This could be a conversation between agents in an independent insurance agent office:
Jim said, “I feel like David.” Huh?!? “Okay, I’ll bite,” John thinks. So, he asked, “David who?” “You know…the guy who was up against the giant in the Bible. Only, instead of a giant, I am up against a lizard and prehistoric characters.” Ah, now John was starting to get the idea – large insurance companies and their clever marketing campaigns.
I can understand how it may feel overwhelming for an individual or small business to stay ahead of the curve, or even just keep up with it, with rapid technological changes in business and marketing strategies. Internet presence and social media forums certainly are formidable foes for the traditional phone book. But, while those large insurance companies may provide amusing advertisements to a wide audience, do they provide you with the best-fitting products?
Emerge Insurance Agency is an independent insurance agency – a fact we are very proud of! It is also a fact that there are tremendous benefits to buying your insurance through an independent agent. Some people may tend to overlook that fact when shopping for insurance, but these key benefits are worth looking at!
Emerge Insurance Agency knows it is important to stay current with business marketing strategies and we will do what we can, but why fight the giant, David? What is most important is that Emerge Insurance Agency will continue to do what it does best – Bringing choice and service to the customer!
EMERGE INSURANCE AGENCY
Businesses work with other businesses on a daily basis to complete joint projects. For example, when a contractor builds a home, they use the work of sub-contractors for materials and labor for the project. These businesses sign contracts or agreements prior to any work being completed. So, how does business insurance work to protect against the risk of some other company, vendor, or sub-contractor causing damage to people or property of a mutual customer?
This is where the additional insured status comes in. One party will add the other party as an “additional insured” on their commercial liability insurance policy.
By adding an entity to your policy as an additional insured you are protecting that entity against your company’s negligence. By having another entity add your business as an additional insured that company is protecting you against their negligence. For example, general contractors often require subcontractors to name the general and the owner on the subcontractor's policies. In this way, if the general contractor or owner is sued due to accidents arising out of the work of the subcontractor, the subcontractor's insurance will protect the general contractor and owner.
Additional insured status must be added by certificate and endorsement. That means there is a formal process to follow with your insurer and you must make sure those businesses you work with who claim to have added you have actually done so. Demand to see the actual endorsement and not just “proof” of insurance.
Additional insured status DOES NOT mean the additional insured does not need insurance. It means the additional insured has controlled the risk of others’ negligence and can rely on their own business insurance policy to protect against their negligence.
Additional insured status does not give the same rights under the policy terms as a “named insured” or “insured” and these are technical distinctions that need to be reviewed with your local insurance agent.
Whenever your business enters into a project with another business or contracts with another business on an endeavor follow these four general principals.
The cost of adding an additional insured to a property or liability insurance policy is generally low, as compared to the costs of the original premium.
EMERGE INSURANCE AGENCY
Do you like the new car smell or the shine of new paint? Buying a car can be exciting and stressful at the same time. Negotiations and paperwork can lead to many hours spent at a car dealership. Learning about the new technology and safety features available on cars today may require even more time at the dealership.
Based on your insurance company, discounts may be available for these new safety features. Here is a list of new safety features/systems that may be in your next car.
Forward Crash Avoidance – We’ve all been in a situation where traffic comes to a sudden stop or we approach a car too quickly. This system helps prevent those situations by alerting you when your vehicle is getting close to another auto or object. The system may automatically cause your car to brake in order to avoid the collision.
Lane Departure – Fatigue or distractions can cause you to inadvertently stray across lane markings. A lane departure warning system alerts you if this happens when your turn signal is not activated.
Blind Spot Monitoring – If you drive through rush hour traffic on a regular basis, changing lanes can be difficult. A blind spot monitoring system alerts you to the presence of an auto, or other object, in the vehicle's blind spot.
Backup Warning System – Sadly, we’ve all heard of the stories of small children injured or killed by a vehicle backing up. By 2018, all new vehicles sold in the U.S. will have these systems installed. These systems are comprised of sensors and/or cameras that alert the driver of objects located behind the vehicle. These systems may also include an alert when traffic is approaching the vehicle from the side. These systems may or may not include automatic braking functionality.
Adaptive Headlights – As we approach fall, deer hits significantly increase. Adaptive headlights follow the path of the vehicle, adjusting the beam to the curve of the road, as well as the speed and steering angle of the auto. These new headlights may help spot animals that dart out onto the road. Please note: Daytime running lights or automatic on/off headlight features are different from adaptive headlights, and do not qualify for a discount.
Driver Fatigue Sensing System– Drowsy driving is a problem in the United States, which often has tragic results. According to the National Highway Traffic Safety Administration, in 2013 drowsy driving was responsible for approximately:
This system will monitor driver steering patterns and other behaviors to detect a lack of attention and/or potential drowsiness. The driver is typically alerted by vibrations in the steering wheel or seat, or with audible warnings.
Please remember these discounts vary by coverage and a maximum vehicle discount is applicable based on the number and combination of discounts. Talk to your independent insurance agent to see if your car qualifies.
Do you have any tips you’d like to share? I’d love to hear your thoughts; please share them in the box below.
EMERGE INSURANCE AGENCY
With October being Breast Cancer Awareness month, now is the time to understand the risks breast cancer presents.
Almost 13 percent of woman in the United States will be diagnosed with breast cancer during their lifetime. Separating the multitude of myths regarding breast cancer from fact will go a long way towards preventing, diagnosing and (for those who end up with) defeating breast cancer.
Here are 5 common myths that have been proven false about breast cancer.
Breast Cancer Myths
I have no family history of breast cancer. Therefore, I'm not at risk.
Unfortunately, about 70 percent of women diagnosed with breast cancer, have no prior history of breast cancer. Obviously, if you have a relative who was diagnosed with breast cancer, then you will be more at-risk compared to someone who has no family history of breast cancer, but good genetics won't make you immune to breast cancer's affects.
There's no way to prevent breast cancer
Technically, this is true. There's no surefire way of preventing breast cancer. However, there are precautions you can take to lower your risk. Regular exercise, maintaining a healthy diet and limiting your alcohol consumption can help keep your breast cancer chances low. When it comes to diagnosing breast cancer, 90 percent are based on lifestyle and environmental factors.
Breast Cancer can only appear as a lump
About 10 percent of women diagnosed with breast cancer, have no noticeable lumps. Make sure you know all of the signs of breast cancer. An early diagnosis will improve your chances of recovery substantially. Here are few more symptoms of breast cancer, from Prevention.org:
Pregnant women are immune to breast cancer
Sadly, breast cancer is the most common cancer among pregnant women.
Men can't get breast cancer
More than 2,000 men get diagnosed with breast cancer every year. While breast cancer is more prevalent in women, men with breast cancer have a higher mortality rate due to a delayed diagnosis.
Breast cancer is a debilitating disease. You can't afford to make assumptions when it comes to cancer. These facts can help you understand the real risks of ignoring signs of breast cancers.
EMERGE INSURANCE AGENCY
Cecil Williams -