13 Tips for handling Auto insurance when going through a divorce

affection board broken broken hearted

Photo by Pixabay on Pexels.com

Going through a divorce can be a stressful time. Figuring out how that impacts your auto insurance can be confusing. These quick tips may help guide and clarify.

  1. Make sure you know who your current agent is and how to reach them. Even better if you have a copy of your policies and know what you have for coverages. Both parties should know where they stand on insurance until they are on their own policies.
  2. Know that your credit can impact your insurance score as it is often one of the factors in insurance rating. Separation can cause confusion in who is paying what bills which can impact your credit score as you are working to detangle financial responsibilities. Make sure you work to maintain your credit scores to help save money down the road.
  3. Car insurance: you cannot remove your ex without consent- typically in writing. If you have separate addresses, separate vehicle titles, One person will have to get a new policy.
  4. If you move, you need to notify your insurance provider as a new Zip code can alter your car insurance premiums.
  5. Typically the insurance follows the car registrations. This means whoever officially owns the car and registers it, that is the person who typically has the insurance coverage on the car.
  6. Never have a lapse in coverage if you can avoid it- even if it is only a day. This can significantly increase premiums. The person getting new coverage should get the new policy in place BEFORE being removed from the prior policy. In other words, do not allow yourself to have a lapse in coverage as this can be quite costly- even only if for a short period of time.
  7. Children in divorce situations: typically the parent with primary custody will provide the insurance, but a licensed agent can help advise as situations can differ.
  8. Best time to separate policies- when divorce is finalized. Once divorce is final, one party will need a new policy.
  9. If you ex is paying for insurance after the divorce, make sure the insurance company has all your contact info as well so you are notified if payments are no longer made.
  10. The widow penalty- when you are widowed some company’s increase rates by as much as 20%. This is because that person is now considered “single” and single drivers pay higher insurance than married couples. Have your insurance company let you know if premiums will be increasing when you change your status. If so, a good independent agent can shop for these things.
  11. If you need a new vehicle know that many factors impact the insurance premiums including the purchase price, theft rate, cost of repairs ,accident rate, safety test results and more.
  12. Consider AAA or roadside assistance option to keep you protected if you have car troubles.
  13. Partner with a good licensed agent who is responsive, supportive and educates you on process and you options. An independent agent can help you find the best insurance options for your particular needs by shopping a variety of carriers on your behalf. By doing so, they can reduce a lot of stress that can be part of this transition process.

We’d be honored to be that resource that helps you through these life changes. Please reach out to us with any questions or to help review your insurance needs.

About Keslar Insurance

Keslar Insurance Agency is a full service independent agency providing residential and commercial insurance products in New Hampshire and Maine. Recent recipients of the Business of the Year from the Exeter Area Chamber of Commerce as well as the Business of the Year from the Newmarket Business Association, Keslar insurance is committed to the community.

Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information visit: www.keslarinsurance.com.

Company Info
Keslar insurance Agency 55 Main Street, Suite 222. Newmarket, NH 03824
Website: http://www.keslarinsurance.com

 

 

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8 home insurance tips if going through a divorce.

person holding black twist pen pointing on white printer paper

Photo by rawpixel.com on Pexels.com

Going through a divorce can be a stressful time. Figuring out how that impacts your homeowners insurance can be confusing. These quick tips may help guide and clarify.

  1. Make sure you know who your current agent is and how to reach them. Even better if you have a copy of your policies and know what you have for coverages. Both parties should know where they stand on insurance until they are on their own policies.
  2. Know that your credit can impact your insurance score as it is often one of the factors in insurance rating. Separation can impact your credit score as you are working to detangle financial responsibilities. Make sure you work to maintain your credit scores to help save money down the road.
  3. Moving out on your own? Consider renters insurance to cover not only your personal property, but for liability coverage. Often when you bundle it from your auto insurance provider, it can be as little as $10-20/month to keep you and your items protected.
  4. Is your x-spouse/partner moving out of the relationship/home?  You can’t take their name off the insurance policy until they no longer have an insurable interest in the home. But you can get quotes for new policies without them for budgeting and planning purposes.
  5. Don’t assume that you need lower coverages for better pricing some carriers can offer better prices for higher coverages! A professional agent can look at these option.
  6. Never have a lapse in coverage if you can avoid it even if it is only a day. This can significantly increase premiums. The person getting new coverage should get the new policy in place BEFORE being removed from the prior policy. In other words, do not allow yourself to have a lapse in coverage as this can be quite costly even only if for a short period of time.
  7. Best time to separate policies when divorce is finalized.
  8. If you ex is paying for insurance after the divorce, make sure the insurance company has all your contact info as well so you are notified if payments are no longer made.
  9. Partner with a good licensed agent who is responsive, supportive and educates you on process and you options. An independent agent can help you find the best insurance options for your particular needs by shopping a variety of carriers on your behalf. By doing so, they can reduce a lot of stress that can be part of this transition process.

We’d be honored to be that resource that helps you through these life changes. Please reach out to us with any questions or to help review your insurance needs.

About Keslar Insurance

Keslar Insurance Agency is a full service independent agency providing residential and commercial insurance products in New Hampshire and Maine. Recent recipients of the Business of the Year from the Exeter Area Chamber of Commerce as well as the Business of the Year from the Newmarket Business Association, Keslar insurance is committed to the community.

Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information visit: www.keslarinsurance.com.

Company Info
Keslar insurance Agency 55 Main Street, Suite 222. Newmarket, NH 03824
Website: http://www.keslarinsurance.com

 

What happens if an employee sues you? Are you protected?

LawsuitIf an employee sues you, you may or may not be protected. Employment practices liability insurance, also called EPLI insurance is specifically designed to protect employers from lawsuits brought on by employees. It provides coverage for many situations that general liability insurance does not.

Unfortunately, as an employer, there is a good chance that eventually one of your employees will sue your business. Employee lawsuits can be much more than just an inconvenience. They are expensive, distracting for your management team, and can quickly erode productivity and employee morale.

These types of suits are becoming more common. Over the last 20 years, employee lawsuits have risen roughly 400%, with wrongful termination suits jumping up more than 260%. Oddly enough, you are more likely to be sued by an employee these days than to have a fire at your facility.

Even small companies are being impacted. Roughly 41.5% of employee lawsuits are brought against private companies with less than 100 employees. The financial damage of employee lawsuits can be dramatic; some sources state that the cost of settling out of court averages $75,000, and the average jury award hits $217,000 if you go to court and lose. Despite all of these scary numbers, roughly 7 out of 10 businesses don’t carry EPLI insurance.

This can be an expensive mistake. Even lawsuits that are thrown out of court or are won by your company are expensive, due to the high cost of securing legal defense. Therefore, this insurance coverage is very important as financial protection for your business.

Common EPLI claims: The types of possible EPLI situations are extensive. Here are some examples:

  • Wrongful termination: Statistics show that this is the most common claim brought against employers. According to the EEOC, it is illegal to terminate an employee on the basis of age, race, national origin, gender, or disability. A business can also be sued if they fire an employee for:
    • Taking a leave of absence under the Family Medical and Leave Act (FMLA).
    • Reporting wrongdoing to the authorities under the Whistleblower Protection Act.
  • Harassment: In most harassment cases, the issue is sexual harassment, but cases of violence, bullying and issues based on race, color, age, and religion all fall into this category. The harassers can be senior managers, supervisors, co-workers, agents of the employer, or even non-employees. If the employee can prove the company was aware of the issue and ignored it or did not take adequate steps to solve the problem, the business may face additional fines and penalties if the case makes it to trial. Prevention is the best way to eliminate harassment at your business. It should be clearly communicated to all employees that harassment will not be tolerated.
  • Discrimination: Discrimination cases involve employees who are turned down for employment or denied promotions or raises based on age, gender, race, national origin or disability. If an employee can show a trend of discrimination in your business, they may have a winning case on their hands. This can also include pregnancy discrimination.
  • Breach of contract: Violating the terms of an employee’s contract can result in a lawsuit against your company. Proof of damages to the employee due to the breach will often result in a victory for your former employee.
  • Emotional distress: If employees feel that your business is fostering a hostile environment, or if they are subjected to overly stressful situations in the workplace, they may sue. While these cases can be very difficult to prove, the legal fees for defending the case can be substantial.
  • Other violations: EPLI insurance also offers protection for suits regarding statute violations, wage and hour violations, wrongful denial of workers’ compensation, loss of consortium, false positives from drug tests, unpaid interns, illegal background checks, libel and slander.

Want to know more or get a quote for coverage? We’d love to help.

About Keslar Insurance

Keslar Insurance Agency is a full service provider of residential and commercial insurance products in New Hampshire and Maine. Recent recipients of the Business of the Year from the Exeter Area Chamber of Commerce as well as the Business of the Year from the Newmarket Business Association, Keslar insurance is committed to the community.

Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information visit: www.keslarinsurance.com.

Company Info
Keslar insurance Agency 55 Main Street, Suite 222. Newmarket, NH 03824
Website: http://www.keslarinsurance.com

 

We are proud to introduce our newest Licensed Agent: Jennica Ross!

4882-MMS-1536254568629-attachment1-IMG_20180823_102231329_2 (1)Newmarket, NH, September 11, 2018. – Keslar Insurance Agency, a leading provider of insurance solutions in NH and ME, announced the appointment of Jennica Ross to the position of Licensed Agent. Jennica comes to Keslar Insurance Agency with over 13 years of relevant insurance experience which makes her well suited to continue contribute to Keslar’s focus on customer service.  Prior to this, Jennica worked as a Personal Lines Sales Producer for Insurance Center of New England in Agawam, MA, where she was responsible for supporting her client’s needs.

“I am delighted to be working with Keslar Insurance Agency, a company with an outstanding reputation in the insurance industry. Keslar has the same values that I do to provide appropriate coverages at the best prices all while providing exceptional service,” said Ross.

“Jennica Ross brings to Keslar Insurance Agency relevant insurance experience, which our customers will really appreciate. Her knowledge and ability to engage clients in a very professional manner will be a great asset and a good fit to our company culture. We are excited to have her on the team,” said Lisa Keslar, Vice President of Keslar Insurance Agency.

About Keslar Insurance Agency

Keslar Insurance Agency is a full service provider of residential and commercial insurance products in New Hampshire and Maine. Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information visit: www.keslarinsurance.com.

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Podcast: How to pick an insurance agent and policy.

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Recently, Lisa Keslar had the opportunity to speak with Financial advisor, KT Thomas of NewDay Solutions on her Podcast, KT’s Money Matters, about how people should select an insurance agent and how to make sure you are getting the right coverages at the right price.

To listen to it: http://ktsmoneymatters.com/bonus-lisa-keslar-getting-support-agency/

If you’d like to discuss any of the topics in this podcast in more detail, please do not hesitate to reach out to Keslar Insurance at 603-273-0953. We’d love to be a resource for you for your home, auto, business and life insurance needs.

 

Now Hiring PT Customer Service Rep

JOIN-OUR-TEAM

Keslar Insurance is a rapidly growing independent insurance agency located in Newmarket, NH. We offer insurance solutions all over NH and Maine. We are seeking a phenomenal Customer Service Rep to work with us approximately 20-25 hours/week. Hours can be flexible depending on candidate’s needs. This person must have an exceptionally positive attitude, be accustomed to working with customers on the phones all day. Must be used to a busy office with multiple things to work on at the same time.

Key Skills

  • Must possess a positive attitude and willingness to service and help customers at all times.
  • Amazing attention to details. Great at documenting conversations, researching questions and providing timely responses.
  • Great oral and written communication skills. We work hard to educate all of our customers and make sure we are addressing all of their questions thoroughly and professionally.
  • Ability to manage time and prioritize to make sure all customers are getting timely responses.
  • Must be very strong with technology and computers including using email, spreadsheets, and document creation software. Must have experience entering information into databases or CRM applications.
  • Experience building and documenting processes a plus!
  • Must be a self- starter willing to jump into next tasks and move rapidly from responsibility to responsibility without a lot of hand-holding.

Responsibilities:

  • Answer and address incoming calls including: taking bill payments, processing initial claims with carriers, researching questions.
  • Creating and sending out certificates of insurance, auto ID cards, copy of policy paperwork and other documentation.
  • Providing follow up communications to make sure all paperwork has been completed, to ensure service has been exemplary and to schedule annual reviews.
  • Documenting customer interactions at all times.
  • Updating customer information in databases.
  • Help document procedures and creation of training manuals.
  • Proactively reach out to customers via telephone, email etc. to set up meetings, follow up on our service etc.
  • Other administrative tasks as they arise.

You will receive:

  • Fair hourly compensation based upon experience.
  • Training necessary to excel in this position.
  • All equipment necessary to do job.
  • Flexible hours/schedule to provide work/life balance.
  • Opportunity to receive bonuses when company meets their goals.
  • Opportunity to work in a fun, fast paced office with great learning opportunities.
  • Opportunity to join a growing entrepreneurial organization with great exposure to a variety of business functions.
  • Opportunity to become connected in the industry

If you are motivated to succeed and can see yourself in this role, please email us a resume and cover letter. We will follow up with you on the next steps in the interview.
Education Requirements
HS Diploma required; college degree preferred.

About Keslar Insurance:
We are an established, growth-oriented agency with a team of highly motivated individuals. We are recent recipients of Business of the Year from both the Exeter Area Chamber of Commerce and the Newmarket Business Association. If you’re willing to work hard and you expect to get results from yourself and those around you, we want to meet you and talk about the opportunity we have for you. If you are self-motivated, possess an entrepreneurial spirit and have a desire to win and achieve results, please consider joining our team. Our door is open to talented sales professionals with the ambition, initiative, self-determination, strong work ethic, career dedication, and winning attitude.
Products. We offer an array of insurance products and services and these multiple business lines have enabled us to endure rapidly changing trends, an important factor to consider for career stability in a challenging economy. These include: home owners, auto, business/commercial, watercraft, and personal umbrella insurance, life insurance and more.

Company Info
Keslar insurance Agency 55 Main Street, Suite 222. Newmarket, NH 03824
Website: http://www.keslarinsurance.com
Resume, cover letter, and compensation requirements to: info@keslarinsurance.com

Hiring! Licensed P&C Insurance Agent

JOIN-OUR-TEAMKeslar Insurance Agency, a rapidly growing independent insurance agency located in Newmarket, NH, has immediate opportunities for a motivated licensed P&C producer to join our team! We seek an energetic professional interested in helping our business grow through value-based conversations and remarkable customer experience. If you are a motivated self-starter who thrives in a fast-paced environment, then this is your opportunity for a rewarding career with excellent income and growth potential.

Keslar Insurance Agency will support you by offering:

  • An hourly salary plus a highly competitive commission based compensation plan for uncapped earning potential. You control your ability to earn.
  • Flexible schedule and great company culture. Will consider candidates looking for Flexible hours.
  • Relationships with major National and regional insurance carriers, all highly rated and respected.
  • Leads/networking opportunities available.
  • Will provide product and technology training.
  • All equipment necessary is provided (phones, computers, databases etc.).
  • Exclusive recognition programs for top performers.
  • Growth potential/Opportunity for advancement within the office.

Responsibilities

  • Develop leads, schedule appointments, identify customer needs, and market appropriate products and services.
  • Use a customer-focused, needs-based review process to educate customers about insurance options.
  • Be consistent in follow-up to close and bind business.
  • Build strong relationships with customers and prospects.
  • Maintain a strong work ethic with a total commitment to success each and every day.

Your success will require you to:

  • Possess a competitive sales drive to meet and exceed monthly goals.
  • Prospect and develop leads while continually networking to grow your business.
  • Be self-motivated and fully committed to building a profitable business.
  • Provide excellent customer service and maintain retention.
  • Be an effective communicator both written and verbal.
  • Have a strong desire to educate and support customer’s needs.
  • Have strong organizational skills.

Additional requirements:

  • Sales experience (outside sales or inside sales representative, retail sales associate, or telemarketing) preferred
  • Successful track record of meeting sales goals/quotas preferred
  • Enthusiastic about the role insurance and financial products play in helping people manage the risks of everyday life, recover from the unexpected, and realize their dreams
  • Self-motivated
  • Ability to make presentations to potential customers
  • Ability to conduct interviews in the office and on occasion, in customer’s home or business
  • Current Property & Casualty license preferred,
  • Selected candidate is expected to remain current in product changes, licensing, technical developments, and continuing education.
  • Ability to successfully complete a background check.
  • Possess a valid driver’s license and an acceptable driving record.

If you are motivated to succeed and can see yourself in this role, please email us a resume and cover letter. Candidates who meet our requirements will be contacted for phone screens.
Education Requirements
HS Diploma required; college degree preferred.
About Keslar Insurance:
We are an established, growth-oriented agency with a team of highly motivated individuals. We are recent recipients of Business of the Year from both the Exeter Area Chamber of Commerce and the Newmarket Business Association. If you’re willing to work hard and you expect to get results from yourself and those around you, we want to meet you and talk about the opportunity we have for you. If you are self-motivated, possess an entrepreneurial spirit and have a desire to win and achieve results, please consider joining our team. Our door is open to talented sales professionals with the ambition, initiative, self-determination, strong work ethic, career dedication, and winning attitude.
Products. We offer an array of insurance products and services and these multiple business lines have enabled us to endure rapidly changing trends, an important factor to consider for career stability in a challenging economy. These include: home owners, auto, business/commercial, watercraft, life insurance, and personal umbrella insurance and more.

Company Info
Keslar insurance Agency 55 Main Street, Suite 222. Newmarket, NH 03824
Website: http://www.keslarinsurance.com
Resume and cover letter and compensation goals to: info@keslarinsurance.com