Stuckey & Company Newlsetter - August

Hurricane Season is upon us!

Hurricane season has started and forecasters are predicting an above-average number of storms. Now is the time for our clients to review policy coverage and understand how to protect their future during what can be a catastrophic event.

It is important as agents to try to educate our clients on steps they can take to save their property. Most measures need to be taken before a storm occurs – generally allowing 12 – 24 hours of preparation time. If you have clients that currently have marina, boat or personal property coverage or are in need of coverage the following link may be useful to pass along. 

Contact Shelli Windle at shelli@stuckey.com for any questions about our Personal Lines insurance program.

Personal Lines Giveaway - Now more than ever...EVERY submission counts

For every bound submission beginning Aug 15th at 6pm through Sept 30th, you will receive one entry into our Sweepstakes drawing for a 40" LCD Television.

There is no limit to how many entries you can incur during the Sweepstakes period.

Drawing will be held at 12pm on October 1st and winner will be announced via phone, email and our online newsletter within 24 hours.

Contact Shelli Windle at shelli@stuckey.com if you would like any more information regarding our Personal Lines Giveaway Promotion.

Marina Insurance - HarborGuard

With hurricane season among us, what better time to ensure you are covered? Stuckey & Company has over 20 years' of experience managing the HarborGuard marina insurance program, a specialty insurance program for a wide variety of marine businesses, including marinas and boat yards, boat dealers, and boat repair and supply shops. While many businesses in this industry are feeling the impact of the economy, Stuckey & Company has seen very strong activity from insurance agents with clients in need of these tailored coverages. The HarborGuard program includes new features that protect eligible classes, and gives agents more flexibility when writing policies. 

Popular new features include:


• Waived requirement for primary pollution coverage

• Now can include water sports liability up to policy limits 

• Now includes Sudden and Accidental Pollution coverage 

• Deductibles as low as $10,000 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.

“We have worked closely with the carrier to ensure the HarborGuard program is a competitive program in today’s insurance environment,” Stuckey says. “We’ve written or been very cost-competitive on every policy we’ve quoted, and agents have confirmed that the changes we’ve made are helping them meet their clients’ needs.” The carrier is rated by A+ (Superior) IX by A.M. Best, and is written non-admitted. The marine industry has very few national carriers with rates that are competitive for local markets. “Based on our 20 years of experience in marine insurance, we are confident that HarborGuard addresses the insurance needs of marinas and marine professionals who have had difficulty finding appropriate, affordable coverage in recent years,” Stuckey says. “For marine businesses that have insufficient liability insurance, or that have thought about reducing coverage to cut costs, our program gives them outstanding coverage at a price they can afford.” 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 Kerry Stuckey at 1-800-828-3452 ext 14