Auto Insurance Rates

Automobile insurance companies in Georgia are all singing a very similar song, auto coverage is unprofitable! Underwriters have experienced nearly ten (10) years of combined ratios above 100%. (A combined ratio is loss ratio (claims/premiums) inclusive of investment income). The numbers vary slightly form company to company, but all agree that it is an issue. Factors that […]

Flood Insurance Update

The National Flood Insurance Program was a mess already. Then we added Harvey and Irma! See below from the Insurance Journal. White House Proposes NFIP Reforms BY JENNIFER WEBB On Wednesday night, the Trump Administration sent a letter to Congress requesting $12.77 billion in emergency hurricane relief funds and $16 billion for the NFIP. The […]

7.5% Drug-Free Workplace Credits

In Georgia, your Dental Practice can receive a mandated 7.5% credit for simply registering with the State of Georgia as a “Drug-Free Workplace.” This is an easy way to reduce your Workers’ Compensation premium by 7.5%. Here is the link to register. Once you have registered, send the certificate to your insurance agent and they […]

Dentists are at Risk – Cyber / Privacy

Thomas J. Sheehan Insurance recently presented to The Savannah Dental Society regarding Cyber and Privacy Liability. Here is a copy of the document used to guide the discussion. Dental Society Document Here is a complete list of every question needed to provide you with a Cyber and Privacy Liability Quote: What is the gross revenue […]

Rental Car Questions

You have rented a vehicle for a personal* trip. You are pretty excited about your trip, but before you get the keys, the rental agency representative has asked you to make a few decisions regarding add on fees. Typically, fees that are added on can include: Physical Damage Waiver, Liability waiver, pre-paid gas, navigation, toll […]

Day Light Savings Time Ends

On Sunday, November 6, 2016 at 2:00 AM Day Light Savings Time Ends. A few things to remember to do: Turn your clock back 1 hour Change you smoke alarm battery Review your insurance coverages (Link to guide you through process) Consider identity protection

Claims Information

Our office is ready 24/7/365 to assist you with claims questions and processing. Our contact information is at the bottom of this page. Please note that during an active storm and briefly after, response times may be slightly delayed. Do what is needed to protect life and property in the interim. Proactively take an inventory […]

Real Estate Agents – Flood Questions

Real Estate agents are frequently calling our office regarding flood insurance. Sadly, there are no simple answers and each transaction is unique. Call us and we will help you through the process. Here are answers to many of the frequently asked questions we get. What homes need an “Elevation Certificate?” All homes in Chatham County […]