THE ACTIONS WE TAKE AFFECT OURSELVES AND MANY OTHERS
I recently devoted some time to reflection upon my time in this industry. Twenty-six years insuring propane marketers. Twenty-six years of working with good people who make their living selling a fuel that is clean [...]
WORKERS’ COMPENSATION DILEMMAS
Several times a year, we get calls from propane marketers that have had their general liability policy audited. If it has been a warm winter, they are generally happy that there will be a return [...]
IS THE CORONAVIRUS A COVERED PERIL UNDER BUSINESS INCOME?
Beginning the second week in March, the phones in our office started ringing with propane marketers calling to ask if they had any coverage under their Property Policy-Business Income if they were forced to [...]
DOES YOUR INSURANCE PROGRAM STACK UP?
The above question is asked many times by propane marketers who visit with us at the trade shows that we attend, or when we receive a call from a marketer who has just found out [...]
RECONSTRUCTION COSTS AND HOW THEY APPLY TO INSURANCE
California wildfires in 2017 destroyed more than 10,000 structures. In 2018 that number doubled to more than 22,000, and the outlook in future years is unlikely to improve. Couple that with the more than 693 [...]
RISK TRANSFER VERSUS PUBLIC OPINION
In May, the Western Propane Trade Show & Convention brought together propane marketers from all around the West Coast. In visiting with the marketers at the trade show, I was approached by a California marketer [...]
INSURANCE INDUSTRY LOSSES MEAN HIGHER PREMIUMS FOR PROPANE MARKETERS
The headline from the Insurance Journal read, "A.M. Best Sees $12 Billion P/C Insurance Underwriting Loss for 2018." This was followed by even worse news: "The U.S. property/ casualty industry is expected to report that [...]
How to Sleep Like a Baby
In my travels around the United States, I frequently meet propane marketers who tell me that they don't sleep well at night. Their brains cannot shut down as they worry and fret about their business. [...]