community insurance group newsletter the chronicle
Post on 04-Apr-2018
221 Views
Preview:
TRANSCRIPT
-
7/30/2019 Community Insurance Group Newsletter the Chronicle
1/4
Chronicle
TAKE A LOO
INSIDEPG2
Fall/Winter Edition 2
COMMUNITY INSURANCE GROUP
PREPARING FOR WINTER
SIDNEY OFFICE
2621 West Michigan S
Sidney, OH 45365
(937) 492-0823
MINSTER OFFICE
68 West Fourth St., P.O. Box
Minster, OH 45865
(419) 628-2114
BOTKINS OFFICE
105 Roth St., P.O. Box 24
Botkins, OH 45306
(937) 693-2911
FT. LORAMIE OFFIC
408 South Main St.
Ft. Loramie, OH 45845
(937) 295-2422
www.communityinsurancegrou
PG3
PG4 ACCOUNT REVIEW FORM
COMMERCIAL CORNER
Te ort anwer: weater and ared rik.
When a wave o major storms strikes Ohio, or anywhere in the United
States or that matter, your carrier uses insurance premiums to pay claims
to help customers, like you recover. I they expect more storms, your rates
ncrease. Ohio has been rocked with several devastating storms this past
year, rom hail storms to tornadoes.
Simply stated, a greater requency and severity o storms create higher
premiums, regardless o whether or not you have had a claim.
An increase in severe weather events: The eects o La Nia,
which causes a collision o cooler and warmer air over the
United States, has agitated rougher weather this year.
The growing population: More people means
more buildings and structures lying in potential
paths o destruction.
Why ARE My hOMEOWNERs
INsURANCE PREMIUMs INCREAsING?
Community Insurance Group is proud to
announce the addition o Jamie Mescher
to their operation. Mescher has over 14
years experience in Commercial Operations
and specializes in risk management or
trucking, contracting, manuacturing,
and energy dealers. Je Sargeant,
President o Community Insurance Group
commented: Jamie has been workingin Ohio and neighboring states in these
markets with much success, helping
customers understand risk mitigation,
and coverage options that pertain to their
exact industries. We are excited about the
expertise Jamie brings our agency orce!
Along with the addition o Mescher,
Community Insurance Group has added
new carriers that specialize in these types
o industries, allowing a broader array o
options or customers. Mescher lives in
Minster with his wie Beth and their our
children Evan, Ella, Lydia and Landon.
Earlier this year, Community Insurance
Group added Doris Ward, a licensed
property and casualty insurance agent in
Sidney since 1995. Doris joins Community
Insurance Group rom many years in
working with the local oces o Nationwide
Insurance and American Family Insurance.
Sargeant states Doris is a welcome addition
to our growing amily. Her expertise in
personal home and auto is very helpul to
our existing clientele as well as our growinglist o new clients. Ward will be working in
the Personal Lines division o Community
Insurance Group handling auto, home,
umbrella, recreational vehicles, and ood
policies through many insurance carriers.
Doris and her husband Terry live in Sidney;
they have two children Amber and Je.
Community Insurance Group is an
independently operated insurance agency
based out o Sidney, Ohio since 1995
specializing in Auto, Home, Farm, andall Commercial operations. Other oce
locations include Minster, Botkins, and Fort
Loramie.
Community insuranCe GroupannounCes two new additions
- Jamie Mescher
- Doris Ward
Experts identied causes for the increase, but the two major reasons are:
-
7/30/2019 Community Insurance Group Newsletter the Chronicle
2/42 FALL/ WINTER CHRONICLES
PREPARING FOR WINTER
IN YOUR CAR. It is not enough to throw a saety kit,including emergency equipment such as blankets,
candles, a shovel and traction aid into the trunk o
your car and think that you are ready or operating
your vehicle in inclement weather. The single most
important thing we can do while driving in severe
winter conditions is to slow down. A sae speed or
conditions might be well under the posted speed limit.
Triple the normal driving distance between you and
the car in ront o you. I your vehicle begins to slip,
immediately take your oot o the accelerator and steer
gently in the direction you want the car to go. I your car
gets stuck, clear the snow in ront o and behind yourtires and spread sand, kitty litter or traction mats in
the ront and back o your tires. Gently accelerate until
you eel the tires begin to spin. Put the car in reverse
and back up slowly until stopped by the snow. Rock
orward again using a low, steady speed.
AT HOME. Have your heating system inspected to make
sure it is working properly. I you have an alternative
heating source, it should be UL approved and inspected
beore using.
Good insulation will also help i power is lost. Checkor possible air leaks around doors and windows. Seal
electrical outlets ans switches on outside walls. Stock
up on easy to prepare ood, frst aid supplies, batteries,
ashlights and a battery-operated radio.
I you do get snowed in at home and the situation i
dire, just relax and preserve heat by hanging blank
over windows and doors. I you use a suppleme
heating device, make sure it is UL approved, in go
operating condition and maintaining sae dista
rom ammable items.
OUTSIDE. Make sure to remove garden hoses r
outside aucets. Hopeully, you remembered
clean your gutters o leaves, and debris. Better
install gutter guards. These can help keep snow
ice rom building up, which can orm ice damns a
damage your house. Outside heating appliances
heat pumps must be clear o snow and debris to w
eciently .
I you have to go outside, wear tight and laye
clothing and sturdy watertight shoes. Make sure
cover exposed parts o the body by wearing hats, gloand scarves. Failure to protect skin and prolon
exposure to the cold can result in rostbite. The no
cheeks, ears, fngers and toes (your extremities)
most commonly aected.
Winter time and winter weather can be tremendous
un, but cold and snow can also pose danger. Slippery
roads, downed power lines and limbs, and reezing cold
temperatures all bring an added measure o suspense to
our daily activities. There are simple steps you can take
that will take the chill o your wintertime experience.
snowpLow, Custom paint JoB:
are tHey CoVered?
Welcome to our semiannual Newsletterthe Chronicle!In this release we are proudto introduce our two newassociates, Jamie and Doris,
on the ront cover. To be ableto expand upon our personneland expertise during these
dicult economic times is a testament to our hard workingteam o insurance proessionals as well as our ever growingloyal customer base. Our challenge is to become a betterservice organization, and with this in mind we are addingon additional insurance carriers such as Acuity, EMC,and Utica that enhance our commercial lines oerings
in trucking, contracting, manuacturing, and retail. Ouragribusiness expertise allows us to handle many dierenttypes o arming operations and help manage the diversityo risks involved by ar our largest growing new customersegment. And our personal auto and home customerscontinue to beneft rom our large array o insurance
providers with options not seen in captive oces such asNationwide, State Farm, AllState, etc. Only Independent
Agencies like us can provide you, the consumer choices.
We are also reworking our website to enhance our customersexperience with our 24/7 access to payment options,vehicle ID cards, claims reporting, and other customerservice enhancements. Please check us out over the nextseveral weeks at www.communityinsurancegroup.comto monitor our progress. As always, please eel ree to
contact me directly with any service suggestions we wantto make your experience with Community Insurance Groupthe best it can be. (jef@communityinsurancegroup.
com, or 937-492-0823).
To all o our insurance customers, we thank you or allowing usto earn your business we truly appreciate the opportunity!Embracing what it means to be Community!
Sincerely,
Je Sargeant, President,
Community Insurance Group Have you recently added any permanently attached equipment
to your vehicle like a snowplow, ladder rack, or cleaning
equipment? Or did you recently get a custom paint job vehicle
wrap to advertise your business?
I you have answered yes or have any other permanently
attached equipment or vehicle enhancements, other than those
originally installed by manuacturer, it is important to contact
us. We will evaluate your insurance needs and assure that your
vehicle is insured adequately.
In addition, we recommend you maintain a record o the
permanently attached equipment or vehicle enhancements by
taking photos and saving your receip
In the event o a loss, these may help
assist settling a claim.
Keep in mind that unless we ha
adjusted the value o your vehicle
these enhancements, they will not
covered in the event o a loss.
We know that these enhancements c
be costly, so beore it is too late be sure
contact our oce. We are always happ
discuss your individual insurance need
-
7/30/2019 Community Insurance Group Newsletter the Chronicle
3/4FALL/WINTER CHRONICLES 3
CommerCiaL Corner
In consideration of the upcoming Christmas holiday,Community Insurance Group would like to thank you for your loyal
patronage and the trust you have placed in us to help protect your most
valued assets. The word Community means more to us than just a
business name, it means caring for all those in need.
To recognize you, our loyal customer this Christmas season, we are
making donations to several nonprofit organizations in lieu of sending
customer appreciation gifts. Our charitable list this year includes:
Local Hospice Care, Food Pantries, and Women Crisis Centersfound in the communities in which we operate.
What better way to support our own Community, than to connect our
associates, our customers, and those charities in need, during this time
of celebration! Best wishes to all, and have a great holiday season!
Embracing what it means to be Community
VISIT OURWEBSITE
www.communityinsurancegroup.com
24/7 ACCEss TO REPORT
AND TRACK yOUR CLAIM
24/7 ACCEss TO MAKE ON-LINE
PAYMENTS, CREDIT CARD PAYMENTS,
ChANGE yOUR BILLING PLAN
PRINT VEhICLE ID CARDs
WINTER DRIVINGWinter is a dicult time or every motorist, and its especially
tough or truck driver. But theres much you can do to survive the
season without serious grie.
Winterize Your RigBe thinking about winter long beore the frst snow hits. Be sure
your truck is winterized, and so are you, by the time you make your
frst cold weather run.
Put on new tires i treads arent deep enough to give you the
traction you need on snow and ice. Start carrying tire chains.
Change your oil to 15W-40, i youre not using it all year round.
Replace wiper blades and be sure your cab heater and deroster are
in good working order.
Clean battery connections and starter cables. Install heating devices
or the batteries, uel tanks, cooling systems, and oil. Chance are
the same heater will do double duty or oil and coolant.
Cold StartingWhen cold nights come, start parking your truck on the south side
o buildings, to block the north wind. Zip up the winterront tokeep the heat inside. Check your engine heater the frst time you
use it to make sure its working.
Leave the glow plug on longer as the temperature drops. You only
need to operate it or a minute at 40 degrees Fahrenheit (4 degrees
Celsius), but it needs to be on or three minutes at 10 below.
You may want to carry a spray can o ether to assist in starting.
But go easy. Too much ether and youll race the engine and have
ames shooting out your stacks. Dont use it all i you have the
glow plug or maniold heater going. The ether could catch fre or
explode.
It is saer to install an automatic starting uid assembly. This is a
small device which injects a measured dose o ether each time you
start the engine.
Easy Does ItGo easy on snow and ice. Too much power to
the drive wheels can cause you to lose traction
and go into a side skid. On glare ice, it doesnt
take much to spin your wheels. Test careully
to see how much throttle will gain you some
traction without spinning your wheel.
Separate your tractor and trailer oten in
winter and apply light-weight chassis lube
to the fth wheel. I it gets sti, turning is
dicult and youre likely to lose control.
Winterize YourselfCarry survival supplies in case youre stranded
in a blizzard. Carry a set o heavy protectiveclothing as well as a shovel, an extra blanket,
a supply o water, some emergency rations,
and a frst-aid kit.
I youre properly equipped, you may be able
to leave a stranded truck and go or help.
But i you have no clear idea o where youre
going, youre better o staying put. Remain
calm, stay dry, and keep warm. Conserve
uel by running the engine intermittently.
Use you CB radio to stay in touch with the
outside world.
Make Sure You SurvivePrepare yoursel or winter when its still
warm. Master the techniques o proper
winter driving and youll make it through the
harshest weather with your saety record still
intact.
-
7/30/2019 Community Insurance Group Newsletter the Chronicle
4/4
2012 PERSONAL HOME & AUTO ACCOUNT REVIEW
Once again, please let us know by indicating above if you would like an appointment to review your account.
Keep in mind, no coverage is bound until speaking with an agent directly.
hank you for taking the time to complete your annual review. As always, we appreciate your continued business.
no changes are needed, simply sign this orm and return to our ofce at your convenience.
LEASE SIGN_______________________________________________________DATE___________(Signature )
2621 West Michigan St.
Sidney, OH 45365
Embracing what it means to beCommunity
PRSRT ST
U.S. POSTAG
PAID
SIDNEY, O
PERMIT NO
Would you like to schedule an appointment to review your policy(s) and recommendations we may have for you? yEs NO
lease update your address and telephone information if necessary:
ame:______________________________________ Address:_____________________________________________
hone:_____________________ Alternate #:_____________________ E-mail:_________________________________
overage for the following items may not extend from your home or auto policy if it is not endorsed.
lease check which items you may be concerned about, and we will contact you.
Towing, rental car,uninsured motorists coverage
Any additional drivers
Water backup of sewers/drains
Flood insurance
Earthquake
Personal Umbrella policy and/or increasing
liability limits for auto and home Identity Theft
Rental dwellings/Secondary homes
Vacant home
PLEASE COMPLETE THE FORM PROVIDED, DETACH AND MAIL TO YOUR COMMUNITY INSURANCE GROUP AGEN
Life Insurance, IRAs, Annuities, Health or Disability
Increasing your deductibles for possible savings
Scheduling items (jewelry, ne arts, guns,collectibles, computers)
Recreational Vehicles (mopeds, ATVs, golf carts)
Room addition/remodel
Home based business (child care, Mary Kay, Avon, etc.)
Other concerns:________________________________________________________________________
Please check if no changes
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
top related