” module_class=”team-member-card” _builder_version=”4.27.4″ background_color=”#F5F6F9″ width=”100%” custom_margin=”60px|||” custom_padding=”0px||0px|||” animation_style=”fade” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset4″ box_shadow_horizontal=”20px” box_shadow_vertical=”20px” box_shadow_color=”rgba(43,157,206,0.18)” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”3_4″ _builder_version=”4.16″ background_enable_color=”off” custom_padding=”30px||30px|5%|false|false” custom_padding_tablet=”40px|40px|40px|40px” custom_padding_phone=”40px|40px|40px|40px” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”40px|40px|40px|40px” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”40px|40px|40px|40px” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.4″ text_font=”||||||||” text_text_color=”#000000″ header_font=”||||||||” header_text_color=”#000000″ header_font_size=”50px” header_3_font=”Lato|900|||||||” header_3_font_size=”40px” header_3_line_height=”1.5em” header_4_font=”Lato|700||on|||||” header_4_text_color=”#000000″ header_4_font_size=”16px” header_4_letter_spacing=”1px” header_4_line_height=”1.8em” custom_margin=”-3px||17px|||” custom_padding=”|10vw|||false|false” custom_padding_tablet=”|10vw|||false|false” custom_padding_phone=”|10vw|||false|false” custom_padding_last_edited=”on|desktop”
- [Home](https://landmarkriskmanagement.com/home/) - [et_pb_section fb_built=”1″ fullwidth=”on” admin_label=”Header” _builder_version=”4.19.2″ use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0.72) 0%|rgba(255,255,255,0.19) 100%” background_color_gradient_overlays_image=”on” background_enable_image=”off” parallax=”on” animation_style=”fade” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_fullwidth_header text_orientation=”center” content_max_width=”640px” _builder_version=”4.19.2″ title_font=”Lato|900|||||||” title_font_size=”120px” content_font=”|700|||||||” content_font_size=”28px” content_line_height=”1.5em” background_color=”rgba(0,0,0,0)” custom_button_one=”on” button_one_text_size=”20px” button_one_text_color=”gcid-b8e81456-70a0-400f-a665-34363d75f5f4″ button_one_bg_color=”rgba(255,255,255,0)” button_one_border_width=”0px” button_one_border_color=”rgba(0,0,0,0)” button_one_border_radius=”0px” button_one_letter_spacing=”2px” button_one_font=”|600||on|||||” button_one_icon=”9||divi||400″ button_one_icon_color=”gcid-282d56b9-96ce-46ac-b528-a9ccbc32c15f” button_one_on_hover=”off” custom_button_two=”on” button_two_text_size=”20px” button_two_text_color=”gcid-b8e81456-70a0-400f-a665-34363d75f5f4″ button_two_bg_color=”rgba(255,255,255,0)” button_two_border_width=”0px” button_two_border_color=”rgba(0,0,0,0)” button_two_border_radius=”0px” button_two_letter_spacing=”2px” button_two_font=”|600||on|||||” button_two_icon=”9||divi||400″ button_two_icon_color=”gcid-282d56b9-96ce-46ac-b528-a9ccbc32c15f” button_two_on_hover=”off” background_layout=”light” custom_margin=”|||” custom_padding=”1vw||0px|||” animation_style=”zoom” animation_intensity_zoom=”-5%” title_font_size_tablet=”” title_font_size_phone=”25px”
- [SMS Terms of Service](https://landmarkriskmanagement.com/sms-terms-of-service/) - Landmark Risk Management & InsuranceSMS Terms of Service Last updated May 05, 2026 When you opt-in to the service, we will send you a message to confirm your signup. By opting into this service you can expect to receive updates and notifications related to services from Landmark Risk Management & Insurance! Message and data rates
- [Privacy Policy](https://landmarkriskmanagement.com/privacy-policy/) - [et_pb_section admin_label=”section”] [et_pb_row admin_label=”row”] [et_pb_column type=”4_4″][et_pb_text admin_label=”Text”] Last updated May 05, 2026This Privacy Notice for Landmark Insurance, Inc (doing business as Landmark Risk Management & Insurance) (“we,” “us,” or “our“), describes how and why we might access, collect, store, use, and/or share (“process“) your personal information when you use our services (“Services“), including when you:Visit
- [Stefani Horspool](https://landmarkriskmanagement.com/stefani-horspool/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row column_structure=”1_3,2_3″ _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2026/01/Stefani.webp” title_text=”Stefani” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”|2em|||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][/et_pb_image][/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”] Stefani was born and raised in St. George, Utah, where strong community ties and an active lifestyle helped shape her
- [Destini Christensen](https://landmarkriskmanagement.com/destini-christensen/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” column_structure=”1_3,2_3″ theme_builder_area=”post_content”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”] [/et_pb_text][/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”] Destini joined the insurance industry and became fully licensed right out of
- [Tamie Griffiths](https://landmarkriskmanagement.com/tamie-griffiths/) - [et_pb_section admin_label=”section”] [et_pb_row admin_label=”row”] [et_pb_column type=”4_4″][et_pb_text admin_label=”Text”]Tamie joined the Landmark team the first of 2014. Prior to working here, she spent 9 years “wowing” customers at State Farm, doing all lines of insurance including personal auto and home, small business, life, health and banking services. Those who work with Tamie, quickly come to rely upon
- [Shauna Hafen](https://landmarkriskmanagement.com/shauna-hafen/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”]Shauna Hafen has been a fully licensed part of the Landmark team since 2016. She comes from Oak City, Utah where she lived for 16 years. Shauna has prior administrative
- [Jeremiah Barber](https://landmarkriskmanagement.com/jeremiah-barber/) - [et_pb_section admin_label=”section”] [et_pb_row admin_label=”row”] [et_pb_column type=”4_4″][et_pb_text admin_label=”Text”] Jeremiah Barber joined the team at Landmark Risk Management & Insurance in 2013. He is a Risk Consultant licensed in Property, Casualty, Life & Health insurance. Jeremiah is the office expert on Group & Individual Health Benefits. He graduated from Utah Valley University with a degree in Business
- [Steve Burgess](https://landmarkriskmanagement.com/steve-burgess/) - [et_pb_section admin_label=”section”] [et_pb_row admin_label=”row”] [et_pb_column type=”4_4″][et_pb_text admin_label=”Text”]Steve Burgess, Canadian by Birth, has lived with his wife in St. George for over 20 years. Together they are the parents of 6 children, 4 girls and 2 boys. After spending about ten years in construction management, he transitioned to Insurance and Financial Consulting. For the last ten
- [Nick Ence](https://landmarkriskmanagement.com/nick-ence/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”] Nick is one of the founding partners of Landmark Risk Management & Insurance. Landmark Risk Management & Insurance is based in St. George, Utah was formed in 2008. They
- [Lex Ence](https://landmarkriskmanagement.com/lex-ence/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_row column_structure=”1_3,2_3″ _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2021/08/LexEnce.jpg” title_text=”LexEnce” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”|2em|||false|false” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″][/et_pb_image][/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”et_body_layout”] Lex is one of the original founding partners of Landmark Risk Management & Insurance, and passionate about helping
- [Joe Valentine](https://landmarkriskmanagement.com/joe-valentine/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_row column_structure=”1_3,2_3″ _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2026/01/Joe.webp” title_text=”Joe” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”|2em|||false|false” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″][/et_pb_image][/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”et_body_layout”] Joe Valentine was born in Sacramento, California, and grew up in Northern California, where an active lifestyle, close
- [Ailyn Garcia](https://landmarkriskmanagement.com/ailyn-garcia/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_row column_structure=”1_3,2_3″ _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2026/01/Ailyn.webp” title_text=”Ailyn” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”|2em|||false|false” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″][/et_pb_image][/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″] Ailyn was born and raised in St. George, Utah, where strong community ties and close family
- [Meri Johnson](https://landmarkriskmanagement.com/meri-johnson/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_row column_structure=”1_3,2_3″ _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2026/01/Meri.webp” title_text=”Meri” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”|2em|||false|false” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″][/et_pb_image][/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”et_body_layout”] Meri was born in Sandy, Utah, and moved to Southern Utah at the age of twelve, a transition
- [Alec Meacham](https://landmarkriskmanagement.com/alec-meacham/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_row column_structure=”1_3,2_3″ _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2026/01/Alec.webp” title_text=”Alec” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”|2em|||false|false” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″][/et_pb_image][/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”et_body_layout”] Alec was born and raised in St. George, Utah, where the dramatic red rock landscape helped shape a
- [Ashley Sheeran](https://landmarkriskmanagement.com/ashley-sheeran/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_row column_structure=”1_3,2_3″ _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2026/01/Ashley.webp” title_text=”Ashley” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”|2em|||false|false” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″][/et_pb_image][/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″] Ashley Sheeran was born in Price, Utah, and grew up in the small town of Castledale,
- [Riley Iverson](https://landmarkriskmanagement.com/riley-iverson/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” column_structure=”1_3,2_3″ theme_builder_area=”et_body_layout”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2026/01/Riley.webp” _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”et_body_layout” title_text=”Riley” custom_padding=”|2em|||false|false”][/et_pb_image][/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”et_body_layout” hover_enabled=”0″ sticky_enabled=”0″] Riley Iverson grew up in Cedar City, Utah, where a strong sense of community and creativity helped shape both personal
- [Justin Ence](https://landmarkriskmanagement.com/justin-ence/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.24.3″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Justin Ence has Insurance in his blood. Even as a high schooler and prior to his LDS Mission in Brazil, he worked in and hung around his father’s insurance agency.
- [Janelle Wright](https://landmarkriskmanagement.com/janelle-wright/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” hover_enabled=”0″ global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout” sticky_enabled=”0″][et_pb_text _builder_version=”4.24.3″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″]Janelle was born and raised in Southern Arizona, where she spent her childhood riding horses and playing volleyball and softball. In 2016, she moved to St. George to embrace
- [Dinnelle Taliman](https://landmarkriskmanagement.com/dinnelle-taliman/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” hover_enabled=”0″ global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout” sticky_enabled=”0″][et_pb_text _builder_version=”4.24.3″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″]Born in sunny Arizona and a proud member of the Navajo Tribe, Dinnelle grew up in St. George, Utah, where she later attended Dixie State College to
- [Brenen Lyman](https://landmarkriskmanagement.com/brenen-lyman/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.24.3″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Brenen was born in Beaverton, Oregon, but spent most of his formative years in Las Vegas, Nevada. He attended Utah Tech University beginning in 2021, where he played baseball in
- [Jacie Smith](https://landmarkriskmanagement.com/jacie-nielson/) - [et_pb_section][et_pb_row][et_pb_column type=”4_4″][et_pb_text]Jacie started in the insurance industry while she was still in high school. She loved it so much she decided to make a career out of it. Jacie manages Landmark’s Small Business Accounts, ensuring clients receive everything the need to run their businesses smoothly. Jacie also tracks all of the agency’s claims. She works
- [Mason Creager](https://landmarkriskmanagement.com/mason-creager/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.24.3″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Mason has a big heart, and loves to serve. He possesses common sense and personality beyond his years. His clients can rely on his professionalism, and tireless determination to see
- [Nate Butler](https://landmarkriskmanagement.com/nate-butler/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.24.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”] Nate has an extensive background in administration and human resources, especially relating to the Health industry. He ensures that Landmark is keeping it’s promises when it comes to ensuring that our clients
- [Julie Spriggs](https://landmarkriskmanagement.com/julie-spriggs/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_text _builder_version=”4.24.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″]Julie makes certain we are right on the money. Whether it is paying bills or making certain our insured’s money goes where it is supposed to, we can count on Julie
- [Lia Dressler](https://landmarkriskmanagement.com/lia-dressler/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_text _builder_version=”4.24.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″]Lia joined Landmark in 2021. She brings with her a long history of involvement in the insurance industry. Born in Columbia, she worked for major insurance companies including… [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]
- [Tierra Short](https://landmarkriskmanagement.com/tierra-short/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_text _builder_version=”4.24.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″]Tierra was born and raised in the middle of the country in Wyoming, but her favorite places to visit are the coastal areas. She loves spending time in New York
- [Brittany Davis](https://landmarkriskmanagement.com/brittany-davis/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Brittany grew up in Northern Utah, before moving to St. George with her High School sweetheart in 2017. Whether it is graduating high school early, or time spent
- [Homeowner Insurance in St. George, Utah](https://landmarkriskmanagement.com/home-insurance/) - [et_pb_section fb_built=”1″ admin_label=”Projects” _builder_version=”4.16″ custom_padding=”54px|0px|0|0px|false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row column_structure=”2_5,3_5″ use_custom_gutter=”on” gutter_width=”4″ make_equal=”on” padding_top_bottom_link_1=”true” padding_top_bottom_link_2=”false” _builder_version=”4.13.1″ width=”100%” max_width=”1400px” custom_margin=”40px|auto|-10px|auto|false|” custom_padding=”0|0px|0|0px|true|false” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”1%” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”2_5″ _builder_version=”4.13.1″ background_color_gradient_start=”#f5f6f9″ background_color_gradient_end=”rgba(245,246,249,0)” background_color_gradient_direction=”90deg” custom_padding=”60px||60px|” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2020/09/Home-Strip.png” alt=”Landmark Risk Insurance St. George Utah” title_text=”Home Strip” align=”right” align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.13.1″ width=”100%” module_alignment=”center” custom_margin=”||-1px|-20%||” custom_margin_tablet=”|||-10%” custom_margin_phone=”|||” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][/et_pb_image][et_pb_text
- [Thank You!](https://landmarkriskmanagement.com/vacation-rental-insurance-thank-you/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.20.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.20.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.20.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”] Someone will be in contact with you shortly. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]
- [Builder Insurance](https://landmarkriskmanagement.com/builder-insurance/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content” custom_margin=”||7px|||”] Find Perfect Coverage with Builder & Contractor Insurance Landmark Risk Management is your source for General Contractor and Builder Insurance tailored to the needs of home builders. Whether
- [Get a Quote](https://landmarkriskmanagement.com/quote/) - [et_pb_section fb_built=”1″ admin_label=”Projects” _builder_version=”4.16″ custom_padding=”75px|0px|75px|0px|true|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.16″ _module_preset=”default” width=”100%” module_alignment=”center” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”2em” header_font=”||||||||” header_text_color=”#000000″ header_font_size=”50px” header_3_font=”Lato|900|||||||” header_3_font_size=”40px” header_3_line_height=”1.5em” header_4_font=”Lato|700||on|||||” header_4_text_color=”#000000″ header_4_letter_spacing=”3px” header_4_line_height=”1.8em” text_orientation=”center” custom_margin=”17px||28px|||” custom_padding=”|0px||||” header_3_font_size_tablet=”” header_3_font_size_phone=”25px” header_3_font_size_last_edited=”on|desktop” global_colors_info=”{}” theme_builder_area=”post_content”] Protect your Assets What kind of a quote do you need? [/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on”
- [Vickie Bohrer](https://landmarkriskmanagement.com/vickie-bohrer/) - [et_pb_section admin_label=”section”] [et_pb_row admin_label=”row”] [et_pb_column type=”4_4″][et_pb_text admin_label=”Text”]Vickie has been in the Insurance Industry since 2002 and has been a part of the Landmark team since 2010. Vickie has been and continues to be an integral part of what makes Landmark Risk Management so special. She is currently working as an Account Executive for Commercial Clients,
- [Health Insurance Coverage](https://landmarkriskmanagement.com/health-insurance/) - [et_pb_section fb_built=”1″ admin_label=”Projects” _builder_version=”4.16″ custom_padding=”54px|0px|0|0px|false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.19.2″ _module_preset=”default” custom_padding=”0px||0px||true|” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.19.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2022/12/Cow.png” title_text=”Cow” url=”https://www.youtube.com/embed/3BvGpb9FEW0″ align=”center” _builder_version=”4.16″ _module_preset=”default” max_width=”42px” global_colors_info=”{}” theme_builder_area=”post_content”][/et_pb_image][/et_pb_column][/et_pb_row][et_pb_row column_structure=”2_5,3_5″ use_custom_gutter=”on” gutter_width=”4″ make_equal=”on” padding_top_bottom_link_1=”true” padding_top_bottom_link_2=”false” _builder_version=”4.16″ width=”100%” max_width=”1400px” custom_margin=”-42px|auto|-10px|auto|false|” custom_padding=”0|0px|0|0px|true|false” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”1%” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”2_5″ _builder_version=”4.16″ background_color_gradient_direction=”90deg” background_color_gradient_start=”#f5f6f9″ background_color_gradient_end=”rgba(245,246,249,0)” custom_padding=”60px||60px|” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2020/11/LMRI-Health-Insurance.png” alt=”Landmark Risk
- [Workers Compensation Insurance](https://landmarkriskmanagement.com/workers-compensation/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”] Workers Compensation Insurance IN ST. GEORGE, UTAH While most states require Workers’ Compensation Insurance, some do not. Worker’s compensation insurance in Utah protects your employees from job-related injuries and
- [Automobile Insurance](https://landmarkriskmanagement.com/car-insurance/) - [et_pb_section fb_built=”1″ admin_label=”Projects” _builder_version=”4.16″ custom_padding=”54px|0px|0|0px|false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row column_structure=”2_5,3_5″ use_custom_gutter=”on” gutter_width=”4″ make_equal=”on” padding_top_bottom_link_1=”true” padding_top_bottom_link_2=”false” _builder_version=”4.16″ width=”100%” max_width=”1400px” custom_margin=”40px|auto|-10px|auto|false|” custom_padding=”0|0px|0|0px|true|false” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”1%” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”2_5″ _builder_version=”4.16″ background_color_gradient_direction=”90deg” background_color_gradient_start=”#f5f6f9″ background_color_gradient_end=”rgba(245,246,249,0)” custom_padding=”60px||60px|” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2020/08/Car-insurance-Verti.png” alt=”Auto Insurance St. George UT” title_text=”Car insurance Verti” align=”right” align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.16″ width=”100%” module_alignment=”center” custom_margin=”||-1px|-20%||” custom_margin_tablet=”|||-10%” custom_margin_phone=”|||” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][/et_pb_image][et_pb_text
- [General Liability Insurance](https://landmarkriskmanagement.com/general-liability/) - [et_pb_section fb_built=”1″ admin_label=”Projects” _builder_version=”4.16″ custom_padding=”54px|0px|0|0px|false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row column_structure=”2_5,3_5″ use_custom_gutter=”on” gutter_width=”4″ make_equal=”on” padding_top_bottom_link_1=”true” padding_top_bottom_link_2=”false” _builder_version=”4.16″ width=”100%” max_width=”1400px” custom_margin=”40px|auto|-10px|auto|false|” custom_padding=”0|0px|0|0px|true|false” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”1%” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”2_5″ _builder_version=”4.16″ background_color_gradient_direction=”90deg” background_color_gradient_start=”#f5f6f9″ background_color_gradient_end=”rgba(245,246,249,0)” custom_padding=”60px||60px|” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2020/09/Biz-insurance-Verti.png” alt=”Business Insurance Landmark Risk St. George Utah” title_text=”Biz insurance Verti” align=”right” align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.16″ width=”100%” module_alignment=”center” custom_margin=”||-1px|-20%||” custom_margin_tablet=”|||-10%” custom_margin_phone=”|||” custom_margin_last_edited=”on|phone” locked=”off”
- [Home](https://landmarkriskmanagement.com/home-2/) - [et_pb_section][et_pb_row][et_pb_column type=”4_4″][et_pb_text][cs_content][cs_element_section _id=”1″ ][cs_element_layout_row _id=”2″ ][cs_element_layout_column _id=”3″ ][cs_element_text _id=”4″ ][x_gap size=”50px”][cs_element_layout_row_2 _id=”6″ ][cs_element_layout_column_2 _id=”7″ ] [/cs_element_layout_column_2][cs_element_layout_column_2 _id=”8″ ][x_line style=”border-top-width: 1px;width: 100%;”][cs_element_image _id=”10″ ][cs_element_image _id=”11″ ][cs_element_image _id=”12″ ][x_line style=”border-top-width: 1px;width: 100%;”][/cs_element_layout_column_2][cs_element_layout_column_2 _id=”14″ ] [/cs_element_layout_column_2][/cs_element_layout_row_2][/cs_element_layout_column][/cs_element_layout_row][/cs_element_section][cs_element_section _id=”15″ ][cs_element_layout_row _id=”16″ ][cs_element_layout_column _id=”17″ ][x_video_embed no_container=”false” type=”16:9″][/x_video_embed][/cs_element_layout_column][/cs_element_layout_row][/cs_element_section][cs_element_section _id=”19″ ][cs_element_layout_row _id=”20″ ][cs_element_layout_column _id=”21″ ][cs_element_text _id=”22″ ][/cs_element_layout_column][cs_element_layout_column _id=”23″ ][cs_element_text _id=”24″ ][/cs_element_layout_column][/cs_element_layout_row][/cs_element_section][cs_element_section _id=”25″ ][cs_element_layout_row _id=”26″ ][cs_element_layout_column
- [Our History](https://landmarkriskmanagement.com/our-history/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″ custom_padding=”||0px|||” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_row admin_label=”row” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_text admin_label=”Text” _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”et_body_layout”] Landmark Risk Management & Insurance Landmark Risk Management & Insurance quickly saw the need people had for a more unique experience with the ever changing industries in the
- [Home v3 old](https://landmarkriskmanagement.com/2022-redesign/) - [et_pb_section fb_built=”1″ fullwidth=”on” admin_label=”Header” _builder_version=”4.13.1″ background_enable_image=”off” parallax=”on” animation_style=”fade” global_colors_info=”{}”][et_pb_fullwidth_header text_orientation=”center” content_max_width=”640px” _builder_version=”4.13.1″ title_font=”Lato|900|||||||” title_font_size=”120px” content_font=”|700|||||||” content_font_size=”28px” content_line_height=”1.5em” background_color=”rgba(0,0,0,0)” custom_button_one=”on” button_one_text_size=”20px” button_one_text_color=”gcid-b8e81456-70a0-400f-a665-34363d75f5f4″ button_one_bg_color=”rgba(255,255,255,0)” button_one_border_width=”0px” button_one_border_color=”rgba(0,0,0,0)” button_one_border_radius=”0px” button_one_letter_spacing=”2px” button_one_font=”|600||on|||||” button_one_icon=”9||divi||400″ button_one_icon_color=”gcid-282d56b9-96ce-46ac-b528-a9ccbc32c15f” button_one_on_hover=”off” custom_button_two=”on” button_two_text_size=”20px” button_two_text_color=”gcid-b8e81456-70a0-400f-a665-34363d75f5f4″ button_two_bg_color=”rgba(255,255,255,0)” button_two_border_width=”0px” button_two_border_color=”rgba(0,0,0,0)” button_two_border_radius=”0px” button_two_letter_spacing=”2px” button_two_font=”|600||on|||||” button_two_icon=”9||divi||400″ button_two_icon_color=”gcid-282d56b9-96ce-46ac-b528-a9ccbc32c15f” button_two_on_hover=”off” background_layout=”light” custom_margin=”|||” custom_padding=”1vw||0px|||” animation_style=”zoom” animation_intensity_zoom=”-5%” title_font_size_tablet=”” title_font_size_phone=”25px” title_font_size_last_edited=”on|desktop” content_font_size_tablet=”28px” content_font_size_phone=”22px” content_font_size_last_edited=”on|phone” box_shadow_style_button_one=”preset1″ box_shadow_vertical_button_one=”0px”
- [Contact](https://landmarkriskmanagement.com/contact/) - [et_pb_section fb_built=”1″ admin_label=”Contact” _builder_version=”4.13.1″ custom_padding=”0px||0px|||” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″ custom_padding_last_edited=”on|phone” custom_padding_phone=”2em||2em||true|false” custom_padding_tablet=”0px||0px|||”][et_pb_row column_structure=”2_5,3_5″ use_custom_gutter=”on” gutter_width=”4″ make_equal=”on” padding_top_bottom_link_1=”false” padding_top_bottom_link_2=”true” padding_left_right_link_2=”true” _builder_version=”4.13.1″ custom_margin=”|||” custom_padding=”0|0px|0|0px|true|false” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”1%” box_shadow_style=”preset4″ box_shadow_horizontal=”780px” box_shadow_vertical=”0px” box_shadow_color=”#F8BA07″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”2_5″ _builder_version=”3.25″ custom_padding=”80px||40px|” custom_padding_tablet=”0px|||” custom_padding_phone=”0px|||” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”0px|||” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”0px|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.13.1″ text_font=”||||||||” text_line_height=”2em” header_font=”||||||||” header_2_font=”|600||on|||||” header_2_text_color=”#0054ff” header_2_font_size=”16px” header_2_letter_spacing=”3px” header_2_line_height=”1.8em” header_3_font=”||||||||” header_4_font=”||||||||” header_5_font=”||||||||”
- [About LMX180](https://landmarkriskmanagement.com/about-lmx180/) - The LMX180 process means that your Landmark experience will be completely opposite of what you've experience before with insurance. We utilize a 4-step process to identify, understand, implement and monitor risk management strategies for you and your business. This value added experience will help you not only understand insurance better, but will enable you to
- [Core Values](https://landmarkriskmanagement.com/core-values/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content” custom_padding=”||0px|||”][et_pb_row admin_label=”row” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”] Driven We are willing to make short term sacrifices, in order to achieve a higher purpose. Our purpose fuels our daily discipline which gives us the power to
- [Purple Cow](https://landmarkriskmanagement.com/purple-cow/) - [et_pb_section fb_built=”1″ admin_label=”Projects” _builder_version=”4.16″ custom_padding=”54px|0px|0|0px|false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row column_structure=”1_3,2_3″ use_custom_gutter=”on” gutter_width=”4″ make_equal=”on” padding_top_bottom_link_1=”true” padding_top_bottom_link_2=”false” _builder_version=”4.13.1″ width=”100%” max_width=”1400px” custom_margin=”40px|auto|-10px|auto|false|” custom_padding=”0|0px|0|0px|true|false” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”1%” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_3″ _builder_version=”4.13.1″ background_color_gradient_start=”#f5f6f9″ background_color_gradient_end=”rgba(245,246,249,0)” background_color_gradient_direction=”90deg” custom_padding=”60px||60px|” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2022/12/Cow.png” alt=”Auto Insurance St. George UT” title_text=”Cow” align=”right” align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.13.1″ width=”100%” module_alignment=”center” custom_margin=”||-1px|-20%||” custom_margin_tablet=”|||-10%” custom_margin_phone=”|||” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][/et_pb_image][et_pb_text _builder_version=”4.13.1″ _module_preset=”default”
- [Blog](https://landmarkriskmanagement.com/blog/) - [et_pb_section fb_built=”1″ admin_label=”Blog” _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row make_equal=”on” _builder_version=”4.13.1″ hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” width=”100%” max_width=”none” sticky_enabled=”0″][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_blog fullwidth=”off” posts_number=”26″ include_categories=”4,all” excerpt_length=”150″ show_more=”on” show_author=”off” show_date=”off” show_categories=”off” _builder_version=”4.13.1″ header_font=”Lato|700|||||||” header_font_size=”16px” header_line_height=”1.8em” body_font=”||||||||” body_line_height=”2em” meta_font=”||||||||” meta_text_color=”rgba(0,0,0,0.4)” meta_font_size=”12px” read_more_text_color=”#A210B8″ pagination_font=”|600||on|||||” pagination_text_color=”#ff454e” pagination_font_size=”12px” pagination_letter_spacing=”2px” width=”100%” module_alignment=”center” border_color_all=”rgba(0,0,0,0)” box_shadow_style=”preset1″ box_shadow_blur=”80px” box_shadow_spread=”25px” box_shadow_color=”rgba(12,113,195,0.07)” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][/et_pb_blog][/et_pb_column][/et_pb_row][/et_pb_section]
- [Employment Practices Liability](https://landmarkriskmanagement.com/employment-practices-liability/) - [et_pb_section fb_built=”1″ admin_label=”Projects” _builder_version=”4.16″ custom_padding=”54px|0px|0|0px|false|false” global_colors_info=”{}” theme_builder_area=”et_body_layout” collapsed=”on”][et_pb_row column_structure=”2_5,3_5″ use_custom_gutter=”on” gutter_width=”4″ make_equal=”on” padding_top_bottom_link_1=”true” padding_top_bottom_link_2=”false” _builder_version=”4.13.1″ width=”100%” max_width=”1400px” custom_margin=”40px|auto|-10px|auto|false|” custom_padding=”0|0px|0|0px|true|false” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”1%” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_column type=”2_5″ _builder_version=”4.13.1″ background_color_gradient_start=”#f5f6f9″ background_color_gradient_end=”rgba(245,246,249,0)” background_color_gradient_direction=”90deg” custom_padding=”60px||60px|” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2020/11/LMRI-Employee-Liability.png” alt=”Employer Liability Landmark Risk Insurance St. George, UT” title_text=”LMRI Employer Liability” align=”right” align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.13.1″ width=”100%” module_alignment=”center” custom_margin=”||-1px|-20%||” custom_margin_tablet=”|||-10%” custom_margin_phone=”|||”
- [Umbrella Policies](https://landmarkriskmanagement.com/umbrella-policies/) - [et_pb_section fb_built=”1″ admin_label=”Projects” _builder_version=”4.16″ custom_padding=”54px|0px|0|0px|false|false” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_row column_structure=”2_5,3_5″ use_custom_gutter=”on” gutter_width=”4″ make_equal=”on” padding_top_bottom_link_1=”true” padding_top_bottom_link_2=”false” _builder_version=”4.13.1″ width=”100%” max_width=”1400px” custom_margin=”40px|auto|-10px|auto|false|” custom_padding=”0|0px|0|0px|true|false” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”1%” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_column type=”2_5″ _builder_version=”4.13.1″ background_color_gradient_start=”#f5f6f9″ background_color_gradient_end=”rgba(245,246,249,0)” background_color_gradient_direction=”90deg” custom_padding=”60px||60px|” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2020/11/LMRI-umbrella.png” alt=”Umbrella Insurance Landmark Risk Insurance St. George, UT” title_text=”umbrella insurance” align=”right” align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.13.1″ width=”100%” module_alignment=”center” custom_margin=”||-1px|-20%||” custom_margin_tablet=”|||-10%” custom_margin_phone=”|||” custom_margin_last_edited=”on|phone” hover_enabled=”0″
- [Life Insurance](https://landmarkriskmanagement.com/life-insurance/) - [et_pb_section fb_built=”1″ admin_label=”Projects” _builder_version=”4.16″ custom_padding=”54px|0px|0|0px|false|false” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_row column_structure=”2_5,3_5″ use_custom_gutter=”on” gutter_width=”4″ make_equal=”on” padding_top_bottom_link_1=”true” padding_top_bottom_link_2=”false” _builder_version=”4.13.1″ width=”100%” max_width=”1400px” custom_margin=”40px|auto|-10px|auto|false|” custom_padding=”0|0px|0|0px|true|false” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”1%” global_colors_info=”{}” theme_builder_area=”et_body_layout”][et_pb_column type=”2_5″ _builder_version=”4.13.1″ background_color_gradient_start=”#f5f6f9″ background_color_gradient_end=”rgba(245,246,249,0)” background_color_gradient_direction=”90deg” custom_padding=”60px||60px|” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”et_body_layout”][et_pb_image src=”https://landmarkriskmanagement.com/wp-content/uploads/2020/11/LMRI-Life-Insurance.png” alt=”Landmark Risk Management Life Insurance St. George UT” title_text=”Life Insurance” align=”right” align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.13.1″ width=”100%” module_alignment=”center” custom_margin=”||-1px|-20%||” custom_margin_tablet=”|||-10%” custom_margin_phone=”|||” custom_margin_last_edited=”on|phone” hover_enabled=”0″
- [Our Team](https://landmarkriskmanagement.com/our-team/) - [et_pb_section admin_label=”section”] [et_pb_row admin_label=”row”] [et_pb_column type=”4_4″][/et_pb_column] [/et_pb_row] [/et_pb_section]
- [Blog Post content 2023](https://landmarkriskmanagement.com/blog-post-content-2023/) - [et_pb_section fb_built=”1″ admin_label=”Blog” _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row make_equal=”on” _builder_version=”4.13.1″ hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”3.27.4″ text_font=”||||||||” header_font=”||||||||” header_2_font=”|600||on|||||” header_2_text_color=”#0054ff” header_2_font_size=”16px” header_2_letter_spacing=”3px” header_2_line_height=”1.8em” header_3_font=”||||||||” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”] For Developers [/et_pb_text][et_pb_blog fullwidth=”off” posts_number=”26″ show_author=”off” show_date=”off” show_categories=”off” _builder_version=”4.13.1″ header_font=”Lato|700|||||||” header_font_size=”16px” header_line_height=”1.8em” body_font=”||||||||” body_line_height=”2em” meta_font=”||||||||” meta_text_color=”rgba(0,0,0,0.4)” meta_font_size=”12px” pagination_font=”|600||on|||||” pagination_text_color=”#ff454e” pagination_font_size=”12px” pagination_letter_spacing=”2px” hover_enabled=”0″ border_color_all=”rgba(0,0,0,0)” box_shadow_style=”preset1″ box_shadow_blur=”80px”
- [Content 2023](https://landmarkriskmanagement.com/content-2023/) - [et_pb_section fb_built=”1″ next_background_color=”#ffffff” admin_label=”Hero” _builder_version=”3.22″ background_color=”#4bc0eb” use_background_color_gradient=”on” background_color_gradient_start=”#4bc0eb” background_color_gradient_end=”#7dd1f1″ background_color_gradient_direction=”62deg” background_image=”https://landmarkriskmanagement.com/wp-content/uploads/2023/01/babysitter-background-white-1.png” background_blend=”soft-light” custom_margin=”|||” custom_padding=”120px||120px|” bottom_divider_style=”wave2″ bottom_divider_height=”150px” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Title ” _builder_version=”3.27.4″ text_font=”Nunito||||||||” text_font_size=”18px” text_line_height=”1.8em” header_font=”Fredoka One||||||||” header_font_size=”52px” header_line_height=”1.3em” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” custom_margin=”||10px|” animation_style=”fade” global_colors_info=”{}” theme_builder_area=”post_content”] Our Nanny’s Lorem ipsum dolor sit amet,
- [Sample Page](https://landmarkriskmanagement.com/sample-page/) - This is an example page. It's different from a blog post because it will stay in one place and will show up in your site navigation (in most themes). Most people start with an About page that introduces them to potential site visitors. It might say something like this: Hi there! I'm a bike messenger
- [Home Builders Form](https://landmarkriskmanagement.com/home-builders-form/)
- [Thank You!](https://landmarkriskmanagement.com/home-builders-thank-you/) - Someone will be in contact with you shortly.
- [Get Your Custom Vacation Rental Insurance Quote](https://landmarkriskmanagement.com/get-your-custom-vacation-rental-insurance-quote/)
- [Thank You!](https://landmarkriskmanagement.com/thank-you/) - Our team will be reaching out to you shortly!
- [Benefits Shop](https://landmarkriskmanagement.com/benefits-shop/) - Here you can compile a list of benefits you would like to consider offering your group to help you decide what exactly you can afford.
- [Shop](https://landmarkriskmanagement.com/shop/)
- [Cart](https://landmarkriskmanagement.com/cart/) - [woocommerce_cart]
- [Checkout](https://landmarkriskmanagement.com/checkout/) - [woocommerce_checkout]
- [My account](https://landmarkriskmanagement.com/my-account/) - [woocommerce_my_account]
- [Cartvertising](https://landmarkriskmanagement.com/cartvertising/) - Insure my Home & Auto
- [Ryan Windley](https://landmarkriskmanagement.com/ryan-windley/) - Ryan Windley was born on a sheep and cattle ranch in the mountains of Northern Utah. He comes to the insurance world after spending 11 years in the personal coaching industry. During that time Ryan worked with over 4,000 worldwide clients coaching them towards their individual goals of business building and investment success. Ryan's entrepreneurial
- [Donovan Oliver](https://landmarkriskmanagement.com/donovan-oliver/) - Donovan joined the Landmark Risk Management & Insurance team in 2017. He has worked in the insurance industry as an independent agent since 2009, specializing in health insurance and ACA compliance. He provides sales support and expert advice for individuals and business owners trying to navigate the difficult and complex health insurance marketplace. He was
- [Claims](https://landmarkriskmanagement.com/claims/) - [column type="one-half"] American Liberty Tri Star 3rd party (801) 568-5138 American Modern (800) 375-2075 AmTrust 24/7 Toll-Free Claim Reporting (866) 272-9267 Cincinnati (877) 242-2544Glass Claim (877) 588-4527Commercial claims (435) 843-0357 or (801) 400-3756 Colorado Casualty (888) 298-3778 Foremost (800) 527-3907 Hagerty (888) 310-8020 The Hartford (800) 243-5860 clients/ (800) 553-1710 agents Kemper (800) 822-8426 or
- [Health Quote](https://landmarkriskmanagement.com/health-quote/)
- [Nathan Nelson](https://landmarkriskmanagement.com/nathan-nelson/) - Nathan joined the Landmark team in June of 2019. Prior to moving to St. George, Nathan was attending Arizona State University where he graduated with High Honors of Summa Cum Laude. During college, Nathan worked full time and was involved with several entrepreneurial ventures. His background and appreciation for small business owners is a crucial
- [Business Insurance](https://landmarkriskmanagement.com/business-insurance/) - Protecting your business assets is an important part of your business's success. While most businesses need property and casualty insurance that covers vehicles, buildings, facilities, inventory, equipment and employees, we know that your business is unique; we provide tailored options to your unique situation. Landmark Insurance has knowledgeable agents who know business insurance and who
- [Products & Services](https://landmarkriskmanagement.com/products-services/) - We strive to make sure our clients receive the best care with limited effort on their part. We have teamed up with many wonderful carriers, like Unigard, The Hartford, Safeco, United Underwriters, Sequoia, Kemper and United Fire & Casualty Company, to suit each clients individual needs. We cover all your basic insurance needs and go

## Categories

- [Uncategorized](https://landmarkriskmanagement.com/category/uncategorized/)
- [Auto](https://landmarkriskmanagement.com/category/auto/)
- [Business Insurance](https://landmarkriskmanagement.com/category/business-insurance/)
- [Commercial](https://landmarkriskmanagement.com/category/commercial/) - Articles specifically aimed toward commercial clients
- [COVID 19](https://landmarkriskmanagement.com/category/covid-19-corona-virus/) - Tips, links, and updated information on COVID 19, for the workplace and for the home.
- [Disability Insurance](https://landmarkriskmanagement.com/category/disability-insurance/)
- [Home Owners Insurance](https://landmarkriskmanagement.com/category/home-owners-insurance/)
- [Insurance](https://landmarkriskmanagement.com/category/insurance/)
- [Life Insurance](https://landmarkriskmanagement.com/category/life-insurance-policies/)
- [Natural Disasters](https://landmarkriskmanagement.com/category/home-owners-insurance/natural-disaster-homeowner-tips/)
- [Personal Lines](https://landmarkriskmanagement.com/category/personal-lines/) - Articles aimed toward personal home, auto, etc.
- [Protecting Your Business Equipment](https://landmarkriskmanagement.com/category/protecting-your-business-equipment/) - Protecting your business equipment.
- [Term Life Insurance](https://landmarkriskmanagement.com/category/term-life/)
- [Tips for Business Owners](https://landmarkriskmanagement.com/category/tips-for-business-owners/)
- [Tips for Homeowners](https://landmarkriskmanagement.com/category/tips-for-homeowners/)
- [Whole Life Insurance](https://landmarkriskmanagement.com/category/whole-life/)

## Tags

- [charcoal grills](https://landmarkriskmanagement.com/tag/charcoal-grills/)
- [construction](https://landmarkriskmanagement.com/tag/construction/)
- [cyber security](https://landmarkriskmanagement.com/tag/cyber-security/)
- [fire danger](https://landmarkriskmanagement.com/tag/fire-danger/)
- [grilling safety](https://landmarkriskmanagement.com/tag/grilling-safety/)
- [health club owners](https://landmarkriskmanagement.com/tag/health-club-owners/)
- [Homeowner insurance](https://landmarkriskmanagement.com/tag/homeowner-insurance/)
- [homeowners](https://landmarkriskmanagement.com/tag/homeowners/)
- [insurance for jewelry](https://landmarkriskmanagement.com/tag/insurance-for-jewelry/)
- [keeping your health club healthy](https://landmarkriskmanagement.com/tag/keeping-your-health-club-healthy/)
- [lightning storms and fire dangers](https://landmarkriskmanagement.com/tag/lightning-storms-and-fire-dangers/)
- [maintenance tips](https://landmarkriskmanagement.com/tag/maintenance-tips/)
- [market value](https://landmarkriskmanagement.com/tag/market-value/)
- [outdoor cooking](https://landmarkriskmanagement.com/tag/outdoor-cooking/)
- [Personal umbrella insurance](https://landmarkriskmanagement.com/tag/personal-umbrella-insurance/)
- [propane grills](https://landmarkriskmanagement.com/tag/propane-grills/)
- [protecting your property](https://landmarkriskmanagement.com/tag/protecting-your-property/)
- [Replacement value](https://landmarkriskmanagement.com/tag/replacement-value/)
- [riding mowers](https://landmarkriskmanagement.com/tag/riding-mowers/)
- [Sanitation for the job site](https://landmarkriskmanagement.com/tag/sanitation-for-the-job-site/)
- [second home](https://landmarkriskmanagement.com/tag/second-home/)
- [strategies for reopening](https://landmarkriskmanagement.com/tag/strategies-for-reopening/)
- [Subcontactors](https://landmarkriskmanagement.com/tag/subcontactors/)
- [tips for homeowners](https://landmarkriskmanagement.com/tag/tips-for-homeowners/)
- [unemployment](https://landmarkriskmanagement.com/tag/unemployment/)
- [Vacation home](https://landmarkriskmanagement.com/tag/vacation-home/)
- [Virtual meetings](https://landmarkriskmanagement.com/tag/virtual-meetings/)
- [wildfire prevention](https://landmarkriskmanagement.com/tag/wildfire-prevention/)
- [Zoom](https://landmarkriskmanagement.com/tag/zoom/)