Golfing Liability This week Etler-Kettenacker posted a page regarding golfing liability.  The page includes a story based on an actual golfing liability civil case.  You can read the story at http://www.ekagency.com/liability/golfing.aspx.    Etler-Kettenacker Agency is always available to discuss with you in detail what your liability coverages include under your homeowner’s insurance.  In most cases your homeowner’s policy will cover your...

NSI Niche Markets This week Etler-Kettenacker Agency introduced NSI, owned by West Bend Mutual Insurance Company.  NSI niche markets offer affordable and necessary insurance coverage for specialty; niche markets.  Some of the NSI niche markets include; special events liability, social services organizations, sports and leisure clubs and teams, contract bonds and commercial surety.  Again, this is just a short list of NSI niche markets that are available.  For the full pag...

Frankenmuth Insurance Commercial Lines This week is part two of Etler-Kettenacker Agency’s two part feature on Frankenmuth Insurance.  This second part focuses on Frankenmuth Insurance Commercial Lines.  To see the first installment on Frankenmuth Insurance Personal Lines visit http://www.ekagency.com/frankenmuth/insurance.aspx.      For the full page on Frankenmuth Insurance Commercial Lines go to http://www.ekagency.com/frankenmuth_insurance/co...

This week EK Agency wanted to present an accident scenario for their clients and friends to think about and learn from.  This scenario is a common motor vehicle accident scenario and will demonstrate how claims are adjusted behind the scenes.   It was a rainy evening and the claimant (plaintiff) was with a friend leaving a restaurant.  The claimant was attempting to turn left onto a four lane road.  The plaintiff had their left turn signal on.  There were severa...

Most of us probably remember the massive information breach at Target in late 2013. For many who shopped at the mega retailer between November and December 2013, the holidays werent so merry that year as their personal information was compromised. Its estimated that some 70 million records were stolen in the breach, which resulted in $40 million stolen from the company. As of January 2015 it spent $252 million in costs related to the data breach, which was partially offset by $90 million i...

Today we are going to talk about liability coverage -- and why you might need to increase yours! Liability coverage covers injuries or damage to other people or property if youre at fault for an accident. Its part of your auto insurance policy, and is covers two types of damage: Bodily Injury: Covers costs if you cause an accident that injures or even kills another person. Bodily Injury will cover hospital and medical bills, rehabilitation, long-term nursing care, funeral expenses, ...

Your teen was likely thrilled to score that part-time job delivering pizzas: Free pizza? Getting to drive around town on the clock? Tips? However, your teen might want to reserve some of those tips for car insurance. In fact, they may need to up their coverage, or, in some cases, switch from a personal to commercial policy. Simply put, personal policies are written with the average private citizens habits and needs in mind, whereas commercial policies are designed to address t...

It may sound like something out of The Jetsons -- but self-driving cars are here! According to recent data, as many as 10 million cars will be outfitted with self-driving features by the year 2020. While exciting, these futuristic vehicles have opened up a whole can of worms. Especially for insurance companies. How are they insured? Who’s to blame in the event of an accident? Can you trust machine over man? We don’t know the answers to these questions, but here are some f...

Weve talked about self-driving cars before, debating the pros and cons of these cars of the future. However, this week, Bloomberg Technology posted a bullish case for self-driving cars. In this article, the media mogul quoted a recent study by insurance broker Aon Plc. According to Aon, premiums for U.S. auto insurers may drop more than 40 percent once the use of automated vehicles has been fully adopted by 2050. Aon analyst Paul Mang was careful to specify the conditions under which ...

Does your business need environmental insurance? Probably. Virtually every construction or commercial type of business has at least one environmental liability exposure. Conditions could include a discharge of pollutants brought to the work site, release of pre-existing pollutants at the site or other environmental issues. (By the way, a pollutant is legally defined as something that ends up where it doesn’t belong -- so it can be anything from chemicals to garbage to water.) He...

The holiday season is here! And so is the holiday shopping season. Those last-minute deals online are too good to pass up: 40% off and free, 2-day shipping? Quadruple rewards points? And no long lines at the mall? Online shopping is a great way to snag great deals -- all from the comfort of your own home (and in your pjs with your favorite warm drink!). However, the like any transaction, there are security issues to keep in mind when buying online -- but by following a few basic guidelines,...

Is Your Private School Properly Protected? With today’s society becoming more and more litigious, you need to make sure you have the proper protection for your organization.  Private schools have unique risks that require special protection.  Good news for you, many insurance companies have revitalized their private school program.  This means better rates and more comprehensive coverage.  Key Coverages Your School Needs: ·      ...

Are you a dog parent? We all love our furry family members and hope that they would never bite anyone, but in reality we all realize that there is always a chance! According to the CDC (Centers for Disease Control and Prevention) more than 4.7 million people are bitten by dogs annually. This results in an estimated 800,000 injuries that require medical attention.  More than 50% of dog bites happen on the owner’s property this accounts for one-third of homeowner’s insurance ...

When you receive your Insurance policies do you read them?  If you do, do you understand what you are reading? Give me a few minutes of your time to help you understand what your policy says and why it’s important!   We drive our cars every day!  We drive to work, to school, on vacations, and running errands.  How many times have you worried about an uninsured driver hitting you?  What if they have insurance, but not enough?  Now how many times have you a...