30 June 2017 In Blog style

Spending time on the water is meant to be enjoyable, relaxing and refreshing. With that in mind, we encourage you to be mindful of certain circumstances that might put you and your family at risk. Freshwater boaters in particular should pay close attention to electricity that services boats, docks and marinas. If the electric service has not been installed or maintained properly, a swimmer may be at risk of electric shock drowning.

What you need to know

  • Electric shock drowning can occur when a typically low-level alternating current passes through the body while immersed in fresh water. The force can cause skeletal muscular paralysis, which may lead to drowning. This shock can happen in any natural water, but becomes fatal in fresh water due to lower water conductivity.
  • Large amounts of freshwater runoff into seawater also can produce the same conditions.
  • Electric shock can occur when a boat is powered by an external power source, such as a generator sharing power with another vessel.
  • If your generator is wired and maintained to American Boating and Yacht Council (ABYC) standards, your risk is greatly reduced—as long as the power is contained onboard, and not shared or improperly used.
29 June 2017 In News-Events

One of the most frequently asked questions we receive is under what circumstances can documents be distributed electronically by e-mail, by company intranet, etc.

Department of Labor (DOL) regulations contain a safe harbor under which employee plans may use electronic means to distribute certain documents and other information required under the Employee Retirement Income Security Act of 1974 (ERISA).

The following documents and/or notices may be distributed electronically if certain conditions (described below) are met:

§ Summary Plan Descriptions (SPD);
§ Summaries of Material Modifications (SMM);
§ Summary Annual Reports (SAR);
§ COBRA Notices;
§ Summary of Benefits and Coverage (SBC); and
§ Notice of Health Insurance Marketplace Coverage Options.


27 June 2017 In Blog style

In today’s business world, your website is your calling card. Your customers depend on it to inform themselves about your business and make the critical decision of whether or not to pursue your services. But it is important to keep in mind that your customers are not the only ones evaluating your website on a regular basis. Your underwriter is too, and what your website is saying to customers is very different from what it is saying to your insurance company.

So what does this mean in terms of maintaining a website that will not only encourage customers to buy your goods or services but also appeal to underwriters who provide the critical support you need to insure your business?

In short, a challenge. You want to ensure your website is appealing to viewers while also highlighting your business as a low-hazard, safety-conscious operation because the first place an underwriter goes when evaluating a business is its company website.

20 June 2017 In Blog style

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 In Blog style

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 In Blog style

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 In Blog style

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.

06 June 2017 In Blog style

In my opinion, one of the most overused and misunderstood sayings of all time is this: Life isn’t about weathering the storm. It’s about learning to dance in the rain. Inevitably, I would hear someone misquote these words of wisdom each time I was experiencing some sort of bump in the road, some sort of hardship or difficulty. For some reason, people tend to find solace in the first idea without truly understanding the second.

“Weathering the storm” is an admirable ability to possess. It shows someone’s perseverance. It highlights their ability to buckle down and forge through the impasses that consistently test our resolve. Through these struggles, we can find our strengths and unfortunately; our weaknesses. Storms test our mental toughness as well as our physical toughness. Each struggle brings feelings of stress and anxiety that need to be dealt with properly in order to find the correct state of mind to handle the tasks at hand. Cortisol is released from the body creating a fight-or-flight reaction that, in some cases, helps us progress but in others cases, hampers us.

“Learning to dance in the rain” is an entirely different way to weather the storm. It suggests that trials and hardships are only a matter of perspective. The adage offers two different perspectives on the same occurrence. The first is that when it rains, there is a storm that will need to be weathered. The second perspective suggests that when it’s raining, you have the opportunity to dance. Joyously, gracefully, happily, you pick the method, but dance nonetheless. Imagine the ability to see each storm as the opportunity to dance. To truly and wholeheartedly feel the excitement of being able to test your own resolve, prove your worth and conquer whatever it is that just came barreling unexpectedly into your path.

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