Saturday, August 22, 2015 I was meeting with couple of sharp clients (as all our clients are!) in late June when the market was under distress due to Greek economic woes. They both laughed and one of them said “Greece? It’s like what, the size of Kansas?! It’s not Greece we have to worry about, it’s China! READ MORE >>
Saturday, August 22, 2015Blame Congress. The HFIAA (Homeowner Flood Insurance Affordability Act) Surcharge started in 2015 as mandated by Congress. The reason - Congress is capping the allowable annual rate increase for high risk properties. So the HFIAA surcharge is designed to offset the possibly insufficient collected premium for these subsidized properties. READ MORE >>
Sunday, August 16, 2015To my surprise I got called out on the absence of a follow-up to a prior Blog Post. As previously indicated, I work with the assumption that this Blog is largely ignored, so I can state things like “in the next post we will cover….” and if I fail to (or don't want to) get back to the topic, no big deal. READ MORE >>
Saturday, August 8, 2015It can't be emphasized enough the importance of maintaining adequate automobile liability limits. First lets explain what they mean using MO State Minimum Limits as an example: $25,000 Bodily Injury Per Person: This is the maximum the Carrier will pay for Bodily Injury Claims to a 3rd party if you are determined to be at fault READ MORE >>
Saturday, July 25, 2015The Certificate of Insurance (COI) loosely stated is the Business equivalent of an Auto Insurance Id Card – it illustrates proof of Insurance to parities that require it. Common examples, Landlords, General Contractors, Vendors, Municipalities and knowledgeable Homeowners. READ MORE >>
Sunday, July 19, 2015Winner: Julie Frederick - Matriarch of the fantastic Frederick Family!! READ MORE >>
Sunday, July 5, 2015 My wife Patty, who is quite a bit smarter than me, said “You should add a Digital Camera (with video capability) as a prize option.” She explained “A lot of people may want a new camera (something with greater functionality than their phone camera). READ MORE >>
Tuesday, June 30, 2015We will follow up with details about our next contest on our Blog, check back soon. Thanks for watching!Posted by Dan Hebbeln: dan@hebbeln-ins.com READ MORE >>
Wednesday, June 24, 2015The economy is improving and remodeling projects are increasing. If you will be hiring a contractor, make certain they are Insured. The contractor should provide proof of Insurance to you in the form of a Certificate of Insurance (COI). The COI should illustrate: READ MORE >>
Wednesday, June 3, 2015A common question is: “Why do I have to include my subcontracted payroll on my Workers’ Compensation policy – they’re 1099 employees?” This is a good question. Without going into too much detail, the degree of control (e.g. READ MORE >>
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