From 2000-2011, 349 people were killed in tip-overs, 84 percent were younger than nine years old. In 2011 there were 41 deaths from this hazard. Televisions were the main cause of the deaths. Schools should make sure that televisions on carts are strapped down. With the advent of Smart Boards there are fewer televisions used» Read Full Article

The Local Government Property Insurance Fund (LGPIF) has implemented a number of coverage changes to the property insurance coverage form. These changes include: Restrictions on Flood Coverage Restrictions on Surface Water Coverage Reduction in Ordinance and Law Coverage Addition of an Anti-Concurrent Causation Coverage Restriction In addition to these coverage restrictions, we have been seeing» Read Full Article

The LGPIF form now excludes loss from Flood, water below ground, back up of sewers and drains outside of the building. Coverage is now excluded: If you are in a flood zone as defined by FEMA, National Flood Insurance Program (NFIP) – Flood Insurance Rate Maps (FIRM) If water below ground exerts pressure on or» Read Full Article

The LGPIF now restricts surface water to $1,500,000. Previously, coverage was provided up to the total values on the policy. The number and severity of summer storms has been increasing. With this increase, the amount of rain water has also increased leading to the inundation / overflow of the current storm drain systems. This runoff» Read Full Article

If you have an older building that is not up to the current building codes and a covered cause of loss occurs, you may have to provide upgrades to your facility to comply with the current building codes. The building codes could require you to install a fire sprinkler and alarm system, update electrical and plumbing, install» Read Full Article

From the LGPIF notice: “Anti-concurrent causation language now applies to certain losses that are excluded in Section VI of the policy. The language applies to exclusions related to nuclear; fungus; virus; flood and surface water; war; and excluded water losses such as those that arise from water pressure below the surface of the ground. Anti-concurrent» Read Full Article

From 2009 to 2011, the amount of text messages sent has increased by nearly 50% and is still on the rise today.  Over 1/3 of drivers have sent or received text messages while driving; 18% of people admit to doing this regularly.  However, distracted driving is not just texting while driving – it also includes» Read Full Article

The Wisconsin Association of School Boards Insurance Plan (“Plan”) is pleased to announce the establishment of its Endorsed Agent Program. Five insurance agencies specializing in serving the property and casualty and employee benefits insurance needs of Wisconsin school districts and CESAs have been endorsed by the Plan, R&R Insurance Services of Waukesha, WI is one» Read Full Article

Anything that diverts your attention away from the main task of driving is a distraction. Basically, anything that takes your eyes/mind off the road or your hands off the wheel. This includes cell phone usage, eating, talking, listening to disruptive music, applying make-up, tending to children and navigation systems. Not Just Texting – Any Cell Phone Usage» Read Full Article

As an independent insurance agency servicing dozens of public and private schools, and tens of thousands of families in Southeastern Wisconsin, we know first-hand how life can change in an instant. For 2013, we’ve put some muscle behind our campaign to help schools and families prevent distracted driving. R&R Insurance Services is offering a free Prevent Distracted» Read Full Article