20 June 2017 By

Now I’m not here to beat anyone over the head with the Bible, but there is a verse that is stuck in the foundation of who I am. I’ve found it to be the answer to almost all things “rapport:”

I have become all things to all men [people], that I might by all means save some. —I Corinthians 9:22 (NKJV)

What this verse is basically saying is that in order to properly cultivate relationships, you need to meet people where they are as opposed as to where you want them to be. Let’s let that sink in. This applies to all relationships including with a spouse, child, employee, employer, prospect and client.

Every one of us has an agenda or to-do list at any given time. That agenda or to-do list may include certain things that need to be accomplished at certain times in order for us to reach whatever goal we have set for ourselves. That being said, too many times we focus intently on the individual items and try to force them to fit into the timeline in front of us. We end up forging through our lists, trying to push the people around us to provide what it is that we need from them in order to complete the task at hand. We find frustration when they don’t react with the level of importance we believe they should be reacting with. We get impatient when they don’t respond to us in a timely manner, and, most importantly, if they don’t agree with the point of view or belief that we are presenting them with (read: trying to shove down their throats).

13 June 2017 By

Insurance Business America recently selected JGS Insurance’s Preferred Property Program as a top specialist in Habitational Insurance. This honor was included as part of its Top Specialist Brokers issue published in March 2017, which names 60 brokerage firms that “have found a competitive edge in today’s rapidly changing marketplace.” JGS’ Preferred Property Program services associations such as condominium complexes, homeowners’ associations, apartment buildings, and hotels and motels.

Ken Hager, president of the Preferred Property Program, a wholly owned subsidiary of JGS Insurance, is thrilled that the program has been recognized with this honor. He is also quick to give credit to the many team members who have contributed to building the Preferred Property Program into a top specialist broker over the years. “This is a great accomplishment for those who provide this very specialized and highly complex type of coverage,” says Hager.

Back in the 1970s, as the condominium market began to take off, Hager realized that the insurance requirements for condominium associations were different from the requirements for anything else being built at the time and, therefore, required special consideration. In fact, JGS was one of the first agencies to offer comprehensive, customized insurance for the community associations sector, and its expertise since then has only continued to grow.

08 June 2017 By

As most condo owners are aware, their condo associations are responsible for insuring the condo’s buildings, including the individual units, up to the original builder’s grade. Almost all condo association policies have property deductibles. If your condo association has recently passed a deductible resolution, you may now be on the hook for some, if not all of this deductible unless your current HO6 policy provides adequate coverage. Therefore, it is important that you contact your personal lines carrier or agent to establish how this loss is handled on your individual HO6 policies in order to be fully protected.

Ask your carrier or agent the following question: How much coverage do I have towards my condo association’s deductible? If the amount of coverage is less than the deductible, find out how you can increase the coverage to the full amount of the deductible.

07 June 2017 By

A federal court recently ordered an employer, WellStar Health System Inc., to pay $750,000 to a former employee’s widow for breaching its fiduciary duty in administering its group life insurance plan.

The case Erwood v. Life Ins. Co. of N. Am., 2017 U.S. Dist. LEXIS 56348 (W.D. Pa. 2017) serves as a good reminder to employers that they must understand and properly administer conversion procedures under their group life insurance policies.  It is one of the most overlooked or misunderstood administrative requirements by HR and benefits professionals, and failure to provide the information can result in significant financial consequences.

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