Insurance

  • Most Topular Stories

  • Seven things employers should know about independent medical examinations

    SimplyWorkComp
    Simply Work Comp
    9 Jun 2015 | 5:30 am
    adapted from SFM Companion During the course of an injured worker’s medical treatment, it sometimes makes sense to get an uninvolved doctor’s opinion. This can help in determining whether: Surgery is warranted Appropriate medical treatment is being given The injury stems from a work-related cause The employee could go back to work without medical restrictions For example, say an injured worker has already undergone two unsuccessful back surgeries and requests a third one. Or say an employee with arthritis claims that work aggravated the condition, causing the need for a total knee…
  • Insurance.com methodologies

    Insurance.com Articles
    22 Jul 2015 | 10:44 am
    Methodology behind Insurance.com data and ratings.
  • There’s No Fairy Godmother For This Cinderella

    Workers Comp Insider
    Tom Lynch
    13 Jul 2015 | 6:23 am
    I’d like to make a bet with you. Here it is. I bet you will answer “Yes” to at least one of the following three questions: Do you know anyone who works as a Personal Care Aide or a Home Health Aide? Has anyone in your immediate family, now or in the last 10 years, been taken care of by a Personal Care Aide or a Home Health Aide? Do you personally know anyone who  now or in the last year employed the services of a Personal Care Aide or a Home Health Aide? I like my odds. According to the Bureau of Labor Statistics, six of the ten fastest growing occupations from 2012 to…
  • 5 Classic Ways To Have Fun

    Insurance
    Fran Shaw
    22 Jul 2015 | 6:50 am
    Summer will be gone before you know it, get outside with friends and family and have some fun! It’s hard to imagine a time where games weren’t on a touch screen surface, where conversations weren’t over text, and socializing didn’t involve social media accounts. Maybe you’re tired of watching your kids invest so much time in their electronics or maybe you’re the one that needs to unplug. Whatever the case may be, Miller’s is interested in bringing back tradition. Below are a few things to keep your family happy and busy, and none of them require a…
  • Employee Misclassification: The Beat Goes On And On And On And…

    Workers Comp Insider
    Tom Lynch
    8 Jul 2015 | 1:53 pm
    Bill Clinton used to say that (fill in the blank) would last “until the last dog dies.” Well, friends, today’s topic is all about a dog that won’t die, absolutely refuses to die, will outlive us all, cannot be killed. You get the point. Eleven years ago (I almost feel like writing “in a galaxy far away”), the Insider started to track the illegal practice of misclassifying employees. We found that, while it was almost ubiquitous in the construction industry, its tentacles reached into other industries as well. We saw it as widespread right in our…
 
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    California Personal Injury and Insurance Blog

  • Choosing an insurance agent

    steinlaw
    23 Jul 2015 | 12:30 pm
    I get asked often about picking an insurance agent. People buy a house and they want to find an agent. Or they want to shop around. Unfortunately, most people make the same mistake: they shop solely based on price. Insurance...
  • Auto Insurance property damage issues - again

    steinlaw
    10 Jun 2015 | 2:09 pm
    I get a lot of calls in a month about property damage issues. The big ones are "How much do they owe for my car?" and "Why isn't there enough to pay for my repairs?" First, property damage claims, especially...
  • FAQ: Why hire an attorney for your personal injury case

    steinlaw
    9 Jun 2015 | 3:49 pm
    People sometimes call me up and ask a simple question: Why should I hire you to help me with my car accident? After all, it should be easy to resolve. As simple as it sounds, it is an important question....
  • More on personal injury formulas

    steinlaw
    20 May 2015 | 12:50 pm
    Almost 10 years ago, I wrote about formulas used to settle your claim. You can read that post here. The gist of that story: there is no formula for figuring out the value of your personal injury case. 10 years...
  • Why are insurance limits important?

    steinlaw
    14 May 2015 | 11:18 am
    People talk about insurance limits all the time and most of the time no one knows what it means. Attorneys are notorious for this. "My client has a 15/30 policy." Or "The defendant only has a 30/60 policy." What are...
 
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    Specialty Insurance Blog

  • Persuasion

    Specialty Insurance Blog
    21 Jul 2015 | 7:00 am
    This post is off topic from our typical posts, but hopefully helpful to insurance practitioners. As in any business, persuasion is important in insurance, whether soliciting a customer, communicating with an underwriter or interacting with colleagues. Robert Cialdini (see here and here) is the leader of understanding and applying the art of persuasion, starting with his book Influence: The Psychology of Persuasion. The article here discusses the application of the psychology of persuasion to business settings. The key concepts from the psychology of persuasion: Reciprocity - people feel…
  • Top Surplus Lines Insurance Markets

    Specialty Insurance Blog
    7 Jul 2015 | 7:00 am
    The insurer rankings within the excess & surplus lines (or E&S) insurance markets changed in 2014 according to a recent listing from Insurance Journal (see here). Berkshire Hathaway continued its strong growth, at 48% year over year. At the top, Nationwide (Scottsdale) and Berkley (Admiral, Verus) showed material growth, while AIG, Zurich and CNA showed declines. The E&S insurance market provides an alternative for unusual or higher risk insurance unavailable from standard lines insurers (see here & here). The essence of the surplus lines market is the flexibility in coverage forms and rating…
  • Insurance Agents & Cyber Risk Insurance

    Specialty Insurance Blog
    30 Jun 2015 | 7:00 am
    All insurance agencies and brokers should carry Cyber Risk Insurance to protect themselves from data breach exposure and to demonstrate good risk management for clients, yet some insurance agencies do not purchase the coverage. Insurance agencies have client data and premium funds, and need to take risk management and insurance protection steps to mitigate the exposure. A recent PropertyCasualty360 article (see here) and our prior post noted that small businesses are increasingly targeted by hackers. And insurance agents are repositories of all types of personal and confidential information,…
  • Professional Liability Insurance – Claim Reporting Reminder

    Specialty Insurance Blog
    23 Jun 2015 | 7:00 am
    We have commented on professional liability insurance (E&O, D&O, EPL, Cyber Risk) claim reporting a number of times previously (see here, here and here for a few), but the subject requires continuous discussion in order to protect clients. We continue to recommend erring on the side of early reporting, but it is not always so simple. A post on Professional Liability Matters, entitled Malpractice: Failure to Report Client’s Claim, discusses a unique (and interesting) claim reporting situation. However, there is also general reminder on reporting: There is no upside to failing to report a…
  • Small Businesses Are Targets of Cyber Attacks

    Specialty Insurance Blog
    16 Jun 2015 | 7:00 am
    Cyber attacks against small businesses are on the rise (see prior post), yet many small businesses still do not buy Cyber Risk insurance. Attacks and breaches against small and medium sized businesses are generally not reported. For every attack against a large organization outlined in the media, there are hundreds of other attacks against smaller businesses which go unreported. It is hard to develop accurate numbers on breaches involving small businesses because so many are unreported, but estimates are available. A PropertyCasualty360 article (see here) estimates that 62% of breach victims…
 
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    Work Comp Roundup

  • Minnesota Legislature, Governor Back Comp Cut

    Kori Shafer-Stack
    28 Jul 2015 | 5:30 am
    There is some good news when it comes to the workers compensation system in Minnesota.   Legislation approved recently and signed by Governor Mark Dayton will cut workers comp inpatient hospital costs by 10 to 15 percent and slow future medical cost increases.   Minnesota's workers comp system will be required by the legislation to use the same payment system Medicare uses to reimburse hospitals beginning in January 2016. The system bases a hospital's reimbursement on a patient's diagnosis using Medicare Severity — Diagnosis-Related Groups (MS-DRGs). This replaces…
  • Manitoba WBC Report Gets Thumbs Up

    Kori Shafer-Stack
    24 Jul 2015 | 5:30 am
    Workers compensation officials in the Canadian province of Manitoba have reason to smile.   The Workers Compensation Board of Manitoba (WCB) recently released its 2014 Annual Report .   The highlights include a surplus of $110 million and reshaping the organization to builda stronger workers comp system for the future. The WCB also released its 2015 – 2019 Five Year Plan.   "Building on our financial and system security, we began work on key strategic initiatives that will benefit Manitoba workers and employers while also transforming the workers…
  • Calculate Your Workers Compensation Premium

    Michael B. Stack
    23 Jul 2015 | 6:30 am
    All workers’ compensation insurance companies follow a very similar approach to calculating the cost of your next work comp premium. The formula used by the insurer includes the total payroll for your company, the number of claims your company has, the severity of the claims, the risk classification of your employees, the base rate for your business, the claim history of your company, and possibly a discount by the insurer for your efforts to prevent claims.     Payroll Figures   To establish your company’s workers’ compensation premium, the insurer will…
  • Pair of Kansas Workers Injured, Company Charged

    Kori Shafer-Stack
    23 Jul 2015 | 5:30 am
    Two Kansas workers endured several weeks of skin graft surgery and physical therapy after suffering second-degree burns when gas vapors exploded in a railcar in December 2014 at GBW Railcar Services LLC.   The car was being prepared for cleaning when an electric heater ignited the flammable gas. Seven other workers were treated for injuries and released from the hospital.   After the incident in Cummings, U.S. Department of Labor Occupational Safety and Health Administration inspectors recently identified 11 serious safety violations and proposed penalties totaling $46,900.  …
  • Read Adjuster’s File Notes To Understand Your Work Comp Claim

    Michael B. Stack
    22 Jul 2015 | 6:30 am
    To know what is occurring on your company’s workers’ compensation claims, read the adjuster’s file.  Self-insured employers should include in their claims handling contract with the third party administrator the right to full on-line access to the adjusters’ files on a read-only basis.  Employers who have insurance with a standard workers’ compensation insurer can ask for read-only access to the adjuster’s files.  Some insurers will oblige while other insurers who are less confident about their adjuster’s work product will decline (they…
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    Colorado Health Insurance Insider

  • Hot Summer Nights, Cool Summer Drinks HWR

    Louise Norris
    16 Jul 2015 | 10:16 pm
    Hank Stern of InsureBlog has put together the latest Health Wonk Review: Hot Summer Nights, Cool Summer Drinks.  Make sure to check it out. The post Hot Summer Nights, Cool Summer Drinks HWR appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support.
  • A petition to make pregnancy a qualifying event in Colorado – but something doesn’t add up

    Louise Norris
    16 Jul 2015 | 4:22 pm
    Last month, Broomfield resident Sean Jenks created a Change.org petition asking Colorado lawmakers to allow a special enrollment period for women who become pregnant.  It's picked up considerably steam in the last 24 hours, and now has more than 13,000 supporters. Jenks points out that New York and California have taken steps to make pregnancy […] The post A petition to make pregnancy a qualifying event in Colorado – but something doesn’t add up appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and…
  • Broker participation in Connect for Health Colorado

    Louise Norris
    15 Jul 2015 | 1:43 pm
    As of the end of June, Connect for Health Colorado had 134,200 people with effectuated individual private plan enrollments for 2015.  Of those, 62,146 had help from a broker, and 9,509 had help from a health coverage guide (Colorado's version of navigators).  According to the Connect for Health Colorado 2015 enrollment report, just 1% of […] The post Broker participation in Connect for Health Colorado appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support.
  • Connect for Health Colorado board meeting – Jay’s proposals

    Louise Norris
    14 Jul 2015 | 3:00 pm
    Earlier this month, Representative Hullinghorst, the Speaker of the Colorado House of Representatives, appointed Jay to the Connect for Health Colorado board of directors.  Jay and I have always worked as a team, and we're honored and excited to have the opportunity to help guide the exchange going forward.  We welcome feedback from the rest […] The post Connect for Health Colorado board meeting – Jay’s proposals appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support.
  • Proposed rate increases in Colorado: CO-OP up 21%, Kaiser up 2%

    Louise Norris
    3 Jul 2015 | 2:57 pm
    The back-story Last September, when we wrote about the fact that the average individual rates increase in Colorado was less than one percent for 2015, we noted that the overall rate increase was astoundingly low - far lower than anything we'd seen during our time in this industry. And although it will be several more weeks […] The post Proposed rate increases in Colorado: CO-OP up 21%, Kaiser up 2% appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support.
 
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    Home Insurance Blog

  • How to Boat Safely This Summer

    Samantha Alexander
    20 Jul 2015 | 11:24 am
    The cool, refreshing water. The wind in your hair. The steady purr of the motor. Boating is one of America’s favorite summer pastimes, and the  season is in full swing. Unfortunately, this fun summer activity can also be very dangerous. In 2013, for example, the U.S. Coast Guard counted 4,062 recreational boating accidents resulting in 560 deaths, 2,620 injuries and about $39 million in damage to property. Whether you are heading for saltwater or freshwater, safety should be one of your top considerations when boating this summer. But before you even leave the house, there’s one thing…
  • What You Don’t Know About Summer Driving May Cost You

    Shannon Ireland
    10 Jul 2015 | 10:58 am
    Turn the music up and roll the windows down – summertime road trips are in full swing. But before you throw the bags in the trunk and let the wind blow through your hair, you may want to consider the dangers of driving in the summer. Know the facts Don’t underestimate the dangers of driving during the summer. Car wrecks spike between Memorial Day and Labor Day, which means that it’s more dangerous to drive during the summer than the winter. It might seem counterintuitive, but here are the facts: According to the Insurance Institute for Highway Safety, July through September 2013 had the…
  • How to Avoid July Fourth Insurance Claims

    Samantha Alexander
    2 Jul 2015 | 6:55 am
    The Fourth of July is an American tradition – a celebration of freedom and independence. And just how do we celebrate? With flags, fireworks and backyard barbecues, of course. While it all seems like a bit of harmless fun, Independence Day gatherings are often riddled with safety hazards. One wrong move and you could wind up dealing with annoying insurance claims. Whether you are throwing an all-out Fourth of July bash or just getting together for a cookout with family and friends, take a look at the safety tips below. A little pre-celebration prep can help prevent aking a phone call to…
  • Relocating? Consider the Top 25 U.S. Cities for Movers

    Shannon Ireland
    22 Jun 2015 | 4:33 am
    New York City, Chicago, and Los Angeles can all boast top credentials for being popular relocation targets. However, choosing one of these could mean overlooking other quality destinations for movers. HomeInsurance.com  recently crunched the numbers to determine which U.S. cities are growing the fastest and why they might be popular with movers. We started by turning to the U.S. Census to determine the 50 metropolitan and micropolitan areas that have shown the greatest percentage growth since 2010 – because of a tie for 50th we ended up with 51 cities. From there, we ranked them further on…
  • Monkey Business and Home Insurance

    Arthur Murray
    19 Jun 2015 | 7:59 am
    At some time in your life, you’ve probably wanted a pet monkey or known someone who wanted one. And why not? Monkeys are cute, funny, and smart. What’s not to love? Many pet experts agree that initially, a pet monkey can be all those things. But sooner or later, they warn, usually around the time of sexual maturity, they can become jealous, destructive, and aggressive. That means in time, you, a family member, or a guest likely will get bitten. Is owning a monkey illegal? That depends on where you live. There are no federal restrictions, but at least 19 states ban ownership…
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    Insurance Law Hawaii

  • Ensuing Loss Does Not Salvage Coverage For Defective Design

    Tred Eyerly
    27 Jul 2015 | 3:01 am
       A Builders Risk policy's ensuing loss exception to the exclusion for defective design was held inapplicable. Performing Arts Cmty. Improvement Dist. v. Ace Am. Ins. Co., 2015 U. S. Dist. LEXIS 71592 (W. D. Mo. June 3, 2015).    Plaintiff oversaw the design and construction of a parking garage. The project included installation of a fifty foot retaining wall between the garage and limestone rock face. The design called for concrete fill in the area between the retaining wall and the limestone embankment. The architect and structural engineer provided the design for the retaining…
  • Claim Based on Lost Policy Survives Motion to Dismiss

    Tred Eyerly
    22 Jul 2015 | 3:01 am
       The First Circuit reversed the district court's denial of the insureds' claim for coverage despite not being able to locate the actual policy. Cardigan Mt. School v. N.H. Ins. Co., 2015 U.S. App. LEXIS 8725 (1st Cir. May 27, 2015).     In 2013, the school received a demand letter asserting a claim based upon events that allegedly occurred during the 1967-1968 school year. The record before the First Circuit did not include the details of what occurred. The school sought a defense from New Hampshire Insurance Company under a policy the school argued had been issued during…
  • Fire Causing Mudslide That Destroys Home Presents Triable Issue on Causation

    Tred Eyerly
    20 Jul 2015 | 3:01 am
       The Ninth Circuit determined that a mudslide destroying the insureds' home may be covered as a direct loss due to fire that preceded the mudslide. Stankova v. Metro. Prop. & Cas. Ins. Co., 2015 U.S. App. LEXIS 8935 (9th Cir. May 29, 2015).    The insureds' garage was destroyed by a massive fire in Arizona in 2011. The fire did not reach the house. A month after the wildfire was contained, a mudslide and runoff water from the hillside destroyed the insureds' house.     The insureds' policy provided coverage for "sudden and accidental direct physical loss…
  • "Collapse" Found to be "Substantial Impairment of Structural Integrity"

    Tred Eyerly
    15 Jul 2015 | 3:01 am
       In response to a certified question from the Ninth Circuit, the Washington Supreme Court recently found that collapse in a property policy means "substantial impairment of structural integrity." Queen Anne Park Homeowners Ass'n v. State Farm Fire & Cas. Co., 2015 Wash. LEXIS 695 (Wash. June 18, 2015).     Queen Anne Park was a two-building condominium in Seattle that was insured by State Farm. The policy covered "any accidental direct physical loss to covered property involving collapse of a building or any part of a building caused only by one or more of the…
  • Request for Independent Counsel Deemed Premature

    Tred Eyerly
    13 Jul 2015 | 3:01 am
       The California Court of Appeal affirmed the trial court's denial of the insured's request for independent counsel. Centex Homes v. St. Paul Fire and Marine Ins. Co., 237 Cal. App. 4th 23 (Cal. Ct. App. 2015).    Centex, a developer of single family residences, was sued by homeowners for alleged construction defects. Centex tendered the defense to Travelers, which accept the defense subject to a reservation of rights, including the right to choose defense counsel.      Meanwhile, Centex sued its 57 subcontractors, alleging six causes of action for breach of contract to…
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    Florida Insurance Blog

  • Pre-Litigation “Discovery” in PIP

    Mark Nation
    20 Jul 2015 | 4:40 pm
    In Shands Jacksonville Medical Center, Inc. v. State Farm Automobile Insurance Company,  40 FLW D1447a (Fla. 1st DCA June 22, 2015), the First District Court of Appeals ruled on the ways a PIP carrier can obtain information from PIP medical providers in Florida pre-litigation. In this case, State Farm, sent a pre-litigation request to Shands pursuant to Florida Statute Section 627.736(6)(b) asking for: 1) copies of third-party contracts with medical insurers which contain negotiated discount rates; and 2) corporate representative depositions of Shands’ employee(s). The 1st DCA rejected…
  • Insured Can Challenge Insurance Sinkhole Remediation Plan

    Mark Nation
    15 Jul 2015 | 4:58 am
    In Roker v. Tower Hill Preferred Insurance Co., 40 FLW D764b (Fla. 2nd DCA March 27, 2015), the Second District Court of Appeal was asked to review a Summary Judgment granted to the homeowners insurer in a sinkhole case.  The insurance company and the homeowner agreed that sinkhole activity caused damage to the insured home.  The insurance company’s engineer recommended a subsurface remediation play which only called for compaction and chemical grouting.  Tower Hill instructed its insured that it would only pay to remediate the sinkhole if the insured must enter into a contract for…
  • Hail Damage Lawsuit Filed

    Mark Nation
    15 Jul 2015 | 4:58 am
    My clients purchased a replacement cost homeowners insurance policy.  On July 12, 2014, their roof sustained hail damage.  As in many of these cases, the insurance company hired an engineer to inspect the roof.  The engineer inspected the roof and wrote an extensive report concluding that there was no hail damage.  Instead, according to the insurance company’s engineer, the roof was old and suffered from manufacturing defects, and damage from foot traffic.  (This is almost exactly what the insurance company said in the trial I won a few weeks ago where the jury deliberated for about 18…
  • Another Suit Filed As Result of March 24, 2013 Wind and Hail Storm

    Mark Nation
    9 Jul 2015 | 11:16 am
    As I’ve written before, on March 24, 2013, a severe unnamed wind and hail storm hit the Central Florida area.  The storm caused significant damage to area homes and businesses.  In this case, our clients purchased replacement costs homeowners insurance coverage for their home.  Replacement cost insurance coverage pays the cost of replacement if any part of your home is damaged.  Replacement cost coverage pays the replacement cost without any deduction for age, and there is no depreciation or pro rata reductions of any sort.  This includes the replacement of a roof regardless of age if…
  • Late Notice, Appraisal and Prejudice

    Mark Nation
    7 Jul 2015 | 8:43 am
    In State Farm Florida Insurance Company v. Hernandez, 40 FLW D1433a (Fla. 3rd DCA June 17, 2005), State Farm appealed a non-final order compelling appraisal of a homeowners claim.  The lawsuit arose out of a Hurricane Wilma supplemental claim. Hurricane Wilma struck South Florida in October of 2005.  The insured submitted a homeowner’s claim to State Farm.  State Farm paid the claim.  After this payment, the insured said he noticed additional damage.  In 2007, the insured renovated his entire home.  In 2010, five years after Wilma, the insured submitted a supplemental claim to…
 
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    WordPress Tag: Auto Insurance

  • Miami Agent Arrested for Stealing More than $80K from Clients, S. Florida and Fort Lauderdale again????

    homeinsuranceguru
    28 Jul 2015 | 12:54 pm
    The Florida Department of Financial Services’ Division of Insurance Fraud has announced the arrest of Mandy Rodriguez, 35, on felony fraud and grand theft charges after an investigation revealed that Rodriguez, a licensed insurance agent, allegedly stole more than $80,000 in premium funds from four of his clients. In an effort to conceal that he was pocketing the money intended to pay the premiums on policies his clients thought were valid, Rodriguez created fake proof of insurance documents and gave them to his clients, DIF said in a statement. Rodriguez’ clients reportedly believed they…
  • Things You Should Know About the Auto Insurance Payment Calculator

    Andrew Brown
    28 Jul 2015 | 5:04 am
    While calculating payments for auto insurance, we need to check the factors such as loan amount, loan term, interest rate etc. but we simply ignore all these. One thing we sincerely do is listening to the insurer. Many people are unaware about how auto insurance payments are calculated. They think it is a time consuming process and let the insurer do this alone. But is it a right decision to avoid such an important thing due to such silly reasons? We should know well about each and every issues of insurance payment as you have invested your earnings on it. Now, see how auto insurance payments…
  • Insurance Agent Helps You To Choose A Coverage Plan Within Your Budget

    martincurds
    28 Jul 2015 | 2:25 am
    Do you want to protect your finances and assets? Well, all you are required to do is to consult an insurance agent with whose help you can save yourself from a financial ruin. This agent gathers information about your lifestyle and preferences and then offers an insurance policy which will definitely meet your specific needs in most appropriate manner. He will provide you with a customized insurance product and help you to choose the best insurance coverage which is well within your budget. There are two kinds of insurance agents namely: captive agent and independent agent. Captive insurance…
  • You Will Not Believe How Easy It Is To Get Great Auto Insurance When You Follow These Tips

    Blackmoore's Auto Advice
    28 Jul 2015 | 1:14 am
    You want the truth about auto insurance, not just what some random person has said on the Internet. There are scores of self proclaimed experts out there, but you need to know the correct information and be assured that it is legitimate. You will most likely find exactly what you are looking for in this article. Look around on the web for the best deal in auto insurance. Most companies now offer a quote system online so that you don’t have to spend valuable time on the phone or in an office, just to find out how much money it will cost you. Get a few new quotes each year to make sure…
  • Shedding Light On Car Insurance Savings

    Mojave Insurance
    27 Jul 2015 | 10:19 am
    It can be easier than you think to put the brakes on high auto insurance rates – as an independent agency, Mojave Insurance can help! We can review your policy and possibly help you find a variety of illuminating ways to save money. Here are some things you may want to consider:  Ask us to check several companies’ rates. This is the single most important thing you can do to get the best possible rate—and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars. Reduce or drop…
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    Insurance RSS Feed | JD Supra Law News

  • Texas Property Insurers Consider Changes to Hail Policies

    Zelle Hofmann Voelbel & Mason LLP
    28 Jul 2015 | 2:06 pm
    Texas is in the midst of a hail lawsuit crisis. Tens of thousands of lawsuits have been filed across the state, with dozens more being filed every day. Many of the lawsuits involve meritless claims solicited by case-runners acting on behalf of...By: Zelle Hofmann Voelbel & Mason LLP
  • Court Denies As Moot Insurer’s Motion To Review Discovery

    Carlton Fields Jorden Burt
    28 Jul 2015 | 1:29 pm
    A district court in Kansas denied as moot defendant Liberty Mutual Fire Insurance Company’s motion to review a magistrate’s order granting plaintiff Great Plains Ventures, Inc.’s motion to compel reinsurance, reserves, and claims-related materials....By: Carlton Fields Jorden Burt
  • Fifth Circuit Finds Erosion in Texas—Because Endorsements Are Transformative

    Carlton Fields Jorden Burt
    28 Jul 2015 | 12:45 pm
    In Amerisure Mut. Ins. Co. v. Arch Specialty Ins Co., No. 14-20239 (5th Cir. April 21, 2015), a case that applied Texas law, the U.S. Court of Appeals for the Fifth Circuit recently held that the word “expenses,” as used in a liability policy,...By: Carlton Fields Jorden Burt
  • Jeep Hack Drives Cyber, Crisis, Liability and Supply Chain Coverage Issues

    Wilson Elser
    28 Jul 2015 | 12:32 pm
    A recall notice to fix critical control software on 1.4 million vehicles should raise concerns for companies, brokers and insurers across several business lines. The vulnerability of vital control systems to a remote hacking threat is a significant...By: Wilson Elser
  • Real Property, Financial Services & Title Insurance Update: Weeks Ending July 10, 17 & 24, 2015

    Carlton Fields Jorden Burt
    28 Jul 2015 | 10:46 am
    REAL PROPERTY UPDATE - Eviction/Summary Judgment: Error to grant summary judgment where plaintiff failed to refute multiple affirmative defenses including an assertion that the eviction would cause an inequitable forfeiture based on its...By: Carlton Fields Jorden Burt
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  • State Won't Let Stores Open on Nov. 22

    28 Jul 2015 | 1:34 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    28 Jul 2015 | 1:34 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    28 Jul 2015 | 1:34 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    28 Jul 2015 | 1:34 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    28 Jul 2015 | 1:34 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
 
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  • State Won't Let Stores Open on Nov. 22

    28 Jul 2015 | 1:34 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    28 Jul 2015 | 1:34 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    28 Jul 2015 | 1:34 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    28 Jul 2015 | 1:34 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    28 Jul 2015 | 1:34 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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  • State Won't Let Stores Open on Nov. 22

    28 Jul 2015 | 1:34 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    28 Jul 2015 | 1:34 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    28 Jul 2015 | 1:34 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    28 Jul 2015 | 1:34 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    28 Jul 2015 | 1:34 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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  • State Won't Let Stores Open on Nov. 22

    28 Jul 2015 | 1:34 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    28 Jul 2015 | 1:34 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    28 Jul 2015 | 1:34 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    28 Jul 2015 | 1:34 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    28 Jul 2015 | 1:34 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
 
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  • State Won't Let Stores Open on Nov. 22

    28 Jul 2015 | 1:34 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    28 Jul 2015 | 1:34 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    28 Jul 2015 | 1:34 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    28 Jul 2015 | 1:34 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    28 Jul 2015 | 1:34 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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    Artemis.bm - The Catastrophe Bond, Insurance Linked Securities & Investment, Reinsurance Capital, Alternative Risk Transfer and Weather Risk Management Blog

  • Cyber catastrophe bonds & a public-private sector solution

    Artemis
    28 Jul 2015 | 9:38 am
    The rising threat of cyber attacks to economies and businesses across the globe can be mitigated through public and private sector relationships, utilising the benefits of alternative risk transfer solutions such as catastrophe bonds, according to Z/Yen Group Limited. Cyber risks are seen as one of the great opportunities for the insurance and reinsurance sector, as well as a great unknown and a key risk. Not only is the potential exposure enormous, so needing insurance and reinsurance capacity to cover it, but right now quantifying the risks is extremely difficult due to a lack of data and…
  • Sterling Capital adds insurance-linked securities to mutual fund

    Artemis
    28 Jul 2015 | 9:02 am
    Further evidence of the continued appreciation of insurance-linked securities (ILS) such as catastrophe bonds, and reinsurance linked strategies in general today, as Sterling Capital Management announced that it’s added ILS to one of its mutual funds. Over the last few years there have been an increasing amount of more traditional asset management firms which have been adding alternative asset classes to their funds, with the insurance-linked asset class one of the beneficiaries. Sterling Capital Management LLC is a registered investment advisor and an operated subsidiary of BB&T…
  • Asian mortality protection gap an opportunity for reinsurance & ILS

    Artemis
    28 Jul 2015 | 7:35 am
    The burgeoning $58 trillion mortality protection gap impacting Asia was highlighted by reinsurance giant Swiss Re recently, signalling an opportunity for capital providers in the insurance, reinsurance, catastrophe bond and insurance-linked securities (ILS) space. Reinsurer Swiss Re has published a preview and accompanying fact sheet prior to the release of its latest Asia-Pacific Mortality Protection Gap report, citing that the “mortality protection gap in life insurance has increased by more than $16 trillion in the last four years, and more than doubled in the last ten.” The…
  • AXIS refrains from citing proxy firm inconsistency in second report

    Artemis
    28 Jul 2015 | 6:02 am
    AXIS Capital has again highlighted the fact that a proxy advisory firm is in favour of its proposed merger with reinsurance firm PartnerRe, but this time it hasn’t gone so far as to accuse Glass Lewis of inconsistency. Last week insurance and reinsurance firm AXIS Capital highlighted that proxy advisory firm Institutional Shareholder Services Inc (ISS) had been inconsistent, by recommending that PartnerRe’s shareholders vote against the proposed merger (and for the EXOR offer), while recommending that AXIS’ shareholders voted for it. As we explained at the time, proxy firms…
  • Blue Capital Reinsurance Holdings beats estimates again, up 6% in 2015

    Artemis
    28 Jul 2015 | 4:56 am
    Blue Capital Reinsurance Holdings Ltd. (BCRH), the NY stock exchange listed collateralized reinsurance subsidiary of Bermuda-based Montpelier Re, beat analyst estimates again in Q2, helping it to a 6% increase in book value for the first-half of 2015. Blue Capital Re, established as an insurance-linked investment vehicle, allowing a different class of investors to access the strategies of investment manager Blue Capital Management Ltd. through a stock exchange listed equity, reported second quarter 2015 income of $5.5m, or $0.63 per share. The reinsurer, which effectively operates a little…
 
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    InsureBlog

  • TX BX lying

    28 Jul 2015 | 9:00 am
    Why would a carrier tell such an obvious fabrication?"BlueCross BlueShield of Texas to drop individual PPO plans in 2016"We all know that it couldn't possibly be true:[Hat Tip: FoIB Holly R] Original content copyright © InsureBlog
  • Fitbit vs HIPAA

    28 Jul 2015 | 6:00 am
    As who's actually subject to HIPAA restrictions becomes ever murkier, technology continues to pile on. And it's not just Electronic Health Records (EHR). As we noted a few months ago, John Hancock is tapping into the FitBit craze, offering policyholders the chance to trade laps around the track for dollars off their premiums.It seems pretty obvious that buying and using a FitBit for oneself doesn't entail HIPAA issues (although it could cause problems for would-be criminals). But what if it's tech that was prescribed (and/or provided) by a medical provider?We've posted about who actually owns…
  • Feel the Love

    27 Jul 2015 | 1:52 pm
    Anthem wants to add Cigna to their stables. But Blue Cross is not pleased.Anthem (ANTM), may be causing anxiety for fellow Blue Cross and Blue Shield plans across the country with its $54 billion purchase of Cigna (CI). - ForbesWhy is that you ask? Aren't they the same company?Nope.The (Blue Cross) association’s rules prevent Anthem from using the well-recognized Blue Cross and Blue Shield brand in regions where Anthem doesn’t have the Blue Cross license or own a Blues plan, Anthem is forced to sell health insurance under a different brand like Amerigroup, which will fight for business…
  • State HIX circling the drain

    27 Jul 2015 | 9:20 am
    Who could have seen this coming?"State-run health insurance markets ... are struggling with high costs and disappointing enrollment."Well, the high costs were a given (as we correctly predicted almost 6 years ago!), and not exactly a surprise.But low enrollment? Whatever do they mean?"The viability of state health insurance exchanges has been a challenge across the country, particularly in small states, due to insufficient numbers of uninsured residents."Whoa - hold the presses!What was that again?"[I]nsufficient numbers of uninsured"Um, wasn't the whole point of this fiasco to address the…
  • A Tangled Web Update

    27 Jul 2015 | 7:28 am
    A few months ago, we posted on the strange case of the elderly housekeeper and the $1 million life insurance policy. At the time, we wondered how she was able to qualify for that much coverage given her apparently meager income.More information has come to light that (perhaps) explains the apparent discrepancy.According to her family's lawyer, Ms Fox "was not some poor, desolate little lady ... Her husband owned and operated mobile homes and RV parks and developed them. They had a pretty substantial income and made some pretty good money selling those.”And then there's this:In 2013, Mark…
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    Workers Comp Insider

  • Summertime: Health Wonks still on the job

    jferguson
    17 Jul 2015 | 6:03 am
    Despite sultry summer days and vacations, the health wonks are still on the case. Check out the July update of Health Wonk Review: Hot Summer Nights, Cool Summer Drinks. The substantive offerings from all corners of the health policy blogosphere show that the wonks aren’t slacking off. Host Hank Stern does an excellent job of dishing things out at InsureBlog, also offering “a spoonful of sugar to make the medicine go down” in the form of seasonal cocktail recipes. Check it out!
  • There’s No Fairy Godmother For This Cinderella

    Tom Lynch
    13 Jul 2015 | 6:23 am
    I’d like to make a bet with you. Here it is. I bet you will answer “Yes” to at least one of the following three questions: Do you know anyone who works as a Personal Care Aide or a Home Health Aide? Has anyone in your immediate family, now or in the last 10 years, been taken care of by a Personal Care Aide or a Home Health Aide? Do you personally know anyone who  now or in the last year employed the services of a Personal Care Aide or a Home Health Aide? I like my odds. According to the Bureau of Labor Statistics, six of the ten fastest growing occupations from 2012 to…
  • Employee Misclassification: The Beat Goes On And On And On And…

    Tom Lynch
    8 Jul 2015 | 1:53 pm
    Bill Clinton used to say that (fill in the blank) would last “until the last dog dies.” Well, friends, today’s topic is all about a dog that won’t die, absolutely refuses to die, will outlive us all, cannot be killed. You get the point. Eleven years ago (I almost feel like writing “in a galaxy far away”), the Insider started to track the illegal practice of misclassifying employees. We found that, while it was almost ubiquitous in the construction industry, its tentacles reached into other industries as well. We saw it as widespread right in our…
  • Peter Rousmaniere Takes On The Opioid Controversy And Offers A Prescription For The Future

    Tom Lynch
    29 Jun 2015 | 5:08 am
    Work Comp Central has published We’re Beating Back Opioids – Now What? ,  written by columnist Peter Rousmaniere in cooperation with CompPharma, a consortium of workers’ compensation Pharmacy Benefit Managers. To say the Mr. Rousmaniere is a “workers’ compensation thought leader” is a little like saying Ted Williams was a pretty good baseball player. In this provocative analysis he expertly  chronicles the increasingly alarming rise in opioid usage to treat work injuries from the early 1990s through the first decade of this century, what he calls…
  • News Roundup: ACA, WC & Profitability, Pain, Opioids & More

    jferguson
    26 Jun 2015 | 8:56 am
    The big news that’s dominated the week is the Supreme Court decision on the Affordable Care Act subsidies. NAIC’s statement on the ACA ruling sums things up well: “Uncertainty in insurance is not a good thing. The decision allows regulators, consumers and the industry a level of certainty that supports stability for insurance markets in our states. The NAIC will continue to support state insurance departments – as we have done since the passage of the ACA – and ensure consumers are protected, regardless of the type of exchange in any given state. There are still a number…
 
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    Managed Care Matters

  • Maryland’s innovative approach to hospital care – and implications for work comp

    Joe Paduda
    28 Jul 2015 | 7:36 am
    Maryland has long been a leader in intelligent approaches to managing the cost of health care.  The state has had one of the few effective Certificate of Need programs limiting the medical arms race and employs an all-payer fee schedule for facility care. In partnership with CMS, Maryland will be shifting payment to hospitals from fee-for-service to an outcomes-based reimbursement scheme. According to Health Affairs; a Maryland hospital is no longer paid on a per-admission basis but instead receives a global payment based on the number of Maryland beneficiaries cared for by the hospital.
  • Consolidation in the real world – implications for workers’ comp

    Joe Paduda
    24 Jul 2015 | 5:01 am
    There’s been a lot of mergers and acquisitions in the work comp arena, and certainly more to come. But the activity in our little corner is minor indeed compared to what’s happening in the “real world” – group health, Medicaid, and Medicare. Make no mistake, these transactions will affect work comp. You’ve probably heard of some of the activity among payers; Anthem is buying Cigna for $54 billion Aetna is paying $37 billion for Humana When these deals are completed, there will be three giant health insurers; United, Anthem, and Aetna.  All will have…
  • It’s another done deal in work comp services…

    Joe Paduda
    23 Jul 2015 | 12:19 pm
    Another deal is official; One Call Care Management has announced its acquisition of MedFocus.  This had been rumored for some weeks, OCCM has been notifying their clients it is now official.  This knocks out another potential imagining vendor, further consolidating One Call’s stranglehold on the market. MedFocus has about $50 million in revenue, reportedly divided equally between work comp and non-occ payers. Let’s talk for just a minute about this. OneCall historically has had a dominant position in this sector, built on great customer service and a relentless focus on…
  • Work comp services: the wholesale sale and the retail sale

    Joe Paduda
    22 Jul 2015 | 3:36 am
    There’s a lot of confusion on the part of some execs new to the work comp space about what it takes to generate revenue from work comp payers. I’ll leave aside the obvious answers such as: build a great product or service; deliver great customer service; find an unmet need and meet it; build relationships and value them and the like. No, this is about the wholesale sale vs the retail sale. RFPs come out from TPAs and insurers requesting all manner of services, requiring all kinds of assurances and guarantees and specific service agreements, along with a price that would render…
  • Friday’s here!

    Joe Paduda
    17 Jul 2015 | 6:04 am
    And you get to start the weekend early (we hope). While you were focused on other stuff – like work – here’s what else was going on in our little world. Fraud – two very different views. This morning’s WorkCompWire arrived with the news that some small businesses are concerned that their employees may be contemplating workers comp fraud.  In a survey sponsored by EMPLOYERS Insurance, 13% of respondents were concerned “employees would commit workers’ compensation fraud by faking an injury or illness in order to collect benefits.” (according to…
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    Insurance Industry Blog

  • Lightning Fatalities Prompt Warning

    Claire
    23 Jul 2015 | 8:18 am
    The number of lightning deaths in the United States in 2015 continues to rise, the National Weather Service (NWS) has warned. So far this year some 22 lightning fatalities have been recorded, just four shy of the 26 deaths recorded for the whole of 2014. Alabama, Florida and Colorado top the states for lightning deaths in 2015 to-date with three lightning deaths each. Lightning kills an average of 49 people in the U.S. each year, and hundreds more are severely injured, according to the NWS. While storms can be deadly, the number of insurance claims from lighting strikes in the U.S. has been…
  • Five Billion-Dollar Insured Cat Loss Events in 2015

    Claire
    21 Jul 2015 | 7:23 am
    Despite a rather quiet first half of 2015 for global catastrophes, insurers endured at least five separate billion-dollar insured loss events (all weather-related), according to Aon Benfield’s just-released Global Catastrophe Recap: First Half of 2015. None of the events crossed the multi-billion dollar loss threshold ($2 billion or greater) and four of the five were recorded in the United States, Aon Benfield said. The costliest event for the insurance industry was an extended period of snow and frigid temperatures in the U.S. during February ($1.8 billion in insured losses). (See our…
  • Insurance Responds To Rising Costs of Food Recalls

    Claire
    16 Jul 2015 | 11:42 am
    You may have read that the Justice Department is warning food manufacturers that they could face criminal and civil penalties if they poison their customers with contaminated food. Recent high profile food recalls, such as the one at Texas-based Blue Bell Creameries and another at Ohio-based Jeni’s Splendid Ice Creams, have drawn attention to this issue once again. Now a new report by Swiss Re finds that the number of food recalls per year in the United States has almost doubled since 2002, while the costs are also rising. Half of all food recalls cost the affected companies more than $10…
  • U.S. Winter Storm Losses Mount

    Claire
    14 Jul 2015 | 8:39 am
    As my kids head off for their snowy-themed day at camp, the statistic that jumps off the page in the 2015 Half-Year Natural Catastrophe Review jointly presented by Munich Re and the Insurance Information Institute (I.I.I.) is the record $2.9 billion (and counting) in aggregate insured losses caused by the second winter of brutal cold across the Northeastern United States. As Munich Re illustrates in the following slide, a total of 11 winter storm and cold wave events resulted in 80 fatalities and caused an estimated $3.8 billion in overall economic losses in the period from January 2015 to…
  • Cyber Stakes Rise Amid OPM Breach Fallout

    Claire
    10 Jul 2015 | 12:16 pm
    The unfolding story on what is being described as the largest cyberattack into the systems of the United States government reads like an episode out of CSI Cyber. Today the head of the Office of Personnel Management (OPM) Katherine Archuleta resigned as fallout continued in the wake of Thursday’s revelation that the second of two massive data breaches exposed the personal data of 21.5 million federal employees, contractors, applicants and family members. This follows the previous breach OPM announced in June in which some 4.2 million federal personnel records were exposed. The…
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    Go Health Insurance Blog

  • 10 Essential Health Benefits Your Health Insurance Must Cover

    GoHealth
    27 Jul 2015 | 9:12 am
    Share this Infographic On Your Site Share this Infographic On Your Site The post 10 Essential Health Benefits Your Health Insurance Must Cover appeared first on Go Health Insurance Blog.
  • Fitness Trends: Are these 3 here to stay?

    GoHealth
    22 Jul 2015 | 1:11 pm
    by Lauren Mandel The ThighMaster and Shake Weight are fitness fads that have (hopefully) come and gone, but it seems like there are new trends emerging every day.  Although there’s nothing wrong with going for a good old-fashioned jog and eating a balanced diet, there are dozens and dozens of new ways to help you live your healthiest life. Let’s dive deeper into three of the biggest fitness trends happening right now. Are these trends here to stay, or will they be long gone before the year ends?    Fitness trackers We’ve shared our love for fitness trackers before, and for good…
  • The truth about Obamacare birth control coverage

    GoHealth
    21 Jul 2015 | 8:19 am
    by Lauren Mandel In the few years since the Affordable Care Act was signed into law, women who use birth control have saved an average of $255 a year on out-of-pocket costs. This is because now under the ACA, most health insurers must cover some form of contraception. However, until recently, many women were still paying high out-of-pocket costs for their birth control, even with Obamacare health insurance. Health insurers found ways to avoid paying some or all of birth control costs because of vague language within the health law. Thankfully, the government recently issued a new document…
  • How to Face Obesity and Improve Your Health

    GoHealth
    14 Jul 2015 | 11:58 pm
    by Lauren Mandel In the United States, more than one-third of adults are considered obese. That’s equal to almost 80 million people. Although obesity is now classified as a disease by the American Medical Association, there is hope for affordable care thanks to Obamacare. While some health plans have covered obesity medications, procedures, and treatments in the past, now under the Affordable Care Act, most health insurance companies are required to offer some sort of obesity coverage. Obesity screenings and counseling for adults are considered preventive care services under the Affordable…
  • 5 healthy recipes to make now

    GoHealth
    12 Jul 2015 | 11:10 pm
    by Lauren Mandel The struggle is real: Eating healthy during the summer is no easy feat, especially with barbecues and ice cream around every corner. But if you’re looking to stay healthy throughout the season, there are some delicious recipes that will keep you full and satisfied. We’ve rounded up a few of our healthy favorites we think you’ll enjoy.   Chicken and watermelon both have amazing health benefits, including lots of protein and packed with water, respectively. When you put them both together and top the dish with a savory dressing, you have a perfect summer supper. Find…
 
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    JohnConner.com

  • 5 Reasons a Group Health Policy is better

    John
    27 Jul 2015 | 9:11 am
    Is a Group Health Insurance policy a better choice for your employees than having them enroll in a Health Insurance Exchange on their own.  Most likely, yes. 5 Reasons a Group Health Insurance policy is better than Individual. Physician and Hospital networks … Most group health plans provide the “old” networks before the ACA started.  These networks are typically much greater in size and scope than their counterpart, the “Individual / Family” plan.  The difference can be drastic depending on your area in which you live. Formulary List … A formulary list…
  • Move Abroad and your US Health Insurance will Cancel

    John
    24 Jul 2015 | 11:20 am
    If you or a family member moves their residence, even temporarily, to a location outside the U.S. for work, study or simply to live, the move will result in your U.S. health insurance policy being cancelled.  And it’s your responsibility to tell the carrier. Here is an example of what you will find written in a U.S. health insurance policies regarding moving outside of the plan service area: “The Subscriber is responsible to notify us of any changes that will affect his or her eligibility or that of Dependents for services or benefits under this Agreement. We must be notified of…
  • Does Group Health or Work Comp cover your International Employees?

    John
    23 Jul 2015 | 11:50 am
    Does your group health or workers compensation policy provide “adequate” coverage while you or your employees are working, living or traveling abroad … most likely not.  What if both refuse to pay a claim?  Who’s responsible now, the employee or employer? Group health and workers compensation work very well while in the States, but once you leave the U.S. border, both policies change dramatically. Workers Compensation extends coverage to employees who are temporarily outside the U.S.  The term “temporarily outside” is not defined in the policy and is…
  • Cigna Group Medical International Health Insurance

    John
    23 Jul 2015 | 11:25 am
    Cigna Global offers several Group Health options for Employers with International and Multi-national employees. You Expect the best from your employees on assignment in another country.  And they expect the same from you.  That’s where Cigna Global Health insurance for employees on international assignment for more than six months.  Cigna offers the high-level coverage they expect … and then some. You have employee expatriates and third country nationals working in other countries. You want them to have easy access to quality health care around the world.  Cigna Global…
  • Malaria and the International Traveler

    John
    23 Jul 2015 | 10:35 am
    Do you know if your destination country has Malaria?  Have you taken the preventive medicines or are you going to? Since 2000 there has been a 25% decrease in mortality rate worldwide, still much needs to be done to eradicate the infections. From an international travel perspective, counterfeit malaria medications, growing mosquito resistance to some antimalarial medications – particularly in border areas of Vietnam, Myanmar, Cambodia, and Laos – and the presence of malaria in new or previously eradicated areas like Greece, continue to be a concern. What Countries have a Malaria risk: …
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    Q4intelligence

  • Put the Right People in the Right Seats to Catapult Your Business

    Kevin Trokey
    27 Jul 2015 | 1:00 am
    This is the fourth in a series of blog posts inspired by a conversation I had via webinar with Brett Rosen, VP of Mergers & Acquisition at Digital Insurance. During our conversation we discussed the “5 Surefire Ways to Catapult Your Benefits Business”. _________________________________________________________________________________ One of the most self-damning aspects of the insurance industry is that the financial reward for mediocrity has been too high. It has allowed us to succeed, often times in spite of ourselves and without a focus on growth. That’s changed. Growth is no…
  • To Save an Industry – We Need YOU!!

    Kevin Trokey
    20 Jul 2015 | 1:00 am
    How many of you grew up with the dream of getting into insurance? When I ask that question in a room full of industry professionals, there is rarely more than a hand or two that goes up. So, if you didn’t intentionally pursue insurance as a career, what is it that has kept you here? I’m guessing it’s the rewards that come from working in the insurance industry; the potential for a great income, good work/life balance, a nice working environment, etc. However, as nice as those things are, I believe they pale in comparison to two additional reasons. The first is the fact that virtually…
  • What If You Did What You Knew You Needed To Do?

    Wendy Keneipp
    6 Jul 2015 | 1:00 am
    Seem like a silly question? Of course you do what you know needs to be done. But really, think about it for a minute. You know you need to exercise, but do you always do it? You know you need to coach with your team, but do you always do it? You know you need to fire under-performers, but do you always do it? I’m guessing for most of you the answer is “Well, sometimes… Okay, not as often as I need to.” And I’m guessing this because we hear this answer every day. When we talk to agencies we really dig into their business. We ask questions that sometimes make people uncomfortable…
  • Zenefits’ Battle with ADP Provides 2 Lessons and a Warning

    Kevin Trokey
    29 Jun 2015 | 1:00 am
    (Hey) Ding Dong, the witch is NOT dead. As I read the back and forth between Zenefits and ADP, I can almost hear an industry breathing a sigh of relief. Many of you may think this marks the beginning of the end for Zenefits. I don’t think so; they have $500,000,000 worth of pressure to get it right. Other brokers may not be carrying the weight of $500,000,000 of other people’s money on their back, but the weight of your own business’s survival likely feels just as heavy. Regardless of the final Zenefits/ADP outcome, there are lessons to be learned and warnings to be heeded. Be careful…
  • What Makes A Really Great Week

    Wendy Keneipp
    22 Jun 2015 | 12:37 pm
    For us, what makes a really great week is very clear: client success and breakthroughs. Yes, of course we celebrate when we get word that we’re bringing a new client into the network. But even at that, we’re excited about the new client because we know we can help them build a better, stronger business and that they’ll be a valuable addition to our network of agencies all striving toward a vision of greatness. This last week was a really great week for us. “Getting it” We recently we took a group of clients through sales training and they really “got it.” That’s important…
 
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    Insurance

  • 5 Classic Ways To Have Fun

    Fran Shaw
    22 Jul 2015 | 6:50 am
    Summer will be gone before you know it, get outside with friends and family and have some fun! It’s hard to imagine a time where games weren’t on a touch screen surface, where conversations weren’t over text, and socializing didn’t involve social media accounts. Maybe you’re tired of watching your kids invest so much time in their electronics or maybe you’re the one that needs to unplug. Whatever the case may be, Miller’s is interested in bringing back tradition. Below are a few things to keep your family happy and busy, and none of them require a…
  • Planning For Retirement 101 – Get The Facts

    Fran Shaw
    14 Jul 2015 | 11:15 am
      Get The Facts    Early bird specials, cocktails by the shore, sleeping in, and a free schedule are    benefits of the life of a retiree! Can you imagine a time when you no longer have to work for a living? When the only thing on your to-do list is to soak up the sun and visit your grandkids? If this is the life you’re looking forward to, let’s be sure that your preparing properly to ensure this dream can become a reality!   WHERE DO I START? It’s no surprise that retirement is expensive, but what is surprising is how many people fail to…
  • Ridesharing FAQ’s- Are You Covered?

    Fran Shaw
    8 Jul 2015 | 9:40 am
    We received this helpful article from Trusted Choice regarding ridesharing passengers and drivers: Thinking of getting a “Lyft” from a ridesharing service?  Make sure you’re covered if you get hurt as a passenger. Ridesharing is becoming more common around the state and the nation, particularly in large cities. Capitalizing on the new “sharing economy” and to a certain extent the coolness factor, this simple concept is thriving.  Passengers, however, are generally not aware of the insurance implications, and that their driver’s insurance may not…
  • Local Events for July 2015

    Fran Shaw
    30 Jun 2015 | 1:39 pm
    7/2  Swingin’ Summer Thursday in West Chester Join us in downtown West Chester from 6:30 PM – 9:30 PM for the Swingin’ Summer Thursday festival!  You can expect delicious food from local restaurants and vendors, live music, and entertainment for all ages.  Be sure to look for the Miller’s tent to get your beach balls and other goodies! 7/3, 7/4, 7/5 Chaddsford Winery Red, White & BBQ Celebrate the 4th of July all weekend long at the beautiful Chaddsford Winery.  You can enjoy BBQ food, live music, and of course- wine! No entrance fee for this…
  • Affordable Dental & Vision Coverage! Keep your teeth and eyes healthy!

    Fran Shaw
    30 Jun 2015 | 5:44 am
    Did You Know? Nearly 75 percent of American adults suffer from various forms of periodontal (gum) disease and don’t know it. Gum disease has been linked to life-threatening diseases such as oral cancer, heart disease, diabetes and respiratory ailments. 50% of Americans do not receive regular oral health care. Approximately 14 million individuals aged 12 years and older have visual impairment, among which more than 80% could be corrected to good vision with refractive correction. An estimated 61 million adults in the United States are at high risk for serious vision loss, but only half…
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    Blog

  • Maybe It's Time to Phase Out Jeb: Winners and Losers of the Week

    28 Jul 2015 | 9:00 am
    In our regular weekly feature, we’ll be taking a look at the winners and losers of the week in the struggle for the rights of working families. The winners will be the persons or organizations that go above and beyond to expand or protect the rights of working families, while the losers will be whoever went above and beyond to limit or deny those rights.
  • Trumka Calls on Congress to Cancel Early Recess

    28 Jul 2015 | 7:00 am
    AFL-CIO President Richard Trumka released the following statement in response to the House Republican leadership's decision to go on recess.
  • What Union Members Are Doing This Week

    27 Jul 2015 | 9:00 am
    Welcome to our regular feature, a look at what the various AFL-CIO unions and other working family organizations are doing around the country and beyond. The labor movement is big and active—here's a look at the broad range of activities we're engaged in this week.
  • With Malaysia Upgrade, Administration Puts TPP Agenda Ahead of Trafficking Victims and Workers' Rights

    27 Jul 2015 | 7:00 am
    Today, the Obama administration made the disastrous decision to upgrade Malaysia—a major player in the secretive Trans-Pacific Partnership (TPP) Free Trade Agreement—on its annual Trafficking in Persons report. This clearly political decision undermines the credibility of important anti-trafficking efforts and underscores the fact that the Obama administration is willing to pursue its anti-worker trade agenda at all costs. It is also yet another sign that the TPP will only continue a global race to the bottom in wages and working conditions. 
  • IMF: Unionization, Higher Wages Reduce Income Inequality

    26 Jul 2015 | 6:00 am
    The notion that unionization and higher wages decrease income inequality is a fundamental premise of the AFL-CIO's Solidarity Center and our allies. But now a surprising source has reached the same conclusion: the International Monetary Fund (IMF).
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    Car Insurance Comparison

  • Can a bank repo a car for no insurance?

    Ashley Jimeno
    28 Jul 2015 | 1:00 pm
    Cars are linked to almost everything in the life of Americans. They are used for transportation to work, to shopping, to kids’ activities, and to school. For that reason most of us incur debt to purchase dependable transportation for ourselves. Start comparing car insurance rates now by using our FREE tool below! Multiplicities of organizations lend money for the purchase and lease of automobiles. You can acquire a loan from: Banks Credit Unions Automobile dealers Auto lending companies As a wise consumer, you usually go to several of these institutions to obtain the best prices for…
  • What is a third party claim in car insurance

    Ashley Jimeno
    27 Jul 2015 | 1:00 pm
    A basic car insurance policy provides a vehicle owner and drivers in their household with a limited amount of protection if a third-party claim is filed. While a majority of vehicle owners in the United States comply with their state’s financial responsibility or mandatory auto insurance laws, a large percentage of these policyholders do not really understand how their insurance works or what their policy actually covers. With this lack of understanding comes a lot of confusion when it is time to file a claim. Since more half of Americans do not know basic facts about auto insurance, it…
  • When will insurance write off a car?

    Ashley Jimeno
    24 Jul 2015 | 1:00 pm
    Many people assume that a vehicle is deemed a total loss only after it is involved in a serious accident. While cars are written off all of the time due to serious accidents, some insurers will total out a car even if the damages appear to be minor. No matter how confusing it might be, there is a formula that insurers will use to ultimately decide if totaling a vehicle is appropriate. If you are looking for a policy, start comparing car insurance rates now by using our FREE tool below! There are several different factors that must be considered before an insurance company writes off a covered…
  • Is a scratch worth claiming on my car insurance?

    Ashley Jimeno
    23 Jul 2015 | 1:00 pm
    You pay for car insurance to use it when you need to file a claim. Unfortunately, choosing to file a claim can lead to rate hikes that increase the cost of your monthly payments. While the rate hike is understandable when you have a catastrophic at-fault loss, filing a claim for minor damage may end up becoming an expensive mistake. Whether or not filing the claim is wise will depend upon how the damage was sustained, how much the damage costs to repair, and how the claim will affect your policy in the long run. If you are in the market for a policy, start comparing car insurance rates now by…
  • How does the black box in your car help insurance rates?

    Ashley Jimeno
    22 Jul 2015 | 1:00 pm
    A black box. While many use the term to describe a flight recorder, a black box is an intelligent and complex device that records information that the user cannot modify. Since the black box is capable of holding important information, insurance companies are not implementing new programs that give their customers the option to have a special ‘black box’ installed in their car in an effort to lower their rates. This tiny little electronic device can finally show the insurer that you are a safe driver and a ‘good risk’. The insurance marketplace is a truly complex one…
 
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    IFAwebnews.com | P/C insurance

  • Foreign insurers take cautious look at Iran after nuclear arms deal

    IFAwebnews Staff
    27 Jul 2015 | 7:46 am
    Western and Middle East insurance specialists see Iran as an appealing $8 billion market in the wake of its nuclear deal with world powers, though uncertainty over when sanctions on Tehran will be lifted means they are treating the country with caution. Eight out of 11 insurance and reinsurance specialists who responded to questions emailed by Reuters said Iran was an attractive or very attractive market, especially in the marine and energy sectors. Responses were on an anonymous basis due to the sensitivity of the issue. While several said they expected to have entered the Iranian market by…
  • P&C insurance industry faces threat from changing value proposition: Conning

    IFAwebnews Staff
    24 Jul 2015 | 9:16 am
    The property & casualty insurance industry faces unprecedented challenges including alternative capital, changing technology, emerging risks and a decline in the relevance of the industry’s traditional products, according to a new study by Conning. The study, “Innovation in Property-Casualty Insurance: Responding to a Changing Value Proposition,” warns that, if the P&C industry doesn’t respond now, it will face a future of diminished relevance. “The value proposition of the insurance industry rests on the two foundations of managing information about risk and…
  • UPCIC approved to write coverage in Virginia

    IFAwebnews Staff
    24 Jul 2015 | 8:59 am
    Universal Property & Casualty Insurance Company (UPCIC) received a certificate of authority from the Virginia State Corporation Commission approving UPCIC as a licensed insurance entity in Virginia. UPCIC is one of the largest writers of homeowners insurance in its home state of Florida. Virginia is the 13th state in which UPCIC is now licensed, which includes Delaware, Georgia, Hawaii, Indiana, Maryland, Massachusetts, Michigan, Minnesota, North Carolina, Pennsylvania and South Carolina. UPCIC is a subsidiary of Universal Insurance Holdings Inc., based in Fort Lauderdale, Fla. UPCIC…
  • NGM introduces expanded workers’ compensation program in Virginia

    IFAwebnews Staff
    23 Jul 2015 | 3:16 am
    The Main Street America Group’s NGM Insurance Company has introduced an expanded workers’ compensation program in Virginia via its network of independent insurance agents throughout the commonwealth. “The expanded pricing levels in Virginia, available through our additional writing companies, enables us to more precisely match risk to rate and offer our customers more attractive rates on preferred business,” said Dan Gaynor, Main Street America’s vice president and head of commercial lines. “These new options also open our workers’ compensation market to a broader mix of…
  • N.Y.’s Utica First to exit ‘Write Your Own’ flood insurance program

    IFAwebnews Staff
    22 Jul 2015 | 8:16 am
    Utica First Insurance Company, based in Oriskany, N.Y., has sent notices to its independent agency partners insurer will withdraw from the Write Your Own (WYO) Program, a cooperative program of the insurance industry and the Federal Emergency Management Agency’s (FEMA) National Flood Insurance Program (NFIP). “After 20+ years of providing flood insurance under the NFIP Write-Your-Own program, we have made the decision to discontinue participation effective Aug 1, 2015,” the company wrote in a notice sent to agencies. According to Utica First’s notice, agents will see a seamless…
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    Insure Life Surpasses Your Expectations

  • Independent Life Insurance Policy Review - Potential Outcomes

    15 Jul 2015 | 2:33 pm
    Many of my consulting engagements involve exploring options for existing permanent life insurance policies. Some clients contact me for a second opinion or independent evaluation when an agent is proposing new life insurance coverage, while others want to better understand what they own without new sales pressure.  There are generally five potential outcomes of my life insurance evaluations that meet the goals and objectives of the policyowner:Stay the Course – Make no changes to the plan. This outcome is generally recommended when the policy is performing as well or better than…
  • Does the Proposed U.S. Department of Labor Fiduciary Regulations Create Complications for Life Insurance Planning?

    31 May 2015 | 12:10 pm
    The Department of Labor (DOL) recently proposed a change to the definition of “fiduciary” under the Employee Retirement Income Security Act (ERISA). The proposed changes expand who will be deemed to be acting in a fiduciary capacity, as well as the obligations to comply with the new rules. This proposal continues, but does not resolve, the debate of when financial professionals are subject to the more stringent fiduciary rule as opposed to the less stringent suitability standards for consumers. A fiduciary duty is the highest standard of care, and requires the fiduciary to act in the best…
  • Are you getting a good price on your life insurance?

    19 Apr 2015 | 11:03 am
    In today’s marketplace, consumers are searching for the most value when making purchasing decisions.  Generally, value is derived from cost and quality.  Unfortunately, many consumers equate value to the price paid for the good or service. This is particularly true for many agents and consumers in the life insurance industry.For permanent life insurance, the actual long term cost of owning the policy may be substantially different than what is shown on the illustration used to make the purchasing decision.  Life insurance policies are based on a variety of assumptions, and…
  • Life Insurance - Lessons Learned from Rafert v. Meyer

    15 Mar 2015 | 10:40 am
    This blog entry will focus on the lessons learned from a recently failed life insurance plan as reviewed in a recent Nebraska Supreme Court case summary. In this case, Jlee Rafert purchased three trust owned life insurance policies in March 2009 with a total death benefit of approximately $8.5 million and an initial total premium over $250K. Her attorney, Robert J. Meyer, prepared the irrevocable trust and was also named trustee.Unknown to Jlee Rafert or the trust beneficiaries until August 2012, the policies lapsed in 2010 due to nonpayment of premiums. Rafert and her daughters sued Meyer…
  • Life Insurance Benefits Vary by Stakeholder Group

    4 Jan 2015 | 6:28 pm
    In previous blog entries, I have reviewed many of the potential benefits of life insurance products, and the importance of having a plan in place to help achieve and maximize potential outcomes.  In this entry, I will review how varying stakeholder objectives may influence the realization of life insurance benefits.  The decision to purchase life insurance typically involves a long term financial commitment.  Before committing substantial financial resources to purchase life insurance products, it is worthwhile for stakeholders to take the necessary time to understand and…
 
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    Insurance Forum

  • Anyone Still Mail with JenMarco or Others?

    emptyeternity
    28 Jul 2015 | 11:44 am
    Tried Lead Connections, found out if you mail final expense leads you can basically lock down a county for Medicare too (kinda lame), so you can't mail anything there... Anyone still using Jen Marco, Kramer, or others for their Medicare DM?
  • Proof You Can Write in the Field and Post on the Forum

    John Galt
    28 Jul 2015 | 11:42 am
    Hanging with Gooner, up with $1600 before noon, drank a beer with lunch, 2 appts left, life is good!! :)
  • Primatech Marketing Experience

    Shawnmorris
    28 Jul 2015 | 10:44 am
    Primatech's leads are great, very high quality, but their poor communication skills make working with them a challenge. When we placed our first order in early April, weeks passed before we got the first lead. But when we were finally up and running, they came in quite regularly. They were fair in working out a deal with us for the long wait as well, allowing us to apply a discount to the order they were late in running. We really appreciated that. They also have a more than fair lead replacement arrangement, whereby we made a list of leads to replace based on the criteria they indicated,…
  • Child Health Coverage

    jimmyruss
    28 Jul 2015 | 10:30 am
    I am retired and my old employer is covering my health needs until I reach 65. My wife has been covering our two kids, one 24 and the other 19 but will be retiring also in oct. 2015 and will only be covered herself by her employer until she is 65. That will leave no insurance coverage for my two unemployed, living at home kids. Could someone offer some recommendations in getting coverage for our kids? thanks
  • Help with a Quote in NC

    capnjim01
    28 Jul 2015 | 10:21 am
    I need a quote for a 64yr old male non smoker, $10,000 face. Has high blood pressure and had a TIA 3 years ago with no impairment. Blood pressure is under good control with meds. Can any one help me out in North Carolina?
 
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    McCormick Insurance Solutions, Auto Insurance, Home Insurance, Surety Bonds

  • Drive Your San Diego Auto Insurance Premiums Into Your Pocket

    MccormickInsure
    14 Jul 2015 | 9:03 am
    San Diego Auto Insurance As an independent agent we can shop many San Diego auto insurance companies and bring you the best possible combination of price, coverage, and service. There are a number of things that we consider to help you get the best auto insurance for your needs. Taking advantage of low mileage drivers — Some auto insurance companies will give discounts if you drive less than a certain number of miles or drive less than a certain distance to work. Your vehicle will also determine your overall insurance costs — Some cars are more inviting for thieves, and some cars…
  • Common San Diego Home Insurance Pitfalls

    MccormickInsure
    7 Jul 2015 | 1:00 pm
    San Diego Home insurance Owning a home is one of the most important investments you can make. As your family grows, your needs will change as well as your risk. We think it is very important to review your San Diego home insurance program every year to make sure it still meets your needs. Compared with investment decisions and estate planning issues, perhaps questions about the language in your homeowner’s policy may seem hardly worth considering. Yet the more successful you become, the more complicated your asset-protection needs are likely to be, and the more you have to lose. Gaps in San…
  • Did You know Your San Diego Homeowner’s Insurance Will Not Cover These Items?

    MccormickInsure
    17 Jun 2015 | 8:49 am
    San Diego Homeowner’s Insurance One of the most important financial decisions you will make is insuring your home. This important decision can’t be done on the internet in 7 minutes, because your home can go up in flames in less than 10 minutes and you might be left with a large un-insured loss. When most people think of damage to their home, they tend to think of fire or theft. Well, there are many other kinds of accidents and situations for which you can be liable that are not covered under most San Diego homeowner’s insurance policies. In Home Business Activities If you run an…
  • The Latest Trends In San Diego Auto Liability

    MccormickInsure
    10 Jun 2015 | 8:49 am
    Why You Need San Diego Auto Insurance Ok, we all know driving can be dangerous, but here are the latest statistics from the auto insurance carriers. You buy San Diego auto insurance to protect yourself and or your business when you have an accident or claim.  When something bad happens you want your San Diego auto insurance company to respond. When it comes to auto insurance, knowledge is power. Here Are Some Facts To Help Educate You About San Diego Auto Insurance. Motorcycle accidents have increased over the past five years. Auto fatalities are up 3.3%. Distracted drivers cause 1 in 4…
  • A New Way to Buy San Diego Insurance

    MccormickInsure
    13 May 2015 | 9:55 am
    San Diego Personal Insurance Congratulations! You got past the title and are now embarking on a new way to look at the San Diego insurance buying process. Over the next few months we would like to offer you an alternative way to think about insurance that will change your purchasing experience. We will start with a few basic truths that we believe in. We will share these truths in greater detail over the next few articles. Insurance is a service not a commodity. You can never get the right personal insurance for you needs online in 7 minutes. There is more to insurance than a policy.
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    Property Casualty Insurance Blog

  • Property-specific data enhances flood risk management

    Raulina Wojtkiewicz
    28 Jul 2015 | 6:00 am
    Inland flooding poses an extremely high risk to homes and businesses both on and off the floodplain. It can last for days or weeks, and even a few inches of water can potentially cause extensive losses to buildings and their contents. You can often manage flood risk in a variety of ways. At the most basic level, insurers typically determine if a property is located on a floodplain. More sophisticated risk management techniques may use catastrophe modeling to develop underwriting rules based on the location and characteristics of the property. Any insurer with a portfolio of properties exposed…
  • New At-Fault Auto Insurance Requirements for California

    John Cantwell
    22 Jul 2015 | 10:53 am
    The California Department of Insurance (DOI) has provided updated information regarding its California Code of Regulations, 10 CCR § 2632.13(f)(2)(A). The DOI’s position is that insurers evaluating a driver with a previous claims history cannot rely on at-fault determinations in claims history reports unless they take specific steps. For insurers that provide required accident data to an exchange and rely on reports from an exchange that provides fully compliant reports: As of January 1, 2016, insurers will be allowed to rely on such loss underwriting exchange reports without an obligation…
  • Are you ready for the PCS Catastrophe Code Format Modification?

    Ted Gregory
    22 Jul 2015 | 4:00 am
    PCS is committed to serving the insurance industry with the highest levels of customer service. That’s why we want to make sure our customers are prepared for January 1, 2016, when we will modify the format of our catastrophe serial numbers from a two-digit code to a four-digit code. We want to make sure all our customers have the full facts about the transition, so we’ve prepared a FAQ to clear up some questions on the modification. The FAQ will provide answers to: What is changing in the Cat code format? Why is it changing? When will the four-digit code be implemented? How will the…
  • Reconstruction costs continue to rise for Q3 2015, but at a slower pace than last quarter

    Michael Gannon
    21 Jul 2015 | 8:24 am
    Across the United States, reconstruction costs continued to rise from July 2014 to July 2015, but at a slower rate than experienced in April. At the state level, reconstruction costs in 43 states and Washington, D.C., increased more than 4 percent. Compare this with the Q2 2015 update when 44 states and Washington, D.C., saw an increase greater than 5 percent and no state had less than a 4 percent increase. Reconstruction costs are a key factor in estimating replacement costs used to determine policy coverage limits. Virtually all the labor and materials costs tracked for the 360Value…
  • ISO Leaders Travel Across United States and Atlantic Ocean to Share Insights

    Anne Marie Connell
    20 Jul 2015 | 7:39 am
    ISO leaders have been traveling across the United States and the Atlantic Ocean in recent months to speak about some of the top issues facing the insurance industry. On June 23, Beth Fitzgerald, president of ISO Insurance Programs and Analytic Services, led a panel discussion about the future of insurance data and analytics at the Verisk London 2015 Risk Symposium. The panel featured top UK insurance executives, and explored some of the ways that predictive analytics may evolve in the future. On June 11, ISO executives visited Columbus, Ohio, to host our second User Conference of the year.
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    WRIN.tv

  • In connected age, social media supports insurance sales to “professional vetters”

    John Greene
    8 Jul 2015 | 9:26 am
    In this edition of ACORD Tech Talk, host Johnell Johnson welcomes back the Managing Editor of Agency Nation, Ryan Hanley to discuss how social media can support the four stages of insurance sales. According to Mr. Hanley, traditional selling included interrupting the life of “unconnected generation consumer” with a commercial ad or phone call.  But efforts [...] The post In connected age, social media supports insurance sales to “professional vetters” appeared first on WRIN.tv.
  • A.M. Best concerned about competition and reinvestment risk in U.S. Life and Health market

    John Greene
    6 Jul 2015 | 9:42 am
    In highlights from A.M. Best’s First Monday series, A.M. Best Senior Financial Analyst Thomas Zitelli and Financial Analyst Frank Walko discuss how the U.S. Life/Health insurance market performed in 2014, exploring positive retirement market trends amid interest rate and reinvestment risks. While the Life/Health industry demonstrated the ability to handle its business very well during [...] The post A.M. Best concerned about competition and reinvestment risk in U.S. Life and Health market appeared first on WRIN.tv.
  • Blue Marble Microinsurance leads industry consortium to develop risk protection in developing world

    Kenneth Simon
    1 Jul 2015 | 5:59 pm
    Blue Marble Microinsurance (formerly Microinsurance Consortium and Venture Incubator) was established during the World Economic Forum in January 2015 to provide insurance and risk protection in developing countries. WRIN.tv spoke with Blue Marble CEO Joan Lamm-Tennant during the IIS Global Insurance Forum at the United Nations, about microinsurance, the problems it can address, and where [...] The post Blue Marble Microinsurance leads industry consortium to develop risk protection in developing world appeared first on WRIN.tv.
  • KPMG Head of Insurance believes public-private partnerships can help close huge protection gap

    Kenneth Simon
    30 Jun 2015 | 8:20 am
      The importance of Public-Private Partnerships (PPP) was a key theme at the Global Insurance Forum. Here, Gary Reader, Global Head of Insurance at KPMG, discusses developments in PPPs, and the importance of collaboration between industry and governments. According to Mr. Reader, there are many issues facing governments today, including climate change, resiliency of infrastructure, [...] The post KPMG Head of Insurance believes public-private partnerships can help close huge protection gap appeared first on WRIN.tv.
  • Global CommFrame is a noble goal, but consistent, sensible insurance regulation is critical

    Kenneth Simon
    29 Jun 2015 | 6:23 pm
    James Vickers, Chairman of Willis Re International & Specialty, speaks with WRIN.tv during the 2015 IIS Global Insurance Forum on the impact of regulation, Solvency II equivalency and CommFrame. Mr. Vickers sees Solvency II equivalency as helpful for a number of regimes. He believes regulation is necessary, but commonality will make the load lighter. Mr. [...] The post Global CommFrame is a noble goal, but consistent, sensible insurance regulation is critical appeared first on WRIN.tv.
 
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    SelectNews Blog

  • How To Lower Your Homeowners Insurance Premium

    SelectQuote
    23 Jul 2015 | 12:05 pm
    With all the airtime allotted to commercials touting auto insurance savings, it’s easy to lose sight of homeowners insurance. But despite the lack of PR, there are as many ways to save on your homeowners insurance as there are to save on your car insurance. Follow these four tips, and you could save hundreds of dollars a year on your homeowners insurance premium. Insure your house, not your land. Let’s say the market value of your house is $250,000. If you’re like most people, you’ll want to buy a homeowners insurance policy to cover that entire amount. But doing so could…
  • What Does Life Insurance Cover?

    SelectQuote
    16 Jul 2015 | 9:47 am
    SelectQuote agent Joy Waller tells us a little bit about herself and addresses the frequently asked question of what life insurance covers. Joy, how long have you been a SelectQuote agent? Seven years this past May. What’s your favorite thing about being a SelectQuote agent? The moment when a client’s policy is activated! Because we work with multiple carriers at SelectQuote, I’m always able to give my clients a choice of rates – which is a great feeling. What does life insurance cover? Life insurance covers your most precious assets when you no longer can. How…
  • Make Your Summer Count

    SelectQuote
    9 Jul 2015 | 11:46 am
    Summer is in full swing, and for many of us, that means having more time on our hands than usual. While getting away with family and friends is a great way to spend those summer Fridays, long weekends and weeks off that you have planned, there’s another way to put all that downtime to good use: volunteering. Can Helping Others Help You? Yes! Not only does volunteering positively impact others, it can change your own life for the better. Being of service to an organization, a person or an animal has been proven to stave off depression, and good mental health can have a wealth of positive…
  • Have A Safe Fourth!

    SelectQuote
    2 Jul 2015 | 8:20 am
    As anyone with kids knows, few holidays offer as much excitement for the entire family as the Fourth of July. Unfortunately, what makes this holiday so much fun also makes it one of the most dangerous days of the year. Between the fireworks, swimming and hot summer weather, there are plenty of opportunities to sustain serious injuries. The following tips from the American Red Cross will help keep your Independence Day independent from injuries. Be extra cautious around fireworks. The safest way to enjoy fireworks is to attend a public fireworks show organized by your local fire department. If…
  • What To Expect From Your Life Insurance Medical Exam

    SelectQuote
    25 Jun 2015 | 9:54 am
    As part of the life insurance application process, most insurance companies require you to have a medical examination. While this may sound time-consuming and costly, it’s actually neither. Most insurance exams only take around 15-20 minutes, and you won’t have to account for travel time since the paramedic or doctor who conducts the exam will come to your home or office – whichever is most convenient for you. As for the cost, there is none – the insurance provider pays for everything! What To Expect Here are the basics that your medical exam will cover: A review of your…
 
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    Shift Insurance Blog

  • The Definitive Guide to Car Insurance

    2 Jul 2015 | 10:29 pm
    What you’ll discover in this report: Insider secrets about how insurance companies price your insurance: click here How not to get ripped off when you do buy protection: click here How much to buy...how much not to buy: click here Little known facts about the different kinds of insurance in a standard auto policy: click here Who’s really covered...who’s not!: click here When is your car covered for business use: click here How do you get the most for your money?: click here Straight answers to the nagging questions about Rental Car…
  • 7 Sin’s Car Insurance Buyers Make

    24 Jun 2015 | 12:54 pm
    So you’re shopping around for auto insurance. What do you need to know? Well, there are lots of ways – at least 7– that you can save money. Many of these money-saving ideas may apply to you. 1. You Insurer Your Home With A Different Agent – Do you have a homeowners or renters insurance policy? If so, is it with the same insurance company that provides your auto insurance? If the answer is no, you’re paying too much – for both policies. Almost every insurance company that sells auto insurance wants its policyholders to also buy homeowners or renters…
  • How to Minimize the Cost of a New Driver

    6 May 2015 | 10:22 am
    Young drivers are expensive to insure. Such drivers, particularly teenagers, frequently cause traffic accidents because of their lack of experience and because, due to their youth, they tend to be distracted, risky drivers. If your household is about to add a new driver, make sure that he or she understands that, besides endangering themselves and others, poor driving habits can result in higher premiums or a canceled policy. Here are some methods to help minimize the cost of a new driver: Have your child complete a driver training class. The class’ cost is easily offset by lower…
  • Breaking Down California's Good Driver Discount

    14 Apr 2015 | 11:03 am
    If you think you're paying a lot for car insurance here in California, you're not mistaken.  Unfortunately, a recent study shows that California's auto insurance rates are some of the highest in the country.  On average, they're actually over 50% higher than the rates in neighboring states Oregon and Nevada! Fortunately, though, it IS possible to give your wallet some relief.  All you need to do is tap into the power of California's Good Driver Discount! No matter which car insurance company you get a policy from, you can take advantage of this discount.  That's because…
  • 6 Things That Will Determine Your Commercial Auto Insurance Premiums

    23 Mar 2015 | 11:58 am
    Commercial auto insurance works a little bit differently from its personal counterpart.  After all, when you drive for work, you probably spend more time in the car, head to places you wouldn't go in your personal time, and you may even drive vehicles that you wouldn't drive in your off-time -- like cargo vans, delivery trucks, etc.  And, when you drive a commercial vehicle, you're putting the entire company at risk of a lawsuit if something goes wrong. Bottom line -- there are different risks involved with driving a commercial vehicle.  And when you're talking about insurance,…
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    The trading forex

  • Gold Plummets for 5th Consecutive Week- Price at Support Ahead of Fed

    admin
    28 Jul 2015 | 11:11 am
    Gold Plummets for 5th Consecutive Week- Price at Support Ahead of Fed Gold prices plummeted for a fifth consecutive week with the precious metal down nearly 4.3% to trade at 1085 ahead of the New York close on Friday. The sharpest move for bullion came early in the session after prices broke below key support last week … Read more on DailyFX Is EURUSD Repeating a pre-euro Trading Pattern? -“The tightening range since the May high could compose a triangle within a larger advance from the March low.” A broader range does of course remain possible but with EURUSD breaking support this…
  • Lastest Daily Forex Signals News

    admin
    28 Jul 2015 | 12:12 am
    NZDJPY Fires Off Sell Signal July 23 2015 While most Forex traders do not trade the New Zealand dollar in relation to agricultural commodity such as milk and cattle, the reality is most of us will trade it in relation to overall “attitude” of commodity markets. In this sense, even oil can have … Read more on DailyForex.com FX Reversals: GBPUSD Daily Range In the event that prices breakout beyond today's range, traders can begin looking for a continuation of the current daily downtrend below the S4 pivot at a price of 1.5508. This would signal a new lower low, in the direction of…
  • Gold Steadies After Asia Sell-off But Still Vulnerable

    admin
    27 Jul 2015 | 11:07 am
    Gold Steadies After Asia Sell-off But Still Vulnerable Copper gained during Asia morning after hitting a two-week low in yesterday's trade. The summer corporate slumber leaves commodity prices vulnerable to macro developments. Copper has suffered from the strength in US dollar and Shanghai brokers are … Read more on Inside Futures Bunker Holding buys LQM "LQM is one of the largest international marine fuel oil brokers who handles about 10mt per year across ~250 customers worldwide," Bunker Holding said. "It has a strong presence in the US with offices in New…
  • Lastest Forex Basics News

    admin
    27 Jul 2015 | 12:15 am
    EURUSD Can Decline Towards 1.1050 – Elliott Wave Analysis The EUR is falling while the USD is trading higher after the recent turn down on gold and bullish swings on stocks. We expect more downside on EURUSD this week as we see more gains coming on the DAX which is also supportive for bunds. Notice that the … Read more on Forex Crunch FOMC's Powell talks about a September liftoff – USD lifts off Jerome Powell says that if he sees stronger growth (among other goals), the September meeting would be ideal for a lift off. The USD responds positively and rises –…
  • Forex Trading Leverage – How Much is Too Much?

    admin
    26 Jul 2015 | 12:12 am
    Forex Trading Leverage – How Much is Too Much? FX “promoters” (or in many instances, hucksters) boldly advocate a principal advantage of FX trading being that you can trade on up to 50:1 leverage and that this enables you to make a lot of money, very quickly. The promoter (and a review of the … Read more on Nasdaq How Flexible Spending Accounts Work It's as simple as providing some basic information and deciding how much you want to contribute for the year. … Haney also advises scheduling elective procedures at the beginning of the year, if you want to use FSA funds to…
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    Insurance Blog | Insurance News & Articles | Quoteline Direct

  • Tailgating: Keep calm and carry on

    qldb_admin
    22 Jul 2015 | 9:52 am
    It won’t surprise most motorists to read that tailgating is the single biggest cause of road rage. Tailgating isn’t just antisocial it’s also dangerous, and despite recent legislation allowing police to issue on-the-spot fines for careless driving, it’s still alarmingly common. If someone’s getting too close remember the following: People in glass houses A survey by leading road safety charity BRAKE found that six in ten motorists admitted to driving too close to the vehicle in front. Reasons for breaking the ‘two second rule’ varied from daydreaming and driver distraction to…
  • Eating while driving banned in France

    qldb_admin
    15 Jul 2015 | 1:30 am
    In the UK you wouldn’t think twice about having a sneaky snack behind the wheel, but motorists in France can now be fined £50 on-the-spot for eating while driving. The legislation has been welcomed by road safety campaigners who hope the new laws will eventually make their way across the channel. There’s no doubt that eating can cause drivers to take their eyes off the road, and sadly stories of crashes caused by distracted drivers are never far from the headlines. Road safety charity BRAKE has applauded the measures saying they “send a really clear message that eating while…
  • A Month in Headlines: Insurance News Round-up

    qldb_admin
    13 Jul 2015 | 8:13 am
    The insurance experts at Quoteline Direct look at interesting insurance stories that have hit the headlines in the past 30 days: If you’re visiting Greece make sure you’ve got the right travel insurance Greece’s economic woes are dominating business in Brussels and the headlines across Europe. With a question mark hanging over Greece’s future in the EU, and possible banking collapse, holidaymakers are taking more cash on their travels. If you’re planning a summer break in Greece it’s worth checking your insurance to make sure you’re covered for cash before jetting off, and…
  • Tips for finding cheaper taxi insurance

    qldb_admin
    8 Jul 2015 | 9:48 am
    As a taxi driver it’s important to look after your bottom line and that means finding the right insurance. However, just because you want your cab completely covered; it doesn’t mean you have to pay sky high premiums. Follow our practical tips to help cut the cost of your taxi insurance: Build-up no claims discount Careful drivers can earn serious discounts for claim free driving. After a year you can expect to cut premiums by 20% and after five years you could save as much as 60% on insurance costs. Short Term Cover Some Insurers offer monthly ‘pay as you go’ policies which allow…
  • The Great Escape: Is your home insured while you’re away?

    qldb_admin
    1 Jul 2015 | 8:43 am
      Holidaymakers are being urged to make sure they have home insurance before jetting off to the sun. If you’re planning a summer break you’ve probably thought about travel insurance, but what about making sure that your home is insured while you are away? July is peak holiday season and it’s also the busiest month for burglars. A report has revealed that home insurance claims peak in July with burglars taking advantage of empty properties. Over half of holidaymakers have at least nine days away from home and a quarter have a fortnight away; providing plenty of opportunities for…
 
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    Esurance Blog

  • The 7 Best Road Trip Movies You’ve Never Heard Of

    Meghan Kane
    27 Jul 2015 | 10:45 am
    On road trips, things don’t always go as planned. So, if you want to prepare for unexpected (and highly improbable) circumstances on your next adventure, these 7 movies are for you. The post The 7 Best Road Trip Movies You’ve Never Heard Of appeared first on Esurance Blog.
  • From Car Hacking to Wi-Fi Highways: How Technology Is Changing Our Roads

    Jonathan Noble
    24 Jul 2015 | 1:24 pm
    Recent innovations in auto technology have made cars easier and more fun to drive. But they’ve also made them more vulnerable to car hackers. The post From Car Hacking to Wi-Fi Highways: How Technology Is Changing Our Roads appeared first on Esurance Blog.
  • Esurance Homeowners Insurance Is Available in the Lone Star State

    Rachael Heller
    23 Jul 2015 | 5:00 am
    Esurance homeowners insurance is now available in Texas! So what does this mean for Texas homeowners? The post Esurance Homeowners Insurance Is Available in the Lone Star State appeared first on Esurance Blog.
  • 7 Ways to Cook Big in Your Small Kitchen

    Chris Keilman
    21 Jul 2015 | 12:37 pm
    There's no reason a tiny kitchen can't also be a powerhouse of culinary innovation. The post 7 Ways to Cook Big in Your Small Kitchen appeared first on Esurance Blog.
  • Esurance Homeowners Insurance Has Arrived in Nevada

    Jonathan Noble
    17 Jul 2015 | 9:42 am
    It may be known as the Silver State, but Nevada homeowners have struck gold with the arrival of homeowners insurance from Esurance. The post Esurance Homeowners Insurance Has Arrived in Nevada appeared first on Esurance Blog.
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    A National Agents Alliance Future

  • The Alliance’s Future Is Bright as LeadCon15 Approaches

    nationalagentsalliancefuture
    8 Jul 2015 | 1:26 pm
    At The Alliance, we have what some people call an obsession with the future. We look back only to evaluate our mistakes and success so that we can create a better plan to move forward. We work hard today for a better life tomorrow. We envision the future the way we’d like to see it and then do our best to see it through. In January 2015, immediately after our National Convention we started planning for our next big event – LeadCon15. We pictured hundreds of agents gathering from across the country at The Alliance Headquarters for training from some of the best in the industry. As July…
  • More Job Opportunities, Unemployment Rates Down

    nationalagentsalliancefuture
    10 Jul 2014 | 7:19 am
    According to the Bureau of Labor Statistics, there were 288,000 jobs added in the US in June, 2014. This is an improvement over the 224,000 jobs that were added in May. Overall, employment has greatly improved through the first half of 2014 with a total of 1.4 million more jobs in the U.S. from January to June. The unemployment rate is now only 6.1% due to more jobs added and more people entering the workforce. President Obama is pleased with the job increase, but says that there is still room for improvement. He would like decrease long-term unemployment and raise the federal minimum wage to…
  • National Agents Alliance and World Cancer Day: How can you help?

    nationalagentsalliancefuture
    4 Feb 2014 | 9:55 am
    Approximately one in every three women and one in two men will be diagnosed with cancer during their lifetimes and almost 8 million people worldwide die from the disease each year. Today, February 4, 2014 is World Cancer Day. People all over the world are honoring those who have battled cancer and fighting for a cure, and National Agents Alliance is joining them. Many people have been affected in some way by the disease and want to help – but how? There are many ways that you can provide hope to people around the world who have been affected by cancer; we’ve created a list of simple…
  • Eric Thomas Inspires The Alliance at NatCon14

    nationalagentsalliancefuture
    13 Jan 2014 | 11:43 am
    Eric Thomas walked on to The Alliance stage at NatCon14 in Charlotte, North Carolina, with his t-shirt reading, “when you wanna SUCCEED as bad as you wanna BREATHE.” Agents had been impatiently waiting to hear ET, “the hip hop preacher” speak to the Alliance since he was announced as the convention’s keynote speaker in early December. Leading up to NatCon, several agents were tweeting about reading ET’s books and asking us when they could see him on stage at the convention. The hip hop preacher is used to motivating audiences around the world, and this time…
  • How to Make This Year BIGGER and Better than the Last

    nationalagentsalliancefuture
    31 Dec 2013 | 11:23 am
    As you may have heard, 2013 was a BIG year for the Alliance. In the past year, we’ve grown stronger and more successful than ever before and we’re going to make 2014 even more EPIC. But in order to gain success as a team, we have to grow stronger as individuals. Below we’ve listed some steps you can take to achieve new heights in 2014. Reward yourself for your achievements. You’ve made some strides that are worth celebrating, so make a list of all of the goals and achievements you reached in 2013. Celebrate your wins and take note of what you learned from your mistakes and what…
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    autoinsuresavings.org

  • How to Make Your New Motorcycle Safe and Legal for the Road

    Anica Oaks
    16 Jul 2015 | 9:36 am
    Cool ride! Image credit: chicagomotorcycleswap.com. There are few things in the world that can match the exhilaration of a motorcycle. These vehicles offer a level of freedom unlike anything else, but they also come with some unique risks for even the most experienced riders. Anyone who is getting ready to get on their new bike and hit the road should take a look at these tips to make their next adventure both safe and legal. File Paperwork Early Waiting until the last minute to file legal and financial paperwork can be disastrous, and most new riders should expect at least 30 to 60 days of…
  • Hottest Cars in the United States 2015-16

    Shaun Fyffe
    3 Jul 2015 | 6:56 am
    Buying a car is a big decision, so when it’s time for you to get your next set of wheels, you want to make sure you get the most bang for your buck. Unfortunately, with so many options out there, it can be hard to decide what’s right for you – and, worst case scenario, you could be stuck with a lemon for the next few years. This guide will attempt to help you avoid that terrible fate. Below, we’ve highlighted a few of the best cars rolling off the lots in the 2015-16 model year. No matter what your needs or budget, you’re sure to find a great car for you on this list. 2015 Hyundai…
  • DUI by the Numbers with Alarming Statistics

    Kristen Geil
    6 Jun 2015 | 8:06 pm
    When you drive under the influence, you risk several dangerous consequences, one of which is the effects that a DUI can have on your insurance rates. Here’s exactly how driving under the influence affects your insurance. First, know the facts about driving under the influence. The typical drunk driver has driven drunk 80 times prior to their first arrest, and 50-75% of convicted drunk drivers continue to drive on a suspended license. Nearly a fourth of drunk drivers are 21-25 years old, and drunk driving costs the U.S. $199 billion per year. Sadly, two out of three people will be involved…
  • Affordable Insurance Made Easy: A Life-Long Expense to Help You Save?

    Shaun Fyffe
    8 May 2015 | 5:13 am
    Buying car insurance can seem like one of the great paradoxes of life: you have to spend a bunch of money on something you pray you’ll never use. You still have to have it, though – but that doesn’t mean that you have to pay through the nose for it. Since you’re going to be paying an insurance bill for the rest of your life, you might as well save some money on it, right? Below are a few tips to help keep your insurance costs down, so that you can use more of your money on something fun (like a new car, perhaps?). Short-Term Tips Some money-saving tricks only really pay off over the…
  • Consumer Report: Best Cars for Keeping Your Family Safe 2015

    Brooke Chaplan
    11 Apr 2015 | 6:54 pm
    Decades of research and development in automobile manufacturing and recent innovations in safety engineering have made new vehicles safer than ever. As the technology advances the National Highway Traffic Safety Administration (NHTSA) continues to raise safety standards for the cars they test. Below are four of The Insurance Institute for Highway Safety’s top picks for the safest family cars available in 2015 2014 Audi A4/S4 Audi A4 2014 NEW Sporty tech-savvy Sedan. Image credit: AllCars youtube. Audi’s 2014 luxury A4 sedan and its performance-oriented sister model the S4 have…
 
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    Assetsure

  • It takes two

    Sara Jaspan
    13 Jul 2015 | 3:17 am
    Throughout history and across almost all cultures, precious stones have been attributed with many different meanings and symbols. But sometimes, it’s the relationship between two gems that says it all. Such is the case for the exceptionally lavish, 15th century ring that sold for auction at Sotheby’s last week, coming in over the estimated price, at £35,000, as part of the ‘Old Master Sculpture & Works of Art’ sale. In this early, rather rare example of a ‘love or marriage ring’, the bond between husband and wife is symbolised by two different gems: an impressive point-cut…
  • The Idol’s Eye

    Sara Jaspan
    30 Jun 2015 | 1:27 am
    The largest known natural blue diamond in the world. Legend has it that the Idol’s Eye was first discovered in the early 17th century (or before). However we need to wait over another two centuries – until 1865 – for the first authenticated account of the diamond to surface. This was when the stone appeared at a Christie’s sale in London, but the story of how and why it got there has been contested many times over the years. A stone of many beginnings Some trace the first mention of the stone all the way back to the tales of the A Thousand and One Nights collection of Middle…
  • The Hatton Gardens raid

    Sara Jaspan
    29 May 2015 | 8:58 am
    Ever since Easter weekend, the nation’s attention has been firmly fixed on the drama of the Hatton Gardens raid. There have been several headline grabbing developments as the story has unfolded; yet no one will have felt these as keenly as the victims themselves. Implications for those affected Many of those affected are small business owners who had been storing their goods at the safety deposit box facility, uninsured; believing their jewellery was protected against the risk of theft. Unfortunately the recent incident has highlighted the fact that no security precaution is ever completely…
  • The Regent

    Sara Jaspan
    27 May 2015 | 5:29 am
    Though the 140 carat Regent diamond, today, sits serenely on display in the Denon wing of the Louvre in Paris, its journey there has been as full of twists and turns as many of the world’s other most famous diamonds. Ocean crossings The gem originated from the Kollur Mine in India, where, so the story goes, it was discovered in 1698 by a slave who smuggled the diamond (weighing 426 carats in the rough) out of the country by concealing it within the bandages of a self-inflicted wound. He was later murdered and the stone stolen by an English sea captain who had initially promised safe passage…
  • The Blue Hope diamond

    Sara Jaspan
    30 Apr 2015 | 4:55 am
    The story of the Blue Hope diamond has been a source of fascination for centuries. Indeed, the intense blue stone (around the size and shape of a walnut) is today described as the most famous diamond in the world. Why? For its curse. An eye for an eye Legend has it that the diamond was plucked from the eye of a statue of the Hindu goddess, Sita, by the French merchant traveller Jean Baptiste Tavernier while travelling in India in the seventeenth century. A curse was placed upon the stone in revenge, bringing bad luck or death to all who touched it. Nothing but superstition? The curse has…
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    Enhanced Insurance

  • Health Insurance Rate Increase and You

    Jim Holm
    16 Jul 2015 | 1:12 am
    It’s that time of year when stories start to fill the newspapers about expected health insurance rate increases. With renewals coming up in a few months, an indication of a large rate increase isn’t welcome news for anyone. But – what does it actually mean to you as an individual, when a company files a 30% increase in health insurance rates in your state? The answer is quite vague. It could mean you will have a 30% increase in your health insurance premium, but the odds are it doesn’t. How your individual policy will be impacted depends on many, many factors such as your provider…
  • What is the Cheapest or Least Expensive Used Car to Own?

    Jim Ketterson
    6 Jul 2015 | 7:34 am
    While there are many articles on the internet about the best new cars or used cars to buy, few of them address the question on the minds of the most value-conscious consumers – what vehicles will have the lowest overall total cost per mile driven. Years ago, a friend of mine introduced me to an interesting strategy.  Here is what he told me: 1) Buy used.   When you drive off the lot, a car loses a substantial amount of value, some vehicles lose more than 30% of their value in the first year. 2) Buy the cars that depreciate the most quickly.  While the typical car (according to…
  • Adding a Baby to Your Health Insurance

    Jenna Christianson
    29 Jun 2015 | 7:55 am
    Having a baby is a life-changing event. Before your baby is born, you will probably be busy attending baby showers, decorating their room, and buying furniture and clothing. You will have a million things to do to get ready, and you don’t want to forget anything. This is especially true for healthcare insurance. As soon as you go into labor, you will want to have the security in knowing that your baby is covered when they decide to enter the world. Enrollment Enrolling your new baby into a healthcare plan is the first step. When you have a significant life change, standard enrollment…
  • Green Furniture

    mgarrett
    22 Jun 2015 | 8:34 am
    What a wonderfully descriptive word … green. To be “green with envy”, to smell green grass, to hold green money and eat green eggs and ham are all wonderful. Reduce, reuse, recycle are all based on being green. The challenge to keep the Earth green translates to reclaiming and reinventing the unwanted disposables of the world.  The cultural transition to furnish a “green” home starts with a creative mind and a cautious approach … and green furniture. A Simple Plan I was forced to do a reality check the summer of 2005. The opportunity to spend a summer with my kids…
  • Cuttings Impact on Today’s Youth

    mgarrett
    16 Jun 2015 | 8:09 am
    I had the wonderful opportunity of introducing the Bible to a group of eighth grade girls. As a teacher, I plan my lessons to ask questions relative to today’s teenager to continue their involvement in class. After one of the video sessions in the T3 Teen Timeline by Mark Hart, we discussed what the Bible says regarding self-injury, which included tattoos, burning, and cutting. According to the video, the girls are called to help those in need. Little did I know the hidden issue of cutting in society would surface with such an active dialog. With shock and awe, I asked my class, to raise…
 
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    Watch Magazine | Men's Lifestyle, Fashion and Photography

  • Sperry Boat Shoes | Men’s Fashion

    senomer
    12 Jul 2015 | 8:26 am
    The boat shoes are shoes designed primarily for navigation. They somewhat resemble leather moccasins as they are and do not take the ankle. For several years now, they are not confined to the maritime domain, we might as well wear them in town and country. It is also a symbol of preppy style. Last week, I mentioned in article Sperry brand, its history and its famous anti-slip boat shoes. There are some days I received a flagship brand models: the Authentic Original Boat . When I found the shoes, I immediately plunged back into childhood. Admittedly, it must be at least twenty years that I had…
  • Modern Machine Chronograph | Fossil Machine

    senomer
    8 Jul 2015 | 3:11 pm
    Every year Fossil proposes new models of watches. Renowned for the quality of its watches, the brand excels in the art of proposing vintage watches at affordable prices. For everyday, sport or special occasions, Fossil has created a wide range to meet the maximum men. For wealthier budgets, a luxury watch collection has recently emerged as the Swiss Fossil. I know the brand models since it is not the first Fossil watch that I found on the blog. Again for this model, the watch is rugged and bracelet leather of excellent quality. A real tribute to industrial innovations of the 1950s America,…
  • Mario Bertulli | Moccasins Style from Luxury Shoes Brand

    senomer
    5 Jul 2015 | 6:08 am
    Mario Bertulli Luxury Footwear Market You would like to win a few centimeters without anything seems? I discovered it a few days ago a brand that will definitely make people happy. Mario Bertulli is an Italian brand specialized in the manufacturing of height increasing shoes for men. These shoes allow primarily to the males to gain size and this discreetly. In addition, they provide some comfort and style. On normal appearance, Mario Bertulli shoes have an ingenious system of invisible insole inside the shoe. The silhouette of men seems then more slender, and their growth remains well guarded…
  • Compare the Past to the Present of Pitti

    senomer
    5 Jul 2015 | 5:31 am
    New session of Pitti, new pictures that bloom on blogs and various platforms and an opportunity for us to offer a comparison between this and the Pitti Pitti in June 2012. In the space of three years in the fashion world is often described as changing, we find that the trends present among the visitors to the Pitti Uomo are roughly the same, the like its figureheads in constant style Ignatius Joseph, Nick Wooster or Lino Ieluzzi. This has something reassuring, the menswear unlike his female counterpart is made more significant trends and slow changes. So of course, the outfits are sometimes a…
  • Barrel cuff vs. French cuff

    senomer
    4 Jul 2015 | 9:32 am
      We are not the wrists aficionados Musketeer (French cuff) and we greatly prefer their simple wrist (barrel cuff) and their various versions but we have never given any explanation about it. The almost systematic wearing musketeer cuffs, especially in the work wear Parisian executives, always a little surprised us. They come to us even seeing people wear French cuffs with a sweater for example … It is as thin as wearing a pair of black brogue with jeans. There are other things to do especially when one looks a little clothing. If they were the preserve of some pundits bankers type of…
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    Law360: Insurance

  • Health Orgs Criticize Spending Cap For Private Medicaid Plans

    28 Jul 2015 | 8:49 am
    Health insurers, hospitals and independent analysts are pressuring the Obama administration to relax a controversial proposal capping profits and overhead spending in private Medicaid plans, according to newly released comments.
  • State Farm Takes Hospital Contract Row To Fla. High Court

    28 Jul 2015 | 8:29 am
    State Farm Mutual Automobile Insurance Co. continued its quest to learn whether a hospital overbilled it for accident patients' care while handing discounts to medical insurers, telling the Florida Supreme Court on Monday that the lower court botched its state statute interpretation.
  • Screened Selection In Party-Appointed Arbitrations

    28 Jul 2015 | 5:31 am
    The International Institute for Conflict Prevention & Resolution's screened selection process for party-appointed arbitrators is a simple compromise between the positions of those who believe the existing system of party appointments should remain unchanged and those who would overhaul the system, say Charles Rosenberg of White & Case LLP and Olivier Andre of the International Institute for Conflict Prevention & Resolution.
  • Texas Property Insurers Consider Changes To Hail Policies

    28 Jul 2015 | 3:15 am
    Texas is in the midst of a hail lawsuit crisis. Tens of thousands of lawsuits have been filed across the state and abuse and outright fraud are commonplace. Despite a strong push by the insurance industry, the 2015 Texas Legislature failed to pass any significant reform measures and absent a legislative or policy form solution the end result is predictable — an outright insurance exclusion for hail damage, says Todd Tippett at Zelle Hofmann Voelbel & Mason LLP.
  • Insurer Can't Revive Negligence Claim For $11.5M Hotel Flood

    27 Jul 2015 | 3:17 pm
    A Pennsylvania federal judge on Monday rejected Insurance Co. of Greater New York's bid to revive a professional negligence claim in its lawsuit over a flood at a Holiday Inn hotel that resulted in $11.5 million in damages, saying the company failed to support its attacks on defense deposition testimony.
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    SimplyWorkComp

  • Nebraska Supreme Court reverses workers’ comp ruling

    Simply Work Comp
    13 Jul 2015 | 1:04 pm
    A co-op employee who was injured while moving a grill for a company party might not be eligible for workers’ compensation benefits under a Nebraska Supreme Court ruling, Omaha.com reported. The Nebraska Supreme Court’s reversal of the workers’ compensation court’s ruling hinged on the lower court’s omission of one word — “direct,” according to the report. The high court asked the workers’ compensation court to address whether the company received a “substantial direct benefit” from the man’s attendance at the event as is…
  • Smart strategies to strengthen your return-to-work program

    Simply Work Comp
    9 Jul 2015 | 9:32 am
    Did you know that the longer an employee is off work due to an on-the-job injury, the less likely it becomes that the employee will ever return to work? That’s why employers and injured workers benefit from strong return-to-work programs. Even if injured employees can’t return to their regular jobs right away, bringing them back as soon as possible by providing lighter-duty tasks or reduced hours helps them: Recover faster Stay in the routine of working Feel productive Employers benefit by bringing injured employees back to work as soon as they’re medically able because it: Reduces…
  • Iowa Supreme Court says workers’ compensation surveillance footage need not be disclosed before deposition

    Simply Work Comp
    17 Jun 2015 | 6:11 am
    The Supreme Court of Iowa has reversed a judgment made by former Iowa Workers’ Compensation Commissioner Christopher Godfrey on surveillance footage used in workers’ compensation cases. The Supreme Court decided that Iowa Code section 85.27(2) does not require employers to provide surveillance footage to workers’ compensation claimants before they are deposed. Related posts: Court rules Iowa employers must release surveillance videos Minnesota Supreme Court reverses appeals court’s Dykhoff decision Minnesota Supreme Court maintains status quo for PTSD claims
  • Seven tips to prevent on-the-job knee injuries

    Simply Work Comp
    15 Jun 2015 | 5:30 am
    adapted from SFM Companion On-the-job knee injuries are common. Unfortunately, they are also difficult to recover from since the knee is a complex body part and a load-bearing joint. You can do serious damage to your knees in a number of ways. Common causes of occupational knee injuries Common sources of occupational knee injuries include hyperextension (bending the knee backwards) from unnatural body movements, slips and falls, impact with hard surfaces, overuse or repetitive motions, twisting or abnormal lateral movements, and awkward turning or stopping. Symptoms of knee injuries If a…
  • Seven things employers should know about independent medical examinations

    Simply Work Comp
    9 Jun 2015 | 5:30 am
    adapted from SFM Companion During the course of an injured worker’s medical treatment, it sometimes makes sense to get an uninvolved doctor’s opinion. This can help in determining whether: Surgery is warranted Appropriate medical treatment is being given The injury stems from a work-related cause The employee could go back to work without medical restrictions For example, say an injured worker has already undergone two unsuccessful back surgeries and requests a third one. Or say an employee with arthritis claims that work aggravated the condition, causing the need for a total knee…
 
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    Agency Nation - Insurance Marketing, Sales and Automation

  • A Beginner’s Guide To LinkedIn Marketing

    Sydney Roe
    22 Jul 2015 | 5:00 am
    “Ok, let me think about that.” If I had a quarter for every time I heard my dad tell me that growing up, I’d definitely be driving my dream car right now. The 2015 Ford Mustang, in case you were wondering. Decisions weren’t something taken lightly in my family. Implications had to be weighed and alternatives had to be considered. It wasn’t until I started working in the family business that I realized my mom and I weren’t the only ones who had developed the patience of saints. (Needless to say, my dad’s accountant had a lot of pent up frustration over the fact that it took over…
  • 11 Simple Steps to Stories That Sell

    Marty Agather
    20 Jul 2015 | 5:00 am
    In my two earlier posts on using stories to enhance your marketing and sales efforts, we explored the psychological and evolutionary reasons that stories resonate with us, and we reviewed a summary of my simple story formula. In this post, we will dive deeper into the story formula to help you gain familiarity with it and learn how to use it to tell stories that sell. Although some successful stories don’t follow established formats, many do. If you do any research on story, you will very quickly run into Joseph Campbell’s  The Hero’s Journey, in which Campbell identifies…
  • 8 Ways Every Insurance Agency Needs to Leverage Video Today

    Mike Demko
    16 Jul 2015 | 5:00 am
    It seems every day there’s more and more people watching videos online. Whether it’s Youtube, Facebook, Twitter or now even Instagram… Internet users can’t get enough of video. The numbers around video consumption are incredible. In March of 2014 the average Internet user in America watched over 248 videos.  This means that in one month, there were over 46.6 billion online videos the United States alone. While it is true that many videos are uploaded simply for entertainment purposes, the momentum around video is simply incredible, and top marketers have taken notice.
  • Social Media Manager vs. CFO – Justifying the Cost of Social Media Campaigns

    George Anthony
    14 Jul 2015 | 5:00 am
    The truth is that today we live in a world that is growing more and more connected by the hour. The fact like this is as it sounds, too big to be neglected and too big to allow any aspect of our lives to remain without its influence. The same goes for the world of marketing, and media. Social media have forever outgrown any other type of media as more cost-effective and sometimes even more effective in general. A CFO which manages to grasp this simple truth will soon find both himself and his company head and shoulders above the competition. Gaining a competitive edge in this modern…
  • Everything You Need to Know about Local SEO for Insurance Agents {Webinar}

    Ryan Hanley
    9 Jul 2015 | 6:25 am
    Webinar Title: Everything You Need to Know about Local SEO for Insurance Agents Recording Date: February 26th, 2015 Presenters: Ryan Hanley – Vice President of Marketing – TrustedChoice.com Marty Agather – Vice President of Strategy – TrustedChoice.com The Agency Nation webinar series is brought to you by TrustedChoice.com. Click here to begin receiving inbound insurance referrals today! Resources Mentioned: Top 5 Albany Mortgage Brokers for Your Next Home Loan Millennials Are Buying Homes. But Will They Choose Your Agency? Lipstone Insurance Google+ Page Whitespark…
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