ATDinsurance.com

So your at home relaxing in your favorite chair, when the mail arrives and with it a notice that your roof may have suffered ice or hail damage. You haven’t noticed any leaks or even thought for a minute you had a problem. The notice is from XYZ roofing company who would like to discuss it with you ASAP, in order to get the job and get you to call your insurance agent to file a claim.

This is actually an instance that we are aware of. The only problem was the roof had no damage, other then showing some slight signs of wear. In this instance it was a case where a company was trying to take advantage of a homeowner making them complicit in insurance fraud.

At first it may seem to look like everyone wins, the homeowner with a potential new roof, and the company with a profit.

However, the truth is we all lose with illegal schemes. The homeowners short term gain cost him in potential increases over the life of his policy and the more the insurer has to pay out, the more it effects all policy holders as the insurer struggles to keep costs and prices down. Should this scenario play out over and over, it would have a drastic effect on the rates for entire an community.

The lesson to remember here is nothing is free. If a company is soliciting work in an “out of the blue” fashion, meaning you were not aware you had a problem, get a second opinion. If you find that the solicitation is questionable, send the material bid to your insurance agent to find out how best to report fraud.

When we work together, we save together. That’s the Team ATD difference.

Independence is the Team ATD difference. We are not employed by a single company, or certain brand of insurance. We are independent agents that work for you and no one else.  We shop for you and always look for the insurance the suits your needs best. We are in your corner. Call us and find out how we can help you save money.

Odds are if you work in an office your risk is fairly low when it comes to injury. However, many of our business clients have to go outside and work with heavy equipment to earn their keep. Study after study show that the most serious of injuries usually have one factor in common; lack of information. Information is the one tool you should never leave behind.

Don't be this guy!

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For instance in 2009 of 724 workers interviewed that were injured using scaffolding, a whopping 27 percent said they received no information or training on safety requirements or regulations for the kind of scaffold on which they were hurt.

Of nearly 868 head injury claimants interviewed an astonishing 71 percent said they had no instruction concerning the use of hard hats. One of the most basic pieces of safety gear available.  Another 554 workers were injured while servicing equipment due to a lack of lockout procedures.

Danger!

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When these type of injuries happen they cost everyone. The employee in time and lost compensation, the employer in time, billable hours and insurance ratings, usually resulting in higher premiums. The vast majority of accidents are completely avoidable with the proper training and workplace attitude.

Here’s a sample of what you can do.

Workers

• Make sure you have a complete understanding of all safety measures before starting. If you are unsure, ask again!
• Use what you are taught every time.
• Make sure any safety equipment is properly maintained. Change respirator filters frequently and check hard hats for cracks or bad straps.
• Look for and follow any safety labeling or warnings on chemicals or equipment.
• Ask your employer about emergency procedures for fire, or chemical spill if applicable.
• Never operate a piece of heavy equipment you are not familiar with.

Employers

• Use safety training! Contact OSHA for help. They do more then enforcement, they are a great asset.
• Develop safety plans that include fire extinguisher training, first aid and other emergency training.
• Require new employees to review and acknowledge all safety procedures before job assignment.

This is only a sampling of how we can help your business save money by providing you with not only the proper insurance, but the proper resources to make your work place the best for your employees and your bottom line!

Team ATD is always open for business!

2010 saw a lot of changes for our customers. With the passage of the Obamacare bill and other income related activities by federal and local governments, plus a difficult economy, 2010 left some uncertainty and complicated issues for our business and individual clients to deal with. We were very busy in 2010 helping people sort through the changes and making sure that they had the proper protection to meet their every changing needs..

The year also saw a record increase in accidents due to cell phone use by both teens and adults. Many government bodies have taken the lead at the prompting of our industry to limit or outright restrict cell phone use while operation a motor vehicle. Team ATD has been at the forefront advocating and educating our community on the safe use of these devices while driving.

With so many changes happening in a fast paced world, Team ATD is right here offering help for your family or your business’s insurance needs. We wish everyone a safe and prosperous 2011 and hope that in the New Year you take the time to review your current protection and know that we are here to help you sort it all out.

ATD Insurance is looking for a highly motivated, professional commercial insurance specialist. Experience in the insurance industry is desired. Job entails sales of commercial and business related policies, customer service, and knowledge of risk assesment and insurance underwriting.

As most people today know, credit history is a big deal when it comes to getting the best insurance rate. So, it stands to reason that your insurance payment history would also play a roll in keeping your score as high as possible, thereby saving you money in the long run.

An insurance company’s ability to cancel a policy once it is fully in force is limited. However, one of the dangers of failing to get your payment in on time is your policy will be threatened with cancellation. Placing you at financial risk if you should have an accident before the company receives your payment.

You Should know that Insurance companies no more want to cancel a policy than you want it canceled.

The only way an insurance company can manage the many thousands of transactions is with help of computer software. So, every time a cancellation has to be sent out, there is a cost involved. Then if you pay late, there could also be an additional cost for the paperwork to reinstate a policy.

These are unnecessary transactions and are completely avoidable. Companies strive to avoid cancellations so it is ever more important for payments to be scheduled and payed on time. Late payments (or no payment) hurts all parties involved and sometime lead to unnecessary hardship on both the companies and most importantly you the customer.

It is a good practice to pay that premium upon receiving your premium notice. Insurance companies have so many payment options available that, you should have no problem finding a plan that will work for you. Contact Team ATD and ask how we can help!

You often see advertising that states getting insurance is so easy some type of primatives can do it, or at the very least cartoon or computer animated figures try to garner your attention.

Though the advertising certainly is clever, what they aren’t telling you is insurance is serious business. If you don’t have the proper coverage you may not find out until you really need it, most likely as a result of some calamity.

That is when clever advertisers will be no where to be found.  Some companys even go so far as to outsource their customer services so when tragedy strikes your forced to call people whom you may have difficulty communicating with.

Not at ATD insruance, we don’t need clever gimmiks.

We offer protection for you, your family, and business and Team ATD is right here in both Elyria and Vermilion to back it up if you ever need help. You can stop in and talk to someone ready to serve you. Not computer anitmated answering machines not calls to different states or countries.

Real – Live – Help; That’s the ATD difference

• Improving consumer and worker safety Insurance makes businesses and individuals more aware of the risks they face and provides motivation to prevent losses. For example, insurers provide premium discounts to safe drivers and to businesses that implement effective worker safety programs.
• Protecting consumer transactions Most consumers have to borrow money to buy homes and cars; lenders require insurance in order to secure the loans they make for these purchases. Without insurance, few people could obtain an auto loan or home mortgage.
• Protecting business transactions Without insurance, most businesses would find that they could not operate. Insurance enables businesses of all sizes and types to manage the risks that are an inherent part of any business operation (e.g., signing contracts, financing and expanding operations, manufacturing and distributing products, providing services, hiring employees).
• Providing recovery from catastrophes Hurricanes, winter storms, fires, and other disasters can cause tremendous, sudden loss to many people all at once. Insurance coverage enables businesses to replace inventories and rebuild buildings, and allows homeowners to repair and rebuild homes and replace property.

*Providing trillions of dollars to the U.S. economy each year*
• The property-casualty insurance industry pays out more than $300 billion annually in policy benefits.
• Property-casualty insurers doing business in the United States have more than $1 trillion invested in the economy, through stock, corporate and government bonds, and real estate mortgages. These investments finance building construction and provide other crucial support to economic development projects all across the country.
• Property-casualty insurers are a major source of capital for state and local
government in the United States. Insurers held a total of over $368.1 billion in state municipal bonds in 2007. Insurers invest in a variety of public projects, such as airport, hospital, and highway construction.
• There are approximately 3,000 companies providing property-casualty
insurance coverage in the United States. About 100 of these companies provide the majority of the property-casualty coverage.
• About 1.3 million people are employed by the property-casualty
industry, including insurance companies, agencies, and brokerages.

Thought we would share visually what we hope to provide for you and your family or business!

Enjoy!

Construction is still underway here at ATDinsurance.com, but don’t let that stop you from saving money!

Here at Allen Thorley DeLloyd insurance we have agents standing by to do the heavy lifting for you.

When you contact us we immediately go to work taking your information to the dozen or so insurance companies we represent to find you the best rate. Major names such as Progressive Insurance and Met Life.

The best part is, no automated machines or computer grids to cut through! Call us at either convient location in Elyria or Vermilion and you will talk a real live person. Not some outsourced under trained phone jockey in some distant state or country. But a friendly and competent agent who lives and works right here in Northern Ohio.

So don’t fall for some gimmicky cartoon or computer animated advertising. Stop in and save, that’s all there is to it.