TruePoint Insurance is one of Georgias fastest growing insurance agencies. We are affiliated with SIAA, a network of over 5,000 insurance agencies across the US, who by joining together have increased their strength and stability...
1000 Pine Barren Rd.
Pooler, GA 31322
Phone : 912-330-1265
Email : info@truepointgroup.com
Defaming another via the spoken word. Damaging the reputation of an individual or entity by making false statements while speaking to another person. Unlike libel, which is generally considered to occur when the defamation occurs through published, written, broadcast or streamed medium or media, slander occurs through oral communications.
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We’re born, we live and we die, and how we’re treated in death is surrounded by ritual and ceremony. For those who have suffered a loss, emotions rule and there’s a tremendous reliance on others to help commemorate the passing of a loved one. Funeral directors and morticians have a critical role and, because of their position, are vulnerable to lawsuits should plans go 
wrong.
Like any other businessperson, funeral directors and morticians need to have general liability protection to handle losses related to routine circumstances that could happen as easily at a gas station, grocery store, dance studio or tax office. But “general” coverage does NOT handle losses that are directly connected to their professional duties. Professional Liability coverage will differ according to the insurance company providing the protection because coverage is not standardized. Regardless, most policies will likely handle the following:
Bodily Injury – Coverage applies for any professional malpractice error or mistake in the embalming, handling, disposition, burial, disinterment or removal of any deceased human body or any conduct of any memorial service by the insured. Injuries involving burial rights as well as mental anguish are also covered.
Property Damage – may cover damage to or destruction of urns, caskets, linings or fittings, casket eases, crypts, mausoleums or similar facilities. Protection is also available for claims connected to loss of damage to property that is in the care (possession) of a funeral director and staff, such as a body as well as personal effects.
Defense – provides protection for the costs of providing a legal defense against claims and lawsuits. Care has to be taken about this 
coverage. It makes a huge difference whether these costs are provided as separate protection or if payments are deducted from the amount of policy limits purchased.
Exclusions – typically, such policies will not protect against intentional acts (fraud, misrepresentation and deliberately violating laws or regulations), contractual liability, losses involving motorized or animal-drawn vehicles, losses to property owned by the funeral operation, losses involving medical wastes and chemicals and other sources of loss that are meant to be covered by other types of policies.
Funeral directors and the people who work for them have many, important responsibilities, including the need to contact an insurance professional to make sure they have protection for mistakes that they may make.
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Individual responsible for the management and oversite of an insurance companies subrogation department.
A subrogation release by the insured specifies that the insurer is entitled to the right the insured has to collect from any person or entity deemed responsible for a specific loss.
The release effectively reimburses the insurance company for any expenses paid in a settlement prior to a subrogation claim or settlement. Additional in assures that the client is not able to double dip or collect twice from the same incident.
I’ve heard it said the car insurance quotes are the same, the only thing different is the price. I don’t think that is true but my thoughts are not important. You alone should be the one to decide how to insure the risk that is created by owning an automobile.
Consider the following questions:
The third question is easy. If you answered anything other than Yes, then I certainly hope that it is parked. Unfortunately, there are lots of individuals in Kentucky that are driving cars that do not have insurance coverage in place. The number is alarming; it is estimated that over 15% of Kentucky cars on the road have no insurance.
This is a good segway into question two. If you think that the number of uninsured drivers is alarming, how many underinsured vehicles are on the road. The answer to that is, potentially everyone. The state minimum requirements for bodily injury are $25,000 per individual capped at $50,000 if multiple
I’ve heard it said the car insurance quotes are the same, the only thing different is the price. I don’t think that is true but my thoughts are not important. You alone should be the one to decide how to insure the risk that is created by owning an automobile.
Before moving consider the following questions:
The third question is easy. If you answered anything other than Yes, then I certainly hope that it is parked. Unfortunately, there are lots of individuals in Kentucky that are driving cars that do not have insurance coverage in place. The number is alarming; it is estimated that over 15% of Kentucky cars on the road have no insurance.
This is a good segway into question two. If you think that number of uninsured drivers is alarming, how many underinsured vehicles are on the road. The answer to that is, potentially everyone. The state minimum requirements for bodily injury are $25,000 per individual capped at $50,000 if multiple
individuals are injured. Amounts that will not go very far in today’s health care system.
If you answered NO to the second question, I would suggest you reconsider. With over 15% of Kentucky drivers not insured and even more underinsured, your current car insuance is just that. It’s wrong or at least missing a critical component, like the r in insurance.
With that said, I think we have enough information already to say that you the answer to the first question should be YES. I will close with this, If you don’t know how your auto liability insurance limits or if and to what level your covered in the event your hit by an uninsured or underinsured driver, then you’re not making your own risk management decisions, and it’s most likely because you’re not being given the opportunity. The risk associated with your home, auto, business or anything else is yours. Click the link below to learn more about TruePoint’s client-focused approach. You deserve an agency that values educating as opposed to selling.
www.insuringky.com to learn how you can take control of your personal risk management Today!
Follow this link for Scores from across the State
Is one of the two forms in which certificates of insurance are issued. The primary purpose of the certificate of property insurance is to provide proof that is in place and being maintained on buildings, business personal property, equipment and/or other property that may be covered. This certificate, Acord Form 124 can be presented by the broker or insurance company as proof of insurance.
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Is one of the two forms in which certificates of insurance are issued. The primary purpose of the certificate of liability insurance is to provide proof that an individual or entity has insurance coverage in place prior to entering a business relationship with another. The business relationship between a general contractor and a subcontract is a good example. The general contractor can possibly be held responsible for some actions of subcontractors working under him. If the subcontractor doesn’t have insurance, or if their policy limits are inadequate, the general contractor and/or their insurance company may be held accountable.
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