Friday
May102013

Melissa's Menu Features Steve Gilmore from ServiceMaster by Gilmore

As the winner of Brownstone's "I'm Your Chef!" contest, Steve Gilmore, owner of Service Master by Gilmore, got to spend an afternoon with Brownstone Underwriter, Melissa Greene, who is also a chef and host of TV's Melissa's Menu. We received dozens of great recipes and narrowed it down to our 5 favorite and then let our social media fans choose the winner, and Steve's Lobster Casserole took the crown!

Melissa and her crew set up in Steve's kitchen this past week to film the special edition episode of Melissa's Menu. The episode will air in about 3 weeks, but we'll let you know the exact date after it is edited and ready to air.

In the meantime, enjoy these great photos from the day:

Note - the silly balloon animal hats were created by balloon artist extraordinaire and Agent Relations Manager, Alexis Kimball :)

Thursday
May022013

Best Wishes for Don Allan

Many of you have come to know Don Allan, Brownstone's Agent Relations Manager over the past year. During his time with us, Don forged many new friendships and developed strong business partnerships with our local network of brokers. His drive and enthusiasm helped Brownstone flourish over the past year. It is with sincere appreciation and well-wishes that we announce Don has taken a Project Manager position with RebuildEx.

Please join us in congratulating Don and wishing him continued success.

Sincerely,
Wayne Fick and Glenn Montgomery

Tuesday
Mar122013

I'm Your Chef! Contest 

We all love insurance, but we know that's not all you guys do well. And since one of our Program Underwriters has her own cooking show on local cable access (Melissa's Menu), we'd like to know - are there any budding chefs among our network of brokers?

To help everyone beat the winter blues, we're holding a little contest this month. We would like to invite all of our brokers to submit their best recipe to us for a chance to be a guest chef on Melissa's Menu!

Here's how it works:
  1.  Submit your favorite recipe (it can be for anything) by emailing it to ImYourChef@brownstoneinsurance.com by Thursday, March 21st.
  2. Our wonderful Program Underwriters will choose 5 of their favorite recipes on Friday, March 29th.  
  3. We'll then post them all on our Facebook page and let our fans decide the winner.
  4. The votes will be tallied and the winner announced on Monday, April 1st.
The winning recipe will be featured on our blog, our social media outlets and the chef behind the recipe will be invited to appear on an episode of Melissa's Menu to actually make their dish with Melissa!  

 

Appearing on the show is optional for those of you who may be camera shy, in which case Melissa will be happy to create your winning dish herself and to announce the winner on her show. 

 

Brownstone is excited to see what you come up with! Send us your winning recipes today to take part in this fun contest and for your chance at 15-minutes of fame!

Friday
Jan252013

D&O Coverage for Condominium Associations

By: Alexis Kimball, Agent Relations Manager

What is D&O coverage and do you need it on your master condo policy? 

Directors & Officers coverage is not mandatory, unless required under the bylaws, but foregoing this coverage may not be a wise decision. Regardless of the size of your condominium association, if you have people volunteering their time on the board, you have exposure that your general liability insurance may not cover. 

The directors and officers on your condo association board make many important decisions throughout the year that effect your living situation. They use their best judgment in determining how to spend the reserve fund for things like repairs and maintenance. They also maintain and communicate the rules and regulations of the complex. If one of these decisions results in a lawsuit against the board or an individual in the organization, you will want to have insurance.

Standard general liability insurance policies only cover claims for bodily injury or property damage. D&O covers mismanagement of association affairs, failure to maintain adequate reserves and records, and failure to enforce rules and regulations. 

Things to review in your D&O policy:

Who is insured?                                        

Make sure that everyone handling decisions is covered on your policy. This may include: the association, past and present directors, trustees, officers, volunteers, committee members employees and property managers.

How much coverage do you have?  

Defense costs are often limited to the policy limits so make sure you have enough coverage.

Are there any exclusions in coverage? 

It's important to know that your D&O insurance may not cover decisions made regarding the association's insurance policy, contractual and developer liabilities, discrimination and civil rights, or claims may by one board member against another board member.  

To find out more about D&O coverage for your condominium association, ask a professional insurance broker or contact us at sales@brownstoneinsurance.com.

Monday
Dec312012

My CIC Class Experience

By: Don Allan, Agent Relations Manager

A few months ago I was discussing different forms of continuing my education in the insurance industry with my boss. Being fairly new to the business, I had heard through fellow employees and other agents about the CIC designation. I didn't know much about it at the time except that every time those three letters were mentioned it was usually followed by a casual eye roll and a "good luck" sigh as they walked away. But nonetheless I signed up for the Commercial Casualty class at the Salem Waterfront Hotel. Here is my story about my CIC class experience.

I couldn't help but feel that I was biting off more than I could chew considering I am fairly new to the industry and focus solely on the condo market here at Brownstone Insurance. But I found that there are a few perks to attending a CIC course.

My boss would tell you that I was there for the exposure and networking. I would say I was really looking forward to taking as much info out of the course as possible and the 25 CE's for attending are not bad either. Plus, all the coffee, muffins, bagels and cookies you could take down in four days was an added bonus.

I arrived in Salem on Wednesday morning and pulled up to a quaint hotel surrounded by a comfortable amount of restaurants that I could escape to on breaks.

The first introduction was the educational consultant Mike D'Orlando, who gave us a quick briefing on what to expect from the course and the basic rules and regulations which we’d need to follow the next few days. Our first speaker, Bob Ford, was then introduced, and he would spend the next 8 hours with us going over Commercial General Liability.

As Bob took command of the room I felt myself sink down into my seat and prepare for information overload with my highlighter in hand. But Bob had a different approach.

He began with some comical stories and a little interesting history about his background and how he even chose the insurance industry over being a pastor. “What a great concept,” I thought. Bob had found a way to fulfill his dream of being a pastor by preaching insurance at a CIC course.

His combination of power points, illustrations and personal stories made it very easy to follow along, and most of all kept it interesting with his North Dakota accent that he claimed he did not have. I remember having a conversation with a fellow CIC attendant hoping that the next speaker would be just as good.

And without fail Mr. Bruce Thomas did just that. Bruce spent a whole afternoon discussing workers comp, but man did it fly by. He was a local guy from Rhode Island who kind of spoke our language, and he incorporated blasting music into his presentation and loud antics which kept everyone on the edge of their seat. He also added some history into the mix which helped us all understand workers comp and why it exists.

Our last speaker had the longest presentation of all. Kevin Brady took us through Business Auto, Additional Insured coverage, Excess Liability and later finished up with Umbrella Coverage. He went through all of his material without any powerpoints, blasting music or history lessons. His approach was simple -- interrogate and embarrass as many CSR's as he could.

I kid, but his interaction with the room kept you attentive. Plus, Kevin was more of a natural born comic, so nobody was safe and everyone got their fair share of antics from Kevin. 

Overall I left Saturday afternoon with a much different perspective on the CIC designation than I had going into it. Not only did I learn a lot, but I also had a lot of fun while doing it. And best of all, I got to meet people in my industry with the same passion as I have. After all of this, I am looking forward to signing up for the next one.