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Empowering Agents with EZConnect

By: Maggie Hammett | Posten on: Jan 16, 2015 9:52:52 AM


Stuckey & Company's professional liability team is giving agents the tools they need to satisfy technology clients with a 24/7 online access rating system.  


Agents, you can build up your technology E&O book of buisness by having a rating tool always at your fingertips:
  • Speed up turnaround time
  • Increase close rate
  • Simplify submission process
  • 24/7 Access 

 Although we are empowering our agents with an advanced technology online rating system. Stuckey & Company is an MGA and our committment to helping agents serve their customers efficiently and profitablity has not changed.  You can still expect expert advice when you need it.  Contact us at 800-828-3452 x 121 for your exclusive access.


Topics: it insurance, technology E&O, data loss insurance, technology insurance, professional E&O, professional liability, IT E&O, Licensed Agents

Streamling Professional Liability for the Technology Industry.

By: dwight stuckey | Posten on: Sep 11, 2013 10:52:00 AM

safetytek highres2

The new SafetyTek process simplifies Quoting, Billing and the Renewals Process.

As Technology continues to grow and strengthen as a major differentiator for main street businesses, SafetyTek remains a leading insurance program to manage the industry risks.  SafetyTek  provides professional liability to a wide array of technology centric classes from Mobile Application Development to Financial Funds Transfer.  Now, the SafetyTek Program’s streamlined underwriting process simplifies Quoting, Billing and Renewals.


For 18 years, Stuckey & Company has managed the Technology Insurance Program for ACE USA, rated A + XV by AM Best.  Over the 18 years we have introduced many changes, including:  an nationwide admitted product, increased coverage to a Multiple Insuring Agreement, combined multiple coverages into one “SafetyTek Endorsement” providing more savings, and now we are introducing online credit card payments and automatic renewals.


Secure, online credit card payments are now used on over 70% of our business offering a new level of simplicity for our agents and their insured’s.  Each quote that is generated out of our system includes a secure credit card payment link.  When clicked our customers are shown the coverage and payment option they have selected and given the ability to immediately process the online payment, all secured by authorize.net and Network Solutions.


Automatic Renewals will begin with coverage renewal dates of January 1, 2014.  With automatic renewals qualifying SafetyTek customers will not be required to complete a new application on the anniversary date of the coverage.   Instead, the agent will receive emailed notification of coverage renewal detailing policy terms and instructions on how to process payment.


Dwight Stuckey, President and CEO of Stuckey & Company, says he is proud to be one of a very limited number of companies offering this forward-thinking insurance process. “The SafetyTek Program is helping to support the people, companies and innovation that drive the technology industry,” he says. “From the critical R&D companies looking at next generation technologies to the next mobile application designed for our always on, anywhere connection to the world”


The SafetyTek Program is available to licensed agents who register with Stuckey & Company as a licensed agent. (Agents can register online at http://www.stuckey.com/forms/register_agency.php.) Stuckey & Company has in-house binding authority on all lines that qualify, and offers quick turnaround on quotes, generally within 48 hours. The program is licensed in all 48 mainland states. For more information, visit http://www.stuckey.com/safetytek/technology/technology-insurance.php.


About Stuckey and Company

Stuckey & Company is a specialty insurance provider based in Lake St. Louis, Missouri. For 22 years, Stuckey has offered commercial, professional and personal lines of insurance. Stuckey & Company’s network of more than 8,500 licensed agents has the knowledge and experience in dealing with specific coverage not typically covered under standard policies. As one of the fastest-growing specialty insurance providers in the U.S., Stuckey & Company offers E&O coverage to over 150 classes in sectors that include technology and IT consulting, accounting and financial services, government services, media, laboratories and education. In addition to Stuckey & Company’s Tek Division, the company offers professional liability insurance to Architects and Engineers through the Aspire A&E Insurance Program. For information on the SafetyTek Insurance Program from Stuckey & Company, call Maggie Hammett at 1-800-828-3452 x 21.


Topics: mga, safetytek, it insurance, TECHNOLOGY, technology E&O, data loss insurance, data loss risk, mga insurance, IT E&O, technology insurance, professional liability, commercial lines insurance, cyber liability insurance, Stuckey & Company, TECHNOLOGY

Data Breach and Cyber Liability -- a Yahoo! Warning

By: Elizabeth Sedlock | Posten on: Jul 13, 2012 2:23:00 PM

Well, data breach is back in the news. No surprise there. We are completely dependent on technology for the majority of our business transactions. That opens up a world of liability issues that small and mid-sized businesses need to be prepared to deal with.

Yesterday, it was announced that information from 450,000 Yahoo! Voices accounts had been breached. The passwords from those accounts were compromised. Wow. While Yahoo! almost assuredly has cyber-liability insurance, this incident is still going to affect the company dramatically. Not only will Yahoo! be required to notify each and every one of the 450,000 customers affected by the breach, which it is estimated costs $235 (on average) per customer, the company will also need to rebuild the trust that was also compromised because of the incident.

The beleaguered Internet company Yahoo! has another crisis on its hands: 450,000 user email addresses and passwords stolen from its user-generated content service, Yahoo! Voices.” – MSNBC. Read the entire article about the data breach here.

Still, even if Yahoo! does not carry cyber-liability insurance, which is incredibly unlikely, the company will stay in business after this is all resolved. Would your client survive an similar breach without cyber-liability insurance? Most likely, no. Now is the time to educate your clients on why cyber-liability insurance is a must in today’s business world. To learn more about helping protect your clients from data breach, contact Kyle Dallavis at kyle@stuckey.com.

Topics: TECHNOLOGY, data loss insurance, data loss risk, cyber liability insurance

Insurance and Technology: A Quick Primer

By: Elizabeth Sedlock | Posten on: Apr 20, 2012 11:02:00 AM

Lots of companies know that they need technology insurance but many are confused about the types of policies available from different technology insurance companies.  So, what do these companies really need to know about insurance and technology?

As an insurance agent, your job is to direct clients to the right insurance product for their needs.  To do that, you need to educate your clients about each type of product, from specialty insurance products to standard BOP and workers comp products.  For technology insurance, this is especially important since insurance and technology have only become truly tied together in the last 20 years.

Below are basic definitions of the two main types of technology insurance products available today.

1. Technology professional liability insurance (also known as tech insurance, IT insurance, information technology insurance, technology business insurance, technology errors & omissions, technology liability, and many, many more): As you can see from the list, there are many different names used for technology professional liability insurance.  This problem only adds to your client's confusion.  In general, when an underwriter uses the term, tech insurance, they are referring to professional liability insurance for IT/technology professionals.  This type of insurance encompasses the errors and omissions committed during a job or protects a company from charges of professional negligence or failure to perform their professional duties (either actual or alleged).

2. Cyber liability insurance (also known as cyber insurance, data breach insurance, network security insurance, network insurance and privacy insurance, hacker insurance, data loss insurance): Cyber liability insurance is designed to protects companies from the risks associated with doing business using the Internet, e-business, network security and data breach.  For all intents and purposes, it protects a company from unwanted or unintended cyber activity, from a hacker stealing sensitive data to an employee unwittingly passing a virus on to a client.

We like to simplify the difference by saying that technology professional liability insurance is specifically for any company doing business in the technology industry and cyber liability insurance is for every other company.  For more information on technology professional liability insurance products, please contact Maggie about SafetyTek and for more information about cyber liability insurance, please contact Chris.

Topics: safetytek, technology E&O, data loss insurance, technology insurance, cyber liability insurance

What kind of company needs cyber liability insurance coverage?

By: Elizabeth Sedlock | Posten on: Apr 6, 2012 3:27:00 PM

It is easy to say ‘everyone needs it’ from a marketing standpoint, but this is one of those coverage types where that statement is true.  It is 2012.  Business is done electronically. Data is stored (or at least routed/transferred) in almost every type of transaction. Third party payment processors are utilized. Medical providers are switching to electronic records. People run companies from smartphones and laptops and tablets.  Certainly some companies have MORE exposure that others, but one simple data breach (not necessarily a hack where data is stolen, but a simple breach) can bankrupt a small company because of the state-by-state notification laws. The expenses from this alone can be astronomical.

Cyber Liability InsuranceEVERY company should have a cyber liability insurance policy as part of their business plan.  A good coverage will address not only the cost of notification expenses, but PR campaigns to help the company in the face of a crisis event, many types of breaches.

The one thing we often see with this coverage is small companies with an ‘it won’t happen to me’ mentality.  This is the most dangerous attitude a small business owner can have.  To give you some perspective, let’s look at Sony.  We are all familiar with the Sony PlayStation network interruption that took place about a year ago.  Sony is a global technology company that spends billions annually on protecting itself from digital danger, and they still suffered one of the largest data intrusions in history. If someone can do this to Sony, a corporate giant that has an inordinate amount of security resource available, what COULD they do to a small business?

Here’s an even scarier situation.  Most people envision data breaches being perpetrated by an evil computer hacker but what about the people around you?  Here is an example: a business owner calls the exterminator because he saw a nasty cockroach in the kitchen.  The exterminator shows up on Tuesday as scheduled but, little does the business owner know, in his van is a small device (that can be purchased at RadioShack) to hack into the company’s network.  He comes to the lobby, identifies himself as the exterminator, and does his job.  Now he has FULL access to the facility.  Someone with technical knowledge can be hack into a company’s network in a matter of minutes and the owner just let him in!  He wasn’t the big bad computer guy.  He was the smiling hero; there to rid the kitchen of infestation but, boom, the company just got hacked.

Now, that scenario is rare but it happens and many times, even though a network is hacked, there may not be any actual criminal activity that comes from it.  Unfortunately, though, it can happen and your client can be held responsible.  Each state has their own notification laws that can require varying degrees of action.  On average, it is estimated that a single data breach can cost a company as much as $250 per PII (personally identifiable information).  The point is that cyber liability exposure is everywhere, but it isn’t always the Hollywood villain that is sitting in a dark basement with 20 computers that companies need to be worried about.  Just ask your clients to examine their exposure… how ‘secure’ are their buildings? Just ask the exterminator; he probably can answer better than anyone else… scared?


Topics: data loss insurance, technology insurance, cyber liability insurance

SafetyTek Technology E&O Liability Program Accepts Credit Cards

By: dwight stuckey | Posten on: Jan 20, 2012 10:53:00 AM

We know that our success depends on yours. That is why we continue to offer you new ways to service your insureds.  For example, this week, we announced that the SafetyTek technology E&O liability insurance program is now accepting credit card payments. 

The new credit card payment option is FREE and customizable so you can make a payment page that looks like it comes directly from your agency/brokerage instead of from a third-party partner. There are no fees and the payments are processed electronically using the authorize.net payment processing system.  Find out more about the SafetyTek credit card page.

Stuckey Credit Card Page

To learn even more the new SafetyTek credit card payment option, you can read the press release on PRWeb.


Topics: speciality insurance, Stuckey & Company, stuckey and company, specialty insurance, safetytek, it insurance, TECHNOLOGY, TECHNOLOGY, technology E&O, Stuckey, Stuckey & Co., stuckey and company, Stuckey and Co., data loss insurance, data loss risk, IT E&O, technology insurance

January Specialty Insurance Webinars -- Stuckey & Co.

By: Elizabeth Sedlock | Posten on: Jan 17, 2012 1:30:00 PM

Please join us for our upcoming January webinars.

January 19: New Agent Webinar

We like to welcome all our new agents to Stuckey & Company.  Every six months, we host a New Agent Webinar to help our new agents and brokers learn about our easy quoting and application systems as well as information on coverage options.  If you are not registered as a Stuckey agent, you can register at our Agent Registration page.

Register here.

January 26: SafetyTek Technology E&O Webinar

Did you know that Technology Errors and Omissions insurance coverage is NOT provided by a Commercial General Liability policy?  Learn all you need to know to grow your existing technology E&O business or jumpstart a new program.  This webinar will focus on the types of coverage offered by SafetyTek Technology E&O and the reasons your clients might need this type of specialized liability coverage.

Register here.

Topics: speciality insurance, Stuckey & Company, stuckey and company, specialty insurance, safetytek, it insurance, EPL, TECHNOLOGY, TECHNOLOGY, technology E&O, Stuckey, Stuckey & Co., stuckey and company, Stuckey and Co., data loss insurance, data loss risk, IT E&O, technology insurance

December Agent Alert - Stuckey & Company

By: Elizabeth Sedlock | Posten on: Dec 1, 2011 9:50:00 AM
Stuckey Agent Alert
Safety TekAspire A&EHarbor GuardMPLElementServicerProPersonalCommercial

Holiday Greetings

As the Holiday Season is upon us, we find ourselves reflecting on the past year and on those who have contributed to the success of Stuckey & Co. in a most significant way. From the bottom of our hearts, we say "thank you" to all of you who have made it possible for us to continue to serve our clients in such a wonderful way.

Each of you has played a valuable role in the success of our agency. We look forward to creating even more success together over the next year.

From our family to yours, we wish you a holiday filled with peace, love, and joy and a New Year with many blessings and lasting happiness.

Best to you all!

Dwight and Kerry Stuckey

What's New at Stuckey in 2012?

Incentives Program

At Stuckey & Company, we know that our success depends on working with the best producers.  To encourage you to grow your relationship with Stuckey & Company, we are launching a year-long, multi-product incentive program that will reward and recognize those of you who grow your business with Stuckey & Company. 

The program is simple: every two months, we will be focusing of one of our award-winning product lines.  For every new bind order you make of the featured product, you will be entered to win either the new iPhone 4S or a Kindle Fire.  A winner will be chosen for each product line so you have 6 chances to win.  It is up to you to claim your prize!

January-February: HarborGuard

March-April: SafetyTek Technology E&O

May-June: MPL

July-August: Aspire A&E

September-October: Commercial

November-December: Personal

Look for an email later this month announcing the start of the HarborGuard incentive program and outlining the terms and conditions.


Coming in January:

January 19: New Agent Webinar

Welcome to Stuckey & Company!  Every six months, we host a New Agent Webinar to help our new agents and brokers learn about our easy quoting and application systems as well as information on coverage options.

January 26: SafetyTek Technology E&O Webinar

Did you know that Technology Errors and Omissions insurance coverage is NOT provided by a Commercial General Liability policy?  Learn all you need to know to grow your existing technology E&O business or jumpstart a new program.  This webinar will focus on the types of coverage offered by SafetyTek Technology E&O and the reasons your clients might need this type of specialized liability coverage.

To RSVP for any of the Stuckey & Company webinars, please send an email to Elizabeth Sedlock at esedlock@stuckey.com with the webinar name in the subject line.  You can also visit our website to sign up. 

Marina Insurance - HarborGuard

Don’t forget: the HarborGuard incentive program starts in January!

So, the economy has not improved much.  One thing that never changes is the need for marina insurance, especially in underserved areas.  Because Stuckey & Company can write policies for marine businesses that have insufficient liability insurance, or that have thought about reducing coverage to cut costs, Stuckey & Company has seen very strong activity from insurance agents with clients in need of these tailored coverages. The HarborGuard program gives these marine businesses outstanding coverage at an affordable price. 

In addition, HarborGuard includes new features that protect eligible classes, and gives agents more flexibility when writing policies. 

Popular new features include:
• Now can include water sports liability up to policy limits 

• Now includes Sudden and Accidental Pollution coverage 

• Deductibles as low as $25,000 for docks, including wind/collapse 

• Campgrounds, resorts, and homeowners associations now included

• Now able to write excess/umbrella and auto 

• The program can also include replacement cost on docks, liquor liability, non-owned auto and boat rental.

January and February is the time when marine businesses look toward the upcoming season and revisit insurance coverage.  So don’t be caught out in the water trying to keep yourself afloat…let us assist you in reviewing your current marina coverage to see if we can improve both cost and coverage.

For more information, please contact Jerry Lovin at jerry@stuckey.com.

START QUOTING NOW!  Get in the running for an iPhone 4S or Kindle Fire.  For applications and forms, click here.

Bind More Technology E&O Insurance

Great news: The SafetyTek forms are now approved in California!

We know the tech industry.  As the pioneers in technology E&O coverage, we understand that information technology professional service providers operate in a perilous business climate.  You can help them protect their businesses by offering professional liability insurance tailored to THEIR needs.

Educate your clients on the whys and hows of technology E&O coverage…Many professionals will not know that Technology Errors and Omissions insurance coverage is not provided by a Commercial General Liability policy. Commercial General Liability does NOT provide coverage for programming errors, contract performance disputes or any other Professional Liability issues. IT consultants and companies who have General Liability without Professional Liability (Errors or Omissions) coverage are taking a serious risk. It’s like a doctor practicing medicine without Malpractice insurance.

Technology coverages encompass a range of exposures. Some are specifically tailored, and others are broader.

When it comes to a knowledgeable team of Technology E&O insurance professionals, Stuckey & Co. has you covered.

For more information regarding Technology E&O insurance, please contact Maggie Hammett at maggie@stuckey.com. 

START QUOTING NOW!  For applications and forms, click here.


Inside This Issue

What's New at Stuckey in 2012?div
Marina Insurance - HarborGuarddiv
Bind More Technology E&O




Happy Holidays!

We at Stuckey sat down this year
to design our holiday card,
but getting our family in here
turned out to be rather hard.

Mom, Pop and their kids showed up
to meet the photographer.
Then Pop suggested the office staff
should be in the picture for sure.

So Underwriting elbowed in.
Customer Service did too.
And little by little the Stuckey family
grew and grew and grew.

The photographer got a wide lens.
He told everyone to squeeze.
Mom interrupted and stopped it then
before we could say “Cheese!”

“Look at our family!” she said.
“I’m thankful to have you near.
How can we say it’s a family photo
without our customers here?”

So that’s why we don’t have a photo
and why this poem is for you.
May you be as blessed this holiday
as we are blessed all year through.


  The Three Avocados coffee we sent you last year paid for a well in Africa. To learn more about this wonderful organization, click here.



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