The Commercial Lines Account Executive will manage and grow a book of accounts, including business owner’s policies and packages.

The primary responsibility of the Commercial Lines Account Executive is to service commercial lines accounts, which includes guiding customers through coverage changes and informing and educating clients about policy coverage and insurance needs.

Essential duties include: Maintaining and managing a book of business and strong contact base; Understanding coverage relevant to risk and provide solutions addressing the needs and wants of the client; Familiarity with company guidelines and underwriting; Comfortable with online processing and rating with major carriers; Knowledge of commercial lines coverage and the ability to maintain a good rapport and develop relations with clients, company underwriters and producers. Within this role, you will be given the opportunity to assist producers in soliciting new business and to develop existing accounts.

Qualifications:
Connecticut P&C License Required.
Minimum of 3-5 years Insurance experience required.
Strategic thinker and results focused.
Applied TAM experience is a plus

Tracy-Driscoll & Company, Inc. is a well established organization, providing comprehensive insurance solutions for Auto, Home, Business, Life & Health within our communities since 1920.

Required experience:

  • Minimum 3 years Experience Preferred: 3 years

 

 

health form

As a single, healthy adult, you may think that health insurance isn’t a necessity. After all, you don’t have any pressing or chronic medical needs, and it’s just another expense that will stretch your already thin budget. What you may not realize is that there are several great reasons to purchase health insurance today.

  1. Avoid a Penalty

With the Affordable Care Act in effect, anyone who doesn’t purchase health insurance in 2015 will owe a penalty of $325 or 2% of your income. You can also avoid the penalty by enrolling in your parents’ insurance if you’re under 26.

  1. Cover Preventative Care

Maybe you only think about doctors when you’re sick, but they’re also important for preventative care. During regular checkups, they can catch the beginnings of heart disease, diabetes or other medical conditions, so put your health insurance to work and prioritize preventative care.

  1. Build a Relationship with a Healthcare Team

What happens if you get pregnant, develop arthritis or suffer from severe headaches? You’ll want a trusted medical team that knows you and your physical health history by your side. Use health insurance to make regular visits to a physician and build a relationship that will benefit you down the road.

  1. Enjoy an Active Lifestyle

Do you avoid skiing, traveling or another fun activity because you’re afraid you might get hurt and won’t be able to afford the medical treatment? Purchase health insurance. While it doesn’t give you a license to be reckless, it does help you enjoy life an active lifestyle without having to worry that an injury will drain your savings account.

  1. Maintain a Healthy Reproductive System

Even though you don’t have a family now, you may want one in the future. Go to the doctor for regular checkups and reproductive health advice. Address reproductive problems now and maintain your reproductive health as you look forward to the future.

Health insurance can be expensive and it might seem like a waste of money or a budgetary strain, but it’s a wise investment. Make sure to call Tracy-Driscoll at 860-589-3434 to learn which policy is right for your needs and budget.

 

insulated window

Windows are the key to a good home. They allow natural light to bathe your house in warm sunshine, and can also provide insurance, as well as other benefits if they’re properly insulated.

Lower Heating and Cooling Costs

Up to 60% of your home’s air, both hot and cold, can easily escape through single pane windows. When you stand near any non-insulated window, you’ll feel drafts—as well as a substantial increase in your heating and cooling costs.

Installing insulated windows is a large expense since costs range from several hundred to a thousand dollars per window, but you’ll quickly make that money back as you lower your heating and cooling expenses by at least 10%.

Reduce Noise

Barking dogs, busy roads and other outdoor sounds create unwanted noise inside your home. With insulated windows, you won’t hear as many disturbing noises and will be able to enjoy your sanctuary in peace.

Increase Security

Single paned windows break easily, which makes it easier for burglars to enter your home. Plus, your older windows may not feature secure locks. You’ll protect your home, possessions, and family when you install secure insulated windows. With this benefit, you could also save money on your home’s insurance costs.

Cut Carbon Dioxide Emissions

Homes cause up to 28 % of all carbon dioxide emissions. Double paned insulated windows cut those emissions and protect the environment. You can go green in a cost-effective manner that benefits everyone!

Insulated Window Options

While insulated double pane windows provide numerous benefits, you do have other temporary and affordable options:

  • Thermal reflective plastic attaches easily to drapery rods or hooks on a window’s four corners. While it filters roughly half of the natural light, you can still see outside and remove the plastic whenever you want.
  • Heated shrink film is also easy to apply and remove as needed. Typically clear, it insulates your windows without affecting your view.

In the long run, insulated windows provide numerous home insurance and other benefits. You should strongly consider replacing your home’s old windows with insulated windows as soon as possible. As always, contact Tracy-Driscoll at 860-589-3434 if you have any questions regarding your home insurance policy.

 

 

keyboard

As you navigate the Internet, you’ll find yourself juggling numerous passwords. You could choose one password for all your accounts, but that’s easy for someone to steal and generally not recommended by industry experts. Use these five tips to help you create new passwords that will provide you with greater security.

  1. Review all your passwords. This protective action will take some time, but it serves as a password audit. You’ll see what types of passwords you use, find out if any are repeated between sites and determine which ones need to be changed.
  1. Stop using common passwords. You probably don’t use the word “password” to access any of your accounts, but using the name of your child, street or pet is just as unsecure. Anyone who knows this information could potentially access your bank statements, emails or other personal accounts.
  1. Delete password notification emails. When you change a password or request a new one, the site will typically send you an automated email with your new password. Hackers can potentially access them and use your passwords to get into your accounts.
  1. Use long strings of characters. Simple passwords like “fancynancy” or “abc123” are easy to remember, but they are also easy to steal. Give an online thief a run for his or her money and use a combination of lower and upper case letters, numbers and symbols. Remember, too, that longer passwords are also stronger.
  1. Use a password manager. It stores all your passwords and assists you in creating strong passwords in the future. Plus, it encrypts all your passwords so that hackers can’t decipher them.

By following these five tips, your online passwords will be a lot safer. Make sure you contact Tracy-Driscoll at 860-589-3434 to learn about identity protection coverage, too. It’s a second layer of security that helps keep you safe online.

 

life insurance

Life insurance isn’t just for parents of young children. It’s a valuable resource for almost anyone. Before you dismiss life insurance as irrelevant, consider these factors below to determine when you really need to consider buying a life insurance policy.

You Need a Funeral

The National Funeral Directors Association calculates that the average adult funeral costs $7,095. By purchasing a life insurance policy, you cover that expense and give your survivors one less thing to worry about paying.

You Have Debt

After you die, certain debts, including your student loans, mortgage, credit card balances and unpaid medical bills, have to be repaid with assets from your estate. Money from your life insurance policy can cover these obligations and reduce the financial burden your family faces.

Your Financial Resources are Limited

How much money do you have saved in your bank, retirement or investment accounts? If those resources aren’t enough to pay for your survivors’ daily living expenses, purchase adequate life insurance and provide for your loved ones’ needs.

You’re Getting or Already are Married

If you could continue providing financially for your spouse even after your death, would you?  Life insurance provides extra funds that cover living expenses, and it shows your spouse how much you really care.

You’re Someone’s Primary Caregiver

Whether you care for young children or aging parents, consider purchasing life insurance. The funds provide the care your loved ones need.

Your Loved Ones Have Long Term Needs

Of course you can’t see into the future, but you can plan for the long term needs your loved ones will face, including college, medical treatment or housing. With a life insurance policy in place, you’ll provide for your family long after you’re gone.

While life insurance is beneficial, it’s not a requirement. If your children are grown, your mortgage and debts are paid, and your spouse has adequate financial resources for a comfortable retirement, you may not need a life insurance policy. However, strongly consider purchasing a policy if you think that your survivors will need this financial resource.

Contact Tracy-Driscoll today at 860-589-3434 to learn more about life insurance, and of the different policy options that are available. You’ll gain peace of mind, knowing that your loved ones are protected now and for the future.

 

 

Dollar Sign

Having the right insurance is an important part of protecting your business and managing risk, but if you’re like most businesses, you still want to keep your insurance costs as low as possible, for the sake of your bottom line. Having a risk management plan in place is one important way to control your insurance expenses, but here are a few more quick tips to help you keep your costs low:

1. Review your policy regularly. Make sure the deductibles you have in place still make sense based on the types and numbers of losses you’ve encountered during the last year or two. Also, make sure the types and amounts of coverage you have in place still make sense for your risk profile.

2. Make your payments on time to avoid late fees and prevent the possibility of a cancellation, which could make it more difficult to get coverage in the future.

3. Review your property values on a regular basis to ensure you’re not paying for too much coverage or putting your property at risk by having too little coverage.

4. Perform a workplace health assessment to identify health-related risks and determine if you need to make changes in your health insurance plan and identify changes in your facilities that could help limit your risks.

5. Consider physical upgrades like sprinkler systems or security alarms that could result in discounts on your premiums. When analyzing the return of these upgrades, compare the cost of installation with both the insurance savings you’ll receive and the potential reduction in risk to get the most accurate estimate of value.

Finally, make sure to contact Tracy-Driscoll at 860-589-3434 with any questions you might have concerning your business’s insurance.

 

breaking down on highway

Despite regular maintenance, you can’t predict when your vehicle’s tire might blow or when your car will simply stop working. The Insurance Information Institute suggests several important steps that will keep you safe if your vehicle breaks down.

Pull Over

You never want to leave your vehicle in the middle of the road. Drive it to the right shoulder or other safe spot before you attempt to figure out what’s wrong with it or call for help. This way, your vehicle won’t obstruct traffic, and you’ll have a clearer line of sight when you’re ready to return to the road.

Warn Others

Tell other drivers that you’re immobile and warn them to slow down by placing flares or reflective triangles on the road, at least six feet behind your vehicle.  Make sure to turn on your hazard lights too.

Stay Inside

It’s tempting to stand outside and flag for help or attempt to fix your vehicle, but  this choice is dangerous on busy highways. Remain in your vehicle until roadside assistance or a helpful friend arrives.

Turn on Your Interior Lights

If you don’t have any flares or reflective triangles, to be seen during nighttime hours, turn on your car’s interior lights.

Hang a White Marker

A white fabric square, scarf or paper hanging from the driver’s side window alerts other drivers that you’re broken down and immobile. Secure a white object into place and then wait for help.

We Can Help

Breaking down on the highway is no fun, and it’s dangerous. Call Tracy-Driscoll at 866-589-3434 to learn about roadside assistance and the different auto insurance policies that are available. Although no coverage can actually prevent break downs, roadside assistance and the right auto insurance policy will give you peace of mind if you’re ever stuck along the road.

 

affordable care act

The Affordable Care Act requires all US citizens who meet income thresholds to have health insurance. You can choose your employer’s coverage, buy private insurance, join Connecticut’s exchange or receive coverage from Medicare or Medicaid. With the open enrollment deadline ending on February 15th, we thought it would be helpful to make you aware of the potential penalties for not signing up on time.

Penalties for Individuals

In 2014, the penalty is the greater of $95 or one percent of your income. That figure rises to $325 or two percent of your income in 2015. By 2016, expect to see a $695 or 2.5 percent penalty.

Additional points to remember include:

  • Your 2014 penalty is capped at around $9,800, the average price for a bronze plan.
  • If you don’t have health insurance, you’ll owe a pro-rated tax penalty. That means you’ll pay the full penalty if you’re uninsured for the entire year, or 1/12 the penalty for each month you are uninsured.
  • However, if you’re uninsured for less than 3 months of the year, you don’t have to make a payment.
  • The penalty is due for the current year on next year’s tax return. So penalties for 2014 will be due with your 2015 tax return.

Penalties for Families

The 2014 penalty for an uninsured family caps at the greater of $285 or one percent of income. Expect to pay the greater of $975 or two percent of your income in 2015, and $2,085 or 2.5 percent of income in 2016. These penalties apply whether you have one dependent or a dozen.

Exceptions

If you’re an individual or part of a family that doesn’t make enough money to file an income tax return, you could either receive a subsidy to buy insurance or be exempt from the tax penalty. Individuals who are unemployed are also exempt. Likewise, if you can’t find a policy that costs less than eight percent of your modified adjusted gross income, you won’t owe the penalty.

Enroll Today

With a qualified health insurance plan, you’ll avoid these tax penalties. Plus, you’ll be able to receive the preventative and routine medical care you need. If you need health insurance, have any questions about the enrollment process, or what to learn more about your options, make sure to contact Tracy-Driscoll at 860-589-3434 today!

 

Now that the big snow storm is over, it’s important to make sure that ice is not damming on your roof. Ice damming causes water backup, which can damage your home’s walls and ceilings.

What are Ice Dams?

Ice dams occur after a heavy snowfall that is followed by several days of very cold weather.

How do they form?

They form when warm air in the attic causes the roof to warm and the snow on the roof to melt. Water running down the roof refreezes when it reaches the colder roof edge, which forms a mound of ice.

Now, the ice traps meltwater, which can seep back up under your shingles and drip through your roof and into your house. Ice dams can cause serious water damage to your home’s walls, ceilings, and other areas.

roof-ice-dam

Prevention

Proper Insulation– The key to preventing ice dams is to simply keep your attic and roof cold. Your roof needs to be as cold on its underside as the outdoor temperature. Insulate your attic’s floor if it isn’t already. Building codes require about 12 to 14in. of fiberglass or cellulose insulation, so check the depth of your insulation, and add to it if it’s not up to code.

You should also make sure that the soffits in your attic are vented, and that these vents are not blocked at the gable ends. Ice dams and leaks are almost certain if these vents are insufficient.

Snow Removal- After a snow storm, remove the snow from your roof. Not all the snow has to be removed, but the more the better. You should also consider using a roof rake, because it will better remove the snow from the edge of your roof, and prevent ice build-up when used on a regular basis.

Roofing Material- For a more long-term solution to prevent the leaks from ice dams entering your home, add a 3 foot strip of rubberized material along the eave edge of your roof, under new shingles.

As always, Tracy-Driscoll can be reached at 860-589-3434, with any questions regarding home, auto, business, life, and health insurance.

 

Blizzard

As winter storm Juno fast approaches Connecticut, there are some preparations that you should make before the storm hits. Make sure you have the items below on hand to be prepared for the storm’s potential blizzard like conditions, that could cause you to lose your power, heat, and telephone service.

Water

Big power failures can disrupt your water supply, which makes it very important to have plenty of clean drinking water for each member of your household. The rule of thumb is three-quarters of a gallon, per person per day, which equals three quarts. You may also want to have some extra clean water for washing, food preparation, and to flush your toilet if your water is shut off.

Food

You should always have three days’ worth of non-perishable food on hand. High-energy foods like dried fruit, canned products, dry cereal, and crackers make good options.

Flashlights/Matches and Candles

Have plenty of them, and plenty of extra batteries. If possible, purchase a hand-cranked flashlight, which will work even after its batteries run out. Matches and candles will also suffice.

Wood

If you lose your heat during the storm, a wood fire will provide warmth. Make sure you have a large pile of dry wood available, and that your fireplace is clean and ready to go by clicking here.

Other Essentials

Aside from food, water, and heat, you will also want to have first-aid supplies handy. As always, Tracy-Driscoll can be reached at 860-589-3434, with any questions regarding home, auto, business, life, and health insurance.

 
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