Archive for newsletter

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.

Homeowners and Lawsuits

It is common for neighbors to disagree. For example, one person might think that their outdoor dog barking at people passing by is an asset for keeping them safer from intruders. However, a neighbor who enjoys peace and quiet would think the dog is a nuisance. Another neighbor might enjoy listening to his or her music at a loud volume, but others who live in the neighborhood will likely find it annoying. Some situations might not be about noise. People who live in neighborhoods with a uniform appearance might hassle a new homeowner who decides to paint his or her house a clashing color. Whether the source of the problem is noise or something else, disagreements between neighbors can escalate into lawsuits. Before this happens, it is important to know what types of provisions a Homeowners policy provides for legal issues.

Many people think that a Homeowners insurance policy covers most types of lawsuits filed against them. For this reason, people are usually not as careful as they should be about preventing them. For example, consider a new homeowner who moves into a subdivision, replaces the existing fence with higher boards and paints them contrasting colors. If the subdivision has rules about the permissible colors and acceptable maximum height of fences, they will try to get the new homeowner to comply. Homeowners who refuse might find themselves facing a lawsuit for violating the subdivision’s code. The courts will likely favor the subdivision’s rules, and a Homeowners policy will not provide coverage for the legal battle. Therefore, it is important to understand exactly what legal issues are covered under the policy.

Loud noises, eyesores and changes are all issues that do not physically harm another person. Although they might be annoying, they are not issues that would be covered by a Homeowners policy if they escalate into a lawsuit. Always remember that a Homeowners policy offers protection for two types of liabilities: Property damage and bodily injury. If the family dog bites someone on the property, a guest falls off a broken step, or one of the kids breaks a visitor’s car window, a Homeowners policy covers such issues.

Since coverage is limited to two types of physical damage, it is important to work as hard as possible to settle disputes with neighbors. For example, if neighbors complain about a barking dog, it might be best to enroll the dog in training or purchase a no-bark citronella collar. Trim overgrown shrubs or trees that neighbors complain about. Many people get angry and frustrated when a neighbor makes accusations or complains. Anger is usually what causes people to be stubborn and refuse to compromise. Always listen to what neighbors have to say, and try to understand the situation from their perspective. Use common sense to arrive at a solution that is favorable to both parties. However, the best way to avoid anger and confrontation is to fix possible nuisances before neighbors complain. For additional information about avoiding problems and lawsuits with neighbors, discuss the issues with one of our agents.

Contact us today!
Duncan Financial Group
888-383-3420
311 Main Street Irwin, PA

REDUCE PREMIUMS? REDUCE RISK — LOSS CONTROL STRATEGIES

Business Protection BulletinBusiness owners know an injury to an employee or severe property damage destroys productivity; so all losses should be avoided or reduced. So why do insurance loss control representatives’ visits and the ensuing safety recommendations bother business owners so frequently? Is it a nuisance? Is it the money to implement loss control strategies? Insurance companies understand that the frequency of claims, that is the number of claims, predicts risk levels much more accurately than does the severity of claims.

For small business, as defined as those that cannot afford an in-house full time safety officer, the insurance company loss control representative acts in that capacity to review the overall loss control picture. Use this service to your advantage. The insurance company wants to reduce risk as much as you do. Of course, the company is less concerned about the budget to do so when you’re fulfilling their recommendations. So, what can you do about costly compliance measures? Ask the loss control representative for help. These professionals are in the field all the time and see many solutions to the same problems. They will have some cost effective ideas.

Manufacturers and contractors are familiar with equipment safety devices, such as guards on saw blades or operator cages. Ergonomics has become a popular form of loss control that ties into safety devices. Differing control knobs, placement of controls and sight lines improve operator efficiency and eliminate unsafe habits.

Environmental controls, for example ventilation and lighting, reduce worker fatigue, unhealthy air quality, and poor visibility. Injuries decrease in frequency as a result.

Proper protective gear might seem a bit old school, but goggles, gloves, hard hats, protective clothing, and even proper work clothing can help to reduce claims.

Installing guards and providing equipment protection is half the battle. Safety must be taught to employees at all levels for an effective loss reduction program. New and old measures should be embraced by management and implemented correctly.

Insurance loss control departments are a good source for safety lesson plans, posters, or even direct employee meetings to teach and discuss safety issues.

Loss control strategies eliminate or reduce risks. Prevention, avoidance, transfer, and separation are examples of viable strategies.

Come in to Duncan Financial Group in Irwin, Pennsylvania and see what we are all about.