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Business Insurance, Insurance Terms


ZAGAT REPORTS RESTAURANTS BANDING TOGETHER TO CHASE INSURANCE COMPANIES FOR
DENIED PANDEMIC CLAIMS

July 29, 2020 22adminan

With my history of decades in the food service industry, and my occupation as an
insurance agent, this is a concerning read (link below). Obviously, as a Zagat
article, there is much here that demonstrates a lack of understanding of
insurance. One point that is fair from the business owners perspective is they
buy a possibly poorly-worded “general” coverage called “Business Income”
coverage (aka Business Interruption), and without reading policy documents and
definitions, it is easy to misunderstand what this coverage is. The same is true
for many insurance coverages that have abbreviated, commonly referenced With my
history of decades in the food service industry, and my occupation as an
insurance agent, this is a concerning read. Obviously, as a Zagat article, there
is much here that demonstrates a lack of understanding of insurance. Similarly,
I understand that a business owner buys “what they believe to be a generalized”
coverage called “Business Income” coverage (aka Business Interruption), and
without reading policy documents and definitions, it is easy to misunderstand
what this coverage is. The same is true for many insurance coverages that have
commonly used abbreviated names or titles: Damage to Premises is another
important one that doesn’t actually mean what it generally sounds like, as is
Personal Injury, Voluntary Property Damage, Additional Insured, Employers
Liability, Non-Owned Auto, Inland Marine, and so on… These are short names for a
specific type of coverage that has to be read, understood, or discussed with
your agent if you want to know what it REALLY means. So, the miscommunication
problem is that policyholders feel like “business income” covers any loss of
income, when that is not what it means – that is just an abbreviated term/title
for a much more specific type of coverage.

Unfortunately, we all realize that the small, private restaurateur is in an
existential crisis. I wish that were not true and that there were an easier
solution to help restaurateurs. The food service business model currently has to
be radically redefined if there is any hope of surviving, and whether there
actually is a long term sustainable model is a big, scary unknown. The primary
general purpose of insurance is to be there as a failsafe – to help “make you
whole” when there is a circumstance beyond your control that is potentially
financially devastating. Clearly, Covid-19 fits exactly into that “primary
intent,” however over time as insurance has evolved, there is also a strong case
to be made as to why current Business Income claims are being denied. This is
disappointing to hear as a business owner because you’d like to believe that
“you are buying insurance to protect you against (all) unknowns.” Add to this
the overwhelming frustrating legalese of insurance policy forms, and there is
plenty of frustration to go around.

A couple of points I’d like to make from my personal perspective:

“A fundamental principle of insurance law is that if something is not
specifically excluded, it’s included.” – This is a tricky one. I wouldn’t agree,
but would rather clarify two aspects of when this might apply, neither of which
apply to Business Income coverage. First, on a Personal Lines Homeowners policy,
there is a policy form type called an HO-5, or an “all risk” policy that
provides “Special Coverage on Personal Property.” This does indeed mean that for
the contents (ONLY! Does not apply to the building!) of your home that you own,
every cause of loss is covered unless it is specifically excluded. This
endorsement can also be added to many types of regular HO-3 policies. In actual
practice, a very, very small percentage of homeowners policies have either this
coverage form or this endorsement – up front people don’t want to pay extra for
this. However, the Zagat article is not about personal insurance in any way, it
is about commercial insurance. Commercial insurance is written on very different
forms. The coverage that best approximates the statement is General Liability, a
fundamental principle of which is that, “as long as you accurately state (and
underwriting approves you for) your intended operations at the inception (and
every renewal) of the policy, then any new operations you may begin during the
policy term are covered.” Keep in mind that “covered” for General Liability
means that if your work causes bodily injury or property damage to others due to
your negligence (through action or inaction), then the coverage comes into play
(unless excluded). As regards commercial insurance, a more appropriate phrase
might be “Insurance doesn’t cover every possible thing, it only covers what it
says it covers.”

“The government should get involved because they mandated the closure.” This
would seem really what is needed here – the protection of the populace is the
purpose for government health directives, so some type of assistance for those
business hit hardest would seem to be in order. I’ll use this to clarify what
the “Business Income” coverage on a commercial insurance policy is – as that is
a source of most of the misunderstanding as to why many claims are being denied.
Forget about the communicable disease exclusion for a minute – that is another
article. Consider from an insurer standpoint that they are not going to be able
to cover business income for ANY reason – they simply cannot take on unlimited
risk, insurers are not themselves intentionally meaning to go out of business.
To help clarify what this coverage is and how it evolved, they added it as an
ENDORSEMENT onto an existing LINE of coverage. That line of coverage is
Commercial Property. So, Business Income is an enhancement of property coverage.
Because it is a property coverage, it requires a property “Covered Cause of
Loss” in order to trigger. While the Special Causes of Loss form for business
property is broad, keep in mind that it still requires some type of property
loss (aka damage) in order to trigger. Thus, the intent, and the wording of this
coverage that has the name “business income” should really be understood as
“Business income in the event of a property loss.” In other words, it’s like
towing coverage after an auto accident. You may not have towing covered for ANY
cause of loss on an auto policy, but if your auto is in a covered accident
(somebody hits you, you run into a tree), then towing of your vehicle after that
accident is covered. The intent (and the wording of policy documents will show
this) of the coverage with the abbreviated/common name of “business income” is
that when the contractor next door runs a bulldozer through your water supply
lines, or a customer drives their vehicle through the wall of your restaurant,
THEN the loss of business income as a result of that “triggering” property loss
is meant to be covered.

Regardless of the outcome of this situation, the lesson here is to ask questions
and to take an interest in understanding what your policy is and what it is not.
Don’t think that you’re purchasing a blanket of protection, when what you’re
actually getting is coverage for common yet defined scenarios.

The above is in response to the following article:
https://stories.zagat.com/posts/restaurants-banding-together-to-chase-insurance-companies-for-denied-pandemic-claims

Business Insurance, Film Insurance, General Liability, Insurance Terms


WHY DOES EVERYBODY WANT TO BE AN ADDITIONAL INSURED?

January 25, 2014 22adminan

> Sometimes I have to name other people as an Additional Insured. Sometimes I’m
> required to have my subcontractors name ME as an Additional Insured.

What’s it all mean, and why are so many Additional Insureds being thrown around?

The short answer is “sh** flows downhill.”

The medium answer is that Additional Insured allows for “risk transfer.” Risk
Transfer allows the party closest to the actual negligence to be able to legally
and financially (through insurance) respond to a claim.

And the long answer:

When YOU add someone to YOUR insurance “as Additional Insured,” you are
protecting that entity against YOUR company’s negligence.

Similarly, when someone adds YOU to THEIR insurance “as Additional Insured,” you
are protecting YOURSELF against THEIR negligence.

VERY IMPORTANT

Additional Insured is NOT THE SAME THING as Additional NAMED Insured. These are
VERY different!

An Additional Named Insured is typically another operating company that has the
same ownership constituency as your company does (e.g. you are 100% owner of
both entities).

Most importantly, being listed As Additional Insured on someone else’s policy
does NOT mean that you do not need insurance. Only your insurance covers your
negligence. Their insurance covers their negligence. Additional Insured status
does not change that.

Complicating the concepts of risk transfer and the use of Additional Insured, is
that there are three generally different legal applications, depending in which
state you/your company is domiciled & insured.  Some states allow (vicarious)
liability to be contractually transferred to other entities. Others provide only
for clearing of the non-negligent party’s name off of a lawsuit if they did not
contribute.

In addition, contracts between main contractors and subcontractors will contain
variously stringent applications of the concepts of “indemnify and hold
harmless,” and these can affect who responds to a claim. More on that in another
article.

The two main types of Additional Insured endorsement are:

 1. Blanket Additional Insured, -or-
    Blanket Where Required By Written Agreement
    This requires an agreement, in writing, executed prior to “occurrence” (and
    preferably prior to any working relationship) between the parties stating
    that one shall be required to name the other “as Additional Insured.” Very
    often this agreement will also have “indemnify and hold harmless” wording as
    well. There may be other requirements (below) in the agreement.
    
    
    
    1. When a “blanket” Additional Insured (AI) certificate is issued by an
       insurance agent, there is usually no official record with the insurance
       company themselves, and no specific policy paperwork that mentions THAT
       one Additional Insured entity. Certificates are kept on file with the
       agency. The only part of the insurance policy that indicates there is
       coverage is a “Blanket Additional Insured Endorsement,” and these come in
       several flavors (some for Owners, some for Permit Entities, some for
       Managers of Premises, etc).
 2. Schedule Additional Insured
    This type often does NOT require a written agreement be on file with the
    policyholder showing requirement of Additional Insured status.
    
    
    
    1. Scheduled AI status is accepted by the insurer (who may need to initially
       see the contract) and is recorded onto the policy documents for that
       specific AI entity. Often someone required Scheduled AI status will want
       to see the official policy document from the insurance company (not just
       the certificate from the agent) with their name on it.

There are additional clauses which can frequently come into play as regards
Additional Insureds, including:

 * Notice of Cancellation
   Very often, interested parties with whom you work will have a requirement to
   know if your policy is going to be cancelled, say for non-payment of premium.
   These parties, subject to approval by the insurer and usually a written
   requirement, can be sent official notification from your insurance company of
   any changes in your insured status, due to non-compliance, change of market
   appetite, non-payment or other reasons. Typically requested is 30-day advance
   written notice of cancellation, with a special exception of only 10-days for
   non-payment of premium
 * Waiver of Subrogation, -or-
   Waiver of Transfer of Rights of Recovery (against others to us)
   This Waiver is the agreement by the insurance company to “be on the hook” for
   payout of an insurance claim, EVEN IF it was caused by the waived party. This
   requires a written agreement (in advance, before any occurrence or claim)
   that requires the waiver.
   Without a Waiver of Subrogation, in the event of a loss, the insurer reserves
   the right to “legally become YOU” in court for the purposes of recovering
   damages (money) that they may have paid out, but they have discovered that
   someone you work with was actually at fault or negligent in some way.
   See this post for more information
 * Primary and Non-Contributory
   Your policy agrees to pay first, and the other entity’s policy acts as excess
   after your policy limit is exhausted. However, this endorsement is mostly
   irrelevant, as the most-negligent party (remember what flows downhill) is the
   one who always has to pay first before anyone else.

Business Insurance, Film Insurance, General Liability, Special Events


GENERAL LIABILITY DOESN’T COVER MY LIABILITY (VENUE/PREMISES)???

February 15, 2013 22adminan

Did you know:

 * General Liability excludes coverage for your liability for property damage to
   premises you use

With the exception of a few specific cases:

 * Damage to the building portion only,
   * IF by fire
   * Only for your legal liability (claim must arise out of tort/out of your
     negligence)
 * OR damage to the building and contents rented,
   * IF occupied by you for a week or less (defined as seven consecutive days)
   * For any reason that you would be liable OTHER than fire

Both of the above are:

 * Subject to the “Damage to Premises Rented” sublimit shown in the declarations
   (usually $100,000 or less – and possibly $0)
 * Only for that portion of the premises occupied by you (does not extend if
   your damage spreads to other areas of the building)

Any other damage to premises that you occupy is NOT covered by General
Liability. If you pay attention to the statements above, you’ll see that a
situation such as “FIRE damage to CONTENTS of a location rented for LESS than
seven days” is NOT covered!

In addition, while General Liability contains Contractual Liability coverage,
that you might think could help out with (lease or usage agreement) contractual
requirement for coverage to premises,

 * No coverage is provided by your GL for premises solely by a requirement in a
   lease (if you are not legally liable, even if you have agreed to be
   responsible, there is no insurance coverage)

So, when you have a special event, or a film production, and you provide a
certificate showing that $1 million per occurrence general liability coverage,
and your agent has explained

> Liability comes in two parts:
> 
>  1. Injury to people (bodily injury), and
>  2. damage to property

you think that you’re covered.

You’re not.

This is very important, especially in film production, where a location may be
used for more than seven days (including a production office). You have a
coverage gap. You have an area where you believe you are covered, but you are
not.

There are (at least) three ways to provide for this potentially huge coverage
gap:

 1. Third Party Property Damage
    1. Covers property of others in your care, custody and control.
       1. This is the best coverage to add to cover a film location, but is
          generally NOT asked for by the locations who are asking for “General
          Liability only” certificates. So beware – without this coverage, you
          may have huge coverage gaps!
       2. Having a location owner listed as Loss Payee allows for direct payment
          and settlement with them in the event of a loss.
       3. This is the second most important film production insurance coverage
          to purchase, after General Liability!
 2. Tenant Liability Endorsement (up to $1 million)
 3. On a Commercial Property policy, you can add the Legal Liability Coverage
    Form, CP0040, which is for claims that arise from tort (you must be legally
    liable/negligent)

Business Insurance


SPECIALTY COVERAGE: CHILD CARE INSURANCE

January 21, 2012 22adminan

There is great coverage for child care centers and day care providers, the
people who work hard to care for and protect the children under their
supervision. Treat your business to the same level of care, attention and
protection! Features of this type of insurance can include:

 * General liability up to $ 3 million aggregate
 * Business Income @ Actual Loss Sustained up to 12 months
 * Coverage for water activites and even dog exposures for family child care
   facilities
 * Errors & Omissions / Professional Liability is included!
 * We have policies that do not automatically add an abduction exclusion

There are some operations that were previously excluded for preferred coverage
and had to go to more expensive “Excess and Secondary” markets, but insurers are
now able to consider on admitted & preferred “paper:”

 * You can operate up to 24 hours/day! (used to be 16 hours max)
 * Exclusion “buy backs” include optional abuse & molestation
 * We can now add excess medical/accident coverage for children, as long as no
   overnight care

These types of policies don’t have to be limited just to individual child
care. Agents can also look at coverage for your business that does group or
family care, 24 hour child care, Montessori schools, Pre-Schools, HeadStart
programs, LatchKey operations and Drop-In centers.

Natural Disasters


EARTHQUAKE IN NEW MEXICO?

September 14, 2011 22adminan

Earlier we discussed some of the insurance coverages pertaining to wildfires,
which we certainly see enough of here in the arid high-desert Southwest.
However, we found out on Tuesday morning that there had been a magnitude 4.0
earthquake affecting the entire northeast quadrant of the state late Monday
night September 12th – resulting in a “suspension of binding authority” on
homeowners and renters insurance policies for at least a day as long as no
aftershocks were experienced.

While a 4.0 magnitude (30,000/year = often felt, but minor damage) Richter scale
earth movement may not provoke even a raised eyebrow in some of you considering
events that happen elsewhere, there is still the real risk of structural damage
and other kinds of “insurable losses,” as well as a possible wake up call that
earthquakes can happen whereever you are – and that you should be considering
insurance coverage for them!

While residents of California may be commonly aware that a homeowners policy
does not cover any loss or damage due to earth movement (including earthquake),
that’s likely because they are regularly presented with an option to buy
additional earthquake coverage when they get homeowners insurance. If they have
a loan on their house and are in any sort of earthquake-prone zone, then the
lender would certainly require the insurance in order to close the loan.

Earthquake coverage, like flood insurance coverage, is something not included on
a homeowners policy – you have to ask for it and/or buy it on a separate policy.
The occurrence of a 4.0 earthquake in New Mexico this week has us all thinking
of the possibilities and new realities of the potential for loss.

Some homeowners insurance policies for homes located outside of earthquake prone
zones can allow you to consider “buying back” earth movement coverage for a few
dollars a month. Other earth movement policies can be purchased separately.

While the chances may be low that this could affect you, this week’s occurrence
right here at home should have you considering the risk of not insuring against
future possibilities. For details on earth movement coverage available for you,
please contact an agent

Independent Agents, Insurance Industry, Insurance Terms, Natural Disasters


WILDFIRES, BINDING AUTHORITY & JARGON

July 1, 2011 22adminan

There are multitude terms specific to any industry that are used by people in
that industry. Occasionally the understanding of those terms can have signicant
impacts on the general public. “Binding authority,” is a term used in the
insurance world to extend the “handshake agreement” to our day-to-day practices.
What binding authority allows your agent to do, is for most of the plain-vanilla
home, auto and small business policies, once an agent has rated it with a
company… you can then go into that agent’s office, sign some paperwork and pay
the down payment – and you can be covered immediately at that instant. That
“binding authority” is a courtesy allowed by standard & preferred insurance
companies to their agents which allows them to immediately transact business and
cover individuals.

This of course adds value to the local agent relationship. For policies that
have circumstances that warrant further investigation, consideration and
discussion between the agent and the “underwriter” at the insurance company,
sometimes binding authority will be suspended on a case by case basis.

For the past week, as I get into my car to head into work in the mornings, I
have to turn on my wipers to take what appears to be pollen off of my
windshield. While there certainly is a good deal of pollen in the air right now
at 7,800 feet in Santa Fe, unfortunately most of the “dust” on my car is not
actually pollen, but is ash falling out of the air from the multiple wildfires
happening in the southwest. This year seems to have been one of freakish “global
winding” issues with massive tornados and extended extreme winds.

Santa Fe, New Mexico, which is about 250 miles from the Wallow fire burning on
the AZ-NM border has smelled like a campfire and the air is thick with ash &
smoke. Sunsets have been brilliant red – beautiful but deadly. The Wallow fire,
the largest of several burning at the moment, is exacerbated by extreme high
winds, which are causing burning embers to start new fires up to 3 miles ahead
of the front lines. Inciweb reports that over 2,000 firefighters are working
with 27 hotshot crews, 29 handcrews, 8 dozers, 141 fire engines, 46 watertenders
and 20 helicopters. In one week it has burned a third of million acres and is
considers 0% contained at the moment.

In the Southwest, we typically have visibility of 60 miles and over 300 days of
sunshine a year. The Santa Fe Ski Area and Santa Fe Baldy are only about 15
miles away from my window, easily within viewing distance. For a week now, the
air here, again 250 miles northeast of this fire, has still been so thick with
smoke that the mountain is completely invisible. It is regular practice for our
insurance companies to send us fax and email updates to “suspend binding
authority” for new homeowners policies in zip codes that have current wildfires
raging in them. Without that suspension of binding authority, an agent would
never know, and the insurance company inspector wouldn’t have time to find out,
whether somebody was potentially at risk of trying to insure-after-the fact.

Suspension of binding authority for auto policies is much rarer, however this
week in our offices we have begun to see that some companies are now suspending
binding authority for “physical damage” (comprehensive and collision) coverage
for either new or existing auto policies that are within the affected Arizona
zip codes. This is just another indication, specific to our industry, of the
size & impact of the tragedies made worse by the lack of precipitation this
season.

Considering this binding authority on “comprehensive and collision” brings to
mind a story I heard just yesterday in a conversation with a friend. It seems
that a relative had either seen an ad on television or received a flyer in the
mail and decided to switch their auto policy coverage from an insurance agency
to writing it themselves with a carrier who would quote and issue a policy
online and promise them a discount for doing so. Be wary of discounts, and
consider the value of the advice of a licensed insurance agent professional.

In this particular story, the person bought coverage and seemed to save a large
amount of money. Not reading the descriptions of coverage on the website, and
not examining closely their current “declarations pages” of their current policy
(where an agent can understand more of the data than the average person), this
couple decided to forego a coverage that didn’t seem to be needed, called
“comprehensive and collision.” Their policy premium went down a staggering
$50/month per vehicle and they were thrilled.

Thrilled that is, until 2 months later, when their vehicle, which they owned
outright but was only about six years old, was run into while driving in a
parking lot. Luckily, neither driver was injured, but the car was considered a
“total loss.” They called their insurance company to make a claim, and were
informed that because they did not have any physical damage coverage
(comprehensive, collision — or even uninsured/underinsured motorist physical
damage), there would be no settlement by the insurance company.

Stunned and financially impacted from having to purchase a new vehicle, this
couple has now returned to having an insurance policy written by an independent
insurance agent and is definitely now asking questions about their property to
make sure that they are covered.

The lessons here are to speak with your insurance agent. Don’t leave any stone
unturned. Go ahead and ask your questions. Your insurance agent’s job is to
protect your financial well being, piece of mind, to protect your assets, and to
protect you. Their (our) advice is well worth it!

Insurance Terms, Natural Disasters, New Mexico


POLICY WORDING: PROHIBITED USE (EVACUATION)

June 28, 2011 22adminan

When you go into your insurance agent’s office to get homeowners insurance,
you’re confronted with myriad questions and options are are likely concerned
mostly with getting done as soon as possible and finding a fair price. Your
insurance agent talks to you about “value” and “service,” but it sounds like
more marketing talk.

It’s not. Your insurance agent really is there to help you. If ever there’s a
good time to ask questions, to not stop until you understand everything, this is
it! What could be more important than losing your home?

After you’ve written your homeowner’s policy, a few weeks later you get a thick
packet in the mail. A document comprising a hundred pages or more gets removed
from the envelope and you probably stow it away in a drawer. It might occur to
you that some dark night when you’ve got no other reading material, that this
long policy might make for some excellent reading to put you right to sleep.
You’re right.

However, actually reading that policy can awaken you to a number of things, all
of them sooner or later important, about your policy. Many people think that the
document is constructed to be obtuse and “legalese” so that the insurance
company can have their own loopholes to get out of coverages in court.

Did you know that the state department of insurance approves the types of
coverage offered by those companies and will not let them wiggle out of things?

Those long, legalese documents contain plenty of added information about
additional coverages that you have, of which you might never have been aware.

With this year’s prolific fire season, and especially the 3 fires surrounding
the Santa Fe area right now, and excellent example of reading the fine print
pops up: Prohibited Use.
It is a very real reality that thousands of people in our surrounding
communities are being evacuated because of encroaching fire. In addition to the
severe emotional hardship involved in distilling your belongings down to what
will fit in a car, you worry additionally about having to locate to a mass
shelter or a run down motel. This coverage is here to help you out in this time.

Prohibited Use, if you have it (which you likely do) is in the Section I –
Additional Coverages portion of that long & boring document. Check your
sub-sections under Loss of Use. You’ll find Prohibited Use, which from one of
our companies reads thus:

> We will pay the reasonable increase in living expenses necessary to maintain
> your normal standard of living and the loss of fair rental income when access
> to the residence premises is denied by civil authorities because of a loss to
> a neighboring premises caused by a peril we insure against.

Note that the language in your policy may be different.

To consider this coverage, think about:

 1. 1. Does your normal standard of living include separate bedrooms, both a
       bath and a shower, a full kitchen and an outdoor entertainment area? Mine
       does. A small motel does not have that “normal standard of living.” (of
       course in the event of an evacuation, your lodging options may be limited
       – consider driving a bit further to have a little more comfort in this
       time of need)
    2. Access to premises denied by civil authorities. In my world, mandatory
       evacuation fits that description perfectly.
    3. A neighboring premises… caused by a peril we insure against. Does
       homeowners insure against fire? You betcha. Is the surrounding forest
       neighboring premises? You betcha

Nobody is suggesting that evacuating your home due to a fire is a vacation, but
your homeowners insurance company is there to help – in the areas in which they
specialize or are responsible – to take as much of the problem, discomfort and
difficulty away by paying for you to reside in a location as much like your home
and standard of living as what you left.

One important difference between policies to pay attention to will occur in the
next sentence in your policy – and that is the length of time that coverage is
provided for this. Hopefully, after that period of time, you’ll be able to
return back to your home safe and sound.

The lesson here is – even though it may look daunting and unfriendly, actually
sitting down and reading that long book of legalese can reveal a plethora of
coverages that help you, not hurt you.

We really ARE here to help.

Insurance Industry


POOL DRAIN COVER RECALL

June 1, 2011 22adminan

There have been some unfortunate and tragic incidents related to pool drain
covers in the news lately.  Our friends at Philadelphia Insurance’s Loss Control
program have advised us of the following Pool Drain Cover Recall that has come
as a result of incorrect flow rating by the CPSC:

On May 26th, the U.S. Consumer Products Safety Commission issued a news release
stating there is a voluntary recall of several retrofit or replacement drain
covers that were installed new or as a result of the “Virginia Graeme Baker Pool
& Safety Act” which was effective on Dec 19, 2008.

Per the recall “The drain covers were incorrectly rated to handle the flow of
water through the cover, which could pose a possible entrapment hazard to
swimmers and bathers.”

Visit CPSC Pool Drain Recall for more information. Each firm below has a website
with photos of the recalled drain cover models. Please verify that your pool is
not subject to this recall, or if your pool has a recalled drain cover, take
immediate steps to have the drain cover(s) replaced.

Eight Manufacturers are cooperating with the recall:

Company Model Information (websites) Dates Sold Remedy A&A aamfg.com December
2008 –
April 2011 Replacement or Retrofit AquaStar aquastarpoolproducts.com December
2008 –
April 2011 Replacement or Retrofit Color Match poolfittings.com December 2008 –
April 2011 Replacement or Retrofit Custom Molded Products c-m-p.com December
2008 –
April 2011 Replacement or Retrofit Hayward Pool Products hayward-pool.com
December 2008 –
April 2011 Replacement or Retrofit Pentair Water Pool & Spa pentairpool.com June
2009 –
April 2011 Replacement or Retrofit Rising Dragon risingdragonplastics.com
December 2008 –
April 2011 Replacement or Retrofit Waterway waterwayplastics.com December 2008 –
April 2011 Replacement or Retrofit

California, Homeowners Insurance, Natural Disasters, New Mexico, Tips


TIPS TO PREPARE FOR A WILDFIRE

May 15, 2011 22adminan

From our friends at Acuity Insurance comes this information, which we don’t want
to have to think about, but it is better to consider this now and be prepared in
advance. This summer has shown a preponderance of dry, drought conditions and
high temperatures leading unfortunately to terrible fires burning around the
Southwest.

Listed here are several suggestions that you can implement immediately. Others
need to be considered at the time of construction or remodeling. You should also
contact your local fire department, forestry office, emergency management office
or building department for information about local fire laws, building codes and
protection measures. Obtain local building codes and weed abatement ordinances
for structures built near wooded areas.

Find Out What Your Fire Risk Is

Learn about the history of wildfire in your area. Be aware of recent weather. A
long period without rain increases the risk of wildfire. Consider having a
professional inspect your property and offer recommendations for reducing the
wildfire risk. Determine your community’s ability to respond to wildfire.

 * Are roads leading to your property clearly marked?
 * Are the roads wide enough to allow firefighting equipment to get through?
 * Is your house number visible from the roadside?

Learn and teach safe fire practices.

 * Build fires away from nearby trees or bushes.
 * Always have a way to extinguish the fire quickly and completely.
 * Install smoke detectors on every level of your home and near sleeping areas.
 * Never leave a fire, even “just” a cigarette, burning unattended.
 * Avoid open burning completely, and especially during dry season.

Always be ready for an emergency evacuation.

 * Evacuation may be the only way to protect your family in a wildfire.
 * Know where to go and what to bring with you.
 * You should plan several escape routes in case roads are blocked by a
   wildfire.

Auto Insurance, FAQ


DOES MY AUTO INSURANCE COVER ME OUTSIDE THE THE STATE I RESIDE IN?

April 16, 2010 22adminan

Most insurance companies extend coverage throughout the United States and
Canada. If you’re not sure, call the customer service number shown on your
policy and ask.
Note that very few companies extend coverage into Mexico (you need to purchase
trip-specific Mexico Auto Insurance – contact us for details)


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