by Kristin Erickson | Mar 29, 2021 | Bonds, Business Insurance, General
Fiduciary Liability vs. Fidelity/Crime Coverage Fiduciary Liability, Fidelity, Crime, Theft, Employee Dishonesty, 3rd Party Crime, ERISA Bonds – Oh My!! Another set of coverages in our series of articles describing The Optional Coverages – are they really optional? ...by Kristin Erickson | Mar 16, 2021 | Bonds, Business Insurance, General
Your ERISA Bond is Not Fiduciary Liability Insurance Fiduciary liability insurance is designed to protect fiduciaries who, although acting in good faith, violate the complex fiduciary rules as expressed in federal rules, regulations, and court rulings. Fiduciaries...Been thru thick and thin are we are both still here!! Great people. You can get insurance anywhere but its the people that make it happen. Thanks Again, John McNulty”
Prime Steel has been in business for almost 50 years. A significant number of those years we have been a client of Tonry's. I believe that everyone at Tonry has Prime's best interest in mind at all times. Even if it means telling us we don't need to carry certain limits that it is just a waste of money. Over the years the knowledge from Tonry Insurance Group has saved Prime Steel a lot of money and certainly puts Prime's key Personnel at ease in many circumstances. Audit questions/ prep / incidents/ claims etc. The attention we get from Tonry Ins Grp even when it is last minute is very much appreciated.
We have known Lou for many years. His company always treated me and my family with respect. Tonry Insurance consistently tries to find savings on all my insurance needs. Now that my sons are married and homeowners, they also are insured with Tonry. We wouldn't think of going elsewhere.
Customer since prior to 2000
“I believe that I've been with you for over forty, but more likely 50 years and have not had any problems with the coverage you recommended. It always seems that you have represented me and not the insurance company.”
“I've been with Tonry for many many years & their customer service cannot be beaten! I appreciate all the representatives that I have dealt with Thank you! Linda G”
“Kris Bibbo has worked with us for years, along with Con Duggan. Knowledgeable, professional, reliable, and most importantly of all, welcoming and great to work with!”
“I have been with Tonry and appreciate all the hard work that Kris continues to do, she is very on top of everything and provides the right feedback and assistance that’s asked when it’s called upon.”
“Our agent, Cecilia, does a great job of giving us the best options to choose between. There is never any pressure. She alerts us to any possible discounts that we can use to keep our premiums down. She saves us loads of time by doing all of the legwork. She has been both professional and friendly to deal with. She knows the products inside and out.”
- Customer since 2002
Amy Nelson and Kris Bibbo have been great to me over the years. They always send kind emails and make sure all policies are in place with the right coverage for all my needs. Even if I disagree with an audit resulting in additional fees they make me feel comfortable that they will look into it and help understand the situation rather than dismissing me and not caring. That's very important and why all my insurance policies are with you.”
“Everyone has been so helpful with my questions or problems. I appreciate the personal attention I receive whenever I call the office. Thank you for your outstanding service..”
“One simple reason...your staff. Kris has been helping me close to 20 years. I have ZERO difficulties with any insurance I have because she takes care of EVERYTHING. She is prompt, courteous, efficient, knowledgeable and is so very pleasant and happy. Con has been helping me almost 20 years, too. He deals with my professional insurance. He notifies me if there is a problem. He gives me a solution. He saves me money when different policies are available. He takes care of any problems in a very timely fashion. Your staff is great. Keep them.”
“Cheryl DiGravio is the most responsive, diligent, trusting person I have ever partnered with - hands down!!!!”
“Donna my representative has been awesome over the years guiding me through all ins and outs keeping up to date on everything.”
“Keeping us informed and up to date is important. Having a seasoned professional staff we communicate with on a first name basis and getting spontaneous response helps to confirm our confidence.”
- Customer since 2002
“Kris is always there for us. She goes above and beyond to help and to shop around to make sure we have the best coverage.”
- Customer since 2012
“Amy Nelson is always very helpful with my General Liability insurance needs or any other insurance questions.”
“Cheryl has provided great service since I switched my policies to your agency. I am 100 percent satisfied!”
“You care about your customers. You research to let your customers know that there are other insurance companies other than the one the customer is using. My agent saved me over a thousand dollars last year. This is a great insurance company.”
- Customer since 2018
“Extremely responsive. Replying to email questions within hours, not days. Always willing to get on a call. Insurance issues are explained simply and clearly. Will definitely stick with Tonry insurance for my homeowners insurance needs.”
Kris Bibbo, our rep from Tonry in Lexington is an amazing source of information and connections. She made the purchase and registration of an out-of-state vehicle a very easy process. The way she managed things made us 100% sure that switching over to this office was the right thing to do. I'd recommend her to anybody and everybody.
Customer since 2020
Our previous “Often-Overlooked Coverages for Construction Professionals” article listed a Per Project Aggregate as an often-overlooked coverage. This article expands on the importance of having a per project aggregate for your general liability policy.
Installation floaters are builder's risk policies written to insure a specific type of property during its installation. Usually, they are purchased by subcontractors who are installing equipment or materials in existing buildings where a builders risk form is not appropriate (such as a remodeling job) or in new building construction where the primary builder's risk policy is not written to insure the materials of a subcontractor or supplier, such as in the case of high valued or specialized equipment or materials (i.e.: generators, boilers, computerized machinery, etc…).
Last month we discussed often overlooked coverages for construction professionals. Our team wanted to explore one of these overlooked coverages in more detail: Pollution Liability. Contractors may be surprised to know that commercial general liability policies exclude most pollution events.
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