Independent Insurance Agent and Risk Manager
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Winter Readiness

prepare home for winter

Uncategorized / January 11, 2018

The best time to prepare for cold weather, snowfall, ice accumulation and storms is before winter sets in. Here are some tips to consider for protecting you home and family:   Freezing temperatures -Have all furnaces serviced and chimneys inspected and cleaned. -Check your home’s perimeter and seal any air leaks with caulk and weather-stripping. Add additional […]




Employment Practices Liability 101

employment practices liability insurance

Uncategorized / January 11, 2018

Employment practices liability insurance (EPLI) coverage is on the rise – “with the biggest growth coming from small and midsize companies,” according to a recent Washington Post article. The barrage of high-profile sexual misconduct accusations in the news is no doubt fueling the take-up rate, which is already at 41 percent for large firms. In particular, […]




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 […]




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 […]




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 […]




Distracted Driving Causing Insurance Rates To Skyrocket

Uncategorized / May 19, 2017

by: Andy Sheehan – CBS Pittsburgh http://pittsburgh.cbslocal.com/2017/05/11/distracted-driving-causing-insurance-rates-to-skyrocket/ 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 […]




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