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Claims

The Benefits of Telematics for Company Vehicles

By accident investigation, Auto, Business, car camera, Claims, Commercial, commercial insurance, company drivers, company vehicles, fleet claims, fleet management, fleet performance, fleet safety program, fleet tracking, Insurance, Liability, Loss Control, Risk Management, Technology, telematics

When I’m completing a risk management review for one of our commercial partners, the most common area of losses we discuss are fleet claims. Whether your company has one vehicle or 100, having drivers out on the roadway poses a…

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Through the Roof! How Roofing Scams Will Cost You

By Central, Claims, fraud, Home, home repair, Insurance, insurance fraud, Personal, Prevention, Risk Management, roof contractor, roof damage, roofer, roofing scam, scam, storm chasers, Weather

  In January 2020, The Federal Trade Commission (FTC) released its 2019 Consumer Sentinel Network Report showing that they received a total of 23,963 reports from home repair, improvement, and product fraud. This is a staggering amount of fraud re…

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Cracking the Code on Commercial Umbrellas

By blanket additional insured, Business, business owner, Claims, Commercial, Commercial general liability, commercial umbrella policy, general liability, independent agent, Insurance, Liability, liability coverage, owning a business, professional liability, protection, Umbrella

Many people in the insurance industry will agree that umbrellas are one of the most misunderstood lines of insurance coverage in existence. Of course, it’s easy to understand why when you look up the definition of “umbrella” and get explanations…

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Now Might Be the Perfect Time for an Account Review

By Adequate coverage, adequate protection, agent, annual insurance review, Auto, Business, business owner, Claims, Commercial, Home, Household Inventory, independent agent, independent insurance agent, Insurance, insurance program, insurance review, Liability, liability exposures, owning a business, Personal, personal assets, Prevention, protection, Umbrella

If you’re like many of the people I’ve spoken with over the past couple of weeks, your life is beginning to return back to a revised sense normalcy, which is a good thing considering you’re probably starting to run short…

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Utility Line Protection – A Hidden (or Buried) Treasure?

By Claims, corrosion, coverage, decay, deterioration, drainage system, endorsement, Home, homeowners insurance, homeowners policy, Insurance, perils, Personal, rust, sewer lines, underground piping, utility line, wear and tear

Our office had a couple of interesting conversations regarding digging up yards recently. In one instance, the husband of one of our account managers started to dig up someone’s yard to help them replace sewer lines. To his surprise, when…

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Medical Payments – The Forgotten Homeowner Insurance Coverage

By bodily injury, Central, Claims, comprehensive protection, coverage, coverage limits, exclusion, homeowners insurance, homeowners policy, Insurance, Liability, medical payments, Personal, personal liability coverage, protection, slip and fall, slip and fall accidents

There are a few homeowner insurance coverages that almost everybody has but very few think about. Personal liability is one of those coverages and even lower on the totem pole is medical payments coverage. However, that doesn’t mean it isn’t…

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Winter Driving and Auto Claims Tips

By Accident, accident claims, Auto, auto accident, auto claim, auto insurance claim, automobile accident, car accident, Claims, claims process, driving safety, driving safety tips, Insurance, Personal, Prevention, road conditions, safe driving, Weather, Winter, winter weather

Winter storms often bring a rash of auto claims. Winter driving can be dangerous, so it is essential to stay alert and be smart. Let’s talk about winter driving safety tips, and steps to simplify the claims process should you be…

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Collision or Comprehensive: Which Coverage Applies?

By Accident, Auto, auto accident, auto insurance, auto policy, car accident, car insurance, Claims, collision, collision coverage, comprehensive coverage, comprehensive protection, deer, driving safety, ice, Insurance, Liability, other than collision, Personal, personal auto coverage, personal auto policy, road conditions, road safety, snow and ice, Weather

With all the deer roaming around this time of year, it can be dangerous for people traveling on the road (see our recent blog post Oh Deer! Drive Defensively this Season). We also know that ice and snow are coming soon (if it…

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Life Brings Storms: Personal Umbrella Policy has Protection

By Accident, Auto, auto accident, auto and home, auto claim, auto insurance, auto policy, bodily injury, Claims, Financial, Home, Insurance, lawsuit, Liability, liability claims, liability coverage, liability insurance, liability limits, Personal, personal injury, Personal Insurance, personal liability coverage, Personal Umbrella, personal umbrella policy, Umbrella

Many personal insurance policies provide liability coverage to protect you if you are sued as a result of an injury for which you are responsible, whether it is bodily injury or personal injury. We all know that lawsuits can stem…

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