Tuesday, January 14, 2014

Winter Thaw = Pipe Problems

Winter brings freezing cold temperatures and quick thaws.  With this fluctuation in the weather patterns pipes and mains must be a concern as the freeze / thaw process can cause them to burst.  Even a slow leak can cause mold growth causing many other problems.

Vacation homes and unheated areas such as basements and attics can be an area of real concern and should be checked.

Talk to your clients about these hazards and consider providing information on how they can best manage these risks within their control before the accident happens.

Below is some vvaluable information about frozen pipes from our friends at Maxons Restoration that you may want to consider passing on.


How To Look For Leaks
  • Trust yourself - you may not know what's right, but you can usually spot what's wrong.
  • Puddles of water big or small under sinks, near floorboards, water marks on the ceiling, etc.
  • Move the clutter - most slow leaks under sinks and in basements are missed because they can't be seen. 
  • If your sink has no water, or perhaps cold water but no hot water your pipe is probably frozen. 
  • Take the time to look in and around hard-to-find spots like crawl spaces or along outside walls.
  • Look at over exposed pipes, like those leading to a water heater.    
  • Touch the walls and see if they feel damp.    
  • Keep an eye on your water meter.  Turn off all faucets, outlets and water using appliances. Look at the dial on your water meter. If the dial on the
water meter is moving (watch it for at least 10 minutes), it means there is water running through the meter. If the water is running through the meter and the water valve is shut off, this indicates there is a leak in the line.

  • Watch your bill. Compare your current water use to past use.  
  • Consider installing water alarms for areas that are hard to see or reach. 

Tuesday, December 10, 2013

Winter Wonderland of Hazards

In many parts of the northeast we have already seen our first snowfall of the season.

While the white powdered trees look beautiful, there are hazards associated with accumulating snow and drifts.

As insurance agents we are well aware of the hazard caused by snow or ice accumulating on the roof of a home or business (see picture) but what about frozen pipes?

The American Red Cross and The Weather Channel provide great tips regarding preparing your pipes for winter, and what to do in the event the pipes freeze.

Another issue can be if snow drifts block exhaust vents!  Frequently overlooked, this hazard is directly addressed by Columbia Gas of Massachusetts in this great article.

The bottom line is stay safe and prepare as best as you can.  Consider seasonal homes and make sure they are properly taken care of.  Consider businesses that may be closed over a long holiday weekend, or homes when you are away on vacation.

Enjoy this beautiful time of year, but be aware of the risks as well.




Wednesday, November 27, 2013

'Tis the Season for Safety

Thanksgiving is just a few short days away and the winter Holiday Season has begun!

With that however come risks...

So here are a few great links to help you enjoy a safe and festive Holiday Season!

And from all of us at Jimcor Agencies
have a safe, happy and healthy Thanksgiving and Holiday Season!

Here is a wonderful Insurance Journal article about Thanksgiving Day Turkey risks!

Black Friday is a great day for deals, but check this video from Bing about Black Friday Thieves!

Finally, from your friends at Erie Insurance, here is a great excerpt on Turkey, Tinsel and Tinder looking at risks ranging from frying the turkey to the lights on a tree and finally that Yule log on the fire!

Monday, November 11, 2013

Love your freedom? Thank a Veteran!

Today is November 11, 2013.  It is Veteran's Day.  The day we say "Thank You" to the men and women who have sacrificed so much for our freedom.  Some of them gave the ultimate sacrifice.  Some came home to their families, but will never be the same.  Some fight on the front lines and some treat the wounded.  But all are there for us.

For a wonderful video tribute click here.

If you know a Veteran please thank them.  If you are a Veteran we salute you.  And if you are a family member of a Veteran thank you for supporting them.

In closing, on this Veteran's Day, we wanted to share a Q&A with you about the famous Tomb of the Unknown Soldier.

Happy Veterans Day from your friends at Jimcor Agencies!


1. How many steps does the guard take during his walk across the tomb of the Unknowns and why? 21 steps:

It alludes to the twenty-one gun salute which is the highest honor given any military or foreign dignitary.

2. How long does he hesitate after his about face to begin his return walk and why?
21 seconds for the same reason as answer number 1

3. Why are his gloves wet? His gloves are moistened to prevent his losing his grip on the rifle.

4. Does he carry his rifle on the same shoulder all the time and, if not, why not? He 
carries the rifle on the shoulder away from the tomb. After his march across the path, he executes an about face and moves the rifle to the outside shoulder.

5. How often are the guards changed? Guards are changed every thirty minutes, twenty-four hours a day, 365 days a year.

6. What are the physical traits of the guard limited to? For a person to apply for guard duty at the tomb, he must be between 5' 10' and 6' 2' tall and his waist size cannot exceed 30.

They must commit 2 years of life to guard the tomb, live in a barracks under the tomb, and cannot drink any alcohol on or off duty for the rest of their lives. They cannot swear in public for the rest of their lives and cannot disgrace the uniform or the tomb in any way.

After two years, the guard is given a wreath pin that is worn on their lapel signifying they served as guard of the tomb. There are only 400 presently worn. The guard must obey these rules for the rest of their lives or give up the wreath pin.

The shoes are specially made with very thick soles to keep the heat and cold from their feet. There are metal heel plates that extend to the top of the shoe in order to make the loud click as they come to a halt.

There are no wrinkles, folds or lint on the uniform. Guards dress for duty in front of a full-length mirror.

The first six months of duty a guard cannot talk to anyone nor watch TV.

All off duty time is spent studying the 175 notable people laid to rest in Arlington National Cemetery.

A guard must memorize who they are and where they are interred. Among the notables are:

President Taft,
Joe Lewis {the boxer}
Medal of Honor winner Audie L. Murphy, the most decorated soldier of WWII and of Hollywood fame.

Every guard spends five hours a day getting his uniforms ready for guard duty..

ETERNAL REST GRANT THEM O LORD AND LET PERPETUAL LIGHT SHINE UPON THEM.

In 2003 as Hurricane Isabelle was approaching Washington, DC, our US Senate/House took 2 days off with anticipation of the storm. On the ABC evening news, it was reported that because of the dangers from the hurricane, the military 
members assigned the duty of guarding the Tomb of the Unknown Soldier were given permission to suspend the assignment. They respectfully declined the offer, "No way, 
Sir!" Soaked to the skin, marching in the pelting rain of a tropical storm, they said that 
guarding the Tomb was not just an assignment, it was the highest honor that can be
afforded to a service person. The tomb has been patrolled continuously, 24/7, since 1930.

Tuesday, October 15, 2013

Communication and the Homeowners' Marketplace

For over 25 years Jimcor Agencies has worked closely with agents in providing their clients with the homeowners coverage they need.  Today coastal homeowners coverage is becoming more and more difficult to find, and Jimcor Agencies prides itself on being able to write the difficult accounts with the coverage the homeowner needs allowing them to sleep easy at night.

A recent article in PC360 by Dax Brown looked at the 5 Steps to Successful Communication on Homeowners' Coverage.  Click here for Brown's article.

Understanding what the homeowner is looking for - their threshold - their needs versus their wants... that is what our agents do for their clients.  Giving our agents access to the markets so they can write the business - that is where we come in.

Contact Jimcor Agencies for information about our Coastal Property Programs.

Tuesday, August 13, 2013

FORE!

Its Golf season, and nobody does it better than your local Insurance Professional!

But seriously, the golf course is a great place to meet people, network with clients, and rub shoulders with some of the movers and shakers in your community or industry.  From just playing 9 holes after work on a Tuesday at your local public course, or attending a well planned and executed industry wide outing - there are a few rules every golfer should know and it's called Golf Etiquette.

From phone calls to loud voices, the USGA gives some great tips on how to enjoy yourself (and be enjoyed) on the course.

Looking for the best golf courses in America?  Check out this link!

But Golf Outings are also for networking!  Looking for some tips of the trade on how to get the most out of your next outing?  Click this link for some great tips from Golflink.

Are you or your client planning a Golf Outing?  Think Jimcor for your Special Events this summer and throughout the year!

Enjoy your time on the course - and see you on the greens...

Tuesday, July 9, 2013

Rip Current Survival Guide

Summer time brings summer fun including family trips to the beach.

While we all love relaxing on the warm sand and playing in the water we need to remember the dangers or Rip Currents.

How do you identify Rip Currents?  Look for any of these clues:


  • a channel of churning, choppy water
  • an area having a notable difference in water color
  • a line of foam, seaweed, or debris moving steadily seaward
  • a break in the incoming wave pattern



Click here to see the Rip Current Survival Guide from the United States Lifesaving Association.

Don't forget to call your Jimcor Underwriter to access markets for your coastal property including seasonal risks!

Monday, July 1, 2013

Technology for ALL

Technology will continue to differentiate the top of the pack from those that cannot compete.  At Jimcor Agencies we pride ourselves on being one of the leaders in technology.  Our employees serve on various national committees and work alongside
carriers and competitors alike, to improve the way we service our agents making it easier for them to write business.  Why work with competitors?

"Everyone wins when competition works together to move the industry forward" explained Jim Mastowski, CEO and CIO of Jimcor Agencies.  "We work closely with carriers, from the admitted and non-admitted side of the business.  We want writing business from   the carrier to the wholesaler to be seamless for the agents.  We want to do everything we can to make it easier for them.  If this means improving the technology of our competition and the overall industry, then that is what we do."

"During Superstorm Sandy our technology worked to our advantage and allowed us to help agents and their policyholders.  Unfortunately many of our agents lost power and did not have access to files, with some agencies losing everything!  Policyholders had nowhere to go with questions about their policies and they needed to file claims" stated Jim.  "Since we operate on a Cloud System our employees were able to access information from wherever they were, and even  transfer work phone calls to cells and home numbers so they can assist clients.  Our claims department was up and running, and within 24 hours we were able to start helping those most impacted by the storm.  So in that instance our technology worked to help everyone we do business with - from the agent to the policyholder and even the carrier."


Check out what Jimcor has been up to with our online programs!  Online quoting, payments, accounting statements, agency activity log, and much more.  Click here to visit our page.





Tuesday, June 25, 2013

Lightning - Protect You and Your Property

With the much anticipated heat of summer, also comes the threat of thunderstorms.  
Seemingly from out of nowhere, the sky can become a screen to nature's light show – lightning.  
Learn how you can protect yourself, your loved ones, and your property from damage due to lightning.



Enjoy a safe and happy summer from your friends at Jimcor Agencies.

Wednesday, May 29, 2013

Summer Risks

Memorial Day is the unofficial beginning of summer for most people.  From BBQ's to pool parties, sandy shorelines to boat trips - there are risks under every beach umbrella!

Did your insured recently install an above ground pool?  What about that new trampoline?  Do you know if they recently purchased a brick oven for their backyard?  And don't forget the company picnics on company grounds!  The list is endless.


Stay Cool and think Jimcor!

From your friends at Jimcor Agencies

Thursday, May 16, 2013

GRILLING TIPS AS WE GET READY FOR SUMMER BBQ FUN


Memorial Day is just around the corner, and that means SUMMER is almost here!  Each season holds different risks, and during summertime homeowners need to be careful when it comes to grilling.
Yes, America’s past-time of grilling burgers and hot dogs can be dangerous and cause losses to property and more important life.  According to the NFPA, “Fire Departments respond to an average of 7,900 home fires involving grills, hibachis or barbecues each year including 5,000 outside fires and 2,900 structure fires!”  June and July are the peak months for these fires.

Here are some websites that can provide valuable tips as we enter the Grilling Season.

Enjoy your Memorial Day.  Enjoy your grilled burgers and hot dogs.  And most importantly be safe.

HAPPY MEMORIAL DAY FROM YOUR FRIENDS AT JIMCOR AGENCIES. 

Thursday, February 21, 2013

Winter Storms

The groundhog may have predicted an early spring, but Mother Nature sees it differently!  Ice and snow storms have ravaged homes and businesses that have barely had time to clean up from Superstorm Sandy.  So how do you protect your clients?  You give them information they need to be prepared and to minimize risks where possible.

Our friends from Northland Insurance and Northfield Excess & Surplus Lines sent us some useful information we thought we would pass along.


"This weekend’s historic winter storm left many homes and buildings with heavy snow accumulations on their roofs. Northland wants you to know that there are steps you can take to reduce the risk of property damage or personal injury from the weight of snow, such as removing the first 3-4 feet of snow near the eaves. This is a particular concern for areas where rain is predicted, as the rain will greatly increase the weight of snow and also create the potential for ice dams when snow re-freezes.
Helping prevent snow/ice load roof collapse
Winter storms can bring an array of potential exposures and hazards to property, people and business. Record snowfalls especially present the potential for roof collapse. To help prevent snow/ice-related roof collapse, the following steps should be taken. A structural engineer or qualified professional also should be consulted.
Preparing for the next winter storm [understanding load capacity]
  • Know how much snow your building can safely handle. Older buildings may be designed to lesser code.
  • Know the load capacity of your roof to prevent compromising its integrity and the potential for roof collapse. 
  • Be aware of the potential impact of drifting snow.
  • Assess the roof and structure inside and out for damage, cracks or corrosion and make repairs.
  • Inspect and clear all roof drains and gutters of debris to avoid ice accumulation, a contributor to roof collapse.
  • Buildings built before 2000 with standing seam metal roofs may have a design weakness. 
  • Buildings with wood bowstring truss roofs are prone to failure due to truss deterioration where it meets the wall.
Develop a plan to safely remove the snow
  • Establish a Snow Removal roof monitoring Plan to know when and how to engage in snow removal before too much snow/ice accumulates. Use of large snow blowers on a heavily, snow-loaded roof may present an excessive load.
  • A Snow Removal Plan should be reviewed by a structural engineer and roofing contractor.
  • Snow removal should be done safely and by trained individuals.
  • If a contractor does the removal, have a signed contract with appropriate language holding you harmless.
  • Ask the contractor to provide proof of adequate insurance coverage.     
Develop a contingency plan
  • Develop contingency plans to protect your building, contents, equipment, operations and people.
  • Identify alternate locations or companies to help keep your business operational.
  • Move goods and equipment to alternate locations or cover with tarps to protect them from damage.
  • Identify location of shut-off valves for gas, water and electrical utilities.
  • Be prepared to turn off automatic sprinkler systems.
During the winter storm
  • Monitor amount of snow, ice accumulation and snow drift across the entire roof and along long ridge lines.
  • Implement the Snow Removal Plan and safely monitor snow depth on roofs.
  • When removing snow from roofs, do not block building exits, fire hydrants, or utility valves.
  • Do not place piles where melting snow can cause seepage or flooding inside the building.
  • Know the warning signs of building structure stress and potential for collapse.
  • Contact a structural engineer for immediate inspection if there are signs of structural deflection or damage.
  • Shutdown of gas mains and sprinkler systems may be advisable if collapse is considered likely. Eliminate sources of ignition before turning off sprinkler systems.  Contact the fire department and property insurance company before turning off automatic sprinkler systems.
  • Implement contingency plans if collapse is imminent or has occurred.
After the storm
  • Inspect your property for damage and implement your contingency plan.
  • Prepare for the next storm and make changes to your snow removal and contingency plans as necessary.
  • Report any damage and claims promptly."

Thank you for choosing Jimcor Agencies.

The information provided in this document is intended for use as a guideline and is not intended as, nor does it constitute, legal or professional advice.  Northland, Jimcor, and Travelers do not warrant that adherence to, or compliance with, any recommendations, best practices, checklists, or guidelines will result in a particular outcome.  In no event will Northland, Jimcor, Travelers or any of their subsidiaries or affiliates be liable in tort or in contract to anyone who has access to or uses this information.  Northland, Jimcor, and Travelers do not warrant that the information in this document constitutes a complete and finite list of each and every item or procedure related to the topics or issues referenced herein.  This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy issued by Northland or Travelers, nor is it a representation that coverage does or does not exist for any particular claim or loss under any such policy.  Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law.



Monday, December 3, 2012

Sandy's Mold

Super storm Sandy is a distant memory to some people, but for others whose homes were inundated with water she never left.
Now that the water has receded  and most areas have been open to at least view the damaged property and see what can be salvaged, the questions start piling up.
One of the biggest concerns after such a storm is mold.
Take the time to talk to your clients about this danger and learn about the many resources you can direct clients to.
Here are a few links that can help with mold after a flood.
Remember that you can access claims information and adjuster contact information on our website through our Producer Portal, OASIS.

Thank you for choosing Jimcor Agencies.

Friday, November 16, 2012

Give the gift of EPLI for the holidays!



How many times do we all hear the phrase, "I don't have to worry about EPLI lawsuits in my office"? Or the classic, "For that price I will take the risk."

So what information can we give you to help you help you clients? What can we provide you that will convince your clients that EPLI is needed now more than ever?
For one, try reading the recent article found in National Underwriter magazine called just that - EPLI Needed Now More Than Ever. Next, our friends at National Underwriter have another article in the same online issue about how the 'Recession Creates EPLI Demand'. (If you are not already receiving these online news updates, you should). This suggested reading can provide useful tips.

EPLI Insurance is that "extra" that clients seem to think they don't really need. It is that piece they feel, especially when times are a little difficult and they are trying to cut costs, they can probably do without. As their agent, how do you talk to them about the importance while keeping costs down?

What about all of those Holiday Parties? People that typically don't drink may tend to 'take a sip or two' more than usual around the holidays and let their guard down around other employees and/or employers. Reduced inhibition can lead to situations that create the potential for lawsuit. Comments or jokes made when someone has had a few too many drinks that are misinterpreted by another employee who is sober often lead to trouble.

Defense costs can be costly. Forget about the settlement which obviously can be extremely high in many instances. How will your client defend themselves? How will they protect their reputation?

But, your client doesn't need EPLI, right?

This is the time of year for celebration, jubilation, thanks and good tidings. But it is also the time of year to take a moment and realize that one mistake - or even one person claiming a mistake - can take it all away.

How can they afford NOT to have EPLI?

Jimcor's Professional Liability Specialists are available to assist you and your staff with placing this coverage as well as numerous other professional liability classes.

Call today for more information or click here for a representative near you.

Monday, November 12, 2012

Portable Generator Hazards

Portable generators can be useful.  In the aftermath of Super-storm Sandy many businesses and homes lost power and resorted to their generators.  While a quick fix, there are numerous safety issues that one must be aware of.
To avoid CO poisoning when using generators:
  • Never run generators indoors, including garages, basements, crawlspaces and sheds
  • Get to fresh air right away if you start to feel dizzy or weak

Be safe.

From your friends at Jimcor Agencies


Friday, November 2, 2012

POST SANDY

First, we hope everyone is safe in the aftermath of Superstorm Sandy.

In efforts to provide the best service to our agents and their clients we wanted to pass on some useful information:

  • Homeowners / businesses should take photos or videos showing the extent of losses before cleaning up damage.
  • Only necessary repairs to prevent further damage to property, like covering broken windows, should be done at this time.  Permanent repairs should not be made until after insurers have inspected losses.  Damaged personal property should be kept until after an insurance settlement has been reached.
  • Homeowners and business owners should cooperate fully with their insurer.
  • Keep a diary of all conversations with agents, adjusters, etc and include name, time, dates and details of each call.
  • Please check if your area is required to boil water... it is the small things that can mean so much during these tough times. Gas is hard to find in the tri-state area, so only drive when necessary and car-pool when you can.
Most importantly, keep safe.  Objects can be replaced.

Red Cross and FEMA have set up stations throughout NJ and NY.
FEMA - 800-621-3362 www.disasterassistance.gov  www.fema.gov
Red Cross information: http://www.redcross.org/mobile-apps/hurricane-app  http://www.redcross.org/find-help/contact-family/register-safe-listing

Our industry has pulled together through disasters before, and we will pull together through this.

Thank you for your trust.

Your friends at Jimcor Agencies

Thursday, October 4, 2012

Excess & Surplus Lines Business in NY

Many agents around the country write NY business, some of which falls into the E & S Marketplace.

At Jimcor Agencies we want our agency partners to have access to the tools they need to successfully compete in this environment.  Therefor we felt it important to forward this information by ELANY (Excess Lines Association of NY) regarding Affidavit Part C.


We hope this assists you in writing business.

Thank you once again for choosing Jimcor Agencies.

Thursday, September 6, 2012

Dryer Fires

Dryer fires are becoming all too common.

According to a report by FEMA there are an estimated 2,900 clothes dryer fires in residential buildings reported to US fire departments each year causing approximately 5 deaths, 100 injuries and $35 million in property losses.  Failure to clean was the leading factor contributing to the ignition of clothes dryer fires in residential buildings.  (http://www.usfa.fema.gov/media/press/2012releases/080712.shtm)


Do you bring items like this to the attention of your homeowner policyholders?  What about apartment buildings or condo associations where there is a shared laundry space?  What about a nursing home?

This is not only a residential risk!

Here are interesting articles providing more information and statistics for your review as well as a Dryer Safety Top Ten List




If you are looking for homeowners, condo, apartment and other insurance please contact one of Jimcor's specialists who can match your risk with the best company.



Thursday, August 9, 2012

Olympic Size Insurance Risks



Have you been watching the Olympics?  Cheering on the good ole’ USA?  Ever take a moment to think about the insurance risks involved in such an amazing event?

The Independent (www.independent.co.uk) decided to look at just that and tries to answer the following questions:
What sports would make most insurance brokers wince?
What part of the opening ceremony has insurance providers squirming in their chairs?
Which athlete would cost most to insure?


What is the biggest event you ever insured?  What were the biggest risks associated with this event?

For concerts, sporting events, flea markets, car shows and more contact your Jimcor underwriter for the best markets at the best prices.

Tuesday, August 7, 2012

Are you LinkedIn?


Gone are the Rolodex’s with the business cards, names and phone numbers.  Now we have LinkedIn.  But unlike a business card, once we connect with someone on LinkedIn we virtually have their resume at our fingertips.  We know who their friends are, and we know where they used to work.

LinkedIn has become The Business Networking Tool.

But once you make a profile, what next?  Easy… get engaged.

·         Connect with people
·         Join groups
·         Ask and answer questions
·         Make sure to keep your profile updated with searchable key words


Jimcor employee's are on LinkedIn - find us, connect with us, and tell us what you would like to see on this blog!

Let us know where you are on the Social Media Highway, what tools you are using and successes you have seen!  Maybe you will see them mentioned here in this blog J