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5 Steps to Take When You’re a Victim of Identity Theft

Identity theft is one of the top consumer complaints in the U.S., according to the Federal Trade Commission (FTC), with nearly 400,000 complaints lodged in 2016. Common schemes criminals use to steal someone else’s identity include dumpster-diving to steal unshredded … Continue reading

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POSTED MAY 17, 2017 9:29 PM
Mercury Insurance is one of the best companies to work for in America…just ask Forbes!

It’s not just employees who are saying so – Forbes magazine recently named Mercury Insurance one of “America’s Best Mid-size Employers.” Corporate culture, work-life balance, career opportunities, stability and management are some of the top reasons people give when searching … Continue reading

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POSTED MAY 11, 2017 10:07 PM
Surviving the Next Major Disaster Before It Hits: A Supply Guide

The devastation that accompanies a major storm or a natural disaster often leaves Americans in the impacted area without power for hours to days or, even worse, displaces them from their homes. In fact, the U.S. experienced 91 weather, climate … Continue reading

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POSTED MAY 09, 2017 5:00 AM
Comprehensive Insurance

What is Comprehensive Insurance? Comprehensive insurance is optional coverage that protects you in the event your vehicle is damaged due to something other than a collision. This includes theft, vandalism, flood, hailstorm, and fire. In some states, comprehensive coverage includes … Continue reading

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POSTED MAY 02, 2017 5:00 AM
Protect Your Car From Auto Theft

Auto Theft Prevention According to the National Insurance Crime Bureau (NICB), the nation’s leading non-profit organization exclusively dedicated to preventing, detecting and defeating insurance fraud and vehicle theft, a vehicle is stolen every 33 seconds in the United States, which … Continue reading

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POSTED APRIL 25, 2017 5:00 AM
You Got Into a Car Crash…Now What

Automobile collisions can happen so fast that it’s easy to become disoriented, and you may not be thinking straight immediately after the accident. So, what do you do next? Ideally, you’re prepared and have your license, vehicle registration and auto … Continue reading

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POSTED APRIL 11, 2017 3:22 PM
4 Tax Identity Theft Scams to Watch For

Tax season is well underway, and that means your tax refund—and your identity—are in play for identity thieves looking for an easy payday. Tax identity theft is a fast-growing crime, impacting more than 260,000 victims a year and costing the … Continue reading

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POSTED APRIL 04, 2017 12:53 PM
Preparing Your Home for Unusual and Severe Weather

Heavy rains and record snowfall have brought nearly the entire state of California out of its years-long drought.1 While rainwater filled up reservoirs, it also devastated roadways, flooded communities and forced evacuations. Flooding from overflowing Coyote Creek in San Jose … Continue reading

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POSTED MARCH 28, 2017 2:19 PM
In-car Technology to Look for in 2017

Modern vehicle technology is evolving at an accelerated pace, making strides to give drivers and passengers an increasingly more comfortable, luxurious, safe and convenient in-car experience. Mercury Insurance examines some of the newest features car buyers can look forward to … Continue reading

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POSTED MARCH 21, 2017 5:00 AM
Five Money-Saving Car Maintenance Tips to Suit Your Budget

Every daily commuter or weekend warrior knows that keeping your vehicle in good running condition is an important part of ownership – after all, significant repairs can cost a pretty penny. Depending on the make and model of your vehicle, … Continue reading

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POSTED MARCH 14, 2017 7:34 PM

From the Tower | By Tower Hill Insurance

Tower Hill Flood Program Rate Savings
A leading provider of residential property insurance in Florida, Tower Hill Insurance now offers stand-alone flood policies with coverage up to $5 million. Standard coverage through the National Flood Insurance Program (NFIP) is only available up to $250,000 for most homes. Tower Hill provides Florida homeowners significant advantages over the standard NFIP policies, through our […]

POSTED MARCH 22, 2017 1:12 PM
Built by Association
The differences between Homeowners Associations, Townhome Associations, and Condo Associations

POSTED FEBRUARY 27, 2017 3:30 PM
Introduction to the Commercial Lines Agency Portal
Rebecca Neville, Commercial Lines Marketing Specialist walks you through how to navigate the commercial lines agency portal.

POSTED FEBRUARY 09, 2017 3:57 PM
The Commercial Underwriting Menu
Crafting commercial policies for your clients can feel a lot like ordering a la carte at a restaurant....

POSTED NOVEMBER 03, 2016 1:00 PM
How to Quote in RPM


POSTED SEPTEMBER 20, 2016 2:42 PM
Introducing the Tower Hill Private Flood Program
Tower Hill’s new private flood program offers Florida homeowners significant advantages over standard NFIP policies.

POSTED AUGUST 19, 2016 7:00 PM
Part 1: Commercial Lines Online Quote & Bind
Benjamin Rosenek demonstrates a Quick Quote and Bind in the Commercial Agency Portal.

POSTED AUGUST 10, 2016 7:00 PM
Part 2: Commercial Lines Detailed Quote & Bind Steps
Benjamin Rosenek reviews in detail the Commercial Online Quote & Bind Process.

POSTED AUGUST 10, 2016 6:30 PM
Part 3: Commercial Lines Quote & Bind Specific Scenarios and Additional Features
Benjamin Rosenek reviews specific BOP and Monoline Property policy scenarios, and additional features in the Commercial Online Quote & Bind Portal.

POSTED AUGUST 10, 2016 6:00 PM
Expansions, Enhancements, and Ease — Oh My!
Competitive pricing in Tower Hill Prime Commercial Lines....

POSTED AUGUST 09, 2016 1:27 PM

News – Insurance Journal

Swiss Re Places $925M Cat Bond for California Earthquake Authority
Swiss Re Capital Markets Corp. has successfully structured and placed the issuance of $925 million of insurance-linked securities for the California Earthquake Authority. Swiss Re Capital Markets underwrote the transaction through two classes of principal-at-risk variable rate notes issued by …

POSTED MAY 23, 2017 2:33 PM
EPB&B in Oregon Partners with ISU Insurance Network
Portland, Ore.-based Elliott, Powell, Baden & Baker has partnered with ISU Insurance Agency Network. EPB&B offers business and personal insurance. San Francisco, Calif.-based ISU Network is a organization with 180 mid-sized agencies in 30 states. Member agencies maintain local ownership.

POSTED MAY 23, 2017 2:13 PM
Zurich’s Bauman Joins XL Catlin to Head Global Programs, Captives
XL Catlin said it is expanding its global insurance programs and captive business with the appointment of Steven Bauman as head of its global programs and captive practice in North America. Bauman will provide technical support across business lines in structuring global captive programs, ensure …

POSTED MAY 23, 2017 1:32 PM
Cyber Security Firms in Spotlight Following WannaCry Attack
For Kris Hagerman, chief executive of UK-based cyber security firm Sophos Group Plc, the past week could have been bad. The WannaCry “ransomware” attack hobbled some of its hospital customers in Britain’s National Health Service, forcing them to turn away …

POSTED MAY 23, 2017 1:27 PM
Deadly Times Square Attack Highlights NYC Pedestrian Safety
Fears of a terrorist attack prompted officials to ring many of the pedestrian plazas of Times Square with squat steel posts capable of stopping a speeding vehicle. But those barriers only cover so much ground. There were none of them …

POSTED MAY 23, 2017 12:25 PM
IIABNY Installs HF&C’s MacDonald as Chairman of the Board
The Independent Insurance Agent & Broker Association of New York (IIABNY) installed Richard MacDonald as chairman of the board on May 11, 2017. IIABNY exists to fulfill the educational, political, and business interests of more than 1,750 independent agencies and …

POSTED MAY 23, 2017 12:24 PM
MGA Globe Underwriting Launches Marine Division with UK, Int’l Focus
Globe Underwriting, the UK-based managing general agent, has announced the launch of its marine division. The five-strong team is led by Peter Rogers, head of marine, and David Dymond, head of underwriting. They will report to Gary Corke, CEO, Globe …

POSTED MAY 23, 2017 11:19 AM
A.M. Best Places Ratings of Sompo Japan Canopius Re Under Review
A.M. Best has placed under review with developing implications the financial strength rating of A (Excellent) and the Long-Term Issuer Credit Rating of “a+” of Zurich-based Sompo Japan Canopius Reinsurance AG. The credit rating action follows the successful completion the …

POSTED MAY 23, 2017 11:03 AM
Insured Losses for Europe’s Windstorm Thomas Rise to $279.2M: PERILS  
The latest property insured loss estimate for Windstorm Thomas, which on Feb. 23-24 hit the British Isles, the Netherlands, Belgium and Germany, is €249 million (US$279.2 million), according to PERILS, the independent Zurich-based organization that provides industry-wide catastrophe insurance data. …

POSTED MAY 23, 2017 10:31 AM
Pennsylvania’s Lacher & Associates Acquires Brunner Insurance
Lacher & Associates of Souderton, Penn., has acquired Brunner Insurance of Richlandtown, Penn. Founded by Gus Brunner in 1960, Brunner Insurance specializes in providing for the insurance needs of families and businesses. In 1995, Brunner transitioned the agency to Don …

POSTED MAY 23, 2017 10:14 AM
Maine’s Clark Insurance Appoints Ellis and Fifield as Senior Account Executives
Clark Insurance, a Portland, Maine-based independent insurance agency, has appointed Joshua Ellis and Joshua Fifield as senior account executives in the business insurance department of Clark Insurance. Ellis joined Clark in 2009 after serving as a claim adjuster for workers’ …

POSTED MAY 23, 2017 10:06 AM
Uber Drivers Arrested in Hong Kong for Driving Without Insurance
Hong Kong police on Tuesday arrested 21 Uber drivers for illegal car-hiring as part of a clamp down against Uber Technologies Inc.’s operations in the Asian financial city. The arrests marked the latest upset for the San Francisco-based technology company, …

POSTED MAY 23, 2017 10:02 AM
JLT Specialty USA Appoints Levitt as Executive Vice President in New York
JLT Specialty USA, a U.S. subsidiary of Jardine Lloyd Thompson Group plc. (JLT), has appointed Gabe Levitt as executive vice president. Based in New York, Levitt will join JLT’s New York office and focus on servicing private equity firms, real …

POSTED MAY 23, 2017 10:00 AM
China Firms View Political Risks as Top Concern for Belt & Road Project
As the global limelight fades from President Xi Jinping’s “Belt and Road” summit, the main actors — Chinese state-owned companies — are warning about the political risks they face along the route. Earlier this month Xi outlined plans to direct …

POSTED MAY 23, 2017 9:47 AM
Britain Reels from Suicide Attack; Children Among 22 Dead
Britain is reeling from last night’s terror attack that killed 22 people at a concert by U.S. pop star Ariana Grande in the northern city of Manchester. It bore all the hallmarks of a suicide bombing and children are among …

POSTED MAY 23, 2017 9:26 AM
North Carolina Woman Awarded $1.5M in Construction Safety Whistleblower Suit
A federal jury has awarded $1.5 million to a former North Carolina fire investigator who said she was fired after complaining about the safety of construction work at an office building. The Charlotte Observer reported that a jury ruled May …

POSTED MAY 23, 2017 5:45 AM
Tennessee Insurance Producer Fined $400K for Misappropriation of Client Premiums
The Tennessee Department of Commerce and Insurance (TDCI) has taken disciplinary action against Carey R. Carroll, Jr., a Knoxville-based former Tennessee insurance producer who was found to have violated multiple provisions of Tennessee law resulting in a $400,000 penalty and …

POSTED MAY 23, 2017 5:19 AM
Today’s Climate of Crime, Safety and Security at Schools, Colleges
One in every 5 middle and high school students has complained of being bullied at school and the number of reports of sexual assault on college campuses has more than tripled over the past decade, according to a federal study. …

POSTED MAY 23, 2017 5:00 AM
Cyber Insurance Sales Continue to Grow, Prices Stabilize, Brokers Report
Businesses are buying more cyber insurance and prices for the coverage are stabilizing, according to the latest survey by The Council of Insurance Agents and Brokers. According to the survey of about 100 commercial lines brokers, about 32 percent of …

POSTED MAY 23, 2017 5:00 AM
Patients on Opioids Before Knee Surgery Have Worse Pain Outcomes
Six months after knee replacement surgery, pain outcomes were not as good for patients who previously took prescription opioids, according to a study in the May 17 issue of The Journal of Bone & Joint Surgery. “Our results should be viewed as a …

POSTED MAY 23, 2017 5:00 AM
WannaCry Attack Could Be Opportunity for Cautious Insurance Industry: A.M. Best
According to a rating agency A.M. Best, the the recent WannaCry ransomware attack could be a benefit to the insurance industry if it leads to better-crafted policies with clear language that provide the desired protection for policyholders. A.M. Best said …

POSTED MAY 23, 2017 5:00 AM
California Commissioner Lowers Workers’ Comp Pure Premium
California Insurance Commissioner Dave Jones issued a revised advisory pure premium rate, lowering the benchmark to $2.02 per $100 of payroll for workers’ compensation insurance effective July 1. This is 16.5 percent less than the average pure premium rate of …

POSTED MAY 22, 2017 11:10 PM
California’s Comp Insurers Had 5.1% More in Direct Written Premium in 2016
California workers’ compensation insurers wrote $12.96 billion in direct written premium last year, an increase of $628 million, or 5.1 percent, from the prior year, according to new data from the National Association of Insurance Commissioners released by the California …

POSTED MAY 22, 2017 7:11 PM
Louisiana Getting Another $51M in Federal Flood Aid
Louisiana’s getting another $51 million in federal dollars to help with recovery from last year’s floods. U.S. Sen. Bill Cassidy announced the latest figure Thursday. He says the U.S. Department of Housing and Urban Development released information about how it …

POSTED MAY 22, 2017 4:56 PM
Ohio Bill Would Limit Access to Workers’ Comp for Workers Here Illegally
The Ohio House has approved a workers’ compensation budget that blocks workers living in the country illegally who get hurt on the job from accessing compensation benefits. The Columbus Dispatch reports the bill was approved after a strong debate. Democratic …

POSTED MAY 22, 2017 4:49 PM
Ohio Steel Plant Faces $280K Fine for Safety Violations
A federal safety group says it has proposed a $280,000 fine against an Ohio steel plant for violations over lead exposure and hazards caused by unsafe machinery. The Occupational Safety and Health Administration announced the proposed fine Friday against Republic …

POSTED MAY 22, 2017 4:46 PM
Cyberattack Cost Michigan Utility $2M, 14 Employees
A utility company in Lansing, Mich., is still transitioning back to stability after a cyberattack temporarily disabled the company’s internal network and required it to pay a $25,000 ransom. Dick Peffley, general manager for the Board of Water & Light, …

POSTED MAY 22, 2017 4:44 PM
Texas Senate Passes Texting While Driving Ban
The Texas Senate on May 19 passed a measure banning texting while driving statewide. HB 62 by Midland Rep. Tom Craddick previously was approved by the House. While more than 100 cities in the state have texting and driving bans …

POSTED MAY 22, 2017 4:40 PM
Insurance to Pay for up to $57M in Damage to Washington Waste Treatment Plant
An analysis says equipment failures caused between $49 million and $57 million of damage at the Washington’s largest sewage treatment plant. KING-TV reported  the analysis was released related to damage at the West Point Wastewater Treatment Plant in Seattle. The …

POSTED MAY 22, 2017 3:10 PM
$173K Settlement Revealed in Utah State Student ‘Slack Line’ Death
Utah State University has agreed to pay $172,500 to the parents of a student killed four years ago when he hit a slack line rope tied between two trees while he was biking on campus, according to documents released by …

POSTED MAY 22, 2017 3:06 PM

Claims

Autonomous vehicles & California's Prop 103
Autonomous vehicles’ promise of no brake pedals, no steering wheel and virtually no human error has insurance leaders questioning whether Prop 103’s days are numbered.

POSTED MAY 23, 2017 6:00 AM
Lawyer fails to compel insurer to retroactvely provide malpractice coverage
An appellate court in New Jersey has ruled that a lawyer could not compel an insurance company to retroactively provide professional liability coverage to him.

POSTED MAY 23, 2017 5:45 AM
Millennials: Reaching a new generation of employees and customers
Technology, speed and loyalty matter to millennials.

POSTED MAY 23, 2017 5:30 AM
A motorcycle is stolen somewhere in the U.S. every 11 minutes
A total of 46,467 motorcycles were reported stolen in the U.S. in 2016, compared with 45,555 reported stolen in 2015 — an increase of 2 percent.

POSTED MAY 22, 2017 6:15 AM
Leave the driving to us?
Autonomous vehicles may cause some unintended consequences for insurers and manufacturers.

POSTED MAY 22, 2017 6:00 AM
Hobbyists' path to drone flying gets easier as court rebuffs FAA
The government’s authority to oversee burgeoning recreational drone use was dealt a setback when a federal appeals court barred the FAA from forcing hobbyists to register millions of unmanned aircraft.

POSTED MAY 19, 2017 2:16 PM
Jury awards $40M to offshore oil well owner in ‘message’ to insurer
The trial revolved around claims that the well’s insurer, Lloyd’s of London, improperly refused to reimburse some of the expenses the insured incurred to repair and replace the hurricane-damaged well.

POSTED MAY 19, 2017 6:15 AM
6 keys to successfully weathering the storm
While we cannot control the weather, we can manage our level of preparation for what is to come.

POSTED MAY 19, 2017 12:01 AM
Report: Autonomous cars to drive $81 billion in new insurance premiums
The market for autonomous vehicle coverage is expected to expand quickly due to risks related to cybersecurity, software and hardware, as well as the need for additional public infrastructure coverage.

POSTED MAY 18, 2017 1:46 PM
Daily responsibilities of an auto claims adjuster
Auto claims adjusters rarely have 'just another day at the office.'

POSTED MAY 18, 2017 7:00 AM
What it takes to attract and keep insurance & financial services employees
Beyond wages and benefits, workers want flexibility and career development.

POSTED MAY 18, 2017 6:30 AM
Something’s fishy: Scallops spoiled, but will coverage provide the net?
When a cargo of scallops was spoiled in transit, but there was no obvious cause, an insurer challenged whether this was an 'occurrence' under the policy.

POSTED MAY 17, 2017 11:15 AM
Protections for La. policyholders impacted by Aug. 2016 flooding extended
Many Louisiana residents are still recovering from last August's devastating floods. To help, the insurance commissioner is continuing the suspension of certain regulations.

POSTED MAY 17, 2017 6:15 AM
Can legislation change who’s at fault?
New Florida statute may just shift the insurance burden.

POSTED MAY 17, 2017 5:30 AM
Backyard danger! Swings, slides & other play things pose risk, safety concerns
Far too often, fun and games on the backyard play set or at the community playground can lead to injuries — and even death. Are your clients protected?

POSTED MAY 17, 2017 12:01 AM
Impact of SB 863 on California workers’ comp system 4 years later [report]
What has been the impact of California's workers' comp reform measures, enacted in 2013? Here are some key findings from a new report from WRCI.

POSTED MAY 16, 2017 1:45 PM
Who's liable for improper automotive electrical wiring?
Smoke under the hood led to a far more serious problem.

POSTED MAY 16, 2017 7:00 AM
Expect a slow start to the eastern Pacific hurricane season
Pacific storms can cause massive damage to Mexico’s Pacific coast and may even spark flooding across the U.S. Southwest.

POSTED MAY 16, 2017 5:45 AM
Assessing risk to hotels in the age of data breaches
Relying on a general liability insurance policy is risky.

POSTED MAY 15, 2017 6:00 AM

Risk Management

WannaCry means gotta act: Lessons in ransomware’s wake
Ransomware and other evolving threats will increase in frequency and sophistication. Firms need a comprehensive cyber risk management strategy.

POSTED MAY 23, 2017 6:00 AM
Millennials: Reaching a new generation of employees and customers
Technology, speed and loyalty matter to millennials.

POSTED MAY 23, 2017 5:30 AM
5 ways to make festival-style concerts safe and enjoyable
The Fyre Festival became the overnight talk of social media and the fodder of talk show hosts the first weekend of May.

POSTED MAY 23, 2017 12:01 AM
Humans: The weakest link in social engineering and cyber attacks
Because social engineering is an evolving risk, conduct insurance policy reviews often to ensure that business clients are adequately protected should they fall victim to social engineering fraud.

POSTED MAY 22, 2017 6:00 AM
Jury awards $40M to offshore oil well owner in ‘message’ to insurer
The trial revolved around claims that the well’s insurer, Lloyd’s of London, improperly refused to reimburse some of the expenses the insured incurred to repair and replace the hurricane-damaged well.

POSTED MAY 19, 2017 6:15 AM
6 keys to successfully weathering the storm
While we cannot control the weather, we can manage our level of preparation for what is to come.

POSTED MAY 19, 2017 12:01 AM
Report: Autonomous cars to drive $81 billion in new insurance premiums
The market for autonomous vehicle coverage is expected to expand quickly due to risks related to cybersecurity, software and hardware, as well as the need for additional public infrastructure coverage.

POSTED MAY 18, 2017 1:46 PM
Key findings for businesses from the 2017 FM Global Resilience Index report
With the number of challenges likely to expand in 2017, businesses worldwide need to know how they can overcome future disruptions.

POSTED MAY 18, 2017 6:30 AM
N.Y. to auto insurers: Don't use education or occupation in setting rates
N.Y. State proposes a regulation to prohibit insurers from using education levels or occupational status in setting auto insurance rates, which are seen as 'unfairly discriminatory.'

POSTED MAY 18, 2017 6:00 AM
Something’s fishy: Scallops spoiled, but will coverage provide the net?
When a cargo of scallops was spoiled in transit, but there was no obvious cause, an insurer challenged whether this was an 'occurrence' under the policy.

POSTED MAY 17, 2017 11:15 AM
Protections for La. policyholders impacted by Aug. 2016 flooding extended
Many Louisiana residents are still recovering from last August's devastating floods. To help, the insurance commissioner is continuing the suspension of certain regulations.

POSTED MAY 17, 2017 6:15 AM
Ransomware attacks leave businesses and insurers exposed
WannaCry has insurers evaluating damage and exposures. What lines of business will be responsible for coverage?

POSTED MAY 17, 2017 5:30 AM
Backyard danger! Swings, slides & other play things pose risk, safety concerns
Far too often, fun and games on the backyard play set or at the community playground can lead to injuries — and even death. Are your clients protected?

POSTED MAY 17, 2017 12:01 AM
Impact of SB 863 on California workers’ comp system 4 years later [report]
What has been the impact of California's workers' comp reform measures, enacted in 2013? Here are some key findings from a new report from WRCI.

POSTED MAY 16, 2017 1:45 PM
Insurance experts: WannaCry calls for tougher cyber security
Insurance executives report that the real impact from the WannaCry virus will surface in business interruption expenses, which could cost approximately $8 billion worldwide.

POSTED MAY 16, 2017 9:30 AM
Who's liable for improper automotive electrical wiring?
Smoke under the hood led to a far more serious problem.

POSTED MAY 16, 2017 7:00 AM
Expect a slow start to the eastern Pacific hurricane season
Pacific storms can cause massive damage to Mexico’s Pacific coast and may even spark flooding across the U.S. Southwest.

POSTED MAY 16, 2017 5:45 AM
Steering clear of malware, bots and phish-infested waters
How would you feel about telling your customers their information has been compromised?

POSTED MAY 15, 2017 1:46 PM
Assessing risk to hotels in the age of data breaches
Relying on a general liability insurance policy is risky.

POSTED MAY 15, 2017 6:00 AM

NOTICE: The links and articles found on or within this news center are simply for informational purposes that we believe may be of benefit to our clients and/or website visitors. By providing these links on our website, we are not recommending or endorsing the use of the particular products or services these third parties offer. Nor does Coggins Insurance Agency confirm, corroborate or agree to the statistics or opinions on these links and articles. We urge you to review each website’s Privacy Policy, Disclaimers, and develop an independent opinion of the service or product for any link pursued.