Central Insurance Companies

Driven to Distraction

Distracted driving.   It’s a term we’ve heard a lot lately.  My job requires me to drive quite a bit and it seems like I see people driving while staring at their cell phones every time I’m on the road.  The fact is, it’s a dangerous practice.  According to the National Highway Traffic Safety Association, in 2009 more than 5,400 people died in crashes that were reported to involve a distracted driver and about 448,000 people were injured.

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The ABCs of D&O

Many of us have been asked to serve on a nonprofit board for organizations such as the YMCA, the local church, a museum, library, or civic group. What if, while a member of that board, you make a decision and one or several of the members do not like the outcome or allege you breached your duty as a director or officer? A legal suit is filed against you and the board. What happens now? Who will pay for your defense attorney?  Did you know your personal assets may be exposed by participating as a board member for a nonprofit organization? You could lose everything you have worked for just by making one decision while serving in a position for which you aren’t even paid!

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For College Students, Some Exclusions May Apply

With college kids back to school, parents often call to remove their children from their auto policy to try to save a few dollars. While this may be possible in some states, it is not the case for all.

In Massachusetts, for example, all household members or customary operators of a vehicle must be listed on the auto policy. If a person’s legal address is your home, then they are considered a household member.

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Ouch! Now What?

You’re at work moving storage boxes when suddenly, you feel a sharp pain in your back.  At first, you take a few deep breathes thinking you have just pulled a muscle and if you give yourself a moment, you’ll be alright.  However, after a few minutes, the pain continues and you realize it may be something more serious.  Now what should you do?  Fear sets in. If you go to the doctor, how will you pay for treatment?  If you miss time from work, how will you pay your own bills? 

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Trusting Your Favorite Websites

Just because malicious websites exist doesn’t mean you should limit the capabilities of the trusted sites that you frequently visit. There are already enough cases in life where the majority is deprived due to the actions of a select few. Don’t let the use of your favorite websites become another. Here are some steps you can take to free your favorite, valid sites from their undeserved persecution.

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Education Doesn’t End at Graduation

The school busses are on the road and kids are back in school.  This is a great time for everyone to give thought to their personal “education” and development.  In our ever-changing world, learning doesn’t end when we graduate from high school or college.   In order to be successful and stay current, people need to have a “continuous improvement” mindset.  Think of it as an investment in yourself that makes you more valuable to your present employer and will help prepare you for a future opportunity.

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Understanding and Preparing for a Premium Audit

You just received a phone call from someone who says they represent your insurance carrier and would like to set up an appointment to audit your business operations.  You’ve paid all of your premiums on time so what could they possibly want?

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