Photo by Cindee Shallberg, Kinney Pike Insurance Employee

The Kinney Pike Report 
1st Quarter, 2013
In This Issue
Preparing for Health Care Reform
Client Feature - The Essex Resort & Spa
Community Corner
Get Rewarded for Referrals!

We value your loyalty, and want to reward you for referring new clients to Kinney Pike.    


Watch for details in April about

a new Customer Referral Program!   

Quick Links
Thinking About Adding or Combining Your Policies? 
Now is a great time!  Not only will you feel protected should anything unexpected happen, but you will also have your name entered into our quarterly drawing for a $100 VISA card


Personal Umbrella Coverage


Are you interested in Protecting your Assets and Reducing your Anxiety?  We have just the product for you!  Cheryl Petty, a Customer Service Agent in Rutland, reminds you of the importance of Personal Umbrella Coverage.  

"The Personal Umbrella  policy is designed to provide coverage in the event of a catastrophic claim, lawsuit or judgment.  It provides excess liability insurance over the basic primary policies (e.g. homeowners, personal auto and boaters policies). Umbrella policies pay after the limits of the underlying primary policies are exhausted. 

If you are looking for additional coverage to insure against Personal Injury Liability or Property Damage Liability, this may be a great policy for you."
To contact a Personal Lines Specialist about Umbrella or any of your personal insurance needs, click here
Specialty Insurance - Farms & Ranches

A family operated farm or ranch typically has a variety of real and personal property such as farm equipment, livestock and buildings. Losses can come from perils that affect any other kind of business, such as fire or windstorm, but also from unique risks, such as the death of livestock or destruction of crops by hail.   

For most farms or ranches, the most cost effective and efficient way to obtain property and liability coverage is with a package policy that combines a variety of coverages in a single contract, similar to a Business Owners Policy (BOP) but tailored to a farm or a ranch. Though marketed under a variety of names, these policies will typically have provisions similar to the property insurance and liability insurance sections of the BOP, with the option to add various other coverages that you may need.


The advantage of this product is that it gives a broader range of coverage at a lower cost than is available by buying various separate policies for different risks.

Source:  Insurance Information Institute 


Click here to read more.   



To contact a Kinney Pike Business Lines Specialist, click here.    


Help Us Help You!
Kinney Pike works hard to deliver the best possible service to our clients.  We would like to learn how we are doing, and where we can improve.  Share your comments on this brief survey, and your name will be entered to win a $50 VISA card.

Click here to complete the survey. 


Thank you in advance.  Your input is important to us.    


  Visa card


Spring has finally arrived - well, at least on our calendars!   With Spring comes the usual reminders to turn your clocks ahead, change your smoke alarm batteries and as we have come to learn, be prepared for possible flooding!  Vermont weather can change quickly, and many of our clients have found themselves unprepared for flooding and harsh weather conditions. 

Please be sure you and yours are ready for whatever surprises Mother Nature brings us this spring.  It will save you considerable time, money and frustration later. 

Now, bring on the crocuses, tulips and daffodils!

Preparing for Health Care Reform

Thanks to those of you that attended our Health Care Reform for Businesses seminars in February!  The feedback has been great and our clients were delighted to receive some early insight as to the work that lies ahead of them to prepare for Health Care Reform.   


"We were very impressed with the seminar offered in Woodstock last month. We learned more in that one afternoon workshop than we learned from two other informational meetings we attended."  

         ---Minga Rae Dana, Executive Director
             Marble Valley Regional Transit District -  "The Bus"


What's next?  Our Benefits Division is working hard to prepare clients for compliance leading up to the January 1, 2014 effective date for many provisions of Health Care Reform.  We will be helping large businesses (with 51 or more employees) evaluate their benefit plan structure and determine if they are at risk for paying penalties under the new Shared Responsibility Rules.  We will be helping small businesses (50 or fewer employees) understand the implications of continuing with their current group health plan or dropping their plan and allowing their employees to individually secure health insurance on the Health Care  Exchange.  We will also be assisting small businesses and their employees to determine if employees will be eligible for subsidies on the Health Care Exchange.      


Are you ready for these changes and prepared to comply with health care reform?  It will be here before you know it.  Kinney Pike's Benefits Team can help you plan ahead, make informed decisions while evaluating your risks, and prepare you for questions from your employees.     

If you are currently a Kinney Pike Benefits client, we will be helping you with these various elements of Health Care Reform compliance as part of the services we provide.  If you are not a Benefits client, please contact us so that we can talk to you about employee benefits assistance and our health care reform compliance services.    


To contact an Employee Benefits Advisor, click here

 Client Feature - The Essex Resort & Spa

The Essex Resort & Spa, a valued Kinney Pike client, would like to extend this exclusive offer to other Kinney Pike clients.  Take advantage of this great opportunity for a much needed "Spring Break".  


Enjoy a romantic 'Date Night' Getaway to The Essex Resort & Spa


Set on 18 acres between Vermont's Green Mountains and Lake Champlain, just minutes from downtown Burlington, The Essex Resort & Spa is a true destination unto itself. As the area's only AAA Four Diamond hotel, it offers a wide array of cooking classes in Cook Academy, award-winning dining in Amuse and The Tavern, a full-service Spa & Fitness Center, onsite tennis and golf, fun family activities, and dozens of gardens & walking trails-- all of which perfectly complement the inviting (and pet-friendly!) accommodations.


The Essex is the perfect choice for your next group meeting, conference, or team-building event. And, along with The Ponds at Bolton Valley, it is the quintessential Vermont wedding destination for happy couples throughout the U.S. and Canada.


The Essex Resort & Spa offers you an experience unlike any other resort in New England... a true Recipe for Relaxation.


This package includes:

  • One night's accommodations in a fireplace guest room for two
  • Access for day of arrival and next day (includes use of relaxation rooms, spa lounges, indoor pool, fitness center, steam rooms and saunas)
  • A 3-course dinner for Two in Amuse Restaurant

All for $199!


Valid for Sunday - Thursday check-in only. The 3-course dinner at Amuse does NOT include alcohol. Single use only. Not valid with any other promotion. Present before ordering. $15 resort fee plus taxes and gratuity not included, will be billed at departure. Reservations are required, please call 1-800-727-4295. Package is subject to availability. Expires May 11, 2013. No cash value, no refunds. All sales final.



If you would like your business to be featured in an upcoming issue of the Kinney Pike Report, contact us. 

Community Corner

We're gearing up for yet another busy event season!  You will find us at all of the great events we sponsored last year, and we have added a few more as well.  Watch our website and Facebook postings for more information on our event sponsorships and great event raffles!


Kinney Pike employees are looking forward to the start of the Lake Monsters' baseball season, and finding our billboard in a new location, due to the renovations at the ballpark this year.  Kinney Pike gives away home game tickets to youth groups each baseball season.  Do you know an organization serving youth or families that may be interested in tickets?  If so, please email Ann with your request and a brief note about who they are and how they will benefit (limit of 4 tickets per group). 


In June, you will find our employees handing out water to the committed participants in the Relay for Life events in Essex, Rutland, St. Johnsbury, and Springfield.  We have also added a location in St. Albans this year!    


Also in June, we will be participating in the
SLAM Diabetes Tournament in Essex, VT on June 28th & 29th. 
Look for our employees at other local events this Spring:


  - Rutland March of Dimes Walk - Saturday, May 11th


  - Vermont Business Expo, Burlington - May 22 - 23rd


  - Quechee Balloon Festival - June 14 -16th



Community Donation / Facebook Challenge

We held a very successful "Facebook Challenge" with David's House of Lebanon, NH in December.  For every new "like" we received in December, we donated $1 to David's House.  We were delighted to send them a donation of $176!


If you would like to partner with Kinney Pike on a future Facebook Challenge and earn "donations" for encouraging your friends to like our Facebook page, please email Ann.  


Drawing Winners  

Katrina Munyon of Stockbridge won a 32" flat screen TV from our Bethel Business Show raffle.

Rob Amon of Small Dog Electronics and Sarah Porch of Rutland won $50 gift certificates to the Fair Haven Inn from our Rutland Business Show raffle.

Spring Photo Contest
Back by popular demand! In April, Kinney Pike will roll out its 2nd Annual Spring Photo Contest.  Last year was a great success, with a wide variety of photos entered. 

The theme again this year is "New Beginnings."  Share a picture on our Facebook page showing what this means to you.  Get your friends to "like" your photo, and you could be one of two winners.  Kinney Pike staff will pick one winner.  The person with the most "likes" for their photo will be the the second winner. 

The contest will begin on April 15th so get ready!  Winners will receive a $50 VISA card!  One entry per person.   

Thank you for your loyalty and continued business.  We appreciate them both!  


Doug Corman, Justin Barwood & Peter Werner


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