Independent Insurance Agent and Risk Manager
Licensed in PA NJ NY MD DE NC TN VA WV

Experience Modification Factor Myths and Facts

Uncategorized / September 21, 2017

MYTH #1 Insureds in a high risk class of business will always have a high mod. FACT #1 Most top markets offer loss control services, which help reduce the frequency and severity of claims for any class of business. MYTH #2 All carriers would handle the same claim the same way. FACT #2 Some carriers […]

Basic Insurance Coverage for Students Attending College

Uncategorized / August 28, 2017

Graduating high school and leaving home for the first time can be an exciting, and, in some ways, overwhelming, experience. In the excitement and anticipation, parents and students tend to overlook the fact that college students may encounter many insurance issues which have not been considered. So, before there’s an auto accident, a fire in, […]

Ack! We have been hacked!

Uncategorized / 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 […]

Employment Practices Liability Basics

Uncategorized / August 8, 2017

Discrimination Claims Average range of defense costs: $200,000 – $300,000 Timeline for resolution of employment litigation: 18-24 months Add those numbers to the whopping 91,503 charges of workplace discrimination received by the U.S. Equal Employment Opportunity Commission (EEOC) in 2016 and ask yourself if you feel safe as an employer. We can’t prevent a lawsuit, but we can […]

Return of the Agent: Why DIY Does Not Work for Insurance

Uncategorized / August 7, 2017

The concept of “do it yourself” – or DIY – has caught on in many areas of the consumer economy during the past decade. Insurance is no different. People are taking it upon themselves, in notable numbers, to find and buy their policies. As reported by the Insurance Journal, Independent Agents wrote almost 35% of personal […]

Reducing the Risk of Child Sexual Abuse

Uncategorized / July 6, 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 […]

Do you really understand group long-term disability?

disability insurance / 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 you ever really done an examination of just what your benefit might look like? Question […]

Distracted Driving Causing Insurance Rates To Skyrocket

Uncategorized / May 19, 2017

by: Andy Sheehan – CBS Pittsburgh PITTSBURGH (KDKA) — Robert Baranchack walks with a cane these days. “It irritates me that I can’t do the things that I used to do.” He’s lost feeling in his right leg from his waist to his feet after a car plowed into the back of a parked pickup […]

Spring Home Maintenance Tips

Uncategorized / March 23, 2017

  Although it certainly doesn’t look like it right now in certain portions of the country, the spring season is upon us. With the snow and ice this winter brought, the harsh weather likely took its toll on the exterior of your home. To best refresh your home’s exterior, and interior, after the winter weather, […]

Avoid Basement Flooding During Spring Thaw

Uncategorized / March 14, 2017

As weather patterns shift toward spring, homeowners must be wary of one of the greatest risks involved in the season: flooding from the thaw of winter snow and ice. Warmer temperatures combined with heavier rainfall and thawing snow will threaten basements in many parts of the nation throughout the next several months. Homeowners need to […]

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