News & Events

Auto Insurance and Home Insurance in Bryan, Definance, Maumec OH, and Surrounding Areas

Beck Insurance is an independent agent and can help you with reliable auto insurance in Bryan OH, Defiance OH, Maumee, Perrysburg, Sylvania OH or Toledo. If you own or drive a car in Ohio, then some form of car insurance is compulsory. But just because you have an auto insurance policy does not mean you are covered for all risks and events. You might have a balance of 3rd party policy or might have a policy that only covers liabilities and collision damage. You might be surprised to learn your auto insurance policy has gaps so wide you can drive your car through them.

If you want auto insurance that.is good and proper, then you should consult with an independent agent such Beck Insurance.  They offer solid auto insurance that covers your car, boat, motorcycle or RV. They also cover you.  Simply having some discount auto insurance policy does not mean you are properly covered. Beck Insurance will help you with affordable auto insurance that does not have scary gaps.

A solid auto insurance policy should offer you the following:

3rd Party or liability insurance. This part of car insurance covers you should a 3rd party sue you for property damage or bodily injury pursuant to road accident caused by you. This type of car insurance is compulsory and don’t want to be caught without it.

 Uninsured / under insured liability. Should you be involved in a collision with an uninsured or underinsured driver you won’t be able to recover your losses unless you have this type of coverage.

Collision insurance: If your vehicle is damaged or totalled in a collision or road accident you will be left without wheels and transport. Collision insurance will pay for the repairs to or replacement of your vehicle. You also need to be sure your insurance will settle the bank should your vehicle be financed to through hire purchase or lease.

Comprehensive: This type of insurance covers you for damage resulting from events other than a road accident. This could be storm damage, auto theft, vandalism and so on.

Auto Insurance and Home Insurance in Bryan, Definance, and Maumec OH. Offering Life Insurance, Motorcycle Insurance, Business Insurance, Long Term Care Insurance in Perrysburg.

Medicare Open Enrollment Period

The 2017 Medicare Open Enrollment Period is fast coming to an end. The last day to shop and compare plans this year is December 7th. Please contact Beck Insurance today to secure your appointment.  We are now down to ten days left!

Cordless vs. Corded Tools on the Job Site

Most of us who carry the responsibility of on-site construction projects know efficiency is critical to staying on schedule and budget.

Years ago, many contractors would send a laborer to the job site before the carpenters would arrive to roll out the electrical cords as part of the daily set-up process. Not using more expensive man hours for set-up work saved time and money. Today, cordless tools are often used instead.

In 1961, Black & Decker unveiled the first cordless power tool and, in the mid-60s, NASA started using battery-powered tools for their space programs, including a cordless rotary hammer drill for the Apollo moon program. Because these cordless power tools were designed for a zero-gravity environment, the weight of the batteries was not an issue.

It wasn’t until the early 90s that I began trying battery-powered drills for the type of work I was doing. At that time, the batteries weren’t developed enough for me to be completely sold on cordless power tools. The 9.6-volt batteries were heavy, they had a long charging cycle time, they needed to be charged often, they got hot, the overall life expectancy was short, and replacement of the batteries was expensive. It wasn’t until the mid-2000s—when 18-volt and 24-volt batteries were available for screw guns, impacts wrenches, grinders, and skill saws—that cordless tools began to see everyday use on my job sites.

Since those times, battery technology in both lithium-ion (Li-ion) and nickel cadmium (NiCd) has come a long way, prompting manufacturers to produce many other cordless tools, including miter and reciprocating saws, shop vacuums, nail guns, concrete vibrators, and even table saws that run off a 60-volt lithium-ion battery. Yet, despite advances in technology, there continues to be a debate between cordless and corded tools and which are better.

I believe the better option differs depending on the work that needs to be done, the type of tool that will be used, and convenience factors. Below are some considerations when deciding between cordless and corded tools.

1.The up-front cost of cordless tools has to be evaluated, but any tool that can save labor hours is likely worth the investment.

2.Corded tools often require a powered extension cord. Repeatedly rolling out and rolling up extension cords takes time. In addition, electrical cords can be a tripping hazard, and blades or bits could damage cords and cause injury.

3.Cordless tools improve mobility, making it easier to move freely around a job site.

4.Today’s cordless tools have longer operating cycles, and downtime can be nearly eliminated by having one or two backup batteries on a charger.

5.Cordless tools often come with their own storage containers, making storage in trucks and gang boxes more convenient.

6.Corded tools maintain continuous torque and power, which can be an advantage for some jobs, such as drilling several large holes in concrete, using a concrete breaker, or ripping large quantities of lumber with a skill saw.

With so many manufacturers in the power tool industry, it’s important to do your research before making a purchase. If you have experience using cordless power tools on job sites and would like to share your opinion, please feel free to do so. Construction workers who do the hands-on work are those we can learn the most from.

Contact Beck Insurance Agency today for help on your contractors insurance and coverage.

Sources:

https://www.nasa.gov/offices/ipp/home/myth_tools.html

https://www.acuity.com/acuity-focus/2017/contractor-focus/cordless-vs.-corded-tools-on-the-job-site?utm_source=Facebook&utm_medium=Social&utm_content=cordless-vs-corded-tools&utm_campaign=social_construction_2017&__prclt=r7DN2WMy

Auto Insurance

Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.

Insurance for cars, trucks, boats and more!

Beck Insurance Agency can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us for more information today!

How much auto insurance is right for you?

Based in Archbold, Ohio, the team at Beck Insurance Agency understands the auto insurance needs of our customers.

Auto insurance requirements vary by state. In some states, to drive you must carry:
Liability coverage – to pay for losses you cause others, or:
No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
Both liability and no-fault coverage.

We write insurance in Ohio, Indiana, Michigan, Tennessee, Georgia, and Florida and would be happy to help you ensure you have the right coverage for where you live.
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

Every person is unique – talk to us today to find out how to get the best price and value on auto insurance for you.

Beck Insurance Agency:  “Check with Beck Before You Wreck“.  Call for a quote today at 877-446-BECK (2325), Email us at info@beckinsurance.com, or hit us up via the our Contact Us page!

Tailgating Tips – from Acuity Insurance

In preparation for tonight’s big I-75 Rivalry game between the University of Toledo and the Bowling Green State University!

Tailgating before a game is a longstanding tradition. The right pregame food, drinks, music, and games help get everyone in the spirit to cheer on their team. When thousands of enthusiastic people gather in one place, what could go wrong?

Unfortunately, plenty. Someone could get injured, your car could get vandalized, or you could end up with food poisoning. We at Acuity want to help take the worry out of tailgating so you can enjoy the event—even if your team loses.

Whether you’re a tailgating rookie or a seasoned veteran, here are some tips to make your next tailgating experience a safe and fun one.

•Set the time and place. Notify your friends and family when and where you are going to set up. Check with the stadium in advance to see what time the gates open. Before heading into the game, make sure everyone in your group is aware of your meeting spot in case anyone is separated by the crowd.

•Prepare food and supplies. Packing food and supplies ahead of time will help make sure you and your crew are ready to go. Fill a cooler with plenty of ice to keep drinks cool and perishable food safe to eat. Napkins, plates, and tablecloths are essential. Don’t forget grilling and serving utensils!

•Safety first. Hand sanitizer should always be on your list. If grilling, make sure your grill is clean before you go, and bring along a fire extinguisher. Ensure coals are completely cooled before disposing of them. Perishable food that wasn’t eaten should be placed in the cooler or thrown away before going into the stadium.

•Check the forecast. Depending on the weather, you may need an umbrella (tonight for sure!) or ponchos, sunscreen, or insect repellent. Dress appropriately so you are comfortable before, during, and after the game.

•Select a designated driver. Don’t drink and drive or let anyone else do so.

•Hide valuables. To help prevent theft, remove or hide any valuable items in your car.

•Leave safely. Make sure all items are cleaned up before the game starts and before driving away. A flat tire is never fun.

See you at the game!

Lisa D 10/24/2017 / Acuity Focus https://www.acuity.com/acuity-focus/2017/acuity-focus/7-tailgating-tips-for-your-next-tailgate-party

What does a CIC Designation mean for you?

Today’s insurance and risk management industry is vast, complex, and full of confusing variety. As you consider what kind of coverage you need for your unique set of risks and exposures, keep in mind that training as a Certified Insurance Counselor (CIC) has prepared us to be the competent and proven advisors you need. Our drive is what led us to go for the CIC designation. It represents a career-long commitment to stay on top of important industry changes and to be aware of new risks that arise so that we may better serve our clients.

Beck Insurance is not the kind of agency that is content to just collect annual commissions. We strive to be the best that we can be. We use our education to gain an in-depth understanding of the nuances of complex risks and the best way to address them. Training to become a CIC includes 100 classroom hours and five comprehensive exams. Additionally, we attend far more continuing education courses than required every year to keep our knowledge and skills up to date in order to ensure that you always receive the attention, care, and current information necessary to make your coverage decisions.

The CIC designation and pin are marks of distinction that demonstrate our commitment to professional excellence and leadership in the insurance industry. We are proud to be among 31,500 CICs in the country, “the best and most knowledgeable insurance practitioners in the nation.”

Joe Beck, VP/CIC – Bill Beck, Pres/CIC – Kirk Beck, Ret/CIC

 

Trucking Firms Facing Recruitment Problems Ahead of Holidays

By Jennifer Smith Oct. 24, 2017 9:01 a.m. ET

Trucking companies are worried about finding enough drivers now that the freight market is recovering.

Shipping demand is strengthening after a roughly two-year slump, as manufacturing activity expands and retailers stock up in advance of the holiday season. Meanwhile, fleets are reporting trouble recruiting qualified drivers to haul those loads. Some are raising wages even before they secure rate increases from shippers.

Long-haul truck drivers often hop from one fleet to the next in search of better pay or other benefits, such as schedules that permit them to spend more nights at home. They also tend to be older than the general workforce, fueling concern about driver supply as more truckers near retirement age and younger people enter other fields.

A tight employment market compounds the issue, as the construction and energy sectors draw from the same labor pool. Long-haul truckers make on average about $55,000 a year, compared with the roughly $80,000 to $100,000 they could earn driving for the oil-and-gas industry, said Bob Costello, chief economist with the American Trucking Associations, an industry group.

This year “driver shortage” ranked as the trucking industry’s top concern for the first time since 2006, according to an annual survey released Monday by the American Transportation Research Institute. Nearly 40% of respondents ranked driver supply among their top three concerns, according to the industry research group’s report.

“This is as tight a market as we’ve seen in 25 years, and we expect it to tighten further,” said Derek Leathers, chief executive of Werner Enterprises Inc., a large truckload carrier based in Omaha, Neb. “Demographics are working against us.”

Over the past two years, Werner has boosted wages by about 15%, one of a number of steps to aid driver recruitment and retention. The company has also spruced up its equipment and terminals.

Tightened capacity can benefit carriers, giving them more leverage with shippers on price, but it can also mean passing up work if they can’t find drivers. Though fleets often expand when business is booming, that may be off the table this time.

“I don’t think there’s any reason to believe that we could significantly grow our fleets given the driver capacity issue next year,” Richard Cribbs, chief financial officer at Covenant Transportation Group Inc. said on an earnings call last week.

At Covenant, a large trucking company based in Chattanooga, Tenn., employment costs for the third quarter rose 4.8% from a year earlier, though revenue rose faster and profit soared 59% to $4.6 million. The carrier expects shipping rates to increase by 5% to 9% in 2018, but said its truck count will remain largely flat.

J.B. Hunt Transport Services Inc., one of the biggest U.S. carriers, said earlier this month that rising driver pay, a decline in fleet size and an increase in trucks lacking drivers weighed on third-quarter results in its truckload division. That unit had a 5% drop in revenue from the year-earlier period, though operating income increased 12%.

Drivers often scoff at the idea of a shortage, saying the solution is simple: pay more.

Companies are increasing wages “and they should,” said Mr. Costello. “But it’s about more than pay. It’s about the lifestyle.”

The ATA says the driver shortage is leading to delivery delays, and estimates the shortfall has yet to peak this year. Carriers will need to hire about 898,000 new drivers over the next decade as more truckers retire and the industry expands, according to the group.

Source:  https://www.wsj.com/articles/trucking-firms-facing-recruitment-problems-ahead-of-holidays-1508850070?__prclt=Xw9mCo1R

Auto-Owners Insurance Named 2017 Company of the Year by National Association of Professional Insurance Agents

The National Association of Professional Insurance Agents issued the following news release:

The National Association of Professional Insurance Agents (PIA) has named Auto-Owners Insurance Company as the recipient of its prestigious 2017 Company Award of Excellence. The presentation was made on September 15, 2017 at a gala ceremony held in conjunction with PIA’s Board of Directors meeting in Minneapolis, Minnesota.

“Auto-Owners is highly deserving of this, our association’s highest company honor,” said PIA National President Gary Blackwell, in presenting the award. “For independent agents, Auto-Owners is a true partner. Many of us have placed Auto-Owners Insurance high among the carriers we represent. There are many good reasons for this: Financial strength and stability. Excellent service. Superior products. Unparalleled quality. And ease of doing business.”

“Perhaps the most important reason we are so loyal to Auto-Owners, is that Auto-Owners is loyal to independent agents,” Blackwell said. “It’s a perfect match!”

The PIA National Company Award of Excellence honors a company for its commitment to PIA, to the American Agency System and to furthering the interests of professional insurance agents by creating a better business environment.

“We are honored and humbly accept this award on behalf of the associates of Auto-Owners that make such awards possible,” said Chairman & CEO Jeff Harrold, who along with Mary Pierce, senior vice president, marketing & sales, was on hand for the presentation.

“In our 101-year history, we have marketed exclusively through the independent agency system and see no reason to change. Like the PIA, whose focus is on enhancing the capabilities and skills of their members, we have found the better we serve our agents, the mutually stronger we become.”

Established in 1916 and headquartered in Lansing, Michigan, Auto-Owners Insurance Group is the 17th-largest property/casualty insurance group in the nation, based on written premium of over $6.3 billion. The company also ranks 398th on the Fortune 500 list.

Auto-Owners, which employs 4,900 associates in the 26 states in which it operates, is one of 12 insurance carrier groups in the U.S. to receive the highest rating possible, A++ Superior, by A.M. Best, which is a nationally recognized rating agency for insurance companies.

Source:  https://insurancenewsnet.com/oarticle/auto-owners-insurance-named-2017-company-of-the-year-by-national-association-of-professional-insurance-agents#.WfydtcjruUk

Life Insurance in Maumee, Perrysburg, Toledo OH, and Surrounding Areas

So here the best step will be to invest in the right coverage from a licensed and experienced company such as Beck Insurance. This way you can secure the financial future of your family. Our service areas include the different parts of Bryan, OH, Maumee, Napoleon, OH, Perrysburg, Sylvania OH and Toledo.

10 Benefits Unveiled

The top 10 benefits of investing in a life insurance policy include,

  • It will look after your family after your demise. Right from ensuring that your better half gets the required financial security, paying for the children’s education to replacing lost income it will take care of everything, thereby giving you peace of mind.
  • It will help your family in handling an outstanding debt, if any.
  • It will help you in attaining long-term goals like planning your retirement or buying a home. Besides, it will offer you with different investment options.
  • It will help in supplementing your retirement goals which means you can take pleasure of a steady income each month post retirement.
  • Investing in this policy at a younger age will be cost effective.
  • This coverage is not only for you or your family members, but there are some plans that will look after your business as well.
  • It will help you to save taxes regardless of the plan you invest in.
  • It will act as a tool for a forced saving.
  • You may not qualify for this policy later.
  • Lastly, it will offer you absolute peace of mind that your family will be financially secure.

Write to us at info@beckinsurance.com for details or have a word with our experts at our toll free number 8774462325.

Life Insurance and Health Insurance in Maumee, Perrysburg, and Toledo OH. Offering Homeowners Insurance, Motorcycle Insurance, Long Term Care Insurance in Sylvania & Napoleon.

What Makes a Medicare Advantage Prescription Drug Plan a Smart Choice?

Like many people, you may take a prescription medicine or two … maybe more. And those costs can really add up, especially people who are 65 or older and are on a fixed income. That’s why you might want to consider adding a prescription drug plan to your Medicare coverage.

 It’s Easy to Get Medicare Prescription Drug Coverage

You may already know Original Medicare doesn’t cover the drugs you buy from a pharmacy. But you can easily get prescription drug coverage, known as a Medicare Part D Plan, from private companies in two ways:

1. A stand-alone Prescription Drug Plan (PDP), which you can add to Original Medicare or a Medicare Supplement insurance plan.
2. A Medicare Advantage plan (Part C) that includes prescription drug coverage.

About Medicare Advantage Prescription Drug Plans

A Medicare Advantage plan with prescription drug coverage, also called an MAPD plan, can be a great choice because it includes all the benefits of Medicare Parts A (hospital insurance) and B (medical insurance) as well as drug coverage.

Medicare Prescription Coverage and More in Simple, All-in-One Plans

MAPD plans are approved by Medicare to provide your Parts A and B benefits — plus they cover prescription drugs and extra benefits that Original Medicare doesn’t. By bundling everything together, these MAPD plans make controlling Medicare drug costs and managing all aspects of your medical care easier.

With an MAPD plan, you’ll also receive low monthly premiums, an annual limit on out-of-pocket costs, and additional options that could include wellness programs, fitness memberships, dental, vision and hearing benefits, and more.

Choosing the MAPD Plan That Fits Your Needs

When considering MAPD plans, you’ll want to take into account their coverage and their costs, which can include monthly payments, deductibles, copayments and/or a percentage of a service or drug’s overall cost.

To make the most of your MAPD plan’s Medicare prescription drug coverage, here are a few things to keep in mind:
• All MAPD plans have a list of covered drugs, known as a formulary. It’s required to include common types of drugs, but not specific drugs within each type. Check to make sure any medications you need are included in your plan’s drug list.
• MAPD drug lists place medications into three to six different “tiers” or levels of cost to you. Drugs listed in lower tiers may be generic and generally cost less than drugs listed in higher tiers.
• MAPD plans can specify which pharmacies you must use. If you get a prescription filled by a pharmacy that’s not in your plan, you may pay more or all of the cost.
• Find out if you can save by using a mail-order pharmacy, which typically supplies a two- or three-month refill for a single copayment.

Remember, prescription plans for Medicare (Part D) are optional and you don’t automatically get one with Original Medicare. You have to choose Medicare prescription coverage from a private company. It’s best to make your Part D choice during your Initial Enrollment Period, because if you wait more than 63 days you may be subject to a late enrollment penalty. And when you get Part D bundled into a Medicare Advantage plan that includes prescription drug benefits, your MAPD will give you valuable all-in-one coverage.

Call Beck Insurance Agency at 419-446-2777 to schedule your appointment today!

Please note: Some Medicare Advantage plans do not cover prescription drugs, so be sure the plan you choose is an MAPD plan if you want it to include prescription drug coverage.
eptember 07, 2017