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Claims

The Nurse Hotline: The First Step in a Work Injury Claim

By after an accident, Business, Central, Claims, Commercial, Employees, First Report of Injury, injury, Insurance, Liability, Loss Control, nurse, Prevention, safety, Service, slip and fall accidents, worker, workers safety, workers' comp claims, workers' compensation, workplace, workplace safety

Did you know that over 2.9 million workplace injuries occur each year? Accidents and injuries happen, but the common goal is to limit the number of injuries and keep employees as safe as possible. When an injury does happen, there is…

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Cracking the Code on Commercial Umbrellas

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

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

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Now Might Be the Perfect Time for an Account Review

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

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

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Coronavirus Could Complicate Hurricane Season 2020

By Business, Claims, claims adjuster, claims process, claims service, Commercial, coronavirus, COVID-19, disaster, disaster plan, disaster preparedness, emergency kit, emergency response plan, emergency supplies, FEMA, Financial, flood, flood insurance, flood zone, flooding, Home, hurricane, hurricane season, Insurance, natural disaster, personal pretective equipment, Risk Management, social distancing, storm damage, storms, Weather

Hurricane season is here.  Meteorologists are at work and love to make predictions about how many hurricanes will make landfall and their potential severity.  People in high-risk areas will be directly affected, of course, but everyone still needs to p…

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What is Subrogation?

By analytics, artificial intelligence, Business, Claims, Commercial, coverage, damages, Home, Household Inventory, Insurance, Liability, Personal, premiums, Prevention, products liability, Saving Money, Service, subrogate, subrogation, third-party

Subrogation is a common term in the insurance industry but not a common one outside of it. So what is subrogation? Subrogation is a legal right the insurance company holds to pursue a third-party responsible for the damages caused to…

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

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

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

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Getting Personal with Agents and Underwriters

By Business, career opportunities in the insurance industry, Central, Claims, Communication, Employees, independent agent, Independent Agents, independent insurance agent, Insurance, insurance agent, insurance careers, insurance careers month, insurance industry, insurance underwriter, Liability, Personal, personal lines underwriter, Service, underwriter

I’ve been working in the insurance industry for 18 years now. Currently, I hold a position as a Personal Lines Underwriter with Central Insurance. However, when I obtained my very first position as a personal lines customer service representative…

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Medical Payments – The Forgotten Homeowner Insurance Coverage

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

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

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