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RMG Insurance Blog

Ack! We have been hacked!

Ron Martin - Thursday, August 10, 2017

Despite heightened awareness of cyberthreats and increased spending on technology-based solutions, businesses throughout the country continue to fall victim to a range of cyberattacks and data breaches. Many organizations, including insurance agencies, turn to cyberinsurance as a solution to cover both first-party loss and third-party liability. These insurance policies often have the added benefit of proactive cyberrisk management tools and offer access to the industry's top-breach response vendors. Yet given the time-sensitive nature of cyberevents, it's important to understand how the policies work and come up with a plan ahead of time. Consider the following three scenarios:

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Employment Practices Liability Basics

Ron Martin - Tuesday, August 08, 2017

Discrimination Claims
Average range of defense costs: $200,000 - $300,000
Timeline for resolution of employment litigation: 18-24 months
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Return of the Agent: Why DIY Does Not Work for Insurance

Ron Martin - Monday, August 07, 2017
personal lines insurance  read more

Reducing the Risk of Child Sexual Abuse

Ron Martin - Thursday, July 06, 2017

According to multiple studies, one out of four girls and one out of six boys will be sexually abused before they reach the age of eighteen.1 Protecting the children your organization supports from a sexual perpetrator is paramount in importance. Given the trust-based nature of this crime, it can be very difficult to detect dangerous behavior(s) until it is too late. Almost 90% of child sexual abuse cases involve a perpetrator that the child knows and trusts, such as a care provider, family friend, coach, student leader, or ministry volunteer.2 Taking additional, cost-effective prevention measures that increase your organization's barriers to this crime remains in the best interests of the children you support.  read more


Do you really understand group long-term disability?

Ron Martin - Wednesday, June 21, 2017

Most Americans do not have disability insurance in their employee benefit package, but those who do may have a false sense of security. When approached about disability insurance, many are quick to say: "I have disability insurance coverage at work." Have ever really done an examination of just what your benefit might look like?  read more


Distracted Driving Causing Insurance Rates To Skyrocket

Ron Martin - Friday, May 19, 2017

by: Andy Sheehan - CBS Pittsburgh  read more


Spring Home Maintenance Tips

Ron Martin - Thursday, March 23, 2017

Avoid Basement Flooding During Spring Thaw

Ron Martin - Tuesday, March 14, 2017

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Life Insurance and Income Replacement

Ron Martin - Wednesday, January 18, 2017

One of the most overlooked parts when analyzing the need for life insurance is income protection. Most often when reviewing your needs for life insurance, families focus on having enough to pay off their debts and making sure their kids can go to college.    read more


Preparing Your Home For Winter

Ron Martin - Tuesday, January 10, 2017
Winter can be very tough on a home, especially if you have not taken the necessary steps to prepare for the harsh weather that is right around the corner. Winterization projects can be relatively straightforward and affordable, all the while preventing significant damages that can hinder the comfort, safety and integrity of your house throughout the colder, wetter months. 

Let's go through some of the key preventative measures you can enact to prepare your home for winter. 

Energy-efficient improvements
The very same steps you need to take to keep your heating costs down can also be viewed as protective for your home's structure and systems. Popular Mechanics, a publication devoted to technology news and tips for consumers, suggests the following steps to boost your home's efficiency and protect it from common damages associated with winter weather:
  • Bring in a professional service provider to prepare your air conditioner, water, fuel, vent and all other systems and pipes. 
  • Consider replacing normal doors and windows with storm-proof products. 
  • Get your furnace serviced, and change out filters that were used last winter. 
You will also want to thoroughly evaluate your home for drafts and leaks, which are most common in attics, crawl spaces and basements, but can be found virtually anywhere. One of the easiest ways to check for drafts is to light a candle in the center of each room of the home and watch to see if the flame flickers or bends. Once you've identified the drafts, use weatherstripping and caulk to seal them up. 

Roof and drainage
To prevent flooding both in the home and outside, you will need to prep your roof and irrigation system. Here are a few tips:
  • Cleaning and removal: Clear all gutters of leaves and other debris before the first snowfall. Remove snow from the roof during times of very heavy precipitation.
  • Ice dams: If you have a sloped roof, ice dams can be an issue. This Old House, a home improvement website, suggests putting ice melt products that contain calcium chloride into a porous material, such as a stocking, and placing it on ice dams for safe, easy removal.
  • Avoid floods: Always make sure the roof’s drain pipes are pointed away from the house, and that your irrigation system and lawn have been winterized to avoid damage from the increased precipitation.

Protective measures for plumbing 
Frozen pipes can lead to massive expenses and damages. The Balance, an online publication that offers a range of tips to consumers, suggests wrapping all exposed pipes and plumbing with insulation. According to the source, you will need to keep your valves and taps open to prevent water from staying in the pipes, which can lead to freezing and expansion, followed swiftly by cracks and damage.
Even when you are not home, the website recommends keeping the home's temperature warm enough to prevent freezing of any kind. This can be trickier for pipes that are outside or in parts of the home that do not have access to heat. In these situations, The Balance states that heat tape can be used to protect pipes. Also, when temperatures dip below freezing, keep your water dripping in sinks and other faucets to further prevent freezing and bursting in the pipes and plumbing. 

Get the right coverage
Make sure that your insurance provides the coverage you need for your home this winter. Winter involves more precipitation in the Northeast, which could lead to flooding - a threat that is not generally covered by homeowners insurance. Speak to your us to ensure all of your assets throughout the home, as well as the structure itself, are protected by your insurance coverage before the harsh weather sets in.  read more


 

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