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Spring has finally arrived here in Connecticut - albeit a tad wet!
I'm actually ok with the rain. I lived in Arizona for awhile many years ago and I remember going months - not days - but months with not a cloud in the sky. For those of you that know me well, you know that I'm a rather impatient woman. I get bored very quickly - and that includes dealing with the weather! I like things to be mixed up a bit, I enjoy the change of seasons.
I thrive on change - but not everyone shares my love of craziness! I simply wouldn't know what to do with myself if I wasn't going 100 miles an hour in 100 different places. People often wonder when the burn out will happen. Truth be told, I'm not sure it ever will. I'm not a sit still kinda' girl.
Speaking of change - I spent the morning with the Litchfield County Board of Realtors for their annual Legislative Breakfast. The room was filled with Realtors who are BUSY! The tax credit has prompted quite a few people to throw themselves into the home buying market. I hope for our friends at LCBR the trend continues.
In closing - let's embrace our rainy spring, knowing that there is a silver lining in everything. May flowers will soon be here.
Cindy Donaldson
Director of Marketing & Personal Lines Sales
Founders Insurance Group
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Founders Insurance Group recognized nationally for our use of Social Media!
 We were featured in the March Edition of Independent Agents (IA) magazine. Click on the link below to read how Twitter, Facebook and this e-newsletter are making a huge difference in our marketing efforts!
 Chris Garlasco, Owner and Managing Partner, was part of National Producers Council for Travelers Insurance!
The Council is hand picked by Travelers to represent their national 13,000+ store fronts.
The 17 member council meets yearly to discuss consumer trends, challenges within the independent agency system and innovations in technology specific to the insurance industry.
Below is a picture of the Council. Chris is in the back row, first on the left.
New Sales Promotion:
 We are giving away $10 gas cards at Founders Insurance - and we want to give away a ton of them!
Simply refer someone to Founders Insurance Group (they have NO obligation to buy) and we will give you a $10 gas card for the referral and we will give them a $10 gas card just for allowing us to give them a proposal!
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Join Our List
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Give us a call, stop by, send us an email or visit us online
Torrington
1300 Winsted Road
860-482-3506
Lakeville
12 Millerton Road
860-435-2507
Orange
291 S. Lambert Rd., Ste 7
203-795-1323
Emails you may need:
Terri Kozikowski
Operations Manager and Platinum Accounts Supervisor
Cheryl Venditti
Commercial Lines Manager
Cindy Donaldson
Director of Marketing and Personal Lines Sales
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Accidents happen...
Are you prepared? |
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Unfortunately, most of us will be involved in some type of auto  accident during our driving lives. Hopefully the majority will be simple fender benders - but some will be catastrophic. All will be unexpected.
Be prepared
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Make sure you have adequate limits on your auto insurance policy. Give us a call if you are unsure!
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Have a current copy of your insurance card in your car at all times.
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Have an emergency kit in your car - flares, flashlight, jumper cables, blanket, first-aid supplies at minimum
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Make sure your car is in good working order - tires are not worn, breaks are not worn etc.
If you are in an accident...
- Call the police - even if you don't think you have damage to your car or you don't think you are hurt
- Don't leave the scene until the police say it is ok to leave
- Make sure your car is off the road if you can - make sure you are safe from other traffic
Interacting with other drivers
- Remain calm and courteous
- Get his/her name and address, make of car, insurance information
- Don't accept fault for the accident - let the police decide liability
- Have your license, registration and insurance ready for the police officer
- Don't discuss the specifics about the accident with anyone besides the police
- Don't accept ANY monetary compensation at the accident scene from the others involved in the accident.
What will my insurance carrier want to know?
- Who was involved
- The other driver's data that you collected at the scene
- Property damage and injured parties
- Each carrier will have specifics that you will need to supply.
Drive safely, be prepared and know what to do if you should be at the wrong place at the wrong time.
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| What is E&O Coverage and do I really need it? |
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E&O - Errors and Omissions
Professional Liability - Errors and Omissions Insurance protects your company from claims if your client holds you responsible for errors, or the failure of your work to perform as promised in your contract.
Coverages Include:
- Legal defense costs, no matter if the allegations are found false.
- Payment for any resulting judgments against you, including court costs, up to the coverage limits on your policy.
- Extension to both W-2 employees and 1099 contractors and can be worldwide.
When would you need to purchase E&O insurance?
- It is usually wise to purchase E&O coverage prior to a launch of a product or project, or anytime you have customers which will include most businesses.
- If you have investors, many will require the coverage to protect their investment.
Professional Liability - Errors and Omissions Insurance coverage is NOT provided by a Commercial General Liability Policy. It MUST be purchased separately.
A Commercial General Liability policy does NOT provide any coverage for:
- Errors
- Contract Performance Disputes
- Any Professional Liability Issues
If you own a company and do not have Errors and Omissions coverage you are taking a BIG risk! Mistakes happen, it is inevitable.
Don't be a victim - take charge of your company's future today with Professional Liability - Errors & Omissions Coverage
Call Founders Insurance Group today!
800-762-7369 |
| Founders loves sportsmen and women! |
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 Sportsman Protect is here and
Hanover Insurance
will give you a 6% Discount on your Homeowners Policy for
Qualified Founders Sportsman Protect Clients!!
Do you:
- Hunt and or Fish
- Enjoy the sports of Archery or Skeet Shooting
- Have high value or antique firearm collections
- Belong to a Rod and Gun or Hunt club
- Have hunting dogs
- Have high value taxidermy collections
- Collect or own high value or vintage fly fishing gear
If you answered yes to one or more of these questions - Sportsman Protect by Founders Insurance Group is for you!
Sportsman Protect not only protects the items listed above but offers very competitive rates and discounts on your:
- Home, Renters and Secondary Home Insurance
- Auto Insurance
- Watercraft
- Umbrella Insurance
- and more!
As an added perk, anyone who allows Founders Insurance Group to give them a proposal for Sportsman Protect can get a free $10 Cabela's Gift Card!
For more information about how your OR your Rod & Gun Club can enjoy the benefits of Sportsman Protect call:
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