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Found 5 results

  1. Safe and healthy Friday to you all, I know that I missed the Tuesday installment of the TMIT, but I did want to get a post out to all of you today. As you may or may not know, I sit on the City Council in Sheridanopolis and recently my time has been devoted to a localized issue that I know many of you may be facing on a national level as well. It fells like months ago, but it was just recently I was fighting the insurance companies to allow for the manufacturing of hand sanitizer. Now, I have been embroiled in the crafting of an ordinance that has taken a lot of time and kept me from my TMIT posting this last week. What was the ordinance you may ask? It was an emergency ordinance allowing for the delivery of alcoholic beverages from liquor stores, microbreweries, wineries, distilleries, meaderies, cideries, etc., as long as they have the proper licensing in place for the sale of their goods. Up until now, this was deemed as not permissible due to state and local statue. With the passing of this ordinance, which did unanimously pass, these folks are now able to sell and then deliver alcoholic goods to private citizens and their residences. WOOHOO!!! In these crazy times of “physical distancing” (InsuranceMan 2.0!!! refuses to say “social distancing”, we can still stay social folks, we just need to stay physically away), it is important to be able to assist people in not going out, but we certainly want them to be able to get their food, medications, and ALCOHOL! After getting this passed, I was feeling pretty dang good. I wasn’t going to break my arm off patting myself on the back, but I was pretty pleased with myself. WELL, NOT SO FAST!!! The universe has a funny way of doing that to us, doesn’t it. As soon as I get the ordinance passed, I literally received an email from a business saying that their insurance company was PROHIBITING them, under the policy, from making any kind of delivery. That it would be excluded and therefore, if they started delivering alcohol, they would have no coverage and likely be dropped!!! UGH!!! No rest for this superhero. On to the new fight I go. Thankfully, I have a lot of good friends in good places and I was able to quickly avert this crisis. I reached out, immediately to a myriad of underwriters and I am pleased to announce that I have several carriers that will allow for the delivery of alcohol. Mmmmmm …… pleased with myself twice in one day …….. no bad. With that being said, if you need coverage for the delivery of your product, or if you have local liquor retailers selling your product, CHECK YOUR INSURANCE TO SEE IF IT IS COVERED!!! I am being inundated with folks reaching out to me telling me their agent and/or carrier are saying they are not allowed to deliver their goods. If you, or someone you know finds that they are not going to be allowed to deliver alcohol, have them call me, email me, text me, raise the InsuranceMan 2.0!!! signal to the sky … whatever it takes, and I will fix their problem. We need to band together, people, and be part of a solution, not part of the many problems that we face on a daily basis now. Retail Liquor Stores, Distilleries, Microbreweries, whatever … if they are having issues that are keeping them from doing business, let me get them back to business as usual (or BIGGER business as this looks like this is how it is going to be for a while). The ultimate goal is to keep your sales up during this time so let me assist you or your sellers in doing so. Until next time, dear reader … Stay Vigilant, healthy, and safe, Aaron Linden a.k.a. InsuranceMan 2.0!!! 307-752-5961 aaron@roaringforkins.com or insuranceman2.0@yahoo.com
  2. Good Thursday afternoon to you out there in ADI-Land, I wanted to give you some good news here today. We all can use good news, right?!?!? In light of all of the craziness and hording of items, many distilleries around the country have taken to manufacturing hand sanitizer. Brilliant! Kudos to those of you who can and are doing this in order to help folks out! Although I am a HUGE proponent of distilleries doing this, my “insurance-brain” kicked in and I thought to myself, “ Hummm … Well, ‘InsurancMan 2.0!!!’, hand sanitizer is not necessarily a rated liability exposure contemplated by the hazard classifications listed on the policy. Do you think the carriers would be willing to cover this?” That is just how my mind works, people. Don’t judge. Of course, I had to shoot off a flurry of emails earlier this morning asking the question so that I could know what the stance would be. “Who in their right mind would not be willing to cover this kind of thing at this point? It helps out distillers, it helps out people, and it helps the economy and battle of the virus!!! Of course they will all say, ‘Sure, that sounds great and helpful!’” As of writing this post, at 4:33pm MST, and as we all know, “Big ships turn slow”, there is one carrier that has come back to me affirming that they will provide coverage for this type of exposure currently to assist in combating this virus, or at least the spread of it! That is one carrier, out of many contacted, that took the bull by the horns and made a fluid and positive change to assist everyone in this process. One carrier that sees the importance of this situation and implemented quick change in a dynamic environment, without all the bureaucracy and, “Well, we are in the process of assessing this and we may know something at some point … blah, blah, blah …” I want to give a H U G E shout-out to this carrier. THANK YOU TO ILLINOIS CASUALTY COMPANY!!! If you are with this carrier, join me here on this post and let them know how much you appreciate what they are doing to assist you, and the country in understanding that things need to be able to move quickly so that we can all pitch in and beat this thing quicker and sooner than later. If you are not with this carrier, maybe you want to be. Depending on what state you reside in and if they write there, maybe you should give them a shot. Feel free to contact me and if possible, I can get you placed with this carrier. It is folks like this that we need to show our appreciation for and a great way to do that is to do business with folks that want to do business with us. They have basically said that they are willing to provide this coverage through the end of April, at which point they will assess where things stand, and if necessary, they may add this as a classification code to the General Liability side of the policy. Until then though, they are willing to take this on in order to help out. Huzzah, Illinois Casualty Company. Thank you for doing your part!!! Until next time dear readers … Stay Vigilant, Aaron Linden a.k.a. InsuranceMan 2.0!!! 307-752-5961 aaron@roaringforkins.com or insuranceman2.0@yahoo.com
  3. Healthy Tuesday Morning to you all, I truly hope my post finds you doing well and staying that way. The most important thing during these uncertain times is to remain positive. I know that with all is going on in the world and the economy, and businesses being shut down, it is sometimes hard to find things to remain positive about, but they are still out there. For one, it is St. Patrick's Day. That is a good thing!!! Maybe grab yourself a "Black & Tan" or a "Guinness", and focus on the day and all that you do have to be thankful for. Cheers to you, my friends. As I sit here in my lair of solitude, or as I know understand it to be known, "My lair of social-distancing", I am being inundated with questions and emails from clients and carriers alike. People have been asking and continue to ask, "What if we are shut down due to this virus? Is there some type of insurance coverage that may kick in?" Carriers have been sending out a flurry of informational emails that also speak to this topic and I wanted to share those with you here so that you can arm yourself with information as well. At this point in time, the insurance industry as well as specific carriers have been providing information in regard to Business Income (a.k.a. Business Interruption) & Extra Expense (hereafter known as BI/EE) coverage. This coverage is meant to provide for ongoing expenses and income reimbursement in the wake of a "covered cause of loss" that results in a business being shut down or slowing in sales as a result, as well as several other factors. The issue here is the definition of a "covered loss" or a "named peril". Currently, a pandemic, such as the Coronavirus, is not necessarily a covered loss or peril. Most policies have a Disease Exclusion, but even if they do not contain that specific language, unless your facility has been contaminated and deemed "inhabitable" or "not able to be used as intended", there is no coverage applicable due to this virus. I know that this is not necessarily the news you were hoping for, especially if you are in on of the states that is experiencing a mandatory shutdown of bars, restaurants, and other business, (or gatherings of over 10 people ... REALLY!) but keep in mind, I am here to assist you in whatever way possible, and I am just wanting to communicate the information to you so that you can arm yourselves with knowledge and know what to expect. I have also gone out to several different carriers and asked them about the possibility of coverage under the "CIVIL AUTHORITY" aspect of the policy. Again, unless there is a shutdown of an area due to a "covered 'loss'", BI/EE coverage would not apply. Let's say for instance that you are in a multi-tenant building and your neighboring business has been identified as property that has been contaminated by the Coronavirus and is therefore shutdown. Due to the fact that you may share ventilation (maybe), or perhaps a common lobby area or some-other-such "commonality", your business is now shutdown due to civil authority. This may be a BI/EE claim due to the fact that they have shut you down in order to determine if the virus has spread to your property. At the end of the day, we could sit and come up with a billion and one different scenarios in regard to this pandemic and the potential impacts that it is having around the US, and the world. In the end though, it would all just be speculation and "what-ifs" and not result in any certainties. As I have said in prior posts, and I will say again here, when in doubt, file a claim. If you feel there is legitimacy in filing a claim, then do so. That is why you have insurance. Hopefully, armed with this information, it will assist you with knowing where you stand in the process. Until next time dear readers ... Stay Vigilant (and healthy. WASH THOSE HANDS), Aaron Linden a.k.a. InsuranceMan 2.0!!! 307-752-5961 aaron@roaringforkins.com or insuranceman2.0@yahoo.com
  4. Good Friday to you dear ADI readers, As you know (or you should know by now), I put up a TMIT entitled “Coronavirus” that was done in jest to try and alleviate some of the stress and tension that is surrounding this pandemic. It was done for fun and to be funny. This virus IS a serious issue and is having economic ramifications that are far and wide and will be felt for quite a while to come. With that, I did want to put up a more serious insurance post. I, InsuranceMan 2.0!!! have been speaking with quite a few clients recently asking about how insurance may apply to this virus. More specifically, is there any kind of coverage that may pay for diminished sales due to the pandemic? What about if our employees contract the disease? Well, dear reader, let me address these quarries here so that you can know and be well informed too. The first question I will address is this, “Is there any type of coverage for a disruption to my business due to the Coronavirus?” The short answer is that it simply depends on a lot of things. It depends on what carrier underwrites your policy. It depends furthermore on the language of the policy, as well as the coverage options that you have chosen. One area that this potentially could see coverage would be under your “Business Income (or “Interruption”) & Extra Expense” (hereafter referred to as BI/EE) portion of your coverage. If you do not have that coverage, then there is no coverage available. Some carriers offer it as part of their overall suite of coverage enhancements, with others it has to be specifically asked for and a premium charge usually results. The only way to know if you have this type of coverage would be to check your policy or call your agent, or send them an email, or whatever you chose. Generally speaking, BI/EE coverage usually requires that a covered direct physical loss take place to the insured property. So, the question becomes this, is a pandemic a direct physical loss to your insured property? The quick answer would be no. It is not like a fire, wind incident, or smoke damage type of encounter that is normally contemplated and associated with this type of coverage trigger. However, several courts have determined that “property damage” can include property that is deemed “uninhabitable” or “otherwise unfit for its intended use” to be included in the meaning of “commercial property” which then may make this a covered direct physical loss. With this scenario mentioned above, if you facility were to be shut down due to the Coronavirus, for decontamination, etc., then it is quite possible that a case could be made that your facility was deemed “uninhabitable” or “unfit for its intended use” and therefore the BI/EE coverage could be contemplated. However, if patrons just have decided not to go out and eat, drink, socialize, and have a good time, it would be very difficult to say that the drop in sales is a DIRECT EFFECT of the Coronavirus. It may be a correlation, but in a courtroom that may not be enough to show cause as a certain DIRECT RESULT of loss of business. Interestingly though, what if the whole area surrounding your business is shutdown and quarantined? This could also be known as a “CIVIL AUTHORITY” closure and that is usually specifically addressed in the BI/EE section of the policy. Here is a snippet from a policy I recently wrote for a client: Civil Authority We will pay for the actual “loss” of Business Income you sustain, and necessary Extra Expense you incur that is caused by action of civil authority that prohibits access to the described premises due to direct physical “loss” of or damage to property, other than at the described premises, caused by or resulting from any Covered Cause of Loss. The coverage for Business Income will begin 72 hours after the time of that action and will apply for a period of up to four consecutive weeks after coverage begins. The coverage forExtra Expense will begin immediately after the time of that action and will end: a. Four consecutive weeks after the time of that action; or b. When your Business Income coverage ends; whichever comes first. Here we see again that language of “actual ‘loss’”, which this may qualify as since it goes on to say, “… described premises due to a direct physical “loss” of or damage to property …” As described above, “uninhabitable” or “unfit” may very well qualify in this case. You will notice though that there is a “72 hour” wait time, similar to a deductible, meaning that if you are shut down for less than 72 hours, coverage will not apply. As well, you will see specific language that states that the coverage will end after four consecutive weeks of being shut down or you exhaust your limit of coverage. Not to go too far down the rabbit hole here, but if you were shut down for a week due to civil authority (7-days), you would have a 3 day waiting period and potentially be eligible for 4 days’ worth of BI/EE. If they opened your area back up, but then shut it down again a day later that would constitute a separate event and the whole thing would start over again. If you were shut out of your facility for 2 months, well, the first 4 weeks (or potentially your full limit is reached) would be covered, but then it would end after that fourth consecutive week. Just wanted to clarify that. OK, what about the case where you are still up and running but you have a supplier that is not, and it is now impacting your operations? Or, you are still up and running but maybe the distributer is shutdown due to the virus? If you have the “Contingent Business Property” endorsement under you BI/EE coverage, you may have a claim. Here is another snippet from the same policy: Contingent Business Property We will pay for the actual “loss” of Business Income you sustain, and necessary Extra Expense you incur when Contingent Business Property is damaged by a Covered Cause of Loss. We will reduce the amount of your Business Income “loss,” other than Extra Expense, to the extent you can resume “operations,” in whole or in part, by using any other available: a. Source of materials; or b. Outlet for your products. The most we will pay under these sections B. 1., 2., and 3. combined is $300,000 for any one occurrence. As you can see here, there may be coverage for you to pay to source your materials from somewhere else, or to pay to assist you in selling your products through another outlet, if possible and permissible by state law, etc. The additional cost of these would reduce your BI/EE limit, but if you can stay operational even if it costs a bit more, but the carrier would pick up that difference (up to the $300,000 amount illustrated in this policy coverage), it would be better than having to out of pocket it yourself. This brings us to Workers Compensation and the impact of the virus. Workers compensation does cover employees that are injured on the job, either in a physical sense, or in a disease sense. The limits are even broken out as “Bodily Injury by Accident”, and “Bodily Injury by Disease”. Here again though, it is going t be difficult to make a claim simply due to the fact that it would have to be proven that your employee contracted this virus while performing duties associated with your business, i.e., while “on the clock”. Being that the virus can live on surfaces, or be transmitted in a number of different ways, and may lay dormant for a time period, it may be a challenge to pinpoint that your employee picked this up on work time and not on personal time. If this type of instance arises, I would advise that you proceed as normal by placing a claim with the workers comp company, have a claims representative assigned to your claim, and let them make the determination as to when and where the employee may have contracted the disease and if coverage is applicable or not. The end story here folks is that that whether you may be looking to put a claim in under your package policy for BI/EE, or if you are dealing with a sick employee, expect the insurance carriers to meet you head on with pushback. We are talking about a pandemic here that is far reaching and could end up being very costly … even more so that it already has been. It has and will continue to wreak havoc on our economy and I don’t know of anyone that will be jumping up and down waiving their hands in the air wanting to be first in line to pay for whatever the end result of all of this will be. I would advise however, the old adage of, “You won’t know if you don’t ask” may apply here. If you are shut down due to civil authority, or if you have an employee that believes they contracted the disease while at work, put in a claim. The worst that could happen is that the carrier says that there is no coverage and the best that could happen is that they say that there is and you obtain some relief. Either way, it is better to make the carrier out to be the big bad wolf than taking the fall yourself for not doing anything. I hope you all stay well, stay health, wash your hands like a surgeon scrubbing in for a 10 hour procedure, cover your coughs and sneezes, and just be safe. I, InsuranceMan 2.0!!! have a dear place in my heart for all of you and I want all the best for you. If you do have questions about how the virus may impact your business and if there is an insurance solution for it, or any other insurance questions at all, please do not hesitate to reach out to me. Until next time dear readers … Stay Vigilant (and healthy), Aaron Linden a.k.a InsuranceMan 2.0!!! (307)752-5961 aaron@roaringforkins.com or insuranceman2.0@yahoo.com
  5. Dearest ADI members, I truly hope you are all well, and staying that way in the midst of this crazy pandemic. I have to tell you, I am disappointed with the news and media sources in the light of the events unfolding around the world. I personally think that this virus is horrible, do not get me wrong, but I think that things have become overly sensationalized in recent days. The common flu causes more deaths annually than this virus has caused, yet we do not cancel sporting events, drop the stock market through the basement, and ban gathering of 250 people or more. I am not 100% sure what is happening, or why this has taken on such an incredibly gigantic pandemic status, but it has. It is serious, I understand and acknowledge that fact, I do. With that though, I think that the masses need to remain calm, take precautions, but also keep your normal life and sense of humor in these difficult, "toilet paper shortage" times. With that, I offer you an invaluable marketing tip in the face of economic adversity. Are you ready? OK, here it is. If you have been to your local "Stuff-Mart" or other "get all your stuff here" store, you have probably run into a TP shortage (which BTW's, I totally don't understand. This is not an intestinal distress virus ... so what gives with people hoarding toilet paper???!!?!?!?! Really?!?!??!) Anyway, alcohol is supposedly one of the things that staves this virus off, and with that, I am about to divulge one of the most masterful marketing ideas to assist in driving your sales in this time of insanity. Ready? Here it is! Yes!!!! This is a marketing strategy to ensure sales in this time of crisis! Take each of your bottles and place a new, unused roll of toilet paper on the neck of your bottle and change your pricing by 50%-100% and watch your product fly off the shelves! Alcohol is supposedly a virus deterrent, and toilet paper is a hot commodity. Partner the two and voilà, instant increase in sales, instant demand, and instant profits. You're welcome!!!! One last piece of advice ... I have also heard that the only known deterrents may also be what are known as "Biological Anxiety Reliefs" a.k.a. BARS, "radioactive unvirus medicine" a.k.a. RUM, and "vaccine official depression killing antigen" a.k.a. VODKA. Keep this in mind, and until next time dear reader ... Stay vigilant (and healthy), Aaron Linden a.k.a. InsuranceMan 2.0!!! (307-752-5961 aaron@roaringforkins.com or insurancman2.0@yahoo.com ********** OBVIOUSLY THIS POST IS ALL IN FUN AND AN ATTEMPT TO KEEP CALM AND LIGHT IN THE FACE OF THESE UNKNOWN TIMES. IF YOU KNOW ME, YOU KNOW THAT I LIKE TO JOKE AND HAVE FUN, EVEN WHEN THE GOING GETS TOUGH. IN THESE TIMES THE TOUGH KEEP GOING!!! **********
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