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The Rough Notes Company Inc.

Coverage Concerns

    FEELING THE LOVE, BUT NOT SHOWING IT

FEELING THE LOVE, BUT NOT SHOWING IT

FEELING THE LOVE, BUT NOT SHOWING IT Are agents and brokers coming up short as “primary care providers” to small business? By Joseph S. Harrington, CPCU Bloggers like to think that what they post will make a deep impression on readers, even though a posting amounts to a mere teaspoon in an ocean of online content. A little more than a year ago, Coverage Concerns featured a blog posting about

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    THOSE WHO CAUSE LOSSES MUST BE ACCOUNTABLE

THOSE WHO CAUSE LOSSES MUST BE ACCOUNTABLE

Those Who Cause Losses Must Be Accountable Insurance works best when a party that suffers a covered loss is fairly compensated for a loss that is eligible under a given insurance policy. Typically, such situations involve prompt notification to an insurer; quick, efficient investigation by claims personnel; and then, payment. We know that, commonly, a paid claim may not be the end. Ideally, the party that is responsible for injury

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    EARTHQUAKE INSURANCE

EARTHQUAKE INSURANCE

Earthquake insurance is a hard sell for clients who haven’t witnessed an earthquake. Other factors combine to make it even harder. What should you know to help protect clients? Earthquake Insurance When the big one happens, who will they come for? By Joseph S. Harrington, CPCU Missouri has long been known for being in the center of America, in politics and sentiment as well as location. If, therefore, the Show

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    AN UNENVIABLE DRIVING SITUATION

AN UNENVIABLE DRIVING SITUATION

An Unenviable Driving Situation Usually there is a sharp line between personal driving situations and those that qualify as commercial activities. A given vehicle use should be accompanied by the proper type and level of protection. Vehicle accidents are often traumatic, especially if they involve serious injury or, even, death. After an accident occurs, some calm should be introduced along the lines of having confidence in how insurance can assist

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    WIND DEDUCTIBLE BUYBACKS

WIND DEDUCTIBLE BUYBACKS

Separate wind deductibles are considered essential to maintaining affordable coverage in wind-prone regions, and they give policyholders greater financial incentive to implement wind-loss mitigation measures. At least theoretically. WIND DEDUCTIBLE BUYBACKS Does this now-common offering undermine mitigation efforts? By Joseph S. Harrington Working collectively, property insurers vigorously promote building codes, tax incentives, and other measures to encourage property owners to “build strong” and limit disaster losses. Working individually, however, insurers

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