Timothy Horton

The claims trends for personal and commercial auto insurance are not sustainable. It's time we got serious about enforcing distracted driving, slowing down and being more defensive in our driving habits. Tort reform also must continue to be considered at the state level. Inflation surely isn't helping either. It costs everyone, and I know you can feel it when you open up your auto renewal policies.

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Choosing the right company for handling your contents claims is crucial. Some companies may divide the process across multiple departments, leading to delays and inaccuracies that can take months to resolve. Alternatively, you can rely on the Contents Adjuster Team. Contents A-Team utilizes TPAS, LLC adjusters, trained and certified through our custom Personal Property Certification course. Combined with CAT, LLC's unique and proprietary claim management methods, contents claims are handled efficiently and accurately, ensuring a smooth and timely resolution. Which team would you trust to handle your contents claims? The answer is clear. 😏 #CATLLC #TPASLLC #CONTENTS #WELOVECONTENTS #CONTENTSADJUSTER #WETRAINCONTENTSADJUSTERS #WELOVEADJUSTERS #COLLABORATION #CUSTOMTRAINING #CONTENTSCLAIMS #PERSONALPROPERTY

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Is that move really protected? Some moving insurance policies leave coverage gaps. This article explains how to insure a move adequately. https://lnkd.in/eY5uTWFP

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Check out the 4th edition of the The HUB Advocate -- your trusted bulletin for the latest trends, best practices and strategies from HUB's professional and executive liability specialists. Download the bulletin today! https://ow.ly/hT2f30sCZzI #RiskManagement #ProfessionalLiability

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https://lnkd.in/eMq5yghp Here we go!! Public adjustors blaming Insurance carrier adjustors for changing claims without telling anyone?? Anything is possible in Florida, but this sounds like another way to sound relevant. Most important is the claim gets paid quickly & the work get done properly. Reality is that using a Public adjustor or an attorney will always delay your claim by 12-18 months so be smart and do it yourself w/ a licensed GC or others that are licensed & insured. Please let Lee the IG educate you, your team of realtors, 1st time Homebuyer's or HOA's at an upcoming team meeting or educational class. Please call me at 833-USAssure or email me at Lee.gorodetsky@weinsuregroup.com to schedule a class soon live or by Zoom. My cell is always on at 954-270-7966. Our quotes are always done in 1 business day. #claimsmanagement #claimsinvestigations #publicadjuster #florida #homeownersinsurance #homeinsurance #condoinsurance #premiumincreases #rateincreases #southfloridarealestate #propertyandcasualtyinsurane #yourinsuranceconsultant

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Builder's risk in 2024: The bottom line is insureds should focus on minimizing risk and remain cautiously optimistic despite recent challenges. You do have options.................... https://lnkd.in/g_VQEUuZ

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Unlock the potential of the wave pool industry while staying protected. Explore our blog to discover strategies for managing wave pool liability and insurance.

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I've heard that IOA producers have to pay for tools & resources so what is the cost associated with claims, loss control, safety and other services? This is the second most asked question. Yes, there is a fee associated with risk services but it is substantially cheaper than what you are paying today. For example, most agencies reduce your renewal commission down to 20-30% so you are indirectly paying for the services whether you use them or not (also, there is likely an additional fee depending on the service). With IOA, we pay 57% then the producer decides which resources are needed for your clients and the average spend is less than 5%. This means, we pay 57% and the average producer is earning 48-52% once you factor in average expenses.

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Are insurance adjusters overwhelmed with reviewing and concluding emergency service invoices after a severe windstorm or tornado? Absolutely! But don't worry, SUREDGE is here to help. Our comprehensive review process ensures that every invoice is thoroughly scrutinized and agreements are made with service providers. We identify unnecessary costs, discuss invoices directly with service providers, and ensure that work is invoiced correctly. We focus on improving financial outcomes and positively impacting the claims process so policyholders can concentrate on rebuilding their homes. Contact SUREDGE today to learn more about our emergency service reviews, including water mitigation, mold remediation, debris removal, etc. Call us at 407-347-2360 or email info@suredge.reviews. Remember, SUREDGE is there for you when you need us!

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In a significant development for the life insurance and life settlement industries, the Connecticut Insurance Department has petitioned for an order of rehabilitation for PHL Variable Insurance Company and its subsidiaries, Concord Re and Palisado. This move, driven by financial instability, is poised to substantially impact policyholders and the future of risk-based purchases in the life settlement market. The implications of this petition are far-reaching, potentially altering the landscape for life insurance providers and reshaping how policyholders approach their financial planning and investment strategies. As the situation unfolds, stakeholders in the industry are closely monitoring the proceedings to gauge the potential long-term effects on market dynamics and consumer confidence. https://lnkd.in/eUZJVh7S. #LifeInsurance #InsuranceNews #FinancialStability #Policyholders #LifeSettlement #MarketImpact #FinancialPlanning #InvestmentStrategies #IndustryNews #ConnecticutInsurance

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Being a staff adjuster and now being a business owner advocating for policyholders has always had my wheels turning about what it takes to run a truly remarkable insurance company. In my opinnion it all starts with empowering your employees, especially the adjusters. Highly trained insurance adjusters with real scientific knowledge of how to properly adjust a claim while at the same time giving excellent customer service is now a thing of the past in what I am seeing. I am not saying all staff adjusters are like this but the trend seems to be going toward adjusters not having the training and/or the time needed to properly adjust a large loss property claim while exceeding expectations of the policyholder. As a staff adjuster I refused to cut our customers off because I had too many claims and not enough time to properly adjust them. That led me to where I am today. Now our firm prides itself in taking the time to properly adjust and negotiate fair settlements while maintaining excellence in customer service. We’ve been successful with this model for many years now. Maybe insurance companies can learn something from their past employees. Let’s hope so. Policy holders deserve better. Great article to read if you are in the insurance arena.

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Unlock New Business Opportunities with TripExcess Workforce Insurance Underwriters Are you looking for comprehensive, flexible, and affordable insurance? Look no further! TripExcess® is an innovative one-way Excess Automobile Liability, Excess General Liability, and Excess Cargo Insurance solution designed specifically for Insurance Agents and their Motor Carrier clients. #LearnMore https://lnkd.in/gWjKMY8Z KEY BENEFITS   ACCELERATING SUCCESS  TripExcess® opens doors for Motor Carriers to qualify for more loads, enhancing your chances of retention and renewals as an Insurance Agent.  ADDED PROTECTION  With TripExcess®, each shipment receives an additional layer of protection, appealing to a broader range of clients.  BROAD COVERAGE  With up to $2,000,000 in Excess Automobile and Excess General Liability coverage and up to $1,000,000 of Excess Cargo Liability coverage, TripExcess® caters to the unique needs of Motor Carriers.   FULL REFUND  Flexibility is key! Clients can cancel booked trips anytime and receive a full refund (provided the trip hasn't commenced), ensuring seamless operations and strengthening your reputation as a reliable Insurance Agent. #workcomp #trucking #motorcarrier

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If you’re an insured how you feeling reading this? 😬 The headline versus the reality of the entire market is definitely in contrast. Obviously carriers need to be profitable but the increases insureds have faced in the past several years does not make this article any easier to read. Hoping this means the market will start to cool off more.

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This article highlights the state of the US workers' compensation market. Results are excellent and appear ready to continue in that vein. #commercialinsurance #workerscomp

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