Jeans BeCause – St. Vincent Home for Children
Our second Jeans BeCause recipient in December was St. Vincent Home for Children.
St. Vincent Home for Children was founded in 1850 following a cholera epidemic and fire, both of which occurred the previous year an which left many St. Louis children orphaned. Over the years, St. Vincent Home has transitioned to meet the changing needs of children in the area. No longer an orphanage, St. Vincent Home is a Residential Treatment Center that provides treatment for at-risk youth. For …
Jeans BeCause – Girls On The Run
One of our December Jeans BeCause recipients was Girls on the Run.
Girls on the Run is a physical activity-based positive youth development program (PA-PYD) designed to develop and enhance girls’ social, psychological and physical competencies to successfully navigate life experience. The mission of Girls on the Run St. Louis is to empower girls for a lifetime of healthy living.
Their program for girls in the 3rd through 8th grades inspires girls to be joyful, healthy and confident using a …
Jeans BeCause – Alberico Scholarship Foundation
Our September Jeans BeCause recipient is the Alberico Scholarship Foundation.
In memory of Martin and Julius Alberico, the Alberico Scholarship Foundation seeks to improve the path to education for deserving college-bound students of talent, merit and need through the administration of educational grants.
In 2007, the Martin G. Alberico Scholarship Foundation was established as a 501(c)(3) non-for-profit organization. In 2009, the Foundation began granting scholarships to college bound high school seniors. Since then, they have awarded over $40,000 in scholarships to …
Jeans BeCause – Senior Services Plus
Our July Jeans BeCause recipient is Senior Services Plus, Inc.
Senior Services Plus, Inc., was established in 1973 after three seniors – Floyd Galliher, Art Steinman and Roy Morrow – realized the need for more senior programs in the Alton, Illinois area. These three seniors soon formed the Alton Area Senior Citizens Council which has become the present-day Senior Services Plus, Inc.
From its humble beginnings to the present, the agency has gone through one metamorphosis after another, even emerging …
Jeans BeCause – Hyde Park Youth Symphony
Our April Jeans BeCause recipient was Hyde Park Youth Symphony.
The Hyde Park Youth Symphony brings together diverse students from the south side of Chicago and beyond to provide a high-quality musical performance experience and education as a training ground for the next generation of performers, educators, and advocates of music and the arts.
The Hyde Park Youth Symphony (HPYS) is a community-based 501(c)(3) nonprofit organization dedicated to providing a high-quality arts experience to youth on the south side of …
Jeans BeCause – Cancer Support Community
Our March recipient of our Jeans BeCause program is the Cancer Support Community. Cancer Support Community of Greater St. Louis is an affiliate of the international non-profit organization Cancer Support Community, whose mission is to ensure that all people impacted by cancer are empowered by knowledge, strengthened by action, and sustained by community to enhance their overall well-being.
Cancer Support Community of Greater St. Louis offers more than 150 workshops, managed by licensed mental-health professionals, and professionally-led groups monthly ~ …
Jeans BeCause – Cornerstone Center for Early Learning
Our October Jeans BeCause recipient is Cornerstone Center for Early Learning. Founded in 1969, located in St. Louis’ Shaw neighborhood, and the first accredited early learning center in St. Louis city, Cornerstone Center for Early Learning provides licensed, award-winning and affordable childcare and pre-kindergarten education for working families of all economic backgrounds. On opening day, under the name Helping Hands Day Care Center, there was one classroom, one teacher, and one student at the new program at the Compton Heights Christian Church. …
Jeans BeCause – St. Vincent Home for Children
Our September Jeans BeCause recipient is St. Vincent Home for Children. The mission at St. Vincent Home for Children (SVHC) is to provide love, security and professional treatment for troubled children and their families through a fully integrated program of services. They provide a safe and caring community where troubled adolescents have life changing opportunities that build character, self-respect and coping skills to reach their highest potential. The foundation of their efforts is the desire to always provide the help to …
Jeans BeCause – Angels’ Arms
Our July Jeans BeCause recipient is Angels’ Arms. Angels’ Arms is dedicated to providing and supporting loving homes for foster children by keeping brothers and sisters together within a nurturing family until a forever home is found.
Although in existence only since 2000, Angels’ Arms has changed the lives of over 500+ children, including over 100 sibling groups, by providing them with a loving home and allowing them to thrive in a happy, functional family setting.
Children entering an Angels’ Arms’ …
Jeans BeCause – Cancer Support Community
Our April recipient of our Jeans BeCause program is the Cancer Support Community. Cancer Support Community of Greater St. Louis is an affiliate of the international non-profit organization Cancer Support Community, whose mission is to ensure that all people impacted by cancer are empowered by knowledge, strengthened by action, and sustained by community to enhance their overall well-being.
Cancer Support Community of Greater St. Louis offers more than 150 workshops, managed by licensed mental-health professionals, and professionally-led groups monthly ~ all …
Jeans BeCause – Writers Theatre
Our February Jeans BeCause receipient was Writers Theatre.
In 1992, Writers Theatre was founded in order to create an environment where the written word and the nurturing of artists were the foundation of all productions. They opened their first venue that year in the ante-room of a newly opened bookstore in Glencoe on the North Shore of Chicago. The limited space available gave way to a new aesthetic that has been a company hallmark ever since—intimacy.
In February 2016, Writers …
Jeans BeCause – Faith Foundation Children’s Home
Our January Jeans BeCause recipient was the Faith Foundation Children’s Home. Faith Foundation Children’s Home (FFCH) believes in providing a nurturing environment that is surrounded by caring people who are willing to meet and help each person identify and deal with individual needs (psychological, physical, emotional and medical) and provides an opportunity for growth and change. They focus on individual needs and strive to provide each youth with a structured, therapeutic, caring and supportive environment.
FFCH offers an array of services …
Jeans BeCause – Voices for Illinois Children
Our October Jeans BeCause recipient is Voices for Illinois Children. In 1987, a dedicated group of civic, business, community, academic, and philanthropic leaders established Voices for Illinois Children to develop and promote strategies that improve conditions for all children throughout the state. As a privately funded organization, Voices for Illinois Children seeks to educate opinion leaders and policymakers on all issues facing children and families.
Over the years, Voices has grown into a powerful and well-respected advocate. Voices unites community leaders and …
Jeans Because – Senior Services Plus
Our September Jeans Because Recipient is Senior Services Plus, Inc. SSP was established in 1973 after three seniors-Floyd Galliher, Art Steinman and Roy Morrow-realized the need for more senior programs in the Alton, Illinois area. These three seniors soon formed the Alton Area Senior Citizens Council which has become the present-day Senior Services Plus, Inc.
From its humble beginnings to the present, the agency has gone through one metamorphosis after another, even emerging bigger, bolder, and stronger than before, even …
Jeans BeCause – American Youth Foundation
Out August recipient of our Jeans BeCause program is the American Youth Foundation. The American Youth Foundation was established in 1925 by a group of progressive leaders committed to helping young people reach their potential. The founders were inspired by a common vision: to develop leaders for all of life’s vocations, to inspire young people to discover and develop their own best self, and to give them the tools to live a balanced life.
Early leaders of the organization …
Jeans BeCause – Cancer Support Community
The Cancer Support Community is our June Jeans BeCause recipient. Cancer Support Community of Greater St. Louis is an affiliate of the international non-profit organization Cancer Support Community, whose mission is to ensure that all people impacted by cancer are empowered by knowledge, strengthened by action, and sustained by community to enhance their overall well-being.
Cancer Support Community of Greater St. Louis offers more than 150 workshops, managed by licensed mental-health professionals, and professionally-led groups monthly ~ all provided …
Jeans BeCause – St. Louis Area Foodbank
Our April Jeans BeCause recipient is the St. Louis Area Foodbank. The St. Louis Area Food Bank began its service to the community in 1975. Today, they continue to be an organization that relies on the generosity of others to make a difference in the lives of those I need of food assistance. Over the years, they have grown to be the bi-state region’s largest non-profit 501(c)(3) food distribution charity dedicated to feeding those in need. The St. Louis Area …
Jeans BeCause – Better Family Life, Inc.
Our March Jeans BeCause recipient is Better Family Life, Inc. Better Family Life (BFL) was founded in 1983. The 5 pillars that support the developmental thrust of BFL are Community Outreach, Cultural Arts, Housing and Asset Development, Youth, Family and Clinical Services and Workforce Development.
BFL’s mission is to plan and establish social, cultural, artistic, youth, economic, housing, educational programs that help to promote positive and innovative changes within the metropolitan St. Louis area. Much of BFL’s programming is geared …
Jeans BeCause – The Sheldon Arts Foundation
The Sheldon Arts Foundation is another recipient of our Jeans BeCause program. Pictured below are Lauren White, Director of Development; Bob Harrison, President & Chairman of The Daniel and Henry Co.; and Paul Reuter, Executive Director.
The Sheldon Arts Foundation is committed to the preservation and operation of the historic Sheldon Concert Hall and is dedicated to enriching the greater St. Louis region and beyond with a wide range of music, visual arts and educational programs of the highest quality, …
Jeans BeCause – Foster & Adoptive Care Coalition
Our October Jeans BeCause recipient is the Foster & Adoptive Care Coalition. The Foster & Adoptive Care Coalition strives to create permanency in every foster child’s life by recruiting and supporting foster and adoptive families in the St. Louis metropolitan community. This is a non-profit organization founded in 1989. They help connect all other resources to help foster families find a permanent home and encourage adoptive families. They provide 24/7 free Crisis Intervention services for pre- and post-adoptive/guardianship families in …
Jeans BeCause – St. Louis County Library District
Our September recipient of our Jeans BeCause program is the St. Louis County Library District. The St. Louis County Library District was established as a political subdivision of the State of Missouri with taxing authority by an election held in April of 1946. The first library building opened in 1947 and was quickly followed by two branch locations in the heavily populated portion of North County. The 1960s saw an additional four branches, including a new Headquarters building and the …
Jeans BeCause – St. Louis Area Food Bank
The St. Louis Area Food Bank was one of our August Jeans BeCause recipients. The St.Louis Area Food Bank began its service to the community in 1975. Today, they continue to be an organization that relies on the generosity of others to make a difference in the lives of those I need of food assistance. Over the years, they have grown to be the bi-state region’s largest non-profit 501(c)(3) food distribution charity dedicated to feeding those in need.
Jeans BeCause – CASA of Cook County
Our July Jeans BeCause recipient was CASA Of Cook County, Court Appointed Special Advocates for Children. The CASA vision is to protect children who have experienced neglect and abuse by providing them a voice in court, a safe and permanent home, and an opportunity to grow, learn and thrive.
For nearly 30 years, CASA of Cook County has been training diligent, committed, everyday citizens to stand up for children in the foster care system who have suffered the trauma of …
Jeans BeCause – Shakespeare Festival St. Louis
One of our June Jeans BeCause recipients was Shakespeare Festival St. Louis. Inspired by R. Crosby Kemper, III, the idea of a free Shakespeare festival began in 1997, and with broad civic support Shakespeare Festival St. Louis received 501(c)3 status in December 1999. In 2001 Chairman of the Board Marvin Moskowitz, first Managing Director Lana Pepper, and a visionary Board of community leaders produced the first annual free Shakespeare festival in Forest Park. Since the initial two-week run that attracted …
Jeans BeCause – Senior Services Plus
Senior Services Plus, Inc., was established in 1973 after three seniors-Floyd Galliher, Art Steinman and Roy Morrow-realized the need for more senior programs in the Alton area. These three seniors soon formed the Alton Area Senior Citizens Council which has become the present-day Senior Services Plus, Inc.
From its humble beginnings to the present, the agency has gone through one metamorphosis after another, even emerging bigger, bolder, and stronger than before, even in the face of adversity and difficult …
Legal Services of Eastern Missouri receives donation from Nationwide Private Client and Daniel & Henry
Legal Services of Eastern Missouri (LSEM) has received a $5,000 Partners in Giving donation from Nationwide Private Client in honor of Daniel & Henry Co. The money will help provide high quality civil legal assistance and equal access to justice for low-income people and the elderly in Eastern Missouri.
Private Client is Nationwide’s personal lines carrier focused on the affluent market. Its appointed independent agents are offered an opportunity to make a difference in the lives of others with charitable …
Jeans BeCause – Riverbend Head Start & Family Services
Our March recipient of our Jeans BeCause program was Riverbend Head Start & Family Services. The mission of Riverbend Head Start & Family Services is to enable children and families to develop the positive skills to meet life’s challenges.
Riverbend Head Start & Family Services is a non-profit agency that provides children living in poverty, or challenged with special circumstances, with an early childhood education through Head Start and Early Head Start programs. They teach preschoolers early math, reading and …
Jeans BeCause – BCI Help Happens
Our January Jeans BeCause recipient was BCI-Help Happens. The Boone Center’s Social Mission is to enrich the lives of adults with disabilities and their families by providing a choice of productive and fulfilling employment. Boone Center’s Business Mission is to provide human resources and manage logistics to deliver superior value added processing for our customers through partnership based on trust, quality, reliability and flexibility. When both missions are met they achieve their vision: All people have the opportunity to achieve …
Jeans BeCause – Urban Strategies
Our November Jeans Because recipient is Urban Strategies, Inc. Urban Strategies Inc. is a national nonprofit with extensive experience in implementing place-based human capital development strategies in public housing communities that are undergoing comprehensive physical revitalization. Founded in 1978, Urban Strategies works to help communities build safe neighborhoods, enhanced schools, and a range of comprehensive human service supports. Their work is focused in urban core residential communities and is designed to build social and economic mobility for low-income families living …
Jeans BeCause – United Cerebral Palsy Heartland
Our September recipient of our Jeans BeCause program is United Cerebral Palsy Heartland. Founded in 1953, United Cerebral Palsy Heartland (UCP) is a nonprofit, charitable organization dedicated to supporting individuals with cerebral palsy and other disabilities, including Down Syndrome, Autism Spectrum Disorder, physical and developmental disabilities and traumatic brain injury. UCP Heartland is committed to change and progress for children and adults with disabilities, whether it is a disability manifested from birth, the result of an accident or as a …
Biggest Winner Challenge – Season 2
Employees at The Daniel and Henry Co. lost another 236 pounds during Season 2 of our Biggest Winner Challenge. Participants paid $20 each with 50% going to the winners and the other 50% to The Humane Society of Missouri. With the 50% for The Humane Society, we purchased lots of items on their wishlist for them. Others in the office also donated items from their wishlist. In addition, The Humane Society of Missouri was one of our Jeans BeCause recipients …
Jeans BeCause – Mission Gate Christian Center, Inc.
Mission Gate Christian Center, Inc., was our August Jeans BeCause recipient. The vision of Mission Gate Christian Center is threefold: Regeneration, Rehabilitation and Reintegration.
Mission Gate Prison Ministry was founded in 1985. Conservatively nine out of ten that complete the Mission Gate program, never go back to prison.
The guiding purpose of Mission Gate Christian Center is to feed, clothe, shelter and spiritually counsel Christians and others in need, with the emphasis on assisting the homeless, inmates of correctional institutions, …
Jeans BeCause – Riverbend Head Start and Family Services
Our July Jeans BeCause recipient was Riverbend Head Start & Family Services. For over 90 years, Riverbend Head Start & Family Services has embodied itself in their mission to serve those living in Madison County.
Starting in 1916, a group of civic-minded individuals created a family oriented agency named Alton Public (Welfare) Council with a mission to help impoverished mothers care for their own children, and to provide care to people in their own homes.
In 1923 Alton Visiting Nurse …
“The Biggest Winner” Challenge Nets Big Wins for Participants, Local Charities
The Daniel and Henry Co. leads by example
June 30, 2015: St. Louis, MO—Employees at The Daniel and Henry Co. were up for the challenge this year to get in shape, lose weight, eat healthier and get active! After completing 2 quarters in “The Biggest Winner” challenge, Daniel and Henry’s team is 854.8 pounds lighter. And two local charities, St. Louis Area Foodbank and The Humane Society of Missouri, benefitted from all of this weight loss.
How’d they do …
Jeans BeCause – Cancer Support Community
One of our May Jeans BeCause recipients was the Cancer Support Community. Cancer Support Community of Greater St. Louis is an affiliate of the international non-profit organization Cancer Support Community, whose mission is to ensure that all people impacted by cancer are empowered by knowledge, strengthened by action, and sustained by community to enhance their overall well-being. All programs are completely free of charge and offered in a comfortable, home-like environment. Cancer Support Community offers professionally-led support groups, educational …
Jeans BeCause – Senior Services Plus
Senior Services Plus, Inc., was the recipient of our March Jeans BeCause program. Senior Services Plus, Inc., was established in 1973 after three seniors-Floyd Galliher, Art Steinman and Roy Morrow-realized the need for more senior programs in the Alton area. These three seniors soon formed the Alton Area Senior Citizens Council which, through several metamorphoses, has become the present-day Senior Services Plus, Inc.
Senior Services Plus is the “Leader in Aging” for the St. Louis area. They are a non-profit …
Jeans BeCause – Eugene Field House
The Eugene Field House was our January Jeans BeCause recipient. The Eugene Field House & St. Louis Toy Museum was the boyhood home of Eugene Field, who is beloved to this day as the “Children’s Poet” and widely known as the “Father of the Personal Newspaper Column”.
Eugene Field was born in St. Louis at 634 South Broadway, on September 2, 1850. His father, Roswell Martin Field, was a well-known attorney.
In 1853 Roswell served as the attorney …
Jeans BeCause – Empac Group
Empac Group was our December Jeans BeCause recipient. Empac Group is a not-for-profit corporation whose purpose is to employ persons with developmental, mental, and physical challenges in Franklin County. Their workshops help their employees develop themselves as workers, with the goal to help them excel as far as their desire and ability can take them until they are of retirement age.
Empac Group employees provide contract and sub-contract labor for over forty businesses in a 50-mile radius of Washington, Missouri. …
Private Client Advisor Newsletter
View our Private Client Advisor Newsletter. It covers some important risk management topics including:
Kids away at college and beyond
Water leak protection and detection
Special events coverage
Click here to view the newsletter.
St. Louis Ending Violence Against Women Network Awards
Our own Monica Billups and Jim Samson were recently recognized at the SLEVAWN (St. Louis Ending Violence Against Women Network) Breakfast. The mission of SLEVAWN is to end domestic and sexual violence. Both Jim and Monica were recognized as individuals who have gone above and beyond to help survivors secure and/or maintain employment. Congratulations!!!
Jeans BeCause – United Cerebral Palsy Heartland
Our October Jeans BeCause recipient was United Cerebral Palsy Heartland. For the last 60 years, UCP Heartland has helped to enhance the quality of life of people with cerebral palsy and other disabilities, their families, and their communities. UCP believes that individuals with even the most challenging disabilities have the right to quality education and transition services, integrated employment opportunities with competitive wages and career opportunities. They also promote full inclusion in community life by providing resource and referral, advocacy, and …
Jeans BeCause – Urban Strategies
Urban Strategies was our August Jeans BeCause recipient. Urban Strategies Inc. is a national nonprofit with extensive experience in implementing place-based human capital development strategies in public housing communities that are undergoing comprehensive physical revitalization. Founded in 1978, Urban Strategies works to help communities build safe neighborhoods, enhanced schools, and a range of comprehensive human service supports. Their work is focused in urban core residential communities and is designed to build social and economic mobility for low-income families living in …
Jeans BeCause – Senior Services Plus
Senior Services Plus is our September Jeans BeCause recipient. Senior Services Plus is the “Leader in Aging” for the St. Louis area. They are a non-profit 501c United Way agency established to help enrich the lives of older adults through programs and services that encourage independent living. Their Mission is “to provide opportunities and resources to individuals as they age”.
Programs include: Transportation, Meals on Wheels, Travel, Foster Grandparents and Jennifer Bishop’s School of Dance.
Services include: Home Care, Wellness & …
Jeans BeCause – St. Louis Area Foodbank
Our June recipient, the St. Louis Area Food Bank began its service to the community in 1975. They started out in an office space on Lindell Boulevard that was supplied by the Red Cross Bi-State Chapter. In that first year, St. Louis Area Food Bank distributed 135,000 pounds of food. In 2011, they distributed more than 25 million pounds of food received from food companies and grocery stores, the USDA, Feeding America, and community food drives organized by area businesses, …
Jeans BeCause – Humane Society of Missouri
The Humane Society of Missouri was yet another recipient of our Jeans BeCause program. Since 1870, the Humane Society of Missouri has been dedicated to second chances. They provide a safe and caring haven to all animals in need – large and small – that have been abused, neglected or abandoned. Their mission is to end the cycle of abuse and pet overpopulation through rescue and investigation efforts, spay/neuter programs and educational classes. The Humane Society is committed to creating …
Jeans BeCause – Applied Scholastics International
Another Jeans BeCause recipient! Applied Scholastics is an international educational organization providing Study Technology, a precise set of learning tools developed by American author and educator L. Ron Hubbard. Established by a group of American educators in 1972 as a nonprofit, tax-exempt public benefit corporation, its purpose is to promote and develop programs of effective education for educators, business trainers, tutors, parents, children—anyone who needs improved study skills to enhance their scholastic, business and personal success.
Applied Scholastics provides educators, …
Hartford Insurance Honors Long Time Client with a “Hart Mob”
The folks at Hartford’s local office, along with members of The Daniel and Henry Co., descended upon our client (Kopperman’s Deli) for lunch and to thank our client for being a long time customer with Hartford and The Daniel and Henry Co. This was the first “Hart Mob” given by Hartford in the St. Louis area. A good time and a good meal was had by all.
Jeans BeCause Recipient – Grace Hill Settlement House
Grace Hill Settlement House was our April recipient of our Jean’s Because program. Grace Hill Settlement House works in partnership with neighbors and stakeholders to identify the social and economic challenges in North and South St. Louis, and establish families and communities that are strong and self-sustaining.
Through multiple hub-like locations, thousands of St. Louis residents are impacted each year by the multitude of resources and services that Grace Hill Settlement House offers which include early childhood, youth and …
Jeans BeCause Recipient – Boone Center – BCI Help Happens
Boone Center – BCI Help Happens is another one of our Jeans BeCause recipients. The Boone Center’s Social Mission is to enrich the lives of adults with disabilities and their families by providing a choice of productive and fulfilling employment. Boone Center’s Business Mission is to provide human resources and manage logistics to deliver superior value added processing for our customers through partnership based on trust, quality, reliability and flexibility. When both missions are met they achieve their vision: …
Jeans BeCause Recipient – WellSpring Resources
WellSpring Resources was our March Jeans BeCause recipient. WellSpring Resources began in 1959 as a county funded mental health service in Alton, Illinois and has grown to two facilities serving four counties in the Metro St. Louis Area.
Prior to 2011, WellSpring Resources was formerly known as Community Counseling Center of Northern Madison County.
WellSpring Resources serves more than 6,000 adults, children, couples and families each year and is nationally recognized as a leader in recovery. They offer …
Jeans BeCause Recipient – Presbyterian Children’s Homes And Services
Presbyterian Children’s Home was a recent recipient of our Jeans BeCause program.
Presbyterian Children’s Homes and Services has been helping struggling children and families since 1914. Their programs make a real difference in people’s …lives, whether they are struggling with poverty or mental illness, abuse or neglect. They give kids a safe, loving place to heal and to grow when their families can’t provide that. And, they offer extra support that helps families weather trouble together.
Since the …
Jeans BeCause Recipient – The Martin G. Alberico Scholarship Foundation
The Martin G. Alberico Scholarship Foundation was one of our 2013 Jeans BeCause recipients.
The Martin G. Alberico Scholarship Foundation seeks to improve the path to education for deserving college students, through the administration of educational grants to students of talent, and merit, in need.
In 2007, the Martin G. Alberico Scholarship Foundation was established as a 501(c)(3), non-for-profit organization, to provide scholarships for high school seniors and in 2009 the foundation begun granting scholarships to college bound …
Jeans BeCause – Daniel And Henry Co. Cares
Thanks to the generosity of our Employees and Producers, the Daniel & Henry Co. awarded over $16,000 to 23 of our non-profit clients. Very impressive totals for our first year!
We are looking forward to the second year of our Jeans BeCause program in 2014.
Jeans BeCause Recipient – The Woman’s Exchange
The Woman’s Exchange was a November recipient of our Jeans BeCause program. Pictured are Don Hiemenz (broker at D&H), Candace Williams (Board President, Woman’s Exchange) and John Bantle (General Manager, Woman’s Exchange).
Jeans BeCause Recipient – Hyde Park Youth Symphony – Chicago
Tim Lain, a broker in our Chicago office, delivered a check for $1,000 to the Hyde Park Youth Symphony-Chicago this month. The check was a donation made on behalf of the donations made by our employees and owners who participate in our “Jeans BeCause” program. Tim was accompanied by Colleen Signorelli of the St. Louis D&H Office. They were delighted to be able to sit in on the youth symphony’s rehearsal and hear their beautiful music.
The Hyde …
Daniel And Henry Team Supporting Breast Cancer Awareness
Some of our team wearing their pink to support Breast Cancer Awareness month!
Jeans BeCause Recipient – AmeriCorps St. Louis
AmeriCorps St. Louis was another recipient of our Jeans BeCause initiative. AmeriCorps St. Louis is a 501(c)3 nonprofit that builds community by addressing critical unmet needs in the areas of urban education, disaster relief, environmental conservation, and volunteer mobilization.
AmeriCorps St. Louis, formerly St. Louis Partners AmeriCorps, began as a pilot for National Service in the summer of 1994. Since that initial success, it is the only AmeriCorps program in Missouri, and one of only a handful of programs …
Jeans BeCause Recipient – St. Louis Area Foodbank
4,800 Meals! That’s what the St. Louis Area Foodbank will be able to provide thanks to a generous donation from The Daniel and Henry Co.
Through the Jeans BeCause initiative, along with a Selective Insurance Group Foundation Matching Grant, representatives from The Daniel and Henry Co. were able to present a $1,200 check to The St. Louis Area Foodbank. Pictured are Senior VP Matt Dace (STL Foodbank), Don Hiemenz (The Daniel and Henry Co.), VP of Finance Ben …
Jeans BeCause Recipient – Girls On The Run
Girls on the Run just got a little stronger with some help from the folks at The Daniel and Henry Co.
Jeans BeCause Recipient – The Girl Scouts Of Eastern Missouri
The Girl Scouts of Eastern Missouri was another one of our Jeans BeCause recipients. The Girl Scouts of Eastern Missouri serves 60,000 girls in St. Louis City and 28 surrounding counties. It supports three council camps which are Camp Ceda…rledge, Camp Fiddlecreek and Camp Tuckahoo. In partnership with committed adults, girls develop qualities that will serve them all their lives, like strong values and self-worth. They have been a client since 2007.
Pictured are Sal Ruvolo, Carl Hill, …
Jeans BeCause Recipient – The Sheldon
The Sheldon is another recipient of our Jeans BeCause program. The Sheldon Memorial opened its doors in 1912 as the home of the Ethical Society of St. Louis and was host to many notable guest speakers and artists. The St. Louis Globe Democrat declared: “Acoustics sound perfect”. It has been called the “The Carnegie Hall of the Midwest”. The Sheldon has been a Daniel & Henry client since 1984 when a California attorney who had a love of chamber …
Jeans BeCause Recipient – Foster & Adoptive Care Coalition
Rick Halpern, Chairman of The Daniel and Henry Company, presented a check to Foster & Adoptive Care Coalition as part of our Jeans BeCause program. Rossi Summers, Coalition Director of Operations, accepted the donation.
Jeans BeCause Recipient – Angels’ Arms
Our Jeans BeCause program is really doing well. Another recipient was Angels’ Arms. Angels’ Arms believes that foster children deserve the chance to be children, to be part of a family and a community, and to live up to their potential. I…n their nine home, Angels’ Arms provides more than a “roof” for foster parents and children. They provide them with numerous services and resources including monthly activities and meals, to clothing and health issues. Founder and Executive Director, …
Jeans BeCause Recipient – The Cancer Support Community
Another Jeans BeCause Recipient….The Cancer Support Community. The Cancer Support Community is an international non-profit dedicated to providing support, education and hope to people affected by cancer. CSC offers a menu of personalized… services and education for all people affected by cancer. Its global network brings the highest quality cancer support to the millions of people touched by cancer. These support services are available through a network of professionally-led community-based centers, hospitals, community oncology practices and online, so that …
Jeans BeCause Recipient – Cornerstone Center For Early Learning
Cornerstone Center for Early Learning was one of our recipients of our Jeans BeCause program. Cornerstone Center for Early Learning prepares each child for a lifetime of opportunity. As St. Louis’ first accredited early learning facility, …Cornerstone Center is devoted to enriching the lives of children during the critical period of development. Cornerstone Center for Early Learning provides high-quality, affordable, comprehensive care and education for children while following a Constructivist philosophy that governs all aspects of operation.
Jeans BeCause Recipient – Contemporary Art Museum
The Contemporary Art Museum (CAM) is another recipient of our Jeans BeCause program. CAM is dedicated to exhibiting the visual arts and artists of our time and to producing nationally recognized education programs. CAM focuses its efforts on featuring local, national and international, well-known and newly established artists from diverse backgrounds, working in all types of media.
Planning A Summer Vacation? Keep Your Home Safe In Your Absence
The best summer vacations usually require some degree of planning. Don’t forget to plan keeping your residence protected from a home invasion while your family is away. Here are some suggestions from our risk management team here at The Daniel And Henry Co. to safeguard your home from intruders.
Refrain from sharing your travel schedule on social media. One of our most important suggestions is to keep your vacation details to a minimum on social media sites like Facebook and …
Daniel And Henry Co. Explains: Commercial Insurance Coverage
At The Daniel And Henry Co., we recognize the many exposures you will face in managing your business – and we are here to help identify and provide you with the coverage your company will need for protection into the future. A very expansive portion of our business solutions is our commercial insurance coverage.
Property – Make sure your company is properly protected for loss to your property, or the loss of its income-producing ability. We can help you determine …
Thinking About Buying A Boat This Summer? Don’t Forget About Watercraft Insurance!
Much like your home or auto, an important purchase like a boat or Jet Ski needs to be insured to protect you, your family and of course, your new investment. What exactly does a watercraft insurance policy with The Daniel And Henry Co. cover? We go above and beyond what you would find in a standard policy, including the following:
Extended navigational limits
Emergency living expenses
Agreed value claim settlement
Customized coverage for large yachts
Medical and liability protection …
Medical Care For Injured Workers Is On The Rise – Is Your Business Covered?
If an employee is injured on the job, they may be entitled to receive workers’ compensation. Where does the money come from? Federal law mandates that businesses provide workers’ compensation insurance to protect themselves and their employees against loss of wages. Did you know that not all insurance companies are created equal?
With healthcare costs on the rise for workers injured on the job as reported by the Insurance Journal, it is now more important than ever to invest in …
Should Your Business Provide Disability?
If an employee were injured and unable to work for months, what would happen to them? Without any kind of disability insurance, their income could come to a halt, even though their bills keep coming. As business owners, it is important to care about your employees while also remaining profitable.
According to the Council for Disability Awareness, one in four people will become disabled at one point before they retire? For every ten employees between the ages of 35 and …
The Daniel And Henry Co. Explains: The Personal Claims Process
As longtime Midwest residents, The Daniel and Henry Co. is all too aware that spring weather can be very harsh with strong winds and heavy rain. You know that your home and autos are covered by your insurance policy, but in the event that something happens, do you know how to file a claim?
Our Personal Insurance Service department is committed to providing exceptional service at the time of a claim – when our clients need help the most. Our …
Daniel And Henry Co. – More Than Just Rates And Renewal For Health Benefits
As a leading industry professional in Health Benefits, we know that it takes more than just merely offering our customers price to become a trusted business partner — and you’ll hear from us for more than renewal confirmation. The Daniel and Henry Co. helps you understand how our coverages work to solve your problems.
We have an on-site Group Benefits Department that works with you to develop the coverage your business needs. Here is an example of what you can …
Daniel And Henry Co. Presents – Preparing Your Home For Spring
With the worst of the cold weather and winter storms soon to be behind us, homeowners everywhere are beginning to ready their home for warmer temperatures and spring storms. What exactly do you need to do to prepare your household? The Daniel and Henry Co. has prepared a simple checklist for homeowners to get their home spring-proofed.
Although you probably spent a lot of time indoors the past few months, there is still work to be done inside. Our homes’ …
Cardinals Opening Day
A few members of the D&H Team showing their support for the Cardinals on opening day! Go Cardinals!
Jeans BeCause Recipient – Lydia’s House
The Daniel and Henry Company is proud supporters of St. Louis’ own Lydia’s House! A big thank you to all of our employees that participated in our Jeans BeCause initiative!
The Daniel And Henry Co. News: March 2013 Jeans BeCause Beneficiaries
The Daniel and Henry Co. is pleased to announce the first recipients of our inaugural Jeans BeCause program: Lydia’s House, Missouri Botanical Garden and Campbell House Foundation, Inc. Throughout the month, D&H employees have the opportunity to give back by donating a portion of their paycheck each week that gives them the privilege to dress down in jeans once a month – a very big deal around here! Here is a little more about each of the not-for-profit clients that …
Are You A Collector? Insure Your Valuables With The Daniel And Henry Co.
From jewelry to collectibles and electronics to family heirlooms, you probably have more valuables than you realize. Did you know that your Homeowners insurance policy may not currently cover their full value? Make sure your most treasured belongings are properly insured with Scheduled Items and quality coverage.
With a collections and valuables coverage policy from The Daniel and Henry Co., we can help protect the items that are most important to you to ensure that those items will stand the …
The Daniel And Henry CO Recap: The 2013 Economic Outlook Summit
Fiscal uncertainty, changes in tax law and the continued sluggish economic growth are all factors that may impact your business in the upcoming year. How will your company cope? The Daniel and Henry Co. was asked to participate in the 2013 Economic Outlook at the Ritz-Carlton in St. Louis to discuss how these and other issues are impacting St. Louis-area businesses.
Since 1921, The Daniel and Henry Co. has been protecting assets and making a difference for both our business …
Intellectual Property Insurance: Is Your Business Covered?
When it comes to intellectual property, a battle for their rights can be expensive, lengthy and unpredictable. Did you know that there is coverage available to prevent your business from financial responsibility? Before you decide if intellectual property (IP) coverage is right for your business, it’s imperative to understand exactly what IP is.
Intellectual property refers to the creations that are in your mind – think abstract ideas like inventions, literary and artistic works, symbols, names, images and designs used …
Trust A Specialist With Your Commercial Surety Bond
Would you visit a dentist to treat a broken arm? How about a mechanic to do your taxes? We know that people have more common sense than that, but someone seeking a commercial surety may not know that they will be better off with a specialist as well. A St. Louis insurer – like The Daniel and Henry Company – with the experience in commercial surety bonds is the right choice when your business is in need of a surety.
Prepare For Midwest Rainy Season With Flood Insurance
We all know the saying, “April showers bring May flowers,” but it is really what you are doing in first months of the year to prepare for seasonal thunderstorms that counts the most. Midwest weather – from Chicago downpours down to Cape Girardeau flash flooding – can be detrimental to a homeowner. Do you know if your property is in a flood plane? Is your home protected with flood insurance?
Did you know that floods are the most common natural …
The Daniel And Henry Company’s Group Benefits: More Than Just Medical Coverage
Selecting the perfect St. Louis group benefits coverage for your business can be stressful. As an employer, you will find yourself asking questions like, “Are the policies affordable?” and “Are they affordable enough?” Something many business-owners may forget to consider is one all-important question – will my employees find these benefits useful?
Life Insurance – Did you know that business solution specialists can actually determine and identify the most appropriate life insurance coverage options for your employees? According to insurance …
Auto Insurance In The Midwest: What You Don’t Know About Your Policy
You might be surprised to hear about some of the coverage available through your automobile insurance policy – and just as surprised by what may not be covered. Knowledge is power and auto insurance provider The Daniel and Henry Co. thinks it is important to know all about your policy before you find yourself needing to use it.
What’s on the inside actually DOESN’T matter. Your car may be covered by your auto policy, but your belongings are not. …
Excess Liability Insurance: An Insurance Company’s Best Kept Secret
Consumers are always looking for important coverages to address their specific risk. The Daniel and Henry Company can provide a product that has extreme value for its worth. Excess Liability Insurance is one of the best values and most important coverages in insurance.
Excess Liability Insurance can protect you against a potential lawsuit and provide defense costs for as little as $200 annually. The Daniel and Henry Company can offer products with high limits and unique coverage to meet your …
Prepare For Midwest Rainy Season With Flood Insurance
We all know the saying, “April showers bring May flowers,” but it is really what you are doing in first months of the year to prepare for seasonal thunderstorms that counts the most. Midwest weather – from Chicago downpours down to Cape Girardeau flash flooding – can be detrimental to a homeowner. Is your home protected with flood insurance?
Did you know that floods are the most common natural disaster in the United States, yet only 14 percent of homeowners …
The Daniel And Henry Company Presents: Drivers’ Safety And Cell Phones
As technology advances, so do the laws that protects motorists and passengers from distracted drivers talking or texting on their cellphones. The Daniel and Henry Company agrees that cellphone use while behind the wheel should be restricted. Why should you leave your phone in your pocket while driving? Here are a few reasons to stay disconnected.
Risky business – According to the Center for Disease Control, distracted drivers cause 15 deaths and over 1,200 injuries DAILY. At least a …
Protect Your Business With Workers’ Compensation Insurance
Are you starting a new business or thinking about easing your workload by hiring your first employees? In Missouri, all employers with five or more employees must insure themselves with workers’ compensation insurance. Be sure to protect yourself and your company with Missouri workers’ compensation insurance from a company like The Daniel and Henry Company.
If workers’ compensation did not exist, employers would be found caught in an endless cycle of litigation. Missouri lobbyist Rich AuBuchon notes that was …
Management And Professional Liability Insurance 101
Operating a business is a lot like life – high risk often produces high reward. However, the St. Louis insurance professionals at The Daniel and Henry Company know that not all gambles payoff and the need to recognize the many types of exposures you face in managing your business is important. Here is a little more about each type of Management and Professional Liability Insurance policies that we offer:
Directors and Officers Liability Insurance – Directors and officers can be …
Midwest Automobile Insurer Tips: Tire Maintenance And Safety
Taking preventative measures to keep your car running smoothly can save automobile owners trouble, money and stress. The professionals at The Daniel and Henry Company know that upkeep on your car can be tedious, but we assure you that taking the initiative when it comes to your and your car’s safety is worth it! There are four essential tire components that should be assessed monthly – it is as easy as P-A-R-T.
Pressure – Is your tire under-inflated? Low tire …
Give Your Business A Fresh Start With The Daniel And Henry Company’s Business Solutions
It’s a new year – start your business off on the right foot in 2013 with an insurance policy from reputable Midwest insurance provider The Daniel and Henry Company. We recognize the types of exposure you face in managing your business. Our dedicated group of risk management professionals works closely with stable, innovative and financially sound insurers to provide your business with comprehensive coverage along with cost-effective insurance and risk management solutions.
We offer a full range of commercial insurance, …
Keeping Your Automobile Safe: Winter Maintenance Checklist
The Daniel and Henry Company wants to make sure your vehicle is getting from point A to point B this winter. The Daniel and Henry Company is here to help you navigate through snow and ice on the road this season. We have a few winter car maintenance tips to ensure your car is in top-top shape as the temperatures continue to drop.
Before hitting the road in the midst of a snowstorm, be sure that you are checking …
A St. Louis Insurance Company Investigates: What Holiday Gifts Should You Insure?
The New Year is here and the holidays are winding down – did you get everything you asked for this year? If Santa was extra good to you this year, you may want to make sure those new gifts are covered under your current home insurance policy. The Daniel and Henry Company has prepared a list of valuable that you should consider insuring.
Jewelry – If you were fortunate enough to open up one of those cute little velvet boxes …
Looking Back on 2012: A Year To Remember At The Daniel And Henry Company
The Daniel and Henry Company is proud of our many accomplishments and contributions to our clients and community throughout the last year. We are also honored to have had the chance to expand into the greater Chicago area. Here is a quick recap of the events of 2012 that have led us to where we are going into the New Year.Giving back – Our business owes a lot to the St. Louis and Chicago communities, so we try to give …
The Daniel And Henry Company: Affinity Insurance Programs
The Daniel and Henry Company is an independent insurance broker that provides a full range of risk management and insurance products and services to clients locally, nationally, and internationally. We work diligently to provide the most cost-effective solutions for your business and personal needs with policies from our Affinity Insurance Programs.
The trust of our clients has allowed The Daniel and Henry Co. to grow over the years, giving us the opportunity to carry these specialized policies. We offer …
Winter Driving Tips From The Daniel And Henry Company
No matter the road conditions, the end of the year marks peak traveling time for drivers across the country. Whether your journey leads you directly to an interstate or takes you through winding, country roads, it is important to be prepared before your family starts their trip. The Daniel and Henry Company has a few trips that can help keep you, your family and your car safe this holiday season.
Many people are in a hurry around the …
More Than Insurance Policies: The Daniel And Henry Company Resource Center
Life happens – that is what insurance is for. But what do you do when you have a quick emergency? The Daniel and Henry Company Resource Center was designed to provide our clients access to a variety of integrated online services. Our clients have access to what they need, when they need it.
Client Login– Our client portal allows clients to access account information quickly, including login and print new insurance cards, make changes and more. MyWave Portal provides a …
Homeowner Holiday Travel Tips From The Daniel And Henry Company
We love the holidays because of the time we get to spend with our friends and loved ones – we even find ourselves traveling across the country to visit our families. Anyone that has seen the movie Home Alone knows that criminals like The Wet Bandits prey upon homes they know will be empty. If you are one of the many families that will be traveling this holiday season, The Daniel and Henry Company have some helpful tips that will …
Holiday Travel Safety Tips From The Daniel And Henry Company
Whether your last stop is across town or across the country this holiday season, travel this time of year can be very stressful. Be ready to anticipate delays, unexpected traffic and bad weather before you get into your car. Don’t let holiday traffic and weather keep you at home – just follow these tips from The Daniel and Henry Company to help you arrive safely at your next destination.Schedule a tune-up – Complete any scheduled or overdue car maintenance before …
A Midwest Insurance Company Gives Back To The Community
St. Louis residents will be safer this winter due to a $5,000 grant given to the St. Louis Fire Department by St. Louis insurance company Daniel and Henry and the Fireman’s Fund Insurance Company in October. The donation allows firefighters to distribute carbon monoxide detectors to those in need. According to the fire department, there should be at least one carbon monoxide detector in each home.
Carbon monoxide is a danger because it is odorless, tasteless and colorless – a …
Prevent Midwest Thanksgiving Accidents: Skip The Deep-Fried Turkey
Many families across the Midwest are preparing for Thanksgiving dinner later this week. An increasingly popular trend in preparing your family’s main course is dropping your prized bird into a deep-fryer. We can’t argue that deep-fried turkey doesn’t sound delicious, but is it worth the risk? The Daniel and Henry Company is here to explain the danger of cooking your turkey in a deep-fryer.
Did you know that – according to the National Fire Protection Association – there are over …
Hurricane Sandy In Chicago: Daniel And Henry Helps Explain How To File A Claim
In the wake of Hurricane Sandy, families and business owners are trying to pick up the pieces of destruction and move forward with their lives. Even those as far west as the Daniel and Henry Company’s office in Chicago are dealing with the repercussions of the hurricane.
Chicago experienced powerful, northern winds that created giant waves along the lakefront – causing flooding and erosion. Did you experience storm damage? Don’t wait – be sure to file your insurance claim as …
Insure Your Collections And Valuables With The Daniel And Henry Company
People often spend a lot of time and money adding to their collections – but many times they neglect to properly insure their beloved pieces. Whether it is a natural disaster that causes destruction to the entire ensemble of collector’s items, or simply clumsiness that could possibly break one or two pieces, the Daniel and Henry Company can help insure your collections and valuables with our extensive, quality coverage.
Collections made up of belongings that are unusual, of special interest …
Midwest Companies Trust Group Benefit Coverage to Daniel and Henry
The Daniel and Henry Company knows that the cost of operating a business is high. That is why our Group Benefits Department works with you to make sure your employees have the coverage that they need – and can afford. We serve our clients and their employees to provide:
· Customized strategic plans
· Cost control
· Access to virtually all insurance and administration markets
· Access to a dedicated team of specialists — all through a single point of …
Daniel and Hennry Company: Live From The Red Carpet
Many of us have sat through the Emmy Awards looking to spot faces that we recognize – maybe Meryl Strep, Brad Pitt, or Robert DeNiro. Have you ever seen someone you actually know walk the red carpet? The Daniel and Henry Company’s very own Don Norris and his wife Trudy did just that!
At this year’s 2012 Emmy Awards September 23rd, Don and Trudy were guests of American First Insurance – along with many other industry colleagues – and rubbed …
Daniel and Henry Explains Commercial Claims
Your business should be protected in case a catastrophe occurs. But what happens after the accident? Do you know the process of filing a commercial claim? The Daniel and Henry Company makes it easier for our clients to complete the claims process.
At the point a claim is filed, our goal is to assist you in securing a prompt and fair settlement. Throughout the process, we are available as your advocate to assist with providing:
· Resources for services such …
Three Fall Home Maintenance Tips From The Daniel And Henry Company
Autumn is one of the most beautiful times of the year – the leaves are changing colors, fall decorations are on display and we get to sport our warmer weather wardrobe. With all of the fun things that come with the fall season, there are also a few preparations that should be made to ready your home for the winter months.
1. Furnace checkup – Do not wait until winter to find that your heating system needs a tune-up. Change …
St. Louis Innsurance Company Opens Its Doors in Chicago
The Daniel and Henry Company is pleased to announce the opening of our newest office in Chicago, Illinois (doors officially opened on October 1, 2012). This office is our third location with the headquarters located in St. Louis and an office in Cape Girardeau, Missouri.
We welcome veteran producers Steve Lorenzini, Doug Marcheschi, Bill Durkin, Michael Sobel, Richard Blumberg, Tim Lain, Marc Alberico, Jeffrey Oostema and Mike Blumberg who, along with their professional staff, to the Daniel and Henry team.
How To Spot Insurance Fraud: Staged Automobile Accidents
You have car insurance to protect yourself in case something goes wrong. Whether or not you are at fault. Did you ever stop and think if you were being played? Did you honestly rear-end that car, or did they cause the accident on purpose? Automobile insurance fraud has turned into a cash cow for scammers across the country. Be alert if any of these situations sound familiar to you – you may have been the victim of fraud.
· A …
Awkward Home Encounters: Who Pays For Damaged Home Goods?
A recent Miss Manners’ column featured a dinner party guest who got more than they bargained for – dry cleaning bills for a one-of-a-kind tablecloth. The guests were warned by the hostess of the tablecloth’s importance and uniqueness and were asked to please not spill anything on it. Of course, the guest’s glass of wine spilled – by accident. After a surprising phone call from the hostess, the guest was asked to cover the expensive costs of the cleaning. What …
Insurance 101: What To Know About Your Student Leaving For College (Part 2)
Did your college student take their car with them when they left for college? Will they be insured? If your child’s car gets broken into on campus, will your automobile insurance cover that claim? Daniel and Henry breaks down the best way to approach your college student’s automobile insurance while they are away at school.
The best thing you can do to ensure coverage for your student’s automobile while they are away is to contact your insurance provider. Communication is …
Insurance 101: What To Know About Your Student Leaving For College (Part 1)
With the fall 2012 semester well underway, parents all over the country are beginning to adjust to life without their college students under the same roof. Did you know that those expensive gifts they received at their high school graduation might not be covered under your current homeowner’s policy? The Daniel and Henry Company has compiled some important information regarding your dependent’s coverage while they are away at school.
It is important to determine whether or not your home insurance …
Insurance and Risk Management 101: How To File A Claim
In the event that you actually have to use your insurance and file a claim, The Daniel and Henry Company knows that you will have a lot on your plate. The last thing you need is a long, drawn out personal claims process. That’s why we make it easy for our clients.
Our Personal Insurance Services Professionals are committed to helping you with every step along the way. We strive to provide exceptional customer service at the time of a …
Accidents Happen – Are You Covered?
Merriam-Webster’s definition of insurance is “a means of guaranteeing protection or safety.” Do you have a quality life insurance policy to protect your family? Do you know how you would meet your financial obligations if you became sick or hurt and couldn’t work? Do you want to protect your assets and avoid burdening your family members with nursing home and care bills?
Life Insurance – There is a general belief out there that having life insurance can bring misfortune to …
Risks At Home: Clothes Dryer Fires
Did you know that clothes dryer fires costs policy holders on average $35 million a year? A report by the U.S. Fire Administration (USFA) details that approximately 2,900 clothes dryer fires happen annually. During fall and winter months, homeowners are more likely to be victim to a fire – here are some tips to prevent a dryer fire in your home:
Dryer maintenance – Fires often stem from improper installation or maintenance. Just like other appliances in your home – …
Daniel and Henry Company’s Approach to Loss Control and Risk Management
As a business owner, you know that your company is unique and deserves a unique approach to loss control. The Daniel and Henry Company does just that – we create customized loss control programs to custom fit your company’s individual needs.
Our loss control professionals are not only the best in the Midwest, but nationwide as well. We have created a four-step approach to identify all of your needs and to pinpoint where you need improvements. The following is how …
Midwest Drought Dilemma: Weaken Basements
The Midwest is getting hit hard this summer with relentless, extreme heat with no reprieve in sight. Because of these conditions, many residential and commercial basements are being plagued with foundation issues – especially in the St. Louis metro area.
The greater St. Louis area is largely built upon clay-rich soil. During this dry summer – after draining all of the moisture – the soil is so dried out that it begins to crumble and shrink. Why is this dangerous …