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Since our last report, we have welcomed Daniel Brown into the JKJ family.
Daniel is a graduate of Shippensburg University, where he majored in speech communications and was a leading member of the cross-country team. Also known affectionately as D-Brown around the office, Daniel comes to JKJ with three years experience as a successful producing agent for a large Property & Casualty Insurance Company. We are excited to have Dan's knowledge, dedication and hard work and look forward to his future success.
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| Environmental and Professional Liability Insurance |
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Brad Maurer heads JKJ's new environmental practice.
Brad is a Pennsylvania attorney and a former environmental insurance underwriter.
For more information about JKJ's environmental risk managment programs, contact Brad at
215.579.6478. |
| JKJ Associates Excel |
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Karen Gibbons successfully completed CIC designation requirements.
Deneen Limburg received her CISR designation.
Lanie Turchi
passed the PA Board of Law Exam.
Congrats to All! |
| JKJers on the Run... |
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Gina Callahan and Kristi Cauvin ran in the MMRF Race for Research.
Sharlyn Stevens, Julie Bartl & Sean Kent completed the 08 Marine Corps Marathon held in DC on October 26th.
Sean Kent is representing the 1st Lt. Travis Manion USMC Foundation; supporting families who have lost loved ones in the military.
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| 2009 & Beyond: Snapshot Look at Obama/Biden Health Care Plan
by: Bob Ball |
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Guranteed eligibility
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New Affordable, Accessable Health Insurance Options
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Tax Credits for Families and Small Businesses
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Employer Contribution
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Required Coverage of Children (SCHIP)
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Expansion of Medicade and SCHIP
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Flexibility for State Plans
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On The Move: Winter Car Kit |
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Things to keep in the case of an emergency:
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Rations (food)
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A Blanket
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Hand Warmers
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Shovel
If there is snow or freezing rain:
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Increase your following distance to 4 seconds
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Add weight in your trunk (a 50lb bag of kitty litter works great)
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Remember that ABS brakes won't prevent slipping and sliding
Make sure you vehicle is properly maintained:
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Check tire tread and pressure
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Replace windshield wipers
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Refill wiper fluid with anti-icing formulas |
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JKJ Opens New Doors
Greetings from our new home at 109 Pheasant Run!
As we begin a new year and a new chapter of history at Johnson, Kendall and Johnson, Inc., we do so because of the help of everyone, especially Jeff Golas, Kristi Cauvin, and Ray Dippolito whose efforts and expertise made our move efficient, smooth and seamless.
Please note:
- Correspondence
Please discontinue the use of the PO Box. All correspondence needs to be sent our new address 109 Pheasant Run, Newtown PA, 18940
- Phone Calls and Faxes
All phone and fax numbers are the same
http://www.jkj.com | |
Environmental Risk Management: JKJ Moves In
by: Brad Maurer 
With the new federal government taking the helm in January 2009, there are a lot of questions about environmental liability and whether it will continue to grow as it has in the last 10 years. Volatile oil prices and election campaigns have attracted attention to energy and environmental protection. As a result, there is a renewed national interest in environmental issues. The insurance industry has long toiled with its position on insuring environmental liabilities because they are so different than typical accidents.
Who is Liable?
- The Superfund law holds owners of properties liable for the expense of cleaning up contamination that may have occurred a long time ago - even if the contamination occurred before they owned the property! This liability is much different than an automobile accident where the incident is current, well documented and the remedies are routine.
- In addition to Superfund liability, the wave of claims for lead paint, asbestos, radon, indoor air quality and now mold liabilities have driven most insurers to exclude coverage for any environmental condition.
JKJ understands that environmental insurance coverage gaps pose a serious threat to its policyholders and have developed an expertise in identifying environmental liability threats, managing and even insuring these risks with quality insurers who have developed environmental insurance programs.
JKJ is your resource for any concerns about your business and its impact on the environment.
bmaurer@jkj.com 215.579.6478 | |
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Safe Travels:
Road Rules to Follow
by: Steve Ambrose
 Did you know?
- A study has shown that the distracted driver exhibits the behavior of a person with a Blood Alcohol Content of 0.8, intoxicated.
Our exposure to the unsafe driver is of concern for everyone. We are exposed on our way to and from work, visiting clients, as seen by JKJ's own Risk Control Engineers, transporting our families and conducting personal business. It is our responsibility as much as our neighbors to partake in safe driving habits.
One thing seen ad nauseam is the distracted driver
- Drifting into our lane as they eat their burger/donut
- Talking on the phone
- Reprimanding or caring for children
Likewise, we have all had an experience with the aggressive driver
- Zipping from lane to lane
- Cutting off people who choose to travel at a safe distance
Everyone needs to consider these types of behaviors when driving. This brings to mind a story...
When giving my sons their driving lessons several years ago, I tried to impress on them that they were getting the keys to a 3,000+ pound bullet that requires their undivided attention. We are the pilots of this 3000+ bullet and we need to respect that.
One additonal thing to consider when driving is following the 2-3 second rule. The 2-3 second rule is picking a marker and counting the # of seconds you pass that marker versus the car in front of you.
PLEASE DRIVE SAFELY...as if your life depends on it, because it does.
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| Bruce's Babble: Live in This Moment of Time
by: Bruce White |
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When I was a kid, I could not wait to get older! Now that I am older, I tell all kids to enjoy their time as a kid because, before they know it, they are going to be older and wish they were still a kid!
My Grandmother once told me a story about my Uncle George...
The day Uncle George started his first job; he was having lunch with his boss. Uncle George kept looking at his watch during lunch not wanting to miss too much of the day from the office. His boss asked him for the watch and then his boss dropped it into a glass of water on the table. His boss told him, "Live one day at a time! Do not look back and grieve over the past for it is gone; and do not be troubled about the future, for it has not yet come. Live in the present, and make it so beautiful it will be worth remembering."
Alexander Rose, a futurist, stated "I think the only time that matters is the time that each of us experience as individuals. Time is as variable as the human range of experience."
When I sit down with my children and talk for an hour, it seems like a minute, but if I am sitting in my dentists' chair for only a few minutes, it seems like an hour. Our personal view of time shows us all that time is, what you make with it, and maybe more importantly, whom you share it with.
I know that I always feel like I do not have enough time in the day to get all of the things done that I need to get done. But I have the same amount of time as everyone else! I just need to enjoy the time that I have, with the people that I enjoy sharing it with, and live in this moment of time!
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Main Street Business:
Small Moves for Big Returns
by: Daniel Brown |
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Throughout the election season, we heard all about what the candidates intended to do for you and your "Main Street Business." The election has passed and now you have the opportunity to read what JKJ can do to help your business that you own & operate.
Umbrella Insurance
Business umbrella coverage acts as a safety net in the event a lawsuit exceeds your liability limits.
Certificate Of Insurance
JKJ understands the importance of getting certificates quickly, therefore most requests are processed the same day.
Vehicle Insurance
Coverage of all your business vehicles.
JKJ offers it all! Contact us today for a free quote.
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Multinational Insurance: An Expanding Exposure
by: Brian Laurinaitis
Any company that has operations in more than one country is exposing themselves to sources of loss that are much different than those typically experienced by a solely domestic operating company. The smallest of multinational operations require a specific analysis for obtaining international insurance.
From the simple task of salespeople traveling abroad to using a foreign company as a distributor, international exposures are present. JKJ has always prided itself on proactively venturing beyond the issues of policies and rates to thoroughly understand our clients' organization, culture and unique needs. This is demonstrated by our firm's commitment to:
- Enhanced program design
- Reduced premiums
- Ensure service satisfaction
JKJ has taken this approach to another level with the recent developments in our International Insurance Department.
JKJ is an active member with UNIBA (http://www.uniba-partners.com) who is an independent global network providing insurance brokering, risk management and employee benefit solutions to businesses and organizations in over 110 countries.
Our involvement with UNIBA is to:
- Make global resources readily available to assist JKJ's client base.
- Create joint initiatives with international associates to ensure that the same beliefs and values are shared amongst the group, throughout the world.
- Identify areas of conversation, better comprehend how and why limits & coverages were negotiated and initiate discussions about the coordination between the global and domestic policies.
JKJ recognizes that the extent of the exposures companies face varies both domestic and internationally. We will specifically look at international perils that may not be covered by a traditional insurance program by:
- Evaluating your existing domestic insurance program
- Coordinating and assessing global policies
- Implementing risk management procedures
JKJ works cooperatively with your company as a consultant and is a constant source of knowledge. It is our belief that we have a direct impact on the success of your company by becoming a reliable asset to your business operations. If you should have questions or want more information about the international initiative of Johnson, Kendall and Johnson, Inc., please do not hesitate to contact us.
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Moving Insurance:
Coverage Basics
by: George Pester
 No matter how careful you are in choosing movers, accidents happen. Boxes can be bumped, dropped or shift during transit and no amount of research will guarantee the safe arrival of your goods. Moving insurance provides coverage for personal belongings during a move.
Decoding "Valuation"
Valuation is the predetermined limit of liability as stated on the moving contract or bill of lading. Although valuation is part of a moving contract, it is not related to the actual value of your goods and is not insurance. The t hree types of valuation are listed below.
Declared Value
The value of your possessions based on the weight of the shipment times a specific amount per pound (ex. goods=15k lbs x $1.50/lb=$22,500).
Lump Sum Value (assessed value)
If your household goods do not weigh much, but are valuable, you may need insurance that is based more on cost than weight. This means you can purchase insurance for a specific amount per $1,000 of value. This must be declared in writing on the bill of lading.
Full Value Protection
This coverage includes lost, damaged and destroyed property. The coverage will pay for the repair or replacement of the goods. Usually there is a minimum coverage amount and applicable deductibles.
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