Rosenkilde & Associates - an ABCO/ICS Insurance Services Company Blog

Can I See Your License, Please? How to Avoid Insurance Scams

Tue, 27 Jul 2010 22:00:49 -0500

Verify the license status of the person selling the product. You can verify that the person selling you the product is licensed by checking licensee lists on the Maryland Insurance Administration's website, or call 888-204-6198. You should also check for a history of complaints. To check for possible complaints filed against a discount plan, call the Maryland Attorney General's Health Advocacy Division at 877-261-8807, or the Maryland Insurance Administration at 800-492-6116. http://www.wbaltv....

Better check those smoke detectors! Check this out!

Mon, 26 Jul 2010 06:58:17 -0500

This needs very little intro.....could make the difference between life and death! ...submitted from a childhood friend who now lives in Georgia..... Since you’re in the insurance business, I thought I would share this with you. My house is equipped with an inter-connected smoke alarm system. Most houses built within the last 20 years are. One unit is hard wired and the other unit is hard wired with a battery back up. I’m sure you’re familiar with it. They essentially...

Who's the MD Insurance Broker Charged with $2.5M Theft?

Sat, 24 Jul 2010 18:48:23 -0500

A New Jersey grand jury has indicted a Maryland insurance broker, his companies and an accomplice on charges they conspired to steal $2.5 million from the Perth Amboy school system, the state's attorney general said. Insurance broker Francis X. Gartland, his companies — Gartland and Co. and E-Administrative Systems — and a second broker, Brian Foley, of Summit, N.J., were indicted for their role in the scheme. They face charges of conspiracy, money laundering, theft, making false re...

The state of Ohio got increased rates...Is it coming east?

Wed, 21 Jul 2010 06:15:46 -0500

The folks in Ohio are staring down an increase in rates due to a total of $53,000,000 paid out in storm claims in May and June. Article Link Are Marylanders in for a rate increase? Who knows. There was a tornado warning last night in a number of metro counties. Don't think it isn't smart to be with an independent agent. We can shop your rates and "shelter you" from the storm impact. We have national, regional and local carriers that have different rate structures based on where they ope...

How are Investors Battling BP?

Tue, 20 Jul 2010 22:31:56 -0500

Shareholders angry about BP Plc's battered stock price are heading to the courthouse in hopes of reclaiming some of their losses, but they face an uphill battle.Since the Deepwater Horizon oil rig exploded in April, several BP shareholders have filed lawsuits accusing the company of breaking securities laws and hiding the risks of its drilling operations. The stakes are potentially huge, with the BP's market value down as much as $100 billion since the disaster.Some of the largest U.S. pension f...

Why Go Organic?

Mon, 19 Jul 2010 20:03:54 -0500

1. Reduce The Toxic Load: Keep Chemicals Out of the Air, Water, Soil and our Bodies 2. Reduce if Not Eliminate Off Farm Pollution 3. Protect Future Generations 4. Build Healthy Soil 5. Taste Better and Truer Flavor 6. Assist Family Farmers of all Sizes 7. Avoid Hasty and Poor Science in Your Food 8. Eating with a Sense of Place 9. Promote Biodiversity 10. Celebrate the Culture of Agriculture To read more go to http://www.organic.org/articles/showarticle/article-206 For more informatio...

"Give Me A Break" - Literally!

Mon, 19 Jul 2010 07:35:14 -0500

One of the Stella Awards for Stupidity! Remember Folks - this is not an insurance company settling this claim, this a Jury Award. Amber Carson of Lancaster, Pennsylvania because a jury ordered a Philadelphia restaurant to pay her $113,500 after she slipped on a spilled soft drink and broke her tailbone. The reason the soft drink was on the floor: Ms. Carson had thrown it at her boyfriend 30 seconds earlier during an argument. What ever happened to people being responsible for their own action...

How are Health Insurance Plans Restricting Your Choice of Doctor?

Sun, 18 Jul 2010 11:38:02 -0500

New health insurance plans being adopted by major insurance companies in the U.S. are coming with cheaper premiums, but will restrict the choice of doctors and hospitals patients can go to. Health insurance companies are approving a new plan that will lead to premiums that are 15% cheaper than current premium rates for many consumers. This is all part of the new health care plan put together by President Barack Obama and his administration. The good news out of all of this is the fact that users...

Shake it Up!

Fri, 16 Jul 2010 07:21:44 -0500

EARTHQUAKE in Maryland ? !! "Shake it Up" released in 1981 by The Cars Wow...3.6 on the Richter scale...right in Rockville Maryland..say it ain't so! Warning - your regular Home Policy DOES NOT cover the peril of Earthquake... If you want the coverage - call our office and we can endorse it right away.... Get it before it's too late ! It's more affordable than you think..... Happy Friday! Jeff Rosenkilde, CIC Jeff@abcoics.com

Water Outage Scheduled in Baltimore County?

Thu, 15 Jul 2010 14:00:20 -0500

Public utility crews in Baltimore County are scheduled to turn off water service to several hundred residences in Chase on July 25. A Baltimore County Department of Public Works statement released Thursday indicated that crews are scheduled to replace an old 4-inch water line with a new 6-inch line serving Chase Elementary School on Eastern Avenue. County engineers said the new water line will improve water pressure and upgrade fire protection at the school. The shutoff is scheduled to begin at ...

They'll take your house....don't kid yourself!

Thu, 15 Jul 2010 07:35:00 -0500

Homey don't play dat! If you are operating a home based business, you may be one of the 60% of people who think their home insurance covers the business they operate. WRONG. They will take your house after a loss..... 11 million people are running businesses out of their homes and only 40% have the proper coverage. You can wait until the claims adjuster shows you the exclusion in your home policy or give us a ring. We can take care of this issue very inexpens...

Breaking News! Allstate is "Banging Away" at Florida Residents!

Wed, 14 Jul 2010 07:52:26 -0500

Just when you thought BP was getting some bad press in the Sunshine State. "Along comes Allstate" Two Allstate subsidiaries in Florida are asking regulators to approve 33 percent and 18 percent average statewide rate increases for homeowners insurance based on the fact that loss expenses are exceeding premiums, Allstate said. Castle Key Insurance is asking for the larger increase. Castle Key Indemnity, the subsidiary writing new business in Florida, is looking for the lesser rate hike. All...

The Good Ole Days!

Tue, 13 Jul 2010 06:48:32 -0500

Mr. Good Ole Days! Ah...the good ole days! Brooks Robinson was selected as the All Star MVP in 1966. We recall days when there was no air conditioning, crabs and beer were a Saturday afternoon treat, and the Orioles were contenders on a yearly basis. My how things have changed. Brooks is still remembered, crabs and beer are expensive and risky - i.e. Gulf Oil laden crustaceans and alcohol poisoning. Insurance is not the product it used to be. Gone are the days when time w...

Is There an Important Economic Barometer that No One is Talking About?

Sat, 10 Jul 2010 22:01:49 -0500

This past Friday, the Federal Deposit Insurance Corporation (FDIC) shuttered another four US banks. That makes 90 bank failures so far in 2010. If bank failures continue at the same rate for the rest of 2010, you can expect perhaps 200 in total to fail this year. That would represent a jump over 2009, when the FDIC closed 140 failed banks. In 2008, just 25 US banks were closed by the FDIC. (To keep the number of failures in perspective, we need to remember that the US has about 8,000 bank...

Where's the Latest Insurance Fraud?

Sat, 10 Jul 2010 12:50:29 -0500

SAN BERNARDINO, Calif.—A Los Angeles County sheriff's deputy who reported his Cadillac stolen has turned himself in after an arrest warrant was issued for insurance fraud. The San Bernardino County District Attorney's Office said in a release Friday that 31-year-old deputy Eugene Peter Boese turned himself in Thursday. Prosecutors allege that Boese said his 2005 Cadillac CTS was stolen from the driveway of his Rancho Cucamonga home on March 14, 2009, and said he had both sets of keys to th...

Liberty Mutual gives Goldman Sachs a "Beat Down"

Fri, 09 Jul 2010 14:17:33 -0500

Another Friday of the "Beat the Heat" summer. Those that are following us on TWITTER and Facebook know that I am always looking for suggestions in improving ways that we can help our current clients. Please hit me on Jeff@abcoics.com and let me know how things are going in general and specifically with you. We will take inquiries under advisement. On another front..... Liberty Mutual has got to be going crazy over this one.... it looks like Liber...

Ocean Bound? Be Aware Of Neck Injuries, Rip Currents

Sat, 03 Jul 2010 12:32:30 -0500

OCEAN CITY, Md. -- While shallow water seems like the safest place to play in the surf, swimmers suffer serious neck injuries close to shore every summer. 11 News reporter Kerry Cavanaugh shows how the Ocean City Beach Patrol is saving lives with a life-saving technique. Watch the video below: Technique Saves Beach-Goers From Neck Injuries Cavanaugh's report first aired last summer, so it's currently been two years since Ward's accident. He told 11 News recently that he's do...

What are the Top Five Cholesterol Myths?

Thu, 01 Jul 2010 07:33:38 -0500

Myth 1: Americans have the highest cholesterol in the world Myth 2: Eggs are evil Myth 3: Kids can't have high cholesterol Myth 4: Food is heart-healthy if it says "0 mg cholesterol" Myth 5: Cholesterol is always a bad thing http://health.msn.com/health-topics/cholesterol/articlepage.aspx?cp-documentid=100242619&gt1=31007 For more information, contact Rosenkilde & Associates at (800) 564-0169

Is Health Care Getting More Popular?

Wed, 30 Jun 2010 12:41:42 -0500

A new Kaiser Family Foundation national poll shows support for President Barack Obama's health care bill bumping up in a significant way over the past month, data that seems to affirm the idea pushed by Administration officials that the legislation will ultimately be a net political positive for their party. Forty eight percent of adults tested in Kaiser's June survey had a favorable view of the law while 41 percent had an unfavorable view. That marks a reversal from the May Kaiser numbers where...

What Will Happen if Your Uninsured and in Poor Health?

Tue, 29 Jun 2010 23:22:49 -0500

The Obama administration is launching a special coverage program for uninsured Americans with medical problems this week, the most ambitious early investment of President Barack Obama's health care overhaul. But here's the catch: Premiums will be a stretch for many, even after government subsidies to bring rates close to what healthier groups of people are charged. And $5 billion that Congress allocated to the program through 2013 could run out well before that. The Pre-Existing Condition Insura...

Why are High-Risk Insurance Pools Opening Soon?

Sun, 27 Jun 2010 22:39:15 -0500

News outlets examine how states are coping with covering hard-to-insure people, confusion about insuring young adults and a COBRA subsidy extension. The New York Times: "The Obama administration is poised to award contracts worth hundreds of millions of dollars to about 20 states to run new insurance pools for people with serious medical problems. Applications will be available to the public in many states on Thursday, and coverage could start as early as August, said Richard A. Popper, deputy ...

Wonder what Maryland's Unemployment rate is like?

Wed, 23 Jun 2010 13:57:47 -0500

WBAL reports that Maryland is one of 37 states that saw its unemployment rate fall in May. According to the U.S. Department of Labor the jobless rate fell 3-tenths of a percent to 7.2-percent. Officials say the state added 11,200 jobs, but only 4,800 were in the private sector. The rest of those jobs were government jobs, mostly those of temporary U.S. Census workers. The Labor Department says the unemployment rate fell in 37 states. Christian Johansson, Maryland’s Secretary of Business an...

How is the state law trying to prevent speeding?

Mon, 21 Jun 2010 14:23:27 -0500

"Two more school zone speed cameras will become operational at 6 a.m. Monday. The cameras will be located in the 3900-block of Hollins Ferry Road near Lansdowne High School, and in the 200-block of East Padonia Road near Dulaney High School. Under state law, speeders caught traveling more than 12 m.p.h. above the speed limit on these cameras will only receive warnings for the next 30 days. Beginning July 21, violators will be subject to a $40 fine. This brings the total number of speed cam...

How is the Obama Administration Regulating Insurance Plans?

Wed, 16 Jun 2010 11:26:20 -0500

Small firms may not keep current health plans after White House decision. Although President Obama and many Democrats promised during the health care reform debate that “if you like your health plan, you can keep it,” the health insurance plans that are now offered by small businesses probably will not survive the transition to a regulated marketplace. The Obama administration acknowledged this on Monday, when it proposed regulations for determining what insurance plans can rem...

Who's on Your Insurance Plan? Do They Belong There?

Tue, 15 Jun 2010 10:51:37 -0500

AUDIT -- it's a five letter word that is merely a nuisance to some - and terrifying to others. Of course, unless you are a business owner, or an accountant, it's probably not something you lose a lot of sleep over.Until now. As a sign of the very-expensive-health-costs times, your employer may decide to do an audit of its own -- an audit of the dependents on your health insurance. Why? Because health costs have become a major expense to employers, and they are looking to rein i...

How Will Medical Insurance Change in 2011?

Mon, 14 Jun 2010 08:21:52 -0500

"President Barack Obama's massive health care overhaul, passed by Congress and signed into law by the president, is about to cost us all a fortune. Insurance expenses to employers will soar next year--and those costs will be passed along to all of us. A consulting firm says U.S. companies a huge increase in medical costs next year and many workers will be expected to pay a bigger share. The PricewaterhouseCoopers report says that for the first time, most of the American workforce is expected to ...

Do you have Dental Insurance and How Important is it?

Thu, 10 Jun 2010 09:15:27 -0500

(Reuters) - An estimated 45 million Americans do not have dental insurance, according to a government report released on Wednesday, and recently passed healthcare reform offers little direct help. Overall most non-elderly people who already have private health coverage also have a dental policy, but roughly 70 percent of those who have to buy their own health plan do not, according to the Centers for Disease Control and Prevention report. Under the health reforms passed in March, adults must buy...

Does Pennsylvania Need to Investigation their Health Insurance Companies?

Wed, 09 Jun 2010 09:32:41 -0500

HARRISBURG, Pa., June 9 /PRNewswire-USNewswire/ -- Governor Edward G. Rendell today announced that the Insurance Department is investigating Pennsylvania's nine largest health insurance companies to determine the reasons behind a pattern of controversial rate increases, and especially the extent to which those increases are driven by the use of questionable health profiling tools. "Federal health reform brings many opportunities for health insurance companies, starting with 32 million...

Does Pennsylvania Need to Investigation their Health Insurance Companies?

Wed, 09 Jun 2010 09:32:34 -0500

Are You a Layoff Victim?

Mon, 07 Jun 2010 12:37:49 -0500

Jim Sullivan lost his job as a manager at a wholesale distributor in June 2009, but he kept his health insurance thanks to the stimulus bill, which lowered his monthly premium from $638 to $223. Unfortunately for anyone laid off after May 31, House Democrats decided to forgo reauthorizing the 65 percent subsidy for COBRA, the federal program that allows laid off workers like Sullivan to continue their former employer's health insurance for 18 months -- but at full cost. Without the subsidy, COBR...

What is the MIA allowing health insurers to raise the dependent coverage to?

Fri, 04 Jun 2010 17:14:25 -0500

Health insurers writing policies in Maryland can change their forms to say “age 26,” instead of “age 25,” for their dependent coverage without the prior approval of the Maryland Insurance Administration. “To extend the coverage to the greatest number of dependents as the soonest possible date, it has been determined that a form filing will not be required at this time,” states MIA Bulletin 10-14, signed by Brenda A. Wilson, associate commissioner of the life a...

Have You Heard What has Happened in Florida with Property Insurance?

Thu, 03 Jun 2010 06:45:28 -0500

Florida's governor vetoed a property insurance reform bill Tuesday. Gov. Charlie Crist said in a memo that he was concerned the legislation would make it easier for insurers to increase residential premiums in Florida. He said he also had a problem with changes to mitigation discounts, meaning homeowners who have already made improvements to harden their homes against hurricanes could be unfairly penalized. "During these difficult economic times, Florida's consumers should not have to be concern...

Are Maryland Drivers the Most Improved?

Wed, 02 Jun 2010 10:37:03 -0500

It might not translate into better behavior on the highways, but a national driving test shows that Maryland's drivers made a remarkable improvement in their knowledge of the rules of the road over the past year. After lagging in the bottom fifth the past two years, Maryland drivers ranked 20th in the 2010 version of the GMAC Insurance National Drivers Test. Maryland's jump from 41st place in 2009 was the largest improvement of any of the 50 states and the District of Columbia. Maryland had rank...

What is O'Malley's Latest Investment Plan to Spur Jobs?

Tue, 01 Jun 2010 11:39:26 -0500

Gov. Martin O'Malley was expected to announce an administrative and legislative initiative to spur venture capital investment in Maryland's technology sector. The program is called "InvestMaryland" and it will be run by the Maryland Department of Business and Economic Development. The governor called it "a public-private partnership to fuel venture capital investment in our innovation economy, such as bioscience companies," according to prepared remarks given to The Baltimore Sun. How wil...

Are the Unemployed Required to Buy Insurance?

Fri, 28 May 2010 11:26:32 -0500

"In general, everyone is required to have insurance starting in 2014, even people who are unemployed. But you’ll be exempt from the requirement if your income is below the tax-filing threshold (in 2009, that amount was $9,350 for singles under age 65), or if buying even the lowest cost plan on the new health insurance exchanges, set to open that year, would exceed 8 percent of your income." http://prescriptions.blogs.nytimes.com/2010/05/28/are-the-unemployed-required-to-buy-insurance/ For...

Who is Helping South Dakota's Unemployment Insurance System?

Thu, 27 May 2010 10:15:00 -0500

"U.S. Sen. Tim Johnson says the federal Labor Department has approved nearly $11.8 million to help South Dakota's unemployment insurance system. The South Dakota Democrat says the state qualified for the remaining two-thirds of its share of federal stimulus money by enabling certain part-time workers to be eligible for unemployment insurance benefits and by providing additional weeks of benefits to people enrolled in training or education programs. State Labor Secretary Hilda Solis says the econ...

How is Maryland attempting to put a Stop to the Dangers of Bullying in Your Child's School?

Wed, 26 May 2010 07:02:43 -0500

"School districts across Maryland are being asked this week to engage in discussions and activities addressing the issue of school bullying after several recent high-profile cases in Baltimore and the nation. Maryland first lady Katie O'Malley and state schools Superintendent Nancy S. Grasmick have designated May 24-28 as Bullying Awareness and Prevention Week. O'Malley, along with state education officials, will kick off the week Monday morning with a visit to Pikesville Middle School. Pikesvil...

How will the Gulf Oil Spill Affect Hurricane Season?

Tue, 25 May 2010 19:05:49 -0500

"As hurricane season looms, forecasters, scientists and residents along the Gulf Coast worry that a major storm could make the oil spill worse. The National Oceanic and Atmospheric Administration says a hurricane, or a succession of them, may bring oil up from the depths of the Gulf of Mexico and then push it ashore. Forecasters say a season with multiple storms could send oil farther inland and spread it as far as Cape Hatteras, N.C." (http://www.usatoday.com/weather/storms/hurricanes/2010-05-1...

How can Healthy Food Negatively Effect Your Child's Health?

Mon, 17 May 2010 11:26:46 -0500

Children exposed to pesticides known as organophosphates could have a higher risk of attention-deficit/hyperactivity disorder (ADHD). Pesticide exposure at levels commonly found in a child’s environment may contribute to the development of attention deficit disorder, according to a study published in the June issue of the journal Pediatrics. The food supply is the major source of pesticide exposure for infants and children, according to the National Academy of Sciences. Frozen blueberries,...

Are you Aware of what the Future may hold for Health Care Insurance?

Fri, 14 May 2010 10:05:25 -0500

The National Federation of Independent Business is joining a federal lawsuit filed in Florida by 20 state attorneys general and governors against the health care overhaul. The nation's most influential small business lobby is joining a court challenge that argues Americans cannot be required under the Constitution to obtain insurance coverage. With 350,000 members, the NFIB boasts a far-reaching network of local activists. One of its pillars of the new health care law, which will be effective in...

How are New Car Insurance Laws are Effecting Your Rates?

Thu, 13 May 2010 10:25:42 -0500

In Annapolis on May 4, 2010 Gov. Martin O’Malley put his signature to a series of new laws, including HB 825. The new law increases the minimum amounts of coverage for bodily claims or death from a motor vehicle accident from $20,000 to $30,000 for one person, and from $40,000 to $60,000 for any two or more individuals. The law applies to all vehicle liability insurance policies issued, delivered or renewed in the state, starting Jan. 1, 2011. For further knowledge and info...

Contractors - Employee or Subcontractor?

Tue, 20 Apr 2010 11:03:31 -0500

http://www.facebook.com/home.php?#!/pages/Rosenkilde-Associates/201625421123?ref=ts

Free Home Inventory

Thu, 15 Apr 2010 12:40:57 -0500

Click on the link below to complete your free home inventory! www.knowyourstuff.org

Insuring your Jewelry

Mon, 05 Apr 2010 09:24:08 -0500

Most homeowner policies provide very limited coverage for jewelry. The reason for this is that jewelry is high-valued (especially in relation to its size), is easily lost or destroyed and is vulnerable to theft (as well as fraud). If you only own a modest amount of jewelry (say just a few hundred dollars), perhaps the limited coverage provided by a basic policy is adequate. However, when high values are involved, consider buying special insurance coverage. A few options are available such as buy...

Obama to promote health bill's business benefits

Thu, 01 Apr 2010 04:47:34 -0500

By JULIE PACE P { MARGIN: 12px 0px 0px } WASHINGTON (AP) - President Barack Obama is promoting his health care law's benefits for small businesses as he tries to rally public support for the massive overhaul. During a speech Thursday in Portland, Maine - the second stop in a series of appearances to sell the reforms - Obama was to focus on the plan's short- and long-term impacts on small businesses, many of which have suffered during the economic downturn. Under the plan, ...

Flood Insurance Program has Expired!

Wed, 31 Mar 2010 06:32:03 -0500

National Flood Insurance Program expired — again The National Flood Insurance Program (NFIP) cannot issue new policies, increase coverage on existing policies or renew policies. The U.S. Congress failed to extend the program (as well as COBRA) by the March 28 deadline and adjourned for Easter recess until April 12. We are hopeful that the Senate will pass a House bill that would retroactively reauthorize the program during a tentatively scheduled April 12 evening vote. Until that time, you ar...

April 2010 Newsletter

Tue, 30 Mar 2010 17:05:41 -0500

April newsletter.pdf

Insurance industry agrees to fix kids coverage gap

Tue, 30 Mar 2010 06:19:39 -0500

Insurance industry agrees to fix kids coverage gap Email this Story Mar 30, 4:53 AM (ET) By RICARDO ALONSO-ZALDIVAR P { MARGIN: 12px 0px 0px } WASHINGTON (AP) - If you can't beat them, join them. After nearly a year battling President Barack Obama and congressional Democrats over the health care overhaul, the insurance industry says it won't block the administration's efforts to fix a potentially embarrassing glitch in the new law. In a letter to Health and Human Service...

Health Care Reform - A Summary

Thu, 25 Mar 2010 07:31:09 -0500

As your benefits advisor, I would like to take this opportunity to provide you a summary of the key components of the health care reform legislation and how it may impact you and your business. I expect that given the number of years that it will take to fully rollout these reforms, there will continue to be changes to many elements of the legislation. However, for the first time in over a year, we have a much clearer view of the changes that will potentially take place. This bill will: · ...

Pass the Mold Please!

Thu, 04 Mar 2010 07:21:17 -0600

Most homeowners recognize the importance having snug, dry home. Now there’s a reason to put more emphasis on keeping it dry….toxic mold. A certain form of mold, called Stachybotrys (pronounced stakki-botris), is appearing in more headlines. Unfortunately, the mold, which is capable of causing illness in humans, is also becoming a familiar topic in courtrooms. Toxic mold, like other more common molds (such as penicillin), is found indoors and can grow on nearly any type of damp or wet surface inc...

Dealing with Ice Dams

Fri, 26 Feb 2010 05:44:57 -0600

Dealing with Ice Dam Ice dams are formed by either the sun, or loss of heat from your home causing the snow on your roof to melt. Water begins to flow under the snow as it travels down the roof. When the air temperature is significantly below freezing, the temperature of the roof deck, gutters, flashing and downspouts are below freezing as well and when the melted water hits these cold surfaces it begins to rapidly freeze and eventually, the gutters and downspouts are clogged with ice. This ice...

The Car Is Gone & I Still Owe the Bank??

Wed, 24 Feb 2010 11:12:27 -0600

Is Your Car Worth Less Than Your Loan? The economy has made financing cars more difficult and lease arrangements are scarce, car loan and existing leases may last as long as four to six years. Whether your vehicle is a coupe, sedan, van, sports utility vehicle, or truck, your vehicle’s value will depreciate very quickly. A rapid loss of actual value accompanied by a longer loan obligation spells trouble. It isn't’t unusual for the amount of the unpaid loan and lease balance becomes much larger...

Please Rob Me!

Tue, 23 Feb 2010 07:25:58 -0600

Hi All: The linger of winter tends to have us all wishing for greener pastures and time away from home. In that vein, we must be extremely wary of posting personal information about our whereabouts on Facebook, Twitter and other social networking areas. Economic times are tough and with that, desperate times usually expose desperate measures. From Identity theft to breaking into your home, social networking can give away a plethora of information that you would otherwise count as confidential...

"The Fatal Attraction"

Fri, 19 Feb 2010 13:37:31 -0600

"The Fatal Attraction" What Is An Attractive Nuisance? This is a term originated by a judge to describe property that attracts youngsters and, because of their dangerous nature, creates a special obligation to property owners. Examples are: swimming pools trampolines empty buildings appliances kept outside excavations construction materials All of these can lure children onto property and they all have the potential to cause serious injury. Why Do Attractive Nuisances...

Forward this message to all "Business Owners"

Wed, 17 Feb 2010 09:09:45 -0600

Hi All: If you know of a business looking for a GREAT insurance at a reasonable cost, please have them view this important video below - It highlights one of our carriers PUSH to be the "Carrier of Choice" in Maryland. Good stuff and a fine company! They love any type of Contractor / Auto Repair / Food Services! Regards, Jeff Rosenkilde, CIC PS: Have them call me on my cell 443-324-3294 Protect Your Business with ERIE

Choosing a Safe New Car

Fri, 12 Feb 2010 10:28:46 -0600

Nothing beats the new car smell when you sit in a brand new car. But how do you know how safe your new car will be if you are ever in an accident? It is simple: before you buy a new car, research the crash rating tests for that vehicle and check for some important safety features. The easiest way to check for safety of a model of car is to go to the government-sponsored web site, www.safercar.gov. Here you will find the results of safety tests for every model of car sold in the US through a ...

"History In The Making"

Thu, 11 Feb 2010 15:47:07 -0600

I have a feeling we won't see another storm like the two we had in the last week in our lifetime. We now need to re-focus our efforts in making sure that all of the claims received as a result of the snow storm are adjusted efficiently and expediently. The reason you purchased insurance was for just this type of major catastrophe. We are pleading with all of our clients to take extra care when driving over the next several weeks. Snow drifts in the country and icy roads in the city will contin...

Emergency Mode

Wed, 10 Feb 2010 06:48:41 -0600

Good Day All: Our agency will be closed today due to the adverse weather conditions. However, we are sensitive to your needs regarding any claims issue you may have. Use our emergency claims "hotline" numbers listed on our website in case of extreme emergency. Please follow this HOTLINK to find a list of our emergency claim numbers. We are hoping to get back to our offices - with full staff, by Thursday at some point. Please know that we are hoping that you are safe and coping with this storm...

Tunnel Vision Drivers - "Winter is Tough on Everyone"

Tue, 09 Feb 2010 11:54:40 -0600

So you awake to face another winter morning. You know how it goes, you take care of washing up, brushing what needs to be brushed, throwing down something edible so you can check off “eat healthy breakfast” from your to-do list and then you march out to your car. If you’re among the lucky ones, it may be just a matter of opening the garage door and heading out….but perhaps you’re not so lucky and you’re staring at a large, four-wheeled ball of ice. Okay you start the engine, turn on the heater, ...

The “Group Life” Nightmare

Mon, 25 Jan 2010 11:42:45 -0600

The “Group Life” Nightmare Don't Depend On This Coverage In A Down Economy! It's the abyss of cash flow. Times are still tough and may get more interesting as we move into the spring of this year. Health Care Reform is looming on the horizon and there isn't a program the Feds in Washington don't like. With the new “spend at will” Congress, employers may be facing tough decisions related your workplace benefits. Those that have the luxury of a workplace that offers Group Life Insuranc...