Archive for About Us

Everyone Who Hates Speeding Tickets, Raise Your Right Foot!

pexels-photo-451590Slow down, save money and lives

How many times has the following happened to you? You’re speeding down Rt. 30 when you spot a police car. You quickly hit the brakes and slow down, relieved that you didn’t get caught…this time. Now take a minute to think what could have happened if you hadn’t been so lucky.

First, your speeding could have hurt somebody-or yourself. According to the Insurance Institute for Highway Safety, speed is a contributing factor in more than 30% of fatal crashes and nearly 20% of non-injury accidents. That’s a big risk to take. Second, getting a ticket could put a big hit on your wallet. Of course, that’s not nearly as important as the health and safety impacts of speeding, but in this economic climate, more and more people are watching every dime. And who wants to write a check to the state for speeding?

At Duncan Financial Group, we want you to be safe. We also want to make sure you get a great price on the insurance coverage you need. Thankfully, easing up on that lead foot can help accomplish both.

How a ticket impacts your insurance

If you get a speeding ticket, that violation can stay on your driving record for three years or even longer. And because your driving history plays a large part in determining how much you’ll pay for insurance, the fewer tickets you have, the better. Different carriers have different policies when it comes to checking your driving record and dealing with drivers who have violations.

If you receive a ticket, and it’s your first in several years, you may not see much of an increase… depending on the severity of the offense. In fact, many states will allow you to enter a deferment program if it’s your first ticket, keeping the violation off your record if you complete a safety course and avoid further tickets. But that second ticket (or third, or fourth) can bring some serious financial penalties.

While there are too many variables to say specifically how much each additional violation will increase your premium, it’s safe to say that the jump will be significant. And unfortunately, you can be stuck paying those higher premiums for years. Significant violations can have a bigger impact as well. If you’re going 20 miles per hour over the limit, you’ll likely pay more than someone with a ticket for 5 mph over.

Insurance companies know that speeding increases the risk of accidents, and they’ll view you as an increased risk… for good reason. In fact, if you have a serious violation, or too many tickets, your insurance carrier could drop your coverage altogether. For younger drivers (typically under the age of 25), it’s especially important to avoid tickets, because companies already view these drivers as riskier than the general population

. And keep in mind, even if your premium doesn’t go up, having a violation on your record could prevent you from receiving the lowest possible rate on your insurance. Of course, we think the best policy is simply to obey speed limits.

Not only will you avoid tickets and possible insurance hassles, but your risk of accidents will decrease. And you’ll get better gas mileage. Sounds like a good deal to us!

Employee Spotlight: Daneen Hayden

Daneen email sign pic fav

From the July Newsletter- Employee Spotlight: Daneen Hayden

Daneen Hayden is the Commercial Insurance Lead Account Manager at Duncan Financial Group. Every day she is responsible for handling claims, working through client’s issues, and ensuring that the other Commercial Insurance Account Managers are ready to handle whatever comes their way. Daneen’s hard work and enthusiasm for her job does not go unnoticed. She has been with the company for the past 12 years and since then, she has constantly focused on a commitment to clients and continuing her insurance industry education.

Recently, Daneen earned her Certified Insurance Counselor (CIC) designation through the Society of Certified Insurance Counselors. The extensive program consisted of five courses and exams over a period of five years. Daneen completed the program in three years. This designation, along with her Certified Insurance Service Representative (CISR) designation, will provide her with a better understanding and comprehensive knowledge of insurance risks and exposures. Daneen considers her clients as family and feels they should be treated like family–this is what motivated her to continue her education. Her favorite part of working with clients is building relationships and friendships, and knowing that she provided the services best suited for her client’s business to succeed.

Please join us in congratulating Daneen Hayden on this great achievement!

Even though Daneen commits a great deal of her time to her clients and Duncan, she is a dedicated mom of three. Family is an important part of Daneen’s life and she enjoys spending time with her husband, Scott, her daughter, Gracie, and two sons, Josh and Brandon, as well as a Border Collie mix named Jax. The family`s favorite part of summer is traveling to Myrtle Beach. However, Daneen’s dream vacation would be traveling to Ireland or Scotland.

When she is not spending time with her family, Daneen can be found exercising. She enjoys swimming and biking, but after a long-hard work out, she is ready to sit down and watch HGTV. Her favorite show is Tiny Houses and she hopes that one day, she will be able to use her furniture restoration skills to help build her very own tiny home.

Daneen’s passion can be seen in every aspect of her life, from family-life to working with clients. She is committed to making it all work together for her clients and the company, and bringing positivity, dedication, and humor into the office each day.

Employee Spotlight: Kim Smith

Kim email sig

From the July Newsletter- Employee Spotlight: Kim Smith

Kim Smith has been in the insurance industry since 1984. Three years ago, she brought her extensive knowledge and expertise to Duncan Financial Group, where she’s been a valuable asset ever since. Kim is a Personal Insurance Account Manager with a CISR designation, which helps her make it all work together for her clients. Communicating and interacting with clients is all in a day’s work for Kim, and she wouldn’t have it any other way. Whether it is over the phone or face-to-face, her dedication and commitment to the well-being of her clients is what helps her thrive.

Kim says one of the most enjoyable things about being part of the Duncan Financial Group Team are the individuals she works with on a daily basis. She says that her co-workers’ hard work and willingness to support others in the department creates an exceptional work environment. If she has a question or needs a helping hand, she knows she can depend on her co-workers to have her back.

Despite her busy work schedule, Kim still finds time to relax with her family. On the weekends, this mother of two and a grandmother, plans family trips to new and exciting locations. One of her favorite places to visit is Myrtle Beach. This beloved vacation spot is close to Kim’s heart, as it was where she and her husband of 34 years spent their first vacation together. Family is the most important thing to Kim, so when she is not thinking of a beach getaway, she dreams about visiting her grandson in Germany. Kim finds a way to integrate her family into every aspect of her life, even her hobbies. She and her daughter both share a love for ceramics. She delights in making ceramic Christmas pieces and gifts for her friends and family. She and her daughter even make center pieces and candle holders for her daughter’s home.

Kim makes an impact in the lives of her family and her co-workers every day, and Duncan Financial Group is proud to have her as an outstanding member of the team.

Before the wind blows, secure your trees and shrubs

The seasons are changing, and the colors of autumn abound.

Regrettably, fall’s stunning display is often accompanied by some unwelcome weather hazards in Pennsylvania – namely, wind – that can cause considerable damage to the very trees that produce those beautiful treefall leaves.

At Duncan Financial Group, we want your yard and home to stay great throughout the season.  Take a look at the following tips to ensure you keep your trees and shrubs healthy and avoid destruction that can result when the wind blows.

To protect existing trees

  • Bundle ‘em up. Go to a home and garden store and buy enough landscape fabric and plant ties to cover trees and shrubs vulnerable to the changing weather. Wrap them up for the winter and then unwrap them after spring has sprung.
  • Exercise pruning prowess. Proper pruning is essential to ensure trees can withstand winds, so make sure you use correct pruning techniques or hire a professional.
  • Trees and more trees. If you have trees that are especially susceptible to wind, consider planting more trees. Experts say to choose trees, like conifers and evergreens, to create a windbreak. As an added bonus, a windbreak placed in correct proximity to a home can reduce energy costs by up to 30 percent. Keep in mind: conifers should be planted at least 20 feet away from a structure, evergreens at least 30 feet away.

When planting new trees

  • Know which way the wind blows. Pay attention to the wind patterns in your part of {State} through the fall and winter seasons and how they affect your particular lot.  Plant trees in areas where structures, such as your home, garage or shed, can serve to shelter them from the wind.
  • Give them some space. Plant trees far enough away from structures and foundations. A smaller tree should have at least a 10-square-foot space to itself, and a larger tree needs at least 30 square feet.

At Duncan Financial Group, we hope these tips will ensure that you and your yard hang tough all season long… even when the wind starts howling.

Happy 4th of July!

flag-fireworks1

Happy Independence Day!

Independence Day is a wonderful time to reflect on the brave men and women who have served our country, and those who continue to serve and protect us and our freedom.
While you are enjoying the many fun activities this holiday brings, please keep safety in mind while you are grilling, swimming and setting off fireworks. The American Red Cross provides a helpful list of safety tips for you and your family to enjoy a safe and happy holiday.
Duncan Financial Group would like to wish all of our clients, friends and their families a safe and happy Fourth of July! In observance of the holiday, our office will be closed on Friday, July 3. We will reopen at 8:30 am on Monday, July 6.

 

Flood Insurance: Are you Prepared?

house_flood2The weekend storms in Western PA have caused headaches for many homeowners.  People are trying to dry out their basements from the flooding that has occurred in many areas. This can be a huge undertaking for most people, especially those who have not purchased a separate flood policy. Remember, flooding is NOT covered under a homeowner policy.

For additional information, you can read about “what nobody ever told you about flood insurance” at https://www.trustedchoice.com/catastrophe-insurance/flood-coverage. Also, feel free to call one of our insurance professionals with questions about your existing policy or to purchase a new policy.

We’ll help keep you grounded when “the waters rise.”

May is Motorcycle Awareness Month

safety_tip_1.649x0-is

May is Motorcycle Safety Awareness month — the perfect time to encourage motorcyclists to practice safe riding and to remind motorists to share the road with motorcycle riders.

Resources to keep you safe!

  • Spring is here and that means it’s time to prepare your motorcycle. However, getting your bike ready for the road in spring is much more than a quick kick of the tires. Here’s a good to-do list: http://j.mp/1hUHse0
  • Stay safe while riding your motorcycle. The Motorcycle Safety Foundation is a good source for finding courses near you: http://j.mp/1mHqOio
  • The National Highway Traffic Safety Administration estimates that proper use of motorcycle helmets reduces brain injury risk by 67%. Here’s what to look for in a helmet: http://j.mp/1bbCMQJ

Need Motorcycle Insurance? We Got You Covered!

Whether you ride a cruiser, trike, touring bike, custom, chopper or sports bike, we can customize an insurance program to meet your specific needs. We want to make sure that you have the very best coverage available. Duncan Financial Group represents 6 insurance companies that write motorcycle coverage, offering highly competitive rates and discount incentives to help you save even more!
We will help you choose the coverage that is right for you and your bike… at a reasonable price.

Call us today to learn more! 724-863-3420

Downtown Irwin Car Cruise – Saturday, April 25

C56 Chevy

The 24th Annual Irwin Car Cruise, one of the best car cruises in the county, takes place on Saturday, April 25th from Noon – 5 PM. Last year, nearly 400 classic and antique cars, trucks, and street rods lined the streets of Downtown as event-goers marveled at the dynamic display! The young and young-at-heart will enjoy a day filled with live music, food vendors, prizes and Syria Shrine clowns and more!

For event photos and additional details, visit http://www.irwinevents.com/Annual-Irwin-Car-Cruise.html

And, if you are looking for classic car coverage, the Insurance Professionals at Duncan Financial Group are here to help! We represent a variety of Collector Car Companies with a broad range of coverage options designed specifically to protect you and what you have invested in your car. We will work with you to tailor an insurance package to meet your specific needs.

Call us today at 724-863-3420 or visit http://duncangrp.com/classic-auto-insurance/.

Holiday Closing

HAPPY-EASTER-1c0skcs

Please note that our office will close at Noon on Friday, April 3, in observance of the Easter holiday. Our office will reopen at 8:30 am on Monday, April 6.

We wish all of our valued clients and their families a wonderful holiday filled with sweet treats and the joy of spring.

As always, we appreciate your business and we’re happy to assist you with any questions.

Duncan Financial Group

 

 

Complimentary Workers’ Compensation Workshops

postcard_resize_DFG_031315_FINAL-1

Almost every business owner is frustrated by how much they pay for Workers’ Compensation insurance. Even after ‘shopping their insurance,’ they realize they are being overcharged, although they do not fully know why. The sad fact is that most employers do not realize that Workers’ Compensation is not really insurance, but a finance tool to pay for injuries to their employees.

By attending one of our upcoming Workers’ Compensation Workshops, David R. Leng, author of “Stop Being Frustrated and Overcharged Year After Year by Your Workers’ Compensation Program”, will serve as your GPS in a journey through a complicated and very expensive world where Workers’ Compensation costs are strangling America’s businesses. Using real life examples of how he has saved businesses over $21 million in excess costs, David’s presentation will show you just how to manage your Workers’ Compensation in a way guaranteed to keep you from getting “Frustrated & Overcharged.”

Workshops are scheduled for the following dates/times:

  • Tuesday, May 12, 2015 – Hyatt Place Pittsburgh, 136 Emeryville Drive, Cranberry Township, PA 16066
  • Wednesday, May 13, 2015 – Courtyard by Marriott, 700 Power Line Drive, Greensburg, PA 15601
  • Thursday, May 14, 2015 – Doubletree by Hilton Hotel, 101 Mall Blvd., Monroeville, PA 15146

To learn more about the workshops, speakers and to register, visit www.workcompworkshop.com.