Category Archive for : ‘Claims’

Leveraging Your Insurance Relationships

Many business owners cringe at the thought of going through the insurance process.  It’s one of the few, if not only, line items in your expenses that you pay for every year with the hope of never using. With that mindset, it can be easy to waive off additional, seemingly superfluous lines of coverage. While your premium affords you coverage from your carrier, your agent’s role is to use their expertise to find the right coverage better position you against the risks facing your business.

As a commercial

Employees who face work-related injuries and illnesses commonly have subsequent stress and anxiety. Oftentimes, this stress is made worse by employers who stop communicating with the employee while they’re unable to work.

It is important for employers to make their employees feel appreciated and to invest in their well-being. This rapport helps employees feel welcomed, valued and trusted. As a result, if employees are injured at work, they are much more likely to report accidents and injuries.

Furthermore, lack of communication with employees can increase their workers’ compensation claim costs. Injured employees

Keeping Up with Rising Costs

When was the last time you went shopping for a car? The trends for car prices are obvious: up, up, and away they go. Vehicle prices are not the only things skyrocketing. The cost of construction, goods and services, etc. are all steadily increasing year after year. You may be asking yourself how these rising prices relate to auto insurance, and the answer is surprisingly simple: your Property Damage coverage.

What Does Property Damage Coverage

The most overlooked line of an automobile policy is Property Damage coverage, which

From an insurance and risk management standpoint, what snow and ice contractors cannot do enough of is document, document, and document. This unexpected, yet critical contractor tool In this highly litigious society we are living in it has never been more important to keep track of all the information you can. Recently insurance carriers have moved to much stricter guidelines when underwriting potential businesses.  They now require certain documentation, such as logbooks. Lack of documentation will cause insurance carriers to offer higher premiums or decline coverage altogether. Proper documentation will

If you are under the impression that Workers’ Compensation rates are set by the state, well, you’re right!  But don’t be under the impression that you cannot do anything to help lower your overall premium.  Minimizing workers’ compensation risks is always an available option. Developing a proactive risk management approach can help you create a safer, more structured workplace which over time will help lower your modification score.  If we could provide you a plan that would eliminate workplace accidents, we would, but that is not possible.  What we can

If you offer health insurance to your employees you are aware that it is bought in one – year policy increments. Every year your insurance broker arrives at your office, spreadsheet in hand ready to explain why you received an increase. Insurance carriers do this in order to protect themselves from long-term losses by having the ability to adjust your premium on a yearly basis. Unfortunately, as a business providing health insurance you will almost certainly offer it for more than one year.

As a result, business owners need to start

Two words that no contractor likes to hear together, “slip and fall.” From an insurance agent’s perspective these words can also be understandably painful. Our industry events cover this topic so regularly we can all understand the fear. There are seminars on how to prevent slip and falls, seminars on how to fight slip and falls, seminars on how to create contracts to not be held liable for slip and falls, and the list goes on. So are slip and falls truly as dangerous an issue as everyone is making

Did You Know?

Ice dams are caused by uneven heat loss from your home in wintry conditions refreezing melted snow. This causes the roof to warm above freezing temperature, which allows snow to melt and then re-freeze before it reaches the roof’s edge.  If this cycle repeats consistently, an ice dam forms and water builds up behind it. As the water collects it can cause expensive water damage.

Often the water that ice dams push into homes travels around wall and ceiling cavities until it finds the path of least resistance to escape. By the time you see

The season is changing fast and cold nights and snowy days are upon us.  The winter season can be the most challenging season for us all.  The added stress of the holidays combined with less than perfect weather, certainly provides a most challenging season to deal with.  Bearing through Winter is exactly what we do.  We clench our teeth and push through until it’s time for that clock to spring forward again.  Amongst everything else that we need to do for this cold season, protecting your home from future claims

Garaging location-it is a question asked to anyone who purchases auto insurance, but do you really know what it is? The term itself can be misleading because it in no way refers to whether or not you have a garage or if your vehicle is parked in one. What makes a garaging address different from a regular address?

The answer is actually quite simple. A garaging address is the location where your vehicle is parked when not in use. In most cases this is the place where you live, but there