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Expect the Unexpected

It’s all to easy to lose or damage things that matter to you. Accidents are bound to happen and it’s your responsibility to be prepared for those situations. But how? Learn how to best protect you and your things from Duncan Financial Group. Just a quick call to (724) 863-3420 can be the difference between disaster and a happy ending.

The Best Management Is Time Management

Here is a unique take on how to help better manage your time for those who like to have that little visual reminder right in front of them.

You Can Go Your Own Way

Technology is a one of the greatest time savers, but trusting it blindly is dangerous. A 67-year-old woman drove 900 miles over the course of two days because of a GPS error. Her actual destination was only 90 miles away. She wanted to pick up a friend at the train station in Brussels, just 93 miles north from her point of origin. But instead, she turned on her GPS, which told her to drive south, taking her turn by turn all the way down to Zagreb, Croatia. Instead of a couple of hours in the car, she spent a couple of days to cover the 900 miles that separates both points in Europe. During her long journey, she stopped several times to get gas, slept for a few hours on the side of the road, and even was involved in a minor car accident.

She was quoted as saying, ‘I was distracted, so I kept driving. I saw all kinds of traffic signs, first in French, then German and finally in Croatian, but I kept driving. Suddenly I arrived in Zagreb and I realized I wasn’t in Belgium anymore.” As funny as this may seem, there was one person who was not laughing.  After a day, her son alerted the police, who started a  search to find her.

It’s all to easy to lose your way, especially when it comes to matters like your insurance. Let us here at Duncan Financial Group help you stay on the right path by getting you the policies that best serves your needs. Please give us a call today at 724-863-3420  and see what it’s like to experience the Duncan difference.

A Holiday Treat

Looking for the perfect holiday treat to share with your friends and family, well here is a quick and easy idea that will put a smile on anyone’s face.

Recipe for Popcorn Snowmen


15 cups popped popcorn
1 stick of butter or margarine
Two 10 oz. packages marshmallows
1/4 cup confectioner’s sugar
Pretzel sticks
Candy corn
Mini jawbreakers
Gumdrops or red hots
Fruit leather

Step 1: Put the popcorn in your largest mixing bowl and set aside. Melt the butter or margarine in a nonstick saucepan over medium-low heat. Add all the marshmallows to the pan, stirring continually with a wooden spoon until they’re completely melted. Pour the mixture over the popcorn and stir to coat evenly. As soon as the marshmallow is cool enough to touch, rub a little butter or margarine in your hands and make popcorn balls (about 1 cup of popcorn per ball).

Step 2: Build and decorate your snowmen on sheets of waxed paper. For each one, stack three popcorn balls atop each other. Push pretzel-stick arms into the sides of the middle popcorn ball. Add raisins for eyes and a candy corn for a nose. Arrange a row of mini jawbreakers into a broad grin. For buttons on the snowman’s chest, use gumdrops or red hots.

Step 3: If your popcorn balls aren’t sticky enough to hold the decorations, mix up a small batch of stiff white icing by adding water, a few drops at a time, to 1/4 cup confectioners’ sugar and stirring until smooth. Use this to glue the candy in place. For snowmen’s scarves, cut rectangles out of fruit leather and fringe the ends.

*Makes 5 snowmen.

Be creative and let your imagination go wild. There’s a never ending combination of things you can add to your snowman to make them unique. Not only do you get delicious treats, but the opportunity for a fun activity to spend time with your loved ones, and isn’t that what the holidays are all about?

Happy Holidays

Insurance Companies Pay Out Big for Dog Bites

Duncan Financial GroupInsurance companies shelled out $479 million to pay for dog bites last year, up from $413 million in 2010.

One company alone, State Farm, paid more than $109 million in Homeowner claims related to bites. California – which has more people and dogs than any other state – led the nation with 527 State Farm claims costing more than $20 million, followed by Illinois, Texas, and Ohio. The nationwide average claim was $28,800.

Dogs bite some 4.7 million Americans a year, nearly half of them children, Nearly 400,000 of these bites require medical treatment – and an average of 16 result in death.

Children age 5 to 9 are the group most likely to be bitten. The ASPCA predicts that one of every two children in the U.S. will suffer a dog bite before he or she turns 12, in most cases by their own dog or a pooch owned by a friend or neighbor. Seniors are the next most vulnerable group, followed by mail carriers. Dogs bit some 5,600 USPS carriers in each of each of the past two years, costing the Postal Service more than $1 million worth of medical bills in 2011.

Heredity, socialization, training, physical condition, and activities of humans can all affect the animal’s propensity to bite. Because children are by far the group most vulnerable to dog bites (a child is 900 times more likely to be attacked than a letter carrier) the ASPCA recommends that youngsters should never:

  • Maintain eye contact with a dog
  • Go near a chained canine
  • Approach or touch a dog who is eating, sleeping, or off-leash
  • Scream or run if an off-leash dog approaches
  • Pet a dog without asking its caregiver for permission (it’s wise to have the animal sniff your closed hand first – many dogs perceive an open hand as threatening)
  • Approach a dog from above its eye level
For more information on protecting yourself and others from possible liability, contact Duncan Financial Group and ask about reviewing your Homeowners Policy or getting Umbrella Coverage to cover the possibility of dog bites–even if they are accidental!

Teen Drinking = Insurance Issues

Duncan Financial GroupSummertime is no school time for teenagers and parents taking vacation, leaving their children unsupervised. Unfortunately, these events often become occasions for teens to drink alcohol. Teens at unsupervised parties risk harming themselves and others when they drink. Parents who host these parties might bear responsibility for what happens there and for injuries or damages occurring after the guests leave. Although their Liability insurance might cover any financial damages, the circumstances of the accident determine which policy will respond, and this will affect how much coverage the parents have.

Assume that a guest consumes several beers at the party, drives off in his car, and gets into an accident, injuring himself and a passenger. The parents of both injured teens sue the parents who hosted the party, who in turn notify their Homeowners insurance company. However, the policy’s personal liability coverage does not apply to an insured person’s legal liability for:

  • The occupancy, operation, or use of a motor vehicle by any person
  • The entrustment of a motor vehicle by the insured person to anyone else
  • The insured person’s failure to supervise or negligent supervision of any person using a motor vehicle
  • The actions of a minor involving a motor vehicle.

Because of this, the Homeowners policy will not cover the parents’ liability or defense costs. Their Personal Auto insurance policy might cover them, however. The policy’s liability insurance covers the individuals named on the policy and household residents who are their relatives for their liability for bodily injury from an accident arising out of the use of any auto. Therefore, even though the parents were not actually operating the vehicle involved in the accident, their policy will cover their liability. In addition, the auto policy that applies to the car involved in the accident (the guest’s insurance, or, more likely, his parents’) will also cover the hosts’ liability for the passenger’s injuries. The hosts’ policy will step in if the owners’ policy either does not apply or pays out its maximum limit of insurance.

Now assume that the guest consumes the beer, but a sober guest gives him a ride home. Rather than go straight to bed, the young man goes for a swim in his parents’ pool and drowns. His parents sue the hosts, alleging that his judgment was impaired because the hosts allowed him to drink. In this situation, the homeowner’s policy should pay for the hosts’ liability and legal defense. Because this accident did not involve a motor vehicle, and no other policy provisions that would remove coverage apply, the policy will cover this claim.

Although one policy or the other might apply to a liquor liability claim, there could be significant differences between the amounts of coverage the two policies provide. Most homeowner’s policies provide personal liability coverage of at least $100,000 for each occurrence; many provide limits of $300,000 or $500,000. Auto policies might provide much less coverage. Most states have laws setting the minimum amounts of liability coverage that an auto policy might provide, but those limits are relatively small. For example, New York law requires minimum limits of $25,000 for injuries to one person and $50,000 for injuries to two or more people (higher amounts apply for death claims.) Should a young person become seriously injured or killed, the damages claimed could well exceed these amounts. Parents should consider buying as much liability insurance as they can afford; they should also think about buying an umbrella policy, which pays for damages that surpass the amounts payable under homeowner’s and auto policies.

Of course, the best course of action is to properly supervise parties, so that everyone has a good time and lives to have another one someday.

For more information on y0ur Auto or Homeowners Policy, contact Duncan Financial Group today!

See What Our Happy Customers Said About Duncan

Duncan Financial GroupDuncan Financial has been around since 1978, and in those 34 years we have helped many people! Please visit our page to see what some of our Happy Customers have had to say about us!



Edward K.  Irwin,  PA
I have known the Duncan family for many years. They are honest, hard working, helpful, and they give me the best products to fit my needs.  You might be able to find a company that might save you a few dollars on your insurance but will they be there for you when it counts. Or tell you they will get you a large return on you investments.  The proof of a good reliable company is in their past history. Duncan Financial has done that for me.



Janice S.  New Stanton,  PA
The insurance team is always available, prepared, and professional and friendly



Duncan Financial Group is well respected in the community and Mary Rodman has been instrumental in maintaining an open understanding  with my insurance needs. Thank you, Mary, for wonderful service!


Happy Independence Day from Duncan Financial!

Happy Independence Day from Duncan Financial!

Duncan Financial

Why Do You Need a Business Owners Package?

Duncan FinancialLike general property insurance coverage, the property portion of the BOP offers name perils or all-risk coverage. Some policies will even include other types of property-related insurance such as extra expense policies as part of the package. The liability portion of a BOP is structured quite similarly to a stand-alone Commercial General Liability (CGL) policy.

The primary difference: A BOP gives you much less flexibility in determining your coverage limits for particular claims. It’s important, however, to note that a BOP does not include professional liability insurance, which protects you from losses or expenses resulting from claims of errors or omissions or negligence in your business. Business interruption insurance is generally included in a BOP. Business interruption insurance covers lost income and expenses incurred when a company suffers disaster-related damage. Operating expenses that continue to roll in even if business is suspended, such as payroll, are also covered.

BOPs typically provide reimbursement for up to a year of lost revenue resulting from an insured property loss.

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Contact Duncan Financial Group in Irwin, Pennsylvania at 724-863-3420. Speak with one of our experienced advisors and learn how we can help you choose the best policy for your best interest.