Your Facebook Post Can Cost You Millions

 

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Does Your Homeowner’s Insurance Cover Social Media?

A Texas jury has awarded a wedding photographer more than $1 million after determining a newly married couple unhappy with her work launched a social media campaign to post falsehoods about her. The Dallas County jury found Friday that the campaign against Andrea Polito amounted to defamation. The jury unanimously found the couple acted of out malice in targeting Polito in the months after their October 2014 wedding. (AP) Read article.

Social media has changed how we communicate with family and friends. Technology has made it so that anyone can have their voice heard and their comments recorded for posterity.  Among the greatest contributors to this revolution are your teenagers…and you can be held responsible for their actions.

What Kind Of Personal Insurance Claim Can Come From A Social Media Post?

Recently, a 16-year-old student sued five classmates and their parents for online harassment. Whether or not the allegations are true, the teenagers and their parents required legal resources to defend themselves for the possible judgments against them.

What Does Homeowner’s Insurance Provide?

Most people assume their homeowner’s insurance will cover any kind of claim that comes from social media content. However, you need to have personal injury coverage as part of your homeowner’s insurance policy. If you bought your insurance online you may not have this coverage.

Personal Injury coverage is an optional endorsement on the standard homeowner’s policy that provides protection for libel, slander, defamation of character, false arrest, malicious prosecution, and wrongful eviction. This coverage is also provided by most umbrella policies.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Summer Can Be Risky for Everyone

download (1)A Personal Insurance and Safety update

Summertime means more of us are heading to the pool, lake, ocean, or river to relax and have fun.  Unfortunately, these activities can lead to accidents and injury.  Summer also brings increases in heat related illness and teen driving accidents, according to PC260.com.

It is also important to have a personal insurance review to make sure all your summer activities are covered.  For example, if you have purchased a boat, you may need a separate watercraft policy.  In addition, if you have installed a pool you will need to add that risk to your homeowner’s policy.  We want you to have an enjoyable and safe summer, so here are some reminders about summertime safety.

Some of the Top Summer Risks

  • River water can be very cold, especially as the early snowmelt flows downriver. Even if it is 100 degrees outside, the river water temperatures can be very cold.
  • If you are planning foreign travel, remember to check travel advisories. Also, be sure you have all your medical issues managed correctly.  Check with your health insurer, as many will not provide coverage in foreign countries.
  • Don’t forget your pets. Summer heat can affect your pets, so make sure they are not left in vehicles or in homes during long heat waves.
  • When you are on the water, do not mix drinking and water craft driving. Verify that you have life vests for everyone and keep life vests on all children all the time.
  • Heat stress is one of the most common illnesses during summertime. The risk of getting skin cancer is much higher among people who sunbathe, and especially those who have experienced multiple sunburns.
  • Barbecues and fire related risks increase during the summer. Always keep children away for open fires, and keep barbecues away from buildings.
  • When riding your bike we recommend you always use a helmet.
  • Do you know if your pool cage or supports are covered?

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

What Is Assignment of Benefits?

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How Assignment Of Benefits May Impact Homeowners

There have been an increasing number of homeowners who have unknowingly signed contracts or forms that include Assignment of Benefits (AOB) agreements. These forms are sometimes provided by contractors, often for water damage restoration, and must be read carefully. The end result is that the contractor is assigned your rights under the insurance policy. This can be a problem in that there are some contractors and attorneys that use this as a scam to sue insurers. This has resulted in homeowners losing control of the claim process and it could mean having to pay amounts beyond what is covered in their policy. The contractor could place a lien on the home.

How To Protect Yourself

  • Call your agent or insurer first
  • Do not sign anything without reviewing it with our office
  • Most insurers have 24/7 claim hotlines
  • Read all documents before you sign them

While there may be some good reasons to use AOB, there can be abuses, and it is always good idea to call our office first.

The assignment of benefits scourge in the homeowners’ market has been mostly concentrated in South Florida but is quickly spreading to Tampa Bay. We’re already the No. 1 hot spot for auto glass lawsuits, according to Tampa Bay Times staff writer Malena Carollo, and the numbers keep growing. Hillsborough County alone accounted for 35 percent of cases statewide in 2016. That’s not a list the region should want to be atop, and the only current remedy is for drivers to be informed and careful. If you have a cracked windshield, contact your insurance company directly to start the claim process, then follow the claim to conclusion. If you do allow a repair company to negotiate with insurance on your behalf, understand that a lawsuit could eventually be filed in your name.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

Please Call our office for more information.

March Madness – Amberg Insurance Style

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An Insurance Review

March is over and we spent the while month watching 64 college basketball teams play to the final four, then to the championship game.  Congratulations to North Carolina! The entire thing reminded us of some insurance madness. We thought we would share with you our “insurance madness final four.” These can impact your business insurance and personal insurance programs.

Insurance Madness Final Four

  1. Always use an independent agent. Independent agents will search the market for the best possible insurance designed for your family or business. Independents agent do not work for an insurance company, they represent you and look out after your interests first.
  2. Never buy insurance online. When you buy insurance online you never know if you are getting the best combination of coverage, price, and service. However, you do find out when you have an uninsured claim.
  3. Always consider deductible options. A simple way to save money is to consider increasing your deductible on your auto insurance, home insurance, or even your business insurance.
  4. Many people don’t consider these coverage’s but they should
    1. Identity theft is the fastest growing crime in the United States. Every homeowner should consider identity theft coverage.
    2. A personal umbrella can offer additional protection for those who own a home or have personal assets worth protecting.
    3. Your business might be at risk if you do not have cyber liability or employment practices liability.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Why You Need A Carbon Monoxide Detector

Protect your home and family

Carbon monoxide is an odorless, colorless, invisible gas that is created when certain fuels do not burn completely. Many homes can have exposure to carbon monoxide and may not even know it. That’s why it is important to know how to prevent it, detect it, and protect yourself and your family from its effects. In the home, carbon monoxide is most commonly formed by flames and heaters, as well as vehicles or generators that are running in an attached garage.

Detection and Safety Tips

  • Carbon Monoxide (CO) alarms should be installed in a central location outside each sleeping area, on every level of the home, and in other locations where required by applicable laws, codes or standards. For the best protection, interconnect all CO alarms throughout the home; when one sounds, they all sound.
  • Never use a gas range or oven for heating.
  • Have your home heating systems (including chimneys and vents) inspected and serviced annually by a trained service technician.
  • Follow the manufacturer’s instructions for placement and mounting height.
  • If the audible trouble signal sounds, check for low batteries. If the battery is low, replace it. If it still sounds, call the fire department.
  • If the CO alarm sounds, immediately move to a fresh air location outdoors or by an open window or door. Make sure everyone inside the home is accounted for. Call for help from a fresh air location and stay there until emergency personnel arrives.
  • If you need to warm a vehicle, remove it from the garage immediately after starting it. Do not run a vehicle or other fueled engine or motor indoors, even if the garage doors are open. Make sure the exhaust pipe of a running vehicle is not covered with snow.
  • During and after a snowstorm, make sure vents for the dryer, furnace, stove, and fireplace are clear of snow build-up.
  • A generator should be used in a well-ventilated location outdoors and away from windows, doors and vent openings.
  • Gas or charcoal grills can produce CO — only use outside.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Florida Risk And Insurance Trends To Watch For 2017

Risk Management

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The risk management landscape is changing fast. It is important for business owners and managers to understand how these trends will impact their commercial insurance programs. Technology, consumer trends, litigation, and regulations all have increased risk.

  • The Changing workplace environment. Employers are having to manage a change in workplace demographics. The baby boomers are retiring and employers will need to figure out how to attract the next generation of workers.
  • Cyber Risk. Every Florida business will need to consider cyber insurance. Most businesses have a greater risk of having a cyber-attack than they do of having a fire. Cyber security was big news last year. Hardly a week went by without a report of a data breach in some industry. In fact, the Identity Theft Resource Center reported a record high of 1,233 data breaches in 2015, which is a 39 percent increase from 2015’s numbers.
  • Employment Laws. Whenever there is political change you can count on new and/or updated employment laws. Employers will need to keep up to date on how these laws will impact their businesses. Every employer should consider Employment Practices Liability Insurance.
  • Connections with Customers. As we continue to increase our reliance on technology, businesses must find the best ways to stay connected with clients. Customers want real time information about the products and services you provide. The road to being connected begins with understanding that consumers want to use technology in their healthcare decisions. They want to be able to email their partners and access services and information through telecommunication devices.
  • Workers’ Compensation. All states will continue to address legislative measures that could have an impact on employers including; drug usage, independent medical exams, medical marijuana, and the misclassification of employees and contractors.

Call us today and let us help protect what is important to you. As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

2017 Insurance Buying Tips From Amberg Insurance

Now that 2017 is here, it may be time to consider reviewing your personal insurance program. Most people don’t take time to review exposures, options, or their current economic condition before making their insurance purchase. We want to help you, so we prepared these insurance buying tips for 2017.

  1. Don’t buy insurance through the internet – Call our agency and let us provide outstanding service along with competitive pricing.
  2. Maintain good credit – Regularly check your credit score, since a low score may impact your premium.
  3. Review your auto limits – If you have limits of less than $100,000, that won’t even cover the medical bills in a serious accident. The minimum liability coverage that anyone with any assets or income to protect should be carrying is $500,000 to $1 million or more.
  4. Maintain a home inventory – Having an accurate account of your personal property can provide for greater recovery in the event of a loss.
  5. Bundle your insurance – Combine your auto, home and umbrella policies with one Agency to receive better and easier service.  Someone who knows “you”.
  6. Set the right deductible – A higher deductible reduces your premium, but you have to pay more out of pocket in the event of an accident. If you have a good driving record and haven’t had an accident, you may want to gamble and opt for a higher premium. The reward for this risk could be up to a 40% savings.
  7. Consider Identity Theft – Identity theft is one of the fastest growing crimes in the U.S.
  8. Buy from a financially strong company – Your insurance is only as good as the company who stands behind the policy.
  9. Be prepared to make adjustments as your lifestyle and needs change.

Call us today and let us help protect what is important to you. As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.