employee spotlight Lora

 

This month’s employee spotlight is on the lovely Lora Dominguez.  Lora does both commercial and personal lines in our Santa Fe office.  She has been working in insurance for 13 years and 6 of those have been with Brown & Brown.

When not at work, Lora says she likes going on adventures with her husband, either doing something they have never done before or something they have never done together.  She also loves spending time with her grandma.  Lora says she is one feisty lady and most of the time they are laughing until they cry.  Lora is also the proud dog mom of three Shih Tzu’s: Harley, Bane, and Bear.

Lora is one of the hardest workers we have, and we just love having her on our team!

Trampolines

Trampolines…. An Insurance Company’s Worst Nightmare

 

So you have a trampoline.  That’s great.  But you wonder why your insurance company cares and why they charge you extra for having it, even with a net.  As both an insurance agent and a fan of trampolines, I am here to explain.

Your homeowner’s insurance covers you for liability, including damage that you cause that you are legally obligated to pay for.  If it is your trampoline doing the damage, it is on you.

First, and perhaps most obvious, is the chance of harm to the people using the trampoline.  Even with a net (which really is incredibly important), it’s easy to get hurt on a trampoline.  I have a friend who was 24 years old and broke his leg on a trampoline from landing wrong, so it really can happen to both kids and adults.  If the damage is severe and the kid is not yours, you may be on the hook for some pretty hefty medical bills.

Second, and less obvious, is the property damage trampolines can do.  Let’s face it, New Mexico winds are not something to be taken lightly.  And they definitely can get strong enough to pick up a trampoline and throw it into the next house over (trust me, I’ve seen it happen).  The fence it knocks over, the window it breaks, the car it dents?  All on you.  Or rather, all on your insurance.

So when you see the surcharge on your policy, these are just some of the reasons.  Hopefully nothing ever happens and no one ever gets hurt.  But that’s what you have the insurance for, right?

Employee Spotlight Sarah Rhoades

This month’s employee spotlight is on our magnificent Sarah Rhoades.  Sarah is a producer and CSR in our personal lines department.  She has been in insurance for 18 years and with Brown & Brown for almost 8 of those years.  She’s worked with all kinds of agencies, but says she likes the independent side because we can find a fit for almost anything.

When she’s not at work, Sarah spends most of her time taking care of her family.  Sarah and Cory have 4 kids from 11 to 18 that keep her on her toes.  Taking care of teenagers is not an easy task!  But when they need a break, they like to go for adventures on their Harley, even when it’s pretty cold out.

Sarah is one of the kindest people around, and we love her to death in our little personal lines department.  She is such an important part of our Brown & Brown family.

Kristin King Employee Spotlight

This month’s employee spotlight is on me!  I’m Kristin, the one who puts together these monthly Kristin King Employee Spotlightemployee spotlights.  We draw names from a cup, so while I’m not one to typically talk about myself, I was drawn, so here we are.  I’ve been with Brown & Brown for nearly 4 years now, working in personal lines with my amazing team.  I recently moved to Arkansas, but I still get to work here (which is fantastic, in my opinion—the personal lines team is like a second family and I wouldn’t want to leave them).

So here’s the “fun” stuff on me— though I’m a pretty boring person, so fun might not be the right word.  I have a 2 year old daughter who is the light of my life and keeps me on my toes.  Most of the time when I’m not at work, I’m watching Disney movies with her (which is why a lot of our movie claim Mondays are kids movies lately).  My wonderful husband is in the military, which is why we are in Arkansas.  Other than movies, I like to cook and bake and I read A LOT.  Mostly Harry Potter over and over, but I occasionally branch out.

I was told not to be too snarky, but it’s just my nature, so I will end this how I want.  We love me, I’m amazing, and they never want me to leave because of how awesome I am.  Just kidding  😉

Despicable Me 2 Movie Claim Monday

Movie Claim Monday: where our insurance minds speculate whether certain incidents in the cinematic universe would in fact be considered a covered claim.*

This week’s movie claim Monday is on Despicable Me 2**. Again, I have a 2 year old, the only movies I watch anymore are cartoons.  So here we go!  This one isn’t exactly on claims, rather than just the coverages needed.  The scene I’m going to be going into is when Gru and Lucy break into Salsa & Salsa restaurant to see if the bad guy they are looking for is El Macho (spoiler alert: it is!).

  • El Macho better have some small business insurance.  There is property damage to most of his tables and chairs and a hole gets put in his ceiling.  He would want property coverage as well as loss of use, since he may have to close down while repairs are made.
  • Also, his business coverage would be useful for the safe that is broken into, but the coverage may not apply, as not valuable was taken and the only valuable in there was a jar of salsa.
  • The mall would also want good property insurance, as the minions break quite a bit of glass driving a car through the side wall.  Lots of damage and lots of clean up.
  • Finally, how would Lucy’s car be covered?  I mean, it obviously needs auto insurance, but it is also a submarine and an aircraft.  Three insurance policies seems a bit excessive, so maybe she can find a non-standard carrier that can create a custom policy for her specific vehicle.  You never know.

*Disclaimer: Each insurance policy is different, and while we speculate here for enjoyment purposes, you will need to discuss your insurance policy directly with your agent or CSR.  Our speculations here are in no way an indication that a similar occurrence would in fact be covered.

**All characters described and mentioned are copyrighted by Universal Pictures

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