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General Information

Ed Heath Elected Chairman of the Allied Division of KMCA

Ed Heath, AssuredPartners Transportation, was recently elected as Chairman of the Allied Division of KMCA (Kansas Motor Carrier’s Association). The chairman position represents the Allied Division Board of Director members on the Executive Committee of KMCA. KMCA has members from approximately 900 companies and is the voice of trucking companies across Kansas. Ed has been a member for more than 20 years and has served on the Board of Directors representing the Allied Division for the past 2 years. The Allied Division is made up of non-trucking companies such as AssuredPartners. Ed will serve a 2-year term. Ed has been employed as a Safety Director for an over-the-road trucking company and currently maintains his CDL (Commercial’s Driver’s License), so his hands-on experience not only serves AP’s trucking company customers, but will also be beneficial in his role as Chairman. Ed has been in the trucking industry for 35 years and with APT for a little over a year.

November 8th, 2017|General Information|0 Comments

The Dangers of Fireworks

By: Gabe Wooldridge, MBA, AINS – Express Solutions Producer and Private Client Consultant

Many Americans take part in the annual tradition of setting off Fireworks on the 4th July in celebration of our countries freedom. While the celebration of American Freedom is encouraged, it may be best to watch the displays provided by the professionals. Fireworks can wreak havoc when not in a controlled environment damages range from personal injury to extensive property damage.

Just look at the explosive statistic’s according to the National Fire Protection Agency:

In 2013, fireworks caused an estimated 15,600 reported fires in the U.S., including 1,400 structure fires, 200 vehicle fires, and 14,000 outside and other fires.

Two thirds of the fires started by fireworks in 2009-2013 were brush, grass or forest fires.

In 2014, U.S. hospital emergency rooms saw an estimated 10,500 people for fireworks-related injuries.

However, most of the injuries and property damage resulted from structure fires More than one-quarter (28%) of fires started by fireworks in 2009-2013 were reported on Independence Day. Almost half (47%) of the reported fires on the Fourth of July were started by fireworks.

Males accounted for three-quarters (74%) of the injuries. Children ages 5-9 were 2.4 times as likely as the general population to be injured by fireworks. Youth ages 10-19 had a risk 1.8 times the overall risk.

As you can see from the statistics there can be extensive danger associated with Fireworks if not properly handled. Here are a few Safety tips to lower the risk of injury to your property or person:

Obey the law: If you do plan to conduct a personal fireworks display check the city ordinances to verify fireworks are legal in your city.

Use Fireworks outside in a location free […]

June 29th, 2017|General Information|0 Comments

Workplace Violence: Is your company prepared and protected?

 

By Matt Benge, Consultant

 

As the world’s risks and dangers continue to evolve, so does the insurance marketplace’s offerings to protect employers.

Unfortunately, workplace violence and terrorism are becoming more common threats to a company’s ability to function and their employee’s wellbeing.

Insurance companies have noticed this and are now offering coverage resulting from workplace violence incidents (the industry buzz word is “Active Shooter Policy”), political violence, terrorism and of course, cyber attacks. The coverage is intended to fill critical coverage gaps in traditional general liability, workers compensation and property policies.

Here are some of the coverage highlights from a policy that Starr Companies has authored:

Political Violence and Terrorism

–              Provides cover for 1st party Property Damage, Business Interruption losses, Contingent Business Interruption, and 3rd party liability losses resulting from an act or hoax of politically-inspired violence (strikes, riots, civil commotion, sabotage) and terrorism

Workplace Violence Expense

Reimburses expenses resulting from any Workplace Violence incident involving an Insured Person

Reimbursed expenses include (but are not limited to) Workplace Violence and Stalking Threat Expenses (to include Security Consultants/Guards, Public Relations Consultant, Counseling Seminars, Salaries, Medical Benefits, etc.), Business Interruption Loss, Temporary Business Relocation, Loss of Life Benefit, and Defense Costs

Cyber Security Expense & Liability

–              3rd party liability claims stemming from a security failure on the part of the Insured

–              Privacy Crisis response expenses in the event of a data breach (expenses covered include notifications, credit monitoring, and forensics)

–              Costs expended to respond to a cyber extortion threat

Crisis Response Expenses

Reimburses Crisis Response costs and/or Crisis Management costs that are a result of Injury, Property Damage, or Imminent Injury arising out of a crisis event. These costs include (but are not limited to) Crisis Transportation Expenses, Crisis Psychology Expenses, and Funeral Expenses.

We also partner with other […]

May 25th, 2017|General Information|0 Comments

Dress for Success

By Stephanie Pence, CAPI

Manager & Producer, Private Client Services

Thanks to the generosity of our customers and colleagues, Assured SRA’s Private Client Division was able to donate three car loads of clothing to the Dress for Success organization last week.

At the beginning of 2017, our team created a goal to get involved in our community. Dress for Success seemed a natural choice for a “Spring Cleaning” campaign where we reached out to our clients and office to donate lightly used clothing. The donations will be used to provide men and women with interview appropriate attire. The charity also provides resume assistance, practice interviews, career mentoring, and leadership development.

Team leader and Private Client Consultant, Alyssa Blake, coordinated the email reminders, pick-ups, and drop-offs. Here’s what she had to say. “Our jobs are more then what comes across our desks. When we heard of this organization, we knew we wanted to participate. Our team is dedicated to living service beyond the 40 hours work week.”

When our community thrives, we thrive. On behalf of our team members Alyssa Blake, Brandon Ell, Mary Ruby, and Gabe Wooldridge, we thank everyone for your support of this campaign.

 

May 22nd, 2017|General Information|0 Comments

Water Coverage Reviewed, Part II: Flood Coverage

By Gabe Wooldridge
Express Solutions Producer and Private Client Consultant

Spring showers are around the corner and this brings the potential for increased water exposure to many property owners. Water damage may wreak havoc on your home and possessions and it can occur when you least expect! There are three major aspects of the dreaded words WATER CLAIM and how it is or isn’t covered under your homeowner’s policy. This section will review flood and how insurance companies review this peril.

Many homeowners could be potentially impacted by flooding. The trends of sudden large storms in the US are more frequent now than in the last 105 years since they began recording storms — just look at the situation in California. Per the EPA statistics, “In recent years, a larger percentage of precipitation has come in the form of intense single-day.  Nine of the top 10 extreme one-day precipitation events have occurred since 1990.” The intense increase in the amount of water in a short span of time is what causes many flash floods.

Unfortunately, MOST homeowners do not carry flood insurance even in regions in which floods are more prevalent. For example in Louisiana, 80% of the residents that had flood damage this August did not have flood Insurance! This is possibly one of the largest gaps and misunderstood aspects of property exposures. To put it simply, flood coverage is defined as water entering your home from outside of the home. The bad news is if water enters your home from the outside and causes damage and you do not have a separate flood policy there is NO coverage from your homeowners insurance.

The good news is that the United States government saw the extensive damage floods were causing Americans and created […]

March 27th, 2017|General Information|0 Comments