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Posted by Andy Adams on October 2, 2014 - 11:30am
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From the Houston Chronicle:  “Our whole industry believes this is the next big change, and like any change, there will be winners and losers from an industry standpoint,” he told me. “But this is a net win for small-business owners — they’re not going to make this change because they are losing, they are going to do it because it’s an economic advantage.”
 
From Houston Small Business Owners: "You have GOT to be kidding me!"
 
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Posted by Tracy Dacus on September 23, 2014 - 9:53am
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Last week I posted on Facebook that my husband and I had ‘Ubered for the first time last night, and it was awesome.’  Needless to say, the responses were mixed!  Some of my friends were in the know about ‘Uber’ but a few seemed shocked I would post such personal information on social media.  
 
I first heard about Uber last year while visiting friends in Dallas.  ‘Will you be Ubering over?’  I thought he was speaking another language.  Then he realized I’d never Ubered before so he explained what it was.  ‘You mean people get into a car with total strangers and pay them to take them places?’  It sounded like a liability nightmare to someone in the insurance business.  
 
So when I heard that Uber had finally been okayed in Houston (I hate to see Dallas beat us on anything, argh) I downloaded the app.  We were heading to my high school reunion at a popular spot on Washington, where it’s a nightmare to park.  Friends dropped us off, and when we were ready to depart, I pulled up the app and let it be known we needed a ride.  Our car arrived within 2 minutes!  
 
The last time I tried to get a Yellow Cab to come pick me up via the Hailacab Houston app, I waited 25 minutes and finally had to find alternate means of transportation.  So far, this Uber thing seemed pretty cool.
 
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Posted by Tracy Dacus on September 17, 2014 - 8:46am
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Starting January 1, 2015, OSHA's updated record keeping rule will expand the list of severe injuries that all employers must report to OSHA.  Establishments located in states under federal OSHA jurisdiction must begin to comply with the new requirements; those located in states that operate their own safety and health programs should check with their state plan for the implementation date of the new requirements. 

 
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Posted by Andy Adams on September 16, 2014 - 3:19pm
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This morning we attended the Work-Faith Connection's annual breakfast.  500 people squeezed into the River Oaks Country to hear no less than 3 ex-invitees of the Texas Department of Corrections tell their stories and how the power of the Holy Spirit and a few people who believe in second chances changed their lives.

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Posted by Andy Adams on September 5, 2014 - 10:29am
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Employee theft claims are regular occurrences among our insureds, certainly more common than hurricanes.  Yet, so many employers believe these types of claims cannot happen to them.  You see they do not employe anyone they do not trust.  They have safeguards in place.  They do not keep that much cash on hand, etc.  They need employee theft coverage.  If they have it, they need to increase their limits.

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Posted by Tracy Dacus on September 4, 2014 - 5:06pm
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With open enrollment for ‘Obamacare’ in 2015 starting in mid-November, experts are predicting big increases in premiums in many states.  According to an analysis from PricewaterhouseCoopers’ Health Research Institute, health plans sold through the ACA exchanges are going to increase an average of 7.5% next year.  (based on preliminary data from 27 states and the District of Columbia)  

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Posted by Andy Adams on September 4, 2014 - 2:58pm
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As we noted here, the DC Circuit has vacated its panel decision deciding the ACA shoud be enforced as it reads to NOT allow subsidies sold outside of state health exchanges (i.e., through the federal exchange).  This was a huge holding, but the odds were stacked against its survival within the more liberal DC Circuit.

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Posted by Tracy Dacus on August 22, 2014 - 2:59pm
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This week marked the start of the potentially busiest part of hurricane season.  With a tropical storm forming near Puerto Rico, we thought it was time for a review of hurricane preparedness.  From FEMA’s www.ready.gov site, where you can learn to prepare for any and all disasters including pandemics or even the zombie apocalypse.  
 
Before 
 
Review your insurance coverage.  It will be too late to obtain flood or windstorm insurance if a storm is declared a hurricane, and there is a 30 day waiting period to enforce any flood policy.  (See our blog about this from 2012.)
Put together a disaster kit.  A basic emergency supply kit includes the following:  

 

     
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    Posted by Andy Adams on August 21, 2014 - 3:31pm
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    When was the last time you received an email from a friend stuck in a foreign jail or a "business opportunity" to make millions from Nigeria?  I doubt you took any of them seriously upon a moments reflection.  What about an urgent email from your CEO asking you to wire money to an account?  Would you dismiss that as quickly?  The latest "masquerading" email fraud does exactly that.  It is a growth industry:

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    Posted by Andy Adams on August 15, 2014 - 1:17pm
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    After 19 years and 6 months (oh, let's just call it 20 years!), Lynda Watson retires from Adams Insurance Service TODAY.  Testimonies from customers have been pouring in since her retirement was announced last month.  Lynda has truly been honored by all of your kind words, best wishes, and prayers.  Adams Insurance has been honored by Lynda.  We cannot replace the friendships and relationships she has established during her time here.  Our hope is that we can maintain our customers level of trust and confidence.  
     
    Thank you Lynda! We love you and wish you well in all your future endeavors!
     
    Your family at Adams Insurance Service!
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