the knowledgebrokers

Jewelry, Collectible Items, and Furniture: Does Your Policy Cover Their Full Value?

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December 14th, 2012

While furniture, clothing, and electronics are covered under your homeowner’s or renter’s policy;  jewelry, works of art, valuable collections (coins, etc.) may not be covered up to their full value depending on the type of loss and endorsements included in your policy.  That means, that unless it is specifically scheduled on your policy, the beautiful necklace your husband gave you last» Read Full Article

Should You Ever Drop Comp & Collision Coverage From Your Auto Policy?

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September 18th, 2012

If you are driving a car that is no longer worth a lot of money, having collision and comprehensive coverage may not be right for you. The cost of collision and comprehensive coverages, which repair or replace your car if you are at fault in an accident or if your car is stolen or vandalized (along with» Read Full Article

Long Term Care Insurance Premiums are Eligible for Tax Deductions

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August 2nd, 2012

Tax-qualified long term care insurance (LTCI) premiums are considered medical expenses. For an individual who itemizes income tax deductions, medical expenses are deductible to the extent that they exceed 7.5% of the individuals’ Adjusted Gross Income. The amount of the LTCI premium treated as a medical expense is limited to the eligible long term care» Read Full Article

Beat the Heat: Tips for Employers to Reduce Heat-Related Illnesses

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July 23rd, 2012

As summer heats up, so does the risk of heat-related illnesses.  It is critical to allow the body to gradually adjust to higher temperatures.  Excessive exposure to a hot environment can bring about a variety of heat-related health problems and illnesses.  With the increase in heat-related health problems, so too increases the frequency of accidents.» Read Full Article

Everything can change in the blink of an eye: The importance of umbrella policies

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July 16th, 2012

In the blink of an eye your life can be turned upside down by unforeseen events and things can change your life forever.  Today, more than ever, umbrella policies are a way to further protect yourself from those unforeseen circumstances.  Umbrella policies provide a minimum $1 million in additional liability coverage and can also provide» Read Full Article

Business Insurance Rates Rising – Slightly

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December 20th, 2011

In a recent article by Erik Holm from MarketWatch, he confirms that we are seeing the most aggressive insurance premium increases since 2004.  At R&R Insurance, we have seen this slight uptick in renewal prices which indicates to us that 2012 will be a prime opportunity for businesses to review their coverages and their rates.» Read Full Article

Quality Claims Management Ideal For Quality Truck Care Center

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January 27th, 2011

Ken Balda, President of Quality Truck Care Center of Oshkosh, Wisconsin, describes how R&R’s claims management process saved his company from what could have been a very large claim… “For our garage package renewal last year we chose to go with R&R Insurance Services who represented American Hardware Mutual. Mike Obertin and Bill Katzfey put» Read Full Article

Parking Lot Maintenance Reduces Premium by 45%

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July 22nd, 2010

“I can’t begin to explain what Jamie and R&R have done for us. In 2002 PLM had a mod factor of 1.15. We now boast a .69 mod. We have a fantastic safety program and a 45% reduction in premium. This reduction occurred during a huge company growth period.” Grant Pozorski Parking Lot Maintenance, Inc.

Interstate Sealant & Concrete

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July 21st, 2010

“Having Jamie as an agent has been one of the most beneficial steps I have done for my company. Jamie is not only knowledgeable in the field, but he also helps me become more proactive in my business insurance needs regarding risk exposure. He is a great facilitator between the carrier and the client so» Read Full Article

Donovan & Jorgenson Lowers Workers Comp Costs

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July 19th, 2010

“Jamie Vanderveldt has been very helpful and informative in the time we have worked with him. Jamie has been instrumental in helping us focus on ways to reduce our workers comp costs. He has earned our confidence as a result of his thoroughness and expertise. I appreciate his friendly and helpful attitude.” Joe Donovan Donovan» Read Full Article