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May 03, 2018 @ 12:00am

http://tricorinsurance.com/sites/tricorinsurance.com/assets/images/blog-posts/colision-comprehensive-0009.jpgWhen you insure an automobile, boat, or recreational vehicle, your agent will ask you if you want comprehensive and/or collision coverage. Do you know what you are agreeing to, or declining?

Comprehensive coverage includes covering claims from wind, hail, fire, theft, vandalism, animal strikes and glass breakage. It’s the things you have no control over.  The exception to that rule is hit and run. Hit and run is considered a collision loss.

May 03, 2018 @ 12:00am

http://tricorinsurance.com/sites/tricorinsurance.com/assets/images/blog-posts/shop-coverage-0010.jpgA common insurance question is “how is my car protected if it’s in the shop?” If you carry physical damage coverage (often referred to as comprehensive and collision) your vehicle is still covered under your policy when it’s in the care, custody or control of the auto repair or body shop.

May 03, 2018 @ 12:00am

Would you ever drive the length of a football field at 55 mph blindfolded? Well that’s essentially what you’re doing when texting while driving. According to the National Highway Traffic Safety Administration, texting behind the wheel takes a driver’s eye off the road for an average of 4.6 seconds, which is the time it takes to go from one end zone to the other. Dangerous? Incredibly. Deadly? You bet.

Texting while driving has now replaced drinking and driving as the leading cause of death among teenage drivers.

May 03, 2018 @ 12:00am

You have just opened your newest state-of-the-art facility and surgical center with beds waiting to be filled. Your medical team is highly skilled and ready to respond to the community’s emergency needs. Your local Air Ambulance provider has top-of-the-line equipment and a professionally trained flight team ready to bring the patients to your facility. So what is the problem?  Nothing, you hope—right?

If your risk management and insurance program hasn’t been reviewed with some specific items in mind, you could get into additional liability, employee benefits, and workers compensation issues.

May 03, 2018 @ 12:00am

The most rapidly expanding area of aviation is Unmanned Aerial Systems (UAS). They are known by many names such as Drones, Unmanned Aerial Vehicles, Aerial Micro-vehicles, to name a few. The Federal Aviation Administration (FAA) and insurance industry are in quick response mode to the changing environment. In this article, we will share some of the current FAA guidelines and how this affects you as a municipality or school district and what are the insurance solutions available to protect your operations.

May 03, 2018 @ 12:00am

At TRICOR Insurance, our Employee Benefits team is continually looking for ways to protect our employer benefits clients’ health and financial well-being. As health care costs continue to rise for employers, so has the demand for voluntary benefits like Short and Long Term Disability Insurance, Vision Coverage, and Long-term Care Coverage. Because many employers find a robust benefit package too costly, Voluntary Benefits have become an ideal solution, allowing employers to offer comprehensive “a la carte” benefits that are attractive to employees without added cost to the company.

May 03, 2018 @ 12:00am

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We’ve seen it. We’ve certainly heard it before. Perhaps some of your employees have thought of it. “If only I could get hurt, or better yet, fake an injury, to collect workers compensation and not have to actually work.” What a leisured, stress-free life that would be, right!?

May 03, 2018 @ 12:00am

http://tricorinsurance.com/sites/tricorinsurance.com/assets/images/blog-posts/k9-officer-0016.jpg

Everybody loves a well-trained dog, but does your insurance company?

I recently heard on the radio that a neighboring community was holding a ceremony honoring a K-9 Officer that had to be put down. The public was invited! Clearly this was no average dog and our society puts special value on police dogs. K-9 Units have been increasing in popularity and the K-9 Officers have been increasing in value. Has your insurance coverage kept up with the times?

May 03, 2018 @ 12:00am

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Administrating a Group Health plan comes with required notices and documentation that can be difficult to keep up with. The annual Medicare Part D Disclosure Notice is a prime example of the complexities employers can easily forget or possibly may not even be aware of.

As part of our value-added services, TRICOR Insurance reminds our clients around the details to complete the requirements of this two-part mandate: employee notification and CMS online disclosure.

May 03, 2018 @ 12:00am

The holiday season is a time for family and friends to get together. That also means there is an increase risk to fire. We’ve pulled together few simple steps to help ensure a fire-safe holiday season.

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