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How to Sell Miscellaneous Professional Liability

By: Elizabeth Sedlock | Posten on: Feb 16, 2012 3:22:00 PM

Miscellaneous Professional Liability (MPL) insurance offers protection for the errors and omissions (E&O) committed by professional service providers while delivering fee-based professional services.  Different than general liability (GL) policies, MPL covers the professional services rendered as well as the actual business. 

Almost every professional service provider, from dog groomers to court reporters to CAD designers, needs MPL coverage.  There are more than 350 hazard classes currently offered under the miscellaneous professional liability insurance umbrella.  As an agent, it can be difficult to properly focus marketing and sales efforts on professional liability as a whole.  That is why we recommend segmenting your activities monthly by specific classes. 

Professional Liability Insurance

For example, tax season is right around the corner.  Did you know that a tax professional can be held responsible for any IRS-assessed penalties and interest the client was charged during an audit?  In March and April, that professional liability message is particularly effective with your CPA and tax professional clients.  June is wedding season.  Did you know that the cost of weddings has risen by 22% annually for the last two years?  People are spending $25,000 on average for a wedding.  As the amount of money spent increases so does the number of wedding planners targeted for lawsuits.

Below is a suggested calendar for marketing miscellaneous professional liability to your clients.  We will be sending out information every month on the spotlight class to help you better sell to those clients.

MARCH: Accountants (CPAs, Bookkeepers, etc.)

APRIL: Marketing / Advertising

MAY: Event Planners

JUNE: Travel Agents

JULY: Real Estate Agents

AUGUST: Technology Professionals (IT Consultants, Software Designers, etc.)

SEPTEMBER: Medical Risk Professionals (Nurse Staffing, Labs, Imaging Facilities, etc.)

OCTOBER: Architects & Engineers

NOVEMBER: Animal Services (Kennels, Groomers, Dog Sitters, etc.)

DECEMBER: Legal Professionals (Lawyers, Paralegals, etc.)

 

Topics: safetytek, Miscellaneous Professional Liability, Management Liability, employers liability insurance, technology E&O, Stuckey & Co., technology insurance, professional E&O, professional liability, MPL

January 2012 Agent Alert - Stuckey & Company

By: Elizabeth Sedlock | Posten on: Jan 31, 2012 10:10:00 AM
Stuckey Agent Alert
Safety TekAspire A&EHarbor GuardMPLElementServicerProPersonalCommercial
 

Improve Your SEO: Write a Blog

As you know, improving your SEO is important for every business.  Visilibity is the key to increasing sales and growing your agency's reputation.  Writing a blog and gaining new inbound links to your site can make a huge difference to your overall SEO.

Meanwhile, Stuckey & Company is interested in helping educate the market and needs experts to write about agency issues, demands and experiences.  That is why we would like to invite you, our agents, to contribute to our blog.  For every article you write, we will post to our blog and provide a direct link to your website.  Likewise, we would love for you to link to our blog and our corporate site.

Here's the kicker: we'll pay you a modest marketing fee for each article we use! Contact Elizabeth Sedlock to get started today.


New People to Help You in 2012  

Andrew Wischmeyer

Position: MPL Underwriter  

Andrew Wischmeyer - MPL UnderwriterResponsibilities: Quote and underwrite MPL lines of business

Joined Stuckey & Co.: January 2012

Interesting Fact: Holds both private and instrument pilots licenses

Contact Information: andrew@stuckey.com, (800) 828-3452 *28

April Moore

Position: Endorsements

Responsibilities: Policy service to include endorsement processing

April Moore - EndorsementsJoined Stuckey & Co.: December 2011

Previous Experience: Marketing Coordinator from 2007-2011. @ KnowledgeLake, Inc. Specialized in Enterprise Content Management (Document Imaging & Capture)

Interesting Fact: Shoots competitively with a .45 ACP hand gun. (sport)

Contact Information: april@stuckey.com, (800) 828-3452 *19


SafetyTek Accepts Credit Cards

Offer Your Insureds Easy, Free Credit Card Payment Option!

We know that our success depends on yours. That is why we continue to offer you new ways to service your insureds, like the SafetyTek technology E&O liability insurance program's new credit card payment option.

There are no fees and credit cards are processed electronically using the authorize.net payment processing system.

To customize the payment page for your agency, email Maggie Hammett the following:

  • A copy of your agency logo.
  • Your customer service phone number.
  • Your customer service email address.

Find out more about the SafetyTek credit card page.

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


What is Data Breach?

Now Offer Your Small Business Customers This Specialized Coverage

What is data breach?  According to GAO, "data breach generally refers to an organization’s unauthorized or unintentional exposure, disclosure, or loss of sensitive personal information, which can include personally identifiable information (PII) such as Social Security numbers (SSN) or financial information such as credit card numbers"

Today, more and more businesses are storing and electronically sending sensitive data about their customers and employees.  In additon, there are more and more regulations requiring businesses to advise customers and employees if personal information has been revealed.  That makes data breach a serious issue for small businesses, where the majority of breaches have been reported.

Data breach can occur as simply as an employee losing a laptop.  Depending on the amount of PII on the laptop, a small accident can cost a business more than $20,000 in data breach alone.  Just last week, Zappos announced that personal information for close to 24 million customers might ahve been compromised by a hacker.  Imagine the cost of the same breach to a small business!

Find out more about helping protect your small business clients from data breach exposure and other cyberliablity risks.

 Contact Kyle Dallavis to learn more.

 
Inside This Issue
 

Improve Your SEO: Write a Blogdiv
New People to Help Youdiv
SafetyTek Accepts Credit Cards
div  What is Data Breach?div

 
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Top Tips

Did you know?

1. Commercial general liability does NOT cover technology E&O libability.  Your clients in the technology industry need both.  SafetyTek is a great option to examine.

2. The average homeowner's policy liability limit is $500,000.  Is that enough to cover major accidents for your high net worth clients?  Probably not.  Look into umbrella policies as a way to offer higher limits (up to $50 million in some cases).

3. There are more than 300 hazard classes covered under miscellaneous professional liability (MPL).  The top 5 most requested classes are:

-Mgmt. Consultants

-Marketing/Advertising

-Medical Billing, Coding, Transcription

-Translators/Interpreters

-Animal Services (training, kenneling, grooming, etc.)

 


Kudos
 

"Thank you for the fine, fast work you did on this new account, I can always count on Stuckey to do a good job for me."

-- Jerry Freis, Hatcher Insurance Inc.

 
 


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Topics: affinity insurance program, Stuckey & Company, stuckey and company, mga, it insurance, Miscellaneous Professional Liability, Management Liability, TECHNOLOGY, TECHNOLOGY, technology E&O, Stuckey, Stuckey & Co., stuckey and company, Stuckey and Co., mga insurance, IT E&O, technology insurance, agent alert

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.

Webinars

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
div

 
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RHYME & REASON

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.

 


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

 

 

Three Avocados Resize resized 600


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Topics: affinity insurance program, competitive insurance, speciality insurance, tornadoes, tornado, insurance claim, weather, storms, Stuckey & Company, Blog, marina insurance, harborguard, kerry stuckey, stuckey and company, mga, specialty insurance, green insurance, element, safetytek, it insurance, HIgh Value Homes, hurricane season and insurance, personal lines insurance, EPL, Miscellaneous Professional Liability, Employment Practices, Management Liability, office insurance, corporate insurance, employers liability insurance, TECHNOLOGY, TECHNOLOGY, HubSpot Tips, harborguard, technology E&O, Stuckey, Stuckey & Co., stuckey and company, Stuckey and Co., data loss insurance, data loss risk

Stuckey & Company Newsletter - Nov.

By: jennifer strathmann | Posten on: Nov 8, 2011 10:43:00 AM
Stuckey Agent Alert
Safety TekAspire A&EHarbor GuardMPLElementServicerProPersonalCommercial
 

Technology E&O Insurance Coverage

Information technology professional service providers operate in a perilous business climate - professional liability insurance will help protect their businesses.

Educate your clients… 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.

Other great news: The SafetyTek forms are now approved in Washington!



HarborGuard - Insurance coverage for everyone

At Stuckey & Company, we are particularly proud of our HarborGuard Marina program because this was the program that launched our company over 20 years ago. Today, we still offer the most comprehensive program for this specialized market, with tailored liability insurance for a wide variety of businesses, including marinas and boat yards, boat dealers, and marine artisans, including boat repair and supply shops.

Property

  • Onshore Property
  • Floating Property
  • Vessels Property
  • Misc Equipment
  • Rental Boat Physical Damage

 Liability

  • CGL - Commercial General Liability
  • MOLL - Marina Operators Legal Liability
  • P&I - Watercraft Liability
  • Liquor Liability
  • Non-Owned Auto Liability
  • Boat Rental Liability

Coverages

  • A+ IX rated carrier, non admitted
  • Liability Coverage includes GL and MOLL.
  • Boat rental liability is available
  • Liquor liability is available
  • Non-owned auto liability is available
  • Property Coverage on docks that include wind and collapse due to weight of ice and snow
  • Property Coverage can be written on Special Form
  • Property Valuation can be Actual Cash Value or Replacement Cost
  • Minimum annual premiums for $1 Million to $2 Million limits start at $2,500
  • Umbrellas 

For more information regarding our Marina Program, please contact Jerry Lovin.

 


Personal Lines Giveaway - Update

We recently ran a promotion during the months of August and September for a 40” LCD TV Giveaway.
While we announced the winner last month we have been anxiously awaiting her response to the great news she received

SafetyTek

“For the past 6 ½years that I have worked at Probity Insurance, I contact Stuckey & Company for my personal and commercial needs.

Stuckey & Company has demonstrated excellent customer service and turnaround times when quoting our clients. I have especially worked closely with Shelli Windle. I really don’t know what I would do without her. When I come across a certain issue or need immediate assistance, she is right there to assist me. She is the best of the best!!

I was extremely surprised when I found out that I was the winner of the 40” TV. I rarely win any contest, so when I was announced the winner, I was literally shocked (and excited). That was just the icing on the cake.

Thank You Stuckey & Company for being such a valuable asset to our Agency and helping us grow as a company and making our clients happy! Keep it going!”

- Cindy Dias


 
Inside This Issue
 

Worker's Compensation
div
Personal Lines - Teen Driving
div
Contest Winner

 
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RHYME & REASON

HarborGuard

Michael rowed the boat ashore,
his spirit filled with light;
John Paul Jones nearly lost his ship
before he’d begun to fight.

The Ancient Mariner got stuck at sea
for killing an albatross;
Charon used the underworld’s ferry
the mighty Styx to cross.

Captain Queeg of the U.S.S. Caine
succumbed to mutiny;
the jolly Pirates of Penzance
sang on the seven seas.

Whatever boat you fill with your dreams,
and whether it’s sunny or hailing,
Stuckey & Co.’s got Harbor Guard
to make for smoother sailing.

 

 


Kudos
  “You are the best! I really don't know what I would do without Stuckey & Company. You guys are amazing to work with."  


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Topics: competitive insurance, Stuckey & Company, Blog, stuckey and company, it insurance, Miscellaneous Professional Liability, Management Liability, corporate insurance, TECHNOLOGY

Private Company Employment Practices Liability Loss Scenarios

By: jennifer strathmann | Posten on: Oct 21, 2011 11:44:00 AM

Management Liability, Stuckey & Co.

Management Liability - Employers Liability Insurance

Cases against employers are on the rise. It is estimated that three out of five firms will be sued by an employee. Companies are finding that they are vulnerable from the pre-hiring process through the exit interview, even if the employee was never hired, or only at the company a matter of days.

It can happen to ANY firm. We have all experienced it. It could be a joke told in the break room, an employee you had to fire, a “friendly” programmer, or that person you chose not to hire. Every employer faces the reality that it will be the target of legal action from past, present and prospective employees. Even if the claim is groundless or fraudulent, the defense of a suit can be expensive in time, resources and financially.

Office love . . . can lead to corporate heartbreak

A female employee, who had been with XYZ Corporation for two years, exhibited a sudden drop-off in her work performance. Her supervisor set up a meeting with her to discuss her performance, but she failed to show up. She did show up for a rescheduled meeting, but she had alcohol on her breath. She complained during the meeting that she faced continuous sexual harassment from a senior manager and that his unwanted advances had created a hostile work environment. Her supervisor suggested that she take another position in the company at a different location, which the woman agreed to do. However, she failed to show up for work at the new location and skipped several more meetings with her supervisor.

The company terminated the employee, and she filed a lawsuit, alleging sexual harassment and wrongful termination and seeking $1 million in damages. In her suit, she alleged that a senior manager had been sexually obsessed with her for nearly two years, had maintained an uncomfortable closeness with her in the workplace, and had continually harassed her with questions about her personal life.

In subsequent interviews with managers and employees, it was discovered that the female employee and the senior manager were engaged in a consensual romantic relationship over the two-year period. Furthermore, witnesses said that the employee was also engaged in another love affair at the time, but she and the second lover had broken up at about the time her performance dropped off.

RESOLUTION

The company determined that it would rather settle than go to court. After paying more than $120,000 in defense costs, the company settled with the former employee for approximately $250,000.

Additional scenarios are available.

For more information, please contact Chris Boylan at chris@stuckey.com or  800-873-0228 x 35

Topics: competitive insurance, speciality insurance, Stuckey & Company, stuckey and company, EPL, Miscellaneous Professional Liability, Employment Practices, Management Liability, office insurance, corporate insurance, employers liability insurance

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