Endorsements matter!

As the business world tries to “commoditize” insurance, there are more and more opportunities to differentiate and stand out.  All risks are not created the same and you need to look a little deeper in those “contracts” you are selling (Yes, we are ultimately non-lawyers selling contracts).  Different industries have different exposures and what may be a “hot” issue for one class of business, may not be for another.


One of the industries we specialize in is the Records Storage Industry.  This class of business was a natural off shoot of our messenger and courier program since a number of the clients we write, are in both areas of the industry.  One of the unique exposures of the records storage industry is the potential amount of time it takes to “recover” from a significant loss (Keep in mind that specific to this industry is a pricing structure where storage facility makes so much per box stored).  Take the scenario of a records storage warehouse having a large fire.  It will take time to do the debris removal, set up and operate a temporary location and rebuild the warehouse.  All this is similar to other types of businesses.  What is different is that the 10,000 boxes of records you had stored (that were lost in the fire) do not “instantly” show up when the warehouse is rebuilt and ready to open.  In fact, it can take years to amass those 10,000 boxes of records and have the same “revenue stream” that you had prior to the fire.  Many carriers that will write record storage firms offer extended period of recovery of up to 18 months, which most of the time is insufficient to protect these type of firm and leave the insured in a precarious position.  Offering an option for longer extended period of recovery will help the client cover the deficit they will have till they accumulate more boxes of records.  We were able to negotiate an extended period of recover of 3 years in our program.


It never hurts to ask if an endorsement can be modified or deleted (bought back).  The worst thing the carrier can say is no.  If you are able to get that enhanced or modified endorsement are you then adding value to your services to the insured?  YES!!!  Helps you to keep accounts too when you can point out enhancements to the coverage when going up against competing quotes.  Many times it is worth taking the time to find out what the “pain” is in their current program and what keeps them up at night.

Top 8 Reasons We Can’t Quote Your Submission

Every day we receive new business submissions from agents.  We love seeing new accounts come across that we can delve into!  Some agents really know their stuff and get us fully completed apps with all the extra bells and whistles needed for that spectacular submission.  But many times we, as brokers, find the submissions fall short and we have to go back and forth to get all the necessary information that wasn’t provided. Perhaps you have to do that, too, with your insureds.  We know how tough it can be!   It ends up being time consuming for all involved.

So, in order to form a more perfect union between us, here’s a list of reasons we normally find we can’t quote your submission:

  1. There is no Insured name on the application. Trust me, knowing the name of the insured you are going to write insurance for is important.  I know sometimes it seems we are mind readers but our clairvoyance doesn’t always extend to Insureds.
  2. The address is missing. Do they not have any address at all?  Are they living and working in their parent’s basement and are afraid to tell anyone? If that’s true, we still need their parent’s address.  I promise we won’t call their mom.
  3. Sales or receipts information is absent or just a guesstimate. It’s kind of important to give us that information so the account can be rated properly.  Also, there’s a big difference between $100,000 and $1,000,000 in receipts.  That extra zero can do a lot.
  4. The class codes are non-existent on the application. Yet another important piece of the rating puzzle.  Those codes give our carriers a better understanding of what the liability exposure is.  It also helps them determine the premium and any necessary exclusions.
  5. There is a bad explanation of the risk. Or no explanation of the risk.  We really do want to know what the insured is doing!  Plus sometimes the explanation helps solidify the class code to use, as there may be something that’s outside the norm.  If the company has a website that’s the most helpful – make sure you put that down!
  6. Property apps don’t have any pertinent information. You can’t just write down the address and hope for the best.  We have to know the year built and when the last updates were on ALL things (plumbing, electrical, roofing, etc.).  Is it a single home or a duplex?  A vacant building or a warehouse?  These are the questions that keep us up late at night.
  7. The loss history hasn’t been included. I would LOVE to just take the insured’s word that they have never had a loss.  Unfortunately, we need proof in this business. And please, please, send loss runs that have just been run within the last 30-60 days.  We can’t hope that those loss runs you received in 2014 are still the same today.
  8. Expiring and Target premium hasn’t been advised. Nobody likes to spin their wheels, getting nowhere after a lot of hard work.  If we know the insured’s expiring premium and what number we need to work at being at or under, then we have a better chance of getting you a quote that your insured will like.

When it comes down to it, we’re here to help you give your insured the best coverage for the best price.  I know it may seem like we’re grumbling about these submissions, but it’s only so we can offer you our best.  We want you and your insured to be happy!

cathyCathy Thurber has over 10 years’ experience in the insurance industry and likes to think she’s learned a few things along the way, one of which being to not take herself too seriously.  She would love to say she has as many cool expertise’s as her fellow blogger, Ken Kukral, but she’s just not as old as him.  Cathy is a voracious reader and a total word nerd.  Most importantly, she’s been married to her favorite person for almost twenty years and has two kids that she actually likes.  However, the dog is her favorite child and she’s been wheedling for a cat for years.  Perhaps this is the lucky year?

Time to read the ISO Manual again…

When I started in the insurance business some 30 years ago, I began as an underwriter.  This meant I needed to learn the “rules” and how to do rating if I was ever going to put out a quote.  As a wholesale broker I needed to figure out pricing, terms and how to sell the underwriter on accounts that were “submit”.  I always felt I needed to know a significant amount of information if I was going to have the “upper hand” with both carriers and clients.  This was my basis of eventually becoming a “coverage guy”.

Part of my initial training was reading and understanding specific sections of the ISO Commercial Lines Manual.  Without this, I wouldn’t have the necessary foundation of which to build on and understand the technicalities of this business.  I can’t tell you how many times I searched through the classification tables in order to find the most appropriate classification for an account.  There was not always one, so I needed to find the most appropriate one and then convince the underwriter to use that classification.  There were many times that there were additional “rules” associated with a classification and I needed to know how that impacted the account.

Some of the areas that were the most important were the following:

  • Minimum state payrolls. Each state has their own minimum owner payroll and many carriers had modifications to that.  A mistake here could result in a mid-term endorsement increasing the payroll and the agent and insured would certainly NOT be happy.
  • Premium basis. Understanding what each type of premium basis is and what was included was important.  Knowing if it was “each”, per $100 or per $1,000 could make all the difference in rating up the account.  A mistake here could result in a premium 10 times too high or too low.  Carriers also had modification to this such as contractors where they might rate per employee instead of payroll.
  • Details of what was included in payroll. Should executive payroll be included?  Clerical payroll?  Salesmen payroll?  Overtime or holiday double time?  Other forms of remuneration?  Knowing the rules here could help significantly reduce the premium basis and subsequently the premium.  This could mean the difference between writing an account or just narrowly missing it.  Since carriers allow for up to three years to audit an account, you can go back that many years and possibly get significant return premiums by properly applying the rules.  Do not assume the auditor knows all the rules.  You may also want to “school” your client on these rules so they properly keep track of proper payroll and do not have any surprises at audit time.  Also make sure your carriers do not have any modifications to these rules.  Know what Rule 24 is?  A clue, it gives many of the important payroll rules.  When you get bored one day, do an internet search or e-mail me and I will send you a copy.
  • Square footage. There are a few quirks here too.  Sometimes carriers base their premium basis on “customer accessible” square footage.  Calculating this out can sometimes make a significant difference.  I have also found that relying on county property records can be an issue.  The county property records may not have included a recent addition or change and will be picked up when the carrier inspects the property.
  • Additional insured endorsements. In over 90 percent of requests we receive to add additional insured’s, we are NOT given the specific endorsement that should be added.  This begs the question, if the wrong one is used, whose fault is it?  All requests for additional insured status should give what endorsement form number to be used, when it is to be effective, the interest of the party looking to be added as additional insured and any other specifications that are needed.  Using the wrong additional insured could even cost your client a bid for a job if they catch this detail and reject their bid, no fault of their own.  Keep in mind that certain additional insured endorsements are “free” and some may incur a charge per additional insured.  Talk to your client up front about how many they expect so you know if you should pursue a blanket additional insured or not.
  • Rule 85 – Know what this is? This the rule that defines the criteria for a specific risk on if the fire rate will be specifically rated or class rated.  A good risk is eligible to be rated after ISO inspects it and takes into account all fire protections.  This can make a risk come in with a much lower rate than if it was class rated.  You need to check the effective date of the rating and check with your customer to see if any changes were made since that time that would improve the fire rating.
  • Debits or credits – The ISO manual defines what the potential credits are bases on certain criteria. Of course carriers may have their own criteria that supersede this criteria so also know the modifications your carriers make and your authority to use this debits or credits.
  • Package credits – Who doesn’t like credits. There is a wide range of package credits based on classification.  Your carriers may also have modifications to these.
  • Deductible credits – Does your client have a higher tolerance to retaining risk? If so, you can quickly figure out how much they might save by going to higher deductibles.
  • Construction definitions – Questions on masonry versus masonry non-combustible? Definitions are here so you can properly determine the proper construction class.
  • Changes – ISO goes out of their way to discuss changes being made to classifications, rules or forms. You need to read and understand the changes so then when your clients ask about them, you are on top of them.  This is especially true if there is a reduction in coverage.  Keep in mind that carriers do not immediately accept changes and you need to watch for their adoption date.
  • Exception pages. There are always exceptions.  Many do not apply to what you are doing, but you need to make sure if they do.

While reading the ISO manual may not be an exciting read, it could help you out in writing business.  Knowing the rules will help you to use them to your advantage and show your client that you understand the minutia of your business so they don’t have to.  How much would your client love you if you were able to get them a return premium from the policy they previous wrote with another agent?  Think helping them out would help solidify the new relationship?  Just like in golf, it is important to know the rules so you can use them to your advantage.   Happy reading….

Ken KukralKenneth Kukral, CIC – VP of Special Risks – That means, call me if you need help on placing a unique, difficult, large or more complex risk. Kennethkukral@intlxs.com  800-937-3497 ext 2079

Should Ohio Agents Be asking about their client’s workers compensation?

By Ken Kukral

Being a monopolistic state (no private carriers allowed to write in Ohio), most agents have completely ignored discussing workers compensation with their clients.  Is this wise?  I do not hear about any movement to take Ohio to a competitive workers compensation state, but that does not mean you should completely ignore this aspect of your clients risk profile.  Some things to think about:


  • Most likely you have discussed group rated workers compensation with your client and have placed them in one of these programs. Did you realize that not all group rated WC programs offer the same amount of discounts?  Have you researched other programs to see what might be best for them?
  • Did you know that high deductible programs are available within the Ohio Workers Compensation Program? If your client is looking to control losses and costs of coverage, this may be an option you want to explore.
  • Did you know that “retro” programs are available through the Ohio Bureau of Workers Compensation? A more sophisticated client may want to explore how this option can control their losses and costs over the long run.
  • If your client is over 500 employees, have you explores self-insuring for WC? (Including and excess WC policy). This is only for larger insured’s, but is a very viable option to control their WC cost for the long run.
  • Does your Ohio insured ever have employees that go outside Ohio? In the past an endorsement was offered by the OH BWC but a number of states may not be willing to accept this as “valid” coverage.  Here is a document that lists what states “recognize” this coverage:  http://www.ohiopia.com/Uploads/Documents/Advocacy/BWC_OSC_Reciporocal_Exempt_Statutes.pdf  Since March 1, 2016 you can now purchase “All other States coverage” through the OH BWC.  If they have locations in other states you would not need this, but just about every insured I know of does some traveling outside Ohio.
  • Do they have stop gap liability coverage? I am running into more accounts that do not have the coverage on their policy and have a significant coverage gap.  While exposure for intentional torts has lessened, there are still the other gaps (action over claims, compensatory damages and dual capacity claims) and clients need the coverage.
  • Does your client travel internationally on business? If so, then you should look at an international package which provides voluntary employers liability.  There are so many other lines of coverage provided in these policies that it is super cost effective and should be discussed with a client.
  • What about loss control and risk management in the workers compensation area? What difference does it make since you aren’t writing coverage in this area?   First of all if a client’s loss ratio goes up they could be dropped from their group rated WC program.  This can bring about a shocking premium increase.  Secondly, wouldn’t this help differentiate you from other agents?  If you or a trusted vendor could provide these services at a reasonable cost, wouldn’t this help tie you more to a client?  Also, isn’t WC a portion of your clients overall cost of risk (Premiums, deductible portions of losses and uncovered losses)?  It is still money going out of your clients pockets and anything you can do to help control those costs is ultimately helping your client.
  • Is your client less likely to go to another agent when they do expand outside Ohio? If you have been involved with the WC for your client, it is just natural they will contact you rather than looking for another agent in the new territory.
  • Can WC claims lead to EPLI claims? Getting an injured employee back to work is important and the risk of a separation of employment (wrongful termination) increases the longer they are out.
  • What about OSHA compliance? OSHA fines are not covered by insurance and could hurt your client’s bank account, not to mention their image and reputation.  Same with exposure to VSSR (Violation of Specific Safety Requirements) claims, which can be significant.


Think these issues are not important to your clients?  Think again.  Helping your client with their workers compensation exposure and coverage is of great importance to them.  Be ready and involved so that if the Ohio workers compensation market goes to a competitive market, then you are already involved and helping them out in this area.

Ken KukralKenneth Kukral, CIC – VP of Special Risks – That means, call me if you need help on placing a unique, difficult, large or more complex risk. Kennethkukral@intlxs.com  800-937-3497 ext 2079

Crazy Claims

By Cathy Thurber

Have you ever had a claim come through that just made you stop and stare?  You actually have to re-read the form just to make sure you read it correctly!  There have been a couple that I’ve read through the years that just made me laugh in disbelief.  Especially the claim regarding the drunk guy that fell off his friend’s balcony while he was relieving himself….he passed out during his ablutions and toppled right over the rail!

I was perusing the internet as I sometimes do and googled ridiculous insurance claims.  Here were a few of my favorites that came up:

  • A couple vacationing in southern France filed an insurance claim for the paint on their car after it got licked off by a herd of cows.
  • While vacationing in Malaysia a couple had their clothes stolen and scattered around the jungle by a thieving band of monkeys.
  • A woman in Sri Lanka was knocked out cold by a falling coconut as she sat reading under a palm tree. Apparently this incident isn’t uncommon and apparently every year about 150 people are killed by falling coconuts.
  • A farmer in Minnesota filed a claim on his iPhone when he lost it in the rear end of a cow when he was helping with calving in the middle of the night.
  • A couple made a claim on their camera after they lost it over the side of cruise ship trying to film themselves recreating that scene in Titanic.
  • A man on vacation in Australia put in a claim on his car after a wild camel supposedly kicked in the door.

Coconuts, the unexpected killer – who knew?!?  Perhaps on your next tropical vacation you should stay away from coconut trees.  And seeing as half the claims were animal related, you may want to think twice around them, too!

cathyCathy Thurber has over 10 years’ experience in the insurance industry and likes to think she’s learned a few things along the way, one of which being to not take herself too seriously.  She would love to say she has as many cool expertise’s as her fellow blogger, Ken Kukral, but she’s just not as old as him.  Cathy is a voracious reader and a total word nerd.  Most importantly, she’s been married to her favorite person for almost twenty years and has two kids that she actually likes.  However, the dog is her favorite child and she’s been wheedling for a cat for years.  Perhaps this is the lucky year?


6 Reasons Freight Brokers Need Insurance

Check out our handy infographic letting you know the top 6 reasons all Freight Brokers and Freight Forwarders need insurance. Feel free to save and pass along!


Giving Back

“We make a living by what we do…..we make a life by what we give.”  – Winston Churchill


I like to think that IEA is filled with a bunch of caring, giving people.  We are a charitable company.  Truly, I think that is a genuine observation.  More than likely your company is, too.

At Christmas we had a few different things we did to help out the community or specific people and foundations.  A family in need received some assistance during the holiday season.  The company donated to the Wounded Warrior Project and the Leprechaun Foundation (who provide gifts/wishes to terminally ill children).  Our employees and owners also came together to send a large contribution to Rescue Village (a no-kill shelter) and we provided 1,200 pounds of food to The Hunger Network of Greater Cleveland.

Why do we do this?  Because good deeds benefit the souls of both the individual and the company.   It’s important for the company to give back to the community, for many reasons.  When we help others, the community tends to return that support to our business.   We become more recognized in the community.  It is always good to be regarded in a positive light; after all, respect is a tangible thing for a business.  Also, when the business contributes to the community, many times it helps motivate the employees to participate.  If you let the employees help decide where to donate then they are highly likely to become involved.  Give to those ideas you believe in, both as individuals and a company.  And hey, you can always look at it as another networking opportunity, if there’s really a need to justify it!

Giving back is important.  What does your company do to give back to the community?


If you would like to donate to any of the organizations above, here are their links:

http://www.woundedwarriorproject.org           http://www.leprechaunfoundation.org

http://www.geaugahumane.org                      http://www.hungernetwork.org

cathyCathy Thurber has over 10 years’ experience in the insurance industry and likes to think she’s learned a few things along the way, one of which being to not take herself too seriously.  She would love to say she has as many cool expertise’s as her fellow blogger, Ken Kukral, but she’s just not as old as him.  Cathy is a voracious reader and a total word nerd.  Most importantly, she’s been married to her favorite person for almost twenty years and has two kids that she actually likes.  However, the dog is her favorite child and she’s been wheedling for a cat for years.  Perhaps this is the lucky year?

Top 5 reasons your clients should carry product contamination/ recall coverage

Easy answer, NO!  With minimum premiums dropping as low as $1,000 you can no longer assume your client does not need or want this coverage.  The number of recalls has exploded over the last few years and the cost of a recall has increased significantly.  In fact, many companies who did not carry the coverage went out of business since they could not sustain the cost of a recall.  While most large companies do carry the coverage, they found that 55% of them experienced a recall event over the last 5 years.

Top 5 reasons your clients should carry product contamination/recall coverage:


  1. It happens more than you think. The current average is more than two recalls a day.  The top three organizations that can force a recall are the Consumer Product Safety Commission, National Transportation Safety Administration and the Food and Drug Administration.  All have the power to force a recall and start the battle to stay in business. With the pressure to lower costs and hopefully not reduce quality the chance for a potential claim rises.  The “human error” factor will always be there and cannot be overcome.


  1. Governmental Oversight is stronger. With the globalization of manufacturing and distribution the need for governmental oversight has increased.  New regulations such as the Consumer Product Safety Enforcement Act of 2008 and the Food Safety Modernization Act of 2011 have given the government expanded powers and have increased standards they manufacturers must comply with.  Civil and criminal penalties have also increased and have given the government more clout in dealing with problems.  The FDA even has more power now to regulate how food is grown, harvested and processed.


  1. The costs are prohibitive. When the wheels are set in motion on a recall event, the costs go up significantly. The latest statistics show that the average price of a recall is over $540,000 and going up daily.  Not only does coverage cover the costs of the recall, they can cover the gross profit, crisis management expenses and a period of recovery.  They is a long trail of failed companies who have not survived a recall event due to the cost of the recall expenses and the recovery period to rebuild their brand.


  1. The mistaken belief that it won’t happen to our company. No organization is immune from the risk of product recall, even if they have the best safety record, manufacturing and operational controls. One of the main reasons is human error which can never be fully eliminated.  With the costs of recalls being so high, many companies still underestimate the actual cost and impact on their operation.  Many companies have the expertise to create a great product but are not prepared to deal with a recall even and come out the other side without a damaged reputation.  While many times only one product may be contaminated, many retails will pull the whole product line and not wait to get more details in order to protect the consumers. Getting the “shelf space back” may take time and money.


  1. Product Recall Coverage is the First line of Defense. While product liability will cover the bodily injury and property damage caused by a defective or contaminated product it will not deal with the costs of dealing with the particular crisis.  Product recall insurers will provide crisis management consulting services to deal with pre- and post- Incident basis to control the adverse impact the recall event will have on the insured’s brand and reputation.  The coverage will indemnify them for actual recall expenses, lost profits, product replacement costs, extra expenses and rehabilitation expenses.  Coverage can also include third party losses where your product is a component part in another product.


With product contamination/product recall coverage becoming more mainstream and affordable it may be time to discuss this coverage with them and determine if it is affordable to them.  At a $1,000 minimum premium it puts in the affordability range for most manufacturers.  Similar coverage to deal with restaurant recovery to deal with a product contamination starts at $500 and should be considered for them too.  As coverage such as this becomes more affordable we should be discussing these options with our clients who would most likely say in court that “if I had known it was so affordable, I would have purchased the coverage”.

Ken KukralKenneth Kukral, CIC – VP of Special Risks – That means, call me if you need help on placing a unique, difficult, large or more complex risk. Kennethkukral@intlxs.com  800-937-3497 ext 2079

How important is that missing information on the insurance application?


I agree that filling out applications is a pain.   With limited time to get an account quoted and written, having to do additional applications or supplemental applications puts a crimp on time.  So what are we to do?


A couple of thoughts or ideas:


  • I always assume there will be a supplemental application for most accounts. Contractors = Contractor supplemental (+ACORDS), Hospitality risks = restaurant bar and tavern supplemental (+ ACORDs). Special events = Complete special event application.  Most professional liability risks = Main form E&O app + supplemental based on type of risk (unless we are talking about engineers, accountants, lawyers or insurance agents).  I try to find a complete one that will encompass all the questions that are on carrier specific applications so I only have to get one application completed.
  • Unanswered questions – While you may think the particular question might not have any significance on the particular risk you are working on, many carriers see those as red flags. A number of carriers who have automated rating cannot skip questions and it puts them at a standstill until they get the question answered.  There are times where the answer to the question will be a deciding factor on IF the carrier can quote or if they will decline, so you sit at the precipice and don’t know which way it will go until answered.  There are carriers whose rating system allows you to mark the answer “unknown” and make it a “subject to” item.  This leaves you a long list of subject to items and the answers to these questions can change pricing or make the risk a decline.
  • Don’t know the answer? – Research it. There is so much information available on line now that 75-80% of the information is available if you just look for it.  Don’t know the protection class for a city?  Google it.  What construction is the building?   Bring up an image online and figure it out. Lots of available information in public property records.  By the way, you might want to Google the name of the business and see what comes up.    Many times lawsuits will show, bankruptcy or collection proceedings, etc. and wouldn’t you want to know about it before your underwriter does the same thing and asks you about it?
  • Know the rating factors. A recent application I received, didn’t list the protection class.  Think that affects the rating?  SURE!  Kind of like handing a set of keys to someone to test drive a car and one of the four wheels of off.  For a contractor account, this might include listing payroll, gross receipts, and number of employees and cost of subcontracted risk.  There is a wide range of premium basis that carriers now use and you should provide them all.
  • Completeness allows your underwriter (carrier or wholesale broker) to do their best and most efficient work. I can tell you my favorite agents to work with because of how meticulous they are on applications and how few a times I ever have to go back to them for additional information.  They allow me to do my best work.
  • Do you know what is “material” on an application? By this I mean, if something is left off an application, an account is quoted and written and the missing information later becomes and “issue” on a claim do you want to deal with the carrier’s allegation that this was a “material misrepresentation” and they are going for policy voidance?  I have seen it happen and it is something to lose sleep over.  I am amazed how many applications do not have the loss history or don’t have the box marked “no losses” checked.  Think prior losses on an account are important to the underwriter?  I know many times a prospect may not have their loss runs on hand and you are just trying to get a quote. How about asking them about losses, let them know that the carrier will most likely need verification of prior loss history (you can show them how to get loss runs) and if they ssay “no losses”, why not get them to sign a “no known loss statement”?  This shows a carrier that the prospect is willing to attest to the loss history and gives them more confidence.
  • Perspective – why not take more of a view that you might have to produce your “work product” (applications and underwriting information such as a narrative) in court. If you look at providing just enough information to get a “ballpark” estimate of premium are you doing a service for your prospect? The account has only been quoted and NOT underwritten.  Kind of like a doctor just asking you if you feel well today and not doing a physical exam.  Doing a consistent and complete job will make you look much better for that one time things don’t happen the way you wanted and you end up in court.
  • Top of the stack. Wouldn’t it be nice to be the one whose submission is moved to the top of the stack and handles promptly? 


I go back to one of the most valuable lessons I learned from my predecessor, take care of the details.  We are non-lawyers selling contracts.  We sell future promises of a carrier to pay losses in return for a small premium.  He said the details can come back and haunt you.  This was never truer than when you have an uncovered loss.  One in particular that I remember was alarming until I laid out the file and saw that we were perfectly documented.  Once we responded to the situation and showed the documentation, the situation went away because the attorney KNEW it was a dead end.  This allows you to sit back in your chair and breathe, knowing you took care of the details and did it right!

Ken KukralKenneth Kukral, CIC – VP of Special Risks – That means, call me if you need help on placing a unique, difficult, large or more complex risk. Kennethkukral@intlxs.com  800-937-3497 ext 2079

The Top 3 Reasons You Should Be Insured On St. Patrick’s Day

Though St. Paddy’s Day came and went quickly, there’s always time to be prepared for next year! Did you or your insureds run  into any of the below incidents this past week?

Las week we celebrated one of my favorite holidays– St. Patrick’s Day!  While I’m Irish every day, it’s always fun to celebrate my “Irishness” with a special day.  There’s nothing like eating corned beef, drinking something green, and dancing to a lively Irish jig.  Plus, I got to wear my “Kiss Me, I’m Irish” shirt!

There are, however, a few reasons you and your insured need to be insured on this green holiday.  Without further ado….a drum roll and some bagpipe music, please!

  1. Someone over-indulges while at your bar. Yes, we know this is a foregone conclusion.  However, while you may be smart enough to have liquor insurance on your location, let’s think about that individual.  There’s always the DUI to consider – which, hopefully they get pulled over before they do any damage.  Your car insurance company certainly won’t like you –if you’re not dropped then expect an aggressive increase in premium!  And what if they are smart enough to leave their keys and walk home?  Then to top that off they start dancing and singing Irish tunes while stopping traffic.  Well, that’s when they’re arrested for public drunkenness.  I’m not sure that any insurance will help them at this point.
  2. Assault and battery. Listen, just because we’re all enjoying ourselves while we get our Irish on doesn’t mean that you can start acting like a complete idiot.  I know some of you will want to!  But please, I ask you to refrain from making fun of short, red-headed people.  We are not leprechauns.  We do not have a pot of gold hidden somewhere.  What we are is Irish – and that means we have a temper.  So, be prepared to be taken down at the knees and then pray that we’ll stop there.   I’m also hoping that the bar we’re in has A&B coverage because they’ll probably need it after I get through with you.
  3. Green food problems. I know….everything is green on St. Patrick’s Day, even the Chicago River!  But what if your corned beef and cabbage turns into something toxic in a patron’s stomach?  Those potatoes shouldn’t have been green, either.  Well, get out that property and casualty insurance, because you’re going to need it!  File the claim, inform the health department if it’s more than one customer, and make sure everyone on staff has already taken their food-handling course.

cathyCathy Thurber has over 10 years’ experience in the insurance industry and likes to think she’s learned a few things along the way, one of which being to not take herself too seriously.  She would love to say she has as many cool expertise’s as her fellow blogger, Ken Kukral, but she’s just not as old as him.  Cathy is a voracious reader and a total word nerd.  Most importantly, she’s been married to her favorite person for almost twenty years and has two kids that she actually likes.  However, the dog is her favorite child and she’s been wheedling for a cat for years.  Perhaps this is the lucky year?