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Sovereign Risk Solutions Supports Bullock Hope House 6th Annual Golf Fore Hope

September 6, 2017 by Sovereign Risk Solutions · Leave a Comment

Gold Fore Hope event group

Sovereign Risk Solutions is pleased to have been a Silver Sponsor of the Bullock Hope House 6th Annual Golf Fore Hope held at Brookstone Golf & Country Club. The event was well attended with over 100 participants and raised over $ 26,000 for the operating fund of the Bullock Hope House.

Sovereign Founder John Varner commented “It’s a great feeling to help those that are helping others. Connie has done an amazing job helping families in need for a long time. We are proud to support her mission.” Sovereign’s team had the day’s low round and was awarded the events Championship Trophy, a perfect conclusion to a perfect day.

 

 

 

 

Filed Under: News ·

Hurricane Safety Tips For Motor Carriers and Drivers

September 5, 2017 by Sovereign Risk Solutions · Leave a Comment

 

driving in rainy conditions

Commercial motor vehicle operations that could be affected by the storm should review the following important precautions that can be used to help avoid losses associated with adverse weather:

  • Make sure your drivers are well-rested and alert before getting behind the wheel.
  • Have drivers complete pre-trip vehicle inspections as prescribed by federal regulations, paying particular attention to tires, windshield wipers and headlights. Advise drivers to check weather conditions prior to departing to determine where the bad weather has struck and where it’s headed. The latest updates on the storm’s progress are available at
  • Advise drivers to check weather conditions prior to departing to determine where the bad weather has struck and where it’s headed. The latest updates on the storm’s progress are available at weather.com. Conditions should then be confirmed every hour or two as they can change rapidly, and tornadoes and flash-flooding can occur suddenly.
  • Urge drivers to allow extra time to reach their destination and have an alternate route plan in place before leaving so they’re better prepared in the event conditions require using it. State Highway Patrol and Department of Transportation websites provide up-to the minute information on traffic, road closures and detours.
  • Establish a communication system that requires scheduled contact times with your drivers so they can be updated on conditions. Adhere to your electronic device usage policy so drivers are not using cell phones while operating the vehicle.
  • Advise drivers to heed signs warning of flooded streets and pay attention to barricades. If they come upon a flooded street, they should take an alternate route. The water can be far deeper, with swifter currents, than it may appear. Roads covered in water are also prone to collapse and downed power lines may be hidden from view.
  • Caution drivers that commercial vehicles, because of their height and size, are far more likely to be affected by high winds than other vehicles. During strong winds, drivers should slow down or pull over to a safe area, away from trees, power lines or other tall objects that could fall onto their vehicle, until dangers have subsided. Additionally, drivers should watch for objects that could potentially blow into the roadway.
  • If your company is located in the storm’s path, move any vehicles that are not going to be in service to higher ground. Flooding is the greatest cause of storm damage.
  • If your company has been contracted to assist in storm evacuations, be aware of the issues of driver fatigue, vehicle maintenance, storing vehicles, and managing hurricane evacuation traffic congestion.
  • Importantly, remind drivers that they should keep headlights on to improve visibility; avoid sudden braking that could send their vehicle into a skid; avoid driving into standing water: add more space around their vehicle to allow sufficient time to slow down or stop on wet, slick road surfaces; and SLOW DOWN to increase traction and control.

 

Filed Under: News ·

Hurricane Harvey

September 5, 2017 by John Varner · Leave a Comment

Hurricane Harvey Prayers

As the Founder of Sovereign Risk Solutions and a 30+ year veteran of the insurance business, I am reaching out to you in this most incredible time of tragedy to let you know you have a strong friend and advocate in our company. Texas and Louisiana have been affected by many natural disasters over the past century, and Hurricane Harvey will certainly go down in the history books as one of the worst. We can only imagine the horrors and concerns facing each of you, your employees, their families, and those relying on your company for their imperative medical transportation. Our entire team will be lifting prayers for all affected, and stand ready to assist in any way possible. Please do not hesitate to reach out to one of our team members or me directly. We are here for you. TEXAS STRONG!

John Varner, AAI, ARM, CPCU
Sovereign Risk Solutions, LLC
Governor’s Ridge, Building 28
1640 Powers Ferry Road SE
Marietta, Georgia 30067
678-996-3403 Direct

Filed Under: News ·

Repost: Smoothing a rough road: Understand the drivers of commercial auto insurance costs

August 18, 2017 by PropertyCasualty360.com · Leave a Comment

This article was originally published on PropertyCasualty360.com.

The road is rough and potentially worse ahead.

Commercial auto premiums increased 2.65% in April over the same period in 2016, according to the IVANS Index. Making matters worse, auto loss costs increased a cumulative 20% between 2012 and 2015, according to the Insurance Services Office.

Risk managers, agents and brokers struggling to control soaring commercial auto insurance costs would do well to understand the factors behind this surge and what they can do to better manage exposure and expenses.

Drivers of poor performance

Six factors fuel the deteriorating performance of the commercial auto line:

  • More traffic – The number of miles driven is at an all-time high, growing 3.3% year-over-year in the first half of 2016, according to the Federal Highway Administration. More vehicles mean more crashes.
  • Distracted drivers – One-quarter of all crashes involve drivers talking or texting on cell phones, according to the National Safety Council.
  • Growing medical costs – Medical inflation is soaring 1.5 times faster than general inflation, according to the Bureau of Labor Statistics.
  • More accidents and more expensive crashes – Both the frequency and severity of accidents are increasing.
  • Inexperienced drivers – There is a shortage of skilled commercial drivers with good driving records, leading to more accidents and compelling some companies to lower standards for their employees who drive.
  • Rising auto repair costs – Record U.S. auto sales mean the roads are full of newer cars that are more expensive to repair. A recent Liberty Mutual study found the cost to repair minor front-end damage to a 2016 entry-level sedan was nearly twice as expensive as fixing the same 2014 model, due largely to more sensors and other new technology.

Smoothing the road

Risk managers, however, don’t have to sit back and accept poor commercial auto performance. Far from it. Partnering with their agents, brokers and insurers, they can take nine specific steps to better manage the line:

  • Implement a fleet safety program – Anything measured can be managed. So understand what’s causing accidents, set goals for improving performance and develop a detailed plan for managing fleet safety. Regularly highlight the plan for all employees.
  • Enforce company policy on vehicle use – Clearly define who can use a company vehicle and create a process for approving who can drive their personal car on company business. The use of personal vehicles for company business can open the employer to potential exposure for any resulting accidents or damages and needs to be carefully managed.
  • Hire qualified drivers – Professional drivers are a company’s first line of defense against accidents. A resurgent economy can limit their supply, but lowering hiring standards may have significant safety implications.
  • Consider a company fleet – Minimize the potential exposure of employees using their personal vehicles for company business. Conduct a cost/benefit analysis – based on a full understanding of this exposure – to decide whether a company fleet makes sense.
  • Train drivers – Go beyond making sure drivers understand the company’s equipment and driver management program. Be sure they get the company’s total commitment to safety and its central role as a core corporate strategy never to be compromised.
  • Regularly check driving records – Checking driver records is not a one-and-done process.  Like all important workflows, it is a constant. So set a schedule for checking the driving records of professional drivers, and those employees who regularly use their personal vehicle for company business.
  • Use telematics – Many fleets work with telematics vendors to help manage fuel, delivery routes and maintenance. However, these systems can also play a key role in tracking and improving driver performance.
  • Review all crashes– Unfortunately, accidents happen, even to good drivers and companies fully committed to safety. Those companies with the safest fleets learn from these events. Companies should provide drivers with accident kits that help collect key information immediately following an accident. This information can help defend against potential litigation and improve future driver performance.
  • Explore increasing primary Auto coverage limits – The boundary between primary and excess commercial auto policies has remained relatively constant over the past two decades, at $1 million. During that time, growing medical, legal and repair costs have eroded the protection provided by that limit. Today’s $1 million is insufficient protection. Commercial auto buyers can work with their agents, brokers and insurers to identify the benefits of increasing that primary limit and attaching to the excess policy at a higher level.

The challenges with the commercial auto line are clear. So too is the route to better managing that line to protect employees, the public and a company’s bottom line.

This article was originally published on PropertyCasualty360.com.

Filed Under: General, News, Transportation ·

Rental Car Insurance Considerations

July 25, 2017 by Sovereign Risk Solutions · Leave a Comment

sovereign risk solutions auto insurance rental liability blog

It’s summer time and many of us have plans to head out of town. Many of our clients ask us “Should I get the insurance offered by the rental car company?”.  It’s a great question and there are several things to consider.  In short, you are covered when driving a rental car by your personal policy at the same level of coverage as your personal auto policy. If you have full coverage on your personal policy, your out of pocket in the event of an accident would be the deductible you carry for Collision or Comprehensive protection.  If you have liability only coverage or don’t have your own personal auto policy, you are inadequately protected and should always buy the rental car coverage. Even if you have a strong personal auto policy with full coverage, there are many reasons to consider purchasing the rental company’s insurance:

 

  1. If you have an at-fault accident or something happens to the car. With the rental company’s insurance, you can drop off the car and leave with minimal hassle. If you don’t have their insurance, you will be required to fill out a myriad of forms and have your insurance information verified before you can go anywhere. This can take some time, which is a hassle, especially if you have a plane to catch or simple just ready to get on your way.

 

  1. If you use their insurance, any damages or accident claims go under THEIR insurance policy, therefore it will NOT count against your insurance record. This can save you hundreds, if not thousands, of dollars in future premiums.

 

  1. If the car is damaged and the rental car company is not able to rent the vehicle out again until it is repaired, it’s likely the rental company will bill you directly for the income lost from the car being out of service. This expense is typically not covered by your personal auto policy, causing you headaches and expense.

 

  1. Are you traveling outside of the country? If so, your personal auto policy, nor credit card coverage, is unlikely to extend any protection. Purchasing the rental company’s policy may not only be mandatory, but also removes the issue of unknowingly being uninsured.

 

  1. If you have an AMEX card, you should review their protection or call them to affirm. Depending on which version of card you carry with them, they may automatically cover the property damage when using their card to rent the vehicle.

 

Buying insurance through the rental car company generally runs between $5-$12/day depending on the state and rental company.  When renting a vehicle for several days, the costs can really add up for the coverage.  This can make your decision to purchase coverage more difficult. To ensure the best choice for your individual situation, talk to your credit card company and your insurance agent for advice, and weigh the options and benefits.

Filed Under: News · Tagged: Personal Lines, PROTECTION, Rental Car Insurance, Sovereign Risk Solutions

Repost: Top 10 states for boat and other watercraft accidents & thefts

June 22, 2017 by Sovereign Risk Solutions · Leave a Comment

This article was originally published on PropertyCasualty360.com.

A day on the water can be full of adventure, bonding with family and friends and just plain fun.

Far too often, however, recreational watercraft outings turn tragic. Insurance coverage is a smart idea to protect boats against physical damage from accidents, as well as theft. Make sure your insurance clients are covered for all their boating adventures.

Recreational boating continues to grow in popularity and risk. In 2015, there were 11.9 million registered recreational watercraft in the United States, up from 11.8 million in 2014, according to the Insurance Information Institute.

Costly boating accidents

Sadly, there are thousands of recreational boating accidents per year. Contributing factors to these accidents include traveling too fast for water or weather conditions, driving under the influence of drugs or alcohol, failing to follow boating rules and regulations, carelessness and inexperience.

A recreational boating accident must be reported to the U.S. Coast Guard if:

a person dies or is injured and requires medical treatment beyond first aid;
if damage to the boat or other property exceeds $2,000;
if the boat is lost or if a person disappears from the boat.
Alcohol, drugs and boating don’t mix

The U.S. Coast Guard says that alcohol, combined with typical conditions such as motion, vibration, engine noise, sun, wind and spray can impair a person’s abilities much faster than alcohol consumption on land. Operators with a blood alcohol concentration (BAC) above 0.10% are estimated to be more than 10 times more likely to be killed in an accident than operators with zero BAC.

According to the I.I.I., alcohol was a contributing factor in 306 recreational watercraft accidents in 2015 (7.4% of all accidents), accounting for 122 deaths (19.5% of all deaths) and 258 injuries (9.9% of all injuries). Other primary contributing factors were operator inattention, resulting in 58 deaths; and operator inexperience, accounting for 37 deaths.

Additional key findings about boating accidents, include the following:

6% of fatal boating accident victims died by drowning in 2015, and of those, 85% were not wearing life jackets.
The most common types of watercraft involved in reported accidents in 2015 were open motorboats (45%), personal watercraft, like Jet Skis and WaveRunners (19%) and cabin motorboats (17%).
beached boat

Top 10 states for recreational watercraft accidents (2015)

Following are the top 10 states for recreational watercraft accidents in 2015. These numbers from the I.I.I., using data from the U.S. Department of Transportation and the U.S. Coast Guard, include accidents involving $2,000 or more in property damage and include watercraft such as motorboats, sail boats and other vessels, such as Jet Skis:

10. Tennessee

No. of accidents: 107.

Property damage: $493,000.

People injured: 65.

Deaths: 13.

9. Missouri

No. of accidents: 109.

Property damage: $817,000.

People injured: 70.

Deaths: 17.

8. New Jersey

No. of accidents: 122.

Property damage: $134,000.

People injured: 64.

Deaths: 8.

7. South Carolina

No. of accidents: 123.

Property damage: $958,000.

People injured: 80.

Deaths: 17.

6. Maryland

No. of accidents: 146.

Property damage: $1,074,000.

People injured: 125.

Deaths: 21.

5. Texas

No. of accidents: 154.

Property damage: $792,000.

People injured: 105.

Deaths: 44.

4. North Carolina

No. of accidents: 162.

Property damage: $1,492,000.

People injured: 90.

Deaths: 20.

3. New York

No. of accidents: 174.

Property damage: $1,120,000.

People injured: 96.

Deaths: 16.

2. California

No. of accidents: 369.

Property damage: $3,101,000.

People injured: 227.

Deaths: 48.

1. Florida

No. of accidents: 671.

Property damage: $9,770,000.

People injured: 390.

Deaths: 52.

Top 10 states for watercraft theft (2015)

There were 5,031 watercraft thefts in the U.S. in 2015, down 3% from 2014, according to an analysis of federal government data by the National Insurance Crime Bureau.

Of these watercraft thefts, 2,114, or 42%, were recovered by May 15, 2016. Personal watercraft (Jet Skis, WaveRunners, etc.) were the most frequently stolen watercraft, with 1,108 thefts, followed by runabouts (678), utility boats (278), cruisers (181) and sailboats (52).

July saw the highest number of reported thefts (612), and February had the fewest (251).

Here are the top 10 states for watercraft thefts in 2015:

10. Tennessee

Thefts: 119.

9. Louisiana

Thefts: 137.

8. South Carolina

Thefts: 154.

7. Georgia

Thefts: 170.

6. Alabama

Thefts: 171.

5. Washington

Thefts: 173.

4. North Carolina

Thefts: 192.

3. Texas

Thefts: 399.

2. California

Thefts: 528.

1. Florida

Thefts: 1,205.

Filed Under: News · Tagged: boating, insurance, liability, money, news, repost, watercraft insurance

Repost: You just got a moving violation ticket. Now what?

June 14, 2017 by PropertyCasualty360.com · Leave a Comment

A moving violation ticket will leave a bitter taste in any driver’s mouth.

They will spike a driver’s auto insurance premium, and many come with hefty financial penalties. But depending on the violation or which state the driver is located, it could be an extremely burdensome on a driver’s wallet.

For the fourth consecutive year, insuranceQuotes commissioned a Quadrant Information Services study that found car insurance premiums can climb by as much as 96% after a single moving violation on average nationwide.

The study analyzed the average national premium increase for one moving violation in 21 different categories, including careless driving, reckless driving, driving under the influence and speeding. As in years past, the study found the economic impact on one’s insurance premium varies significantly among different types of violations and among different states.

Here are some of the study’s key findings along with some advice on what you can do after a moving violation to keep your rates as low as possible:

sovereign risk solutions

highest rate increases over the last four years while speeding 1-15 miles per hour over the limit produce the lowest rate increase. (Photo: insuranceQuotes)

Your premium increase will depend on the specific violation.

Take, for instance, the difference between reckless and careless driving.

According to Robert Nevo, a former Georgia police officer and current owner of Nevo Driving Academy, careless driving is usually defined as “a minor lapse in judgment,” such as following too closely to the vehicle in front of you. Reckless driving, however, concerns more “intentional acts,” such as driving in a way that shows no regard for the safety of others.

“Moving violations are typically weighted with a point system. This makes an excessive speeding violation much more severe than, say, a broken taillight violation,” said Nevo. “Insurance companies often see more points against a driver’s license as an increased risk. Therefore, you’re going to see higher premiums for that driver.”


Your premium increase could be expensive.

Whether it’s a minor or major offense, your wallet will feel the toll.

According to the National Association of Insurance Commissioners (NAIC), the average annual U.S. auto insurance premium is $866. That means an 88% premium spike for one reckless driving offense will result in an increase of just more than $750 per year.

Even relatively “minor” infractions, such as following too close or not yielding to a pedestrian, can mean paying an average of $260 more per year for car insurance. Driving under the influence carries an expensive insurance penalty, with a single infraction resulting in an average premium spike of $1,086.

Related: Are we safe drivers? Apparently not…

It all depends on the state.

The impact on your auto insurance premium largely depends on where you live.

For instance, a first-time DUI conviction in North Carolina will result in an average premium increase of 298% (in Hawaii it’s 209%, 187% in California, and 165% in Michigan). Meanwhile, the same violation in Maryland will only result in an average premium increase of 21%.

Perhaps the starkest difference can be seen in a violation for failure to wear a seatbelt.

In North Carolina, just one ticket for this infraction will result in an average premium increase of 27% (22% in Oregon and 20% in Utah). Meanwhile, in 32 states this particular violation moves the premium needle by less than 5%, including seven states where it has no impact on the premium price at all.

Saving money
While a moving violating will affect your premium, there are options drivers can discuss with insurance agents to save money. (Photo: Shutterstock)

You can still save money.

While your premium will be impacted for quite some time, the moving violation will eventually be erased from your driving record. How long you’ll feel the increased premium’s impact depends on the severity of the violation as well as the individual state laws. Here are some tips for the bumpy times ahead.

Seek forgiveness: If this your first moving violation, especially a minor one such as a failure to signal, talk to your auto insurer. They’re typically going to be somewhat forgiving for a small infraction. Take advantage of any driving classes your state might be offering to remove one or two moving violations from your record.

Make a deal: If your violation isn’t too severe, look for a plea bargain when your day at traffic court is due.

Shop around: Shopping for a new car insurance policy after receiving a traffic moving violation may also be a good idea, though it’s unlikely you’ll be able to hide the violation altogether.

Wait it out: Eventually, your driving record will go back to its original clean slate, but that could take anywhere between three to five years.

This article originally appeared on PropertyCasualty360.com.

Filed Under: News · Tagged: car insurance, moving accident, moving violation, Sovereign Risk Solutions

What keeps you awake at night?

May 12, 2017 by Sovereign Risk Solutions · Leave a Comment

Sovereign Risk Solutions blogIf you’re a parent more than likely you’re thinking about the kids, their health, the struggles with math, why the daughter’s newest BFF has stopped being a BFF, the terrifying thought your eldest is now eligible for a driver’s license, and on and on and on. Of course there are always the constant concerns about the family budget, the need for a new car and the “I can’t believe we need a new roof” type expenses that pop up out of nowhere.

Even as our day ends and the daily grind comes to a close, none of us single or married, parent or grandparent ever truly escapes the everyday issues and yes, fears that seem to attach themselves to every one of us to a greater or lesser degree.

Navigating a career in the insurance business for 45 plus years has developed a sixth sense in me which adds to my and our fine young staff’s “awake at night” burden. You see, each client for whom we undertake the responsibility of protecting from catastrophic economic harm becomes a part of our family. As the protectors of our family we worry, we challenge ourselves and we dissect the minutia of exposures which represent the risks our client family faces every day. It’s not a perception but rather the reality of our client family that drives me and the folks who work with me at Sovereign to present to you the options needed to protect yourself and your business from the fates which plague every family and every business every day.

Perhaps by us keeping watch and staying awake at night, we can lessen the load and allow you to get a little bit of worry free sleep…except for the driver’s license thing of course!

Filed Under: News · Tagged: Family Protection, insurance, Sovereign Risk Solutions

Department Of Labor’s Final Rule Changing The Salary Basis Requirements Released Today

May 18, 2016 by Sovereign Risk Solutions · Leave a Comment

Begin Preparing For December 1, 2016 Effective Date

unnamedThe Department of Labor will be releasing the much anticipated final rule implementing its changes to the salary basis for the Fair Labor Standard Act’s White Collar Exemptions today.  In a press release issued yesterday night, the Department of Labor outlined the key changes contained in the final rule, which are set to become effective on December 1, 2016. 

The minimum salary payment for the executive, administrative and professional exemptions essentially will be doubled, from the current rate of a minimum of $455 per week ($23,660 per year), up to $913 per week ($47,476 per year).  Employers will be able to use nondiscretionary bonuses and incentive payments (including commissions) to satisfy up to ten percent of the required salary level, so long as these payments are made at least quarterly. 

The final rule also adopt a standard that updates the minimum salary for the white collar exemptions every three years, with the salary to be increased so that it is “equal to the 40th percentile of weekly earnings for full-time salaried workers in the lowest-wage Census Region” (which currently is the south). 

Finally, the final rule increased the minimum salary to qualify for the “highly compensated employee exemption” from its current level ($100,000) up to $134,004.00. 

Although the final rule has not yet been published, the Department of Labor has released a chart showing the differences between the current rule, the proposed rule, and the final rule (as it will be published today).  We have copied that chart below for your convenience.   

The final rule may be subject to congressional challenges, however, we strongly encourage our clients to begin the process of reviewing all of their salaried exempt positions to determine what changes may need to be made to be compliant with the final rule.  This can include changing the status of current salaried exempt employees, or increasing their pay to ensure that they remain properly classified.

 

Current

Proposed

Final

Salary Level

$455 weekly

$970 weekly (if finalized as proposed)

40th percentile of full-time salaried workers nationally.

$913 weekly

40th percentile of full-time salaried workers in the lowest-wage Census region (currently the South)

HCE Total Annual Compensation Level $100,000 annually $122,148

90th percentile of full-time salaried workers nationally

$134,004

90th percentile of full-time salaried workers nationally

Automatic Adjusting None Annually, with requests for comment on a CPI or percentile basis Every 3 years, maintaining the standard salary level at the 40th percentile of full-time salaried workers in the lowest-wage Census region, and the HCE total annual compensation level at the 90th percentile of full-time salaried workers nationally.
Bonuses No provision to count nondiscretionary bonuses and commissions toward the standard salary level Request for comment on counting nondiscretionary bonuses and commissions toward standard salary level Up to 10% of standard salary level can come from non-discretionary bonuses, incentive payments, and commissions, paid at least quarterly.
Standard Duties Test See WHD Fact Sheet #17A for a description of EAP duties. No specific changes proposed to the standard duties test. Request for comment on whether the duties tests are working as intended. No changes to the standard duties test.

Filed Under: News ·

7 Things to do to Prepare for Hurricane Season

May 16, 2016 by Sovereign Risk Solutions · Leave a Comment

Even areas well away from the coastline can be threatened by dangerous flooding, destructive winds and tornadoes

Hurricane Preparedness Week, May 15-21, is a perfect time to start thinking about how to prepare for a potential land-falling tropical storm or hurricane.

On average, 12 tropical storms, six of which become hurricanes form over the Atlantic Ocean, Caribbean Sea or Gulf of Mexico during the hurricane season which runs from June 1 to Nov. 30 each year, according to the National Weather Service. In the Central Pacific Ocean, an average of three tropical storms, two of which become hurricanes form or move over the area. [Read more…]

Filed Under: News ·

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