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Home > Blog > Hebbeln Insurance Blog Page 7
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Hebbeln Insurance Blog Page 7

View the latest blog posts from Hebbeln Insurance.

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Friday, March 11, 2016

Driver Safety and Insurance Premium

Obviously the primary reason for loss control is because an Employer cares about the health and well being of their Employees.  However, for this post, since claims experience can have such a significant impact on an Employer's premium, I will discuss more in terms of business and not so much the human element. READ MORE >>

Saturday, March 5, 2016

"I don't have 5 employees so I don't have to have it - right?" "True, but...."

I hear this a lot since Missouri does not require Employers to have Workers' Compensation Coverage unless they have 5* or more employees (including the Owners/Officers).   This is misleading because while true, the employer will not be subject to a significant fine from the State ... READ MORE >>

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Saturday, February 20, 2016

What's this Additional Insured thing everybody requires me to have?!

Very simply stated, the requesting party is saying "If you screw up (cause bodily injury or property damage) and I get sued, I expect your policy to protect me."     The Additional Insured requirement is very common in construction.  Let's say a building owner needs Electrical upgrades. READ MORE >>

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Thursday, January 28, 2016

XBox One and PS4 have been added!

My boys pulled me aside and said "you need to add an XBox One and a PS4 to your giveaway."   I told them "sorry fellas, but I don't think most adults will be interested." The boys: "More adults use them than you think.  These are whole entertainment systems! READ MORE >>

Thursday, January 28, 2016

Stan K. and a Give Away!

Due to unexpected "colorful" language, the video had to be significantly edited - so much so,  it has the feel of a pre-talkie. We have added the option of a XBox One or PS4 for our next Promotion - here are the details! READ MORE >>

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Saturday, January 16, 2016

Stocks and the Start of 2016

On 08/22/2015 I posted this - noting that it seemed the opinion of Institutional Investors (e.g. Mutual, Hedge, Pension Fund managers, etc.) had turned for the worse.   It seems I have been proven correct.  I am a market genius, yes?   No! I can point to 2 other posts where I was dead wrong. READ MORE >>

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Wednesday, January 13, 2016

Squats and Ding Dongs

READ MORE >>

Sunday, January 3, 2016

Flood and Water Backup

Flood  One of the concerns (of the many) about the recent flooding in the Greater St. Louis area is that many of the flooded properties were located in Flood Zone X (areas deemed least likely to incur flooding) Flood is not a covered cause of loss under the Homeowners Policy. READ MORE >>

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Saturday, January 2, 2016

So, you're going to begin Manufacturing in China...

   Before anybody wants to take a political shot at me on this one - yes, I agree with you, it would be fantastic if everything could be manufactured in the U.S.  But we don't live in a self sustaining bubble within the world.  It is a global economy. Let's dig into this a bit more. READ MORE >>

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Sunday, December 6, 2015

The Polar Express is set up so I'm checked out - Happy Holidays!!

As previously posted I have little use for this Blog this time of year.   I will check out with this bit of knowledge, since after Thanksgiving every year, I am asked several times each and every day up until 12/25 - "Hey Dan, what are the 2 Greatest Christmas Songs of all time? READ MORE >>

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