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RMG Insurance Blog

So Sue Me

Ron Martin - Monday, July 21, 2014

reprinted with permission - Insurance Agents and Brokers  read more


Should your organization be conducting background checks?

Ron Martin - Thursday, July 03, 2014

reprinted with permission  read more


Winter Weather - Property Protection

Ron Martin - Wednesday, December 11, 2013

PREVENTING FREEZE UP - FROZEN & BURST WATER PIPES
Cold weather freeze-ups can cause vital fire protection systems to malfunction. Cold temperatures can cause sprinkler piping to burst resulting in major water damage to buildings, contents, and equipment. Pipes bursting can also impair automatic sprinkler systems and leave a major portion of your facility without fire protection. A fire during this situation may result in a major interruption to your business and a huge loss.

In the interest of preventing water damage claims for your property, designated key personnel should be aware of freeze protection and emergency preparedness procedures. Utilize the
Winter Weather Precautions Checklist to assist with your risk control program.

Best Practices include:

Building temperature should be monitored, documented, and maintained at 55° F or higher   read more


Personal Watercraft Safety

Ron Martin - Thursday, August 01, 2013

We loved this reminder from our friends at United Marine Underwriters, so we are passing it on to you!

  read more

Property Insurance sees premium increases

Ron Martin - Tuesday, January 29, 2013

As 2013 begins, we continue to see repercussions of past year's natural catastrophes which tallied $57.9 billion in insured losses in 2012 alone.  Insurance is being used to rebuild entire communities. To that end, consumers will see is a sharp increase in property insurance rates, both on the Homeowners and Commercial Property sectors. Almost  all insurance companies are seeking rate in order to mitigate losses and build up their reserves for future severe weather events which are becoming the new normal.    read more


Holiday Party Hosts Could Be Serving Up Lawsuits

Ron Martin - Friday, December 07, 2012

Six Good Reasons to Have a Personal Umbrella

Ron Martin - Monday, October 22, 2012

There is no question that the ownership and use of our autos present us with the greatest personal liability exposure. But our normal daily activities can expose us to the potential of a large liability claim that could threaten our personal assets.  read more


Property Policies to See Changes as a Result of Catastrophes

Ron Martin - Wednesday, August 15, 2012

As an insurance advisor, wekeep current on the trends in the insurance industry that may affect your insurance protection. To that end, we want to make you aware of some changes we are seeing as a result of last year’s catastrophic losses that are illustrated in our March 8th blog entry.   read more


CGL Insureds—the Who's Who List

Ron Martin - Thursday, June 21, 2012

reprinted by permission from  IA&B:  read more


Despite Mild Winter, Keep An Eye on Rising Insurance Rates

Ron Martin - Thursday, March 08, 2012

We have had an abnormally mild and snow-less winter. That doesn't mean that Mother Nature has been taking it easy. In fact, her activities caused about $36 BILLION in losses in 2011. Four of the Top 10 catastrophic events worldwide took place in the United States. From Hurricanes Irene and Lee, to the tornadoes in the South (and more recently in the South and Midwest), to winter storms, to tsunamis (in Hawaii and California), to flooding, even an East Cost Earthquake, insurance companies have paid out in record amounts. All but seven states had one major disaster and more than half had two or more. Pennsylvania had 3 and New Jersey had 5.

What's this mean for you? Insurance companies rates are based on their pay outs in the past. They adjust their rates to mitigate future payouts. Bottom Line - most insurance companies are increasing their rates. The amount of the increase depends on a number of factors, but base rate increases are ranging from 5-40%. Now is the time for you to review your coverage and maximize the numerous discounts that companies now offer.

It is also the time to make sure you have essential coverages, such as Flood Insurance (which is not covered under your Homeowners policy) or Sinkhole coverage, which must be specifically added to your policy. This is where your local agent can be most beneficial. Take advantage of his expertise. You've worked too hard to have Mother Nature's nasty moods ruin it for you.

  read more


 

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