All posts by JAMA Insurance

Three Considerations When Traveling Overseas This Summer

Three Considerations When Traveling Overseas This Summer

Summer kicks off vacations for many Americans. For those traveling beyond our borders, worldwide insurance services can help you have the insurance protection you need during your trip. Here are some tips to having a safe trip overseas.


Domestic health insurance may not provide coverage outside of the country. If you fall ill or break a bone while overseas, you need insurance that can cover the costs of a hospital stay or doctor’s visit along with any necessary medication.


While a travel agent isn’t a requirement to an enjoyable vacation, a plan of what you want to do and see can help you make the most of your trip. You also need to think about where you plan to stay, how you plan to get around and how much money you want to spend. Trip-cancellation insurance may be a good idea especially if you plan the trip months in advance.


Consider your personal safety and that of your belongings when traveling. Theft is common in some locales and theft protection insurance helps you recover what is lost during the trip.

Worldwide insurance services protect you not only at home but abroad as well. A safe trip starts with having insurance coverage when you need it. Don’t leave it up to chance. Carry the right coverage, so you can relax and enjoy the sights.


How To Build a Website for Insurance Companies

How To Build a Website for Insurance Companies

How To Build a Website for Insurance Companies

When it comes to building websites, you want one that stands out and reflects your company’s brand. To do that, you need to understand how insurance agency websites are designed and what factors go into making effective websites.

The Components of a Good Website

Many people think only of colors and layout when it comes to designing a website. The truth is that there is much more to a website than those aspects, even though they are also important. For an effective website design, you should include the following four components:

User-friendly interface: Making a website easy to navigate and designed with consumers in mind is helpful to attracting customers.

Safety: A secure site makes you trustworthy and allows consumers to safely browse without fear.

Branding: This includes color, logo, tone of voice and content to help you connect with and engage with customers.

Functional technology: Nowadays, websites need to be responsive across platforms, making it easier for consumers to access no matter what device they use.

Building Your New Insurance Website

There is more to insurance agency websites than a good design and color palette. There is also a great deal of emphasis placed on how customers interact with the content and site, making it easier for them to use and connect with your agency. Keeping the aspects above in mind can help you design a website that is perfect for you.


Car Shopping in Connecticut

Car Shopping in Connecticut

Car Shopping in Connecticut

Purchasing a car is one of the most important purchases you’ll likely make in your lifetime. When you add up the number of hours you may spend in your vehicle to and from work, going on road trips or running errands, it’s no wonder that having the right one can make all the difference. In addition to your car’s aesthetics, it’s essential to consider other factors such as comfort and safety. Along the lines of security, finding not only the cheapest car insurance in CT but the best value is the best way to protect your investment.

Considerations While Shopping

With seemingly endless car options available, it can be overwhelming zeroing in on the perfect vehicle. Before you sign that contract, the following considerations can be helpful:

A realistic budget and payment plan
The primary purpose of your vehicle
Ease of driving
Reviews for both the vehicle itself and the dealership from which you will be purchasing
Rebates, discounts, and incentives
Whether the cheapest car insurance can cover this vehicle in CT, or if you can expect to pay higher rates

A car can bring you many years of joy and make life more convenient, so it’s recommended that you take your time in choosing the one that suits you best. Whether you are just looking for something simple to get from point A to B, or plan to cruise regularly up and down the Atlantic coast, you deserve to feel comfortable and safe in your vehicle.


Cargo Insurance: What Type You Need

Cargo Insurance: What Type You Need

Cargo Insurance: What Type You Need

As a trucker, you have to think about insurance coverage. This is particularly true when you are transporting valuable cargo. When it comes to freight insurance, there are different types that you have to think about. Here is what you need to know.

All Risks

All risk coverage helps provide protection against damage or losses that are caused by external problems. For instance, the following are often covered under all risk:

Cargo abandonment
Customs rejection
Packing damages
Employee dishonesty

When a problem arises, but it isn’t your fault, this is usually where all risk will step in.

Broad Form

The broad form coverage extends beyond your basic coverages. With this coverage, it includes rare events that can be financially devastating. With comprehensive coverage, you have higher premiums and a deductible.

Legal Liability

Legal liability covers what you lose if something is damaged or lost in transport. This might be due to an accident, a fire or other specific instances. Liability will help you pay for legal expenses and settlements of claims.

When it comes to freight insurance, there are a lot of coverages available to you. It’s important to consider all of the types of protection that you might need. After all, as a truck driver, you’re carrying valuable and essential cargo.


Protecting Your Business From the Public

Protecting Your Business From the Public

Protecting Your Business From the Public

Whenever a business allows people outside of the company onto business premises, there are risks involved. Public liability insurance, or PLI insurance, is beneficial and essential for any business that has physical contact with the public.

Coverage Limitations

PLI insurance is considered to be the bare minimum for commercial insurance that businesses need if they invite anyone outside the company into the business. Whether these people are from a third party or the public, your company takes a risk by allowing them on the property if they are not employees. People covered by this insurance include:

Customers to a retail store
Delivery personnel
Office visitors

Under your commercial insurance, you most likely have a policy that protects your employees in cases of injuries or illnesses. This policy is similar in that your business is held responsible for what happens to visitors. However, rather than protecting visitors, it protects your business. The insurance policy itself is designed to safeguard the company from claims of the following on the business premises:



Basic Coverage for Your Business

If you own a business that allows members of the public to access the premises, you need PLI insurance as the base level of protection. That way, if an accident happens and someone from the public files a claim against you, your business is protected.


Medical Transportation for Non-Emergent Cases

Medical Transportation for Non-Emergent Cases

Medical Transportation for Non-Emergent Cases

Running a business that provides medical transportation is something that is likely appreciated by communities that rely on these types of services. When the discussion of medical transportation comes up, some may automatically think about ambulances and other emergency vehicles. However, there are members of the community that need transportation for medical purposes that aren’t necessarily categorized as emergency cases. If you are considering providing this type of service, it is important to understand the needs of your client base and how to protect your business with safeguards such as non-emergency medical transportation insurance.

Addressing Client Needs

Understanding your clients’ needs can help you to be more intuitive about the type of service you should provide. Some clients may have special conditions that need to be accommodated such as the following:

Gurney or wheelchair use

Residence in retirement communities or nursing homes

Quadriplegia or Paraplegia

Other disabilities that can affect the ability to self-transport

Protecting Your Business

Special protections are needed in all businesses, especially those in the medical field or customer service industry where mishaps or accidents can be quite costly. Even after taking all reasonable precautions, it is virtually impossible to eliminate all risk associated with this type of business. However, with support from coverage such as non-emergency medical transportation insurance you can better operate your business with confidence.


An Insurance Company in the Protection Business

An Insurance Company in the Protection Business

An Insurance Company in the Protection Business

When you need an insurance policy, you want to work with an agent that has your best interest at heart. Owens Group Insurance is in the business of protecting people’s professional and personal lives, making it an ideal choice for business professionals and individuals.

Protecting Your Personal Life

Each person’s individual risks may be different depending on lifestyle, which is why your policy should be created especially for you. That is why an agent conducts a risk assessment to determine your coverage. You can keep many areas of your personal life secure with coverage options including:

Auto insurance

Homeowners insurance

Travel insurance

Watercraft insurance

Kidnapping and ransom

Cyber security

Personal umbrella

Safeguarding Your Business

A business should be covered in case of a disaster or lawsuit. However, each industry is different and requires various levels of coverage. For example, an IT company may need more cyber liability than a construction company. After an assessment, an insurance agent can build a policy around some of the following coverage areas:

Executive liability

General liability

Professional liability

Cyber liability

Intellectual property

Workers’ compensation

Earthquake and flood coverage

Commercial property

Since 1957, Owens Group Insurance has been protecting individuals and businesses. To mitigate disasters in both your personal and professional lives, you should choose an insurance company you can trust and rely on in stressful situations.


The Importance of Insurance Coverage for the Construction Industry

The Importance of Insurance Coverage for the Construction Industry

The Importance of Insurance Coverage for the Construction Industry

If you own a construction company, you know the value of a good insurance policy. Having construction general liability insurance offers your business protection in many areas and allows you to operate safely on job sites and with other contractors.

Coverage Specifically for You

General liability coverage is necessary for businesses to operate and provides broad coverage to protect a business. You can build an insurance plan that takes the construction industry into account and delivers more protection in the form of the following:

Errors and omissions
Pollution liability
Workers’ compensation
Employment practices liability
Builder’s risk
Surety bonds

Insurance agents understand the risks involved in the construction industry and can run a thorough analysis of your company to pinpoint the specific risks you face and design a policy that caters to your needs. You may also require different coverages depending on how your business functions. For example, do you also work with masons and designers? If you do, you need insurance that handles that portion of your business, as well.

The construction industry is unique in terms of insurance needs, which is why there is construction general liability insurance specifically for the industry. Purchasing a policy that includes this coverage enables your business to safely work on projects and be covered if anything goes wrong.


D&O Coverage 101

D&O Coverage 101

D&O Coverage 101

When individuals leading your organization do not act responsibly, you are liable. D&O EPL or directors & officers and employment practices liability protect you and others who are in positions of leadership from the acts of your employees.

Basics of D&O

In D&O litigation, your company and its board face litigation. Directors and officers cover the members of your boards and other leaders. In a D&O plan, any officer, director and employee can have insurance under the plan. The insurance company defends claims and pays on behalf of most judgments.

Basics of Employment Practices Liability

Employment practices liability further protects your staff. This insurance covers directors, officers, volunteers and employees. EPL covers employment-related discrimination, wrongful discharge and sexual harassment.

The Cost of D&O

D&O claims are expensive. While this may lead to some people deciding against this type of coverage, you don’t want to be without protection. For instance, a plan might cost you between 35,000 dollars and 100,000 dollars. However, when it comes to a judgment you have to pay, it might cost you around 450,000 dollars.

D&O EPL coverage is crucial to your company. It protects you and your staff, particularly those in leadership positions. When you have a leadership position, you are more at risk for being held liable for certain costs and damages.


Top Tips To Choose an Insurance Broker or Agent for Your Business

Top Tips To Choose an Insurance Broker or Agent for Your Business

Owning and running a business comes with a host of risks depending on your size, location and industry. Finding the right insurance policies for your business starts with understanding your insurance needs. Once you know what you need, you can start evaluating business insurance agents and brokers.

Ask Questions

Have a list of questions prepared ahead of time to consult when searching the insurance website or during the interview. Knowing what answers you need can help you weed out those agents and brokers that won’t work for your business. Then use these questions during the interview can help you determine how well they may fit your business needs.


Determine what you expect from your insurance agent or broker before interviewing them. During the interview, ask questions and see how they deliver on their promised or agreed-upon commitments to you. Request a quote and see how well they delivered.


The insurance agent or broker should have a technical knowledge of the insurances they offer and your business’s risks. They should be able to tell you how the insurance they offer covers those risks. The right credentials can increase your ability to trust that expertise.

Sometimes finding the right insurance agents and brokers is whether they work personality wise. Some personalities can make the business agreement difficult regardless of how knowledgeable they are. As always, do your homework and trust your gut.