Tag: office

D&D Coverage Alert #2

June 10, 2019

When a Kid (aka: Employee) gets there hand caught in the cookie jar by their Parents (aka: Employer) this is defined as “Employee Theft”.  So if your employer has cash $$$ on hand or Business Property (i.e. Chocolate Chip Cookies) than make sure your Business Owners Policy or Commercial Policy has Employee Theft (aka: Crime Coverage). Employees taking cash or business personal property are typically excluded, even under broadening endorsements.

When the Kids friend (aka: non-employee) steals cash from the employers Piggy Bank, This coverage is called “Money & Securities”. The piggy bank dollar $$$ amount limits can be set differently for both on or off premises. So depending on how much money is in the mud pen or how much money the piggy flies off site with, will determine the limit values. The same coverage principles can apply. Might be excluded, even under broadening endorsements.

D&D Coverage Alert #1

June 10, 2019

Like back in 1949 during the California Gold Rush, we are now seeing a 21st Century boom in the new residential building industry. So the Insurance companies are tightening the reins on the mules.

Please double check and review the definition of “Project” for your sub-contractor or general contractor liability policies. When it comes to residential construction defect claims, we are seeing policy language, including “Project” endorsements that limit or exclude coverage. We are finding a limit on the number of Homes within the overall housing development.  Not to be confused with the total homes worked on by the Insured.

The “Project” is the TOTAL number of homes within the development. This includes ALL Phases, present and future. So if the insured is only contracted to work on 50 homes, but the Project has a total development of 100 homes, this endorsement could exclude coverage.

The intent of the endorsement is to limit the construction defect exposure. The higher the number of homes within the Project will increase the potential for construction defect lawsuits. That is why they limit the number of homes on the endorsement.

So please remember to double check the insurance application questions, policy language and recognize any “Project” endorsements.

Email System Upgrade

February 11, 2019

A note from John McNally

This weekend will be a large transition for this agency.

We will be upgrading our e-mail system to Office 365.

It will take a lot of work from the IT Department and a massive amount of patience on your part.

Our e-mail will be down all this weekend while the transition happens, 99% of the e-mail will still come through to you on Tuesday, but things may happen.

For all our users, please be extremely patient on Tuesday morning the 19th.

All users’ passwords to log in to your computer will be changed over the weekend to: This is your new password.

You will be prompted to change it at that time.

There might be a lot of cleanup and organization for the IT Department to do in order to get you up and running 100%.

We have over 265 e-mail accounts across all our locations, nothing about this is easy.

If we could do it one at a time, I would have; unfortunately, it is an all or nothing scenario.

I will be coordinating the efforts to get everything running 100%, so please only call me next Tuesday the 19th with e-mail issues.

We will create a list and work our way down it 1 by 1.

Please do not call Reece or Chris directly during this time.

If you are a producer or manager and have e-mail on your smartphone, this will be down during this time.

We will need to change your settings after the weekend, please be patient with us as we will have a lot going on at once on Tuesday.

Thank you for your consideration.

If you have any questions prior to this weekend, please let me know.

Jon McNally

Director of Information Technology

Office: 559.432.0222 | Direct: 559.437.6660

Email: [email protected] | Fax: 559.437.6661

Throwback Thursday: Limo Lunch!

November 30, 2017

This week’s #TBT goes out to Curt Zimmerman, who took several members of the Modesto team out to a “Limo Lunch” as a thank you a while back. How fun!!

The D&D Project

October 9, 2017

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