Tornado Coverage: Information for Homeowners

According to the National Oceanic and Atmospheric Administration National Climatic Data Center, there are more than 1,200 tornadoes are reported across the country. Oftentimes homes close to a twister are damaged or destroyed by wind, rain and flying debris. Download and read this resource from our insurance carrier partner, Safeco about Tornado coverage and tips for homeowners.

Insuring Dangerous Dog Breeds

pit bull insuring dangerous dog breeds

The Basics

Insurance can usually be obtained for most dogs; however, there are some limitations. If you own a breed that has been historically violent, you may have to pay an increased premium (even if your dog has not displayed any violent behavior). The following dog pedigrees are considered dangerous:

  • Pit Bull
  • Rottweiler
  • German Shepherd
  • Husky
  • Mastiff
  • Doberman Pinscher
  • Siberia
  • Wolf-dog Hybrid
  • Chow Chow
  • Doberman
  • American Staffordshire Terrier
  • Akita
  • Alaskan Malamute

Owner Responsibilities

To minimize the risk that your dog will display aggressive behavior towards other dogs or humans, you must be a responsible pet owner and do the following:

  • Restrain your dog with a strong leash when in public or a fence while in the yard. The fence should be at least 6 to 8 feet tall, depending on your dog’s size.
  • Socialize your dog as a puppy with other dogs and people. Take him or her to puppy classes starting at a young age, and praise your dog when he or she behaves well with others.
  • Spay or neuter your dog, as fixing a dog alters its territorial instincts and aggression.
  • Train the dog not to bite your hands, furniture, etc. If your dog starts to growl or chew on something, clap your hands loudly to distract him or her and then provide a toy for the dog to play with. Praise the dog when he or she chews on toys only.
  • Give your dog lots of positive attention.
  • Properly identify your dog with tags and a microchip.

Download a PDF from MMG Insurance about preventing dog bites.

We’re Here to Help

Have questions? Don’t hesitate to give us a call at 800.662.2020 or contact us!

Insuring Your College Student’s Belongings

college student with books insuring your college student

Many homeowners policies consider a dorm room as an extension of your home, so items your child keeps there may be coverd to some extent. However, if your child has expensive electronic equipment or furniture, you may want to consider purchasing additional coverage.

If your child lives off campus, his or her possessions may not be covered by your homeowners policy. In that case, you may want to consider renter’s insurance, which costs as little as $15 per month. Renter’s insurance will cover possessions in your child’s off-campus apartment or house as well as provide liability coverage if anyone is injured in the residence.

Keeping Your Child Healthy While on Campus

Many students can stay on their parents’ health plans if they are full-time students. However, restrictions vary greatly by state, and coverage could be even more complicated if your child is attending an out-of-state school.
If you find your child doesn’t have coverage under your plan, you have a few options. Most colleges have their own health plans, but some policies have high deductibles and low coverage maximums. A few don’t offer any coverage for conditions present before entering the school, so be sure to examine plans carefully. Otherwise, you may want to consider an individual policy for your child.

Changing Auto Coverage

If your child moves more than 100 miles away from your home to attend school and doesn’t keep a vehicle there, your auto insurance premiums could decrease by as much as 30 percent. Call us today at 800.662.2020, and see if you can save money while still maintaining coverage for your child when he or she is at home.

Insurance Questions to Ask

Here are some important questions to ask when your child goes to college:

  • Will my child’s belongings be covered if he or she lives in off-campus housing?
  • Do I have to change my auto policy if my child brings the car to school?
  • If my child is an athlete, will he or she be covered under my family health plan if he or she is injured during a practice or game?

Count on Us

If you are sending a child off the college and haven’t looked at adjusting your coverage, contact us today to learn more. You could save money on your policies and protect your child from expensive incidents while away from home.

Call us at 800.662.2020 or contact us.

Workers’ Compensation

The Basics

Workers’ compensation insurance benefits are available to employees who are injured or become ill as a result of a work-related incident. If one of your employees is injured on the job and is medically authorized to take time off from work, he or she will be reimbursed for lost wages and all of the medical expenses related to the treatment and rehabilitation.

What are the reporting procedures for injuries and illnesses?

If employees are injured, they should notify you immediately to file a report. This will initiate the process for receiving workers’ compensation benefits.

How are employees reimbursed?

Lost compensation is payable during the time period in which employees are authorized by their treating physicians. Benefits are paid weekly at a state-specific percentage rate of their average weekly wage, up to a maximum dollar amount. There is also a state-specified waiting period before benefits are available.

What is an independent medical exam (IME)?

An IME is an exam by a medical professional other than the physician who first examined an injured or ill employee. As the employer—and insurance carriers—you can request an IME to confirm an original diagnosis and treatment plan.

What happens if employees do not comply with recommended treatments?

Non-compliance with recommended medical treatments, therapy or return-to-work plans may jeopardize workers’ compensation benefits.

Tips for Controlling Workers’ Compensation Costs

The most important thing is to convince your employees that maintaining a safe workplace is vital and will consequently reduce your insurance costs. Here are some other ways to control costs: 

  • Implement a return-to-work policy in which employees work modified duty until they are fully healthy to do their jobs.
  • Orient and train your employees on safe practices necessary for their job functions and tasks. 
  • Insist that employee claims are reported promptly. 
  • Investigate the cause of injuries and illnesses. 

Learn more about Workers’ Compensation or contact us at 800.662.2020.


Disclaimer: This brochure is provided for informational purposes only. The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage. Eligibility for coverage is not guaranteed and all coverages are limited to the terms and conditions contained in the applicable policy. © 2009, 2013, 2016 Zywave, Inc. All rights reserved.