Category Archive for : ‘Claims’

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

What is a pothole?

A pothole is a type of failure in an asphalt pavement caused by the presence of water in the underlying soil structure. Water causes erosion forming a depression or hollow in the road surface.
Potholes can damage your vehicle in many ways. Driving over a pothole unexpectedly can cause a wide array of damages such as:

Bending of wheel or rims
Puncturing of tire
Damage to exhaust or alignment systems

Potholes can be costly and depending on your insurance policy, you may or may not have coverage for hitting one.

How will your

With the winter winding down chances are that you had one or more insurance claims arise. Maybe it was a slip and fall, or a plow truck accidentally hitting a curb or maybe it was one of your employees getting injured on the job. This is why you have insurance. But how are these new claims viewed by your insurance carrier? How will they affect your premium?

When an insurance claim gets processed the carrier will attach a reserve amount to it. A reserve is the amount of money the insurance

If you have ever driven by or been in an auto accident most likely you’ve also seen an ambulance on the scene carting the injured parties off to the hospital.  As you take that ride in the steel stallion, did you ever think about who is responsible for your medical bills?  Who will pay for them if you are involved in a serious auto accident? Many of us assume that our health insurer will be the only call however, did you know that your auto insurance will help cover your