Leadership Conference 2013

Uncategorized | Tagged


Meramec Valley Mutual Insurance Company is excited to announce that we are a major sponsor at the Missouri Association of Insurance Agents’ Leadership Conference, July 17-19, at Tan-Tar-A Resort, Osage Beach, Mo.

We will also be exhibiting at the trade show on both Wednesday and Thursday. Meramec Valley Mutual will join in the company prize drawings at the close of the trade show. We hope that as an appointed Meramec Valley Mutual agent, you too will attend this conference to visit with our representatives and possibly learn even more about our products and services. 

Remember, if you register soon you will receive “early-bird pricing” (through Tuesday, June 18). Registration for the Leadership Conference is available on the MAIA website,www.missouriagent.org.

Family Emergency Kit

Uncategorized | Tagged , ,


Ready Kids & The Federal Emergency Management Agency present:

A Suggested Family Supply List from FEMA.

Emergency Supplies:
Water, food, and clean air are important things to have if an emergency happens. Each family or individual’s kit should be customized to meet specific needs, such as medications and infant formula. It should also be customized to include important family documents.

Recommended Supplies to Include in a Basic Kit:

  • Water, one gallon of water per person per day, for drinking and sanitation
  • Food, at least a three-day supply of non-perishable food
  • Battery-powered radio and a NOAA Weather Radio with tone alert, and extra batteries for both
  • Flashlight and extra batteries
  • First Aid kit
  • Whistle to signal for help
  • Infant formula and diapers, if you have an infant
  • Moist towelettes, garbage bags and plastic ties for personal sanitation
  • Dust mask or cotton t-shirt, to help filter the air
  • Plastic sheeting and duct tape to shelter-in-place
  • Wrench or pliers to turn off utilities
  • Can opener for food (if kit contains canned food)

Clothing and Bedding:
If you live in a cold weather climate, you must think about warmth. It is possible that the power will be out and you will not have heat. Rethink your clothing and bedding supplies to account for growing children and other family changes. One complete change of warm clothing and shoes per person, including:

  • A jacket or coat
  • Long pants
  • A long sleeve shirt
  • Sturdy shoes
  • A hat and gloves
  • A sleeping bag or warm blanket for each person

Below are some other items for your family to consider adding to its supply kit. Some of these items, especially those marked with a * can be dangerous, so please have an adult collect these supplies.

  • Emergency reference materials such as a first aid book or a print out of the information on www.ready.gov
  • Rain gear
  • Mess kits, paper cups, plates and plastic utensils
  • Cash or traveler’s checks, change
  • Paper towels
  • Fire Extinguisher
  • Tent
  • Compass
  • Matches in a waterproof container*
  • Signal flare*
  • Paper, pencil
  • Personal hygiene items including feminine supplies
  • Disinfectant*
  • Household chlorine bleach* – You can use bleach as a disinfectant (diluted nine parts water to one part bleach), or in an emergency you can also use it to treat water. Use 16 drops of regular household liquid bleach per gallon of water. Do not use scented, color safe or bleaches with added cleaners.
  • Medicine dropper
  • Important Family Documents such as copies of insurance policies, identification and bank account records in a waterproof, portable container

Prevent Frozen Pipes

Uncategorized | Tagged , , , ,

frozen-pipesTo help prevent your building’s interior from dropping below freezing temperatures and to reduce the potential damage, IBHS recommends the following:

  • Provide a reliable back-up power source, such as a stand by generator, to ensure continuous power to the building.
  • Interior building temperature can be monitored by a central monitoring company to ensure prompt notification if the interior of the building reaches low temperatures during after hours, power outages or idle periods.
  • Recessed light fixtures in the ceiling below the open area that is directly under a roof, such as attic space, should be insulated to prevent the release of heat into the attic.
    • Check to see if there is any visible light from recessed light fixtures in the attic.
      • If there is, they are not adequately sealed or insulated. Sometimes, especially in low sloped roof buildings, the space above a suspended ceiling located below the roof may be heated and cooled like the occupied area below.
      • If that is the case, there is no need to insulate above the suspended ceiling or seal the ceiling’s penetrations.
  • Insulate all attic penetrations such as partition walls, vents, plumbing stacks, electric and mechanical chases, and access doors that are not properly sealed.
  • Ensure proper seals on all doors and windows. Depending on the building or room size, fan tests can be conducted to ensure room and pressurization tests.
  • Seal all wall cracks and penetrations including domestic and fire protection lines, electrical conduit, other utility service line, etc.
  • Sprinkler systems should be monitored by a constantly attended central station to provide early detection of a sprinkler pipe rupture due to freezing.
  • Insulation and/or heat trace tape with a reliable power source may be installed on various wet sprinkler system piping. This includes main lines coming up from underground passing through a wall as well as sprinkler branch lines.
  • UL-approved gas or electric unit heaters can be installed in unheated sprinkler control valve/fire pump rooms. If back up power is provided, the heaters should also be connected to this power source.
  • A monitored automatic excess flow switch can be placed on the main incoming domestic water line to provide early detection of a broken pipe or valve when the business is closed.

Missouri Insurance Education Foundation

Uncategorized | Tagged

Missouri Insurance Education Foundation Background

The Missouri Insurance Education Foundation was formed as a non-profit corporation in March 1991, To Promote Public Insurance Education. The Foundation provides its services based solely upon contributions and proceeds of special events. The Foundation is guided by an all-volunteer Board of Directors, which includes representatives from the insurance, legal, academic fields and from the general public.

Missouri is one of the only four states with an independent insurance education organization. Through dissemination of facts, the Foundation seeks to improve consumer understanding and perception of insurance matters in Missouri. The Foundation’s program begin at the secondary school level and are designed to provide early and continuing “grass roots” education about insurance. Emphasis is placed on how insurance works, the benefit of insurance in daily life, the significant impact of the insurance industry on our economy, and the encouragement of insurance-related careers.

The Foundation has been determined to be exempt from Federal Income Tax under Section 501 (c) (3) of the Internal Revenue Code. CONTRIBUTIONS ARE TAX-DEDUCTIBLE


To promote Public Insurance Education in Missouri

Scope Of Service

Accomplishment of the Foundation’s mission occurs through support of organizations and institutions having insurance education programs, through support of students, through direct dissemination of insurance education materials, through direct referrals to other sources of insurance education and resource materials, and through the use of all mediums of communication.

Goals and Objectives

1. Grant academic scholarships annually.

2. Distribute insurance education materials to all Missouri secondary schools.

3. Work with educators and support insurance and actuarial studies at Missouri universities and colleges. Also, provide insurance educational workshops for secondary level teachers.

4. Establish an Internet Website with hyperlinks to insurance education and related materials.

5. Acquire funding for initial development and distribution of vital new computer-based-training and multimedia insurance education materials for Missouri high schools.


Specifically Listed Personal Property

Uncategorized | Tagged , ,

Starting 9/17/2010 we require photos of any item insured for $500 or more. This includes Farm Equipment, Scheduled Personal Property (previously listed as Inland Marine), and specifically listed personal property included in Increased Limits of Household Personal Property (Contents). There should be a minimum of two photos showing all four sides of the item.

When you submit a change or application for one of these items you also need to include the manufacturer, year, model and serial number. If it is a self propelled vehicle you must include ccs or hp.

If you do not have photos, please provide documentation that includes the requirements listed above. Documentation would be Bill of Sale or Sales Receipt.

Senate Vote Keeps Flood Program Waiting

Uncategorized | Tagged
Hopes the insurance industry had of politicians putting disagreements aside to reauthorize the National Flood Insurance Program (NFIP) were dashed today in Washington, as the Senate voted against legislation to restart the program.The NFIP expired May 31, marking the third lapse of the program this year.

Top-10 Technologies Seen Most Likely To Have Big Impact On P&C Insurance

Uncategorized | Tagged ,

According to the article National Underwriter, the following ten technologies seem like to have a big impact on the P&C Insurance Industry

• Modern Policy and Claims Management Systems:

• Web Services and SOA Tools:

• Business Intelligence and Analytics:

• Predictive Modeling Tools:

• Advanced Fraud Detection Solutions:

• Web 2.0 and Social Networking Technology:

• Product Development and Configuration Solutions:

• BPM Solutions, Including Workflow and Rule Engines:

• Portal and Internet Technologies:

• Mobile Devices/Technologies:

For more information, see the article at:

Top-10 Technologies Seen Most Likely To Have Big Impact On P&C Insurance