Good Morning!  It is a wonderful Cookie Wednesday here at Webster Insurance.  The Fall like weather we have had this week has inspired Sue and Eileen to bake Pumpkin Chip cookies for our visitors.

Can’t make it in?  Here is our recipe for these wonderful cake-like cookies.

1 1/2 C butter, softened

1 C sugar

2 C brown sugar packed

1 can (15 oz) solid pack pumpkin

1 egg

1 tsp vanilla extract

4 C flour

2 C quick cooling oats

2 tsp baking soda

2 tsp cinnamon

2 C (12 oz) chocolate chips

Directions:

In a large mixing bowl, cream butter and sugars.  Beat in the pumpkin, eggs and vanilla. Combine the flour, oats, baking soda, cinnamon, and salt.  Gradually add to the creamed mixture.  Stir in the chocolate chips.

Drop by tablespoonfuls 2 in apart onto ungreased baking sheet.  Bake at 350 degrees for 10-12 minutes.

Makes 10 dozen.

It is cookie Wednesday again at Webster Insurance!  Today our cookie is White Chocolate Chip with Walnuts.

Here is our recipie:

• 1 cup butter, softened
• 2 cups white sugar
• 2 eggs
• 2 teaspoons vanilla extract
• 2 cups all-purpose flour
• 3/4 cup unsweetened cocoa powder
• 1 teaspoon baking soda
• 1/2 teaspoon salt
• 1 2/3 cups white chocolate chips
• 1 cup walnuts

Directions

1. Preheat oven to 350 degrees F (175 degrees C).
2. In a large bowl, cream together the butter and sugar until smooth. Beat in the eggs one at a time, then stir in the vanilla. Combine the flour, cocoa, baking soda and salt; stir into the creamed mixture. Fold in the white chocolate chips. Drop by rounded teaspoonfuls onto ungreased cookie sheets.
3. Bake for 8 to 10 minutes in the preheated oven, until cookies are set. Allow cookies to cool on baking sheet for 5 minutes before removing to a wire rack to cool completely

The weather is getting very nice out, and we can not wait for summer to get here!  Thinking about bringing out your Boat, Motorcycle,  or RV?  Give us a call for a quote at 215-757-0816, or visit us at www.websterins.com.

PS.  LETS GO FLYERS!  Game 4 tonight!

Heart disease is the leading cause of death in the United States and is a major cause of disability. The most common heart disease in the United States is coronary heart disease, which often appears as a heart attack. In 2010, anestimated 785,000 Americans had a new coronary attack, and about 470,000 had a recurrent attack. About every 25 seconds, an American will have a coronary event, and about one every minute will die from one.

The chance of developing coronary heart disease can be reduced by taking stepsto prevent and control factors that put people at greater risk. Additionally,knowing the signs and symptoms of heart attack are crucial to the most positiveoutcomes after having a heart attack. People who have survived a heart attack can also work to reduce their risk of another heart attack or a stroke in the future.

 Diseases and Conditions That Put Your Heart at Risk

 Other conditions that affect your heart or increase your risk of death ordisability include arrhythmia, heart failure, and peripheral artery disease(PAD). High cholesterol, high blood pressure, obesity, diabetes, tobaccouse, unhealthy diet, physical inactivity, and secondhand smoke are alsorisk factors associated with heart disease. For a full list of diseases andconditions along with risk factors and other health information about heart disease, visit the American Heart Association website.

Know Your Signs and Symptoms

Some heart attacks are sudden and intense; however, most heart attacksstart slowly, with mild pain or discomfort. Often people affected aren’tsure what’s wrong and wait too long before getting help. Here are signs that can mean a heart attack is happening:

• Chest discomfort. Most heart attacks involve discomfort in thecenter of the chest that lasts more than a few minutes, or thatgoes away and comes back. It can feel like uncomfortablepressure, squeezing, fullness or pain.

• Discomfort in other areas of the upper body. Symptoms caninclude pain or discomfort in one or both arms, the back, neck,jaw or stomach.

• Shortness of breath, breaking out in a cold sweat, nausea or lightheadedness. 

   Quick Facts

Women & Heart Disease

• Although heart disease is sometimes thought of asa “man’s disease,” it is the leading cause of death for both women and menin the United States, andwomen account for nearly50% of heart disease deaths.
•  Heart disease is often perceived as an “olderwoman’s disease,” and itis the leading cause of death among women aged 65 years and older.However, heart disease is the third leading cause of death among womenaged 25-44 years and the second leading cause of death among womenaged 45–64 years.Remember that many cases of heart disease can be prevented.

 Men & Heart Disease

• In 2007, heart disease was the cause of death in309,821 American men. The average age for a first heart attack for men is 66 years.
•  Almost half of men who have a heart attack underage 65 die within 8 years. Between 70% and 89% of sudden cardiac events occur in men.

Gooood Morning!!! Its a lovely day for a cookie! (well, I guess thats every day!)

Today we have Chocolate Chip cookies for our friends. 

If you would like to make them at home, here is our recipe. 

So stop in for a few cookies, and while you are here, why not sit down and review your PA insurance policies?  We would love to make sure you are getting the best coverage possible.  Can’t make it in?  Give us a call at 215-757-0816. 

Six good reasons to have a personal umbrella

There is no question that the ownership and use of our autos present us with the greatest personal liability exposure. But our normal daily activities can expose us to the potential of a large liability claim that could threaten our personal assets.

One of the best ways to understand the need for a personal umbrella policy (PUP) is to review actual claim examples. Listed below are actual personal liability claims that illustrate the need for higher personal liability limits.

Loss #1

A couple hosted a pool party for their teenage children. They did not provide any alcohol, but it was brought by some of the guests and was available. After leaving the party, one of the guests was severely injured in an auto accident, and the injury was attributed to his consumption of alcohol. This case went to the Wisconsin Supreme Court which decided that anyone who sells or furnishes alcohol to a minor is responsible for the minor’s injuries as well as any injuries caused by the minor. The opinion of the court was that the homeowners should have prevented the consumption of alcohol by minors on their premises. Both the homeowners’ and personal umbrella policies responded to this claim.

Loss #2:

The insured hosted a party at his home. Among the guests was a family friend, who was also the insured’s financial advisor. The friend brought his wife, their 2-year-old child and their baby to the party. The insured gave them a jug of spring water to mix formula for the baby. The 2-year-old child also had a drink of the water. Shortly thereafter, both children became ill. The family left the party and took the children to the hospital. The hospital confiscated the water jug which was found to contain arsenic. An old label was found wrapped around the handle with the words “weed killer” printed on it. The insured had mistakenly given the jug, which was similar to the ones containing spring water, to the family. The baby died and the 2 year old survived after being in critical condition several days. The personal umbrella liability limit was paid.

Loss #3:

The insured’s 18-year-old son was driving his parents’ car to the store with his 19-year-old girlfriend. He left the roadway and hit a tree. The son told the police that another car cut him off, but there were no witnesses, and the girlfriend had no recollection of the accident. She was hospitalized for over a month with multiple fractures and internal injuries and received extensive physical therapy. The personal umbrella insurer settled with the girlfriend for the policy limit.

Loss #4:

An 18-year-old college student was struck by a fraternity paddle during initiation. He sustained facial fractures and blindness in his left eye. The fellow fraternity members and their families were sued. The court awarded $1,300,000.

Loss #5:

A 28-year-old engineer dove into a friend’s above-ground swimming pool, struck his head on the bottom and, as a result, became a quadriplegic. He sued both the homeowner and the pool manufacturer. The court found the homeowner to be 60 percent responsible and the pool manufacturer to be 40 percent responsible, and awarded $10,000,000.

Loss #6:

A babysitter left a 5-month-old infant unattended in a walker. The infant toppled the walker, struck her head on the floor and suffered brain damage. The parents of the infant sued the teenage babysitter and her parents. The court awarded the parents $11,000,000.

The above losses show the consequences of situations that can quickly exhaust the liability limits of the underlying policies.

For less than the cost of a cup of coffee a day, most folks can purchase a personal umbrella policy with a limit of $1,000,000, possibly $2,000,000 or even $5,000,000.

Why not allow us to quote this very important policy for you! Give us a call at 215-757-0816, or visit our website at www.websterins.com.