Vicki Leja Celebrates 10 years with RHH!

John Hinkle, VP congratulates Vicki on her 10 year anniversary with Rossmann-Hurt-Hoffman

John Hinkle, VP congratulates Vicki on her 10 year anniversary with Rossmann-Hurt-Hoffman


Our agency is so lucky to have Vicki with us!! She is a cornerstone in our Personal Lines Department. Please help us congratulate Vicki for her dedication, knowledge and professionalism. She is a true joy to work with every day!

Is Your Insurance Ready For College?

Is your insurance ready for college? If “back to school” means college for your son or daughter, make sure your home and car insurance is ready. Get our infographic at stateau.to/college_students

Does your insurance cover your child at college?

Is your insurance ready for college?

Severe Weather Bulletin – Tropical Storm Andrea

Tropical Storm Andrea
As Tropical Storm Andrea threatens the east coast, we would like to take this opportunity to remind everyone of all insurance companies’ binding authority in the event of severe weather:
• After a “severe storm”, “watch” or “warning” is issued by the NOAA National Weather Service, your insurance company will suspend binding authority for all commercial and personal lines property coverages, inland marine coverages, and physical damage coverage on automobiles. This will apply to all new risks and to any increase in values on existing risks.
• No policy or coverage may be written or bound on new business, or coverage values increased when a “severe storm”, “watch” or “warning” has been issued. When the NOAA National Weather Service withdraws the “watch” or “warning,” normal binding authority will be reinstated.
• No endorsements to existing policies may be issued or coverage bound which have the effect of increasing the property limits.
• All Flood Insurance policies have a 30 day waiting period after submission before they become effective. Please keep this in mind with the hurricane season upon us.

NOTE: For the State of Maryland, binding authority suspensions will follow the moratorium protocol established by the Maryland Insurance Administration.

What is a Trusted Choice Agency?

Well, as a Trusted Choice agency, we have access to many different insurance markets, and have made a commitment to help find the right insurance carrier for you that offers the coverage you need at a competitive premium…but that is just the beginning.  We take our Pledge of Performance very seriously.  Read over our pledge and see what you can expect as our customer:  

Trusted Choice® Pledge of Performance

Trusted Choice®agencies are insurance and financial services firms whose access to multiple companies and commitment to quality service enable us to offer our clients competitive pricing, a broad choice of products and unparalleled advocacy.As a Trusted Choice® agency, we are dedicated to you and are committed to treating you as a person, not a policy. This commitment means we shall:

  • Work with you to identify the insurance and financial services that  are right for you, your family or your business and use our access to multiple companies to deliver those products.
  • Guide you through the claims process for a prompt and fair resolution of your claim.
  • Help you solve problems related to your coverage or account.
  • Explain the coverages and options available to you through our agency, at your request.
  • Return your phone calls and e-mails promptly and respond to your requests in a timely manner.
  • Provide 24/7 services for our customers, offering any or all of the following: emergency phone numbers, Internet account access, e-mail and call center services.
  • Use our experience and multiple company relationships to customize your coverage as needed.
  • Commit our staff to continuing education so they may be more knowledgeable in serving you.
  • Treat you with respect and courtesy.
  • Conduct our business in an ethical manner.

We pledge this to you, our clients and ask that you let us know if we fail to meet our commitment, so we may take corrective action.

Rossmann Hurt Hoffman Insurance Offers Quality Insurance Products For Over 140 Years

Rossmann Hurt Hoffman Insurance Inc. has offered superior quality insurance products to people and businesses since 1871. The company is very proud of its ability to offer high quality insurance to its customers. Their extraordinary team of customer service experts takes pride in the excellent reputation they have earned for great service and for their exceptional customer focus.

Businesses from Maryland and from many other states have relied on Rossmann Hurt Hoffman Insurance for their insurance needs for decades. Rossmann Hurt Hoffman provides quality insurance to restaurants. They also offer general liability insurance for contractors such as plumbers, electricians, roofer’s, landscapers, flooring, roofing, street and road contractors. They provide insurance products to many other businesses as well.

Rossmann Hurt Hoffman offers car insurance and professional liability insurance in addition to their premium insurance products for businesses. The Maryland based company is also licensed and able to offer insurance products in many other states.

The company has special programs in place that allow them to find the best rates for each customer based on their needs. This very customer focused operation has earned an excellent reputation in the insurance business. All their systems are automated allowing them to work quickly and efficiently to find the best insurance for each clients needs.

With total customer focus, they take pride when they are able to get great rates for their clients and offer the best insurance products for the best price. They always strive to build long-term relationships with each client and the relationships are based on trust. This company-wide philosophy is practiced by everyone that works for Rossmann Hurt Hoffman Insurance, Inc. Their highly trained team finds the best products available on a case by case basis, and offers those products to clients at very competitive prices.

Rossmann Hurt Hoffman Insurance, Inc. has received the honor of being named a Best Practice Agency out of 900 eligible candidates. This is an honor and an amazing achievement. Only 195 were selected for this competitive honor and Rossmann Hurt Hoffman Insurance was proud to be named a Best Practice Agency for 2004 and 2005.

How does life expose thee? Let us count the ways

Six good reasons to have a personal umbrella

There is no question that the ownership and use of our autos present us with the greatest personal liability exposure. But our normal daily activities can expose us to the potential of a large liability claim that could threaten our personal assets. One of the best ways to understand the need for a personal umbrella policy (PUP) is to review actual claim examples. Listed below are actual personal liability claims that illustrate the need for higher personal liability limits.

Loss #1
A couple hosted a pool party for their teenage children. They did not provide any alcohol, but it was brought by some of the guests and was available. After leaving the party, one of the guests was severely injured in an auto accident, and the injury was attributed to his consumption of alcohol. This case went to the Wisconsin Supreme Court which decided that anyone who sells or furnishes alcohol to a minor is responsible for the minor’s injuries as well as any injuries caused by the minor. The opinion of the court was that the homeowners should have prevented the consumption of alcohol by minors on their premises. Both the homeowners’ and personal umbrella policies responded to this claim.

Loss #2:
The insured hosted a party at his home. Among the guests was a family friend, who was also the insured’s financial advisor. The friend brought his wife, their 2-year-old child and their baby to the party. The insured gave them a jug of spring water to mix formula for the baby. The 2-year-old child also had a drink of the water. Shortly thereafter, both children became ill. The family left the party and took the children to the hospital. The hospital confiscated the water jug which was found to contain arsenic. An old label was found wrapped around the handle with the words “weed killer” printed on it. The insured had mistakenly given the jug, which was similar to the ones containing spring water, to the family. The baby died and the 2 year old survived after being in critical condition several days. The personal umbrella liability limit was paid.

Loss #3:
The insured’s 18-year-old son was driving his parents’ car to the store with his 19-year-old girlfriend. He left the roadway and hit a tree. The son told the police that another car cut him off, but there were no witnesses, and the girlfriend had no recollection of the accident. She was hospitalized for over a month with multiple fractures and internal injuries and received extensive physical therapy. The personal umbrella insurer settled with the girlfriend for the policy limit.

Loss #4:
An 18-year-old college student was struck by a fraternity paddle during initiation. He sustained facial fractures and blindness in his left eye. The fellow fraternity members and their families were sued. The court awarded $1,300,000.

Loss #5:
A 28-year-old engineer dove into a friend’s above-ground swimming pool, struck his head on the bottom and, as a result, became a quadriplegic. He sued both the homeowner and the pool manufacturer. The court found the homeowner to be 60 percent responsible and the pool manufacturer to be 40 percent responsible, and awarded $10,000,000.

Loss #6:
A babysitter left a 5-month-old infant unattended in a walker. The infant toppled the walker, struck her head on the floor and suffered brain damage. The parents of the infant sued the teenage babysitter and her parents. The court awarded the parents $11,000,000.
The above losses show the consequences of situations that can quickly exhaust the liability limits of the underlying policies.

For less than the cost of a cup of coffee a day, most folks can purchase a personal umbrella policy with a limit of $1,000,000, possibly $2,000,000 or even $5,000,000.
Jerry Milton, CIC, contributed this resource. The legal profession recognizes him as an expert on insurance coverages. He is also an education consultant for IA&B, working with CISR, CIC and on-demand CE programs.

Rossman Hurt Hoffman Insurance

Rossman, Hurt, and Hoffman Insurance known as RHH Insurance offers several personal insurance coverage options. Events in life are sporadic and unexpected. That’s why it’s important to be protected at all times. It’s better to have, than to not have by being prepared and feeling safe. RHH has homeowners insurance to protect your really important and valuable personal property, such as, your home and any buildings that sit on your property and even, what it holds including – clothing, furniture, and appliances. They offer auto insurance covering bodily injury to others and personal injury protection. Optional coverage components can always be added, make sure you let them know specifically what you want insured.

Additionally, RHH offers life insurance to provide for your surviving loved ones upon your passing. This is crucial to cover any estate costs, pay for burial and for any other bills your family may incur. Health insurance is also another product to help cover health care costs. It’s very important to have in the event of unforeseen medical emergencies that could potentially be extremely expensive. By having health insurance you would then alleviate much costs and future debt. RHH even has a wedding protection plan.

RHH is upfront and honest and is sure to provide you with the necessary details to ensure you choose the right coverage plans. Their website provides informative feedback with a Frequently asked Q & A section. An added feature is their online insurance quote form. You can input your information in and receive a quote instantly without leaving home but if you want to speak with someone you can always call them using their toll-free number 1 (866) 847-0449. RHH insurance agents will be happy to explain all policy information to make sure there is no content that’s unclear to you. Go ahead and get your price quote today. http://www.rhhinsurance.com/personal-insurance.html

10 Reasons Your Insurance May Need a Checkup

Does your insurance need a checkup?

• Have you gotten married or divorced?
• Have you had a baby?
• Did your teenager get a driver’s license?
• Have you switched jobs or experienced a significant change in your income?
• Have you done extensive renovations on your home?
• Have you decided to buy a vacation or potential retirement home?
• Have you acquired any new valuables such as jewelry, electronic equipment, fine art, antiques?
• Have you signed a lease on a house or apartment?
• Have you joined a carpool?

If you answer yes to any of these questions, give us a call to update your policy. (410) 504-1002

Personal Insurance

There are many different forms of personal insurance. The reason for the wide variety of offerings is that each type of personal insurance insures a different thing. Homeowners insurance insures a persons home and valuable possessions that are kept within that home. Life insurance covers the person for the possibility of his death. Health insurance insures that if the person happens to get into an accident or develop an illness, he will be able to afford the treatment that is necessary to treat the condition. Auto insurance insures that the person will be able to pay for any damages he may cause in the event of an automobile. These are the most common types of personal insurance. The reason that these personal insurance policies exist is that the expenses that can arise from these various situations can be unexpected and incredibly expensive.

Homeowners Insurance

Homeowners insurance is a personal insurance policy that covers the expense to repair or replace a home and the property that is kept inside. These policies protect the holders from damage that may be caused by vandalism, natural disasters, and the like. One thing that people should keep in mind when they are considering purchasing homeowners insurance is that many of these homeowners insurance policies do not cover damage that is caused by flooding. People who live in areas that are prone to flooding will usually have to purchase an additional policy to cover themselves for those possibilities. One interesting thing that is covered by most homeowners insurance policies is liability. This means that if a guest is injured while inside of one’s home due to negligence or something that can be blamed on the house, such as slipping on a wet floor, that person has the legal right to sue the owner of the house for the damages that occurred to his person. However, these damages that would be awarded to the injured guest would be covered by the homeowner’s homeowners insurance policy. This can save a great deal of stress and hardship and is very valuable for people who entertain company often.

Auto Insurance

Auto insurance protects a person in the evident that he has an accident i his car. these accidents can cause a great deal of harm. That is why it is so important to have automobile insurance.

Life Insurance

Life insurance covers a person in the event that he dies. These policies pay out money to people who were dependent on the person. When the provider for a family dies, it can be a huge blow to a family. Life insurance softens this blow.

Health Insurance

Health insurance pays for medical bills that a person incurs. Medical bills can be very expensive. Health insurance makes these costs manageable.
 
By purchasing the right personal insurance policies, a person can greatly reduce the impact that disasters will have on his life.

Insuring Summer Toys | Insurance Maryland

Boats, trampolines and more – are you properly insured?

Summer is the time for fun. Book a tee time, put the boat in the water, head to the lake, the beach or the mountains. It is the time of year to play. Golfing, boating, fishing, water skiing, swimming, hiking, trail riding – you name it, we do it.

In order to play, we have to have the right toys. And, we have those toys – swimming pools, boats, golf carts, all-terrain vehicles (ATVs), motorcycles, motor homes, and trampolines for the kids. You name it, we’ve got it. And if we don’t own one, we’ll rent one.

But, are the toys we own and rent properly insured under personal insurance policies? In some cases the answer is yes, but, all too often the answer is no.

Pick up your phone and give us a call.  Find out whether your “summer fun” might turn into your “summer nightmare”.  We can help make sure it is “summer fun” for you!