the Hangout

Throwing a Holiday Party? Check Your Insurance December 13, 2017

christmas_party_holiday_people_Friends_fun_iStock-672381418You’re planning a holiday bash. You have a checklist that covers every detail from decorations to desserts.

You feel ready for the big event, but did you remember to look into insurance for the party? Do you have proper coverage for your festivities?

It’s something many party hosts overlook. When you’re putting on an event, it’s important to consider your own liability and ensure the proper policies are in place. Your homeowners’ policy may have limitations that mean it could be inadequate for what you’re planning. Depending on the size of your event, you may want to consider taking out an umbrella policy or special event insurance.


Your options

Your home insurance policy typically includes liability coverage. If someone is injured at your party, this coverage will kick in to pay for the associated expenses. However, if several people are injured, it may not provide sufficient coverage. Your options are to increase the limits on your home insurance policy or add an umbrella policy to expand the coverage. Often, it’s more cost-effective to add the umbrella than to increase your limits. Consult with your insurance agent to determine your best option.

A third possibility is to obtain event insurance. This can help protect you against accidents and provide cancellation coverage. If someone is injured at your party, event insurance liability coverage will help pay for expenses, and if you have to cancel caterers, entertainment, or photographers, it can help with this as well.

As you review your options with your insurance professional, consider the location of the event, the number of attendees, the activities taking place at the party, and your current coverage. These details will help you determine if your current homeowners’ policy is sufficient or if you need to make changes.

And with this item checked off your list, you’ll be better prepared to sit back and enjoy the party yourself.


Questions? Contact a Forward Insurance today!

Discover Why Forward is AWESOME-SAUCE! December 5, 2017

Forward Financial Bank is proud to be recognized as one of the best banks to work for by American Banker! Hear why our employees think Forward is AWESOME-SAUCE! Also, learn more about this recognition here on the Hangout.




Forward Supports Student Athletes Through Cooperative Programs November 20, 2017

forward financial bank_half court shot_basketball

Forward Financial Bank will be holding $5,000 half-court shots at 9 local high school basketball games and 2 hockey games this winter! To support the mission of giving back to the community, half of the overall prize will be given to the school athletic program.

“After having our first successful shot (basketball) last year in Greenwood, we are excited to continue to partner with our school athletic programs in order to encourage attendance at sporting events and give back to our communities,” commented Bill Sennholz, President/CEO of Forward Financial Bank. “To make this the best year yet, we encourage communities to join us at the games to support our student athletes and watch as one lucky fan at each event attempts to make a shot worth $5,000. We hope to have many more winners this season!” 

Each fan attending a participating high school basketball game will be entered into a random drawing for the shot. The attempt will be from half-court with $2,500 going to the shooter and $2,500 going to the school if the shot is successful. A similar set up and process will be used for the hockey games as well.


Forward Financial Bank will be at the following basketball/hockey games:

  • Greenwood Indians – December 1
  • Stanley/Boyd Orioles – December 8
  • Marshfield Tigers (Hockey) – December 15
  • Thorp Cardinals – January 4
  • Abbotsford Falcons – January 5
  • Medford Raiders (Hockey) – January 15
  • Owen-Withee Blackhawks – January 19
  • Colby Hornets – January 23
  • Marshfield Tigers – January 25
  • Medford Red Raiders – February 15
  • Columbus Dons – TBD

Please support your local high school athletic programs by attending these games and you could have the opportunity to win $2,500 for yourself and $2,500 for the school!

Learn more about Cooperative Programs»

Fire Claims? Guess Which Holiday Tops the List? November 3, 2017


thanksgiving safety, fire claims

That’s right. Thanksgiving is the number one fire insurance claim day; claims are typically twice that of any other day in November.


Most Thanksgiving fires boil down to cooking error; unattended stovetops and grease fires top the list. But there is good news: most of these fires are preventable, and all of them can be covered by insurance. To create a safe atmosphere for your holiday gathering, take the following steps:


Don’t get distracted: Many Thanksgiving Day fires occur because the cooks get distracted. Family time, football, and festivities pull them away from the kitchen, and the unattended food goes up in flames. Keep a close eye on anything currently “under fire.”


Put a lid on it: If you experience a grease fire, don’t try to put it out with water. While cooking, keep a lid nearby to smother the fire. Slide the lid over the pan, and turn off the element.


Don’t try to fry: Many hosts want to impress their guests with a deep-fried turkey. It might taste good, but it may not be worth the risky process. If you do go this route, fry the turkey outdoors, away from buildings and trees; carefully determine how much oil you need; and never leave it unattended.


Insure your holiday: Homeowners insurance typically covers your home and its contents if they are damaged by fire. If you aren’t sure what your policy covers, or what the limits are, now’s a good time to review your policy with your agent.


And have a safe Thanksgiving!


Monster Mash Parody October 31, 2017

Working in the bank, late one night….when my eyes beheld an eerie sight…the staff at Forward did the MASH, they did the MONSTER MASH! Happy Halloween from the ghouls and goblins at Forward!




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