Archives
Are you looking for a four-legged friend to add to the family? Before you purchase a pooch, be sure you check with your insurance agent or company to verify that the dog is acceptable. Most insurance carriers have a list…
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Category: Central, Claims, Home, Liability, Personal
Tags: agressive breeds, Akita, American Kennel Club, Beagle, Chow, dog bite, dog breed, German Shepherds, Golden Retriever, insurance, Labrador, Pitbull, Rottweiler
How much do you spend on groceries each month? Gas? Cell phones? Car insurance? I recently made a list of my monthly expenditures in preparation for a meeting with my financial advisor. How did my list look after completing this not-so-fun…
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Category: Auto, Central, Financial, Home, Independent Agents, Personal, Saving Money, Trusted Choice
Tags: anti-theft, collision, comprehensive, credit, deductible, discount, independent agent, insurance, iPhone, passive restraint, premium, saving money, Starbucks, Trusted Choice, vanilla latte
Every year as people begin to talk about what they are making for Thanksgiving and which family member will top their crazy list, I get excited. Now, admittedly, I love to see and spend time with my family, but the…
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Category: Business, Central, Claims, Commercial, Employees
Tags: Black Friday, claim, coverage, employee, First Report of Injury, holiday, injury, insurance, part-time, retail, seasonal, Thanksgiving, worker, workers' compensation
While most of the Northeast is still grappling with the aftermath of Superstorm Sandy, they may soon have more high winds, rain, and possibly snow to deal with. What is known as a “nor’easter” is expected to hit the eastern…
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Category: Central, Home, Personal, Prevention, Weather
Tags: blizzard, damage, emergency supplies, generator, insurance, insurance claim, Mother Nature, nor-easter, power, power outage, Safety Tips, severe weather, storms, Superstorm Sandy, tree damage, weather radio, winter
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…
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Category: Auto, Education, Personal, Saving Money
Tags: auto policy, cars, college student, driver, excluded, exclusion, good student discount, household member, insurance, premium, vehicle
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…
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Category: Business, Claims, Commercial, Education, Employees, Liability, Loss Control
Tags: claim, employer, First Report of Injury, injury, insurance, Job Description Form, medical benefits, permanency rating, Wage Statement Form, wages, workers' compensation
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…
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Category: Business, Central, Commercial, Financial
Tags: auditor, business, cash disbursements, certificate of insurance, commercial insurance, general ledger, insurance, payroll ledger, policy, premium audit, subcontractors, tax returns
When it comes to workers’ compensation, it’s important to report every claim right away, even if the claim seems downright absurd. Those are the claims that will likely take more time to settle. Why? Some claims, like a finger caught in a…
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Category: Claims, Liability
Tags: claim, date of loss, employer, insurance, investigation, liability, report of injury, statute, worker, workers' compensation
Anything that can go wrong, will go wrong. This adage, coined by American aerospace engineer Edward Murphy some six decades ago, is known as Murphy’s Law. A popular variant to this statement adds the conclusion “at the worst possible moment.”…
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Category: Home, Risk Management
Tags: air conditioning, coverage, Edward Murphy, electrical breakdown, equipment breakdown, home systems, home warranty plans, insurance, mechanical breakdown, Murphy's Law, television, TV
The old saying goes “April showers bring May flowers.” But did you know that April showers can bring more than May flowers? Yes, unfortunately those April showers which are so important to flower growth can also bring dreaded water losses. …
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Category: Central, Claims, Home, Loss Control, Personal, Prevention, Weather
Tags: april showers, exclusion, flood insurance, insurance, may flowers, mold growth, overflow, sewer drain, sump discharge, sump pump, water back-up, water damage, water losses, water mediation, wet rot