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
Primarily provides coverage for bodily injury or property damage that is a result of negligence on the part 
of the insured. Liability policies will pay the amount which the insured is legally obligated to pay up to the limitations associated with the policy. In many policies, coverage is also provided to cover the associated defense cost.
The Basic Form is one of three ISO (International Organization for Standardization) use by the insurance industry to define which perils or causes of loss are covered. Generally, the Basic Form covers the following:
In part one of this article, we discussed the situation of properly classifying workers. In this part, we discuss a method for making that distinction.
In the U.S., common law helps determine worker status. Some confusion is created by improper focus on a given work relationship. Instead of a narrow focus, proper worker classification is a result of looking at the total work situation in which an individual performs a job. Essentially, classification is a matter of control. Specifically, consider the following areas:
Behavioral – Who has primary control over how work is done, the business or the worker?
Financial – Who controls how a worker is paid, how are expenses handled, who is responsible for supplies and tools that are needed for work?
Relationship – What defines the work relationship, manner of pay, what benefits are in place, does worker have paid vacation and what is the nature of the relationship?
It’s important that all the above factors be considered when evaluating a worker classification.
Evaluation should be performed on a simple scale. The greater the control by a given party determines how to make a classification. If a business exerts the greater overall control, the worker is an employee. If the individual worker exerts the greater overall control, the worker is an independent contractor.
Practically speaking, areas of control involve the level of freedom a worker has in getting tasks done, but 
another element is the nature of the work. Some businesses want to minimize both their tax liability and legal liability (and related payroll costs) by use of independent contractors. However, the situation can’t be a façade. If workers have an ongoing relationship with the applicable business because the work is normal for that business, likely the work involves employees. When the work is unusual for the given business and lasts for a short period, especially when it involves specialize labor or skills not existing in that business, the work likely involves independent contractors.
If a business or a worker is unclear over a classification, help is available from the IRS. Specifically, a work situation description can be submitted to the IRS to get its interpretation. Having that department’s help (and documentation) for a situation could be quite helpful in dealing with both tax and insurance matters.
COPYRIGHT: Insurance Publishing Plus, Inc. 2018
All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.
As we mentioned in part one of this discussion, a strategy for dealing with this exposure involves a significant amount of pre- and post-incident activity. Active shooter programs commonly involve the following:
Non-Insurance Services
Pre-event
Risk Assessment
Employee Crisis Training
During Event
Crisis Management
Second (Event) Responders (those who supplement initial, emergency action of fire, medical and police [first responders] and handle return services and site clean-up.)
Post-event
Counseling Services
Psychiatric Care
Public Relations Disaster Team
Investigation Assistance Funds (Rewards)
Expenses for additional, temporary security measures
Insurance Services
Liability Coverage for Lawsuits due to loss created by active shooting incident
Limits vary from $250,000/$500,000 up to multi-million dollar maximum
Business Income and Extra Expense
Limits vary from $1 million up to $100 million
Emergency medical care
Rehabilitation Expenses
Funeral and Burial Expenses
Marketing for the product targets those who are most vulnerable to this exposure such as Educational institutions, Entertainment organizations, Hotels, Healthcare providers, Religious institutions, Retail organizations, Shows (ex. Fairs, Trade Shows and Rodeos.)
Return to Part 1
COPYRIGHT: Insurance Publishing Plus, Inc. 2018 All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.
RVs mean time spent with family and friends on the open road. They represent adventures and the opportunity to develop lasting memories of time together. Just as you are required to insure your regular vehicle, you are also required by law to carry insurance on your RV. The situation that an RV represents is different than a normal vehicle and your insurance needs will also be different as well. Consider this; an RV is both a vehicle and a vacation home. When you are looking at various insurance options, it’s important to consider the pitfalls that you could encounter while you are away from home. The team at TruePoint Insurance serves the needs of Kentucky, Indiana, and Tennessee residents. They understand the unique challenges that RV owners face and can show you the options that are available to you.
Just like an auto policy, there are many options, creating multiple alternatives to insuring a Recreational Vehicle. An RV policy can provide comprehensive, collision, and liability coverage. It will go further to provide coverage for the contents of the RV including equipment such as satellite dishes and awnings. It can also provide protection from accidents involving uninsured or underinsured motorists. You will want to make sure that the policy that you select also provides some roadside assistance. If it is not your primary residence and remains on your property most of the year, there may be discount options available.
Ok, that’s a bit of a stretch. I pretty sure your insurance will not cover you that far away from home. So how far can you go and still have RV Insurance coverage?
Keep it in the United States and your good. Leave the country and you may not have coverage. For sure, if you are planning a trip with your RV to Mexico you will need to obtain a special policy. Otherwise, you will not have coverage while there.
Talk with your agent at TruePoint Insurance about potential savings if you only use the RV for a limited amount of time during a year. If you are in the Fisherville, KY area, feel free to stop by our office to discuss a policy and get a quote. Get ready to hit the road with TruePoint!
Headlines tragically remind us quite frequently that many aspects of our lives have become unavoidably dangerous. Sadly, this danger is due to the whim of individuals and access to weaponry. The deadly risk is the “active shooter incident.”
An active shooter incident describes a situation in which at least one person is actively killing or attempting to kill persons in a populated area. Naturally, as we are referencing a shooter, such incidents involve firearms.
Active shootings are becoming more common. Studies made by the FBI between 2000 and 2015 indicates annual mass-shooting events rose from 6.4 per year to 20 per year. Studies also show that most shootings take place within a business or school (educational) environment. The frequency of shootings is accompanied by, on average, an increase in the number of persons killed or wounded per event.
As with any other risk that becomes significant, it is very important to find a strategy to deal with active shootings. Insurance is among the tools helpful with both pre- and post-incident planning. However, much uncertainty exists regarding protection for active shooter losses.
First, there is customer expectations. Insurance consumers may be under the impression that damage and injury created by shooters are covered. Second, the insurance market is fragmented over the issue depending upon how incidents are interpreted. Coverage may be sought from existing policies that individuals, commercial or non-profit entities may already carry, including General Liability, the Liability portion of Homeowners, or Workers Compensation. On the other hand, responsibility for harm due to a shooter may need to be covered by a form of professional liability policy as the obligation to protect against shootings may be considered as a failure to provide adequate security.
Confusion may also be caused by insurance policies via the silent coverage problem. An insurance form is considered silent when it neither specifically names nor excludes a source of loss, such as shootings. It can be chaotic during the time it takes to clarify coverage gaps.
The insurance sector has a reputation as being slow to react to change. Of course, speed is never at the level that most would wish when new coverage issues arise. However, the insurance market has been stepping up and addressing the serious active shooter exposure. While there is the option of trying to amend standard policies to add protection, other ways that coverage is being addressed are separate policies that supplement insurance protection with a variety of services.
Please see part two for more information on this issue.
COPYRIGHT: Insurance Publishing Plus, Inc. 2018 All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.
Anything that has the potential to cause bodily injury or financial loss. The term is used in the insurance industry to refer to the cause of loss. Examples would include property damage caused by wind or fire damage, with wind or fire being the peril.
A peril or a series of related perils that result in loss or lead to damage of property or cause bodily injury.
In order to drive a vehicle and/or trailer with a combined weight over 26,000 pounds, you are required to have a commercial driver’s license (aka a CDL.) There are three different classes of CDL’s and six endorsements. The classes are:
As previously stated, the operator of any truck and trailer with over 26,000 Gross Vehicle Weight (GVW) is required to have a CDL. Additionally, the driver of any truck hauling (or pulling a trailer) with a GVW that exceeds 10,000 must have a Class A CDL.
A Class B CDL is required to operate a vehicle with a combined weight of 26,001 pounds pulling another vehicle with a gross weight of that is less than 10,000 pounds.
Drivers of passenger vehicles carrying 16 or more people are required to have a Class C CDL. The same is true of vehicles hauling hazardous materials.
In addition to the 3 classes, are 6 endorsements. These six endorsements indicate successful completion and testing, authorizing the driver to operate specific types of commercial vehicles:
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