Insurance

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  • Workers’ Comp Benchmarking Study

    Insurance Thought Leadership
    articles@insurancethoughtleadership.com
    22 Apr 2014 | 3:00 am
    Like most industries, the workers' compensation industry has hurdles that challenge growth and operational effectiveness. Many of these hurdles for workers' comp are commonly the focus of research, with numerous studies published about the state of cost drivers, claim trends, workforce demographics, jurisdictional comparisons and the like. However, less is reported about how peers compare in terms of operational challenges, priorities, concerns, skills gaps and budgets. In response to this need, the 2013 Workers' Compensation Benchmarking Study was developed, and Rising…
  • Asia-Pacific needs more insurance against natural catastrophes: Asian Development Bank

    Business Insurance - Web News
    23 Apr 2014 | 3:34 am
    The Asian Development Bank has said the Asia-Pacific region has to improve its insurance to tackle the huge toll of floods, droughts and other natural catastrophes, Asia Insurance Review reported.
  • The Most Important Protection Many Families Overlook

    Insurance
    Fran Shaw
    9 Apr 2014 | 1:00 pm
    The Most Important Protection Many Families Overlook Posted on Wed, Apr 09, 2014 Building a family together may be life’s most rewarding endeavor. Getting married, buying a first home, and having children can all be exhilarating experiences. Each of these accomplishments brings a sense of relief along with a whole new set of responsibilities. Many times couples can become overwhelmed by these rapid life changing events. At a time when it’s most important, the last thing many couples want to think about is life insurance. Most couples realize the value of life insurance but…
  • 6.3% cut in workers' comp rates is sought for Ohio's public sector

    PCI SmartBrief
    24 Apr 2014 | 5:18 am
    A proposal filed by the Ohio Bureau of Workers' Compensation would reduce base rates for workers' comp for private-sector com -More- 
  • Insurance status affects where young adults seek health care

    INSURANCE - Yahoo News Search Results
    23 Apr 2014 | 6:21 pm
    Perhaps due to lack of or inconsistent insurance coverage, young adults age 18 to 25 tend to go to the doctor’s office less often than children or adolescents, yet have higher rates of emergency room use, finds a study. These findings are from a study of data from the 2009 Medical Expenditure Panel Survey, collected in advance of the implementation of the Affordable Care Act (ACA), which allows ...
 
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    About.com Business Insurance

  • Hurricane Prophesies

    18 Apr 2014 | 5:31 am
    For small business owners along the U.S. Eastern Seaboard, I have some good news! Meteorologists at Colorado State University are predicting a milder than normal hurricane season this year. They expect nine named storms to occur, two of which will become hurricanes. The average for the Eastern Atlantic is twelve named storms, seven of which become hurricanes. In case you are wondering, a storm is assigned a name when it becomes a tropical cyclone, a storm that has wind speeds of at least 39 m.p.h.   More good news comes from the National Oceanic and Atmospheric Administration. This year…
  • General Motors and Reputational Suicide

    11 Apr 2014 | 8:16 am
    If there's one thing that can harm a company's reputation, it's a well-publicized product recall. Just ask Lululemon, the Canadian seller of yoga wear. Last March the company announced that it was recalling one of its best-selling products, black Luon yoga pants, because they were too sheer. Shortly thereafter, Lululemon's CEO resigned and sales slowed. Fortunately for Lululemon, the company seems to be recovering. Now General Motors is in the hot seat, and the problems it is facing are much more serious than Lululemon's. See-through yoga pants may have embarrassed some customers but they…
  • Slippery Slopes

    4 Apr 2014 | 3:17 am
    The search continues for missing residents of the Oso, Washington area following the landslide that occurred on March 22. As of this morning, 30 people had been confirmed dead and 15 were still missing. These aerial photos show the scope of the devastation. As you can see, the slide left a deep gouge in the hillside above the town of Oso. Many of the homes that were destroyed are now buried under 15 to 75 feet of mud. Landslides happen more frequently and are more widespread than you might think. As you can see from this landslide map I found on the USGS website, landslides occur in all 50…
  • The Mystery of Flight 370

    28 Mar 2014 | 5:14 am
    Malaysian Air Flight 370 has now been missing for almost three weeks. On Monday the Malaysian Prime Minister formally announced that the plane had gone down in the Southern Indian Ocean off the west coast of Australia. The Malaysian government reached this conclusions based on satellite data as no wreckage has yet been found. The situation is bizarre! Who would hijack a plane only to crash it into the ocean? It doesn't make sense. There are also questions of liability. However, until the plane's "black box" is located, we won't know who was (or is) responsible for the loss of the plane and…
  • Rideshare Risks

    21 Mar 2014 | 5:38 am
    This week Uber and Lyft, two ridesharing companies, announced that their insurance policies have been extended to cover drivers who are logged into the companies' networks but are not transporting any customers. Previously, drivers were covered only while transporting passengers. Lyft will cover these drivers subject to a $1 million limit, while Uber will provide a limit of $50,000 per person and $100,000 per accident. While this extension of insurance is a positive move, it does not address the primary problem. Drivers for these companies are relying on their personal auto policies to cover…
 
 
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    California Personal Injury and Insurance Blog

  • 10 things not to do when you are driving

    steinlaw
    18 Apr 2014 | 6:04 am
    While driving around over the last few days, I have seen some really bad driving. This has been especially troubling with some of the recent cases that I have had in my office, including seeing a fatality. People need to...
  • Why you need med pay coverage - now

    steinlaw
    11 Apr 2014 | 6:34 am
    You have choices when it comes to med pay. Wait, what is med pay? Med pay is the short hand for medical payments coverage. This is the coverage that pays YOUR medical bills incurred as a result of a car...
  • Time to update your estate planning

    steinlaw
    28 Mar 2014 | 7:03 am
    This is completely off topic, but the point of this blog is to make sure my readers are protected. It has always been about education, with a little fun thrown in on the side. Well, today is all education. In...
  • Watch out for Infinity Insurance's Policy

    steinlaw
    21 Mar 2014 | 6:03 am
    Are you insured with Infinity Insurance? Have you read your policy lately? If you are insured with Infinity, you need to stop reading this, get a copy of your policy and read it now. Why the urgent need? Infinity has...
  • Free Auto Insurance & Homeowners Insurance Review

    steinlaw
    14 Mar 2014 | 7:24 am
    Do you know what is covered by your insurance policy? Does your car insurance cover you if you are struck by an uninsured motorist? What about med pay coverage? Do you have the right deductibles? Are your auto insurance coverages...
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    Specialty Insurance Blog

  • Data Breach Report: Cyber Risks Continue to Increase

    Specialty Insurance Blog
    22 Apr 2014 | 6:49 am
    Verizon has just released its 2014 Data Breach Investigations Report, and anyone interested in Cyber Risk and Cyber Risk Insurance should check it out. Also see an excellent summary article from Re/Code here. Key points: 2013 is going to go down as something of a watershed year…It was a year when computer security incidents became something that mainstream people worried about a lot The number of overall attacks is on the rise [The report identifies] nine patterns that together describe 92% of the confirmed data breaches Attempts to steal intellectual property rose…There were two basic…
  • Program Managers Need to Be Licensed

    Specialty Insurance Blog
    15 Apr 2014 | 7:00 am
    A recent bulletin from the Excess Lines Association of NY (ELANY) notes that a program manager underwriting on behalf of an excess lines insurer must be licensed as an excess lines broker. Program manager also means cover holder, managing general agent or program administrator. Of note – the bulletin also notes: Excess line brokers owe their duty to the insured not the insurer under New York law. Tennant Risk Services is a specialty wholesale broker and underwriting manager, and delivers expertise, markets and exemplary services to our retail insurance agent clients in the placement of…
  • Side A D&O Insurance

    Specialty Insurance Blog
    8 Apr 2014 | 7:00 am
    D&O insurance (Directors & Officers) policy forms have evolved dramatically over the last decade or so, and now typically include a variety of coverage extensions. For private companies and non-profit entities EPL is an obvious example – something we take for granted today. Entity coverage is another example, and one that is not always helpful. In certain extreme situations entity coverage can deplete limits rapidly, leaving no coverage for individual directors and officers. Side A D&O insurance coverage, also called Side A Excess or Side A DIC, has become a mainstream insurance product…
  • Architects/Engineers E&O Insurance Market

    Specialty Insurance Blog
    25 Mar 2014 | 7:00 am
    Like many professional liability (E&O) segments, rate increases and tightening underwriting are slowing in the Architects/Engineers E&O Insurance market. An improving economy, and the improving construction market in particular, are driving growth in the sector and associated growth in premiums. A recent survey by Ames & Gough (see here) confirms this moderating trend. The survey of 14 insurers indicates that 9 insurers plan to raise rates this year, and the other 5 plan to keep rates flat. Of the insurers planning to increase rates this year, 7 plan to increase rates 5% or less. Tennant Risk…
  • Consent to Settle Provisions in E&O Insurance Policies

    Specialty Insurance Blog
    10 Mar 2014 | 7:00 am
    The consent to settle provision, or hammer clause, is prevalent in E&O (errors & omissions or professional liability) insurance policies. And it gets a bad rap. The wording might read as follows: The Insurer’s duty to defend ends if an Insured refuses to consent to a settlement that the Insurer recommends. The Insurer’s liability shall not exceed the amount for which the Insurer could have settled such Claim had such Insured consented, plus Defense Costs incurred prior to the date of such refusal… The wording is written to protect the insurer in the event of a bad outcome while giving…
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    About.com Personal Insurance

  • Is Your Teen a Distracted Driver?

    22 Apr 2014 | 12:18 pm
    If so your insurance may go up due to insurance companies increasing rates for distracted driving citations such as texting while driving. Check out more at Teens Driving and Distracted Driving: Why is Driving Distracted a Problem With Teens Driving?...Read Full Post
  • Kidnap Ransom Extortion Insurance

    20 Apr 2014 | 12:02 am
    You've watched the movies and "true story" TV shows that make all of us scared of traveling and getting kidnapped. And whenever there is a risk, there is usually insurance to cover it. Kidnap Ransom Extortion Insurance is real and available for purchase.
  • Odd Homeowners Insurance Coverages

    13 Apr 2014 | 7:15 am
    You know you are covered for fire and theft but what about expensive ingredients? Yes, you may have some coverages in your homeowners insurance policy you are unaware of! ...Read Full Post
  • Protecting Your Fine Jewelry

    6 Apr 2014 | 1:57 am
    Do you have have insurance for your antique and fine jewelry? If so, do you have enough? Learn the 4 Steps to Protecting Your Fine Jewelry to help you keep your antique and fine jewelry protected.
  • Annuity Choices

    27 Mar 2014 | 5:37 am
    An annuity can provide you income for the rest of your life. There are different types of annuities to choose from depending on your needs. Check out these articles on annuities for more information:...Read Full Post
 
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    HomeApproved Car Insurance Blog

  • Best In-Car Driving Apps

    HomeApproved
    31 Mar 2014 | 2:56 pm
    Best In-Car Driving Apps With the use of iPhone and Android smartphones having taken off over the last 5 years, there doesn’t seem to be any aspect of our lives that they don’t reach into. What seems like only a small number of years ago we were introduced to in-car entertainment in a big way via our top of the range Blaupunkt radio and cd player. Soon to follow was the in-car satellite navigation systems led by TomTom and Garmin. It’s always surprising how quickly these brands and technologies have come into fashion and then disappeared when a newer gadget hits the…
  • 4×4 Vehicles Coming into Their Own?

    HomeApproved
    22 Mar 2014 | 7:46 am
    4×4 Vehicles Come into Their Own In the UK we have just experienced one of the wettest winter’s on record. As a nation we have been affected very severely by an exceptional run of winter storms, culminating in serious coastal damage and widespread, persistent flooding. Many home owners were evacuated from their flooded homes, and motorists had to abandon journeys because of impassable roads. Was this an extraordinary run of inclement wet weather not to be repeated for decades or is this likely to be the scenario for many periods in the near future? Recent studies have suggested…
  • Connected Car Insurance

    HomeApproved
    15 Mar 2014 | 4:15 am
    Connected Car Insurance The next 50 years will witness enormous developments in car technology. You can compare the seismic evolution about to hit the roads with the first introductions of the diesel engines into the automobile back in the 1930′s. Whilst the development of the diesel engine still continues to this day, you can be sure that the evolution of connected and even driverless car technology will be driven forward at even greater speed. This bodes the question of what the ramifications are for car insurance. Not just in the UK but across the globe. As motorists many of us…
  • Porsche 918 Spyder – A REAL Game Changer

    HomeApproved
    10 Mar 2014 | 2:23 am
    Porsche 918 Spyder – A REAL Game Changer Pure. Energy. This is how the marketing folk at Porsche simply describe the fantastical motor car that is the Porsche 918 Spyder. A brutal and mesmeric combination of distinctively Porsche hybrid fused with ultra-intelligent technology. In our opinion this car, perhaps even more so than the iconic Bugatti Veyron, moves us forward with greater confidence, and optimism into the world of future motoring. The Porsche 918 Spyder represents an entirely new look at the supercar. It perhaps, truly heralds the future of the sports car, one that…
  • Classic Cars – Profit or Pitfall?

    HomeApproved
    28 Feb 2014 | 1:52 pm
    Right now, in the HomeApproved office we just can’t get enough of Mike Brewer and Ed China in that classic Discovery UK channel TV show Wheeler Dealers! Quite what it is that grips the attention of every member of our office – none of whom have the slightest inclination, in the past, now or in the future to get their hands dirty under a bonnet, is difficult to tell? What is of immense interest however to all of us (ladies included) is the motor car. Pure and simple. In particular the classic car. Recent episodes of Wheeler Dealer have taken us on a stroll down memory lane: from…
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    Work Comp Roundup

  • SafeCareBC Launched, Focus on Fewer Healthcare Injuries

    Kori Shafer-Stack
    24 Apr 2014 | 5:30 am
    Officials in British Columbia (Canada) are zeroing in on lessening the number of workplace injuries in the healthcare sector.   The BC Care Providers Association and WorkSafeBC recently announced the launch of SafeCare BC, a workplace health and safety association that will focus on reducing the severity and frequency of injuries in the continuing healthcare sector.   SafeCare BC is based on a successful model in Alberta, which has seen overall injury claims in the continuing care sector drop by an average of 20 percent, long-term disability claims by more than 25 percent, and back…
  • Case Study: How an International Media Giant Reduced Workers’ Compensation Costs

    Rebecca Shafer, J.D.
    23 Apr 2014 | 6:30 am
    A worldwide publishing business employing 30,000 employees in diverse positions (clerical, reporters, heavy-machine operators, and fleet drivers) was having little success containing workers’ compensation costs, which were rising every year.     The employer knew they were vulnerable to work comp claims. Back injuries, carpal tunnel syndrome, repetitive stress disorders, slips, trips, falls, and motor vehicle accidents were all common; machinery related accidents resulted in more serious and costly claims for amputation and broken or crushed limbs. Repetitive trauma claims were…
  • Louisiana Employer Cited, Facing Nearly $78K in Fines

    Kori Shafer-Stack
    23 Apr 2014 | 5:30 am
    Fines nearing $78,000 is what one Louisiana employer is looking at after a follow-up inspection for safety reasons.   The U. S. Department of Labor’s Occupational Safety and Health Administration (OSHA) recently cited U.S. Minerals LLC with 11 safety and health violations from a follow-up inspection that began in September 2013 at the Harvey facility.   The manufacturer of abrasive blasting and roofing materials faces $77,770 in fines for failing to train and protect workers when entering hazardous confined spaces, implement safe lockout/tagout procedures when maintaining…
  • Work Comp And The Indirect Approach – Tips For Employers

    Attorney Theodore Ronca
    22 Apr 2014 | 6:30 am
    Work comp and the indirect approach – tips for employers.   There are many tools employers can use to solve their workers comp problems. The answer to the problem can be a traditional solution, but workers compensation is a moving target, so the employer is required to consider all options.   Consider the option of “The Indirect Approach”, which in recent years has been described as “thinking out of the box”.   The theory of the indirect approach was published in the 1920s. Don’t do the obvious and don’t do what has consistently failed. Otherwise, you are…
  • Massachusetts Employers to See Savings in Work Comp Deal

    Kori Shafer-Stack
    22 Apr 2014 | 5:30 am
    With many companies struggling to stay in the black these days, there is some good news coming out of Massachusetts.   Massachusetts businesses will save $75 million in a deal reached recently with the State Rating Bureau and the Workers Compensation Rating and Inspection Bureau (WCRIB) that prevents a proposed plan to increase workers compensation insurance rates by an average of 7.7 percent across the state, Attorney General Martha Coakley announced.   Following opposition from Coakley against the increase initially proposed by the insurance industry, the Commissioner of Insurance…
 
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    About.com Health Insurance

  • Beware of the Health Insurance Subsidy

    23 Apr 2014 | 11:46 pm
    Is coming up with hundreds or even thousands of dollars with very little notice your idea of a nightmare? Are you getting a health insurance subsidy? Then you need to be aware of a little-known part of the Affordable Care Act affecting people who get the premium tax credit health insurance subsidy. While filing your income taxes next year, in a process called reconciliation, you'll have to compare the subsidy amount you actually received with the amount you should have received.  If the amounts don't match, you may have to pay all or part of your income back. Find out why this happens…
  • The Most Important Process Nobody Has Heard Of—Utilization Review

    19 Apr 2014 | 2:45 am
    Utilization review often determines whether your health plan will pay your health care bill or not. Oddly for such an important process, most people have never heard of utilization review. If you've ever been admitted to the hospital or had an expensive health insurance claim, you've been through the process of utilization review even if you didn't realize it. If your hospital stay or health care service didn't pass utilization review, your health plan probably refused to pay your health insurance claim by issuing a claim denial. Learn more about this important process in "Utilization…
  • What Exactly Does a Case Manager Do, Anyway?

    15 Apr 2014 | 11:36 pm
    Have you been assigned a case manager by your health plan? Have you been visited by a case manager in the hospital? Did your home health care company assign you a case manager? If you're not sure what, exactly, a case manager does, what you can expect from her, and why you need one, you're not alone. Learn more in "What Does a Case Manager Do?"   Image © Jack Hollingsworth/Getty Images
  • Avoid Screw-Ups When You’re Discharged From the Hospital

    10 Apr 2014 | 11:00 pm
    If you're admitted to the hospital, nursing home, rehab facility, or home health care services, you'll need a good discharge plan to help make the transition home successful. Learn more about what a discharge plan is, how it works, and why it's such a big deal in "What Is Discharge Planning and & How Does It Work?"   Image © Hans Neleman/Getty Images
  • Uninsured Last Year? Afraid of the Tax Penalty?

    8 Apr 2014 | 11:00 pm
    If you're filing your taxes and afraid you'll have to pay the Affordable Care Act's tax penalty for being uninsured, don't sweat it. The penalty wasn't in force for 2013, so you won't have to pay it when you file this April 15th. However, if you're uninsured right now, you may well owe a tax penalty when you file your 2014 taxes on April 15th of next year. Learn more about the tax penalty in "How Much Is the Health Insurance Penalty?   Image © Ethan Miller/Getty Images
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    Colorado Health Insurance Insider

  • Ways the ACA Could Be Improved Edition of the Health Wonk Review

    Louise
    23 Apr 2014 | 11:41 pm
    In Colorado, the snow is melting and the flowers are blooming. The health wonks around the blog world have given us an excellent collection of articles this week, many with suggestions of ways the ACA could be improved.  Our favorite part of hosting the HWR is reading all of the different perspectives that the writers [...] The post Ways the ACA Could Be Improved Edition of the Health Wonk Review appeared first on Colorado Health Insurance Insider. Related posts: The ACA getting the job done, and a great Health Wonk Review Special Edition Health Wonk Review – SCOTUS And The PPACA…
  • Short term health insurance is your best option if you missed open enrollment

    Louise
    16 Apr 2014 | 2:27 pm
    Short term health insurance plans don’t have an open enrollment period Connect for Health Colorado extended the open enrollment deadline to April 15, but open enrollment in 2014 ACA-compliant plans is now over.  Short term health insurance plans may be the best option if you didn’t get your enrollment submitted on time. The exchange is continuing to [...] The post Short term health insurance is your best option if you missed open enrollment appeared first on Colorado Health Insurance Insider. Related posts: Open Enrollment For Individual Health Insurance Plans Starting in 2014…
  • ACA here to stay, workplace safety, and a decrease in inpatient care

    Louise
    11 Apr 2014 | 9:11 am
    Billy Wynne hosted the most recent edition of the Health Wonk Review, and it’s excellent.  Billy’s website, Healthcare Lighthouse, is an excellent resource that I found thanks to this HWR – check it out if you haven’t already. Some of my favorite articles in this edition come from Wendell Potter, Julie Ferguson and Brad Flansbaum. [...] The post ACA here to stay, workplace safety, and a decrease in inpatient care appeared first on Colorado Health Insurance Insider. Related posts: The ACA getting the job done, and a great Health Wonk Review The Safety Of Planned Home…
  • Colorado making great progress covering the uninsured and underinsured

    Louise
    8 Apr 2014 | 2:54 pm
    Last November, the 2013 Colorado Health Access Survey was released with a variety of updated data, including the number of Colorado residents who were uninsured in 2013:  about 741,000.  That was down from 829,000 two years earlier, but is still 14% of our state population.  And it doesn’t include the people who are considered underinsured [...] The post Colorado making great progress covering the uninsured and underinsured appeared first on Colorado Health Insurance Insider. Related posts: Connect for Health Colorado Exceeding Enrollment Targets The Expansion Of Medicaid Primarily…
  • Connect for Health Colorado Updates On The End Of Open Enrollment for Health Insurance in 2014

    Louise
    24 Mar 2014 | 11:44 am
    Back in October, six months probably seemed like plenty of time to have open enrollment for health insurance in 2014.  And for all the procrastinators out there – you know who you are! – there was always tomorrow.  But we’re now down to just one week remaining in open enrollment.  The good news is that [...] The post Connect for Health Colorado Updates On The End Of Open Enrollment for Health Insurance in 2014 appeared first on Colorado Health Insurance Insider. Related posts: Open Enrollment For Individual Health Insurance Plans Starting in 2014 Connect for Health…
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    Home Insurance Blog

  • 7 Ways Insurance Carriers Celebrate Earth Day Every Day

    Katherine Wood
    22 Apr 2014 | 8:08 am
    This Earth Day, you can celebrate with someone you probably don’t expect: your insurance carrier. Many customers think of insurance companies as entrenched in tradition and slow to innovate. In reality, carriers have championed sustainability and climate change efforts for longer than most other types of companies. Why have insurance companies been so environmentally active? For the last 10 years, insurance losses in the U.S. have soared higher than ever. In fact, property casualty losses rose to $35 billion in 2012 with Superstorm Sandy alone causing $18.8 billion in losses, according to…
  • Get Your Home Ready for Spring

    Samantha Alexander
    27 Mar 2014 | 6:31 am
    Spring has finally arrived. For the parts of the U.S. affected by the polar vortex, it couldn’t get here fast enough. There still might be a few more cold days in the offing where you live, but flowers and warmer temperatures are right around the corner. To you, this may mean it’s time for spring cleaning and repairs. Get ready for the new season with these home maintenance tips. Around the house Install weatherstripping on your windows and doors. Weatherstripping is easy to install and a can help you save on your energy bill each month. Replace the A/C filter before the summer…
  • Use Your Tax Refund to Earn Savings on Insurance

    Arthur Murray
    21 Mar 2014 | 8:27 am
    April 15 is looming. By now, many of you have filed your federal and state taxes (the rest of you should get cracking) and are waiting for some long-anticipated checks in the mail (if you haven’t gotten your refunds already). The average refund this year, according to the IRS, is roughly $3,034, and more than $146 billion had been refunded by the U.S. Government as of the end of February. Rather than blow that nice chunk of change on a brand new flat-screen or a down payment on a car, we’ve got some smart ideas for how you could invest your refund in your home in order to earn even more…
  • Don’t Let Spring Break Become Spring Breakdown

    Arthur Murray
    13 Mar 2014 | 11:15 am
    March marks the start of spring break season for colleges and schools across the country, which means thousands of students and families will be piling in cars and hitting the open road. It’s easy, with all the necessary planning and packing, to forget to prep your vehicle for the trip. However, failing to properly equip your ride could leave you stranded on the side of the road when you should be chilling on the beach. So whether you are going a short distance or driving across the country, here are some tips to ensure that you and your car are ready for the drive. Check the basics.
  • Top 5 Affordable Cities to Buy a Home

    Samantha Alexander
    7 Mar 2014 | 8:47 am
    Looking for an affordable place to live? Consider these five cities, which offer some of the nation’s lowest median home prices, home insurance premiums, and property tax rates. But we don’t think affordability should mean sacrifice, so we chose cities with growing job markets that also offer plenty of leisure activities. Here are our top affordable cities, in no particular order: St. Louis This midwestern city makes our list not because of its low home insurance premiums and property tax but for its median home value of $95,000. St. Louis is a favorite for affordability due to…
 
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    Insurance Law Hawaii

  • Exclusion Does Not Bar Coverage for Injury To Subcontractor's Employee

    Tred Eyerly
    23 Apr 2014 | 3:01 am
       The Third Circuit reversed the district court and held that the additional insured was covered for injury to the subcontractor's employee despite an employee's exclusion in the policy. ArcelorMittal Plate, LLC v. Joule Technical Serv, Inc., 2014 U.S. App. LEXIS 2905 (3d Cir. Feb. 18, 2014).    ArcelorMittal Plate, LLC (AMP) owned a steel production facility. AMP contracted with Joule, an industrial staffing and engineering firm, for regular performance of maintenance and repair work at its plant. Joule was obligated to provide a CGL policy adding AMP as an additional…
  • Delay In Noticing Insurer of Loss is Not Prejudicial

    Tred Eyerly
    21 Apr 2014 | 3:01 am
       The Tenth Circuit reversed a district court's determination that untimely notice of the loss was prejudicial, eliminating the insurer's coverage obligations. B.S.C. Holding, Inc. v. Lexington Ins. Co., 2014 U.S. App. LEXIS 4492 (10th Cir. March 11, 2014).        In January 2008, the insured's employees detected an inflow of water in a salt mine and feared dissolution of the salt or structural problems. The insured tried to devise a solution. Two and a half million dollars were spent to find the cause of the water inflow and to identify a solution.  In April 2010, the…
  • Hawaii Business Magazine Recognizes Damon Key Blogs

    Tred Eyerly
    17 Apr 2014 | 8:12 pm
       Hawaii Business magazine has published an article by Jon Letman, "Hawaii-Focused Legal Blogs," in the April 2014 edition. [article here].     In addition to this blog, the article discusses blogs authored by Anna Oshiro focusing on Hawaiiconstructionlaw.com (construction litigation, arbitration, bonding, and licensing issues), Mark M. Murakami in Hawaiioceanlaw.com (maritime, Jones Act, navigation, etc.) and Robert H. Thomas at inversecondemnation.com (addressing land use and inverse condemnation issues).     Thanks to Hawaii Business magazine and Jon Letman for…
  • Coverage Established for Property Damage Caused by Added Product

    Tred Eyerly
    16 Apr 2014 | 3:01 am
        Applying Minnesota law, the federal district court determined the supplier of contaminated dried milk had coverage. The Netherlands Ins. Co. v. Main Street Ingredients, LLC, 2014 WL 1012793 (8th Cir. March 18, 2014).    In 2007, Plainview Milk Products sold dried milk to Main Street Ingredients, LLC, who then sold the dried milk to Malt-O-Meal. The dried milk was used by Malt-O-Meal in its instant oatmeal products.    In June 2009, the FDA found Salmonella bacteria at Plainview's plant. The FDA also observed thirteen instances of insanitary conditions in the plant. Plainview…
  • Claim Against Broker for Failure to Procure Adequate Coverage Survives Summary Judgment

    Tred Eyerly
    14 Apr 2014 | 3:01 am
       The broker's motion for summary judgment, seeking to dismiss negligence claims for failure to obtain adequate coverage, was denied by the court in Voss v. The Netherlands Ins. Co., 2014 N.Y. LEXIS 384 (N.Y. Ct. App. Feb. 25, 2014).    The insured met with a representative of CH Insurance Brokerage Services Co., Inc. (CHI) to discuss coverage for the premises and her two companies. At CHI's request, the insured shared information on sales figures for calculating business interruption coverage. The broker represented that CHI would reassess and revisit the coverage needs as…
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    TDI News Releases

  • workercompsystem

    22 Apr 2014 | 2:34 am
    04/22/14 - AUSTIN, TX – Declining workplace injuries and fewer claims for workers’ compensation benefits are leading to lower costs for employers, Commissioner of Workers’ Compensation Rod Bordelon said today during invited testimony before the House Business & Industry Committee.
  • deasonfraud

    17 Apr 2014 | 9:21 am
    04/17/14 - AUSTIN – A Fort Worth man faces ten years in federal prison following a conviction for insurance fraud.
  • captivemarket

    10 Apr 2014 | 7:55 am
    04/10/14 - AUSTIN – The Texas Department of Insurance (TDI) has approved the formation of a new captive insurer and the redomestication of two other captive entities under new rules adopted to implement Senate Bill (SB) 734.
  • retireplanning

    8 Apr 2014 | 7:55 am
    04/8/14 - AUSTIN – Planning for retirement -- and to enjoy the years following a successful career -- can include making important decisions about many financial products, including insurance and annuities.
  • bordelontestimony

    6 Apr 2014 | 11:42 pm
    04/7/14 - AUSTIN, TX - Commissioner of Workers’ Compensation Rod Bordelon today presented testimony to the Texas House Committee on Public Health regarding the recent decline in the number and cost of opioid drug prescriptions in the Texas workers’ compensation system.
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    auto-insurance « WordPress.com Tag Feed

  • Child Safety Seats - Frequently Asked Questions

    partnermatthew
    10 Apr 2014 | 8:04 am
    California’s New Child Passenger Safety Law effective January 1, 2012 California Law will require children to ride in the back seat in a properly secured child passenger safety restraint until they are at least 8 years old or until they are at least 4 feet 9 inches in height. Why was the law revised? Children are at greater risk when riding in the front seat. A child’s injury risk is reduced by 33% when moved from the front seat to the back seat. Are there exemptions? Yes, there are a few. Your child may ride in the front seat if: Your vehicle has no rear seats. Rear seats are…
  • Best Local Auto Insurance Miami

    drezand
    10 Apr 2014 | 7:47 am
    https://www.facebook.com/MiamiDiscountAutoInsurance?ref=br_rs
  • Best Local Car Insurance Boston

    drezand
    10 Apr 2014 | 7:46 am
  • Insurance tip of the week

    giffordassociatesinsurancebrokers
    10 Apr 2014 | 5:51 am
    No fault is whose fault? Insurance terms can be confusing! Learn more about what the term no-fault means to your automobile liability Click here for no-fault insurance info! Visit Gifford Associates Website
  • Want to save on your auto insurance? Get married

    Insurance Company of Florida
    10 Apr 2014 | 5:46 am
    According to insuranceQuotes.com, a married woman pays 22% less on her auto insurance than her single counterpart.  A married man pays nearly 20% less on her insurance than his single counterpart. Age is one of the biggest factors in the price of your auto insurance premium.  As people age, they become more mature and make better decisions and become better drivers. If you are a 20 year old male, your insurance premium is likely to be 40% more than a 25 year old male. Usually after age 60, your premiums begin to go back up.  When a single man turns 75, he will be paying 25% more for his…
 
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  • Dad furious over TSA's actions with kids

    24 Apr 2014 | 5:43 am
    Dad furious over TSA's actions with kidsGettyA man was outraged when his kids, ages 2 and 6, got pat-downs, but opinions on his video are mixed. Why TSA says it was 'necessary'Take a look JetBlue pilots vote to unionize Simple way to protect phones
  • Yankees pitcher caught cheating

    24 Apr 2014 | 5:43 am
    Yankees pitcher caught cheatingAPNew York's Michael Pineda was ejected when the Red Sox spotted him violating MLB rules.What umpires found on his neckWide world of sportsCowboys eyeing QB in draft?Seahawks QB, wife file for divorce
  • Would-be kidnappers get the wrong guy

    24 Apr 2014 | 5:43 am
    Would-be kidnappers get the wrong guyA jailed gang leader hired the men to snatch the prosecutor who sent him to prison, but then the 'kidnappers' looked up the wrong address online.Who they took insteadMore news storiesJudge's words for murdererVicious nursing home attack
  • Cleared of murder, Jonathan starts fresh

    24 Apr 2014 | 5:43 am
    Cleared of murder, Jonathan starts freshAssociated PressAfter 24 years, Jonathan Fleming walked out of prison a free man, with a lot of catching up to do.Met his son for the very first timeIn other newsNFL releases 2014 schedule'High end' cough syrup pulled
  • Three American doctors killed in Afghan hospital

    24 Apr 2014 | 5:43 am
    Three American doctors killed in Afghan hospitalASSOCIATED PRESS An Afghan security guard opened fire on a group of American doctors at a Kabul hospital, killing three and wounding a nurse.Two killed were a father-son teamIn other newsRussia sends warning to UkrainePortrait of ferry captain emerges
  • add this feed to my.Alltop

  • Dad furious over TSA's actions with kids

    24 Apr 2014 | 5:43 am
    Dad furious over TSA's actions with kidsGettyA man was outraged when his kids, ages 2 and 6, got pat-downs, but opinions on his video are mixed. Why TSA says it was 'necessary'Take a look JetBlue pilots vote to unionize Simple way to protect phones
  • Yankees pitcher caught cheating

    24 Apr 2014 | 5:43 am
    Yankees pitcher caught cheatingAPNew York's Michael Pineda was ejected when the Red Sox spotted him violating MLB rules.What umpires found on his neckWide world of sportsCowboys eyeing QB in draft?Seahawks QB, wife file for divorce
  • Would-be kidnappers get the wrong guy

    24 Apr 2014 | 5:43 am
    Would-be kidnappers get the wrong guyA jailed gang leader hired the men to snatch the prosecutor who sent him to prison, but then the 'kidnappers' looked up the wrong address online.Who they took insteadMore news storiesJudge's words for murdererVicious nursing home attack
  • Cleared of murder, Jonathan starts fresh

    24 Apr 2014 | 5:43 am
    Cleared of murder, Jonathan starts freshAssociated PressAfter 24 years, Jonathan Fleming walked out of prison a free man, with a lot of catching up to do.Met his son for the very first timeIn other newsNFL releases 2014 schedule'High end' cough syrup pulled
  • Three American doctors killed in Afghan hospital

    24 Apr 2014 | 5:43 am
    Three American doctors killed in Afghan hospitalASSOCIATED PRESS An Afghan security guard opened fire on a group of American doctors at a Kabul hospital, killing three and wounding a nurse.Two killed were a father-son teamIn other newsRussia sends warning to UkrainePortrait of ferry captain emerges
 
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  • Dad furious over TSA's actions with kids

    24 Apr 2014 | 5:43 am
    Dad furious over TSA's actions with kidsGettyA man was outraged when his kids, ages 2 and 6, got pat-downs, but opinions on his video are mixed. Why TSA says it was 'necessary'Take a look JetBlue pilots vote to unionize Simple way to protect phones
  • Yankees pitcher caught cheating

    24 Apr 2014 | 5:43 am
    Yankees pitcher caught cheatingAPNew York's Michael Pineda was ejected when the Red Sox spotted him violating MLB rules.What umpires found on his neckWide world of sportsCowboys eyeing QB in draft?Seahawks QB, wife file for divorce
  • Would-be kidnappers get the wrong guy

    24 Apr 2014 | 5:43 am
    Would-be kidnappers get the wrong guyA jailed gang leader hired the men to snatch the prosecutor who sent him to prison, but then the 'kidnappers' looked up the wrong address online.Who they took insteadMore news storiesJudge's words for murdererVicious nursing home attack
  • Cleared of murder, Jonathan starts fresh

    24 Apr 2014 | 5:43 am
    Cleared of murder, Jonathan starts freshAssociated PressAfter 24 years, Jonathan Fleming walked out of prison a free man, with a lot of catching up to do.Met his son for the very first timeIn other newsNFL releases 2014 schedule'High end' cough syrup pulled
  • Three American doctors killed in Afghan hospital

    24 Apr 2014 | 5:43 am
    Three American doctors killed in Afghan hospitalASSOCIATED PRESS An Afghan security guard opened fire on a group of American doctors at a Kabul hospital, killing three and wounding a nurse.Two killed were a father-son teamIn other newsRussia sends warning to UkrainePortrait of ferry captain emerges
  • add this feed to my.Alltop

  • Dad furious over TSA's actions with kids

    24 Apr 2014 | 5:43 am
    Dad furious over TSA's actions with kidsGettyA man was outraged when his kids, ages 2 and 6, got pat-downs, but opinions on his video are mixed. Why TSA says it was 'necessary'Take a look JetBlue pilots vote to unionize Simple way to protect phones
  • Yankees pitcher caught cheating

    24 Apr 2014 | 5:43 am
    Yankees pitcher caught cheatingAPNew York's Michael Pineda was ejected when the Red Sox spotted him violating MLB rules.What umpires found on his neckWide world of sportsCowboys eyeing QB in draft?Seahawks QB, wife file for divorce
  • Would-be kidnappers get the wrong guy

    24 Apr 2014 | 5:43 am
    Would-be kidnappers get the wrong guyA jailed gang leader hired the men to snatch the prosecutor who sent him to prison, but then the 'kidnappers' looked up the wrong address online.Who they took insteadMore news storiesJudge's words for murdererVicious nursing home attack
  • Cleared of murder, Jonathan starts fresh

    24 Apr 2014 | 5:43 am
    Cleared of murder, Jonathan starts freshAssociated PressAfter 24 years, Jonathan Fleming walked out of prison a free man, with a lot of catching up to do.Met his son for the very first timeIn other newsNFL releases 2014 schedule'High end' cough syrup pulled
  • Three American doctors killed in Afghan hospital

    24 Apr 2014 | 5:43 am
    Three American doctors killed in Afghan hospitalASSOCIATED PRESS An Afghan security guard opened fire on a group of American doctors at a Kabul hospital, killing three and wounding a nurse.Two killed were a father-son teamIn other newsRussia sends warning to UkrainePortrait of ferry captain emerges
  • add this feed to my.Alltop

  • Dad furious over TSA's actions with kids

    24 Apr 2014 | 5:43 am
    Dad furious over TSA's actions with kidsGettyA man was outraged when his kids, ages 2 and 6, got pat-downs, but opinions on his video are mixed. Why TSA says it was 'necessary'Take a look JetBlue pilots vote to unionize Simple way to protect phones
  • Yankees pitcher caught cheating

    24 Apr 2014 | 5:43 am
    Yankees pitcher caught cheatingAPNew York's Michael Pineda was ejected when the Red Sox spotted him violating MLB rules.What umpires found on his neckWide world of sportsCowboys eyeing QB in draft?Seahawks QB, wife file for divorce
  • Would-be kidnappers get the wrong guy

    24 Apr 2014 | 5:43 am
    Would-be kidnappers get the wrong guyA jailed gang leader hired the men to snatch the prosecutor who sent him to prison, but then the 'kidnappers' looked up the wrong address online.Who they took insteadMore news storiesJudge's words for murdererVicious nursing home attack
  • Cleared of murder, Jonathan starts fresh

    24 Apr 2014 | 5:43 am
    Cleared of murder, Jonathan starts freshAssociated PressAfter 24 years, Jonathan Fleming walked out of prison a free man, with a lot of catching up to do.Met his son for the very first timeIn other newsNFL releases 2014 schedule'High end' cough syrup pulled
  • Three American doctors killed in Afghan hospital

    24 Apr 2014 | 5:43 am
    Three American doctors killed in Afghan hospitalASSOCIATED PRESS An Afghan security guard opened fire on a group of American doctors at a Kabul hospital, killing three and wounding a nurse.Two killed were a father-son teamIn other newsRussia sends warning to UkrainePortrait of ferry captain emerges
 
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    www.Artemis.bm The Alternative Risk Transfer, Catastrophe Bond, Insurance-Linked Securities and Weather Risk Management Blog

  • Kilimanjaro Re cat bond prices at lowest end of reduced guidance

    Artemis
    24 Apr 2014 | 1:43 am
    Reinsurance firm Everest Re’s first catastrophe bond issue, the now $450m after upsizing Kilimanjaro Re Ltd. (Series 2014-1), has priced at the lowest end of a reduced price guidance range, Artemis understands. Everest Re must be delighted with the success of its first trip to the catastrophe bond market as a sponsor. Its Kilimanjaro Re cat bond grew in size by 80% while marketing from the $250m it launched at to offer $450m of notes through its two tranches. At the same time as the upsizing the price guidance range was reduced to below the launch range. The Kilimanjaro Re cat bond will…
  • Alternative capacity increasingly part of Everest Re’s strategy: Addesso

    Artemis
    24 Apr 2014 | 12:41 am
    Bermudian reinsurance group Everest Re is increasingly using alternative reinsurance capital as part of its strategy as the firm seeks ways to optimise its returns, according to President and CEO Dominic Addesso. After a strong first-quarter, reported yesterday, which saw Everest Re beat expectations reporting after-tax income of $281m, equating to a 17% return on equity and a combined ratio of 80%, Addesso highlighted the firms use of alternative reinsurance capital on both sides of its business. Addesso commented on the reinsurers first-quarter results; “Everest had another excellent…
  • Heritage’s Citrus Re 2014-2 cat bond prices at low end

    Artemis
    23 Apr 2014 | 11:29 pm
    The second catastrophe bond sponsored by Florida Citizens takeout insurer Heritage Property and Casualty Insurance, Citrus Re Ltd. (Series 2014-2), has been priced at the low-end of guidance as the insurer maximised its use of the ILS market in 2014. Heritage’s first cat bond, the Citrus Re Ltd. (Series 2014-1) issuance, completed and listed on the Bermuda Stock Exchange just this week, having upsized to $150m and then priced at the low-end of a reduced coupon range. Just before that deal closed the insurer launched a second takedown from the Citrus Re program, seeking to add another…
  • American Coastal returns with Armor Re 2014 catastrophe bond

    Artemis
    23 Apr 2014 | 9:36 am
    Primary, Florida-focused, insurer American Coastal Insurance Company is returning to the catastrophe bond market with a second take-down of the Armor Re program with the launch of an Armor Re Ltd. (Series 2014-1) cat bond issuance. Sources told Artemis that the deal has launched to the market today and that with the Armor Re 2014-1 catastrophe bond issue American Coastal Insurance is seeking to expand its coverage for Florida named storms, but with an option to extend the protection to other U.S. states at reset if it should choose to. The Armor Re 2014-1 cat bond has launched offering…
  • Randall & Quilter still working on exit solutions for ILS investors

    Artemis
    23 Apr 2014 | 8:29 am
    Specialist non-life insurance investor, service provider and underwriting manager, Randall & Quilter Investment Holdings continues to develop solutions to provide insurance linked investors with exit strategies in the event of a claim. Randall & Quilter first revealed the existence of this product development in its 2012 results, when it said that it was exploring an opportunity to enter the insurance linked securities market with a product designed to provide ILS investors with a way to access liquidity for investments hit by claims. One of the issues for investors in the ILS space…
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    healthinsurance.org » News

  • Final Access Health CT enrollment: 208,301

    Carla Anderson
    22 Apr 2014 | 10:08 am
    The final enrollment figures for Access Health CT show that 78,713 people enrolled in private health plans, and nearly 13,000 qualified for Medicaid. In total, 208,301 signed up for health insurance through Access Health CT between October 2013 and April 14, 2014. Seventy-three percent of Connecticut residents selecting a private health plan qualified for financial assistance, compared to 83 percent nationally according to the March enrollment report issued by the U.S. Department of Health and Human Services (HHS). Twenty-two percent of enrollees were between the ages of 18 and 34. Signups…
  • Few small businesses shopping on Access Health CT

    Editors
    21 Apr 2014 | 2:38 pm
    The CT Mirror — While Connecticut’s health insurance marketplace enrolled more than 208,000 people, just 330 of them came through the Small Business Options Program, or SHOP. Many small businesses renewed their health plans to avoid dealing with the marketplace during its first open enrollment period. Another factor, said representative for a small business group, was uncompetitive rates for SHOP plans.
  • Enrollment slowly growing in Kansas

    Carla Anderson
    21 Apr 2014 | 12:30 pm
    The open enrollment period to purchase health insurance for 2014 through the marketplace has ended. People who get married or divorced, change jobs, have a child or experience another qualifying event may be eligible for a special enrollment period. Enrollment for Medicaid and the Children’s Health Insurance Program (CHIP) continues throughout the year. You may be able to buy private insurance outside the marketplace. Individuals who don’t have health insurance that provides “minimum essential coverage” may have to pay a penalty: $95 or one percent of income, whichever is greater.
  • Legal scrutiny of Arizona Medicaid expansion continues

    Editors
    21 Apr 2014 | 12:29 pm
    Associated Press — A three-judge panel for the Arizona Court of Appeals is deciding whether to review a lower court decision that cleared the way for expansion of the state’s Medicaid program.
  • Arizonans show continued preference for gold, platinum plans

    Carla Anderson
    21 Apr 2014 | 11:50 am
    The open enrollment period to purchase health insurance for 2014 through the marketplace has ended. People who get married or divorced, change jobs, have a child or experience another qualifying event may be eligible for a special enrollment period. Enrollment for Medicaid and the Children’s Health Insurance Program (CHIP) continues throughout the year. You may be able to buy private insurance outside the marketplace. Individuals who don’t have health insurance that provides “minimum essential coverage” may have to pay a penalty: $95 or one percent of income, whichever is greater.
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    GCCapitalIdeas.com

  • Capital Stewardship Options

    GC Editor
    23 Apr 2014 | 10:00 pm
    Here we bring together recent GC Capital Ideas stories that have presented options that good capital stewards in the reinsurance industry are currently considering for deployment of excess... Continue reading...
  • Periodic Payment Orders

    GC Editor
    22 Apr 2014 | 10:00 pm
    Here we bring together the GC Capital Ideas two part series on periodic payment orders authored by Victoria Jenkins:  Time Off for Certain Behavior, Part I: Behavioral economics is a fascinating... Continue reading...
  • GC Capital Ideas Review of Terrorism’s Impact on Insurance and Technology

    GC Editor
    21 Apr 2014 | 10:00 pm
    Here we review some recent GC Capital Ideas stories related to the issue of terrorism, addressing the impact on both the insurance industry and technology: Chart: Countries Operating Compulsory or... Continue reading...
  • GC Capital Tip: Tagging

    GC Editor
    20 Apr 2014 | 10:30 pm
    Every article on GC Capital Ideas is “tagged.” Tags are nothing more than keywords used to label a particular article. Since few stories deal with only one topic, tags give you several... Continue reading...
  • GC Capital Tip: Talk to the Author

    GC Editor
    20 Apr 2014 | 10:00 pm
    Do you have a question about one of our articles? If so, contact us. Longer articles on GC Capital Ideas have a “contact” link right at the top. Clicking it will open your e-mail program... Continue reading...
 
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    InsureBlog

  • Meanwhile, on This Side of the Pond . . .

    24 Apr 2014 | 4:31 am
    Henry likes to write about the MVNHS (Most Vaunted National Health Service). Mike brings us tales about health care  in the Sceptered Isle.  As it turns out, they don't have to travel that far to find stories about government run health care.At least 40 U.S. veterans died waiting for appointments at the Phoenix Veterans Affairs Health Care system, many of whom were placed on a secret waiting list.The secret list was part of an elaborate scheme designed by Veterans Affairs managers in Phoenix who were trying to hide that 1,400 to 1,600 sick veterans were forced to wait months to see…
  • Alphabet Soup News

    23 Apr 2014 | 8:21 am
    From our friends at FlexBank:■ "The IRS announced [last October] the ability to permit employees to carryover up to $500 of an unused health FSA balance. IRS Notice 2013-71 now offers an employer the option to amend their Section 125 plan to allow up to $500 of unused funds remaining at the end of a plan year to be carried forward into the following plan year."This is significant because these plans have traditionally been "use it or lost it," and now participants may have the opportunity to roll-over unused dollars. "The IRS released a memorandum on March 28, 2014 that confirms that…
  • Look out below! [UPDATED]

    22 Apr 2014 | 10:07 am
    Such a success:"[A]n intriguing analysis of Covered California’s state-run exchange found that up to half the 1.2 million new enrollees might actually drop their coverage."To be fair, some of these folks will find new jobs with employer-sponsored insurance plans. On the other hand, a lot will find themselves now eligible for (taxpayer funded) Medicaid coverage. And some will take a look at their high premium, high expense, low benefit plan and decide to chuck it.Sounds like a plan.UPDATED: Perchance there's an even simpler explanation:"California Obamacare customers are expressing outrage…
  • Dying of Thirst (Literally)

    22 Apr 2014 | 6:12 am
    One of the major problems of the ObamaTax is that it does not, in fact, save health care dollars. This problem plagues similar regimes as well, most notably the Much Vaunted National Health System©.Never fear, though, the MVNHS© has a solution:"At least 1,000 hospital patients are dying needlessly each month from dehydration and poor care by doctors and nurses."A perfectly sensible way to deal with runaway health care costs, don't you agree?Original content copyright © InsureBlog
  • Bounty Hunter

    21 Apr 2014 | 3:23 pm
    What happens when you can't get enough people to follow the "law of the land" and purchase health insurance they don't want and can't afford unless the government robs the rich to pay the poor?If you can't threaten, coax, cajole or force them to buy, you pay a bounty hunter.At least 79 tax service providers, including offices of major companies like Liberty Tax Service and Jackson Hewitt Tax Service, are listed as certified Obamacare enrollment entities in the state of California, according to state exchange records.California’s Obamacare exchange, Covered California, pays…
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    Workers Comp Insider

  • Where's Aristotle When ABC Needs Him?

    Tom Lynch
    18 Apr 2014 | 8:07 am
    This morning, ABC's Good Morning America shone its media arclight on Cathy Caswell as she spun the great big wheel on The Price is Right, not once, but twice. But while doing so Ms. Caswell was drawing $3000 per month in workers comp indemnity payments, according to ABC. And she was collecting those payments because of a shoulder injury, which...
  • Fresh Health Wonk Review posted at Healthcare Lighthouse

    Julie Ferguson
    11 Apr 2014 | 6:05 am
    Check out the freshly posted Health Wonk Review - The April Fools' Edition at Healthcare Lighthouse. Think we're a little late on the date? Nope. Host Billy Wynne says the spirit of April Fools' lives on as the blogosphere's smartest health wonks gather to correct foolish notions and misconceptions floating around in certain pockets of our national dialogue. Billy has...
  • Zohydro ER Vs. Deval Patrick: The Latest Gunfight at the OK Corral

    Tom Lynch
    9 Apr 2014 | 1:25 pm
    The U.S. Food and Drug Administration (FDA) has acknowledged that prescription drug overdoses are now the leading cause of injury-related death in America, surpassing auto accidents. Couple that with the Agency's approval last October of Zohydro ER, the first pure opiate painkiller, and you begin to understand why many lawmakers are left scratching their heads. More than half the states'...
  • Wearable technologies: the next frontier in workplace safety

    Julie Ferguson
    9 Apr 2014 | 5:45 am
    The use of health monitors and fitness trackers have exploded in recent years -- but expect the next frontier in wearable technologies to be in the workplace. The implications for worker safety and productivity are promising. While Google first introduced its revolutionary Glass to consumers, the current marketing direction is aimed at custom work applications. One example of this is...
  • Bi-weekly Risk Roundup

    Julie Ferguson
    3 Apr 2014 | 6:09 am
    Nancy Germond hosts a new edition of Cavalcade of Risk #205 at her blog. Check it out. You can also follow Nancy at Twitter: @insurancewriter...
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    Managed Care Matters

  • Reviewing California’s draft opioid guidelines

    Joe Paduda
    21 Apr 2014 | 7:37 am
    California released their new opioid guidelines; not to put too fine a point on it but they are underwhelming.  That’s my layman’s perspective. A good friend and colleague, who also happens to be the Medical Director of a worker’s compensation insurer, provided a professional’s perspective which is below. I’ve taken the liberty of moving what I believe is a key takeaway to the top: “This DWC Guideline is a review of eight existing guidelines—it is not a de novo review of primary sources. The DWC has posted for comment its guideline [link added] for…
  • Friday’s what-I-missed-this-week post

    Joe Paduda
    18 Apr 2014 | 4:06 am
    Another quick week is done, altho after the two inches of snow Tuesday I’m not sure that’s a bad thing.  So here’s what happened while we were digging out. There’s a bunch of news re ACA enrollment and the impact thereof; I’ve picked out the key parts (as I see them) for your edification. The latest projections on PPACA enrollment are out, and the Administration is touting a higher-than-even-originally-projected 8 million insureds. Notably, this does NOT mean all are newly insured, and does not exclude those who have not paid their premiums as of yet (for the…
  • NoDak state fund – be VERY careful what you ask for…

    Joe Paduda
    17 Apr 2014 | 4:37 am
    WSI, the North Dakota state work comp fund, is suing AON for an alleged failure to deliver a new claims system. AON’s response included the statement “We look forward to telling our side of the story in court.”  This may seem innocuous at first read, but it isn’t; far from it.  WSI’s leaders are heading down what will likely be a very dangerous path. The legal process will undoubtedly include substantial discovery efforts on the part of AON, efforts that will show WSI’s current senior management (with a couple exceptions) is in way over its head.  System…
  • The work comp service market’s response to consolidation

    Joe Paduda
    16 Apr 2014 | 4:55 am
    With OneCall getting ever larger, KKR buying TPAs and tech companies, EXAM Works’ consolidation of the IME business all but complete, and the private equity world’s seemingly insatiable appetite for work comp services assets, the continued consolidation of the work comp services business seems to be inevitable. Perhaps.  But there’s another side to this big-getting-bigger story; there is a new crop of innovators beginning to emerge, one led by “cast off” execs from the “consolidated”, former business owners whose non-competes have expired, and…
  • Drugs and work comp – top issues are…

    Joe Paduda
    14 Apr 2014 | 5:52 am
    Opioids, ACOEM’s new guidelines, compounds, and, alas, physician dispensing. Here’s a quick guide to the top issues and sources for additional info. Opioids continue to plague the industry; while many PBMs and payers are having some success in reducing the use of opioids in new claims, there’s still a huge group of legacy claimants that have been on far too many pills for far too long.  Sandy Blunt and I conducted a survey on the opioid issue last fall (thanks to CID for sponsoring and the 400 participants for their insights) – The Survey of Opioid Management in…
 
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    Insurance Industry Blog

  • For Sale: Titanic Insurance Claim

    Claire
    22 Apr 2014 | 9:12 am
    We’re visiting the United Kingdom this week, so it’s appropriate we bring you a British themed news item. An unpublished and original insurance claim for the loss of the Titanic will come under the hammer this Saturday at Aldridge’s auction house in Devizes, Wiltshire. The document is expected to fetch more than £12,000 ($20,185). It’s more than 100 years since the RMS Titanic, a luxury British passenger liner, sank in the North Atlantic ocean on April 15, 1912 after colliding with an iceberg during her maiden voyage from Southampton, UK to New York City. She carried 2,224…
  • Survey: Lawsuits Steady, But Financial Impact Rises

    Claire
    17 Apr 2014 | 5:00 am
    While the number of lawsuits filed against U.S. companies in the past year was stable, the financial impact of the litigation they face continues to increase, according to Norton Rose Fulbright’s Annual Litigation Trends Survey. More than one-third (34 percent) of all companies faced at least one lawsuit with more than $20 million at issue in 2013, up from just 23 percent in 2011, continuing a trend in recent years that’s left fewer respondents untouched by high-value cases. Energy companies are much more likely to have one or more large lawsuits pending against them compared to other…
  • RAND: TRIA Saves Taxpayers Money

    Claire
    15 Apr 2014 | 5:26 am
    Allowing the terrorism risk insurance program to expire could increase federal spending by billions of dollars in the event of a future terrorist attack, according to a new study by RAND Corporation. RAND reports that for terrorist attacks with losses up to about $50 billion, not having the Terrorism Risk Insurance Act (TRIA) in place would result in higher federal spending. For terrorist attacks with losses ranging from $14 billion to $26 billion, RAND predicts the federal government would spend $1.5 billion to $7 billion more without TRIA than with the program in place. The greater federal…
  • Aon: Rising Political Risks in Emerging Markets

    Claire
    11 Apr 2014 | 6:16 am
    The number of countries with downgraded political risk ratings grew in the last year, as all five emerging market BRICS countries (Brazil, Russia, India, China, South Africa) saw their risk rating increase, according to Aon’s 2014 Political Risk Map. As a result, countries representing a large share of global output experienced a broad-based increase in political risk including political violence, government interference and sovereign non-payment risk, Aon said. The 2014 map shows that 16 countries were downgraded in 2014 compared to 12 in 2013. Only six countries experienced upgrades…
  • Latest Hurricane Forecasts Sound Warning for U.S. East Coast

    Claire
    9 Apr 2014 | 4:58 am
    Hurricane forecasters are sounding a warning bell for the U.S. East coast in their latest predictions for the 2014 hurricane season, even as overall tropical storm activity is predicted to be much-less than normal. WeatherBell Analytics says the very warm water off of the Eastern Seaboard is a concern, along with the oncoming El Niño conditions. In its latest commentary forecaster Joe Bastardi and the WeatherBell team notes: We think this is a challenging year, one that has a greater threat of higher intensity storms closer to the coast, and, where like 2012, warnings will frequently be…
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    Dental Insurance Trends

  • How to Choose the Right Mouthguard to Protect Kids’ Teeth

    dentalinsurance.org
    21 Apr 2014 | 7:02 am
    By Jenifer Dorsey Sports accidents account for 10 to 39 percent of all dental injuries in children and are most often caused by direct hits with a hard object, such as a puck or ball and player-to-player contact, according to the American Academy of Pediatric Dentistry’s Policy on Prevention of Sports-Related Orofacial Injuries.[1] As we observe National Facial Protection Month this April, we would like to talk a bit about why to wear a mouthguard, what types are available, and how to choose the right one. Wearing a mouthguard during contact (baseball, soccer, football, rugby, etc.) and…
  • ADA Updates Fluoride Recommendation

    dentalinsurance.org
    15 Apr 2014 | 7:36 am
    By Jenifer Dorsey The American Dental Association’s Council on Scientific Affairs (CSA) earlier this year updated its guidance on fluoride toothpaste use in young children. To fight childhood cavities, caregivers should now begin brushing children’s teeth with fluoride toothpaste as soon as the first tooth comes in.[1] The CSA recommends using a smear of fluoride toothpaste—an amount about the size of a grain of rice—for children younger than 3 years old and a pea-size amount for children 3 to 6 years old. Previously, the CSA recommended brushing the teeth of children younger than 2…
  • Does Mouthwash Cause Oral Cancer?

    dentalinsurance.org
    11 Apr 2014 | 7:37 am
    By Jenifer Dorsey A new study published in Oral Oncology showed that heavy use of alcohol-containing mouthwash, along with poor oral health and dental care, may increase one’s risk of oral cancer. If you saw the headlines earlier this week, you may be questioning your rinsing habits. While you may or may not consider switching to an alcohol-free rinse, it is important to note that the study does not point to using mouthwash with alcohol as an independent risk factor nor does it definitively show an association. Researchers concluded, “whether mouthwash use may entail some risk through the…
  • National Facial Protection Month: Be Proactive with Active Kids

    dentalinsurance.org
    9 Apr 2014 | 10:27 am
    By Jenifer Dorsey Spring’s arrival often means increased activity, especially for youth. As temperatures warm and days grow longer, kids pull out their skateboards and bicycles and engage in pick-up and organized sports such as soccer, baseball and softball. To encourage sports safety and increase awareness about oral and facial injury protection, April is National Facial Protection Month. National Facial Protection Month is sponsored by the Academy for Sports Dentistry, American Academy of Pediatric Dentistry, American Association of Oral and Maxillofacial Surgeons, American Association of…
  • What are dental specialists?

    dentalinsurance.org
    4 Apr 2014 | 8:54 am
    Following dental school, dentists may receive post-graduate education in specialized areas beyond general dentistry. The American Dental Association recognizes nine dental specialties. They are as follows[1]: 1.    Dental Public Health – As defined by the ADA, dental public health focuses on “preventing and controlling diseases and promoting dental health through organized community efforts”; it is the community that is their patient, not an individual 2.    Endodontics – Concerned with the study and treatment of dental pulp; to help save people’s teeth, endodontists perform…
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    Go Health Insurance Blog

  • I Missed the Obamacare Deadline, Now What?

    GoHealth
    15 Apr 2014 | 10:39 am
    Health insurance enrollments surged over the past few months as millions of Americans sought affordable coverage before the end of the first open enrollment under the Affordable Care Act. Now, virtually all Americans are required by law to have enrolled in a major medical health insurance plan. If you’re just realizing this now, don’t panic. You can still obtain health coverage, but there are a few caveats. Short-Term Solution Fortunately, there are short-term health insurance plans available to tide you over until the next open enrollment period in November. Unlike major medical…
  • Avoiding Tax Surprises: Affordable Care Act and Your Tax Refunds

    GoHealth
    15 Apr 2014 | 8:36 am
    As you scramble to finish filing your taxes or plan ways to spend your refund, our team at GoHealth wants to give you a heads up on how to avoid unpleasant tax surprises next year. The Affordable Care Act, also known as the health care reform law, has tax implications that could cause unaware Americans to unexpectedly owe the government money or to see smaller tax refunds than expected. How Could This Happen? If you signed up for Obamacare, you might have qualified for tax credits that you can use to lower your health insurance costs. The tax credit can be used throughout the year and it is…
  • GoHealth Not Vulnerable to HeartBleed Bug

    GoHealth
    10 Apr 2014 | 4:27 pm
    You may have heard about a recent security flaw, known as Heartbleed. It’s a global concern right now that has some people worried that information they’ve shared online will get into the wrong hands. Heartbleed is a bug in a widely-used security system called OpenSSL which protects sensitive information on the Internet like passwords or banking information. Because of the defect, hackers can potentially steal sensitive information from websites that utilized the buggy version of OpenSSL. Fortunately, GoHealthInsurance.com and its technology has NOT been affected by Heartbleed.
  • Complicated Cases That May Allow You To Buy Obamacare Outside Open Enrollment

    GoHealth
    7 Apr 2014 | 10:30 am
    Outside of open enrollment, you can only purchase Obamacare if you qualify for a special enrollment period (SEP). Most SEPs are granted for qualifying life events such as getting married, having a baby, or moving to a new state. However, there are also some complex cases that may also give you the opportunity to buy a major medical health plan (Obamacare) outside of open enrollment. Check out the list below to see if you may qualify. Complicated Cases Exceptional circumstances Ex. You faced a serious medical condition that prevented you for enrolling Misinformation or misrepresentation Ex.
  • Enroll in Medicaid or CHIP at Any Time

    GoHealth
    1 Apr 2014 | 4:41 pm
    Last-minute insurance seekers rushed to buy Obamacare ahead of the nationwide open enrollment deadline, but not every American is tied to that deadline.  People who qualify for social health care programs like Medicaid or the Children’s Health Insurance Program (CHIP) can enroll any time of the year. THE LOWDOWN ON MEDICAID Individuals and families may qualify for free or low-cost health insurance coverage through Medicaid. This coverage is designed for some Americans with low-incomes, pregnant women, the elderly, and people with disabilities. Eligibility depends on income, family size and…
 
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    Methodology

  • Update: Latest enhancements to AgentMethod and answers to some FAQs

    ivankowski
    14 Apr 2014 | 10:05 am
    We haven’t stopped making the AgentMethods platform better than ever. Take a look at the new enhancements and features we just added, with much more to come.  Plus, we answer some of the most frequently asked questions about building a website using our platform in the video.
  • Sneak Peek 2 – Customizing Your Site’s Navigation

    akassover
    20 Aug 2013 | 4:37 am
    The New AgentMethods gives you more flexibility than ever to market your business the way you want to. Here’s a quick demo of just one way you can customize your insurance website. If you’d like to be one of the first agents to get access, drop us an email at support@agentmethods.com Over the next few weeks, we’ll continue to reveal more about the new AgentMethods. Stay tuned.
  • Sneak Peek 1 – New Form Builder

    akassover
    15 Aug 2013 | 4:36 am
    Here’s a short preview of just one of the many new features built into the new AgentMethods Insurance Website platform. If you’d like to be one of the first agents to get access, drop us an email at support@agentmethods.com Over the next few weeks, we’ll be revealing more about the new AgentMethods. Stay tuned.  
  • Coming Soon: Your New Insurance Website

    akassover
    13 Aug 2013 | 4:34 am
    In the past four years, thousands of insurance agents have launched insurance websites on the AgentMethods platform. During that time, a lot has changed. Today, for many consumers the Internet is their first stop when thinking about insurance. And, increasingly, they do their research on the go — using a smart phone, tablet, or other mobile device. There are more demands on your website today than ever before. To help you meet the needs of your customers, we’ve gone back to the drawing board and completely reworked the AgentMethods website platform from the ground up. The result…
  • New Feature: Easily Share Pages to Twitter and Facebook

    akassover
    23 Jan 2012 | 1:46 pm
    We’ve recently added an enhancement to the AgentMethods insurance website platform to make promoting your website on social networks even easier. You can now promote any page on your site to Facebook and Twitter with a single click. Watch a quick overview of the new enhancement: Give it a try! Log in to your AgentMethods account now to give it a try! We hope you find this useful!  
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    Irish Life Blog

  • Market Review – 2014 Week16

    David Haslam
    22 Apr 2014 | 6:46 am
      “Anyone who has never made a mistake has never tried anything new – Albert Einstein   The CSO published the government finances for 2013 and the figures show that the General Government Deficit continues to fall standing at 7.2% in 2013, an improvement on the 2012 position of €13.44bn (8.2% of GDP).   The number of jobless in the UK dipped by 77,000 to a five-year low of 2.24m in the three months to February 2014.   Italy’s government approved the country’s first sweeping income tax cuts in more than a decade, in an attempt to boost its economy, giving…
  • Market Review – 2014 Week15

    David Haslam
    15 Apr 2014 | 12:42 am
      “Enjoy the little things, for one day you may look back and realise they were the big things – Robert Brault   The Economic and Social Research Institute (ESRI) expects economic growth in Ireland to remain strong in 2014 and 2015, with GNP (gross national product) of over 3.5% forecast in both years. However, the institute warned that if measures to increase housing supply in Dublin are not implemented, the current housing shortfall could undermine recovery as higher house prices and rents make it more expensive for people to live and work in the economy.   Greece has…
  • European Movement Ireland Seminar Dublin April 11 2014

    Irish Life
    11 Apr 2014 | 4:02 am
    Pictured (l-r) are Leo Varadkar, TD, Minister for Transport, Tourism and Sport, Catherine Day, Secretary General, European Commission, Maurice Pratt, Chairperson, European Movement Ireland and Paul Mahon, President and CEO, Great-West Lifeco Paul Mahon, President and CEO, Great-West Lifeco Inc., was a keynote speaker at a seminar hosted by European Movement Ireland as part of its 60th anniversary celebrations, on the EU’s trade relations with North America. The seminar, held April 11, 2014 in Dublin, focused on the importance of bilateral free trade agreements currently under negotiation…
  • Market Review – 2014 Week14

    David Haslam
    7 Apr 2014 | 7:01 am
      “Never be afraid to sit a while and think – Lorraine Hansberry   The Bord Gáis Energy Index rose 1% in March as a 6% month-on-month rise in Irish wholesale electricity prices was offset by falling oil (down 1% month-on-month) and wholesale UK gas prices (down 5% month-on-month). The index is up 41% since the start of 2010.   The Central Bank expects GDP (gross domestic product) to grow by 2% this year, powered by employment growth, investment by companies and improving economic growth overseas.   The average asking price for properties outside of Dublin has risen…
  • Market Review – 2014 Week13

    David Haslam
    31 Mar 2014 | 9:01 am
      “I think of life as a good book. The further you get into it. The more it begins to make sense - Harold Kushner   The number of new Irish start-ups is reported to have risen by an average of 127 per day in Q1 2014.   In the year to February, residential property prices at a national level, increased by 8.1%. Compared to an increase of 6.3% in January and a decrease of 2.6% recorded in the twelve months to February 2013. In Dublin residential property prices fell by 0.6% in February and were 13.3% higher than a year ago.   Irish home mortgage approvals in February 2014…
 
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    Insurance

  • Join me at the NetDiligence Cyber Risk & Privacy Liability Forum June 11-13, 2014.

    Scott Godes
    17 Apr 2014 | 8:19 am
    Looking to attend a great conference where you can learn about cyber risks, cyberinsurance, data breaches, data privacy, cyberattacks, and more? Then you should join me for the NetDiligence® Cyber Risk & Privacy Liability Forum.  Hosted by HB Litigation Conferences, it will take place June 11-13, 2014 at the Hyatt at the Bellevue, Philadelphia, PA. The event will be chaired by: Robert Jones, AIG Paul Miskovich, Axis Pro Jennifer Rothstein, Kroll Jim Giszczak, McDonald Hopkins Tim Stapleton, Zurich Risk Manager Liaison:  Darin Bielby, Navigant You can find a PDF of the entire…
  • Join Miller’s in Supporting The March for Babies April 27th

    Fran Shaw
    16 Apr 2014 | 1:15 pm
    Join Miller’s in Supporting The March for Babies April 27th Posted on Wed, Apr 16, 2014 March For Babies Chester County will take place in downtown West Chester on Sunday, April 27th! The walk route begins at Marshall Square Park goes down Matlack Street, turns at Chestnut Street continues around to Gay Street and the route is completed twice! Walkers will finish on Matlack Street and arrive back at Marshall Square Park to be greeted by Finish Line Cups & Souvenirs. Any walker interested in participating in the “Memory Walk” will continue to walk the perimeter of…
  • Next Stop: Safety Sites for Teen Drivers

    Fran Shaw
    16 Apr 2014 | 12:21 pm
    Next Stop: Safety Sites for Teen Drivers Posted on Wed, Apr 16, 2014 As a parent, you probably have some jitters about your teen driver. And that’s completely understandable considering the fact that teens are statistically more likely to be involved in a crash than the general population. The good news is there’s plenty you can do to keep newly minted drivers safe behind the wheel. It all starts with information — and the following sites, all created by trusted federal and national organizations, can help. (Added bonus: Many of them also include fun features like podcasts…
  • The Most Important Protection Many Families Overlook

    Fran Shaw
    9 Apr 2014 | 1:00 pm
    The Most Important Protection Many Families Overlook Posted on Wed, Apr 09, 2014 Building a family together may be life’s most rewarding endeavor. Getting married, buying a first home, and having children can all be exhilarating experiences. Each of these accomplishments brings a sense of relief along with a whole new set of responsibilities. Many times couples can become overwhelmed by these rapid life changing events. At a time when it’s most important, the last thing many couples want to think about is life insurance. Most couples realize the value of life insurance but…
  • Service Spotlight: Kevin Ralph

    Fran Shaw
    12 Mar 2014 | 5:38 am
    Service Spotlight: Kevin Ralph Posted on Wed, Mar 12, 2014 Where did you grow up? I grew up in the West Chester area. I went to Bishop Shanahan for high school and Shippensburg University for college. I chose Shippensburg because they are one of the only schools in the area that had an accredited entrepreneur program. Why did you choose the entrepreneur program? I always wanted to start my own business. The program was very tough. The class started with 40 people and only 5 of us successfully completed the program. The professor actually started three, multimillion dollar businesses. He…
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    Blog

  • 1 Year After Rana Plaza, Survivors, Families Struggle to Survive

    24 Apr 2014 | 5:30 am
    One year ago today, as the walls of the multistory Rana Plaza building collapsed around her, Moriom Begum was trapped, injured and unable to move in the dark, surrounded by the lifeless bodies of her co-workers.To donate to the workers directly, contribute to the Bangladesh Worker Rights Defense Fund. 
  • SPEEA Wins Boeing Case, Workers to Split $47 Million

    23 Apr 2014 | 12:49 pm
    Nearly 500 current and former Boeing Co. employees who worked at two Southern California plants will share in a $47 million award after an arbitrator agreed with the Society of Professional Engineering Employees in Aerospace (SPEEA)/IFPTE Local 2001 that the company wrongfully denied the workers union representation in 2001.
  • Join Teachers in Washington, D.C., this Saturday to Help Children Get Their 'First Book'

    23 Apr 2014 | 10:30 am
    Anyone in the Washington, D.C., area interested in helping children learn to love reading? If so, come down to the AFL-CIO headquarters this Saturday and volunteer for the Books on Wheels event, sponsored by First Book. The AFL-CIO and the AFT will be teaming up with First Book on Saturday, April 26, between 6 a.m. and noon, to collect, sort and distribute books to area children.
  • Northwestern Players on the Verge of History

    23 Apr 2014 | 10:00 am
    Football players at Northwestern University will make history this Friday that has nothing to do with yards gained, tackles made or touchdowns scored. They will be the first group of collegiate athletes—athletes who are the key to the $6 billion-a-year big-time college sports industry—to vote on joining a union.
  • Workers Standing Up—from Evanston, Ill., to Mount Everest—for Fairness and Safety

    23 Apr 2014 | 9:30 am
    This week is a big one for workers fighting for a voice and fair treatment on the job. Northwestern football players are voting on union representation on Friday and Sherpas who work as guides for Mount Everest thrill seekers are on strike for safer conditions and fair pay. 
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    IFAwebnews.com | P/C insurance

  • PIANY’s Long Island RAP slated for May 1

    IFAwebnews Staff
    23 Apr 2014 | 9:14 am
    Bob Nystrom, former New York Islander hockey standout, will present the keynote address at the Professional Insurance Agents of New York State Inc.’s 30th annual Long Island Regional Awareness Program. The day-long event will be held at a new location, Crest Hollow Country Club, Woodbury, on Thursday, May 1, 2014. More than 400 insurance professionals are expected to attend. “We are looking forward to hearing from ‘Mr. Long Island’—Bob Nystrom, who has been an icon in our area since his years on the ice,” said Long Island RAP committee chair Michael A. Loguercio Jr. “Nystrom’s…
  • Four insurers get subpoenas in NY Iran sanction probe

    IFAwebnews Staff
    23 Apr 2014 | 9:02 am
    Four U.S. insurance carriers have been subpoenaed by New York state’s top insurance regulator in an ongoing probe of potential sanctions violations involving Iran, according to sources quoted by national media. The subpoenas were sent to Chubb Corp, CNA Financial, Liberty Mutual and Navigators Group from the Department of Financial Services’ head Benjamin Lawsky. The subpoenas reportedly demanded information related to the companies’ dealings with Swiss-based commodities concern Glencore Xstrata and its Iranian metals trade. They were also allegedly asked to identify any instance in…
  • Workers’ comp rates drop for some Pa. employers

    IFAwebnews Staff
    23 Apr 2014 | 9:00 am
    The Pennsylvania Department of Insurance and the state’s Department of Labor & Industry announced a 5.15% workers’ compensation rate reduction effective this month. “We estimate that Pennsylvania employers will experience annual savings in workers’ compensation insurance costs of approximately $140 million,” Commissioner Michael F. Consedine said. “This is the third workers’ compensation insurance decrease since 2012 and we see this as a very positive trend. Total savings for the past three years is approximately $410 million.” Michael Consedine The rate reduction is…
  • Charges levied against 6 in NJ staged accident scheme

    IFAwebnews Staff
    23 Apr 2014 | 6:51 am
    Six Passaic County, New Jersey, residents have been charged for their alleged roles in a staged-automobile accident scheme that defrauded two insurance companies of a total of more than $78,000, announced New Jersey Acting Attorney General John J. Hoffman. Ariel Ballista, 27, of Passaic; Jonathan Damian, 26, of Passaic, Husayn Encarnacion, 35, of Paterson; his wife, Jenny Encarnacion, 33, of Paterson; and Harold Gross, 29, of Passaic, were all arrested on Wednesday, April 16, according to authorities. Olivares R. Liberato-Cohen, 45, of Passaic, was separately issued a summons. The defendants…
  • Dovetail expands to Va., Pa., other states

    IFAwebnews Staff
    23 Apr 2014 | 6:38 am
    Dovetail Insurance, a supplier of cloud-based insurance product delivery services, announced that it has expanded its NetComp workers’ compensation insurance to independent agents in Virginia, and will also be adding Pennsylvania, Indiana, Michigan and Connecticut before the end of April.   As part of its growth plan, in each of the new states, Dovetail plans to add qualified agents to distribute NetComp, workers’ compensation insurance program, and NetBOP, its business owners policy insurance program, which is currently offered in all 50 states, according to the company. Dennis…
 
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    Insure Life Surpasses Your Expectations

  • A Life Insurance Policy Review May Reveal Shocking Revelations

    5 Apr 2014 | 6:07 am
    Permanent life insurance policies are designed based on numerous policy expense and crediting rate assumptions.  These assumptions may ultimately be too aggressive or too conservative, and periodic adjustments to policy design and assumptions may be necessary to course correct.  If policy performance is better than initially assumed, then the policyowner may be able to reduce future premiums or increase coverage levels based on the revised perspective of how policy assumptions will be realized in the future.  Alternatively, the policy may require additional premiums or other…
  • Heard From Your Life Insurance Agent Lately?

    9 Mar 2014 | 9:11 am
    Unfortunately, I am no longer surprised when a policyowner calls me about their life insurance plan and they can't remember when a policy review was last conducted.  In addition, they often tell me that they are reluctant to call the agent, because they believe that the agent will just try to sell them something new.These are significant issues that plague the life insurance industry.  In addition to selling products that are suitable to the policyowner, I believe life insurance agents have a professional and ethical responsibility to service the policy for the long term. …
  • Tax Season Is Here…Time to Review Your Life Insurance!

    2 Feb 2014 | 10:33 am
    It’s that time of the year again – tax season!  Although individual tax returns are due on April 15th, filing your tax return is not the only financial planning consideration that should be conducted.  Now is the perfect time to ensure other important financial planning areas are adequately addressed.  These areas include creating, reviewing, or updating important documents and financial vehicles such as:WillsDurable Power of AttorneysHealth Care DirectivesInsurance (Life, Disability, Long Term Care, Etc.)TrustsBudgetsNet Worth StatementsAll of these items are important…
  • The Gift of Life

    22 Dec 2013 | 8:42 am
    During this holiday season, many families exchange gifts.  One of the best gifts that can be given to a family is the security that life insurance provides.  Knowing that love ones will be taken care of can provide comfort and peace of mind.Statistics show that many families are underinsured or have no life insurance coverage at all.  If you have family members that depend on you, then this holiday season, please consider giving the “Gift of Life” to your family by purchasing life insurance coverage to provide a financial safety net.  If you have already secured life…
  • Five Common Life Insurance Plan Failures

    10 Nov 2013 | 3:35 pm
    Life insurance can be a powerful financial and risk management planning tool when appropriately designed and managed to meet consumer’s goals.  However, far too often, the best designed life insurance plan falters and does not achieve the desired outcomes.  I hear or read about these life insurance plan failures far too frequently. Five common life insurance plan failures include:The benefits, expectations, and requirements of a life insurance plan are inadequately understood by the consumer at policy inception, resulting in the policyowner lapsing or surrendering the policy…
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    Insurance Marketing HQ

  • Social Media For Insurance Marketing 101: Know What’s Trending

    dweedon
    21 Apr 2014 | 1:00 am
    By Deirdre Weedon Staying up of popular topics is an important practice if you manage your agency’s social media presence. You want to garner attention, but you want to make sure what you’re posting fits your image. Many social media channels have trend tracking tools which make it easy to know what topics are being heavily searched and discussed. Twitter, Facebook, Instagram, Pinterest, and Google+ all have that capability. Monitoring trends on each of these social networks is a little different, but they all have one thing in common—the hashtag. Hashtagging Let’s talk about…
  • Successful Social Media Campaigns Showcase Community Service

    cchilds
    14 Apr 2014 | 1:00 am
    By Coburn Childs You have set your agency up with a Facebook page, a Twitter account, a LinkedIn profile, and other social media outlets. But how is your strategy for connecting with your followers at the local level? Now is the time to consider a partnership with a non-profit organization or participate in community service! Studies show that businesses that partner with efforts in the community are more likely to gain the support of customers. As such, the most successful social media campaigns will often be focused on emphasizing community involvement. Here are some tips on steps to take!
  • LinkedIn For Businesses: Changes To Company Pages

    hbeacham
    7 Apr 2014 | 1:00 am
    By Hannah Beacham As we have discussed before, social media marketing is always changing. On the heels of the changes Facebook made to business pages, LinkedIn has announced two new tools to help small businesses market smarter on their company pages. In the midst of the organic decline of Facebook’s business page algorithm, this is a welcome site for companies looking for information on performance and how to market their messages on the platform. The first of these significant changes for LinkedIn is their “Content Marketing Score.” In short, this offering is a form of insights…
  • A Guide To Email Signatures For Insurance Agents

    admin
    31 Mar 2014 | 1:00 am
    By Justin Brown It wasn’t long ago that the majority of business communication was done over the phone or via U.S. Mail. You remember, the days when we couldn’t text message people or had to know how to format a return address for the post office? Nowadays, however, it seems communication between company and customer, company and vendor, etc. is done mostly via email. Just like with your traditional communication methods of yesteryear, it’s a good idea to put your personal stamp on all the digital correspondence you send out; not only for brand recognition, but for consistency as well.
  • Google’s New Search Engine Results Page Layout

    sarnold
    24 Mar 2014 | 1:00 am
    By Shawna Arnold You may have already noticed a change in the way your search results are appearing on Google. For some, the change may seem subtle. For those of you who may be avid search users and/or keep up with industry trends, this change may seem more significant. The recent updates to the layout of Google’s search engine results pages (SERPs) involved the formatting of paid advertising, fonts, and overall layout. The Old Search Engine Results Pages (SERPs)   Even before Google changed their SERP layout, search users were presented with different types of results based on a…
 
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    Insurance Forum

  • Case Help

    Gooner
    24 Apr 2014 | 4:53 am
    I got a call yesterday from a gentleman who is 29 years old and has Muscular dystrophy. I know without any other details (which I don't have yet), it's impossible to give me an exact carrier, but does anyone have a good starting off place. I know I glcan get him covered on a small SIWL policy, but I'd like to have some more options in case that doesn't fit his needs. Thanks, Donnie
  • Placement Ideas

    Hastingsinsurance
    23 Apr 2014 | 11:13 pm
    I have a 59 year old male, smoker. He had a stint and pacemaker put in place in 2011. He's on coreg, effieut, and pletal, wanting an additional $20,000. Greatly appreciate any thoughts and opinions that would help with better placement!
  • Mississippi Live Transfer Leads

    John Galt
    23 Apr 2014 | 11:01 pm
    We have 4 fresh leads that were generated on 4-21-14 in Mississippi. These are overflow from a lead campaign and we did not mean to call into that state. We have: 2 leads in Newton 1 lead in Moss Point 1 lead in Gautier If you would like to purchase they are $15.00 each, back end recordings will be provided of the prospect leaving their info. If you want them please pm me.
  • 7 Pay Test Application

    gnanda
    23 Apr 2014 | 10:11 pm
    Hi all, I have a question about what portion of a WL policy the 7 pay test is applied to. Basiclally I have a WL policy with the following: 1) A base of $295,000 2) A 10 year term rider for $100,000 3) PUA of $45,000 So total death benefit is 295000 + 100000 + 45000 = 440000 My base premium is $3320 and my insurance company allows me to contribute up to 3 times my base to PUAs. So is the 7 pay test limit to determine MEC level applied to the entire $440,000 or does it only apply the base amount + term amount (395000)? As mentioned, I'm contributing $3320 to base plus $996
  • Can Insurance Force the Insured to Get the House Repaired Before the Claim is Resolved

    compiler
    23 Apr 2014 | 9:05 pm
    A house sustained water damage. The adjuster offers a lowball settlement. The adjuster told the insured to complete the repair within 180 days after the loss date; otherwise, the insured will lose the recoverable depreciation that the insurance has withheld. What can the insured do?
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    Corporate Insurance Blog

  • Join me at the NetDiligence Cyber Risk & Privacy Liability Forum June 11-13, 2014.

    Scott Godes
    17 Apr 2014 | 8:19 am
      Looking to attend a great conference where you can learn about cyber risks, cyberinsurance, data breaches, data privacy, cyberattacks, and more? Then you should join me for the NetDiligence® Cyber Risk & Privacy Liability Forum.  Hosted by HB Litigation Conferences, it will take place June 11-13, 2014 at the Hyatt at the Bellevue, Philadelphia, PA. The event will be
  • David Gura interviewed and quoted me in his story, “Lucky for Target, the company had insurance.”

    Scott Godes
    26 Feb 2014 | 6:39 pm
    David Gura put together a news story for Marketplace discussing cyberinsurance and insurance coverage for risks, liabilities, and losses related to data breaches, hacks, and exposures of credit card numbers and information. The lede is: Target reported quarterly earnings for the first time since a major data breach that has affected more than 100 million customers. Target says it cost the company $61 million.
  • Please check out: “5 Tips For Reviewing And Buying Cyberinsurance.”

    Scott Godes
    13 Feb 2014 | 8:23 am
    Law360 published an article that I wrote with tips for buying and reviewing cyberinsurance, with special tips for retailers who are considering buying or reviewing cyberinsurance policies. The article is “5 Tips for Reviewing and Buying Cyberinsurance.”  With the recent rash of cyberattacks, data breaches, and other incidents affecting retailers around the country, it is a good time to turn a
  • Rodd Zolkos and Bill Kenealy quote me in their article, “Target tested by holiday credit card data breach.”

    Scott Godes
    6 Jan 2014 | 7:15 am
    Rodd Zolkos And Bill Kenealy wrote an article for Business Insurance discussing the alleged data breach that Target Corporation suffered in late 2013, titled, “Target tested by holiday credit card data breach.” The lede is: The Target Corp. data breach that exposed 40 million shoppers’ debit and credit card account information has caused lawsuits, state and federal investigations and potential
  • 2013 in review

    Scott Godes
    30 Dec 2013 | 8:04 pm
    The WordPress.com stats helper monkeys prepared a 2013 annual report for this blog. Here’s an excerpt: The concert hall at the Sydney Opera House holds 2,700 people. This blog was viewed about 9,300 times in 2013. If it were a concert at Sydney Opera House, it would take about 3 sold-out performances for that many people to see it. Click
 
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    Car insurance - a dedicated blog

  • The Correct Way To Look For Low-priced Teenager Vehicle Insurance

    Carlo
    14 Apr 2014 | 4:08 am
    Today, teenager automobile insurance is expensive, due to the statistics involving vehicular accidents and minors behind the wheel. This is the reason why teenager car insurance policy is more expensive when compared with other insurance. Experienced drivers are rarely getting involved in vehicular accidents, a minimum of not as much as a teenager. The good news is that doesn’t all car insurance companies typecast teenage drivers as accident prone. They just have to examine the credibility in the teenager while they are applying for teenager car insurance. It is important to note that there…
  • Reasonably Priced Auto Insurance – Helpful Facts On Car Insurance

    Carlo
    11 Apr 2014 | 4:05 am
    You will find different prices on vehicle insurance coverage affected by factors such as the cost on the car, what functions it has in particular regarding safety and the driving skill of the proprietor. A lot of buyers of vehicle insurers fall prey towards the terms and conditions policy which are included in policy which is meant to extract more money in the consumer. A careful look at the quotes would provide you with an concept about insurers and their provides and as well as assist you to make the very best options. Not all ประกันภัยรถยนต์ coverage policy…
  • Cheap Home Insurance

    Carlo
    11 Apr 2014 | 1:39 am
    What is cheap home insurance? Cheap home insurance allows a customer to take advantage of home insurance at a very reasonable price. There are many ways of finding cheap home insurance, and our home insurance comparison table is one of the best ways of doing that. Every provider offers a different price for home insurance and that price will vary based on where you live, any claims you may have made in the past, and the history of claims made in your area. For example, if you live in an area where flooding is common, you may find that many providers will refuse to offer home insurance at all,…
  • Car Insurance: Are You Paying for More than You Need To?

    Carlo
    11 Apr 2014 | 1:38 am
    In this tight economy, chances are you’re watching every dollar like most other Americans. If that’s the case, you’re probably looking at every possible way you can save money. One often-overlooked way to save is by lowering your automobile insurance bill. You may not know that there are several simple, effective ways to trim your insurance policy down to just the coverage you need — and, in the process, trim your monthly car insurance bills down as well! The first thing you should do is evaluate the insurance you currently have. What exactly are you paying for now? Then, look at the…
  • The Importance Of Getting A Home Insurance Quote

    Carlo
    11 Apr 2014 | 1:36 am
    So you know that you want to get home insurance, which is going to be a very smart move on your part, but first you are going to need to get a homeowner insurance quote. The home insurance quote is very important to get, because only by getting quotes from different companies are you ever going to be able to tell which is going to offer the best deal.If you want to know something about medical insurance as well as business insurance or home insurance, you may turn to insurance brokers. Check out more on this youtube video. People often become a bit flustered when they start to realize just…
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    Insurance Marketing HQ

  • Social Media For Insurance Marketing 101: Know What’s Trending

    dweedon
    21 Apr 2014 | 1:00 am
    By Deirdre Weedon Staying up of popular topics is an important practice if you manage your agency’s social media presence. You want to garner attention, but you want to make sure what you’re posting fits your image. Many social media channels have trend tracking tools which make it easy to know what topics are being heavily searched and discussed. Twitter, Facebook, Instagram, Pinterest, and Google+ all have that capability. Monitoring trends on each of these social networks is a little different, but they all have one thing in common—the hashtag. Hashtagging Let’s talk about…
  • Successful Social Media Campaigns Showcase Community Service

    cchilds
    14 Apr 2014 | 1:00 am
    By Coburn Childs You have set your agency up with a Facebook page, a Twitter account, a LinkedIn profile, and other social media outlets. But how is your strategy for connecting with your followers at the local level? Now is the time to consider a partnership with a non-profit organization or participate in community service! Studies show that businesses that partner with efforts in the community are more likely to gain the support of customers. As such, the most successful social media campaigns will often be focused on emphasizing community involvement. Here are some tips on steps to take!
  • LinkedIn For Businesses: Changes To Company Pages

    hbeacham
    7 Apr 2014 | 1:00 am
    By Hannah Beacham As we have discussed before, social media marketing is always changing. On the heels of the changes Facebook made to business pages, LinkedIn has announced two new tools to help small businesses market smarter on their company pages. In the midst of the organic decline of Facebook’s business page algorithm, this is a welcome site for companies looking for information on performance and how to market their messages on the platform. The first of these significant changes for LinkedIn is their “Content Marketing Score.” In short, this offering is a form of insights…
  • A Guide To Email Signatures For Insurance Agents

    admin
    31 Mar 2014 | 1:00 am
    By Justin Brown It wasn’t long ago that the majority of business communication was done over the phone or via U.S. Mail. You remember, the days when we couldn’t text message people or had to know how to format a return address for the post office? Nowadays, however, it seems communication between company and customer, company and vendor, etc. is done mostly via email. Just like with your traditional communication methods of yesteryear, it’s a good idea to put your personal stamp on all the digital correspondence you send out; not only for brand recognition, but for consistency as well.
  • Google’s New Search Engine Results Page Layout

    sarnold
    24 Mar 2014 | 1:00 am
    By Shawna Arnold You may have already noticed a change in the way your search results are appearing on Google. For some, the change may seem subtle. For those of you who may be avid search users and/or keep up with industry trends, this change may seem more significant. The recent updates to the layout of Google’s search engine results pages (SERPs) involved the formatting of paid advertising, fonts, and overall layout. The Old Search Engine Results Pages (SERPs)   Even before Google changed their SERP layout, search users were presented with different types of results based on a…
 
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    The Claims SPOT

  • 15 Excuses For Not Changing And 5 Reasons To Change The Way We Make Change

    Marc Lanzkowsky
    1 Apr 2014 | 1:55 pm
    Change is hard for everyone and how and when to change has been debated and discussed in companies since the first company was formed. What is never debated are some of the excuses used for not changing. People are generally resistant to change and despite the need to move forward people generally prefer to live with what they have. Taking a strategic approach to the issues around change itself shuold help to alleviate some of the resistence. In this post we look at changing the way we change.
  • Part 3 on Leadership: Challenges and Assistance in Leading Change

    Marc Lanzkowsky
    25 Mar 2014 | 7:26 am
    In Leadership: The Change Process In Claims Requires A Different Approach, I put forth the position that changing a claims organization needs a new brand of leadership skill that does not usually exist in the traditional claims organization. In Part 2 on Leadership: Developing a Strategic Transformation Team, I addressed how to break from existing management process to achieve effective strategic results. In the final installment, I discuss how challenges around leading change make it beneficial to bring in strategic support to help achieve the desired success.
  • Part 2 on Leadership: Developing a Strategic Transformation Team

    Marc Lanzkowsky
    17 Mar 2014 | 7:40 am
    Breaking from the linear approach to management is the key to leading Strategic Transformation. A standard organization will have a head of claims and then a variety of department heads to manage each line of business. Depending on the company there may be additional senior managers to handle various operational aspects of the group, which may include support staff, call center, technology and data analytics. Under this method, projects get initiated and managed within the same linear organizational framework. The result of this approach is a development process built in a silo that limits…
  • Leadership: The Change Process In Claims Requires A Different Approach

    Marc Lanzkowsky
    10 Mar 2014 | 8:14 am
    Successful organizations are always changing and adopting to improve their operations, lower costs and increase efficiencies. Claims departments are no different and have been under pressure to transform their operations and live by the mantra of doing more with less. Good claims organizations continuously evolve and adapt to ensure they add value to the overall business. Regardless, changing to meet the challenges of the marketplace is often fraught with problems and difficulties. Many initiatives fail to get off the ground or fail in the implementation process. Change can be very successful…
  • Claims Challenge: It’s Time for a Change – Are You In?

    Marc Lanzkowsky
    14 Jan 2014 | 1:38 pm
    Here's a challenge! Let's redesign the claims industry. Yes innovation has improved the world of claims over the past few decades to make claims more efficient. As recent catastrophe's have shown, the industry is much better at responding to losses than in years past. Regardless, claims functions in an assembly line approach. This has of course been a huge improvement and like manufacturing has helped to produce a better more consistent product. Today's world allows us to collaborate more so my challenge is to tap into your collective experience and come up with even better ideas. What do you…
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    McCormick Insurance Solutions, Auto Insurance, Home Insurance, Surety Bonds

  • Medical Payments Coverage For Your San Diego Auto

    Wayne Mccormick
    23 Apr 2014 | 12:29 pm
    Medical Payments coverage is a very important of your San Diego auto insurance. San Diego auto insurance Medical Payments coverage pays benefits related to personal injuries resulting from an automobile accident. Generally speaking, San Diego automobile liability offered through our agency covers Medical Payments coverage, often called (MedPay). Medical payments coverage is a form of auto insurance that can pay for some of the medical expenses your passengers incur as a result of a car accident. It applies no matter who caused the accident. Medical payments can pay for many out-of-pocket…
  • Is Your San Diego Auto Fully Insured?

    Wayne Mccormick
    10 Apr 2014 | 12:25 pm
    One of the questions we often get asked is, “Who is insured to drive my car”?  A permissive user would be a third party you give permission to use your car, such as a co-worker. San Diego Auto insurance policies are not equal, and you should be aware that some San Diego auto insurance coverage may limit permissive users. The hidden danger occurs when the person you permitted to use your car then allows another person to use the car without your knowledge. Before you lend your car to anyone you should review your coverage or contact our office and have us provide an analysis for you. The…
  • Don’t Let an Auto Accident be a Pain

    Wayne Mccormick
    19 Mar 2014 | 9:30 am
    Automobile accidents happen every day. That is one reason you should have San Diego auto insurance through McCormick Insurance Solutions.  Although no one wants to experience an auto accident, knowing what to do in case one happens to you could soften the impact on your life in the days and weeks to follow. You purchase auto insurance to help you through accidents, if and when, they happen. Here are a few suggestions to help you: At the Scene The first priority is to check for injuries at the scene. Call for medical help if anyone at the scene is injured. Notify the police as soon as  …
  • General Liability Insurance For San Diego Business

    Wayne Mccormick
    5 Mar 2014 | 9:16 am
    We understand all businesses are unique. Just because you are a small or medium sized business does not mean you are exempt from litigation. As a business owner, you have enough on your mind without having to worry about your San Diego business insurance needs. You want to have the confidence that the business you’ve built is covered by a company that understands your insurance needs. All businesses need General Liability Insurance to protect the organization from unforeseen events. General Liability Insurance should be the foundation of your insurance program. General Liability Insurance…
  • Be Safe While Driving Your Motorcycle

    Wayne Mccormick
    19 Feb 2014 | 8:00 am
    Many of us love to ride the California highways on our motorcycles. Taking a ride with family and friends on a fresh crisp weekend is pure joy. Providing San Diego Motorcycle Insurance is what we do.  But as we all know, safety must be a primary concern. Here are a few tips: Have an annual insurance review. We can help you find the right combination of coverage and price, and we provide outstanding customer service. McCormick Insurance Solutions can provide you with the right combination on coverage and price. Wear a Helmet. Buy a full-face helmet for the best protection for your head and…
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    Property Casualty Insurance Blog

  • Microinsurance and Claims: Fraud Prevention and Detection

    Thomas Mulvey
    24 Apr 2014 | 4:00 am
    In developed markets, it’s no secret that insurance fraud is an enormous problem. In the United States alone, according to data from the Aite Group, property/casualty insurance fraud costs the industry as much as $64 billion a year. In the United Kingdom, according to the Association of British Insurers, insurance fraud amounts to more than £1.6 billion per year. While substantial, even those levels of fraud do not threaten the viability of two of the world’s largest systems, thanks in large part to the efforts of SIU professionals and the tools they use (such as ISO ClaimSearch).
  • Microinsurance and Claims: An Offer of Proof

    Joe Louwagie
    23 Apr 2014 | 4:00 am
    A claim represents an opportunity for an insurance company to keep its promise. In developed markets, a claimant’s experience can mean the difference between retaining and losing a customer. In the developing market, the stakes are even higher. For a newly implemented microinsurance program, a misstep during the claim handling process can cause the market to doubt the entire program. Insurance is a new concept in many emerging markets, and carriers interested in implementing local microinsurance schemes need to provide plenty of education about the benefits. Even then, the challenge remains…
  • Microinsurance and Claims: Key Claims Considerations

    Carlos Martins
    22 Apr 2014 | 4:00 am
    The role of the claims department in operating a microinsurance program may be even more sensitive than in mature markets. In any insurance market, large or small, the claims department engages with the customer in a time of need. How the insurer handles a claim shapes the customer’s trust in the company. In a microinsurance program, though, the claim experience can shape the customer’s trust in the entire system, not just the carrier. And one customer’s perceptions can spread quickly. To say that every claim experience is crucial is a profound understatement. When implementing a…
  • I hope you will join us at the Client Summit

    David Cummings
    21 Apr 2014 | 8:35 am
    The 2014 Verisk Insurance Solutions Client Summit is jam-packed with a variety of strategy and operational sessions. I’m excited about my presentation, Homeowners Competitive Strategies: Leap Ahead with New Analytics for Pricing and Underwriting. You’ll learn how you can make better and faster underwriting decisions while reducing expenses using data, analytics, and new technologies. Bob Hartwig, president of I.I.I., will deliver the keynote. I’m sure his insights on the economy and its effects on our industry will be illuminating. This year features three networking events to benefit…
  • Microinsurance and Claims: Overview

    Rich Della Rocca
    21 Apr 2014 | 4:00 am
    Microinsurance provides a unique opportunity for both insurers and insureds. Insurers (and their shareholders) can benefit from the growth potential afforded by new markets. At the same time, insureds can gain access to protection — not currently available — for personal property and small businesses. As a result, microinsurance can help emerging markets recover quickly from disasters, prevent massive losses of wealth among citizens, and pursue sustainable economic growth. The barriers to implementation of microinsurance are substantial. Local historical loss data usually doesn’t exist.
 
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    Life Insurance Insights

  • The Catch to my “Live it up or Leave it” Solution

    Mike
    22 Apr 2014 | 6:22 pm
    In my last entry I showed how a couple could guarantee delivery of $250,000 when the second of them died by purchasing a Second-to-Die policy for a single premium of only $76,565, allowing them to live it up during their retirement while fulfilling their dreams of a legacy for their grandkids.  When some people look at these numbers they figure it’s too good to be true; there must be a catch.  Well, yes, there is. The major catch is that it can be very costly if you change your mind after purchasing the policy.  If the couple in my example (Husband age 70 and Wife age 68) decided they…
  • Live or Leave? That is the Question

    Mike
    17 Apr 2014 | 6:45 pm
    Did I get your attention?  Ok, so here’s what I mean by this provocative question.  More than one acquaintance of my wife and me who fall into our general age category—the 70’s—have voiced a concern with the dilemma posed by this question.  That is, they want to live their retirement years to the fullest, enjoying travel and entertainment, but, at the same time, they want to leave something for their grandkids when they are gone. The dilemma caused by this desire to live it up now while leaving a meaningful sum for kids and/or grandkids can have a strangulation effect on leisure…
  • One More Life Story From An Event We All Remember

    Mike
    15 Apr 2014 | 5:38 pm
    This is the final real life story from www.lifehappens.org, an excellent resource for unbiased information on life, disability and long term care insurance. John Ogonowski grew up on a farm and never wanted to give up that life, even as he pursued a distinguished military and civilian flying career.  While a young pilot for American Airlines, John began buying land in his hometown of Dracut, Mass, and eventually developed a second career as a hay farmer.  John’s wife, Peg, was a flight attendant at American and they knew her salary would not be enough to support their three young…
  • A Real Life Story — Without Life Insurance

    Mike
    10 Apr 2014 | 6:07 pm
    This real life story is from www.lifehappens.org, an excellent resource for unbiased information about life, disability and long term care insurance. The Yasmine Moss Story The cosmetology classes Yasmine Moss was taking at Bladensburg, MD High School were suppose to be a way to learn a trade she could use when she needed extra spending money for clothes or going out with friends.  She didn’t anticipate that soon that would be her main means of support. When Yasmine was 17 years old, her father, Tex, a construction worker, died of esophageal cancer, just four months after receiving his…
  • Another Real Life Story

    Mike
    8 Apr 2014 | 6:05 pm
    The following three real life stories are from www.lifehappens.org, a site sponsored by a non-profit organization supported by scores of insurance organizations.  It is an excellent resource for great, unbiased information on life, disability income and long term care insurance. The Don Wachtel Story Don Wachtel loved fixing and refurbishing things, so it’s no surprise that he built a thriving tile business, channeling that passion into clients’ homes. When insurance agent Chris Manfredi met Don, he recognized a kindred spirit.  They were both in their 30’s, raising families and…
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    SelectNews Blog

  • Do your part to help heal the planet ? Earth Day 2014

    SelectQuote
    17 Apr 2014 | 6:52 pm
    Taking care of the Earth is every individual?s responsibility, and Earth Day (April 22nd) is the perfect time to renew our efforts to help protect the planet. Going green is easier than you might think. There are minor changes you can make in your daily routine that can help you make a less harmful impact on the environment. Here are 8 simple things you can do to help reduce your environmental impact and contribute to a healthier planet: 1. Conserve Water ? Fixing leaky faucets, taking shorter showers, and turning off the water while you brush your teeth, are only a few of many ways you can…
  • Relax: It’s good for your health

    SelectQuote
    10 Apr 2014 | 6:22 pm
    Whether it?s caused by short-term or long-term factors, stress can take a toll on our health. Being overly anxious or stressed doesn?t just have mental effects ? it has physical effects as well. The more stressed we get, the more vulnerable we are to colds, flus, and more chronic and life-threatening illnesses, such as high blood pressure and heart disease. Relaxation is good for you and it doesn?t take as much time as you think. You don?t need a trip to the spa or a weekend away to de-stress. The following 10 tips will have you more relaxed in fewer than 15 minutes: 1. Drink Green Tea ? The…
  • 3 Essential Tips for Travel Preparedness

    SelectQuote
    3 Apr 2014 | 5:24 pm
    Preparing ahead of time can help ensure your vacation is stress-less. No one wants to go on a vacation that doesn?t feel like one because it?s spent worrying about forgotten things to do back home. Did you leave the light on? Did you turn the air-conditioning off? These are questions that can be answered by a trusted neighbor or friend back home, but there are more serious matters to consider ? the safety and future of yourself and your loved ones back home. If you?re leaving your children home while you travel, it?s a given that you would create a list of emergency contacts to give to the…
  • Spring-clean your finances

    SelectQuote
    27 Mar 2014 | 5:59 pm
    Most people think of their over-stuffed garages and closets when they think of spring-cleaning, but just after tax season is the perfect time to re-evaluate and tidy up your finances. Here are 8 steps for getting your finances in order: Evaluate your debt ? How much do you owe, and what kind of interest rates are you dealing with? Speak with your mortgage lender and credit card company to see if they can lower your interest rates (it never hurts to ask). Decide what you want to start paying down or off first, and create a debt-reduction plan. Update your budget ? If you?ve experienced any…
  • Can I benefit from life insurance if I?m single?

    SelectQuote
    20 Mar 2014 | 2:57 pm
    There are several types of life insurance available, and a life insurance policy can be tailored to an individual?s unique situation and specific needs. It?s safe to say that everyone can receive some kind of benefit from having a life insurance policy. Term life insurance generally has lower premiums, and it can be easily adjusted to accommodate a change in an individual?s needs, making it a great, adaptable option for every one. While most people associate the need for life insurance with home ownership and starting a family, there are other situations where it can, and will, be beneficial.
 
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    Insurance Thought Leadership

  • The Science (and Art) of Data, Part 2

    articles@insurancethoughtleadership.com
    24 Apr 2014 | 3:00 am
    Given the high need and growing demand for data scientists, there are definitely not enough of them. Accordingly, it is important to consider how an insurer might develop a core talent pool of data scientists. As it is often the case when talent is in short supply, acquiring (i.e., buying) data scientist talent is an expensive but fairly quick option. It may make sense to consider hiring one or two key individuals who could provide the center of gravity for building out a data science group. A number of universities have started offering specialist undergraduate and graduate curricula that…
  • Many Agents Expose Themselves to Dangers

    articles@insurancethoughtleadership.com
    24 Apr 2014 | 2:59 am
    Many insurance agents are confused about their role, which brings about misplaced loyalties and greater E&O exposures. Let’s start with a question: Does the agent owe the policyholder the common law duty of good faith and fair dealing? Most insurance agents would respond with a resounding “yes” – but they’re wrong. The duty of good faith and fair dealing is a non-delegable duty that applies only between the parties to the contract, and the parties are the insurance company and the insured – not the agent. Put simply, the agent is not the agent of the…
  • The 7 Keys to Strong Passwords

    articles@insurancethoughtleadership.com
    23 Apr 2014 | 10:37 am
    Creating a strong password may seem like a chore, but sometimes it can literally be the only thing standing between a cybercriminal and your personal and financial information or access to your company’s network and intellectual property. Here are some tips for creating a strong password (that you can actually remember): 1) The most important factor in creating a secure password is length. A longer sequence of characters (letters, numbers and possibly punctuation marks) means more possible combinations to help thwart an attacker. The absolute minimum should be 12 characters. If a…
  • TRIA: A Real Need, and the Time Is Now!

    articles@insurancethoughtleadership.com
    22 Apr 2014 | 11:11 am
    The Terrorism Risk Insurance Act (TRIA) was initially passed in November 2002 as a response to the terrorist attacks of Sept. 11, 2001. Private insurance carriers had responded to the attacks by excluding acts of terrorism from coverage, and TRIA was needed to entice private carriers to once again cover this risk. By providing the necessary reinsurance so the insurance industry can properly define and limit the financial impact of another significant terrorist event, TRIA-backed terrorism coverage is widely available today at affordable costs. Currently, TRIA is scheduled to expire…
  • Workers’ Comp Benchmarking Study

    articles@insurancethoughtleadership.com
    22 Apr 2014 | 3:00 am
    Like most industries, the workers' compensation industry has hurdles that challenge growth and operational effectiveness. Many of these hurdles for workers' comp are commonly the focus of research, with numerous studies published about the state of cost drivers, claim trends, workforce demographics, jurisdictional comparisons and the like. However, less is reported about how peers compare in terms of operational challenges, priorities, concerns, skills gaps and budgets. In response to this need, the 2013 Workers' Compensation Benchmarking Study was developed, and Rising…
 
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    Shift Insurance Blog

  • Ignition Interlock Devices -- Part of the Aftermath of Your DUI Arrest

    14 Apr 2014 | 12:44 pm
    "Ignition interlock device".  It sounds like something out of a science-fiction movie or an old episode of Star Trek.  However, these devices are anything BUT fiction.  Instead, they're a daily reality for many California residents who have been convicted of DUI! First things first -- what exactly IS an ignition interlock device? It's a small piece of equipment that gets wired to your car's ignition and sits near the dashboard.  With it in place, your car won't start until you blow into it.  If the device determines that your blood alcohol level is over the legal…
  • Why is Your Car Insurance Getting More Expensive?

    1 Apr 2014 | 11:23 am
    If you're like most people, you don't have an endless pile of cash sitting around.  So, you probably keep very close tabs on the bills that arrive in your mailbox every month.  Unfortunately, California is home to some of the most expensive car insurance premiums in the country, so the last thing you want is for them to climb even higher! But simply crossing your fingers and hoping your premiums don't go up doesn't work in the real world.  What you need to do instead is figure out the reason for the increase -- and, more importantly, see if there's anything you can do to get…
  • What Happens to Your Car Insurance if You Get Arrested for DUI?

    26 Mar 2014 | 12:10 pm
    It all started out so innocently… You met up with a group of friends to toast the end of the work week, and before you knew it, you lost count of how many drinks you had.  Once the night turned into the wee hours of the morning, you decided that you were sober enough to drive home.  After all, you only had to make it a couple of miles.  Unfortunately, that couple of miles was just long enough to get pulled over and arrested for DUI. Now what? You've dealt with getting out of jail and getting a lawyer, but the criminal aftermath isn't the only thing you need to worry…
  • Perceptions Vs Reality of Vehicle Theft in California

    9 Feb 2014 | 10:39 pm
    Despite falling crime rates in California, most people still think thefts have been on the rise for the past ten years. According to numbers from the Department of Justice, Car thefts in California have fallen 35% since 2003. Powered by Shift Insurance Despite this, a recent survey by Shift Insurance has found that 3 in 4 Californians believe it has either stayed the same or increased. Powered by Shift Insurance When asked “Do you think the number of car thefts in California have increased or decreased over the last 10 years” 29% answered that they believed the number of vehicle…
  • The Truth About Car Thefts & Insurance in California

    28 Jan 2014 | 2:21 pm
    By the time you finish reading this story, at least one car will be stolen in California. It’s true, one car is stolen on average every three minutes around the clock all year long. That’s the kind of information that keeps most of us pushing the “lock” button as we leave our car in the Safeway parking lot. And yet, vehicle theft is not as bad as it used to be. Vehicle theft in California has fallen 35% in the past seven years. Nationally the drop is even more striking – down 40% between 2005 and 2012. The Perception About three in four Californians think vehicle…
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    Idex Consulting Blog

  • Does your online presence (or lack of) affect your employability?

    Roane Rapson
    14 Apr 2014 | 3:11 am
    It seems like only yesterday that I was sat in a lecture on branding listening to how as an organisation; everything you are, everything you do and everything you say (and also what you don’t) contribute to brand image and value. Everybody is aware of the marketing gurus that capture the perfect image or write the perfect copy to make you WANT that certain brand. Just as they have considered everything from lighting to font, so must you. But what about personal brandingin a job search? Every facet of your professional self will either add value to, or detract from your personal brand;…
  • Why We Love Qualified Recruiters (And You Should Too)

    Ceri Adams
    28 Mar 2014 | 9:50 am
    A word so often used - qualified.  But what does it actually mean?  The official definition is something along the lines of ‘Having the necessary skill, experience or knowledge to do a particular job or activity’.  So, how does this equate to you as a Candidate or Client within the recruitment industry? Qualify Your Recruiter You don’t have to work with every recruiter that calls/approaches you.  Take your time to find out about the way that they work.  Do they spam CV’s? Will they tell you where they have sent your details?  Do they have in depth market…
  • Is your LinkedIn profile any good?

    Daniela Iacono
    18 Mar 2014 | 4:00 am
    I’ve heard it a thousand times “I’d like to apply for your role but I don’t have an up-to-date CV. Can you give me a couple of days to get this over to you?” These two days could mean someone else getting in there first! If you’re not actively looking for a new job but out of the blue you get a call from a headhunter with your dream role, are you prepared?   Be CV-Ready A CV is your opportunity to tell prospective employers about your achievements, we all know that but unless we are active in the job market most of us don’t have an up to date version ready. Your LinkedIn…
  • Should I stay or should I go? The realms of counter offers.

    David Carr
    4 Mar 2014 | 10:40 am
    Let’s set the scene… So, you’ve spoken to a couple of your companies competitors about a new role, had 2 may be even 3 interviews with one or more businesses. They like you, you like them. A refreshing business it seems. You’ve spoken to your friends and family and they all agree it’s the right choice. You defiantly step into work after a long weekend of preparing to say goodbye and hand over your formal but pleasant letter of resignation... But what’s this? Your current boss looks at you with puppy dog eyes and is devastated that you want to leave. They ask you why and what can…
  • 4 Reasons Hiring Managers shouldn’t ignore transferable skills

    David Colesby
    24 Feb 2014 | 8:30 am
    What ever happened to transferable skills? Over the last 7 years, many companies have streamlined their organisational structure in order to save costs and create a more light footed business in order to adapt to a constantly changing marketplace. This has created a “Job Poor : Candidate Rich” environment and ultimately created a situation where Hiring Managers have been able to cherry pick the best of the market’s available talent. Employers were able to get away with “a perfect hire” mechanism choosing only those that ticked all of the boxes for a role. Now business is doing well,…
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    CarInsuranceCalculator.info

  • The Average Cost of Car Insurance Rates in the United States

    D. Baughmann
    3 Apr 2014 | 3:49 pm
    Are you wondering how much will your car insurance cost? You’ve probably wondered why your best friend Joe can get such great rates when he has 5 tickets and has had two accidents, lives in the same place you do, and is the same age. That surely means there’s no such thing as an average [...]
  • The Top 10 Cheapest Cars To Insure 2013 and 2014

    D. Baughmann
    5 Sep 2013 | 4:00 am
    Although you may think finding cheap auto insurance can’t be done, it’s actually not impossible. If one of your New Year’s resolutions was to save more money in 2013 and you’re also looking to buy a new car, you’ll be happy to find there’s a wide assortment of vehicles fairly cheap to insure. Whether you [...]
  • Combining Home & Auto Insurance With the Same Insurer Saves You Money

    D. Baughmann
    2 Sep 2013 | 3:57 am
    There are many ways that consumers can save money on their insurance policies. One of the most popular methods to save money on insurance is to bundle your policies together. For example, by having home and auto insurance together under the same insurance coverage, you can receive a discount on your insurance premiums. Savings of [...]
  • No Credit Check Auto Insurance: Getting a Quote Without Having Your Credit History Checked?

    D. Baughmann
    29 Aug 2013 | 4:00 am
    Does having a bad credit history make you a reckless driver or an extremely high risk homeowner? Maybe it does, and maybe it does not. But, recent studies have shown that there is a statistical correlation that shows there is a link between your credit history or credit score and your risk to insurance companies. [...]
  • Liability Car Insurance – Why Most State Limits May Be Dangerously Low

    D. Baughmann
    26 Aug 2013 | 4:00 am
    Many insurance purchasers do not think twice about the amount of insurance that they carry to protect themselves and their assets in the event of an accident. Every state sets its own criteria for minimum insurance required to drive a car, and consumers all too often just accept the state’s liability limit minimums without fully [...]
 
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    Insurance Blog | Insurance News & Articles | Quoteline Direct

  • Nearly Half a Million Motorists Caught Without Insurance

    qldb_admin
    16 Apr 2014 | 7:32 am
    Figures from a Freedom of Information request show that nearly half a million motorists have been awarded penalty points for driving without insurance in the past three years. It’s a genuinely shocking statistic and begs the question: why are so many motorists prepared to break the law? Research has revealed that 473,564 drivers were given endorsements for driving without insurance between 2010 and 2013, and these are just the ones that have been caught. In fact, the Motor Insurers’ Bureau (which compensates the victims of uninsured drivers) estimates there are 1.2 million uninsured…
  • Car Insurance keeps Getting Cheaper and Cheaper

    qldb_admin
    14 Apr 2014 | 2:00 am
    After years in the financial doldrums it’s great that the economy has finally got some wind in its sails. But while Britain is booming on paper few people have noticed the difference in their pocket. Now motorists can breathe a sigh of relief as car insurance costs fall to a five year low. Comprehensive car insurance premiums have dropped by nearly 20% over the past year to an average of £596. It’s great news for motorists who will save an average of £140 on cover, but what’s behind the falling premiums? Car insurance costs soared by a staggering 40% during the economic crisis and…
  • How to drive your van more economically

    qldb_admin
    4 Apr 2014 | 9:21 am
    While there isn’t much that van drivers can do about the price of fuel there are ways to get more miles from your tank. Not only will you save money, but you’ll also be doing your bit for the environment. Make the following small changes to your driving habits and you’ll notice a big difference to your motoring costs:   Get the Right Gear: By changing gear at the right time you’ll put less strain on your engine and use less fuel. Listen to your engine and it will tell you when it’s time to change gear, otherwise change between 2000-2500 rpm. Switch Off: If your van is stationary…
  • Guide to Choosing the Right Breakdown Insurance

    qldb_admin
    2 Apr 2014 | 7:41 am
    It’s hard to imagine a more stressful (or more expensive) way to end a trip than stranded on the side of the road with a car full of kids and a boot full of cases. However, as ever motorist knows: cars can and do go wrong. Breakdown insurance is a cost-effective safety net providing peace of mind and practical assistance, but it’s essential that you get the right type of cover. A good breakdown insurance policy will include the following benefits: Speedy Response: Time stretches when you’re stuck on the hard shoulder so choose a provider with a proven track-record. You shouldn’t have…
  • Making the Most out of Spring Motoring

    qldb_admin
    27 Mar 2014 | 1:27 am
    With the worst of winter behind us, and the roadside verges springing into life, driving becomes more of a pleasure and less of a chore. So it’s time to dust off your driving gloves and hit the open road, but first you’ll need to give your car a little TLC: Spring Clean your Car It’s been the wettest winter on record most cars are begging to be cleaned. Aesthetics aside; now it’s time to get rid of all that salt and grit before corrosion sets in. Clean the outside of your car with a gentle shampoo and apply a protective wax to finish. Pay special attention to those ‘hard to reach’…
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    The Esurance Blog

  • Motorcycle Safety Tips for Navigating Bad Weather

    Jiordan Castle
    24 Apr 2014 | 5:00 am
    You might be a pro rider when the sun's out, but how do you handle biking in bad weather? Learn to handle harsh conditions on your bike with these motorcycle safety tips. The post Motorcycle Safety Tips for Navigating Bad Weather appeared first on The Esurance Blog.
  • SR-22 Explained: What Is It and When Do You Need One?

    Ellen Hall
    23 Apr 2014 | 5:00 am
    What is an SR-22, anyway? Who needs them, how do you get one, and how long do you have to carry it? In Part Two of our FAQ series, we answer all these questions and more. The post SR-22 Explained: What Is It and When Do You Need One? appeared first on The Esurance Blog.
  • How to Avoid Panicking When Your Brakes Fail (Video)

    Ellen Hall
    21 Apr 2014 | 9:19 am
    You count on your car’s brakes a lot — so what if, all of a sudden, you can’t? Here’s what to do. The post How to Avoid Panicking When Your Brakes Fail (Video) appeared first on The Esurance Blog.
  • FANtasy Build: You Could Win the Car of Tomorrow

    Jessica Guerin
    18 Apr 2014 | 5:00 am
    Esurance and West Coast Customs are teaming up to bring you FANtasy Build. You could help create and win the car of tomorrow. The post FANtasy Build: You Could Win the Car of Tomorrow appeared first on The Esurance Blog.
  • How Insurance Could Conquer the NBA Playoffs

    Alex Glenn
    17 Apr 2014 | 5:00 am
    Navigating the NBA Playoffs takes precision, savvy, and a sixth sense for coverage gaps. Sounds like just the job for an insurer. The post How Insurance Could Conquer the NBA Playoffs appeared first on The Esurance Blog.
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    Healthedeals.com Blog on Health Insurance

  • Affordable Care Act Coverage Not Necessarily Affordable for Young Adults

    22 Apr 2014 | 11:50 am
    Assuming you haven’t lived under a rock for the last five years, you’ve probably heard of ‘Obamacare,’ the nearly universal nickname given to the Affordable Care Act, a law passed in 2010 that has been the source of debate ever since it was first proposed.The Affordable Care Act was supposed to make health care more affordable, and not just for one particular group of people, but for all Americans. But what exactly is considered affordable anyway? The answer varies, of course. After all, what might be affordable for one person is not necessarily affordable for someone…
  • 4 Health Insurance Options for Students Losing Benefits

    15 Apr 2014 | 11:20 am
    As the academic year winds down, some student health insurance plans may, too. Since the policy length may vary by school and the duration selected by a student (e.g., year-round, fall semester only, or spring semester only), college students should check their health insurance plan materials, find out when their policy ends and make plans accordingly. This applies whether the student is graduating or just leaving campus for the summer. Avoiding health insurance coverage gaps can help protect one’s finances from unexpected medical bills. Those whose health insurance coverage will not…
  • How Do Temporary Insurance Plan Networks Work?

    14 Apr 2014 | 8:15 am
    I thought temporary health insurance plans did not require you to see network providers, but the plan materials I just received talk about networks. Can you explain? You are correct. The Secure Saver and Secure STM plans sold through healthedeals.com give you the flexibility to choose the doctors and clinics you prefer without network restrictions or benefit reductions. However, these temporary health insurance plans do come with access to discounted medical services through national preferred provider organization networks like: MultiPlan – One of the nation’s largest…
  • Are Obamacare Extensions Available?

    10 Apr 2014 | 12:25 pm
    I thought the enrollment deadline ended in March, but now I’m hearing that I can still buy ACA-compliant health insurance. Is this true? It may be true, depending on where you live and why you could not meet the open-enrollment deadline. Those who were trying to enroll in an Affordable Care Act–compliant health insurance plan by midnight on March 31, 2014, but did not finish due to technical problems, error screens, or other circumstances that prevented them from completing an application may qualify for an extension. However, you need to act soon. The extension for the…
  • Do I Owe an Obamcare Tax Penalty This Year?

    10 Apr 2014 | 9:55 am
    I know it’s a bit last-minute, but I am now preparing my 2013 taxes and wondered if I will owe a fine. I did not enroll in an Obamcare health insurance plan and do not have health insurance through my employer. When you file your 2013 federal income taxes, you will not owe the tax penalty known as the shared responsibility payment, regardless of your health insurance status right now. However, you will likely pay one in 2015. Those who go without Affordable Care Act–compliant health insurance in 2014 will owe a tax penalty when filing their 2014 federal income tax return in…
 
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    The Murray Group

  • How to Choose Between Buying Insurance Online vs Independent Agent [Video]

    Ryan Hanley
    16 Apr 2014 | 9:15 am
    There are a lot of misconceptions when it comes to choosing between buying insurance online versus an independent agent. We created this video after receiving several questions from our Facebook and Google+ connections asking us to help sort through this decision. In a nutshell, one method isn’t necessarily better than the other. The decision comes down to what you want out of your insurance buying experience. We may biased, but we believe it ultimately comes down to service when choosing between buying insurance online vs an independent agent. Watch this short video for the entire…
  • Insurance Score vs Credit Score: Which Impacts Your Insurance Premiums? [Video]

    Ryan Hanley
    9 Apr 2014 | 11:34 am
    Confused by insurance score vs credit score? We hear insurance score vs credit score thrown around quite a bit in regards to insurance premiums. It’s important to understand two main points from the beginning: 1) In New York State, insurance carriers are allowed to use information from your credit report to determine premiums. 2) Insurance score is a completely separate number from credit score .These two terms CANNOT be used interchangeably. In essence, insurance score is a derivative of your credit report. Additionally, your insurance score is going to be different with each…
  • How Do I Find Auto Insurance Near Me? (3 Easy Methods)

    Ryan Hanley
    7 Apr 2014 | 7:45 am
    Are you looking for auto insurance in your local area? Many people prefer working with a local insurance agent but struggle with finding and choosing the right agency. This point was validated this week when we received the question, “How do I find auto insurance near me?” from one of our readers. On today’s episode of The Murray Group Mailbag, we set out to answer this question and provide you with 3 easy methods for finding and choosing a local auto insurance agency. Watch the short video below to learn the 3 methods: If you want to watch this video on YouTube, you can…
  • Homeowners Insurance Options for Homebuyers With Low Credit Scores [Video]

    Ryan Hanley
    19 Mar 2014 | 6:56 am
    Is your credit score driving insurance premiums up? In New York State, insurance companies are allowed to use credit score in determining the insurance premium for homeowners insurance. This means that many insurance companies will charge a higher premium if the insured has a low credit score. I know that it doesn’t seem fair. Insurance companies will cite the 20 years of studies that have been done on the topic, including this one done by the Federal Trade Commission in July of 2007, stating: “(Credit) scores effectively predict the number of claims consumers file and the total cost…
  • Top 5 Albany Mortgage Brokers for Your Next Home Loan

    Ryan Hanley
    11 Mar 2014 | 11:12 am
    Choosing a new home is stressful enough, and having to find a mortgage broker you can trust to help finance your purchase can be overwhelming. Adding to the stress is the fact that there are literally hundreds of Albany mortgage brokers available to choose from. Which mortgage broker is going to be the best fit for you? We get asked some variation of this question almost every day. Before you make your decision, there are three important questions you must ask yourself. The answers to these questions will allow you to set expectations for your experience working with a mortgage broker as well…
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    Scarsdale Insurance, NY

  • Insurance For Your Home Improvement Project

    Scarsdale Insurance
    7 Apr 2014 | 8:30 am
    Are you planning a remodeling project or addition for your home this year?  Construction season is upon us, and it’s important to have the right insurance coverage. The Insurance Information Institute says if you’re hiring someone to do the work, be sure that the house, the contractor and the subcontractors have adequate insurance coverage. Before the job begins an appropriate lawyer should handle the written agreement/contract between you and the contractor or sub-contractors, making it mandatory that the contractors include you as an additional insured on their general liability policy…
  • Insuring a Pricey Rental Car

    Scarsdale Insurance
    28 Mar 2014 | 2:52 pm
    With graduations, birthdays, Father’s Day, reunions and proms fast approaching, some may want to make a statement by renting a luxury or exotic vehicle to impress others or just to enjoy the sights, sounds and excitement that comes with these types of cars. Services like Gotham Dream Cars and Hertz Dream Car Collection let anyone who is interested rent the Ferrari, Lamborghini, Aston Martin, Bentley or Porsche of their dreams. If you decide to treat your dad to a day in a Ferrari or want to impress your peers by rolling up to your reunion in a Rolls Royce, you should make sure that your…
  • Don’t Let Low Policy Limits Be Your Umbrella

    Scarsdale Insurance
    26 Mar 2014 | 2:10 pm
    By Rosalyn Binday Are you unfortunately familiar with the term “policy limits?” If you’ve ever had someone slip and fall on your front steps or been at-fault in an auto accident, you just might be. Policy limits are the maximum that your insurance will pay for a specific claim.  For example, if you buy only minimum auto coverage in New York State, your policy would at most pay out $25,000 for bodily injury claims to an individual hurt in an accident that was your fault. The maximum it would pay for all bodily injury claims in a single accident would be $50,000. Bodily injury is a…
  • Warming Temperatures On The Way – Is Your Home Ready?

    Scarsdale Insurance
    18 Mar 2014 | 11:48 am
    By Rosalyn Binday The thermometer soon – and it’s about time – will be moving well above freezing, so homeowners should be ready for possible flooding as the piles of snow throughout the tri-state area begin to melt. This brings the possibility of leaks in your roof and walls from gutters that are dammed up, as well as backed up drains and wet basements if the sump pump can’t keep up with the ground moisture. Many homeowners don’t realize until it’s too late that their insurance policy doesn’t always cover water damage resulting from backups, unless specifically…
  • Deducting Your Casualty Losses at Tax Time: Don’t Mistake the IRS for an Insurance Provider

    Scarsdale Insurance
    13 Mar 2014 | 1:09 pm
    By Rosalyn Binday  Did you have a loss last year due to weather, theft or an accident? Are you planning to deduct that loss when you file your Federal Income Tax return? Well, it might not be so easy.  In fact, the IRS sets a pretty high bar for a tax deduction due to a casualty loss.  It’s a good reason to make sure your insurance is up to date and covers what you need it to. The biggest hurdle is the 10 Percent Rule, which means that any unreimbursed losses you incur during a given year must exceed 10 percent of your adjusted gross income (AGI) to be deductible on your tax return.  To…
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    Insurance Marketing Blog

  • 7 Myths & Monsters All Insurance Agents Should Fear

    Guest Post
    21 Apr 2014 | 7:13 pm
    Special thanks to Dan Weedin for contributing today’s article. Learn more about Mr. Weedin in his bio below this article. I’ve been working closely with insurance agents as a coach and mentor for the past 8 ½ years and one thing is clear to me. Agents and brokers are leaving money and clients on the table because they fall victim to 7 insidious myths and monsters that lurk in the bushes. These monsters have always been hanging around (even when I was selling insurance), yet like zombies, they can change and morph with time and technology (zombies do that, right?). While there are…
  • How to Get More Facebook Fans For Your Agency – Part 2

    John F. Carroll
    18 Apr 2014 | 7:05 am
    In this second of a two part episode of Insurance Marketing, John Carroll shares  14 more actions to grow the number of active followers on your agency’s Facebook page! Click Here to Subscribe via iTunes Listen to this episode to find out: A quick recap of numbers 1-14 that we discussed in the last episode The right time to email your customer base about following your Facebook page. The simplest way to run a contest on your Facebook page to get more likes. A really cool and free tool to analyze your Facebook activities. How to setup a network of agents to help each other’s…
  • 29 Ideas to Cross-Sell More Insurance to Current Clients

    John F. Carroll
    15 Apr 2014 | 10:18 am
    Sometimes cross-sales fall in your lap. “Do you guys also do life insurance?” Beautiful thing, huh? Most of the time though, you have to work hard to make it happen. I’ll assume you’re already good with the ones that fall in your lap, today I want to give you a bunch of ideas for making cross-sales happen. So I did a little “brain-dump” and came up with 29 different ways you can cross-sell more in your insurance agency. If you get an idea or two please share this resource with a colleague and if you have ideas to add let me know in the comments below. 1)…
  • How to Get More Facebook Fans For Your Agency – Part 1

    John F. Carroll
    4 Apr 2014 | 6:11 am
    In this first of a two part episode of Insurance Marketing, John Carroll shares  the secrets to getting hundreds of followers to your agency’s Facebook page! Click Here to Subscribe via iTunes Listen to this episode to find out: What’s the first thing to determine BEFORE trying to grow your Facebook fans. What is the most pathetic way to ask for Facebook followers and how to avoid it. What are the 4 key elements to having a professional looking agency page. How to get a link to your agency’s Facebook page on the top of your personal Facebook profile all the time. The best…
  • 26 Sales Questions That Help Agents Sell More Car Insurance

    John F. Carroll
    18 Mar 2014 | 8:50 am
    What’s your favorite Girl Scout cookie? Relax, I’m not selling Thin Mints… (my favorite) I read a great article from Seth Godin this weekend about how a good question trumps an amazing sales pitch. Even for Girl Scouts. He writes: Most Girl Scouts are taught to memorize a fairly complicated spiel, one that involves introducing themselves, talking in detail about the good work that the Scouts do, and finishing with how the money raised goes for this and for that… This is difficult work even for a professional, but for a kid talking to an adult, it’s frightening…
 
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    AgencyBloc Blog

  • Feature Updates: BlocMail and Merge Activities

    28 Mar 2014 | 7:20 am
    We appreciate all client feedback as it helps us determine development needs in the software. We have heard from many of you about the need to add some features to BlocMail and Activites. You spoke, we listened. Here are a few feature updates to those two parts of the system. To see a historical listing of all changes and updates we've made to AgencyBloc, see the System Changes page under the Help section.Unassigned BlocMailWhen you forward an email into AgencyBloc and it does not get automatically assigned to an Agent,  Individual, or Group you get a notification on your Dashboard…
  • Step 5: Change Doesn't Have to be Scary

    6 Mar 2014 | 11:54 am
    Welcome to the final part of our blog series, Five Steps for Selecting an Agency Management System. The last post in this series discussed the decision making process. Now it's time to implement your new software and mange the change in your office.Step 5: Change Doesn't Have to be ScarySo you've finally chosen an agency management system, gone through the initial set-up and are ready to be trained. You’re done, right? Not quite! Along with your software purchase, you've purchased a new way of doing business - and brought about change for your employees.Change in the…
  • Step 4: Make a Decision

    27 Feb 2014 | 10:01 am
    Welcome to part four of our blog series, Five Steps for Selecting an Agency Management System.  The last post in this series discussed how your budget plays a role in choosing an agency management system. Now it's time to make a decision!Step 4: Making a DecisionYou might be thinking, “Wait, we’re already on step four and we haven’t made a decision yet?” When choosing an agency management system, you’re choosing an incredibly important part of your business - just as important as hiring a new employee. Just as you wouldn't make an offer to…
  • Lead Forms: Funnel Web Leads Directly into AgencyBloc

    14 Feb 2014 | 6:58 am
    We get to work with agencies all across the country (even Hawaii and Canada) and I'd say I've personally seen close to 300 different agency websites.  90% of those sites contained some type of lead form - whether it be a complicated "Get a Quote" form or a simple "Contact Us" page.  We all know and understand that this is a great way to gather leads.AgencyBloc is excited to announce the release of Lead Forms.  Lead Forms allow you to capture or post lead information directly into AgencyBloc - they don't have to come just from your website either!Integrate all these mediums with…
  • Step 3: What’s Your Budget?

    11 Feb 2014 | 1:29 pm
    Welcome to part three of our blog series, Five Steps for Selecting an Agency Management System. The last post in this series discussed how your customer service needs play a role in choosing an agency manage system. In this post we'll discuss how your budget plays a role in that decision.Step 3: What’s Your Budget?Purchasing a software as a service (SaaS) agency management system isn't like walking up to the fast food counter, ordering a burger and swiping your card. Think of it more like ordering off a menu with appetizers, drink lists, main courses and desserts. There…
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    directasia.com

  • Luxury Car Sales Plummet in 2013 as All Car Sales Fall 13%

    Craig Hindmarsh
    24 Apr 2014 | 1:48 am
    9UBCFJ5WDZF8Luxury Car Sales Plummet in 2013 as All Car Sales Fall 13% By Craig HindmarshAs Singapore’s 2013 car sales figures came in, many supercar CEOs over in Europe were shedding a tear. Despite having more millionaires per square inch than you can shake pair of diamond-studded driving gloves at, wealthy Singaporeans were largely put off buying supercars last year, thanks to increases in, well, pretty much every cost associated with owning a luxury car. Ferrari sales in Singapore fell dramatically over 2013 According to an unverified Reuters report, some of the sales drop-offs were as…
  • Discovering the Secrets of Thailand’s Death Railway

    Craig Hindmarsh
    22 Apr 2014 | 2:26 am
    9UBCFJ5WDZF8Discovering the Secrets of Thailand’s Death Railway By Craig HindmarshSingaporeans worked on the Death Railway, alongside thousands of other labourers and POWs. Just three hours west of Bangkok lies the River Kwai, a beautiful stretch of water that attracts thousands of foreigners and Thais each year. But most tourists don’t come for the pretty scenery – they’re here to view the remnants of a particularly grim wartime infrastructure project: the Burma Railway, or, as the men who built it called it, the Death Railway. Under the Japanese, who had by 1943 swept through a…
  • Spoilt For Choice – Which Car Insurance Suits me?

    Zhihong Oon
    20 Apr 2014 | 8:15 pm
    9UBCFJ5WDZF8Spoilt For Choice – Which Car Insurance Suits me? By Zhihong OonWhen it comes to the world of car insurance, it can be a maze to navigate around. Furthermore, with all the options out there, which one is best suited to your needs? DirectAsia.com offers 3 different kinds of car insurance policies that are customizable to your driving needs and lifestyle. Need I say spoilt for choice? Here is the lowdown on what DirectAsia.com has to offer. With so many options, which car insurance suits me? 1. Standard Car Insurance Choose between Third-Party Only, Third-Party Fire and Theft…
  • Cycling in Asia Is Great, but Be Prepared

    Jeff Paine
    1 Apr 2014 | 6:00 pm
    9UBCFJ5WDZF8Cycling in Asia Is Great, but Be Prepared By Jeff PaineThe cycling scene is Singapore is great. There are a large number of cyclists in different groups at varying skill levels. The roads are some of the best in the world and finding a pothole here can be like finding a needle in a haystack. Despite all the wonders of cycling in Singapore, it becomes an inevitable desire to see other great cycling destinations around Asia. There are so many good choices that you could keep yourself busy for years choosing new destinations. Thailand, Indonesia, Malaysia, Australia, Taiwan, Hong…
  • Keeping Singapore Hydrated: Embrace Your Grubby Car?

    Felix Chong
    1 Apr 2014 | 2:30 am
    9UBCFJ5WDZF8Keeping Singapore Hydrated: Embrace Your Grubby Car? By Felix ChongSingapore’s politicians have waded deep into the dry-spell debate recently, with a number of different suggestions to help us curtail our water use. World Water Day took place on Saturday the 16th of March, kicking off a month of Public Utility Board events aimed at raising water use awareness across Singapore, under the banner ‘Going Big on Saving Water’. Turn the shower off while soaping yourself, suggested deputy Prime Minister Tharman Shanmugaratnam at Jurong Lake; fill a mug of water for…
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    Insurance Protection Blog

  • Life Insurance For New Parents: Term Life Insurance v. Whole Life Insurance

    RJ Weiss
    18 Apr 2014 | 3:58 pm
    You may be expecting. You may have already welcomed your child into this world. Some of you may be on your 3rd or 4th. Now that someone's life is in your hands, not having life insurance is out of the question. Instead, you focus should be on buying the right type, from the right company, for the right price. In 2011, my wife and I attended 13 of our friend's weddings. In 2014, we're on pace to buy 13 baby shower gifts. (: Yep. At 29 years-old and now a Father myself, I've now entered the point in life where more friends are having babies, than getting married.  A fun stage no doubt but…
  • What Advice Do Personal Finance “Gurus” Give Regarding Home Insurance?

    RJ Weiss
    2 Apr 2014 | 6:43 pm
    15 years ago, when you went to the doctor, you just listened.   Today, you go armed with a list of questions from what you've researched about your condition on your own thanks to Google.   15 years ago, when shopping home insurance you got out the phone book...made a phone call or two...and got some quotes back. Today, when a client calls us for a home insurance quote, they're armed with what they think is best for them. More and more homeowners start their insurance shopping not by trying to find quotes. Instead, they look for information first. Information on the top rated…
  • Retired? Here's 5 Home & Auto Insurance Discounts You're Now Eligible For

    RJ Weiss
    19 Mar 2014 | 4:46 pm
    Between the ages of 55-65 is statistically one of the safest years of your life. You're a good driver. You take pride in your home. You're likely not adding on teenage children to your auto insurance. Insurance companies recognize this offer discounts and great rates to this age group. Here are 5 discounts or rate changes retirees are now eligible for. # 1 - No Commute If you're no longer making the daily commute to work, notify your agent of this change. Auto insurance companies charge more for those who are commuting daily, especially if that commute is long. # 2 - Mileage When you talk to…
  • Is Your Credit Score Secretly Costing You Thousands of Dollars?

    RJ Weiss
    14 Mar 2014 | 12:51 pm
      It’s safe to say, understanding how your credit score works can save you over $100,000 in your lifetime. Don’t believe me? Let’s say you obtain a $250,000 home loan on a 30 year mortgage. With a 4% fixed mortgage, you will make total payments over 30 years of $429,674 or $1,193.54 a month for 360 months. If your interest rate was instead 6% due to your credit history, your total payments over 30 years will be $539,596 or $1,499 per month for 360 months. A difference of $109,922! The savings doesn’t stop. Your credit score is factored into how much you pay for…
  • How to Compare Home Insurance Quotes

    RJ Weiss
    5 Mar 2014 | 4:31 pm
    Last week’s post discussed four different ways to compare home insurance quotes. Specifically, the changes some home insurance companies are making to their policies, which make them harder to compare just on the upfront price. Today, let's look at three other very important ways to compare home insurance quotes. The goal here is to optimize the long-term value of your insurance. In essence, look at the different coverage’s to see if saving $100 today, is worth the risk of having to pay a large sum out of pocket in the future. # 1 - Replacement Cost Value & Coverage When…
 
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    autoinsuresavings.org

  • 5 Must-Visit Auto Museums

    Shaun Fyffe
    9 Apr 2014 | 6:24 pm
    For a car junkie, a great auto museum is the closest thing you can get to heaven on Earth. Being surrounded by classic autos, famous racecars, and crazy concept cars is as good as it gets for any gear-head. Of course, it can be hard to know which museums should sit at the top of your bucket list. While it’s not like a day spent surrounded by incredible cars is a day wasted, we’ve put together a list of the 5 best auto museums in the world, so you never have to worry about missing out on the best of the best. #1. Indianapolis Motor Speedway Hall of Fame Museum, Indianapolis, IN Creative…
  • The Real Cost of Owning a Car

    Jordan Perch
    5 Apr 2014 | 5:52 am
    The cost of owning a car makes up a huge portion of each family’s budget. While paying for the car is clearly the most obvious and arguably the bigger expense, overall car ownership costs go way beyond that. In addition to the Find the real cost of owning a car so you can sleep easy at night. car purchase, there are many operating costs, that include maintenance, repairs, fuel, and insurance. When you add up the cost of these expenses, you realize that your car drains hundreds of dollars from your monthly income. The AAA recently released its annual report (PDF) on driving costs in…
  • Smart Cars: The Pros And Cons

    Henry H. Hernandez
    30 Mar 2014 | 8:11 am
    Yellow smart car. Creative Commons license, Flickr, Ed Yourdon. Love them or hate them, they’re out there on our highways and on our city streets. Smart cars. Smart cars are those tiny, 2 seater cars that get the best parking spaces. You may not be exactly sure what they are or how they work, so I created a list of Pros and Cons concerning these tiny automobiles so you can get a better understanding. Smart Car Pros: Size If you live or work in a big city, then you know how difficult it can be to find parking, or how expensive it can cost. One the pros for smart cars is their size. Smart…
  • GM Recalls 1.6 Million Cars Due To A Faulty Ignition

    Nathan Quinlan
    26 Mar 2014 | 6:43 am
    This work has been released into the public domain by its author, Yavno at the English Wikipedia project In automotive news, the big auto-giant General Motors announced that the company will recall 1.6 million vehicles because of a faulty ignition switch. Investigators are curious as to why GM has finally recalled so many vehicles when the problem was first spotted in 2001. Now, 12 deaths and a number of other reported accidents believed to been caused by the faulty ignition switch,  have aroused suspicion amongst consumers and their relationship with GM. The Problem Essentially, the problem…
  • The Pair Of Sunglasses Every Driver Needs

    Matthew Hall
    19 Mar 2014 | 7:35 am
    Many people dream of owning a $400.00 pair of designer sunglasses, with large aviator frames and dark lens – maybe even hoping to sport them at the club on Saturday night. Image for use under the Creative Commons license, Credit, tochichi, from Flickr. Although I never understood why people do such things, I have always been interested in the usefulness of products in comparison to brand recognition and functionality. Many of my predictions have been correct when it comes to effectiveness and the evil counterpart ‘coolness’. Most designer brands are a waste of money, as they use style…
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    Simplified Issue Life Insurance » Blog

  • Should Preppers Have Life Insurance?

    Jon Fritz
    8 Apr 2014 | 12:05 pm
    I was having an interesting discussion with my brother who is a pretty serious prepper and conspiracy buff. As someone who sells life insurance, I was making my case as to why everyone should have life insurance. He, of course, wasn’t having any of it. From his point of view, it was just another way […] The post Should Preppers Have Life Insurance? appeared first on Simplified Issue Life Insurance.
  • Polyphasic Sleep Schedule – The How, Benefits, Adapting, and Overcoming Obstacles.

    Jon Fritz
    6 Apr 2014 | 7:20 pm
    People use many tips and tricks to improve their sleep, but altering the sleep cycle itself is one of the most radical. You can attempt to adapt to many sleep cycles. Of these, the polyphasic sleep cycle is possibly the most challenging. Those who successfully adapt to polyphasic sleep, however, claim that the benefits are […] The post Polyphasic Sleep Schedule – The How, Benefits, Adapting, and Overcoming Obstacles. appeared first on Simplified Issue Life Insurance.
  • Financial Tips To Keep You On Track This Year

    Jon Fritz
    12 Mar 2014 | 11:15 am
    You might dream of winning the lottery, getting the sort of once-in-a-lifetime stock tip that will make you a millionaire, or discovering a long-lost, wealthy uncle who left you a fortune in his will, but be honest—that’s not likely to happen, is it? However, that’s not to say that you can’t build up a stellar […] The post Financial Tips To Keep You On Track This Year appeared first on Simplified Issue Life Insurance.
  • What To Look For When Buying Life Insurance

    Jon Fritz
    3 Mar 2014 | 10:12 am
    Life insurance is an important consideration for all adults. Regardless of your age, health, and number of dependents, life insurance will help take care of your loved ones if something should happen to you. You can never predict when you will need life insurance, so the best plan is to carry a policy at all […] The post What To Look For When Buying Life Insurance appeared first on Simplified Issue Life Insurance.
  • The True Financial Cost Of Smoking

    Jon Fritz
    17 Feb 2014 | 2:45 pm
    It’s no secret that smoking is an expensive habit, but most people probably don’t realize that the cost goes far beyond the price of cigarettes. Smoking impacts everything from your health to your home. The true cost of tobacco use goes further than you may realize. Cigarettes Image via Flickr by Fried Dough In the United […] The post The True Financial Cost Of Smoking appeared first on Simplified Issue Life Insurance.
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    Jim on Insurance

  • The Federal Insurance Office (FIO)

    Jim Holm
    17 Apr 2014 | 11:20 am
    Word came out of Washington this week that the Federal Insurance Office (FIO) is looking to establish the government’s definition of “affordability” of private passenger auto insurance. The Dodd-Frank Law gave the government authority to bark up this tree. When I hear “government” and “insurance” in the same sentence my warning bells go off. I […]
  • Insurance Is the Ultimate Infrastructure

    Jim Holm
    31 Jan 2014 | 8:00 am
    The videos and news accounts of the horrible traffic snarls and accidents in Atlanta is a grim reminder of the power of nature. At times it seems like mankind’s ability to mitigate the negative impact is overly limited. Especially when you read that as many as thirteen people died due to the storm, including the […]
  • How to Prevent Your Small Business from Becoming Insurance Poor

    Jim Holm
    4 Dec 2013 | 10:19 am
    During my career I have started several businesses. One of them became an overnight success and grew to be worth over $35 million. Another demanded much more capital to create than I originally thought. I originally budgeted $300,000, and it eventually required a total investment of $3 million before it started to turn a profit. […]
  • Did the Twitter IPO Rig Big Profits

    Jim Holm
    20 Nov 2013 | 9:00 am
    On November 7th, 2013, Twitter opened on the New York Stock Exchange at $26. By the end of the day, the price had soared 73% under the symbol TWTR to a closing price of $44.90. Institutional and wealthy investors who bought the stock at $26 made a very healthy “paper” profit. Did the underwriters make […]
  • Lyft, Uber, Sidecar, and Airbnb Present Challenges for Insurance Industry

    Jim Holm
    21 Oct 2013 | 11:27 am
    Have you heard about Lyft, Sidecar, Uber, or Airbnb? If not, you will. Lyft’s Wikipedia entry states they’ve started operating in St. Paul and quite a number of other major cities. Uber’s website indicates they’re in Minneapolis and a handful of other major cities. I realize many of the readers of these blogs are located […]
 
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    Agency Eagle

  • Why Insurance Website Templates are Killing Your Business

    Kevin Davenport
    20 Apr 2014 | 5:56 am
    So, you’re an old insurance agent who needs a new website, or you’re a new insurance agent who needs a new website—it doesn’t really matter.  You’re looking to build a brand online and you need a great website to do that, a vehicle to get your message across to existing and potential clients that looks professional and polished.   If you’ve spent any time at all checking out insurance website providers in your hometown or online, you know that there are multiple options and if you’re concerned about costs, you’ve undoubtedly found an insurance website builder that offers to…
  • DIY: 10 Savvy Social Media Ideas You Can incorporate into your Agency’s Marketing Plan Today

    Shawn Wilmoth
    19 Apr 2014 | 4:35 pm
    A social media presence for your insurance agency is nothing short of a must-have. You, as a business owner or leader, already know how important social media can be when it comes to insurance sales and marketing. Chances are that it’s also a piece of the puzzle you’re missing when it comes to marketing your insurance agency’s products and services.  Knowing that you already have enough on your plate, we’ve compiled ten sure-fire social media tips to help get you and your insurance agency started.  Doing it yourself with social media is a great way to get involved with your…
  • How to make it fun for you and your staff to go to the insurance office everyday– don’t forget the donuts!

    Kevin Davenport
    13 Apr 2014 | 6:40 pm
    So, you manage an insurance agency.  How are your days at the office going?  No, really…  Do your employees enjoy coming to work every day? Are they bored to tears?  Do they hate it altogether? Work is… well, it’s work.  Work isn’t always fun and all of us who have been in the real world understand that there are times that we won’t love our jobs, but here’s a secret that successful insurance agents and their managers know:  Making work fun for your staff goes a long way towards productivity! It’s been said that if you want to motivate the people who work for you, you have…
  • The perfect insurance agent pitch in 60 seconds – Working the chamber breakfast.

    Shawn Wilmoth
    30 Mar 2014 | 7:38 am
    I’m the first to admit that I have a strange affinity for networking meetings.  A lot of people cringe at the idea of mingling with a group of strangers who probably want nothing more than to sell them something—I revel in it.  The truth of the matter is that if you have a great elevator speech—a 60 second insurance agent pitch—networking meetings will soon become a lot less miserable, and with any luck at all, a lot more profitable for you!  In fact, you can use your pitch in a wide variety of environments with great results.  Let’s take a look at the best places to give your…
  • Tips for Sales Calls for your NEW Insurance Agency

    Shawn Wilmoth
    27 Mar 2014 | 2:00 am
    Every sane human being who has ever attempted to make a living as a salesperson has literally cringed at the thought of making cold calls—whether on the phone or in person, and insurance agents who need to make sales calls to promote their businesses are no exception.  Picking up a telephone to dial a number and have a conversation with someone you’ve never seen is not only intimidating, it can be downright overwhelming.  Showing up at their home or office can be even worse.  Sometimes the blow is softened a bit with an introduction from someone the potential client knows; this is…
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    Assetsure

  • What Katie wore next

    Sara Jaspan
    11 Apr 2014 | 1:38 am
    Ever since her engagement to Prince William with Diana’s world-famous sapphire ring, Kate Middleton’s jewellery has been something of a talking point. This week, she made headlines again, when she pre-ordered four items of jewellery from New Zealand jewellers, Tory & Ko, ahead of her royal tour down under.The items were as delicate as we have come to expect from Kate, and as precious (though certainly less out of reach than her engagement ring). Firstly, there were two pairs of earrings from the ‘Pretty’ collection – gold bows, punctuated with a pearl ‘knot’, with silver…
  • Aqua-marina

    Sara Jaspan
    28 Mar 2014 | 2:49 am
    The name of the March birthstone is comprised of two Latin words: aqua (water) marina (of the sea), reflecting its unique clear-blue-to-sea-green colouring, and subsequent oceanic resonances.Indeed aquamarine was commonly known among its classical admirers as ‘mermaid’s treasure’, or ‘sailor’s gem’ as it was carried by sea-faring men to ensure a safe and prosperous passage across stormy waters.Yet this is not all it was known for… Today we have a strong tendency to regard diamonds as the traditional stone of love and matrimony, but this hasn’t always been the case. The…
  • Legalities of Getting Married in an Hotel

    Bob Andrews
    24 Mar 2014 | 2:14 am
    Legalities of getting married in a hotelThe idea of getting married in a hotel can be a great way to consolidate several parts of your special day in to one location to remove elements of logistical nightmares (such as problems going from the church to the venue then to a hotel after the event).Also, arranging the whole day, from the cake to flowers on the table to the Toastmaster as well as colour themes, should be easier, as the venue will be able to work with you to co-ordinate everything. This can be easier than having to speak to several different companies such as caterers, musicians…
  • The secret behind the enduring appeal of the Rolex

    Sara Jaspan
    21 Mar 2014 | 3:36 am
    Over a hundred years on from the manufacture of its first wristwatch, Rolex remains one of the most iconic watch brands in the world, if not one of the most powerful brands of all time. It was ranked 2nd in the survey of UK Consumer Superbrands 2014 and regularly features in the Forbes list of the world’s most powerful brands. To give you an idea of its prevalence, seven out of every ten watch insurance quotations we generate is for a Rolex.So what’s its secret?Early on in the company’s long history, its founder, Hans Wildorf, recognised the importance of brand. In 1908, three years…
  • Precious Stones

    Bob Andrews
    14 Mar 2014 | 6:12 am
    Precious StonesWhen considering a gemstone to be set in to an item of jewellery, there are so many factors that go in to governing the actual price of the individual stone. With each gemstone; variety, quality & size can dramatically affect the price. Gemstones are rare and whilst rarity is the one of the most prized possessions of a stone, it is not the only measure of desirability and value.The Precious Stones First coined over one hundred an fifty years ago, the term “Precious Stones” applies to: Diamonds, Emeralds, Rubies & Sapphires. These four stones are translucent  and…
 
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    Talk Car Insurance RSS Feed

  • Car Insurance Policy Coverage Options and Rates

    19 Apr 2014 | 3:04 am
    Some drivers just want enough coverage to be able to drive legally and few like to include every possible protection. Personal and financial circumstances play an important role in motorists’ choice of policies. Majority of policyholders go beyond the basic liabilities cover and find a middle ground between the coverage level and premium costs.   Most auto insurers offer great packages that provide essential inclusions while the rates still remain competitive. It would not be a problem to find custom plans as well if your requirements are a bit complicated or specific. Whatever you are…
  • Pay Off Old Auto Loan and Bring Insurance Premium Down

    10 Apr 2014 | 11:35 am
    It may be a good idea to get car loan if the interest rates are agreeable. It would be nice to buy it outright but it may mean that you have to wait for your dream car until you save enough. Borrowing allows you to buy the things you desire now in return for interest payments. You keep paying the capital and interest until the whole loan is fully paid back.   In time the outstanding amount hopefully will be low enough for you to pay it off. The benefits of paying your borrowings early are discussed in detail in various financial forums and blogs. Simply you don’t have to pay the…
  • Level of Distracted Driving May Be Worse than Reported

    4 Apr 2014 | 7:57 am
    Statistics about distracted driving appear to be having problems with showing the true picture. It is not easy to determine the cause of an accident as cell phone use related unless investigators dig deeper into the facts. It is hard to find that sort of resources available to pinpoint the real reasons of the crashes. When the accident records are seen different causes may be given.   What the Studies Say about the Causes of Traffic Accidents?   A recent study carried out by National Safety Council (NSC) confirms that there were at least twice more fatal accidents where the driver…
  • How Much Car Insurance Discounts Do You Get with Anti-theft Devices?

    30 Mar 2014 | 3:08 am
    Anti-theft solutions installed in the factory or at a later stage can deter thieves or aid in recovery of the stolen vehicles. This will reduce the losses and claim pay-outs by auto insurers. The usual effect of these reductions in theft and increase in recovery should mean lower car insurance rates for the owners of such automobiles. This is the assumed outcome by most motorists.   Most states do legislate that companies take into account of such help provided by the technology. Around ten percent savings are expected to be offered. However, sometimes policyholders need to take a…
  • How to Choose the Right Car Insurance Deductibles?

    28 Mar 2014 | 2:53 am
    A standard automobile insurance policy comes with a set deductibles. Motorists can ask to increase or decrease them. Increasing would be possible with most companies but some may not allow you to go down below what they determined. Then, you may need to find another company. There are companies which offer policies without any deductibles or decreasing deductibles for every year that you don't have claims.   Premiums charged would go up or down depending on your selected amount of deductibles. Increasing them would mean that you take higher responsibility when you have a claim. This is a…
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