Central Insurance

Every Business Needs Office Insurance: Here’s Why

office insurance

While there’s typically no such thing as one-size-fits-all when it comes to insurance, commercial insurance is designed to offer protection to a wide range of businesses and industries from broad coverage to niche needs. The functions of these companies can run a wide gamut, but one thing they have in common is office exposure. If your business occupies office space, it’s important to understand the value of office insurance and how it ensures you have the right coverage to protect yourself and your employees, customers, and business.

What kind of office insurance do I need?

No two companies are exactly alike, which is why commercial insurance offers a vast range of protection options. The first step is speaking with a knowledgeable agent who can walk you through questions about your business to determine the right office insurance for your situation. These factors may include: 

  • Whether you own or rent your office space
  • The types of services you provide
  • The location of your office
  • Whether customers visit your premises
  • Whether or not you keep cash on the premises
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Agero: Central’s Roadside Service for Personal Auto Policyholders

roadside service

Research shows that Americans experience 69 million vehicle breakdowns each year, resulting in 30 million lost workdays, and 9 billion lost dollars from drivers and businesses.

At Central, our promise of excellence includes doing everything we can to protect our policyholders from losses like these. That’s why we’ve implemented a new and improved roadside service for Central’s personal auto policyholders: Agero.

In this article, we outline the services available within this program, uncover the top five benefits of enrolling, and explore how Central’s customers are already responding to Agero.

What types of roadside service does Agero offer?

Central’s roadside service program provides support for various issues drivers may face on the road. Below, we list some of the most common:

Towing Services

If your vehicle breaks down, Agero can connect you directly to a local tow company that will tow your disabled vehicle to the nearest repair facility. You can also request your vehicle be towed to your preferred location though extra charges may apply.

Lyft Transportation

For those who have their car towed to a repair shop, certain members can get a Lyft to transport them either to the repair shop or another location.

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What is a Named Insured in Underwriting?

named insured

When underwriters think about risk, fire and theft come to mind. However, one risk that might be overlooked is improperly underwriting multiple named insureds. Yet the named insured is a key element in any commercial insurance policy. 

Who is considered a named insured on a policy?

The named insured on a policy includes any person, firm, organization, or any of its members specifically designated by name as an insured(s) in an insurance policy.

Which policies require a named insured?

All commercial and personal insurance products and policies have a named insured.

How can I tell who is listed as a named insured on my policy?

You can find named insureds listed on a policy’s declarations page. Named insured status provides full coverage under the general liability policy, so it is important to understand all of the operations of any named insured listed on a policy.

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New Homeowner Checklist: Insurance Edition

new homeowner checklist

Buying a home is a major life milestone that inevitably comes with a long to-do list. While upgrading appliances and jumping into yard maintenance may feel like the most urgent priorities on your new homeowner checklist, the importance of reviewing insurance coverage for your new house is often overlooked.

We’ve put together this handy new homeowner checklist to simplify the process so you can focus on more pressing decisions—like picking out the perfect paint color. 

What Impacts Home Insurance Coverage and Rates? 

In today’s real estate market, it’s easy to get swept up in a flurry of listing photos and competitive bidding wars. Most buyers know to ask about property taxes and school districts, but not everyone is aware of the factors that impact insurance rates and availability when purchasing a new home. In addition to basics like the age of your home, roof condition, and flooding potential, here’s a short list of six additional considerations that may come as a surprise: 

1. Proximity to the coastline, earthquake, wildfire, or flood zones

Geography plays a large role in determining risk, particularly in areas of the country prone to hurricanes, earthquakes, or wildfires. If you’re moving into a zone where these acts of nature are a concern, be sure to explore how the construction of your home impacts its ability to withstand a potential hazard—then discuss it with your agent. 

Digging Deeper: Check out FEMA’s Flood Map to review flood zones in the area before you buy. 

2. Proximity to a fire hydrant and/or fire station

When it comes to house fires, every minute matters. The distance between your home and the nearest fire station and hydrant can impact insurance rates given that even small delays in response time increase loss potential. 

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Why Do I Need a Builder’s Risk Policy?

builders risk

Whether you’re undertaking new construction, a remodel, or a renovation, a Builder’s Risk policy is an important consideration for residential and commercial properties. 

What is a Builder’s Risk Policy?

Designed to cover a property throughout the course of construction, a Builder’s Risk policy offers coverage on an open-peril basis and may include coverage for property at off-site storage locations or during transit. 

While Builder’s Risk policy coverage limits are often based on the total estimated completed value of the property, rates for new construction are usually less than completed building rates due to the smaller exposure in the early stages of a construction project.

Learn More: New Homeowner Checklist: Insurance Edition

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New Car Insurance and 4 Other Items to Bring When You Purchase a Vehicle

new car insurance

The process of buying a new car can be stressful. It involves a lot of big decisions, such as what make and model to get, how much you’re willing to pay, if you want new or used, if you’re going to lease or buy, and many, many more. 

Often, once you’ve made all the choices and you’re finally ready to pull the trigger on a new vehicle, you may experience a common phenomenon known as car buyer’s decision fatigue, a condition in which your brain is exhausted from the act of making so many choices in such a short period of time.

Decision fatigue during a car buying experience is a risky condition. According to the New York Times, it can lead to impulsive purchases or rash last-minute decisions you’d never make if you were functioning at full capacity. For that reason, experts suggest walking into your final car-buying experience prepared and armed with the tools you need to handle the exchange rationally. 

One of the most effective ways to prepare is to ensure you’re bringing everything you need with you to the dealership. Below, we outline the five essential items you need when purchasing a car. 

5 Essential Items to Bring When Buying a New Car

1. Your Driver’s License

Though it may seem obvious, bringing your driver’s license when buying a car is important in confirming you are a registered driver. Your driver’s license is also a quick and easy way to verify your address with the dealer when filling out paperwork. Other proof of residence documents might be recent utility bills or credit card statements.

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Everything You Need to Know About Central’s E-options


Providing our policyholders with an exceptional experience is at the heart of all we do here at Central. Our e-options make it easy for you to manage your insurance directly from your computer, phone, or tablet.

In this article, we’ll review what Central’s e-options include, how to get started using them, and how these tools can make your insurance experience easier than ever.

What are Central’s e-Options?

There are four main ways you can manage your account online with Central. The first and most important is your myCentral portal, which is a hub for all your personal and policy information. From within myCentral, you can report or check the status of a claim, access your insurance ID cards, request roadside assistance, and more. 

Keep in Mind: myCentral is also the portal to your e-billing, e-policy, and Electronic Funds Transfer (EFT) options.

The next e-option Central offers e-policy. E-policy allows you to easily access your current policy information, make changes or updates to your existing coverage, and more.

E-billing is the option to receive and manage your billing statements electronically. . Change your due date, verify your future bill schedule, examine your payment history, and more from within this tool. E-billing members can also sign up to have billing notifications sent right to their phone.

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Fleet Management Solutions: How to Minimize Loss and Maximize Profits

fleet management solutions

Whether you’re a large trucking company or a small business using vehicles to deliver services, the challenges you face regarding fleet management are likely the same. Compliance requirements, maintenance issues, route optimizations, and supply chain disruptions can all make the task of effectively overseeing and maintaining the use of company vehicles a daunting task. 

In recent years, certain fleet management solutions have risen to the top as some of the most impactful for businesses of all sizes and scopes. Telematics, for example, has been identified as one of the most effective fleet management solutions a company can invest in. According to the U.S. Government Accountability Office (U.S. GAO), this method can facilitate cost savings by providing fleet managers with information needed to reduce fleet size, fuel use, misuse of vehicles, and unnecessary maintenance.

Another common concern among businesses is keeping fleet claims at a minimum.

“Interestingly, one of the most frequently asked questions searched by business owners is, ‘What can we do to keep fleet claims down?’” says Terry Powers, a retired loss control specialist at Central Insurance. “Business owners or managers constantly struggle to minimize losses while maximizing profitable fleet operations.”

The answer, Powers continues, is in loss control.

What is Loss Control? Loss control is a form of risk management in which you reduce the possibility that a loss will occur or reduce the severity of a loss that might occur by taking proactive steps for prevention.

When it comes to loss control in this area, supervisors should consider one of the dynamic fleet safety management programs on the market today. These tools offer comprehensive safety products as a means of ensuring safe fleet operations. 

Below, we break down three of the key aspects of digital fleet management programs, and how they directly combat common fleet management issues.

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How Central’s Major Case Program is Preventing Insurance Fraud: a Q&A with Central’s Special Investigative Team

insurance fraud

Insurance fraud is an unfortunate reality within the industry. When successful, these scams hurt not only insurers but also policyholders who get entangled in them.

In response to an increase in insurance fraud cases, Central has developed a Special Investigations Unit responsible for identifying potential scams before they happen, stopping in-progress insurance fraud, and developing technologies that discourage potential fraudsters from choosing Central as a target. 

Within the Special Investigations Unit is a specialized team that investigates some of our largest potential and active fraud cases. This group is known as the Major Case Unit

Developing this niche and highly trained team is just another way Central has upheld our commitment to protect our policyholders and fulfill our promise to deliver on integrity and excellence at every opportunity.  

We had a chance to sit down with some of the core members of the Major Case Unit at Central and discuss how this group was formed, what it does, and the impact it’s had on insurance fraud at Central and beyond.

Question: How did the Major Case Unit come to fruition? 

Jeff Lieberman (Director of Anti Fraud & Recovery at Central): “About a year ago, we realized Central was receiving medical bills that did not appear in line with services rendered. We were receiving bills requesting exorbitant amounts for simple procedures. For instance, what should have been a $10,000 epidural injection was billed for $500,000.

As we started to take a closer look, we discovered many providers behind these bills had thousands of fraud referrals in the system. That doesn’t necessarily make everything a legitimate fraud case, but it does raise some red flags. Once we began peeling back the layers, we quickly realized we had more than just an isolated incident on our hands. Our Major Case Unit was created in response to that discovery.”

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Insurance Fraud Detection: Exploring Central’s Industry-Leading Fraud Analytics Program 

The Special Investigations Unit at Central Insurance is known industry-wide for its contributions to the insurance fraud detection process. Jeff Lieberman, Central’s Director of Special Investigations & Recovery, is at the heart of that work.

Over his career, Lieberman has developed strategic partnerships with technology companies, government entities, and even other insurance carriers to unify data, integrate systems, and work together to identify, mitigate, and prevent insurance fraud. 

In this article, we dive into the two distinct factors contributing to Lieberman’s fraud analytics system, discuss the extensive benefits of this approach, and explore the impact this one-of-a-kind model has made on the fraud detection process at Central and beyond.

The Two Key Components of Central’s Fraud Detection Model

Lieberman’s fraud investigation model strategically layers a claimant’s historical data with relevant externally sourced information. Below, we dive into each of these components and explore how they interact to provide a full scope of information on each claim and detect potentially fraudulent behavior early on.

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