http://www.southernriskservices.com/blog/View Southern Risk Services, LLC.'s Website Blogen-uspostmaster@www.southernriskservices.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:394861df-a785-4655-887f-f5caf32423a2urn:uuid:39e47ff4-2ebe-49bc-8874-cf9bbfeb47f8<img src='http://www.southernriskservices.com/img/%7Ewww.southernriskservices.com/Vehicle-Deer%20blog.jpg' align='left' />Tue, 13 Dec 2011 11:02:05 -0600<img alt="" width="594" height="767" src="/img/%7Ewww.southernriskservices.com/Vehicle-Deer%20blog.jpg" />urn:uuid:df538622-b3e0-442c-a2fd-dae3c3d5c057<img src='http://www.southernriskservices.com/img/%7Ewww.southernriskservices.com/Blog%20safe%20driver%20poll.jpg' align='left' />Tue, 29 Nov 2011 09:20:03 -0600<img alt="" width="589" height="764" src="/img/%7Ewww.southernriskservices.com/Blog%20safe%20driver%20poll.jpg" />urn:uuid:cc7e1fd9-3693-46f5-a3c5-311a3e720b9e<img src='http://www.southernriskservices.com/img/%7Ewww.southernriskservices.com/All%20Insurance%20Agents%20are%20NOT%20Created%20Equal.jpg' align='left' />Thu, 15 Sep 2011 11:26:31 -0500<img alt="" width="598" height="864" src="/img/%7Ewww.southernriskservices.com/All%20Insurance%20Agents%20are%20NOT%20Created%20Equal.jpg" />urn:uuid:f97cffbf-4ca5-4a01-ab53-d5d2ea091773<img src='http://www.southernriskservices.com/img/%7Ewww.southernriskservices.com/Identity%20Theft%20PR%20Pg%201.jpg' align='left' /> Terry Young President SRS Insurance Group PH 1-877-222-UROK Email: TY@southernriskservices.comTue, 23 Aug 2011 08:50:11 -0500<img alt="" width="586" height="662" src="/img/%7Ewww.southernriskservices.com/Identity%20Theft%20PR%20Pg%201.jpg" /><br /> <img alt="" width="579" height="607" src="/img/%7Ewww.southernriskservices.com/Identity%20Theft%20PR%20Pg%202.jpg" /><br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> PH 1-877-222-UROK<br /> Email: TY@southernriskservices.comurn:uuid:7e1acdcf-8196-45fa-aab3-e88c6e4466ab<img src='http://www.southernriskservices.com/img/%7Ewww.southernriskservices.com/SRS%20Bullet%20Flyer%20Final%20Draft.jpg' align='left' /> Terry Young President SRS Insurance Group Ph 1-877-222-UROK Email: TY@southernrirkservices.com Mon, 08 Aug 2011 15:54:28 -0500<img alt="" width="595" height="767" src="/img/%7Ewww.southernriskservices.com/SRS%20Bullet%20Flyer%20Final%20Draft.jpg" /><img alt="" width="593" height="765" src="/img/%7Ewww.southernriskservices.com/SRS%20Bullet%20Flyer%20Final%20Draft%20%282%29.jpg" /><br /> <span style="font-size: 13px;">Terry Young<br /> President<br /> SRS Insurance Group<br /> Ph 1-877-222-UROK<br /> Email: TY@southernrirkservices.com</span><br /> <br />urn:uuid:c151c384-4a76-4dbf-bbb4-b07c69ff0087To all of our clients and friends, thanks for reading our SRS blog. It is our goal to keep you informed as much as possible about the state of the insurance industry. If you have any questions please don't hesitate to call our team. 2Q Update: Safe...Thu, 04 Aug 2011 13:07:55 -0500<p><span style="font-family: georgia; font-size: 16px;">To all of our clients and friends, thanks for reading our SRS blog. It is our goal to keep you informed as much as possible about the state of the insurance industry. If you have any questions please don't hesitate to call our team.</span><br /> <br /> </p> <p style="margin: 0in 0in 0.0001pt;"><span style="font-size: 18px;"><strong>2Q Update: Safeco^&reg; weathering the storms</strong></span></p> <p>As many of you know firsthand, the second quarter was a difficult one for the entire insurance industry. The numerous storms in April through June were devastating on a historic scale, and it will be many months before life returns to normal for those affected. </p> <p>Over the past several years, we have focused on making critical enhancements to our claims service and we hope that you're seeing those efforts pay off. Senior Vice President for Claims Glenn Shapiro and his team have been working diligently to do what's right for you and your customers during this time when you need us most. <br /> <br /> Given our more than $500 million in catastrophe losses for the quarter, Safeco's combined ratio moved from the low 90s in the first quarter to over 110 for the first half of the year. Our fundamentals, however, remain predominately strong and our combined ratio would be in the low to mid 90s for auto and near 100 for home, based on prior weather patterns. We continue to build on our momentum with several positive trends:</p> <ul style="list-style-type: disc;"> <li>New business is up near double-digits compared to prior years. </li> <li>Quote activity is up double-digits. </li> <li>Renewal retention has improved three points over the past two years. </li> <li>Our satisfaction surveys involving you and your customers have moved up significantly over the past couple of years.</li> </ul> <p>That said, we are certainly focused on improving our property results while growing that line of business. Our entire organization is focused internally on reducing costs to keep our rates competitive, but depending on the state and specific territory, we will still need to take property rate increases to reflect our loss costs over the past several years. Please continue to advise your customers on the benefit of higher deductibles, as well as the savings opportunity when they have multiple policies with Safeco. </p> <p>Going forward, our priorities remain as follows:</p> <ul style="list-style-type: disc;"> <li><strong>Superior Distribution</strong>: As a company 100% dedicated to independent agents, we continue to work with you at the local level to develop customized plans for your agency, designed to drive our mutual success. </li> <li><strong>Enhancing the Customer Experience:</strong> We are intently focused on improving the critical moments of interaction with our policyholders. Three times this year Safeco has been recognized under the J.D. Power and Associates Call Center Certification Program^SM for customer service excellence. We are proud of our Claims, Service Operations, and Sales call centers' commitment to provide "An Outstanding Customer Service Experience." </li> <li><strong>Consistent Profitable Growth</strong>: The success of annual auto, Safeco Package and our low-mileage discount are prime examples of our strategy to grow profitably. Other product improvements we're working on to assist you include a major enhancement to the Safeco Homeowners Program and changes to our teen safe driver program, which is currently being tested in two states.&nbsp; You'll learn more about these exciting product enhancements in the coming months. </li> <li><strong>Disciplined Execution:</strong> Even as we continue to focus on growth, we maintain a close watch on loss costs and expenses. Stabilizing our renewal rates has been a major contributor to our improving retention numbers. </li> <li><strong>People</strong>: The continual professional development of our staff is a cornerstone of our organization. The better our people, the easier it will be to do business with us. </li> </ul> <p>Weather aside, which is no small thing to say, the first half of 2011 has been a good one and we intend to continue our upward momentum. Thank you again for our relationship and for your business. As always, please don't hesitate to contact either of us with questions or comments, or any of our Regional General Managers.</p> Thanks,<br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> Ph 1-877-222-UROK<br /> Email TY@southernriskservices.com<br /> <br />urn:uuid:6388a3ec-5d05-4561-825d-6e10f7427545<img src='http://www.southernriskservices.com/img/%7Ewww.southernriskservices.com/Cyber%20Liability%20Flyer%20Pg%201.jpg' align='left' />Our agency recent had it&rsquo;s FIRST CYBER LIABILITY claim from one of our clients. Unfortunately there was NO COVERAGE under their normal business policy&hellip;That is the purpose of my sending you this email. As I write this email to you, we DO ...Mon, 01 Aug 2011 15:07:30 -0500<p>Our agency recent had it&rsquo;s FIRST CYBER LIABILITY claim from one of our clients. Unfortunately there was NO COVERAGE under their normal business policy&hellip;That is the purpose of my sending you this email. As I write this email to you, we DO NOT have a single commercial client that has purchased CYBER LIABILITY coverage from our agency. What is even more important is that normal business owner policies and general liability policies EXCLUDE Cyber Liability coverage. Our client had an online security breech by a former employee that was disgruntled. Upon filing the claim they found out that Cyber Liability is a specialty coverage and must be added to your commercial policy or even better yet must be added to your business using a totally separate policy just for Cyber Liability.</p> <p>This type of coverage is just now starting to &ldquo;come to life&rdquo; in the business world. We now have about three different companies offering this coverage in the last 30 days or so&hellip;. We also are in conversations with a couple of existing carriers who are creating coverages for this so that it can added to their existing policy.&nbsp; I wanted to write you and make sure that you knew about this coverage. Also that your policy&hellip; if a standard business liability policy, may not and (most likely) does not cover Cyber Liability. </p> <p>&nbsp;We have the ability now to get a quote for you on this coverage and if you would like for us to work up a basic proposal please call, fax or email us and we will be happy to do so! Below is a copy of a NEW Cyber liability flyer below to try and explain those coverages to you. If you have any questions please do not hesitate to give us a call!<br /> <br /> <br /> Terry<br /> <br /> <img alt="" width="590" height="761" src="/img/%7Ewww.southernriskservices.com/Cyber%20Liability%20Flyer%20Pg%201.jpg" /><br /> <img alt="" width="592" height="762" src="/img/%7Ewww.southernriskservices.com/Cyber%20Liability%20Flyer%20-%20Joe%20%282%29%20%282%29.jpg" /></p>urn:uuid:190be6fc-83cb-466e-891c-16843a5ed4d2Recently several SRS customers mailed in "written report cards" on how happy they were about how their recent claim was handled in the April 27th storms. As always the entire team at SRS Insurance considers it a privilege to serve our customers and w...Fri, 22 Jul 2011 09:34:52 -0500<p>Recently several SRS customers mailed in "written report cards" on how happy they were about how their recent claim was handled in the April 27th storms. As always the entire team at SRS Insurance considers it a privilege to serve our customers and we are honored by the comments below!<br /> <br /> "SRS Insurance always offers prompt, courteous service and treats me in a professional manner. They are knowledgeable about their products and helpful whenever I have questions."&nbsp; J. Collis, Kings Mountain, NC </p> <p>"I just want to say I truly appreciate the prompt service given to me during my recent claim. The staff at SRS Insurance did an excellent job and I just wanted to say thanks." H. Oliver, Gadsden, AL</p> <p> </p> <p>"I filed a claim due to the storms in Alabama on April 27. The staff at SRS Insurance was very compassionate, helpful and prompt. The agent arrived on time and I received a check in the mail that same week. Thanks SRS!" &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; P. Overby, Ashville, AL</p> <p> </p> <p>"Even though they must have been covered up with claims during the recent storms, my adjustor treated me as if I were the only client he had. Handling the claim on my home could not have been easier thanks to SRS Insurance." &nbsp;&nbsp; J. Ledbetter, Casar, NC</p> <p> </p> <p>"I am very pleased with the service I receive from SRS Insurance. They always do a great job taking care of all my insurance needs." &nbsp;&nbsp; R. King, Grant, AL</p> <p> </p> <p>"SRS Insurance stands behind the policies that they sell, and are always helpful and knowledgeable in every area." &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; D. Bridges, Lawndale, NC</p> <p>Thanks for reading!<br /> <br /> </p> <p>Terry Young<br /> President<br /> SRS Insurance Group<br /> Cell 256-504-3288<br /> Email <a href="mailto:Ty@southernriskservices.com">Ty@southernriskservices.com</a></p> <p></p>urn:uuid:7f040ea8-c8bc-4bf6-abe5-ed602ec3c58dMedicare Part A (Hospital Insurance) What Is Part A (Hospital Insurance)? Part A is hospital insurance that helps cover inpatient care in hospitals, skilled nursing facility (nursing homes), hospice (at home care for terminally sick), and home healt...Sun, 22 May 2011 06:06:01 -0500<p style="margin: 0in 0in 10.5pt;"><b>Medicare Part A (Hospital Insurance)</b></p> <p><b>What Is Part A (Hospital Insurance)? </b></p> <p style="margin: 0in 0in 18.75pt;">Part A is hospital insurance that helps cover inpatient care in hospitals, skilled nursing facility (nursing homes), hospice (at home care for terminally sick), and home health care (people who are at home who may not be terminal just sick and confined to home). </p> <p><b>How Much Does Part A Cost?</b></p> <p style="margin: 0in 0in 18.75pt;">Most people don&rsquo;t pay a Part A premium because they paid Medicare taxes while working (taxes paid out of your paycheck). This is called "premium-free Part A." </p> <p style="margin: 0in 0in 18.75pt;">If you aren't eligible for premium-free Part A, you may be able to buy Part A (cheap) if you meet one of these conditions: </p> <p style="margin: 0in 0in 3.75pt 15pt;">&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You're 65 or older, you're entitled to (or enrolling in) Part B, and you meet the citizenship or residency requirements.</p> <p style="margin: 0in 0in 3.75pt 15pt;">&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You're under 65, disabled, and your premium-free Part A coverage ended because you returned to work. (If you&rsquo;re under 65 and disabled, you can continue to get premium-free Part A for up to 8.5 years after you return to work.)</p> <p style="margin: 0in 0in 18.75pt;">In most cases, if you choose to <b>buy</b> Part A, you must also have Part B and pay monthly premiums for both. <a href="http://www.medicare.gov/navigation/medicare-basics/medical-and-drug-costs.aspx" title="Help with Medical and Drug Costs"><b>If you have limited income and resources, your state may help you pay for Part A and/or Part B.</b></a><br /> <br /> Thanks For Reading,<br /> <br /> Terry Young <br /> President<br /> SRS Insurance group<br /> Ph 1-877-222-UROK&nbsp; (8765)<br /> ty@southernriskservices.com<br /> <a href="http://www.southernriskservices.com">www.southernriskservices.com</a></p> <p>&nbsp;</p>urn:uuid:3d86a038-fae1-4093-9da0-e22e93e9d8efSummer Storm Recovery Tips GETTING STARTED A good way to begin your planning process is to gather as much information as you can. There are numerous resources available to guide you through the process of getting your household prepared to deal wit...Sun, 22 May 2011 05:34:59 -0500<strong><span style="font-size: 24px;">Summer Storm Recovery Tips</span></strong> <div class="ia-LibrarySubTitle" id="iaLibrarySubTitle"><br /> <span style="font-size: 16px;">GETTING STARTED<br /> <br /> </span>A good way to begin your planning process is to gather as much information as you can.<br /> There are numerous resources available to guide you through the process of getting your<br /> household prepared to deal with a disaster. Trusted Choice&reg; offers many<br /> disaster-specific readiness and recovery tips for consumers including the following<br /> suggestions to get started:<br /> <br /> &bull; Make a list of each of your insurance policy numbers and the insurance company name,<br /> and keep the information in your wallet, purse, or on your mobile device. For example,<br /> nearly all states use some form of a wallet-size auto ID card, which is required to be kept<br /> on your person, or in the vehicle. It's a good idea to do have similar information with you<br /> on all your other insurance coverages.<br /> <br /> &bull; Make a record of your insurance agent's web site address, and keep this information in<br /> your wallet, purse or mobile device. After a widespread catastrophe, more and more<br /> agencies post information about claims procedures on their web site. This is especially<br /> important in cases where the agency itself has been affected, and has set up temporary<br /> operations at another location. In addition, agency web sites will usually post emergency<br /> insurance claim phone numbers, etc.<br /> <br /> &bull; Use social media to contact your insurance agent. Many agencies use some form of<br /> social media, such as Facebook, Twitter, etc., and these information outlets can provide<br /> vital, timely information about claims procedures and other necessary information for<br /> policyholders.<br /> <br /> &bull; Find out how you and your neighbors would be informed about an imminent disaster. <br /> <br /> &bull; Ask if evacuation routes have been established.<br /> <br /> &bull; Contact your city's or town's planning and emergency assistance organizations. Ask<br /> them for information about disaster planning.<br /> <br /> &bull; Contact your children's school(s) or day care center to learn about the emergency plans<br /> they have in place.<br /> <br /> &bull; If a family member is in an elder care facility, check to see what emergency procedures<br /> they will follow.<br /> <br /> &bull; Take a First Aid/CPR class from the American Red Cross.<br /> <br /> &bull; If you have pets, have a contingency plan in place. Many emergency shelters won't<br /> accept them.<br /> <br /> Thnaks for reading,<br /> <br /> Terry Young<br /> President <br /> SRS Insurance Group<br /> Ph&nbsp; 1-877-222-UROK (8765)<br /> ty@southernriskservices.com<br /> www.southernriskservices.com<br /> <br /> </div>urn:uuid:49e11909-38b0-414d-bbbc-c3bf0018eb6cWe all know it's unlawful to discriminate based on race, gender or age.&nbsp; But, did you know that it could also pose problems if you ask about one's family life or their health habits?&nbsp; I recently heard a presentation on employment practices,...Fri, 13 May 2011 09:59:08 -0500<p><span style="font-size: 18px;">We all know it's unlawful to discriminate based on race, gender or age.&nbsp; But, did you know that it could also pose problems if you ask about one's family life or their health habits?&nbsp; I recently heard a presentation on employment practices, and one of the examples was about an interviewer making the mistake of asking if a potential employee smoked.&nbsp; He implied that it would affect their group health insurance rate and that smoking was not tolerated on the office grounds.&nbsp; <br /> <br /> The company was sued, and it turned out to be a violation of private and personal rights.&nbsp; Another example was given about a pregnant lady.&nbsp; A simple seemingly harmless conversation about the woman's due date and the intentions of coming back to work after she had the baby led to an alleged discrimination lawsuit when she did not get the position she was interviewing for, even though this was not the reason she was not hired. </span></p> <p><span style="font-size: 18px;">How can you protect yourself?&nbsp; With interviewing potential employees, use the same list of scripted interview questions for all applicants.&nbsp; If you ask a question to one applicant, it should be asked to all applicants, and do not deviate from the list.&nbsp; Also, remember to keep your employee practices liability insurance up to date.&nbsp; Even if you didn't do anything wrong and are found innocent, the costs to defend you can be financially devastating.&nbsp; If you have questions about your employee practices coverage or would like to receive a proposal, simply call me at 1-877-222-UROK to discuss your risk management and protection options.<br /> <br /> Thanks for reading...<br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> Ph 1-877-222-8765<br /> email&nbsp; <a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a></span></p>urn:uuid:3032d711-b4b5-4e35-818a-010e3c9a9903AL: Payment grace period for affected customers In response to the recent severe storm activity, the Alabama Insurance Department issued a moratorium&nbsp;instructing all insurance companies to provide a 30-day grace period to policyholders who exper...Tue, 10 May 2011 16:00:48 -0500<p><b>AL: Payment grace period for affected customers</b></p> <p>In response to the recent severe storm activity, the Alabama Insurance Department issued a <a href="http://cl.exct.net/?ju=fe1c17707c620378701c78&amp;ls=fdbb1571776d037e7612737c6c&amp;m=fe5e157074630079721d&amp;l=fe58157776630d787214&amp;s=fe2910717d67027c721c70&amp;jb=ffcf14&amp;t=">moratorium</a>&nbsp;instructing all insurance companies to provide a 30-day grace period to policyholders who experienced loss or damage due to the April 27-28^th storms and are temporarily unable to pay their premiums.</p> <p>In response to this directive, Safeco placed a hold on any cancellations for non-payment of premium for policyholders in storm impacted areas.&nbsp; This hold will remain in effect through May 27^th.</p> <p>If you have any questions regarding a customer's eligibility for a premium extension if they reside outside the storm impacted areas, please contact our billing support department at 877-566-6001.</p> <p><b><i>Note:</i></b> &nbsp;The directive does not relieve consumers of responsibility to pay for premiums, nor would it prevent companies from cancelling after May 27.</p> <p>Thank you for attention to this matter. If you have any questions, please contact your Territory Manager or Agency Specialist.</p>urn:uuid:ad0d521c-e53f-44a0-a7c2-482723bbc00cDate: May 10, 2011 To: AHBSIF Brokers From: Deb McCurdy, Underwriting Manager Re: Tornado Debris Clean-up, Reconstruction &amp; Disaster Relief If you have new clients or AHBSIF members interested in working with FEMA on debris removal, reconstructio...Tue, 10 May 2011 15:59:46 -0500<p style="text-align: left;">Date: May 10, 2011</p> <p style="text-align: left;">To: AHBSIF Brokers</p> <p style="text-align: left;">From: Deb McCurdy, Underwriting Manager</p> <p style="text-align: left;">Re: Tornado Debris Clean-up, Reconstruction &amp; Disaster Relief</p> <p style="text-align: left;">If you have new clients or AHBSIF members interested in working with FEMA on debris</p> <p style="text-align: left;">removal, reconstruction and other disaster relief in the aftermath of the recent tornadoes, they</p> <p style="text-align: left;">are encouraged to visit the contractor page on FEMA&rsquo;s website.</p> <p style="text-align: left;">From here they will be directed to register through the Central Contractor Registration website.</p> <p style="text-align: left;">Note that they MUST have a D&amp;B Data Universal Numbering System (DUNS) number in order</p> <p style="text-align: left;">to register with the Central Contractor site.</p> <p style="text-align: left;">All workers out in the field need to keep in mind that OSHA will be out in full force looking for</p> <p style="text-align: left;">jobsite safety violations. Remember that AHBSIF has Loss Control Representatives available</p> <p style="text-align: left;">to provide safety training and guidance to help our contractors keep their site safe and avoid</p> <p style="text-align: left;">OSHA violations. For more information contact your underwriter.</p> <p style="text-align: left;">AHBSIF has determined that FEMA will require all owners, officers, partners, and LLC</p> <p style="text-align: left;">members to be included in coverage. We have approval from the Department of Industrial</p> <p style="text-align: left;">Relations to accept inclusions for coverage immediately in lieu of their normal waiting period.</p> <p style="text-align: left;">Let your Underwriter know if you need any exclusions voided and apply coverage for your</p> <p style="text-align: left;">clients. Refer to our website for forms under on-line forms.</p> <p>The AHBSIF is here to serve as your resource for issues regarding the rebuilding process.<br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> Ph 1-877-222-8765</p>urn:uuid:21c99a89-2902-4ae9-bc6b-c07b45b0e37d Travelers Implemented Billing Disaster Relief Plan in Alabama Applies to: All Lines of Personal Insurance Due to the...Tue, 10 May 2011 11:35:07 -0500<table width="600" style="width: 6.25in;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 7.5pt; padding-left: 0in; padding-right: 0in; background: white; padding-top: 7.5pt;border: #f0f0f0;"> <p style="text-align: center;"><b>Travelers Implemented Billing Disaster Relief Plan <br /> in Alabama</b></p> </td> </tr> <tr> <td style="padding-bottom: 7.5pt; padding-left: 7.5pt; padding-right: 7.5pt; background: white; padding-top: 7.5pt;border: #f0f0f0;"> <p style="line-height: 12pt; margin: 0in 0in 12pt;">Applies to: All Lines of Personal Insurance<br /> <br /> Due to the recent severe storms that have occurred in Alabama we have initiated our <b>Billing Disaster Relief Plan</b> which includes the following measures for the <a href="http://ems.travelers.com/trvl40/c2.php?TRV2/3459280/33625/H/N/V/http://imgp.travelers.com/imgs/travelers/oeoiaa/AL_Tornado_Zip_Codes.pdf">impacted zip codes</a>.</p> <table width="100%" id="table2" style="width: 100%;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p>&nbsp;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p>&bull;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p>If a Cancellation for Non-Payment Notice or Offer to Reinstate is scheduled, a normal bill will be issued instead. The minimum due on that bill will be any past due amount plus the current installment.</p> </td> </tr> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 2.25pt;border: #f0f0f0;"> <p>&nbsp;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 2.25pt;border: #f0f0f0;"> <p>&bull;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 2.25pt;border: #f0f0f0;"> <p>The following message will be on all account bills:</p> </td> </tr> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 2.25pt;border: #f0f0f0;"> <p>&nbsp;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 2.25pt;border: #f0f0f0;"> <p>&nbsp;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 7.5pt;border: #f0f0f0;"> <table width="100%" id="table2" style="width: 100%;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p>&nbsp;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p>o</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p>"We are aware of the severe storms that have occurred in your area. We are deeply concerned about the welfare of those who live and work in the areas affected by the storms. We hope you, your family and loved ones did not experience any personal losses. In order to assist our customers who have been directly affected by the severe weather, we are willing to work out temporary payment arrangements. If you need this type of assistance, please contact your insurance representative. They will be able to help you."</p> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <p style="line-height: 12pt;"><b>The Insurance Commissioner also issued the following directive to all property and casualty insurers in Alabama:</b></p> <table width="100%" id="table2" style="width: 100%;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p>&nbsp;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p>&bull;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p>As to any insurance policy provision, notice, correspondence or law which imposes a time limit upon an insured who suffered damage in the storms of April 27-28th&nbsp;to perform any act or transmit information or funds with respect to such an insurance contract, which act was to have been performed on or after April 27, 2011, the time limit shall be extended to and including May 27, 2011.</p> </td> </tr> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 2.25pt;border: #f0f0f0;"> <p>&nbsp;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 2.25pt;border: #f0f0f0;"> <p>&bull;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 2.25pt;border: #f0f0f0;"> <p>This extension of time shall not relieve a policyholder who has a storm claim from compliance with their obligations to provide information and cooperate in the claim adjustment process.</p> </td> </tr> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 2.25pt;border: #f0f0f0;"> <p>&nbsp;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 2.25pt;border: #f0f0f0;"> <p>&bull;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 2.25pt;border: #f0f0f0;"> <p>No interest, penalties, or other charges shall be accrued or assessed as a result of the extension.</p> </td> </tr> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 2.25pt;border: #f0f0f0;"> <p>&nbsp;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 11.25pt; padding-right: 0in; padding-top: 2.25pt;border: #f0f0f0;"> <p>&bull;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 2.25pt;border: #f0f0f0;"> <p>This directive shall not apply to new policies issued on or after April 28, 2011.</p> </td> </tr> </tbody> </table> <p style="line-height: 12pt;">It is Travelers intent to comply with the Commissioner's directive and provide maximum consideration to impacted customers.<br /> <br /> Normal processing will resume with bills and notices dated <b>June 1, 2011</b> unless information between now and then suggests we should extend the date or stop the plan. <br /> <br /> If you have any questions regarding this message, please contact the ABS Hotline <br /> at (860) 277-2455.</p> </td> </tr> </tbody> </table> <br /> <br /> Thanks for reading,<br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> Ph 1-877-222-8765<br /> <a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a>urn:uuid:0c25e8f5-2a28-443f-a121-8c04fa848c2bDid you know that bikes are associated with more childhood injuries than any other consumer product except automobiles.&nbsp; Sadly, child bicycling deaths increase 45% above the month average in the summer.&nbsp; With 27M children riding bikes, we k...Tue, 10 May 2011 07:43:13 -0500<p>Did you know that bikes are associated with more childhood injuries than any other consumer product except automobiles.&nbsp; Sadly, child bicycling deaths increase 45% above the month average in the summer.&nbsp; With 27M children riding bikes, we know there are too many of those kids riding without a helmet.&nbsp;That's why we need your support to help raise awareness and donate now so that we can reach more parents and ensure that all children who are riding bikes this summer will be wearing a helmet.&nbsp;&nbsp;</p> <p>Bile helmets are a necessity, not an accessory.&nbsp;Learning how to ride a bike is a rite of passage in childhood, and it's an activity that families can certainly do together.&nbsp; However, there are some important things for you to consider before jumping on that bike.&nbsp;Make it a rule, every time you and your child rides a bike, where a bicycle helmet.&nbsp; It's the single most effective safety device to reduce head injury and death from a bicycle crash.&nbsp; In order to maximize protection, ensure the helmet fits properly.&nbsp; The helmet should sit on top of the head in a level position, and should not rock back and forth or side to side.&nbsp; The helmet straps must always be buckled but not too tightly.&nbsp;&nbsp;&nbsp;&nbsp;</p> <p>Top bike safety tips.&nbsp;&nbsp;&nbsp;</p> <p>- Make it a rule every time you and your child ride a bike, where a bicycle helmet that meet safety standards developed by the US Consumer Product Safety Commission.&nbsp;&nbsp;</p> <p>- If your child is reluctant to wear a helmet, try letting him or her choose their own.&nbsp;&nbsp;Helmet fit is important.&nbsp;&nbsp;&nbsp;</p> <p>- Make sure the helmet fits and your child knows how to put it on correctly.&nbsp; The helmet should sit on top of the head in the level position and should not rock back and forth or side to side.&nbsp;&nbsp;&nbsp;&nbsp;</p> <p>- The helmet straps must always be buckled by not too tightly.&nbsp;Try the eyes, ears and mouth test.&nbsp;&nbsp;&nbsp;&nbsp;</p> <p>- Eyes check, position the helmet on your head.&nbsp; Look up and you should see the bottom rim of the helmet.&nbsp; The rim should be to one to two fingers width above your eyebrows.&nbsp;&nbsp;&nbsp;&nbsp;</p> <p>- Ears check.&nbsp; Make sure the straps of the helmet form a V under your ears when buckled.&nbsp; The straps should be snug but comfortable.&nbsp;&nbsp;</p> <p>- Mouth check.&nbsp; Open your mouth as wide as you can.&nbsp; Do you feel the helmet hug your head.&nbsp;&nbsp;</p> <p>Proper equipment, fit and maintenance are also important for safety.&nbsp; Ensure proper bike fit but bringing child along when shopping for the bike.&nbsp; By a bicycle that is the right size for the child not the one they will grow into.&nbsp; When sitting on the seat, the child's feet should be able to touch the ground.</p> <p>Thanks for reading and have a safe summer riding your bikes!<br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> Ph 1-877-222-8765<br /> <a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a></p>urn:uuid:6c699011-2d2d-4908-8208-ea861e02fedeRISK MANAGEMENT FOR AERIAL EQUIPMENT &amp; ELECTRICAL HAZARDS Job Steps Using aerial lifts to do tree work near utility lines. Potential Hazards &nbsp;Electricity &nbsp;Non-insulated aerial lifts &nbsp;Electrically charged chippers ...Sun, 08 May 2011 14:59:08 -0500<p class="PageTitle" style="text-align: center;"><strong><span style="font-size: 18px;">RISK MANAGEMENT FOR AERIAL EQUIPMENT &amp; ELECTRICAL HAZARDS</span></strong></p> <p><strong>Job Steps</strong><br /> Using aerial lifts to do tree work near utility lines.</p> <p><strong>Potential Hazards</strong></p> <ul> <li>&nbsp;Electricity </li> <li>&nbsp;Non-insulated aerial lifts </li> <li>&nbsp;Electrically charged chippers </li> <li>&nbsp;Dirty insulated aerial lifts </li> </ul> <p><strong>Action Steps</strong><br /> Always know where the utility lines are in relation to you and your equipment. Never work with your back to the wires or move a bucket into position without looking where you are going.</p> <p>Maintain a safe working distance from the wires. Aerial booms can conduct electricity, creating a hazard for the operator as well as the people on the ground.</p> <p><strong>How Could This Accident Have Been Prevented?</strong><br /> An experienced qualified line clearance tree trimmer was removing a large popular tree that was about 5 feet from a 35,000 volt line. He was working out of a 55 foot bucket truck that was fully insulated and had recently passed all of the necessary safety and maintenance inspections.</p> <p>The bucket operator had removed most of the tree and was working on the 45-foot high butt section. He was chunking down 10 feet sections when the top he was cutting settled down onto the saw, jamming it. Being unable to remove the saw and getting very frustrated -he maneuvered the bucket up higher to get better leverage while continuing to grasp the saw. This is when his forehead (he was not wearing a hard hat) came into contact with the 35kV line, killing him instantly.</p> <p><strong>Q:</strong> Why was he killed even though he was in an insulated bucket?</p> <p><strong>A:</strong> This qualified line clearance tree trimmer was killed because he forgot where he was. He also forgot the first rule of electricity - electricity is always looking for a path to the ground - and while the electricity will not flow through an insulated piece of equipment such as an aerial lift, it will travel through a tree and you.</p> If any part of your body touches a grounded object such as a tree or a wet rope and you also come into contact - directly or indirectly - with an energized wire, you become a path to the ground.<br /> <br /> Thx for reading,<br /> <br /> Terry Young<br /> President<br /> Ph 1-877-222-8765 (UROK)<br /> <a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a>urn:uuid:6b1cac7d-7945-435b-89d1-0300f4c5d33aI need people looking to hire now...25 yr old Gadsden Insurance Agency to add addl staff in Commercial / Personal Ins depts. Exp req, licensed preferred, Applied Sys exp. BIG plus, send resume tycollc@gmail.com or fax 256-295-9155. Opening now , Grt ...Sun, 08 May 2011 08:43:00 -0500I need people looking to hire now...25 yr old Gadsden Insurance Agency to add addl staff in Commercial / Personal Ins depts. Exp req, licensed preferred, Applied Sys exp. BIG plus, send resume tycollc@gmail.com or fax 256-295-9155. Opening now , Grt pay, benefits &amp; opportunity for advancement.<br /> <br /> Thanks,<br /> <br /> Terry Young<br /> President<br /> SRS Insurance group<br /> Ph 1-877-222-8765 (UROK)<br /> ty@southernriskservices.com<br />urn:uuid:85781888-8e0d-4ff1-add1-3618fef1f78dDear&nbsp;Alabama&nbsp;Agents, Events that occurred April 27, 2011&nbsp;will be&nbsp;remembered for many years to come.&nbsp; I&nbsp;&nbsp;have been in the field visiting&nbsp;the hardest hit areas and it saddens me to think of all of those people su...Sat, 07 May 2011 10:28:50 -0500<p>Dear&nbsp;Alabama&nbsp;Agents,</p> <p>Events that occurred April 27, 2011&nbsp;will be&nbsp;remembered for many years to come.&nbsp; I&nbsp;&nbsp;have been in the field visiting&nbsp;the hardest hit areas and it saddens me to think of all of those people suffering.&nbsp;&nbsp;This year I celebrated my&nbsp;25th&nbsp; anniversary with Auto-Owners&nbsp;and&nbsp;I lived through some terrible hurricanes, but&nbsp;this is the worst devastation I have ever seen.&nbsp;&nbsp;&nbsp;I'm&nbsp;pleased to report,&nbsp;none of&nbsp;of &nbsp;the Auto-owners&nbsp;associates&nbsp;suffered&nbsp;any&nbsp;damage; however,&nbsp;many of our agents and agency staff did not fair as well.&nbsp;&nbsp;If your agency is one of&nbsp;many&nbsp;affected by these storms,&nbsp;please know you, your staff, your families and neighbors are in our hearts and prayers as they recover.</p> <p>&nbsp;The&nbsp;hardest hit areas&nbsp;to Auto-Owners&nbsp;appear to be&nbsp;in Tuscaloosa, Pleasant Grove, Cullman, Gadsden and Guntersville areas. While there&nbsp;were many other areas&nbsp;affected,&nbsp;these areas have the greatest number of losses.&nbsp;&nbsp;We are doing everything in our&nbsp;power&nbsp;to expedite the handling of claims fairly and promptly.&nbsp; As of&nbsp;yesterday,&nbsp;there have been&nbsp;1700 claims reported and entered into our&nbsp;system&nbsp;and many more are still coming in to the Birmingham/Montgomery claims&nbsp;offices.&nbsp; </p> <p>&nbsp;The region has&nbsp;three catastrophic teams on the ground with approximately a dozen or more adjusters in the field.&nbsp;&nbsp;United Storm Adjusters are&nbsp;&nbsp;assigned I-65 West, CAT Crew are&nbsp;assigned I-65 East and Evers &amp; Associates are assigned to Birmingham and Huntsville metro areas.&nbsp; Also, we have five Auto-Owners field claims adjusters&nbsp;in&nbsp;the Birmingham region and four Auto-Owners branch claim adjusters to assist&nbsp;your&nbsp;automobile&nbsp;customers needs.&nbsp;&nbsp;We have five additional Auto-Owners adjusters from other states that arrived Sunday to assist the Birmingham area.&nbsp; We have four claims support staff in the Birmingham branch taking phone calls and entering in claims&nbsp;.&nbsp; This last week, two marketing reps, two underwriting field reps and&nbsp;I&nbsp;assisted in making first contact with our customers.&nbsp; </p> <p>&nbsp;We understand it will take a long time to&nbsp;recover&nbsp;from this&nbsp;storm&nbsp;event, but&nbsp;our mission is to pay all we&nbsp;owe, no more than we owe and to be the best&nbsp;service provider in&nbsp; the industry.&nbsp; We do not take these words lightly.&nbsp;<em>Please&nbsp;let me know if you have other thoughts or suggestions on how our region might better meet your needs or expectations during these difficult times.</em></p> <p>&nbsp;Again, our thoughts are with you and your customers during this challenging time.&nbsp;&nbsp;&nbsp;&nbsp;</p> <p>Sandra McCullough, -</p> <p>Regional Vice President, Montgomery Region</p> <p>(<b>Phone: </b><b>(800) 548-9881 ext 7725</b><br /> (<b>Fax: </b><b>(334)&nbsp;271-0089</b><b>&nbsp;</b><br /> :<b>Email:&nbsp;<a href="blocked::mailto:McCullough.Sandra@aoins.com" title="blocked::mailto:mccullough.sandra@aoins.com" target="_blank">McCullough.Sandra@aoins.com</a><br /> <br /> At SRS Insurance we are proud to be agents for Auto Owners and we are very happy to be part of their team. <br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> Ph 1-877-222-UROK<br /> ty@southernriskservices.com<br /> </b></p> <p>&nbsp;</p>urn:uuid:dad63811-c979-479e-a22b-57a26fefaff4 To Auto-Owners Agents and Customers: &nbsp; RE: ALABAMA POLI...Fri, 06 May 2011 08:07:53 -0500<table width="100%" style="width: 100%; border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 100%; padding-right: 5.4pt; padding-top: 0in;border: #f0f0f0;" colspan="2"> <p>To Auto-Owners Agents and Customers:</p> </td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 100%; padding-right: 5.4pt; padding-top: 0in;border: #f0f0f0;" colspan="2"> <p>&nbsp;</p> </td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 6.32%; padding-right: 5.4pt; padding-top: 0in;border: #f0f0f0;"> <p style="text-align: justify;">RE:</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 93.68%; padding-right: 5.4pt; padding-top: 0in;border: #f0f0f0;"> <p style="text-align: justify;">ALABAMA POLICY CANCELLATION OR NONRENEWAL</p> </td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 100%; padding-right: 5.4pt; padding-top: 0in;border: #f0f0f0;" colspan="2"> <p style="text-align: justify;">&nbsp;</p> </td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 6.32%; padding-right: 5.4pt; padding-top: 0in;border: #f0f0f0;"> <p style="text-align: justify;">&nbsp;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 93.68%; padding-right: 5.4pt; padding-top: 0in;border: #f0f0f0;"> <p style="text-align: justify;">In response to the recent tornadoes that occurred in Alabama, we are placing a moratorium on the issuance of policy cancellation and nonrenewal notices for all lines of insurance.&nbsp; This moratorium will continue until May 28, 2011 unless extended by the Alabama Department of Insurance.&nbsp; Policyholder requested cancellations are not subject to the moratorium.&nbsp; During this period, any policy provision, notice, correspondence or law which imposes a time limit upon an insured who suffered damage in the storms of April 27 and 28, is extended to May 28, 2011.&nbsp; The moratorium does not apply to Flood policies.</p> </td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 100%; padding-right: 5.4pt; padding-top: 0in;border: #f0f0f0;" colspan="2"> <p style="text-align: justify;">&nbsp;</p> </td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 6.32%; padding-right: 5.4pt; padding-top: 0in;border: #f0f0f0;"> <p style="text-align: justify;">&nbsp;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 93.68%; padding-right: 5.4pt; padding-top: 0in;border: #f0f0f0;"> <p style="text-align: justify;">If you have any questions, please contact your Auto-Owners&nbsp;Agent.</p> </td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 100%; padding-right: 5.4pt; padding-top: 0in;border: #f0f0f0;" colspan="2"> <p style="text-align: justify;">&nbsp;</p> </td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 100%; padding-right: 5.4pt; padding-top: 0in;border: #f0f0f0;" colspan="2"> <p style="text-align: justify;">Thank you.</p> </td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 100%; padding-right: 5.4pt; padding-top: 0in;border: #f0f0f0;" colspan="2"> <p style="text-align: justify;">&nbsp;</p> </td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 100%; padding-right: 5.4pt; padding-top: 0in;border: #f0f0f0;" colspan="2"> <p>&nbsp;</p> </td> </tr> </tbody> </table> This notice above was issued today by Auto Owners basically giving customers with Auto Owners policies "some breathing room" on insurance premiums due to the storms. They have given extensions on conacelations for various reasons until May 28, 2011. Our agency would like to thank Auto Owners for helping our customers during these trying times. <br /> <br /> Terry Young<br /> President<br /> SRS Insurance<br /> Ph 1-877-222-UROK (8765)<br />urn:uuid:803870f8-d5b9-4a8b-b994-0c114c3f2f05Do you need more time to make your insurance payments due to the severe weather in your area? We hope that you and your family are safe following the severe weather in your area. We're here to help. If you nee...Thu, 05 May 2011 20:52:06 -0500<p style="margin: 0in 0in 12pt;"><strong>Do you need more time to make your insurance payments due to the severe weather in your area?</strong><br /> <br /> We hope that you and your family are safe following the severe weather in your area.</p> <table width="425" style="width: 318.75pt;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p>We're here to help. If you need extra time to make a payment, call us at <strong>1-800-876-5581</strong>. We'll work with you to make sure you stay covered.</p> </td> </tr> </tbody> </table> <br /> If you need to report a claim, go to <a href="http://re.progressiveagent.com/?ie034669880335+H10" target="_blank"><strong>claims.progressive.com</strong></a> or call us at <strong>1-800-274-4499</strong> anytime.<br /> <br /> Thank you for choosing us.<br /> <br /> Terry Young<br /> President<br /> SRS Insurance<br /> Ph&nbsp; 1-877-222-UROK<br /> <a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a>urn:uuid:78bbe158-953b-4e81-8d89-4315c7f80c1aCRITICAL PHONE NUMBERS FOR INSURANCE CARRIERS: Listed below are the critical numbers that you may need to file a claim or discuss your claim during these times of weather related storms.... Thx, Terry Young Ph 1-877-222-UROK ty@southernriskservice...Thu, 05 May 2011 20:31:10 -0500CRITICAL PHONE NUMBERS FOR INSURANCE CARRIERS:<br /> <br /> Listed below are the critical numbers that you may need to file a claim or discuss your claim during these times of weather related storms....<br /> <br /> Thx,<br /> <br /> Terry Young<br /> Ph 1-877-222-UROK<br /> ty@southernriskservices.com<br /> <br /> <p>Auto Owners &ndash; 1-800-437-0378</p> <p>&nbsp;</p> <p>Colonial Group &ndash; 800-628-3762</p> <p>&nbsp;</p> <p>Farmers Ins Group &ndash; 1-800-HELP POINT (435-7764)</p> <p>Farmers Ins for Hearing Impaired</p> <p>1-888-891-1660</p> <p>&nbsp;</p> <p>Foremost &ndash; 1-800-527-3907</p> <p>&nbsp;</p> <p>Foremost &ndash; Spanish &ndash; 1-877-732-5266</p> <p>&nbsp;</p> <p>Hagerty &ndash; 800-747-5348</p> <p>&nbsp;</p> <p>Humane Society Pet Hotline for Greater Birmingham &ndash; 1-205-397-8534</p> <p>&nbsp;</p> <p>Johnson &amp; Johnson &ndash; 1-800-487-7565, Ext 5024</p> <p>Fax 1-843-577-1526</p> <p>Email &ndash; <a href="mailto:claims@jjins.com">claims@jjins.com</a></p> <p>&nbsp;</p> <p>MetLife Property &amp; Casualty</p> <p>800-854-6011 Claims Fax #</p> <p>&nbsp;</p> <p>Montgomery Insurance &ndash; 1-800-561-0178</p> <p>&nbsp;</p> <p>National Security 800-239-2358</p> <p>&nbsp;</p> <p>Ohio Casualty Insurance &ndash; 1-866-255-5530</p> <p>&nbsp;</p> <p>Progressive &ndash; 877-776-2436</p> <p>&nbsp;</p> <p>RLI &ndash; 309-692-1001</p> <p>&nbsp;</p> <p>Safeco &ndash; 1-800-332-3226</p> <p>&nbsp;</p> <p>State Farm &ndash; 1-800-SF Claim (732-5246)</p> <p>&nbsp;</p> <p>The Hartford &ndash; 1-800-243-5860</p> <p>&nbsp;</p> <p>Tokio Marine Claims &ndash; 1-877-567-7486</p> <p>&nbsp;</p> <p>Travelers &ndash; Personal &ndash; 1-800-252-4633</p> <p>Travelers&nbsp; - Commercial &ndash; 1-800-238-6225</p> <p>&nbsp;</p> <p>Zurich &ndash; 800-800-3907</p> <p>&nbsp;</p>urn:uuid:ba555fb4-2a6a-4c37-9b85-2f8c43f4ee0cTo: Travelers&nbsp;Clients and Agents&nbsp;in Alabama From: Chris Burr, Alabama Claim Vice President Re: Disaster Resources &nbsp; Since last week&rsquo;s devastating tornadoes, Travelers has been working hard to respond to our Alabama agents and c...Thu, 05 May 2011 19:38:21 -0500<p><strong>To: Travelers&nbsp;Clients and Agents&nbsp;in Alabama</strong><b><br /> <br /> <strong>From: Chris Burr, Alabama Claim Vice President</strong><br /> <br /> <strong>Re: Disaster Resources</strong></b><br /> &nbsp;<br /> Since last week&rsquo;s devastating tornadoes, Travelers has been working hard to respond to our Alabama agents and customers. I wanted to take a moment to give you a quick overview of some of the resources available to help you and your customers with the recovery process.<br /> &nbsp;</p> <ul style="list-style-type: disc;"> <li>More than 300 trained claim professionals are currently on the ground in Alabama and dedicated to handling losses in your state. They are supported by hundreds of additional claim professionals and specialist resources in our National Catastrophe Center in Connecticut for inside claim coordination and assistance, as well as further operational support. Our Alabama Response Team includes claim professionals from our local Alabama and Georgia staff, members of our national Catastrophe team, and claim professionals from Travelers offices around the country. The Travelers Claim organization is 13,000 people strong, and we stand prepared to dedicate all of the resources necessary to provide help to you and our mutual customers.</li> </ul> <p style="margin: 0in 0in 12pt 0.5in;">&nbsp;</p> <ul style="list-style-type: disc;"> <li>Three Mobile Claim offices have been deployed to Alabama. These are self contained offices on wheels, so that we are able to bring our offices to you and our customers. You and our customers will be able to begin the claim process, receive an advance on a covered loss, seek additional help on an existing claim, speak to one of our managers, or access the Internet through our mobile network. Hours of operation are 7 a.m. to 7 p.m.</li> </ul> <p style="margin: 0in 0in 12pt 0.5in;">&nbsp;</p> <ul style="list-style-type: disc;"> <li>Mobile Claim Offices are currently located as follows: <ul style="list-style-type: circle;"> <li><strong>Birmingham: 3925 Crosshaven Drive, Vestavia Hills</strong> (Winn-Dixie parking lot, near exit 13 off I-459) <a href="http://ems.travelers.com/TRV2/jN3274571_32044_32043_Z.htm" title="Map it" target="_blank">Map it</a></li> </ul> </li> </ul> <p style="margin: 0in 0in 12pt 1in;">&nbsp;</p> <ul style="list-style-type: disc;"> <ul style="list-style-type: circle;"> <li><strong>Cullman: 1718-a 2nd Ave. NW </strong>(in front of Enterprise Car Rental, on Route 31 between exits 308 and 310 off I-65) <a href="http://ems.travelers.com/TRV2/jN3274571_32045_32043_Z.htm" title="Map it" target="_blank">Map it</a></li> </ul> </ul> <p style="margin: 0in 0in 12pt 1in;">&nbsp;</p> <ul style="list-style-type: disc;"> <ul style="list-style-type: circle;"> <li><strong>Tuscaloosa: 1601 13th Ave. East</strong> (in front of Home Depot) <a href="http://ems.travelers.com/TRV2/jN3274571_32046_32043_Z.htm" title="Map it" target="_blank">Map it</a></li> </ul> </ul> <p style="margin: 0in 0in 12pt 1in;">&nbsp;</p> <ul style="list-style-type: disc;"> <li>A special <strong>Alabama Agency Storm Response Hotline </strong>-- <strong>1.800.527.2416</strong> &ndash; has been established for Alabama agents. <strong>Please call us if you need assistance with a claim, if you have coverage questions, or if you need to access a tree removal or roof tarping vendor</strong>.</li> </ul> <p style="margin: 0in 0in 12pt 0.5in;">&nbsp;</p> <ul style="list-style-type: disc;"> <li>We have implemented our national tree removal and roof tarping program in Alabama to assist our customers. In addition, our claim professionals can make other vendor referrals for customers using our local and national contractor networks, or you can access this information at <a href="http://ems.travelers.com/trvl40/c2.php?TRV2/3274571/32047/H/N/V/http://www.travelers.com/claim/catastrophe-resources">http://www.travelers.com/claim/catastrophe-resources</a>. In many cases, we can direct-bill any vendor payments.</li> </ul> <p style="margin: 0in 0in 12pt 0.5in;">&nbsp;</p> <ul style="list-style-type: disc;"> <li>Dedicated Agency Relationship Managers have been established for all Alabama agents. They will contact you directly to provide updates on your claims and follow up on any questions. As a reminder, you can log in to our Agent HQ agency portal (<a href="http://ems.travelers.com/trvl40/c2.php?TRV2/3274571/32048/H/N/V/http://www.travelersagents.com">www.travelersagents.com</a>) 24/7 to download a list of claims for your agency.</li> </ul> <p>&nbsp;</p> <p ><strong>KEY INFORMATION:</strong><b><br /> <strong>&nbsp;</strong><br /> <strong>To Report a Claim:</strong></b></p> <ul style="list-style-type: disc;"> <li>Personal Insurance: <strong>1.800.CLAIM33 (1.800.252.4633)</strong></li> <li>Business Insurance: <strong>1.800.238.6225</strong></li> <li>Online: <strong><a href="http://ems.travelers.com/trvl40/c2.php?TRV2/3274571/32049/H/N/V/https://secure.travelers.com/claim/Claim-Reporting.aspx">https://secure.travelers.com/claim/Claim-Reporting.aspx</a></strong></li> </ul> <p><strong>Alabama Agency Storm Response Hotline: 1.800.527.2416</strong></p> <p><strong>Claim Notification via Travelers Agency Portal: &nbsp;<a href="http://ems.travelers.com/trvl40/c2.php?TRV2/3274571/32050/H/N/V/http://www.travelersagents.com">www.travelersagents.com</a> </strong><br /> <br /> <strong>Claim Office Locations</strong> (Hours of operation: 7 a.m. &ndash; 7 p.m.):</p> <ul style="list-style-type: disc;"> <li><strong>Birmingham: 3925 Crosshaven Drive, Vestavia Hills</strong> (Winn-Dixie parking lot, near exit 13 off I-459) <a href="http://ems.travelers.com/TRV2/jN3274571_32051_32043_Z.htm" title="Map it" target="_blank">Map it</a></li> </ul> <p style="margin: 0in 0in 12pt 0.5in;">&nbsp;</p> <ul style="list-style-type: disc;"> <li><strong>Cullman: 1718-a 2nd Ave. NW</strong> (in front of Enterprise Car Rental, on Route 31 between exits 308 and 310 off I-65) <a href="http://ems.travelers.com/TRV2/jN3274571_32052_32043_Z.htm" title="Map it" target="_blank">Map it</a></li> </ul> <p style="margin: 0in 0in 12pt 0.5in;">&nbsp;</p> <ul style="list-style-type: disc;"> <li><strong>Tuscaloosa: 1601 13th Ave. East</strong> (in front of Home Depot) <a href="http://ems.travelers.com/TRV2/jN3274571_32053_32043_Z.htm" title="Map it" target="_blank">Map it</a></li> </ul> <p style="margin: 0in 0in 12pt 0.5in;">&nbsp;</p> <p><strong>Claim Executive Team Agent Liaisons:</strong></p> <p><strong>Linda Lewis</strong>, 678.334.1582 / <a href="mailto:llewis3@travelers.com">llewis3@travelers.com</a></p> <strong>Paul Kearney</strong>, 678.800.5972 / <a href="mailto:PKEARNE2@travelers.com">PKEARNE2@travelers.com</a><br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> Ph 1-877-222-UROK (8765)<br /> <a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a>urn:uuid:28c64882-1f38-4446-94f5-3b92a33107c6<img src='http://image.agent.thehartford.com/lib/ffcf14/m/1/spacer.gif' align='left' /> ...Sun, 01 May 2011 11:20:37 -0500<table width="100%" style="width: 100%;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <table width="100%" style="width: 100%;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p><img alt="" width="1" height="10" id="_x0000_i1025" style="display: block;border: 0px solid;" src="http://image.agent.thehartford.com/lib/ffcf14/m/1/spacer.gif" /></p> </td> </tr> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <table width="100%" style="width: 100%;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 33%; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"></td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 2%; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p><img alt="" width="10" height="1" id="_x0000_i1026" style="display: block;" src="http://image.agent.thehartford.com/lib/ffcf14/m/1/spacer.gif" /></p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 65%; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"></td> </tr> </tbody> </table> </td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 7.5pt;border: #f0f0f0;"> <table width="100%" style="width: 100%;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <table width="100%" style="width: 100%;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p><b>Prepared to Help. 24/7.</b><br /> <b>To report a claim, visit us&nbsp;<a href="http://click.agent.thehartford.com/?qs=3883bebf060ab44772b58f07cfd13a89783a33b180402e425844c3de5e96f044" title="http://click.agent.thehartford.com/?qs=b050bd1b08ef139ba26fba752986e402c2607b0a7065925dc833c3e399de0154 www.thehartford.com/heretohelp">online</a>&nbsp;or call 1-800-243-5860.</b></p> <p>As Alabama looks to recover from the recent severe weather, The Hartford wants to remind you that our claims professionals are ready to assist our customers day or night. Claims adjusters are in the area to personally respond to our customers' needs.</p> <p><b>Useful Information for Your Customers</b></p> <ul style="list-style-type: disc;"> <li>Call 1-800-243-5860 to report a claim. </li> <li>For more information on preparing for and recovering from severe weather, visit us online at <a href="http://click.agent.thehartford.com/?qs=3883bebf060ab447acc3ec468112e6927069c392be8ff30c71e6002ed8a13a07" title="http://click.agent.thehartford.com/?qs=55e518f186780d7c8671e19399bd3066d52784d82802a714512319de4225b365 Here To Help">www.thehartford.com/heretohelp</a>.&nbsp; </li> <li>Check the <a href="http://click.agent.thehartford.com/?qs=3883bebf060ab447a31575d8941e070def1626181471ad6628145bb0cdb96016" title="http://click.agent.thehartford.com/?qs=55e518f186780d7c8d913660100f62b326952de4ca850fdafb90be85333c736b status of an auto claim">status of an auto claim</a>.</li> </ul> <p><b>For More Information</b></p> <ul style="list-style-type: disc;"> <li>For information about customers' ongoing claims, visit <a href="http://click.agent.thehartford.com/?qs=3883bebf060ab4471cac8095364a89f39addf98c4faa57eac04dfb5faf1b1018" title="http://click.agent.thehartford.com/?qs=55e518f186780d7ca08daf8a559c2300f3042be99c09042926fe1ce1abe0781a Personal Lines Claim Inquiry">Personal Lines Claim Inquiry</a> or <a href="http://click.agent.thehartford.com/?qs=3883bebf060ab44742f1e343f79c35a51efcb5840156640b9b37113e1b439068" title="http://click.agent.thehartford.com/?qs=55e518f186780d7c5f9cd54c2d9c710fb976c8ce78806fc18a785ecf6436ec21 Commercial Lines Claim Inquiry">Commercial Lines Claim Inquiry</a> on&nbsp;our&nbsp;<a href="http://click.agent.thehartford.com/?qs=3883bebf060ab447eb4f9baa5b6c940964d57dfd7e6fec584e8629346115b187" title="http://click.agent.thehartford.com/?qs=5c25776e248ede5307a5ea26961f43bcf6008e80a082535c4d22552c06d85337 eBusiness Center">eBusiness Center</a> for agents. </li> </ul> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 7.5pt;border: #f0f0f0;"> <table width="100%" style="width: 100%;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <table width="100%" style="width: 100%;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <div style="text-align: center;"><hr width="100%" size="2" align="center" style="color: #990033;" noshade="noshade" /> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 7.5pt;border: #f0f0f0;"></td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 7.5pt;border: #f0f0f0;"></td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 7.5pt;border: #f0f0f0;"></td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 7.5pt;border: #f0f0f0;"></td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 7.5pt;border: #f0f0f0;"></td> </tr> <tr> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p><img alt="" width="1" height="10" id="_x0000_i1028" style="display: block;border: 0px solid;" src="http://image.agent.thehartford.com/lib/ffcf14/m/1/spacer.gif" /></p> </td> </tr> </tbody> </table> </td> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 7.5pt; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p><img alt="" width="10" height="1" id="_x0000_i1029" style="display: block;border: 0px solid;" src="http://image.agent.thehartford.com/lib/ffcf14/m/1/spacer.gif" /></p> </td> </tr> </tbody> </table>urn:uuid:907005ed-37d9-4e23-9ca4-ea8168815c3b<img src='http://tyr.icebase.net/users/jjins/Alabama_ClaimsReportingApril2011_xArea_2_Image.gif' align='left' /> ...Sun, 01 May 2011 11:17:49 -0500<table width="580" style="width: 435pt; background: white;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td valign="top" style="padding-bottom: 2.25pt; background-color: transparent; padding-left: 2.25pt; padding-right: 2.25pt; padding-top: 2.25pt;border: #f0f0f0;"> <div style="text-align: center;"> <table width="100%" style="width: 100%;" border="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 3.75pt; background-color: transparent; padding-left: 3.75pt; padding-right: 3.75pt; padding-top: 3.75pt;border: #f0f0f0;"> <table width="100%" style="width: 100%;" border="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0.75pt; background-color: transparent; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;border: #f0f0f0;"></td> </tr> <tr> <td style="padding-bottom: 0.75pt; background-color: transparent; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;border: #f0f0f0;"> <p style="text-align: center;"><b><i>The entire Johnson &amp; Johnson family is keeping <br /> everyone who were affected by the recent <br /> devastating storms in our thoughts and prayers. <br /> We are here to assist in any way we can. </i></b><b><i></i></b></p> </td> </tr> </tbody> </table> </td> </tr> <tr> <td style="padding-bottom: 3.75pt; background-color: transparent; padding-left: 3.75pt; padding-right: 3.75pt; padding-top: 3.75pt;border: #f0f0f0;"> <table width="100%" style="width: 100%;" border="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0.75pt; background-color: transparent; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;border: #f0f0f0;"></td> </tr> <tr> <td style="padding-bottom: 0.75pt; background-color: transparent; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;border: #f0f0f0;"> <p style="text-align: center;"><img alt="" id="_x0000_i1025" style="border: 0px solid;" src="http://tyr.icebase.net/users/jjins/Alabama_ClaimsReportingApril2011_xArea_2_Image.gif" /></p> </td> </tr> <tr> <td style="padding-bottom: 0.75pt; background-color: transparent; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;border: #f0f0f0;"></td> </tr> </tbody> </table> </td> </tr> <tr> <td style="padding-bottom: 3.75pt; background-color: transparent; padding-left: 3.75pt; padding-right: 3.75pt; padding-top: 3.75pt;border: #f0f0f0;"> <table width="100%" style="width: 100%;" border="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0.75pt; background-color: transparent; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;border: #f0f0f0;" colspan="2"></td> </tr> <tr> <td valign="top" style="padding-bottom: 0.75pt; background-color: transparent; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;border: #f0f0f0;"> <p style="text-align: center; margin-bottom: 0.25in;"><a href="http://touchmailer.touchpointec.com/go2.shtml?IXFlktJJkxfZ6Wlm/d7a1a4a6f218158e/84878639e9946c8e/ty@southernriskservices.com"><b>www.jjins.com</b></a><b> </b></p> <p>This text is provided in case you cannot view the above images: <br /> Claims Reporting Procedures <br /> We wanted to take a moment during this active storm season to provide you with some general guidelines for reporting claims&hellip; <br /> How to Report New Losses: Please forward Acord Loss notices for all claims either via web entry at <a href="http://www.jjins.com/">www.jjins.com</a>; email to <a href="mailto:claims@jjins.com">claims@jjins.com</a> or fax to 843-577-1526. This will ensure that your claims are processed in the most efficient manner possible. <br /> Guidelines for reporting: <br /> - Only one notice per loss &ndash; We will send you an acknowledgment of receipt. <br /> - Provide as much information regarding severity as possible (i.e. wind damage to roof; interior damage; etc) <br /> Confirmation: <br /> J&amp;J will fax or email you a notification of receipt with contact information. Please call to follow up only if you have not received a confirmation within 48 business hours. <br /> Direct Reporting: <br /> ***Please note: some of our companies allow for direct reporting of claims. For a complete list, please visit the Claims page on our website. <br /> Existing Claims: Please feel free to instruct your insured's to contact their adjuster for updates on existing claims as they will have the most current information. <br /> Questions? Call our Claims Department <br /> 800.487.7565, ext. 5024</p> </td> <td style="padding-bottom: 0.75pt; background-color: transparent; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;border: #f0f0f0;"></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> </td> </tr> <tr> <td style="padding-bottom: 2.25pt; background-color: transparent; padding-left: 2.25pt; padding-right: 2.25pt; padding-top: 2.25pt;border: #f0f0f0;"> <p style="text-align: center;"><a href="http://touchmailer.touchpointec.com/go2.shtml?IXFlktJJkxfZ6Wlm/280521060ffe4759/84878639e9946c8e/ty@southernriskservices.com">dmy@jjins.com</a>&nbsp;&bull;&nbsp;Johnson &amp; Johnson </p> </td> </tr> </tbody> </table>urn:uuid:32498fab-4161-42ec-904f-d83a155fa29cCatastrophe resources for agents and policyholders... PROPERTY CLAIMS As customers you should&nbsp; make emergency repairs to prevent further damage to their property if they are able to do so. Please advise them to save any receipts. If they are i...Sun, 01 May 2011 11:14:08 -0500<p><span style="font-size: 24px;"><b>Catastrophe resources for agents and policyholders...<br /> <br /> </b><strong>PROPERTY CLAIMS<br /> </strong></span><b><br /> </b>As customers you should&nbsp; make emergency repairs to prevent further damage to their property if they are able to do so. Please advise them to save any receipts. If they are in need of emergency board-ups or roof protection, you or the customer can contact <a href="http://cl.exct.net/?ju=fe2e17707d66027d7c1475&amp;ls=fdc815717760027b7217747767&amp;m=fe5e157074630079721d&amp;l=fe5a157776610d787610&amp;s=fe3010717d670175771470&amp;jb=ffcf14&amp;t=" title="Innovation Property">Innovation Property</a>&nbsp;at 866-710-3112. They are also&nbsp;a resource&nbsp;for locating trusted contractors and roofers. All work comes with a three-year warranty and Safeco monitors customer satisfaction of all contractors to provide policyholders with the best choice of service providers. </p> <p>To avoid coverage complications, please advise policyholders to wait until we've assessed the damage before making permanent repairs. However, we encourage customers to begin the screening process prior to hiring a contractor. Please remind your customers to use a local, licensed and bonded contractor after checking their references.<br /> <br /> Some quick simple steps for handling a property claim in the wake of the bstorms....<br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> Ph 1-877-222-UROK</p>urn:uuid:975830cd-0d88-47b7-a39b-50ab4c389578Safeco iPhone&reg; app aids agent in need 4/28/2011 At the end of January, we launched another resource to help you meet the changing needs of your customers: Safeco&rsquo;s iPhone application. The app, which is designed to make it easier for your c...Sun, 01 May 2011 11:05:40 -0500<strong><span style="font-size: 24px;">Safeco iPhone^&reg; app aids agent in need 4/28/2011</span></strong> <div class="articleBody"> <p>At the end of January, we launched another resource to help you meet the changing needs of your customers: <a href="http://www.safecoagent.com/story_detail.php?a_id=4533">Safeco&rsquo;s iPhone application</a>.</p> <p>The app, which is designed to make it easier for your customers to work with Safeco when filing a claim, includes a claims submission toolkit to help them gather information about an incident and then send it to the Claims department after they&rsquo;ve reported their First Notice of Loss (FNOL). </p> <p>Word spread about the app and within one month of launch, 1,049 people downloaded it. Some of the more popular features: </p> <ul> <li>Users signed in to their Safeco accounts 7,018 times.</li> <li>More than 2,100 users accessed the incident tools. </li> <li>The &ldquo;Find an Agent&rdquo; feature has been used 545 times. </li> </ul> <p>&nbsp;</p> <p>One of the app users happens to be a Safeco-appointed agent in the Central Region. She recently sang the app&rsquo;s praises when she told us how it helped an unpleasant situation go more smoothly.</p> <p><b>iPhone app streamlines the process</b><br /> A week after downloading Safeco&rsquo;s iPhone application, Agent Cherie Young of <a href="http://www.assuranceonetx.com/">Assurance One of Texas, LLC</a> was driving home on a dark stretch of rural highway, &ldquo;in the middle of nowhere,&rdquo; when she hit a deer. </p> <p>&ldquo;It [was] a mess,&rdquo; she says.</p> <p>Young immediately grabbed her iPhone and accessed Safeco&rsquo;s app. </p> <p>&ldquo;I&hellip;push[ed] two options and I [was] reporting the entire claim AFTER I [had] a 3 way conversation with&hellip;Road[side] Assistance,&rdquo; says Young. </p> <p>It was after midnight on a cold, wintry night so she was thankful when, one hour later, she found herself &ldquo;warm and toasty&rdquo; in the cab of a tow truck. </p> <p>&ldquo;I never dialed a phone number myself,&rdquo; says Young. &ldquo;Does it get any better than that?&rdquo; </p> <p>The next morning, an adjuster stopped by and Young had her claim check in hand by noon, less than 12 hours after the accident. </p> <p>&ldquo;At no time did we tip our hand how we were affiliated with Safeco,&rdquo; says Young. &ldquo;I felt like a secret shopper.&rdquo; </p> <p>We&rsquo;re advertising the app to consumers through Safeco&rsquo;s mobile site and on Safeco.com. If you have an iPhone and haven&rsquo;t yet downloaded the app, take a few minutes to <a href="http://itunes.apple.com/us/app/safeco-insurance/id409889435?mt=8">download</a> and familiarize yourself with it. It&rsquo;s another resource you can use to help you add value for your customers.<br /> <br /> We are excited at SRS to Launch this NEW IPHONE app to all of our SAFECO clients and friends. Please take a couple of minutes and downlaod the app. You will be up and running in a matter of minutes!<br /> <br /> TerrY Young<br /> President<br /> SRS Insurance Group<br /> Ph 1-877-222-UROK<br /> ty@southernriskservices.com</p> </div>urn:uuid:122f8fc4-228c-4df5-9942-a6797a01570a<img src='http://www.safecoagent.com/campaignwizard/a/safeco_logonew.gif' align='left' /> Catastrophe Notice &nbsp; &nbsp; &nb...Sun, 01 May 2011 10:43:07 -0500<div style="text-align: center;"> <table width="578" style="width: 433.5pt;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr style="height: 37.5pt;"> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; height: 37.5pt; padding-top: 0in;border: #f0f0f0;"> <p style="line-height: 11.25pt;"><img width="200" height="51" id="_x0000_i1025" alt="Description: Description: http://www.safecoagent.com/campaignwizard/a/safeco_logonew.gif" src="http://www.safecoagent.com/campaignwizard/a/safeco_logonew.gif" /></p> </td> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; height: 37.5pt; padding-top: 0in;border: #f0f0f0;"> <p class="head" style="text-align: right; margin: auto 0in;">Catastrophe Notice</p> </td> </tr> </tbody> </table> </div> <p style="text-align: center; line-height: 11.25pt;">&nbsp;</p> <div style="text-align: center;"> <table width="578" style="width: 433.5pt;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr style="height: 22.5pt;"> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; height: 22.5pt; padding-top: 0in;border: #f0f0f0;" colspan="2"> <div style="text-align: center; line-height: 11.25pt;"><hr width="100%" size="2" align="center" style="color: #000099;" noshade="noshade" /> </div> <p style="line-height: 11.25pt;">&nbsp;</p> </td> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 0.1in; padding-right: 0in; height: 22.5pt; padding-top: 0in;border: #f0f0f0;"> <p style="line-height: 11.25pt;">&nbsp;</p> </td> </tr> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 22.5pt; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p class="style1" style="margin: auto 0in;">&nbsp;</p> <p>&nbsp;</p> </td> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 408pt; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p>As a result of the historic severe storms affecting Alabama, Mississippi, Tennessee, and Georgia the National Catastrophe team is mobilizing additional field personnel to the area. Our National Catastrophe team, which is a part of Agency Markets' Claims Shared Service organization, serves Safeco personal lines policyholders, as well as commercial lines customers of the eight Regional Companies.</p> <p>&nbsp;</p> <p>My name is John Gragson and I am the Catastrophe Event Manager. You can contact me with questions or concerns, particularly if you have a customer with a large loss or in need of "high touch" service. I am available via the e-mail address provided below or by phone if you need a more immediate response.</p> <p>&nbsp;</p> <p><a name="OLE_LINK1">As the situation is ongoing, we are assessing staffing needs and will be dispatching field staff to the affected areas. Other members of the team are centrally located to manage the behind-the-scenes operations.&nbsp; All are committed to providing exceptional claims service and caring for our customers in times of crisis.</a></p> <p >Here are a few simple steps you can take to help us deliver the best possible service: </p> <p>&nbsp;</p> <ul style="list-style-type: disc; margin-top: 0in;"> <li>Please encourage your customers with storm damage to report their claims on Safeco personal and commercial polices to our toll-free claims number at <b>(800) 332-3226</b>. </li> <li>Montgomery Insurance customers with storm damage should report their claims on personal and commercial policies to our ANYTIMET Claims number at <b><br /> (800) 561-0178.</b></li> <li>Because there are so many factors that can affect coverage, please leave coverage decisions to our Claims professionals.</li> <li>Once your customer reports their claim, a member of our National Catastrophe Team will contact them within 24 - 48 hours to discuss the claim and arrange for an inspection if needed. When the volume of claims is high, our goal is to reach customers with the most severe damage first. </li> <li>Ask customers to make emergency repairs to prevent further damage to their property if they can. Please advise customers to be patient and save receipts. </li> <li>We require policyholders to wait until their claims professional has assessed damage before making permanent repairs. However, we encourage people to line up a contractor. Remind your customers to use a local, licensed and bonded contractor and check their local references. </li> </ul> <p>Rest assured that the team is prepared to handle every claim quickly and efficiently, providing our customers with the best possible service. If you have questions about our National Catastrophe Team's business model since the acquisition of Safeco by Liberty Mutual, please visit:&nbsp; <a href="http://safecoagent.com/story_detail.php?a_id=3030">http://safecoagent.com/story_detail.php?a_id=3030</a></p> <p>Sincerely,</p> <p>John Gragson</p> <p><a href="mailto:john.gragson@libertymutual.com">john.gragson@libertymutual.com</a></p> <p>Agency Markets National Catastrophe Team <br /> 785-845-7055</p> <p>&nbsp;</p> <p>&nbsp;</p> <p>&nbsp;</p> </td> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: #f0f0f0;"> <p>&nbsp;</p> </td> </tr> <tr style="height: 22.5pt;"> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; padding-right: 0in; height: 22.5pt; padding-top: 0in;border: #f0f0f0;" colspan="2"> <div style="text-align: center; line-height: 11.25pt;"><hr width="100%" size="2" align="center" style="color: #000099;" noshade="noshade" /> </div> <p style="line-height: 14.4pt;">&copy; 2011 Safeco Insurance Company of America, member of Liberty Mutual Group, 1001 4th Ave, Seattle, WA 98154</p> </td> <td style="padding-bottom: 0in; background-color: transparent; padding-left: 0in; width: 0.1in; padding-right: 0in; height: 22.5pt; padding-top: 0in;border: #f0f0f0;"> <p style="line-height: 11.25pt;">&nbsp;</p> </td> </tr> </tbody> </table> </div>urn:uuid:a3526721-792e-486e-a3bd-a8a77df960c1<img src='http://imgp.travelers.com/travelers/images/TRAVELERS/C/86/H/1/catastrophe-generic_01.jpg' align='left' /> &nbsp...Sun, 01 May 2011 10:31:17 -0500<table width="602" style="width: 451.5pt;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; background: black; padding-top: 0.75pt;border: #f0f0f0;"> <table width="600" style="width: 6.25in;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; background: white; padding-top: 0in;border: #ffffff;" colspan="2"> <p><img alt="" width="600" height="74" id="_x0000_i1025" src="http://imgp.travelers.com/travelers/images/TRAVELERS/C/86/H/1/catastrophe-generic_01.jpg" /></p> </td> </tr> <tr> <td style="padding-bottom: 7.5pt; padding-left: 7.5pt; width: 300pt; padding-right: 7.5pt; background: white; padding-top: 7.5pt;border: #ffffff;"> <p>&nbsp; </p> <p><strong>To: Travelers Agents in Alabama and Georgia&nbsp;</strong></p> <p><strong>From: Chris Burr, Claim Vice President, Atlanta</strong></p> <p><strong>Re: Travelers Claim Update</strong><br /> &nbsp;<br /> I wanted to let you know of available resources following the severe tornadoes and windstorms that impacted communities across Alabama and Georgia last night.&nbsp;<br /> &nbsp;</p> <ul style="list-style-type: disc;"> <li>Travelers has begun receiving claims from these weather events, including some high severity losses. As a reminder, you can log in to our agency portal (<a href="http://ems.travelers.com/trvl40/c2.php?TRV2/2961345/30078/H/N/V/http://www.travelersagents.com">www.travelersagents.com</a>) to download a list of claims for your agency.<br /> <br /> &nbsp;</li> <li>As claims are received by our call centers, they are assigned to trained claim professionals in the area. To ensure your customers receive the prompt service they deserve, we have also brought in additional Travelers professionals from other offices and our national Catastrophe Team. My local leadership team and I are working closely with Travelers National Catastrophe Management Center to monitor claim volumes and quickly assign the appropriate resources to the area.<br /> <br /> &nbsp;</li> <li>Because customer service is a top priority, all claims will be handled by highly trained representatives, who share our commitment to achieving the best outcome on every claim.<br /> <br /> &nbsp;</li> <li>Mobile Claim Offices are en route to Birmingham and Tuscaloosa to assist agents and customers there. These are fully self contained offices&nbsp; on wheels, where customers and agents without power or telecommunications access can reach us for help. You and your customers can start a claim, talk to one of our managers, or just access our network. We will inform you of Mobile Claim Office locations&nbsp; as soon as possible. You can always check a special Severe Weather Alert page of our website, <a href="http://ems.travelers.com/trvl40/c2.php?TRV2/2961345/30079/H/N/V/http://www.travelers.com">www.travelers.com</a>, for the latest Mobile Claim Office locations.<br /> <br /> &nbsp;</li> <li>To ensure customers know how to reach us, we are running ads in The Birmingham News and The Tuscaloosa News and on their websites, <a href="http://ems.travelers.com/trvl40/c2.php?TRV2/2961345/30080/H/N/V/http://www.bhamnews.com">www.bhamnews.com</a> and <a href="http://ems.travelers.com/trvl40/c2.php?TRV2/2961345/30081/H/N/V/http://www.tuscaloosanews.com">www.tuscaloosanews.com</a>.<br /> <br /> &nbsp;</li> <li>Finally, we know that some of you may need our support as well. We are in the process of reaching out to agents in impacted areas via telephone to learn more about everyone's situation--but if you need help immediately, please contact me or any member of my management team directly.&nbsp; We can provide access to our telecommunications network, information on claims for your agency, and access to our network of support services.</li> </ul> <p><strong>KEY INFORMATION:</strong><b><br /> <strong>&nbsp;</strong><br /> <strong>To Report a Claim:</strong></b><br /> <br /> Personal Insurance: <strong>1.800.CLAIM33</strong> (1.800.252.4633)<br /> Business Insurance:<strong>1.800.238.6225</strong><br /> Online: <strong><a href="http://ems.travelers.com/trvl40/c2.php?TRV2/2961345/30082/H/N/V/https://secure.travelers.com/claim/Claim-Reporting.aspx">https://secure.travelers.com/claim/Claim-Reporting.aspx</a>&nbsp;&nbsp;</strong></p> <p><strong>Claim Notification via Travelers Agency Portal: <a href="http://ems.travelers.com/trvl40/c2.php?TRV2/2961345/30083/H/N/V/http://www.travelersagents.com">www.travelersagents.com</a></strong><br /> &nbsp;<br /> <strong>Claim Leadership:</strong></p> <ul style="list-style-type: disc;"> <li>Chris Burr, Vice President &ndash; 678.317.7146 /&nbsp; <a href="mailto:cburr@travelers.com">cburr@travelers.com</a></li> <li>Linda Lewis, Auto Line Lead &ndash; 678.317.7420 /&nbsp; <a href="mailto:llewis3@travelers.com">llewis3@travelers.com</a></li> <li>Carey Bond, Property Line Lead &ndash; 678.317.7466 / <a href="mailto:cbond2@travelers.com">cbond2@travelers.com</a></li> </ul> </td> <td valign="top" style="padding-bottom: 0in; padding-left: 0in; width: 150pt; padding-right: 0in; background: #e9ecf3; padding-top: 0in;border: #ffffff;"> <p style="line-height: 13.5pt;"><img alt="" width="199" height="110" id="_x0000_i1026" style="border: 0px solid;" src="http://imgp.travelers.com/travelers/images/TRAVELERS/C/86/H/1/catastrophe-generic_03.jpg" /></p> <table width="100%" style="width: 100%;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 3.75pt; background-color: transparent; padding-left: 3.75pt; padding-right: 3.75pt; padding-top: 3.75pt;border: #ffffff;"> <p><strong><a href="http://ems.travelers.com/trvl40/c2.php?TRV2/2961345/30084/H/N/V/http://agents.travelers.com/AgentHQPublic/AgentHQMainPage.aspx?TemplatePageId=24&amp;TabId=HM&amp;ContentPageId=templatedata%252fAgentHQPublic%252fContent%252fdata%252fhome&amp;pfsNavState=UEZTX0xOQVZfSG9tZVBhZ2U%253d" title="http://agents.travelers.com/AgentHQPublic/AgentHQMainPage.aspx?TemplatePageId=24&amp;TabId=HM&amp;ContentPageId=templatedata%2fAgentHQPublic%2fContent%2fdata%2fhome&amp;pfsNavState=UEZTX0xOQVZfSG9tZVBhZ2U%3d">Agent HQ</a></strong><b></b></p> <p><strong><a href="http://ems.travelers.com/trvl40/c2.php?TRV2/2961345/30085/H/N/V/http://www.travelers.com/" title="http://www.travelers.com/">Travelers.com</a></strong><b></b></p> <p><strong><a href="http://ems.travelers.com/trvl40/c2.php?TRV2/2961345/30086/H/N/V/http://agents.travelers.com/AgentHQPublic/AgentHQMainPage.aspx?TemplatePageId=7&amp;ContentPageId=templatedata%252fAgentHQPublic%252fContent%252fdata%252frisk_control%252fdisasterprep%252fhome&amp;pfsNavState=UEZTX0xOQVZfUmlza0NvbnRyb2xfRGlzYXN0ZXJQcmVwYXJlZG5lc3M%253d" title="http://agents.travelers.com/AgentHQPublic/AgentHQMainPage.aspx?TemplatePageId=7&amp;ContentPageId=templatedata%2fAgentHQPublic%2fContent%2fdata%2frisk_control%2fdisasterprep%2fhome&amp;pfsNavState=UEZTX0xOQVZfUmlza0NvbnRyb2xfRGlzYXN0ZXJQcmVwYXJlZG5lc3M%3d">Disaster Tips for You</a></strong><b></b></p> <p><strong><a href="http://ems.travelers.com/trvl40/c2.php?TRV2/2961345/30087/H/N/V/http://www.travelers.com/claim/property-insurance/disaster-tips.aspx" title="http://www.travelers.com/claim/property-insurance/disaster-tips.aspx">Tips for Your Customers</a></strong><b></b></p> </td> </tr> </tbody> </table> <p style="line-height: 13.5pt;">&nbsp;</p> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <br /> <br /> <br />urn:uuid:69854234-1d96-401a-91e9-0b9d5d92bb64A Florida insurance company is on its way to closing its door as it informed agents it is going to start dropping policyholders when their policies are up for renewal. Argus Fire &amp; Casualty, a subsidiary of the Miami Gardens-based United Automobi...Sun, 01 May 2011 09:26:39 -0500<p>A Florida insurance company is on its way to closing its door as it informed agents it is going to start dropping policyholders when their policies are up for renewal.</p> <p>Argus Fire &amp; Casualty, a subsidiary of the Miami Gardens-based United Automobile Insurance Co., has roughly 15,000 policies in force. The insurer has been under regulatory review since last year. Regulators agreed to let the insurer go into run-off mode as opposed to be taken by the state.</p> <p>A.M. Best indicated the insurer was having problems as far back as 2008 and it lost its Demotech rating in March 2010. Last year, regulators allowed Argus to move 4,000 policies it had taken from the Citizens Property Insurance Corp. back into the state-run insurer.<br /> <br /> At the present time SRS Insurance does not have any policies witht this insurance company and we are just informing you of the comapny status....<br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> Ph 1-877-222-8765<br /> www.southernriskservices.com<br /> <a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a></p>urn:uuid:548941a5-cb93-4d3a-a033-a3a347622263SRS Insurance has moved to a new location in Gadsden Alabama. While their new location was only a couple of miles down the street on Rainbow Drive. It provides for more room and nicer space for our clients and friends. The new location has walk in wa...Tue, 26 Apr 2011 09:10:30 -0500SRS Insurance has moved to a new location in Gadsden Alabama. While their new location was only a couple of miles down the street on Rainbow Drive. It provides for more room and nicer space for our clients and friends. The new location has walk in walk out access without climbing any stairs. <br /> <br /> SRS Is now located at:<br /> <br /> 2106-B &nbsp;Rainbow Drive<br /> Gadsden Al 35901<br /> <br /> The new location is located right beside Tim Hudak Paint and Hardware store. Please stop by anytime and have a cup of coffee with us!<br /> <br /> Terry<br /> <br /> Terry Young<br /> President<br /> SRS Insurnace Group<br /> Email&nbsp; ty@southernriskservices.com<br /> www.southernriskservices.com<br /> Ph&nbsp; 1-877-222-UROK (8765)<br />urn:uuid:96b4e5fb-14b5-4a44-9e79-c3d0642d7628You have just finalized the contract on your NEW family home...no you are overwhelmed with moving? Moving can be a difficult task. Don't make it more work than necessary by moving furniture, clothing, art or other belongings that you don't actually w...Mon, 25 Apr 2011 15:57:36 -0500<h3 style="margin: auto 0in;">You have just finalized the contract on your NEW family home...no you are overwhelmed with moving?</h3> <p>Moving can be a difficult task. Don't make it more work than necessary by moving furniture, clothing, art or other belongings that you don't actually want or need anymore. Look for opportunities to de-clutter your life and get rid of excess possessions. </p> <p><b>Hand it Down:</b> Tell your friends and family you're paring down possessions. You'll feel better, and it'll be easier giving up that expensive couch or antique bureau if you know your best friend will make good use of it. </p> <p><b>Yard Sale: </b>The tried and true yard sale can help you can get rid of things you don't use and avoid paying to move them. As a bonus, you'll make some extra cash that you can spend on new things in your next home. </p> <p><b>Donate: </b>Consider donating unwanted or unsold items to charity. Many charitable causes have free pickup services for donations that make giving your unwanted furniture and items as easy as picking up the phone and scheduling a pickup time. </p> <h3 style="margin: auto 0in;">Packing- </h3> <p>The thought of organizing and packing up a house's worth of clothing, kitchenware, and other items can be daunting to say the least. Even if you are using professional movers, you likely will want to pack and organize certain items yourself. By having a packing strategy, you can make it through the first stage of the move with your sanity intact and avoid last minute panic as the moving trucks pull up. </p> <p><b>Inventory:</b> Taking a rough inventory of your stuff will give you a general idea of how many moving boxes you will need. If you will be using a moving company, it's not a bad idea to make a written or photographic inventory to make sure you don't lose anything during the move. </p> <p><b>Box Right:</b> Make use of suitcases and plastic storage tubs you already own before searching out moving boxes. You can re-use old cardboard moving boxes, but make sure the cardboard is still in good shape rather than risk damaging any of your items. Purchase frame boxes to protect your pictures and mirrors. </p> <p><b>Other Supplies:</b> Purchase high-quality packing tape and plenty of bubble wrap to help safeguard your belongings during the move. Specialty packing paper or packing fill can be used for box fill instead of newspaper to remove the risk of scratching fragile items. </p> <p>If you will be moving on your own, you should rent furniture pads, straps and furniture dollies from the rental truck company. </p> <p><b>Have a Packing Plan:</b> Begin by packing the items you use least often. Pack one room at a time, making sure to clearly label the contents and which room they are intended for. You can also use a numbering or color coded system to help indicate which boxes have the most frequently used items. </p> <p><b>Pack Smart:</b> Large boxes should be filled with lighter items such as clothing. Save heavy items like books and dishes for smaller boxes that for easy lifting. Make sure each box is packed full, but also check the weight of packed boxes before sealing. </p> <p><b>"Essentials" Box:</b> Pack one box to keep close at hand (i.e., not buried in the back of the moving truck). The idea is to have easy access to items you may need during the move or immediately after your arrival at the new home. </p> <ul style="list-style-type: disc;"> <li style="color: black;">ID </li> <li style="color: black;">Your wallet, checkbook and/or ATM card </li> <li style="color: black;">Bottled water </li> <li style="color: black;">Toothbrush, toothpaste and soap </li> <li style="color: black;">Any prescription medications </li> <li style="color: black;">Aspirin </li> <li style="color: black;">Snacks that don't require refrigeration or cooking (granola bars, nuts, bread, PB, etc) </li> <li style="color: black;">Paper cups, paper plates and plastic utensils </li> <li style="color: black;">Towels </li> <li style="color: black;">Sheets </li> <li style="color: black;">Scissors and tape </li> <li style="color: black;">Closing documents if you're buying a new home </li> <li style="color: black;">Important files </li> <li style="color: black;">Medical records </li> <li style="color: black;">Pet food and pet littler, if applicable </li> </ul> <h3 style="margin: auto 0in;">Before Moving Day - </h3> <p><b>Keep People Updated:</b> Contact or visit your local Post Office to obtain a Change of Address form. You can also obtain this form online at <a href="http://www.usps.com/">http://www.usps.com</a>. Give a change of address to the following: Banks, schools, friends &amp; family, insurance companies, doctors and specialists, cell phone providers, credit card companies and magazine and newspaper subscriptions. </p> <p><b>Clean in Waves:</b> Trying to clean your whole house at once (either before or after moving day) can be an overwhelming prospect. Instead, begin cleaning any rooms in your house that have been emptied such as closets, basements or attics. </p> <h3 style="margin: auto 0in;">Get Help- </h3> <p>One of the most important moving tips: you don't have to do it alone. </p> <p><b>Move with the Pros:</b> A professional moving company can take the care of all the hard work, leaving you to kick back and supervise. If you feel like avoiding the packing stage as well, most companies will pack your items for an additional fee. Prices and reliability can vary widely between companies, so compare quotes from at least three local companies before choosing a moving company. Don't rely on over-the-phone price quotes from the moving company you select: make sure the moving company comes to your home to accurately assess the space and approximate weight of your shipment. Make sure to check their history with the Better Business Bureau or American Moving &amp; Storage Association. </p> <p><b>Moving Consultant:</b> If the mere sight of a cardboard box leaves you feeling overwhelmed, consider hiring someone to handle the nitty-gritty of your move. These consultants are the relocation industry's answer to wedding planners and travel agents -- they can arrange for movers, pack your stuff, switch over your utilities, and transfer school and medical records. If you can swing the price tag, or if your company is covering relocation costs, a consultant can make your move relatively stress-free. </p> <p><b>Portable storage:</b> Companies like PODS, U Haul and 1-800-PACKRAT will deliver a portable storage unit right outside your door. Before making the call, make sure you have enough parking on your property to accommodate the size of the temporary storage unit. Fill the storage space at your own pace. When you're finally ready to move, give the service a call and they will deliver the storage pod to your new home. Portable storage units still force you to do all the work, but they are a low cost solution and can serve as an alternative if there is a gap between the time you need to leave your old home and can access the new property. </p> <p><b>Rental trucks:</b> Renting a box truck can be a cost-effective alternative to hiring a moving company -- as long as you plan ahead. A 10-foot moving truck will generally hold an apartment's worth of stuff; while a 24-foot truck can accommodate a three-bedroom house. It's best to choose a larger truck; you won't have to cram items into a smaller space, and for cross-town moves you will avoid wasting time on multiple trips. Read the fine print about mileage allowances and fuel surcharges, and make sure you know the rules regarding when and where you can return the truck. Depending on the size of the truck and length of the move, you may consider adding supplemental insurance through the rental company in the event of dings or dents to the truck. </p> <p><b>Friends and family:</b> Free labor is great, but you'll likely still need to rent a moving truck (unless everyone in your family has a super duty pickup). Make sure you have every possible detail taken care of before your volunteer labor force shows up; the last thing you want is to leave your friends and family waiting while you pack the last boxes or run to go pick up the rental truck. Ask friends and family to help with packing and loading to a reasonable degree, and expect to return the favor when it's their turn to move. And common courtesy calls for you to provide lunch and refreshments for your friendly work crew. </p> <h3 style="margin: auto 0in;">After the Truck is Loaded - </h3> <p>Once you have everything packed away into the trucks, you'll want to pass through your house and check off a few final items before getting on to your new home. </p> <p><b>Damage Control:</b> Check for any damages to walls, doors or frames caused by furniture being moved. The last hassle you need is to lose part of your security deposit or have any issues with the homebuyers because your furniture dinged a door frame or left a scratch in the wall. </p> <p><b>Leave Behinds:</b> Re-check the house for anything you might have accidently forgotten. Look through the attic all closets, the garage, any crawl spaces, the medicine cabinet, and the drawer under your oven. <br /> <br /> Whew...now that you are done...Dont forget to call us at SRS Insurance for a FREE No Obligation quote on your new home! We have some great rates and great carriers to give you at least 6 to 8 different quotes. Also dont forget that you can get "multipolicy discounts" when your auto and home policies are with the same company. <br /> <br /> Thanks for reading and have a great and safe move to your new home!<br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> ty@southernriskservices.com<br /> Phone&nbsp; 1-877-222-8765 (UROK)</p>urn:uuid:64f358ec-85f8-467e-b1c3-2fede7b49e53CRIME IS STRATING NOT TO PAY QUITE AS MUCH...THEY ARE 5 SIMPLE THINGS YOU CAN DO TO PROTECT YOUR FAMILY FROM BEING A TARGET! Don't you just love those news reports that show photos of crooks caught in the act? They think they're getting away with it...Mon, 04 Apr 2011 09:21:04 -0500<p><strong><span style="font-size: 18px;">CRIME IS STRATING NOT TO PAY QUITE AS MUCH...THEY ARE 5 SIMPLE THINGS YOU CAN DO TO PROTECT YOUR FAMILY FROM BEING A TARGET!<br /> </span></strong><br /> Don't you just love those news reports that show photos of crooks caught in the act? They think they're getting away with it, only to see their mug shots staring out at them from a crime report. Chalk one up for justice!<br /> &nbsp;<br /> It's not just in banks and stores either. Low cost home surveillance kits are helping to catch more burglars than ever. And goodness knows how many more they deter from even thinking of burglarizing a protected home in the first place.<br /> &nbsp;<br /> In fact, security systems are now so effective and can cost so little that I believe everyone should have one. Some insurers even discount homeowner premiums on well-protected property.<br /> &nbsp;<br /> As with most things in life, when it comes to buying home security equipment, you get what you pay for and, sometimes, if you have a lot of valuable or irreplaceable stuff in your home, it's worth bringing in a professional to advise on your needs.<br /> &nbsp;<br /> But even the most basic of security systems and devices, many of which you can install yourself, offer a considerable amount of protection, plus, of course, peace of mind. If you don&rsquo;t already have a system in place or you're reviewing your current set up, here's my suggested priority list:<br /> &nbsp;</p> <ul style="list-style-type: disc;"> <li>Start with window and door bolts and security chains. They're low cost, easy to install, and slash the risk of anyone getting inside your house.</li> <li>Reduce the risk further with external, motion-activated security lighting at strategic points around the house. Sometimes you can use adaptors to convert existing lights.</li> <li>Internal motion detectors, linked to an alert system (an audible alarm or, say, a visible flashing light in your bedroom), come wireless now, making them simple to set up.</li> <li>Position cameras both inside and outside the house. They're a powerful deterrent (sometimes even dummy cameras discourage would-be thieves). You can even use cheap webcams, linked to your computer, to monitor activity and even email images, so a burglar can't destroy them. (See this useful article: <a href="http://tinyurl.com/webcam-security">http://tinyurl.com/webcam-security</a>)</li> <li>For greater needs, consider a professionally-installed system that activates if anyone enters your home, either sounding a loud alarm or dialing directly into a security service.</li> </ul> &nbsp;<br /> Of course, there's an additional, vitally-important element of home security on which I hope you're already covered: fire/smoke and carbon monoxide (fume) alarms. No home should be without one or several and, if you don&rsquo;t have them, I urge you to buy now. They cost a few dollars, are usually easy, stick-on devices, and could save lives.<br /> &nbsp;<br /> One final alert: Another police report I saw recently warned about con artists posing as home security system salesmen. If someone knocks at your door selling these or any other products, take their phone number and say you'll get back to them. If they're crooks, they won&rsquo;t give you a real number. If they're genuine, you can add them to your research list.<br /> &nbsp;<br /> Now here's some good news. According to the FBI, burglaries in the US fell 1.7 percent in 2009 over 2008. Perhaps that's because law enforcement was more effective - but no doubt the use of security systems helped as well. If you don&rsquo;t have one, maybe now's the time to think about it.<br /> <br /> <br /> Hope this article help you stay just a little bit safer!<br /> <br /> Thanks for reading...<br /> <br /> Terry Young<br /> Presdient<br /> SRS Insurance Group<br /> Ph&nbsp; 1-877-222-8765<br /> Email&nbsp; ty@southernriskservices.com<br /> www.southernriskservices.com<br /> <br />urn:uuid:cea852bb-c7c4-46bf-8422-e3ffa5033ca6Our Unemployment System Today &nbsp; As a business owner, you probably already realize the cost of unemployment benefits ultimately lies with you. Costs are determined by a company&rsquo;s experience rating, which is determined by the amount of benef...Wed, 30 Mar 2011 23:14:29 -0500<p style="text-align: center;"><strong><span style="font-size: 24px;">Our Unemployment System Today</span></strong></p> <p style="text-align: center;">&nbsp;</p> <p><span style="font-size: 16px;">As a business owner, you probably already realize the cost of unemployment benefits ultimately lies with you. Costs are determined by a company&rsquo;s experience rating, which is determined by the amount of benefits the state pays your former employees. A few interesting unemployment statistics were announced recently that all business owners should be concerned about. They include:</span></p> <p><span style="font-size: 16px;">&gt; Spending on unemployment compensation rose from $31 billion in 2008 to approximately $160 billion in 2010. </span></p> <p><span style="font-size: 16px;">&gt; On average, state unemployment taxes increased by 34% as a percent of total wages from 2009 to 2010, and are expected to continue to increase.</span></p> <p><span style="font-size: 16px;"></span></p> <p><span style="font-size: 16px;">These increases in unemployment costs will eventually increase state and federal UI taxes, as the interest on the federal loans to states become due later this year. The impact to business owners will be an increase in hiring and administrative costs. To keep your unemployment costs under control business owners should:</span></p> <p><span style="font-size: 16px;">Review and verify tax rate notices &amp; employee classifications</span></p> <p><span style="font-size: 16px;">Ensure reported wages are correct</span></p> <p><span style="font-size: 16px;">Complete UI claims forms correctly and on time</span></p> <p><span style="font-size: 16px;">Be sure incorrect determinations are appealed</span></p> <p><span style="font-size: 16px;">Attend Hearings</span></p> <p><span style="font-size: 16px;">Notify the UI agency of rehires and offers of employment that are refused</span></p> <p><span style="font-size: 16px;">Review hiring procedures &amp; performance appraisals</span></p> <p><span style="font-size: 16px;">Train Supervisors and Managers to ensure proper documentation of employment actions, such as disciplinary and termination procedures.<br /> <br /> Thanks for Reading and I hope this info helps you!<br /> </span></p> <p>&nbsp;</p> <p >Terry<br /> <br /> Terry Young<br /> President<br /> SRS Insurance group<br /> Ph 1-877-222-8765<br /> Email&nbsp; <a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a></p>urn:uuid:16c89b2e-5957-4325-bf8e-01de3e261a24Press Release &nbsp;SRS Insurance Group of Hoover / Gadsden &nbsp;Alabama Alexandra said, &ldquo;JDRF is close to my heart and I am committed to working and helping this organization find a cure. ...Sun, 27 Mar 2011 22:48:16 -0500<p class="DocumentLabel" style="text-align: justify; margin: 30pt 0in 20pt;"><strong><span style="font-size: 24px;">Press Release</span></strong> </p> <p>&nbsp;<strong><span style="font-size: 24px;">SRS Insurance Group of Hoover / Gadsden &nbsp;Alabama</span></strong></p> <table width="100%" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="background-color: transparent;border: #f0f0f0;"> <div class="shape" style="padding-bottom: 4.35pt; padding-left: 7.95pt; padding-right: 7.95pt; padding-top: 4.35pt;"> <p><b>Alexandra said, &ldquo;JDRF is close to my heart and I am committed to working and helping this organization find a cure. It is people and companies like SRS Insurance that helps us further our efforts to that ultimate goal of finding a cure. My personal goal is to raise $100,000 for JDRF and we will push to the end to do so&hellip;&rdquo;</b></p> <p>&nbsp;</p> </div> </td> </tr> </tbody> </table> <strong><span style="font-size: 18px;">March 27, 2011:&nbsp;SRS Insurance Agency President, Terry Young, recently joined forces with local Spain Park High School senior Alexandra Renfroe, to honor and support the local JDRF&hellip;Juvenile Diabetes Research Foundation. Alexandra was diagnosed with Juvenile diabetes at the age of eight years old. She knows firsthand what challenges come with this disease and she has worked tirelessly to help support and promote a cure. &nbsp;On February 12, 2011, at the Miss Spain Park High School Beauty Pageant, Alexandra was crowned Miss Spain Park 2011. She was awarded a $500 college scholarship and a $500 donation to the charity of her choice by SRS Insurance Group. It was no surprise that JDRF was Alexandra&rsquo;s charity of choice. <br /> <br /> Terry Young of SRS stated, &ldquo;We are honored to join Alexandra and make this donation to JDRF on behalf of her and all her hard work that she still is doing to support this organization. It is young people like Alexandra who truly make a difference in this world. She has raised over $65,000 personally to help and support JDRF. We are honored and proud to be part of this process with her! Alexandra is a winner and we support winners! &rdquo; </span></strong> <p>&nbsp;<strong><span style="font-size: 18px;">SRS Insurance Group was started in 1985 by Terry Young. Over the last 25 years their agency has grown into a full service business and personal insurance independent agency. SRS represents some of the best insurance companies in the industry like: Travelers, Auto Owners, SafeCo, Zurich, Progressive and many others. Young and SRS were also recently awarded a coveted national Consumer Education Award. They were recognized for their &ldquo;education efforts to the insurance buyer and consumer&rdquo; when buying insurance products. They were recently named as one of the TOP 14 Agents in the United States in the NSACE Society (National Society for Agents in Consumer Education).</span></strong></p> <p style="text-align: center;"><strong><span style="font-size: 18px;">For more information about SRS Insurance Group or to get in touch with Terry Young, please call &nbsp;1-877-222-UROK (8765).</span></strong></p> <p style="text-align: center;"><strong><span style="font-size: 18px;">You may email Terry at </span></strong><a href="mailto:ty@southernriskservices.com"><strong><span style="font-size: 18px;">ty@southernriskservices.com</span></strong></a><strong><span style="font-size: 18px;"> or visit the SRS website at </span></strong><a href="http://www.southernriskservices.com/"><strong><span style="font-size: 18px;">www.southernriskservices.com</span></strong></a></p>urn:uuid:276135f9-6c41-466a-91be-5e63418c56f4MAYOR OF CITY OF PELHAM SENDS LETTER OF COMMENDATION MRM, LLC Helps Retire Slain Police Officers Familiy's Mortgage In the recent past one of the City Of Pelman Alabama police officers was slain in the line of duty. In honor of the police officer, ...Sun, 27 Mar 2011 22:43:07 -0500<p style="text-align: left;">MAYOR OF CITY OF PELHAM SENDS LETTER OF COMMENDATION<br /> <span style="font-size: 18px;"><br /> MRM, LLC Helps Retire Slain Police Officers Familiy's Mortgage</span><br /> <br /> <span style="font-size: 16px;">In the recent past one of the City Of Pelman Alabama police officers was slain in the line of duty. In honor of the police officer, his family and all other law enforcement who work so hard to protect and serve us...MRM made a donation in the officer's honor to help retire the remaining mortgage for the wife and kids. The mayor of Pelham sent a letter in honor and commendation of the support from MRM. <br /> </span><br /> <span style="font-size: 16px;">The mayor stated, "Thank you so much for your donation to the Officer Phillip Davis family. In a close community family like Pelham, we share one another's joys and sorrows and this tragedy has proven what our community is made of in so many ways." Don Murphy - Mayor.<br /> <br /> It has been our honor and privilege to be part of this event and we will keep the family in our prayers...<br /> <br /> Terry Young<br /> CEO - SRS Insurance Group<br /> Partner - MRM, LLC.<br /> Ph&nbsp; 1-877-222-8765<br /> Email&nbsp; tyoung@mrm-llc.com<br /> Cell&nbsp; 1-256-504-3288<br /> <br /> </span></p> <p>&nbsp;</p>urn:uuid:600f00f5-a535-4473-ae6a-09b28640d243CERTIFICATE OF ENVIROMENTAL ACCOMPLISHMENT Press Release Recently SRS Insurance Group's sister company was awarded a "Certificate Of Enviromental Accomplishment" for their efforts in recycling. MRM, LLC our sister company was given this award due t...Sun, 27 Mar 2011 22:33:42 -0500<p style="text-align: left;"><strong>CERTIFICATE OF ENVIROMENTAL ACCOMPLISHMENT<br /> </strong><span style="font-size: 16px;"><br /> </span><strong>Press Release<br /> <br /> </strong><span style="font-size: 16px;">Recently SRS Insurance Group's sister company was awarded a "Certificate Of Enviromental Accomplishment" for their efforts in recycling. MRM, LLC our sister company was given this award due to the concerted and special efforts given&nbsp;to recycle all paper products produced by our organization. This year long program and project resulted in our comapnies saving 50 + trees in our enviroemnt. The senior management of our company would like to say THANKS to all the staff who work hard to help acheive this goal and he us save our enviroment! <br /> </span><br /> Thank you for your support!<br /> <br /> <br /> <span style="font-size: 18px;">Terry Young<br /> CEO - SRS Insurance Group<br /> Partner - MRM, LLC.<br /> Ph 1-877-222-8765<br /> Email&nbsp; ty@southernriskservices.com<br /> Cell&nbsp; 1-256-504-3288<br /> <br /> </span></p> <p>&nbsp;</p>urn:uuid:152bb72c-2885-4712-bc5d-60973ae99028The Top Ten Ways to Reduce a Work Mod Often i get the same question over and over from our work comp clients.&nbsp; How do i reduce my work comp mod factor? I recently sat down with our team and we wrote out the "Top 10 Ways to Reduce Your Workers C...Sat, 26 Mar 2011 10:47:10 -0500<p style="text-align: left;"><span style="text-decoration: underline;"><span style="font-size: 24px;">The Top Ten Ways to Reduce a Work Mod<br /> </span><br /> </span><span style="font-size: 16px;">Often i get the same question over and over from our work comp clients.&nbsp; How do i reduce my work comp mod factor? I recently sat down with our team and we wrote out the "Top 10 Ways to Reduce Your Workers Comp Cost"... thru reducing your comp mod. Listed below are the top 10 items you should consider implementing...If you have any questions please feel free to give us a call! Phone: 1-877-222-8765<br /> </span><b><br /> <br /> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1. Enact a return to work program</b> appropriate for the employee&rsquo;s limited work abilities.&nbsp;</p> <p style="text-align: left; margin-left: 0.25in;"><b>2. Conduct pre-employment, post accident and random drug testing. </b></p> <p style="text-align: left; margin-left: 0.25in;"><b>3. Implement a robust safety program</b> that starts with initial new hire training, is followed up on a regular basis, and places the burden of accountability on the line managers. Safety programs have been highly recommended for years.&nbsp; Apparently, they are not very effective unless senior management emphasizes the strategic importance of these programs to the organization as a whole. </p> <p style="text-align: left; margin-left: 0.25in;"><b>4. Verify the accuracy of your experience modification computation.<br /> </b>&nbsp;&nbsp;&nbsp;&nbsp; Mistakes are rampant in this industry and more common than you think! &nbsp;</p> <p style="text-align: left;"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.&nbsp; Report and manage claims promptly.<br /> </b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The longer the injured employee suffers, the longer the medical and disability period will last thus&nbsp;the&nbsp;higher your premium. </p> <p style="text-align: left;"><b></b></p> <p style="text-align: left; margin-left: 0.25in;"><b>6. Carry a large deductible and pay smaller claims.</b> <br /> &nbsp;&nbsp;&nbsp;&nbsp; This will vary by state depending on whether you are in a gross or net reporting state.</p> <p style="text-align: left;"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7. Review claims with your claims handling administrator on a regular basis for a certain claim threshold.<br /> </b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;(i.e. claims greater than $10,000).&nbsp;</p> <p style="text-align: left;"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;8. Be aware of tasks that seem to repeatedly cause injuries and change the nature of these tasks. <br /> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </b>An ounce of prevention is worth a pound&nbsp;of results </p> <p style="text-align: left;"><b></b></p> <p style="text-align: left; margin-left: 0.25in;"><b>9. Motivate your employees and their managers by highlighting the true cost of the loss.</b> <br /> &nbsp;&nbsp;&nbsp; The motivation, which can be accomplished through analyses such as those provided in one our programs like ModMaster, <br /> &nbsp;&nbsp;&nbsp;&nbsp; helps make implementation of&nbsp; these numbers a breeze. </p> <p style="text-align: left; margin-left: 0.25in;"><b>10.&nbsp; Implement a company wide rewards program for reduced claim frequency.<br /> <br /> <br /> <br /> <br /> Thanks for Reading,<br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> Ph:&nbsp; 1-877-222-8765<br /> Email:&nbsp; ty@southernriskservices.com<br /> <br /> </b></p> <p>.</p> <p>&nbsp;</p>urn:uuid:4c2107e7-1d1f-49b2-885b-d5dee38256bc&ldquo;CIRCLE OF SAFETY&rdquo; WE&rsquo;RE MAKING SURE YOUR HOME IS SAFE SPRING AHEAD WITH OUR &ldquo;13 STEP&rdquo; HOME MAINTENANCE CHECKLIST TO PREPARE FOR A &hellip;WORRY FREE SUMMER... Summer is just around the corner! Those kids are getting rea...Wed, 23 Mar 2011 00:23:21 -0500<p style="text-align: center;"><strong><span style="font-size: 24px;">&ldquo;CIRCLE OF SAFETY&rdquo;<br /> </span></strong>WE&rsquo;RE MAKING SURE YOUR HOME IS SAFE</p> <p style="text-align: center;"><span style="font-size: 18px;">SPRING AHEAD WITH OUR &ldquo;13 STEP&rdquo; HOME MAINTENANCE CHECKLIST TO PREPARE FOR A &hellip;WORRY FREE SUMMER...</span></p> <p>Summer is just around the corner! Those kids are getting ready to get out of school and have made &ldquo;vivid&rdquo; plans on how they intend to spend those three precious months&hellip;we call summer. If you are like my mom or dad, you are probably preparing the house for the great-grandkids to come hang out some with g.g. and g.g.grandpa.&nbsp; Well what we have prepared is a short simple 13 step checklist to make sure your home is safe for all this spring and summer. Hope you enjoy your time this year with your family and here&rsquo;s to a SAFE and HAPPY time with &ldquo;our families.&rdquo;</p> <p>SPRING MAINTENANCE TIPS&hellip;.</p> <p>1.&nbsp;Inspect your smoke detectors. Make sure that there is one on each floor of your home. Test them and change the battery every three months or as needed.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p> <p>2.&nbsp;Check the light bulbs in all your fixtures to be sure that they are the correct wattage as recommended by the manufacturer. </p> <p>3.&nbsp;Replace all high-intensity bulbs (such as halogen) with fluorescent bulbs that don&rsquo;t produce as much heat.</p> <p>4.&nbsp;Check your electrical outlets for potential fire hazards such as frayed wires or loose fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service.</p> <p>5.&nbsp;Keep a multi-purpose fire extinguisher accessible that is filled and ready for operation. <br /> 6.&nbsp;Have your air conditioning system inspected by a professional as recommended by the manufacturer.</p> <p>7.&nbsp;Check for damage to your roof and clean gutters and downspouts to keep debris from accumulating.</p> <p>8.&nbsp;Check your water heater for leaks and corrosion.</p> <p>9.&nbsp;Clean and/or replace your furnace filter.</p> <p>10.&nbsp;Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material and cloth.</p> <p>11.&nbsp;In your yard, remove all dead trees and keep healthy trees and bushes trimmed and away from utility wires.</p> <p>12.&nbsp;Safely store oil and gas for lawn equipment and tools in a vented, locked area.</p> <p>13.&nbsp;Repair driveway and walkways that are cracked, broken or uneven to provide a level walking surface.</p> <p>At&nbsp;SRS Insurance, we take a personal interest in our customers. We like to share information that helps you protect yourself and your family from financial loss. If you have any questions, regarding this information or your insurance coverage, please don&rsquo;t hesitate to give us a call phone:&nbsp;1-877-222-8765 or e-mail me personally at <a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a></p> <p>Thanks for reading,<br /> <br /> Terry</p> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> Cell&nbsp; 256-504-3288<br /> Email&nbsp; ty@southernriskservices.com<br /> <br /> <br />urn:uuid:248a468e-51fe-4b0b-8e55-7278b5efdfcbPrivacy Policy Website Privacy Policy for Southern Risk Services, LLC.. This notice describes our privacy policy (&ldquo;Notice&rdquo;). By visiting our Web Site (&ldquo;Web Site&rdquo;), you are accepting the practices described in this Notice. ART...Tue, 22 Mar 2011 22:19:57 -0500<h1>Privacy Policy</h1> <div class="subTitle">Website Privacy Policy for Southern Risk Services, LLC..</div> <p>This notice describes our privacy policy (&ldquo;Notice&rdquo;). By visiting our Web Site (&ldquo;Web Site&rdquo;), you are accepting the practices described in this Notice.<br /> <br /> <b>ARTICLE I&ndash; PRINCIPLES:</b></p> <p>Section 1.01 -- Principles: We may gather and use information as follows: </p> <blockquote> <p>(1) Notice: We may gather and use information as follows:</p> <blockquote> <p>(a) Volunteered Information: We will receive and&nbsp; store any information you enter on the Web Site or give us in any other way that personally identifies you to improve your experience at the Web Site, to get a better general understanding of the type of individuals visiting the Web Site, and to enable us to contact you when needed.&nbsp; Typically you will provide information on the Web Site for the purchase of products or services or when you&nbsp; submit comments or questions for review by us.<br /> <br /> (b) Automatic Information: To enable us to provide content that users need and desire, we collect aggregated site-visitation statistics using cookies. A Cookie is simply a small data file we place on your computer&rsquo;s hard drive when you first visit the Web Site (&ldquo;Cookie&rdquo;). This file contains a unique number that helps us identify you when you return to the Web Site. Cookies are employed by thousands of web sites to enhance users&rsquo; web viewing experience. Cookies can neither damage user files nor can they read information from users&rsquo; hard drives. We combine all usage information provided by such Cookies and we do not monitor your use of the Web Site. Allowing us to create a Cookie on your hard drive will not give us or any other site access to the rest of your computer&rsquo;s hard drive, and only we will be able to read the Cookie that the Web Site creates. <br /> <br /> (c) Information Use: We use information for personal identification; to get a better general understanding of the type of individuals visiting the Web Site; to respond to your requests for purchases, comments, or questions; to improve your experience at the Web Site; to collect aggregated site-visitation statistics; and to alert you to product enhancements, special offers, updated information, and other new services from us. We also use information to alert you of subscription renewal discounts, to automatically renew your subscription and advise you of upcoming service offerings and events.<br /> <br /> We may disclose information to third parties, including selling or disclosing customer lists to commercial or charitable users thereof. Disclosure for such purposes is limited to your name, company, position, address, phone and fax numbers, and web site and email addresses. If you do not wish to have such information disclosed, please let us know by <a href="http://youtersou0c.qa.insurancewebsitebuilder.com/contact.aspx">contacting us</a> . To enable us to process your request, please include your name and address. Once properly notified, we will remove your name from the lists and disclosures as soon as we practicably can in the course of normal business practices.<br /> <br /> When you order products or services from us, we ask for your credit card number and billing address. We use this information only to bill you for the products or services you order at that time and for no other purpose. Annual subscriptions are payable on the purchase date of the Subscription and renew automatically each anniversary unless canceled in writing thirty days in advance of each anniversary date.<br /> <br /> Any user questions or comments submitted to us may become available in the public sections of the Web Site, including a section entitled &ldquo;Frequently Asked Questions,&rdquo; immediately after such questions or comments are submitted to us. If we publicize any user questions, such questions will not contain facts that identify the user or the specific parties involved. We also reserve the right to use any user comments submitted to us for promotional purposes and by submitting such comments to us you agree that we may do so.<br /> <br /> We may release any user information if required to comply with law; to enforce or to apply the Web Site Terms and Conditions; or under the good faith belief that disclosure is otherwise necessary or advisable including, without limitation, to protect the rights, properties, or safety of us or our users.</p> </blockquote> <p>(2) Choice: We give you a choice as to the type and amount of private information we have, as follows:</p> <blockquote> <p>(a) Volunteered Information: You can always choose not to provide certain information to us. If you choose not to provide personal information, you can still use many parts of the Web Site. However, you will not be able to purchase products and services and you will not be able to take advantage of many of our features. If you have previously provided certain information to us and you desire to remove such information from our databases, or if you do not wish for your information to be disclosed to third parties, you may&nbsp;<a href="http://youtersou0c.qa.insurancewebsitebuilder.com/contact.aspx">contact us</a> to remove such information.<br /> <br /> (b) Automatic Information: Most web browsers automatically accept Cookies, but if you prefer, you can edit your browser options to block Cookies in the future. The &ldquo;Help&rdquo; portion of the toolbar on most browsers will explain how you can prevent your browser from accepting new Cookies, how to set the browser to inform you when you receive a new Cookie, or how to reject Cookies altogether.</p> </blockquote> <p>(3) Access: We provide you with the ability to ensure that your personal information is correct and current. You may review and update your personal information by <a href="http://youtersou0c.qa.insurancewebsitebuilder.com/contact.aspx">contacting us</a>. For security purposes, we require user verification via user&rsquo;s user name and password to receive personal information.<br /> <br /> (4) Security: We protect the security of your personal information. We takes steps to protect your data from loss, misuse, alteration, destruction, or unauthorized access. We use sophisticated security technologies to secure users&rsquo; ordering information, user name, and password. We encrypt users&rsquo; ordering information, user name, and password (including users&rsquo; credit card account number) using Secure Socket Layer (&ldquo;SSL&rdquo;) technology. SSL is a proven coding system that lets your browser automatically encrypt, or scramble, data before you send it to us. To support this technology, users must have an SSL-capable browser. SSL is one of the safest encryption technologies available. While we use such sophisticated security technology to secure users&rsquo; ordering information, user name, and password, we cannot guarantee that any electronic commerce is totally secure.</p> </blockquote> <p>Section 2.01 -- User Safeguards: You are responsible for maintaining the secrecy of your user name, password, and any account information. It is important for you to be responsible and protect your user name, password, and computer against unauthorized users. It is important to sign off when you have completed using a computer accessible by others.</p> <p>Section 3.01 -- Children: We do not sell products for children. Users of the Web Site must be at least eighteen years old. If a child has provided us with personal information, that child&rsquo;s parent or guardian should&nbsp;<a href="http://youtersou0c.qa.insurancewebsitebuilder.com/contact.aspx">contact us</a> &nbsp;to delete such information from our records.</p> <p>Section 4.01 -- Third Party Web Sites: Please be aware that the Web Site may have links to third party web sites that may collect personally identifiable information about you. When you click on one of these third party links, you are entering another web site for which we have no responsibility. This Notice does not cover the information practices or policies of such third party web sites. We encourage you to read the privacy statements of all such web sites since their privacy policies may be materially different from our Notice.</p> <p>Section 5.01 -- Agreement and Modification: By using and accessing the Web Site you indicate that you have read and understand this Notice and you consent to the collection and use of information by us in the manner explained in this Notice. This Notice and the Web Site Terms and Conditions, including without limitation, provisions covering limitations on damages, arbitration of disputes, and the application of Texas law govern any dispute over privacy. By using and accessing the Web Site you agree to indemnify us for any and all third party claims resulting from your breach of this Notice or the Web Site Terms and Conditions. If you have any questions or concerns about your privacy at the Web Site, please <a href="http://youtersou0c.qa.insurancewebsitebuilder.com/contact.aspx">contact us</a>. If you do not accept this Notice, do not access and use the Web Site. We may revise this Notice at any time without notice by updating this Notice. Any modifications in the way we use personal information will be provided in future updates of this Notice so you are always aware of what information we collect, how we use it, and under what circumstances we disclose such information. Modifications will be effective immediately and will be available on the Web Site. You should visit this web page periodically to review the Notice. User accepts any such modifications to this Notice by continued use of the Web Site after such modifications are made.<br /> <br /> </p>urn:uuid:23abf72f-f432-47fa-a194-093811d064c4CONSTRUCTION HAZARDS - THE CRITICAL 8 SRS Insurance Team...&nbsp;would like to remind workers of the typical construction hazards we see regularly with our clients, with hopes that everyone will put safety first and correct hazards as they find them...Tue, 22 Mar 2011 20:03:03 -0500<p class="PageTitle" style="text-align: center;"><strong><span style="font-size: 24px;">CONSTRUCTION HAZARDS - THE CRITICAL 8<br /> </span></strong><br /> <strong><span style="font-size: 16px;">SRS Insurance Team...&nbsp;would like to remind workers of the typical construction hazards we see regularly with our clients, with hopes that everyone will put safety first and correct hazards as they find them...<br /> <br /> <span style="font-size: 18px;">BE SAFE</span><br /> <br /> </span></strong></p> <p>1. HOUSEKEEPING- Not enough can be said about maintaining a clean work area! Keeping your area swept and free from debris not only prevents tripping hazards, but it makes it easier to preform your work. Make sure stored materials are stacked neatly and away from work areas.</p> <p>2. EXTENSION CORDS- Make sure cord sets have a grouding plug in place before using. If insulation on cords is damaged, take the cords out of service.&nbsp;Raise extension cords to prevent tripping hazard.</p> <p>3. ELECTRICAL PANELS- All panels and boxes must have cover in place to prevent electrical shock. Ground Fault Circuit Interrupers (GFCI) should be required on all circuits that will be used for portable power tools. </p> <p>4. SCAFFOLDING- Elevated working surfaces must be fully planked with toe&nbsp;boards, hand&nbsp;rails and mid rails installed. Scaffolds must be&nbsp;erected with vertical members resting on a solid base with the scaffold being level. NEVER climb the outside of a scaffold; ladders are required.</p> <p>5. LADDERS- Step ladders are a major source of construction accidents. Make sure they are used properly and maintained in good repair. Remove broken or damaged ladders from service immediately. Nvery lean step ladders against a wall or work surface. Never seperate extension ladders. Always make sure extension ladders are tied off. NEVER climb a ladder while carrying tools or materials. Instead, use a hoist line. </p> <p>6. SLIPPERY SURFACES- Make sure sand or some other slip resistant material is applied to ice walking surfaces. Clean up oil and water spills immediately. Another serious cause of slips is welding rod ends, stubs from conduit and small diameter pipe. </p> <p>7. LIGHTING- Most construction areas require a minimum of 5 ft candles. If you are having a hard time seeing your work, then you need to let someone know and get something done about it. Stairways are a common problem area and require good lighting.</p> <p>8. EYE PROTECTION- It is too common to see workers who need eye protection not wearing it. The typical reason is because they did not have glasses with them. Wearing safety glasses all the time prevents this situation. Safety glasses alone are not adequate for tasks that create flying particulate matter such as grinding or cutting. Wear a face shield as well.<br /> <br /> Thanks for reading and if we can help you in any way please feel free to give us a call!<br /> <br /> Terry<br /> <br /> Terry Young<br /> President<br /> SRS Insurance group<br /> Cell 256-504-3288<br /> Toll Free&nbsp; 1-877-222-8765<br /> email&nbsp; <a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a></p>urn:uuid:55372338-1e81-4bba-9459-4f03b918c3f0BABIES ARE COMING! BABIES ARE COMING! Roughly four million babies are born in the U.S. each year and with changing health care options, more and more parents are shopping around for what they feel is the perfect delivery room experience. While safet...Thu, 17 Mar 2011 09:02:21 -0500<strong><span style="font-size: 18px;">BABIES ARE COMING! BABIES ARE COMING!<br /> <br /> <p>Roughly four million babies are born in the U.S. each year and with changing health care options, more and more parents are shopping around for what they feel is the perfect delivery room experience. While safety and care are the number one priority for both medical staff and expectant parents, some trends make the health care choice a little bit sweeter. If your health care organization aims to offer competitive amenities, take note of recent trends some hospitals are now making standard:</p> <ul style="list-style-type: disc;"> <li style="color: #333333;"><strong>Bigger rooms</strong><b><br /> </b>Years ago, more than one mom and crying newborn in a room were standard. Today, almost all labor and delivery rooms are private. Postpartum rooms in suburban hospitals, where moms rest for 48 hours after a normal vaginal delivery or four days after a Caesarean section, are largely transitioning to private suites. Dads may even stay overnight in sleeper chairs or pull-out couches, and more visitors are allowed for longer periods of time. <br /> <br /> "Women like to share their pregnancies with their families," says Dr. Manuel Alvarez, chairman of obstetrics and gynecology at Hackensack University Medical Center. Private rooms make that possible.</li> </ul> <p>In addition to bigger rooms, it&rsquo;s now become quite commonplace for birthing and recovery rooms to be equipped with flat-screen televisions, gaming consoles, birthing tubs for water births, ergonomic furniture that hides cords and wires, as well as wi-fi access, taking comfort to a new level.</p> <ul style="list-style-type: disc;"> <li style="color: #333333;"><strong>Luxury services</strong><b><br /> </b>Fairview Southdale Hospital in Edina, Minn. partners with a local business called Go Home Gorgeous to offer new moms in-room massage therapy and pampering. Hackensack University Medical Center in New Jersey is said to offer other spa services, such as manicures and pedicures, to new moms while Englewood Hospital and Medical center offers complimentary yoga classes and plush robes. Experts say these luxuries provide added value as high-touch services for women shopping around for the best care&mdash;an incentive of sorts that&rsquo;s often quite welcome.</li> </ul> <ul style="list-style-type: disc;"> <li style="color: #333333;"><strong>Social networks</strong><b><br /> </b>For the past five years, it has become commonplace for new parents to update loved ones and strangers alike with the status of mom and baby throughout delivery and recovery with posts on Twitter, Facebook, blogs and other social networking sites. The trend is no longer on the patient side, it has more to do with how hospitals and health care professionals are handling the trend by banning cell phones, photography and video in the delivery room until after a child has been safely delivered and doctors give the go-ahead. While such bans were enacted with the care of patients in mind, hospitals like Meritus Medical Center and Harbor Hospital in Baltimore have been faced with considerable backlash from parents eager to document their experience.</li> </ul> <p>If your health care organization is already on board with these trends or others, or looking to get there, we have a few tips for spreading the word:</p> <ul style="list-style-type: disc;"> <li style="color: #333333;">Update your website often to highlight new technology or amenities offered. Many hospitals have found success in doing so in ways similar to how hotels and resorts highlight their amenities&mdash;through 360 degree tours, online brochures and testimonials.</li> <li style="color: #333333;">Hold community open houses to show off new technology and comforts firsthand. Invite local media, promote through community calendars and local clinics. Don&rsquo;t let them leave empty handed and create fun swag bags with <a name="healthcare_4imprint_com_produc"></a><a href="http://links.mkt3469.com/ctt?kn=54&amp;m=3378830&amp;r=MjIyNTY4NTk4NjES1&amp;b=0&amp;j=MTA2MzMwOTM1S0&amp;mt=1&amp;rt=0" target="_blank">Matchbook Emery Boards</a> or <a name="healthcare_4imprint_com_search"></a><a href="http://links.mkt3469.com/ctt?kn=38&amp;m=3378830&amp;r=MjIyNTY4NTk4NjES1&amp;b=0&amp;j=MTA2MzMwOTM1S0&amp;mt=1&amp;rt=0" target="_blank">Flexi Vases</a>.</li> <li style="color: #333333;">Don&rsquo;t forget to get hospital staff talking about the new birthing room amenities by offering them swag items, too, like <a name="healthcare_4imprint_com_p_1"></a><a href="http://links.mkt3469.com/ctt?kn=26&amp;m=3378830&amp;r=MjIyNTY4NTk4NjES1&amp;b=0&amp;j=MTA2MzMwOTM1S0&amp;mt=1&amp;rt=0" target="_blank">pens</a>, <a name="healthcare_4imprint_com_p_2"></a><a href="http://links.mkt3469.com/ctt?kn=28&amp;m=3378830&amp;r=MjIyNTY4NTk4NjES1&amp;b=0&amp;j=MTA2MzMwOTM1S0&amp;mt=1&amp;rt=0" target="_blank">stethoscope clips</a> and <a name="healthcare_4imprint_com_p_3"></a><a href="http://links.mkt3469.com/ctt?kn=24&amp;m=3378830&amp;r=MjIyNTY4NTk4NjES1&amp;b=0&amp;j=MTA2MzMwOTM1S0&amp;mt=1&amp;rt=0" target="_blank">power sport bottles.</a></li> </ul> <p>While the basics of birthing haven&rsquo;t changed, the tools and technologies used in the delivery and recovery rooms have. As health care organizations compete for choosy customers, stay ahead of the game by offering the latest in birthing room trends.</p> <br /> <span style="font-size: 16px;">In closing...as your families grow so do ours here at SRS Insurance Group. If you are having a baby please let us know and we are happy to share your experience with our staff and customers! Send us pictures and we are happy to post in our customer newsletter and here on our website!<br /> <br /> Thanks for reading...<br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> </span><a href="mailto:ty@southernriskservices.com"><span style="font-size: 16px;">ty@southernriskservices.com</span></a><br /> </span><span style="font-size: 16px;">Ph: 1-877-222-8765<br /> Fax: 1-256-295-9155</span></strong>urn:uuid:da48ff65-df9b-42dd-a35f-ba84865fc62b<img src='http://cdn.aarp.net/content/dam/aarp/health/drugs_supplements/2010_11/200_DISCProstateAspirin.jpg' align='left' />Aspirin May Reduce Prostate Cancer Deaths Blood-thinning, anti-inflammatory effect may be key... Men who use aspirin or other blood thinners after treatment for prostate cancer have a substantially lower risk of dying or seeing the cancer spread to a...Mon, 14 Mar 2011 08:27:22 -0500<h1>Aspirin May Reduce Prostate Cancer Deaths</h1> <p class="deck"><strong>Blood-thinning, anti-inflammatory effect may be key...</strong></p> <p class="byline">Men who use <a href="http://healthtools.aarp.org/goldcontent/aspirin" jQuery1300108805360="71">aspirin</a> or other blood thinners after treatment for <a href="http://healthtools.aarp.org/galecontent/prostate-cancer-2" jQuery1300108805360="72">prostate cancer</a> have a substantially lower risk of dying or seeing the cancer spread to another organ, new research shows.</p> <div class="parbase columns section" sizcache="1" sizset="23"> <div class="twoColumn diff" sizcache="1" sizset="23"> <div class="parsys pageColumnMain" sizcache="1" sizset="23"> <div class="article section" sizcache="1" sizset="23"> <div id="articleBody" sizcache="1" sizset="23"> <div id="articleText" sizcache="1" sizset="23"> <div class="parsys" sizcache="1" sizset="23"> <div class="clearer"></div> <div class="parbase textimage section"> <div class="imageRight" style="width: 200px;"><img width="200" height="150" title="bottle of aspirin" alt="bottle of aspirin" src="http://cdn.aarp.net/content/dam/aarp/health/drugs_supplements/2010_11/200_DISCProstateAspirin.jpg" /> <p class="caption"><em>&mdash; Mark Weiss/Corbis</em></p> </div> <div style="margin-right: 220px;"> <p>In a study of nearly 5,300 men with prostate cancer, only 4 percent of those taking <a href="http://www.aarp.org/health/drugs-supplements/info-09-2009/finding_your_way_what_you_need_to_know_about_blood_thinner_pills.html" jQuery1300108805360="73">blood-thinning medications</a> such as aspirin had died from a recurrence of their cancer after 10 years, versus 10 percent of those not taking the medication &mdash; reducing the risk of dying from cancer by more than half.</p> </div> </div> <div class="parbase textimage section"> <style type="text/css"> .textImage table { border-color: #C4C4C4; } .textImage th { color: #CCCCCC; background-color: #CCCCCC; border-color: #C4C4C4; } </style> <div class="textImage" id="aarp_main_n_textimage"> <p>Blood thinners interfere with blood-clotting mechanisms, said Kevin Choe, M.D., a radiation oncologist at the University of Texas Southwestern Medical School and lead author of the study. "There is good evidence from laboratory studies which suggests that these clotting mechanisms play an important role in cancer growth and spread as well," Choe said.</p> <p>Because prostate cancer patients tend to be older, many are already taking these medications for cardiovascular problems. Choe's team wanted to see whether they were receiving an additional health benefit.</p> <p>The study, presented recently at the annual meeting of the American Society for Radiation Oncology, drew on the national Cancer of the Prostate Strategic Urological Research (CaPSURE) database, which included medical records for thousands of <a href="http://www.aarp.org/health/conditions-treatments/info-07-2010/most_lowrisk_prostate_cancer_patients_receive_aggressive_treatment.html" jQuery1300108805360="74">prostate cancer patients</a>.</p> <div class="clearer"></div> </div> </div> <div class="articleAddOns section sb_1296948387" style="width: 240px; float: right; clear: both;" sizcache="1" sizset="23"> <style type="text/css"> .articleAddOns.sb_1296948387 { margin: 0 0 0 10px; } </style> <div class="dropShadow" style="width: 240px; float: right; clear: both;" sizcache="1" sizset="23"> <div class="articleSidebar v_1296948387" style="width: 200px; float: right;" sizcache="1" sizset="23"> <h2>Related </h2> <div class="sbContents" sizcache="1" sizset="23"> <ul sizcache="1" sizset="23"> <li><a href="http://www.aarp.org/personal-growth/transitions/info-08-2010/prostate_man.html">The Prostate Man. <b>Watch</b></a></li> <li><a href="http://www.aarp.org/health/drugs-supplements/info-04-2010/can_an_aspirin_do_more_harm_than_good.html">Can an Aspirin a Day Do More Harm Than Good? <b>Read</b></a></li> <li><a href="http://www.aarp.org/health/conditions-treatments/info-07-2010/most_lowrisk_prostate_cancer_patients_receive_aggressive_treatment.html">Most Low-Risk Prostate Cancer Patients Receive Aggressive Treatment.<b> Read</b></a></li> <li><a href="http://www.aarp.org/health/medical-research/info-09-2009/health_discovery_watchful_waiting_works_for_older_men_with_prostate_cancer.html">Treating Older Men With Prostate Cancer. <b>Read</b></a></li> <li><a href="http://www.aarp.org/health/conditions-treatments/living_through_cancer/">Your Guide to Living Through Cancer. <b>Read</b></a></li> </ul> </div> <div class="clear"></div> </div> <div class="clear"></div> </div> <div class="clear"></div> </div> <div class="parbase textimage section"> <style type="text/css"> .textImage table { border-color: #C4C4C4; } .textImage th { color: #CCCCCC; background-color: #CCCCCC; border-color: #C4C4C4; } </style> <div class="textImage" id="aarp_main_n_textimage"> <p>Most of the nearly 2,000 men studied were taking aspirin, and some took <a href="http://healthtools.aarp.org/goldcontent/warfarin" jQuery1300108805360="75">warfarin</a> (Coumadin), other blood thinners or a combination of medications.</p> <p>"We found that prostate cancer mortality was significantly lower if you were on one of these medications," Choe said. "When we looked further at which of these medications was most important for this reduction, we found that it was aspirin that seemed to have the biggest benefit."</p> <p>Christopher Logothetis, M.D., a medical oncologist at the <a href="http://www.mdanderson.org/" jQuery1300108805360="76">University of Texas MD Anderson Cancer Center</a> in Houston, said the study is in line with others that suggest aspirin's blood-thinning and anti-inflammatory properties reduce the risk of many kinds of cancer.</p> <p>Such studies tend to look at existing patient records and can only determine associations, not explain why aspirin might help beat prostate cancer, he notes. He concedes there haven't been any studies where some men received aspirin and others a placebo to see what the differences might be. But Logothetis says based on the evidence, it is "reasonable" for doctors to recommend a small daily dose of aspirin to their prostate cancer patients, except for those patients who are allergic to the medication, suffer from ulcers or have bleeding problems.</p> <p>Choe was a little more cautious, saying further studies should be done before making routine recommendations to give aspirin to prostate cancer patients, but if you are already taking aspirin "then you may have additional benefit for your prostate cancer as well."</p> <p><i><strong><span style="font-size: 16px;">Hope this article helps someone this week maybe save their life. Since i am approaching the 50 year old mark in my life, this topic has become of extreme importance to me. My recent annual physical was a testament of this regime. My doctor told me to begin taking "one sugar coated 80 mg aspirin per day."&nbsp; Who knows it just might add a few years to my life!<br /> <br /> Happy Reading!<br /> <br /> Terry Young<br /> President <br /> SRS Insurance Group<br /> ty@southernriskservices.com<br /> Ph&nbsp; 1-877-222-8765 (UROK)<br /> <br /> PS...I found this article on the AARP website and re-blogged it from their site. For more info please visit www.aarp.com<br /> <br /> </span></strong></i></p> <div class="clearer"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div>urn:uuid:dbfade00-4d7d-436c-8710-05e9fe8fedf6It's a sound you don&rsquo;t want to hear. But if you do, you'll be glad you did! Any idea what I'm talking about?&nbsp; HOME FIRE HAZARDS... Well, if you tuned in to the National Fire Prevention Association's (NFPA) annual Fire Prevention Week&nbsp...Tue, 08 Mar 2011 10:04:43 -0600<strong><span style="font-size: 18px;">It's a sound you don&rsquo;t want to hear. But if you do, you'll be glad you did! Any idea what I'm talking about?</span></strong>&nbsp;<strong><span style="font-size: 18px;"> HOME FIRE HAZARDS...<br /> </span></strong><br /> Well, if you tuned in to the National Fire Prevention Association's (NFPA) annual Fire Prevention Week&nbsp; you'd know because their theme was...<br /> &nbsp;<br /> <strong><span style="font-size: 18px;"><em>Smoke Alarms: A Sound You Can Live With.</em><br /> </span></strong>&nbsp;<br /> A clever idea really because they do emit the most awful, high-pitched, ear-busting sound but that's the whole idea - to alert you and get you to safety. Yet there are actually so many things you can do to prevent that ever happening, by avoiding as many fire hazards as possible from your home.<br /> &nbsp;<br /> So I've put together a list of the 20 dos and don'ts' for some of the most common fire risks in the home, which you can use as a checklist to add the security your fire/smoke alarm already provides (you do have one don&rsquo;t you - and a fire extinguisher?). Here they are, in no particular order:<br /> &nbsp;<br /> <strong><span style="font-size: 16px;">1.&nbsp; &nbsp;Keep heat-generating items like computers, TVs and cable boxes well ventilated.<br /> <br /> 2.&nbsp;&nbsp; Switch them off (and unplug if you can) when nobody is going to be around.<br /> <br /> 3.&nbsp;&nbsp; Store flammable items securely (locked if possible) in a cool area, away from flames.<br /> <br /> 4.&nbsp;&nbsp; Keep matches and lighters out of reach of children.<br /> <br /> 5.&nbsp;&nbsp; Know which clothing and furnishing fabrics are flammable and keep them away from flames.<br /> <br /> 6.&nbsp;&nbsp; Use fireguards to protect against accidental contact with flames.<br /> <br /> 7.&nbsp;&nbsp; Avoid loose clothing, especially sleeves, when you're using the stove.<br /> <br /> 8.&nbsp;&nbsp; If you leave items cooking, set an audible timer to remind you to check back.<br /> <br /> 9.&nbsp;&nbsp; Have the gas company check your appliances regularly.<br /> <br /> 10. Regularly inspect appliance wiring and plugs for signs of damage or heat.<br /> <br /> 11. Don&rsquo;t use extension cords with space heaters (actually, always avoid them where possible).<br /> <br /> 12. Don&rsquo;t plug too many items into 1 outlet or too high wattage a light bulb into a restricted fitting.<br /> <br /> 13. Avoid storing stacks of combustible material like paper that sometimes ignite by themselves.<br /> <br /> 14. Put a proper fitting over an exposed closet light bulb and don&rsquo;t store items too close to it.<br /> <br /> 15. If there are smokers in the house: no smoking in bed or when they/you are sleepy.<br /> <br /> 16. Ensure all fire and dryer vents are clear and regularly cleaned.<br /> <br /> 17. Monitor all outside burning (yard fires, BBQs etc.) and extinguish them fully.<br /> <br /> 18. Position barbecues at least 10 feet from walls and fences when in use or cooling.<br /> <br /> 19. Don&rsquo;t set electric blankets too high when you're not there, or allow pets to sleep on them.<br /> <br /> 20.&nbsp; Workshop tools that throw out sparks should be used away from all combustible material.<br /> </span></strong>&nbsp;<br /> Phew! I hope you're still with me on this. You know, it's a sad fact that well over three-quarters of fire deaths occur in the home, to say nothing of the injuries and losses of precious, sometimes irreplaceable, items.<br /> &nbsp;<br /> So, please take a few moments to see how your fire safety at home stacks up against my list. While doing so, check the expiry date on extinguishers and the batteries in your smoke alarm. You'll want to hear it, even though you'd rather not!<br /> <br /> Hope you have a great week and a safe one!<br /> <br /> Thanks for Reading!<br /> <br /> Terry Young<br /> <br /> President<br /> SRS Insurance Group<br /> <a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a><br /> Ph 1-877-222-8765<br /> <a href="http://www.southernriskservices.com">www.southernriskservices.com</a><br /> <br /> <br /> <br />urn:uuid:efa1e7f8-26bf-46c2-bb74-f31b2a239df6Spring Cleaning, You&rsquo;ve Got To Be Kidding Me! Sunday, March 06, 2011 Spring is on its way (I swear even though it has been 39 degrees today), and it&rsquo;s a perfect time to clean the garage, organize your home for summer projects or get yo...Sun, 06 Mar 2011 14:55:34 -0600<p><b><span style="font-size: 18px;">Spring Cleaning, You&rsquo;ve Got To Be Kidding Me!<br /> <br /> Sunday, March 06, 2011<br /> </span></b></p> <p><b></b></p> <p>Spring is on its way (I swear even though it has been 39 degrees today), and it&rsquo;s a perfect time to clean the garage, organize your home for summer projects or get your house set to host friends and family members for graduation parties, weddings or summer bbq&rsquo;s.&nbsp; </p> <p>&nbsp;</p> <p>Hah, my wife, Rene, would fall off her chair laughing if I told her I was going to write about the virtues of spring cleaning or any cleaning for that matter.&nbsp; The kids would be hiding because they know I&rsquo;d search them out and enlist them to keep my actual cleaning involvement to a minimum.&nbsp; Let&rsquo;s just say that we are in perfect agreement that I have a very high clutter tolerance.&nbsp; Sweeping out the garage is good on one of the first really nice weekend days of the year.&nbsp; Plus with all our snow this year there is definitely major dirt accumulation on the garage floor.&nbsp;&nbsp;&nbsp;</p> <p>&nbsp;</p> <p>Spring is a time lots of families are planning forward and laying out those projects as they are sweeping, cleaning and planting everything that&rsquo;s makes it so beautiful here in the summer. All right at the risk of being mocked by my bride, here&rsquo;re a few tips to consider:</p> <p>&nbsp;</p> <p><b>Analyze the situation.</b>&nbsp; Walk around your home with a notebook and pen and make a list of problem areas that need the most attention.&nbsp; This might include junk drawers, garages, closets, storage spaces, etc.&nbsp; Ask yourself, <i>what is it about that room that really bothers you or where will the guest be hanging out?</i>&nbsp; This can help you prioritize your list of rooms to tackle first.</p> <p>&nbsp;</p> <p><b>What can you give away to a great charity?</b>&nbsp; <i>Moving things around doesn&rsquo;t do much of anything except move the problem from one room to another?</i>&nbsp; There are charities that need most any kind of item that you are no longer using and you can eliminate the clutter once and for all.&nbsp; </p> <p>&nbsp;</p> <p><b>Stay off of ladders, stay off of ladders, stay off of ladders.</b>&nbsp; <i>My joke is that nothing good can come from a ladder and it&rsquo;s right about 90% of the time.</i>&nbsp; The reason it&rsquo;s right so frequently is that most people don&rsquo;t have extensive experience using ladders and they are often used incorrectly.&nbsp; People are very nonchalant about how far up they are and the surface they are using ladders on.&nbsp; I&rsquo;ll just jump up there and do this, becomes a trip to the emergency room and months of rehab.&nbsp; <b><i>According the National Institute of Health, over 97% of the ladder injuries occur in a non occupational setting (home) and ladder injuries rose more than 50% from 1990 through 2005.</i></b> Check out how to safely use ladders at <a href="http://www.laddersafety.org/">www.laddersafety.org</a>.&nbsp; </p> <p>&nbsp;</p> <p><b>Know when to do it yourself and when to hire a professional.</b>&nbsp; See Ladder Safety if you want to know when to get a professional.&nbsp; Okay, maybe not any time you have to use a ladder but stop and think if you have what it takes to visualize, design and implement a project. &nbsp;You might be able to help but is it really something you (and/or your brother in law) are qualified to do yourself.&nbsp; In my case, the Q and A is pretty short but for lots of my friends, they are quite qualified to do a lot.&nbsp; Ask yourself before you get in too deep for two reasons, things go bad when we don&rsquo;t know what we&rsquo;re doing and it usually cost more to fix than it would have to get the right people to do it in the first place.</p> <p>&nbsp;</p> <p><span style="font-size: 18px;">Remember to call us if you make additions or updates to your home.&nbsp; Updates often result in premium discounts for you and we can&rsquo;t cover additions if we don&rsquo;t know about them!</span></p> <p>&nbsp;</p> <p>Spring is coming, spring is coming, spring is coming!</p> <p>&nbsp;</p> <p>&nbsp;</p> <p>Thanks For Reading!<br /> <br /> Terry Young<br /> <br /> <br /> President<br /> SRS Insurance Group<br /> 2106 B Rainbow Dive<br /> Gadsden Al 35901<br /> ty@southernriskservices.com<br /> Ph&nbsp; 1-877-222-8765<br /> Fax&nbsp; 1-256-295-9155<br /> <a href="http://www.southernriskservices.com">www.southernriskservices.com</a></p>urn:uuid:88c2f969-3c7c-448f-a02b-fc878322357bFIRE EXTINGUISHER SAFETY... There is no doubt that fire extinguisher servicing is an important part of your business operation. There are several simple measures that need to be in place so that you can be sure that you are complying with current wo...Sun, 02 Jan 2011 14:05:06 -0600<p style="line-height: 13.5pt; margin: 0in 0in 11.25pt;">FIRE EXTINGUISHER SAFETY...<br /> <br /> There is no doubt that fire extinguisher servicing is an important part of your business operation. There are several simple measures that need to be in place so that you can be sure that you are complying with current workplace safety legislation. None of this is rocket science but it does take a little planning and organisation.&nbsp;Here we are just discussing fire extinguishers, and fire extinguisher servicing. A fire extinguisher is an active&nbsp;fire&nbsp;protection device and can be used to extinguish or control small fires. Portable appliances are not meant to battle huge fires, as that should be left to the professionals. Staff should be trained in whether to use appliances or not and if so, in what circumstances. In general, staff should put safety first and not tackle fires if they are at all well established or spreading fast.&nbsp;</p> <p style="line-height: 13.5pt; margin: 0in 0in 11.25pt;">All businesses owners or managers have an obligation to ensure that their premises are a safe environment for their staff and any visitors. This includes providing the right number and type of fire extinguishers and putting them in the appropriate places. In addition to that, there are certain steps that you must take to ensure that whenever these appliances are required, they are going to be in good working order.&nbsp;&nbsp;</p> <p style="line-height: 13.5pt; margin: 0in 0in 11.25pt;">Fire extinguisher servicing should be carried out by a trained engineer. They will check things like whether the appliance has been discharged and whether it functions properly. This will tell them if it needs to be filled, or replaced. If it needs to be filled, they will add the proper amount of whatever chemical is in your extinguisher to re-fill it.&nbsp;</p> <p style="line-height: 13.5pt; margin: 0in 0in 11.25pt;">This type of specialist fire extinguisher servicing should be carried out at least once a year in your business premises. You can be found to be in breach of current legislation if you do not service your extinguisher once a year. In addition to this you should also put a system in place to check on your appliances on a more regular basis. You are obviously not expected to carry out proper servicing, but it is a good idea to have a system in place for someone to go around all your safety equipment once a month just carrying out a visual inspection. This should just include checking for basic things such as the extinguisher being where it is supposed to be, checking that it has not been damaged and that the pin is in place and that it has not been discharged. It is sensible to keep a written record of such inspections.&nbsp;</p> <p style="line-height: 13.5pt; margin: 0in 0in 11.25pt;">Let us also consider whether there are any other steps we can take to make sure that our premises are safe from fire. Consider the following suggestions:&nbsp;</p> <p style="line-height: 13.5pt;">You can add fire blankets to your arsenal of&nbsp;fire&nbsp;protection&nbsp;equipment &nbsp;for certain areas, such as catering kitchens.</p> <p style="line-height: 13.5pt; margin: 0in 0in 11.25pt;">You must ensure you have a viable emergency plan for your premises, explaining what everyone should do in an emergency evacuation.</p> <p style="line-height: 13.5pt;">Implement staff training to ensure that your people know where the&nbsp;fire&nbsp;alarm call points are, and how to use them.</p> <p style="line-height: 13.5pt;">Put a contract in place for your yearly&nbsp;fire&nbsp;extinguisher servicing and set up your own monthly checks.</p> <p style="line-height: 13.5pt; margin: 0in 0in 11.25pt;">Ask the fire extinguisher service technician for advise on any issues that arise.</p> <p style="line-height: 13.5pt; margin: 0in 0in 11.25pt;">Make sure you have carried out a fire risk assessment and implemented any recommendations&nbsp;</p> <p style="line-height: 13.5pt; margin: 0in 0in 11.25pt;">There should be nothing more important then keeping your building and your employees safe from a fire. A safe employee is a happy employee, and a happy employee is a productive employee. When they see you making sure that your fire safety equipment is working right, they will feel that you really care about them.&nbsp;</p> <p style="line-height: 13.5pt; margin: 0in 0in 11.25pt;">In conclusion, annual fire extinguisher servicing is an essential safety measure and can save a lot of time, and money in the long run. It is a god thing to keep your staff and your business well protected. Most people will think a lot of a person who has genuine concern for them, and a fire extinguisher servicing will show your employees just that.<br /> <br /> Thanks for Reading,</p> <p style="line-height: 13.5pt; margin: 0in 0in 11.25pt;">Terry Young&nbsp;<br /> President<br /> SRS Insurance Group<br /> <a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a>&nbsp;</p> <p style="line-height: 13.5pt; margin: 0in 0in 11.25pt;">&nbsp;</p> <p style="line-height: 13.5pt;">&nbsp;</p>urn:uuid:1890fc18-f643-4eac-aeae-c608312e2498Did you know that federal unemployment rates are going up in the state of Alabama very soon?&nbsp; The state of Alabama owes the federal government tens of millions of dollars for unpaid loans which have been given to the state of Alabama for the une...Sun, 02 Jan 2011 14:01:42 -0600<p>Did you know that federal unemployment rates are going up in the state of Alabama very soon?&nbsp; The state of Alabama owes the federal government tens of millions of dollars for unpaid loans which have been given to the state of Alabama for the unemployment funding to citizens in our state.&nbsp; Alabama federal unemployment rate will go to 1.1% in the near future just wanted to share this with you so you could prepare for it in your companies.&nbsp; Your FUTA Federal Unemployment Tax rate will increase on your payroll.<br /> <br /> Thanks,<br /> &nbsp;<br /> Terry Young <br /> President<br /> SRS insurance Group. <br /> <br /> PS...SRS is a full service insurance agency specializing commercial / business insurance. SRS family of companies has over 700 commercial clients who have trusted their work comp insurance management to Terry and his team.</p> <p>&nbsp;</p>urn:uuid:69dd407f-da76-4604-a8f6-ee5ab0a7261aSeveral Months ago there was a breaking news story from CNN about a breach of healthcare data and personal infomation on several hundred people in the New York City area.&nbsp; Everybody just dismissed it as false or hype. Well, several months later ...Sun, 14 Nov 2010 08:24:40 -0600<p>Several Months ago there was a breaking news story from CNN about a breach of healthcare data and personal infomation on several hundred people in the New York City area.&nbsp; Everybody just dismissed it as false or hype. Well, several months later it is still in the news and more personal info has been "stolen by copier thiefs." </p> <p>Here is the bottom line...If you own a copying machine that is probably less than five years old, it has what we call a "hard drive" just like your computer. On that hard drive is virtually a copy of every single document you have ever copied. The hard drive saves a copy of all your documents and keeps them on this hard drive. When you get ready to upgrade or trade in your copier the hard drive goes to the copier dealer. The copier dealer then sells the "used machines" to a copier refurbishing company. This company then will refurbish the copiers for "used resaleable machines."&nbsp; They will sell the hard drives to third party companys who in return take the hard drives (refurbish them)&nbsp;and steal confidetial data and use it to steal from you, your bank accounts, your credit cards, your company...</p> <p>This is a true story and it is happening daily. So don't trade in that old machine without having the copier comapny remove your hard drive from the trade in machine and give it to you. If they say they can't, then YOU keep the machine and destroy it. The bottom line is... what is your private and company data worth to you..."a $300 trade in allowance on a new machine?"</p> <p>I don't think so...</p> <p>By the way here is the latest article for AARP on this news story...check it out!</p> <p><a href="http://aarp.us/theftbycopier" _mce_href="http://aarp.us/theftbycopier">http://aarp.us/theftbycopier</a></p> <p>Have a great week and thanks for readding!</p> <p>Terry Young</p> <p>Owner </p> <p>SRS Insurance Group</p> <p><a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a></p> <p>Ph: 1-877-222-UROK (8765)</p>urn:uuid:cbc69ad6-29e6-41a6-a30e-13099a7481a7As alot of my customers and friends know i have an older daughter who has now gone off to college. I was doing some research this morning online and found these "quick 17 things that every girl should know" about Date Rape Drugs and habits. It is my ...Wed, 25 Aug 2010 06:37:10 -0500As alot of my customers and friends know i have an older daughter who has now gone off to college. I was doing some research this morning online and found these "quick 17 things that every girl should know" about Date Rape Drugs and habits. It is my job as your insurance agent&nbsp; to help protect your family and mine, so i thought i would share these with you. Please read and pass this infomration on to family and friends!<br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> 1-877-222-UROK (8765)<br /> <br /> <strong><span style="font-size: 24px;">Date Rape Drugs...</span></strong><br /> <br /> <div style="border-bottom: #bfbfbf 1pt dashed; border-left: medium none; padding-bottom: 10pt; padding-left: 0in; padding-right: 0in; border-top: medium none; border-right: medium none; padding-top: 0in;"> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>Avoid becoming intoxicated in public and at parties -- keep yourself to a 1-2 drink limit</b>. Alcohol lessens inhibitions and decreases awareness, so people are more apt to do things they would not normally do while sober. It is best to stay lucid, especially when with acquaintances and strangers. </p> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>Always keep your eye on every beverage you drink</b>. Keep it with you always- even to the restroom. Date rape drugs like rohypnol ("roofies"), gamma-hydroxybutyrate (GHB) and ketamine, which all can cause loss of or altered consciousness, are easily mixed into drinks when you are not looking. Do not drink from communal containers, such as punch bowls. </p> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>Once you lose sight of your drink, do not consume it any more</b>. A substance could been added to your beverage during your absence, so get another drink. If someone offers to buy you a drink, watch the bartender prepare it and only accept the drink from the bartender.</p> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>Do not give out personal information (such as your location) or your daily schedule online</b>. Do not allow new acquaintances to know you are alone at an event or that you live by yourself. </p> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>Communicate your sexual and relationship boundaries clearly</b>. Never assume a person interprets your passivity correctly -- where you are disinterested, they may perceive interest or believe that you wish to be pursued. If you are not interested in someone, make that clear to him. Do not flirt with someone unless you are sexually or romantically interested in him. If a person's advances make you feel nervous, have nothing to do with them. </p> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>Be cautious if a man habitually tends to negate your opinions and feelings</b>: "You don't believe that," or "You really don't feel that way,". </p> </div> <div style="border-bottom: #bfbfbf 1pt dashed; border-left: medium none; padding-bottom: 10pt; padding-left: 0in; padding-right: 0in; margin-left: -24.3pt; border-top: medium none; margin-right: 0in; border-right: medium none; padding-top: 0in;"> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; B<b>e cautious with anyone who tends to degrade an entire gender</b>: "They're all bitches or sluts", "They say&nbsp;&nbsp;one thing when they&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;really mean another,". </p> </div> <div style="border-bottom: #bfbfbf 1pt dashed; border-left: medium none; padding-bottom: 10pt; padding-left: 0in; padding-right: 0in; border-top: medium none; border-right: medium none; padding-top: 0in;"> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>Be assertive with anyone who ignores your personal boundaries, regardless of the length of time you've been acquainted with the person</b>. You have every right to stop a sexual act from continuing at any time, regardless of your attraction to the other person or any prior sexual acts you have done with them. </p> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>Make an observation of how an individual treats service staff (waiters, clerks etc</b>.). Is he rude and aggressive with them?</p> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>Date people whose background you are familiar with in real life</b>. Always meet initial dates in public and do not allow them to come to your home until you are comfortable with the idea. </p> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>Avoid going into secluded areas with your date until you have known him for some time</b>. Go on double dates until you feel comfortable being alone with your boyfriend/girlfriend. Always let someone know who you are going with and where you are going. </p> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>Never be alone with people who ignore your personal boundaries</b>. This is specifically directed at men who won't take "no" for an answer when you reject their romantic/sexual overtures and also those who attempt to coerce you into behavior that you find uncomfortable. If someone does this, cut off all communication. </p> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>A person should never make you feel obligated to engage in a sexual act (this includes kissing) simply because they paid for drinks/dinner/entertainment</b>. You are also not obligated to engage in sexual activity with someone after an 'X' amount of dates. <b>Never</b> date a person who espouses those beliefs.</p> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>Do not go to an apartment or hotel room if you do not know the person well, and don't let them follow you to your room</b>. Do not give out your room number, and ask hotel/apartment staff not to give out your information to anyone who may call to ask about it. Once you are with someone in their room - or they, in yours - it is much more difficult to extract yourself from a bad situation. </p> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>Don't be afraid to leave an uncomfortable environment</b>. If your instincts are warning you to be afraid of a person or a situation, leave immediately. </p> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>Do not be afraid to make a scene if you feel threatened by an acquaintance</b>. Yell, kick, pound on a wall, throw things, do everything possible to attract outside attention. </p> <p style="padding-bottom: 0in; line-height: 14.4pt; margin: 0in 0in 10pt; padding-left: 0in; padding-right: 0in; padding-top: 0in;border: medium none;"><b>Be a "bad" girl</b>. So many girls are taught that in order to be "good," we must be docile, accepting, quiet and polite. This is wrong, especially at times when you feel threatened. If your instincts tell you that you need to get away from someone, get away and don't worry about hurting his/her feelings or causing a scene.</p> </div> <p style="margin: 0in 0in 10pt;">&nbsp;</p>urn:uuid:b35ab5e7-5da1-47db-aaee-cd66162f3ba3<img src='http://farm5.static.flickr.com/4012/4203872005_b02c41d852_o.png' align='left' />Make a Payment Online! By: Terry Young - President SRS Insurance Group Ph 1-877-222-UROK (8765) Did you know that you can now make payments online at SRS Insurance using your credit card? Check out below the quick and easy fill in the blank form to d...Thu, 15 Jul 2010 07:10:06 -0500<h1>Make a Payment Online!</h1> <p>By: Terry Young - President<br /> SRS Insurance Group<br /> Ph 1-877-222-UROK (8765)</p> Did you know that you can now make payments online at SRS Insurance using your credit card? Check out below the quick and easy fill in the blank form to do so. If you need to make a payment online just click here and it will take you to our secure page for credit card or bank draft payments online! Look on the left hand side of this webpage and just click &gt;&gt;&gt; make a payment!<br /> www.southernriskservices.com<br /> <br /> Thanks,<br /> Terry Young<br /> <br /> <div id="pnl_paymentForm"><hr size="1" width="100%" noshade="true" /> Quickly and easily make a payment&nbsp;directly with&nbsp;Southern Risk Services, LLC. by completely filling out the form below.&nbsp; Click the Submit button when finished.<br /> <br /> <table style="border-collapse: collapse;" id="paymentTable" border="0" cellpadding="5" width="530"> <tbody> <tr> <td style="width: 200px;" valign="top"> <p>Policy Number<br /> <em>Required</em> Your poilicy number is required.</p> </td> <td valign="middle"><input id="txt_policyNumber" type="text" name="txt_policyNumber" /></td> </tr> <tr> <td style="width: 200px;" valign="top"> <p>Name<br /> <em>Required</em> Name is required.</p> </td> <td valign="middle"><input style="width: 228px;" id="txtName" type="text" name="txtName" /></td> </tr> <tr> <td style="width: 200px;" valign="top"> <p><strong>E-Mail Address</strong><br /> <em><em>Required</em> E-Mail Address is required. A valid e-mail address is required.</em></p> </td> <td valign="middle"><input style="width: 250px;" id="txt_eMail" maxlength="150" type="text" name="txt_eMail" /></td> </tr> <tr> <td style="width: 200px;" valign="top"> <p>Street Address<br /> <em>Required</em> Street Address is required.</p> </td> <td valign="middle"><input style="width: 250px;" id="txt_street" maxlength="150" type="text" name="txt_street" /></td> </tr> <tr> <td style="width: 200px;" valign="top"> <p>City<br /> <em>Required</em> City is required.</p> </td> <td valign="middle"><input style="width: 250px;" id="txt_city" maxlength="150" type="text" name="txt_city" /></td> </tr> <tr> <td style="width: 200px;" valign="top"> <p>State<br /> <em>Required</em> </p> </td> <td valign="middle"><select id="drp_state" name="drp_state"> <option selected="true" value="AK">AK</option> <option value="AL">AL</option> <option value="AR">AR</option> <option value="AZ">AZ</option> <option value="CA">CA</option> <option value="CO">CO</option> <option value="CT">CT</option> <option value="DC">DC</option> <option value="DE">DE</option> <option value="FL">FL</option> <option value="GA">GA</option> <option value="HI">HI</option> <option value="IA">IA</option> <option value="ID">ID</option> <option value="IL">IL</option> <option value="IN">IN</option> <option value="KS">KS</option> <option value="KY">KY</option> <option value="LA">LA</option> <option value="MA">MA</option> <option value="MD">MD</option> <option value="ME">ME</option> <option value="MI">MI</option> <option value="MN">MN</option> <option value="MO">MO</option> <option value="MS">MS</option> <option value="MT">MT</option> <option value="NC">NC</option> <option value="ND">ND</option> <option value="NE">NE</option> <option value="NH">NH</option> <option value="NJ">NJ</option> <option value="NM">NM</option> <option value="NV">NV</option> <option value="NY">NY</option> <option value="OH">OH</option> <option value="OK">OK</option> <option value="OR">OR</option> <option value="PA">PA</option> <option value="RI">RI</option> <option value="SC">SC</option> <option value="SD">SD</option> <option value="TN">TN</option> <option value="TX">TX</option> <option value="UT">UT</option> <option value="VA">VA</option> <option value="VT">VT</option> <option value="WA">WA</option> <option value="WI">WI</option> <option value="WV">WV</option> <option value="WY">WY</option> <option>--</option> <option value="AB">AB</option> <option value="BC">BC</option> <option value="MB">MB</option> <option value="NB">NB</option> <option value="NL">NL</option> <option value="NS">NS</option> <option value="NT">NT</option> <option value="NU">NU</option> <option value="ON">ON</option> <option value="PE">PE</option> <option value="QC">QC</option> <option value="SK">SK</option> <option value="YT">YT</option> </select></td> </tr> <tr> <td style="width: 200px;" valign="top"> <p>Postal (ZIP) Code<br /> <em>Required</em> Postal Code is required.</p> </td> <td valign="middle"><input style="width: 72px;" id="txt_zip" maxlength="5" type="text" name="txt_zip" /></td> </tr> <tr> <td style="width: 200px;" valign="top"> <p>Phone Number<br /> <em>Required</em> Phone Number is required.</p> </td> <td valign="middle"><input id="txt_phone" type="text" name="txt_phone" /></td> </tr> <tr> <td style="width: 200px;" valign="top"> <p>Payment Type<br /> <em>Required</em> Please select an account type.</p> </td> <td valign="middle"><select id="drp_Payment_Type" name="drp_Payment_Type"> <option selected="true">Please Select</option> <option value="ACH">Checking / Savings Account</option> <option value="AMEX">American Express</option> <option value="MC">Master Card</option> <option value="VISA">Visa</option> </select></td> </tr> <tr> <td style="width: 200px;" valign="top"> <p>Account Number<br /> <em>Required</em> An account number is required.</p> </td> <td valign="middle"><input style="width: 224px;" id="txt_Account_Number" maxlength="20" type="text" name="txt_Account_Number" /></td> </tr> <tr> <td style="width: 200px;" valign="top"> <p><b>Charge Amount</b><br /> Requried Payment amount is required." display="Dynamic" initialvalue isvalid="true"&gt;<br /> Payment amount is required. </p> </td> <td valign="middle"><input id="txt_chargeAmt" type="text" name="txt_chargeAmt" /></td> </tr> <tr> <td valign="top" colspan="2"> <p>&nbsp;</p> <div class="formFieldText"><strong>Important Terms and Conditions:</strong><br /> I understand that any payments&nbsp;made via this website do not constitute a binding agreement or change to my policy or coverages.&nbsp; Payments&nbsp;to policies are not effective or binding&nbsp;until I, or any party involved, receive official notice&nbsp;from either my insurance agent, or insurance company.</div> <p>&nbsp;</p> </td> </tr> <tr> <td valign="middle" colspan="2"><center><input id="btn_submit" onclick="javascript:WebForm_DoPostBackWithOptions(new WebForm_PostBackOptions(&quot;btn_submit&quot;, &quot;&quot;, true, &quot;&quot;, &quot;&quot;, false, false))" value="Agree To Terms and Submit Payment" type="submit" name="btn_submit" /></center></td> </tr> </tbody> </table> <br /> </div> <div id="pnl_paymentLinks">Company Payment Links <hr size="1" width="100%" noshade="true" /> The insurance carriers listed below will accept your credit card or electronic check payments without any service charge. Please click on your appropriate carrier below. If you have any questions, please feel free to <a href="https://61b9538a-9abe-4e24-bb3d-1c1c5dc2148d.insurancewebsitebuilder.com/contact.aspx">contact us</a>.<br /> <br /> <table border="0" cellpadding="5" width="100%"> <tbody> <tr> <td style="border-bottom: #ffffff 1px solid;"> <div class="subtitle"><img alt="" style="float: right;" src="http://farm5.static.flickr.com/4012/4203872005_b02c41d852_o.png" /><a href="https://secureamp.travelers.com/" target="_blank">Travelers Insurance Payment Link</a></div> <div class="plainText">Link for customer payments</div> </td> </tr> <tr> <td style="border-bottom: #ffffff 1px solid;"> <div class="subtitle"><img alt="" style="float: right;" src="https://61b9538a-9abe-4e24-bb3d-1c1c5dc2148d.insurancewebsitebuilder.com/img/library/carriers/driveinsurancelogo.gif" /><a href="https://payment2.progressive.com/expresspay/ExpressPay.aspx?Page=PYMT.Express.EnterPolicyInformation" target="_blank">Progessive Insurance Payment Link</a></div> <div class="plainText">Link for Customer Payments</div> </td> </tr> <tr> <td style="border-bottom: #ffffff 1px solid;"> <div class="subtitle"><img alt="" style="float: right;" src="http://farm3.static.flickr.com/2719/4203881381_b8de6f39f6_m.jpg" /><a href="https://customercenter.auto-owners.com/cp/login/EnrollmentAgreement.do" target="_blank">Auto Owners Insurance Payment link</a></div> <div class="plainText">Link for customer payments</div> </td> </tr> <tr> <td style="border-bottom: #ffffff 1px solid;"> <div class="subtitle"><img alt="" style="float: right;" src="http://farm3.static.flickr.com/2506/4204762056_513813278b_m.jpg" /><a href="http://www.harfordmutual.com/products/billing.htm" target="_blank">Harford Mutual Insurance Payment Link</a></div> <div class="plainText">Linkfor customer payments</div> </td> </tr> <tr> <td style="border-bottom: #ffffff 1px solid;"> <div class="subtitle"><img alt="" style="float: right;" src="https://61b9538a-9abe-4e24-bb3d-1c1c5dc2148d.insurancewebsitebuilder.com/img/library/carriers/safeco.gif" /><a href="https://customer.safeco.com/login.asp?hdnOriginalURL=NONE&amp;hdnCookieDetectionComplete=TRUE" target="_blank">Safeco Insurance Payment Link</a></div> <div class="plainText">Link for customer payments</div> </td> </tr> <tr> <td style="border-bottom: #ffffff 1px solid;"> <div class="subtitle"><img alt="" style="float: right;" src="https://61b9538a-9abe-4e24-bb3d-1c1c5dc2148d.insurancewebsitebuilder.com/img/library/carriers/zurich.gif" /><a href="https://secure4.billerweb.com/zur/JustPayIt/jpt.do" target="_blank">Zurich Insurance Payment Link</a></div> <div class="plainText">Link for customer payments</div> </td> </tr> <tr> <td style="border-bottom: #ffffff 1px solid;"> <div class="subtitle"><img alt="" style="float: right;" src="https://61b9538a-9abe-4e24-bb3d-1c1c5dc2148d.insurancewebsitebuilder.com/img/library/carriers/gmaclogo.jpg" /><a href="https://www.secureinsforms.com/MyPolicy/Login/MainMenu.asp?target=AcctInfo" target="_blank">GMAC Insurance Payment Link</a></div> <div class="plainText">Link for customer payments</div> </td> </tr> <tr> <td style="border-bottom: #ffffff 1px solid;"> <div class="subtitle"><img alt="" style="float: right;" src="https://61b9538a-9abe-4e24-bb3d-1c1c5dc2148d.insurancewebsitebuilder.com/img/library/carriers/americanmodernlogo.gif" /><a href="http://www.amig.com/" target="_blank">American Modern Insurance Payment Link</a></div> <div class="plainText">Link for customer payments</div> </td> </tr> <tr> <td style="border-bottom: #ffffff 1px solid;"> <div class="subtitle"><img alt="" style="float: right;" src="https://61b9538a-9abe-4e24-bb3d-1c1c5dc2148d.insurancewebsitebuilder.com/img/library/carriers/foremostlogo.gif" /><a href="http://www.foremost.com/payonline/" target="_blank">Foremost Insurance Payment Link</a></div> <div class="plainText">Link for customer payments</div> </td> </tr> <tr> <td style="border-bottom: #ffffff 1px solid;"> <div class="subtitle"><img alt="" style="float: right;" src="http://farm5.static.flickr.com/4048/4204608416_55c168699c_m.jpg" /><a href="http://www.jjins.com/v2/payments.aspx" target="_blank">Johnson &amp; Johnson Insurance Payment Link</a></div> <div class="plainText">Link for customer payments</div> </td> </tr> <tr> <td style="border-bottom: #ffffff 1px solid;"> <div class="subtitle"><img alt="" style="float: right;" src="http://farm3.static.flickr.com/2684/4204756838_50c4212dd3_o.png" /><a href="http://www.summitholdings.com/forms/uw/WebCAPPaymentPlan.pdf" target="_blank">Bridgefield Casulty / Summit Work Comp Payment Link</a></div> <div class="plainText">Link for customer WEBCAP program</div> </td> </tr> </tbody> </table> </div> <br />urn:uuid:dd69e823-9e54-4105-bee9-348b5c72ac51<img src='http://images.akc.org/enewsletter/yourakc/2010/july/summer.jpg' align='left' />Summertime Tips for your Dog By Terry Young President SRS Insurance Group Phone: 1-877-222-UROK (8765) Summer months are a special time to enjoy the great outdoors with your dog. When you and your dog are out in warm weather, you might encounter a...Wed, 14 Jul 2010 16:35:23 -0500<strong><span style="font-size: 24px;">Summertime Tips for your Dog <br /> </span></strong> <p>By Terry Young<br /> President SRS Insurance Group<br /> Phone: 1-877-222-UROK (8765)<br /> <br /> <img width="256" height="178" alt="" style="margin-top: 10px; margin-bottom: 10px; float: right;" src="http://images.akc.org/enewsletter/yourakc/2010/july/summer.jpg" />Summer months are a special time to enjoy the great outdoors with your dog. When you and your dog are out in warm weather, you might encounter armies of fleas, ticks, stinging insects, fire ants or snakes. They are all ready to attack us &ndash; and our pets &ndash; and cause itching, illness or even death. . </p> <p>Discuss with your veterinarian the safest products or procedures to use toward preventing these unwanted guests. Some common preventive methods include: </p> <ul> <li><strong>Use flea, tick and heartworm prevention</strong>; some flea and tick preventives also contain a mosquito repellant. </li> <br /> <li><strong>Avoid standing pools of water</strong> and keep water bowls fresh, to avoid mosquitoes.</li> <br /> <li><strong>Don&rsquo;t use &lsquo;human&rsquo; mosquito repellants on animals</strong>, especially those containing the ingredient DEET, since they can cause neurological problems in pets.</li> <br /> <li><strong>Watch for fire ant nests</strong> on the ground. </li> <br /> <li><strong>Don&rsquo;t let your dog explore holes in the ground</strong>, logs or other objects where snakes or yellow jacket nests might be hidden.</li> <br /> <li><strong>After your dog has been in an area populated by ticks</strong>, thoroughly comb him within four to six hours to help prevent ticks from attaching.</li> </ul> <p><strong>Be on the Alert for Stings</strong><br /> If you suspect that your pet has been stung or bitten by an insect, it&rsquo;s always best to call your veterinarian immediately for advice on what to do. </p> <p>Dogs are often stung on their face or paws and these stings can be extremely painful &ndash; sometimes you can&rsquo;t immediately tell what is wrong. A dog that has been stung will often become agitated and run around shaking his head or pawing at his collar. If stung in or around his mouth or throat, swelling can constrict his airway and be life-threatening. Multiple stings can also cause major problems, such as anaphylactic shock. Signs of shock can vary but may include depression, breathing problems, pale gums and a weak pulse.</p> <p>If your dog is stung by fire ants, remove him from the area and brush off any ants remaining on him. Don&rsquo;t spray them off with water, as that will cause them to hang on with their jaws and continue to sting. </p> <p style="text-align: left;">Spider bites can be very dangerous to dogs. Although generally harmless, there are several varieties of spiders that can cause severe problems. Some spider venom contains digestive enzymes that can damage skin tissue, causing a wound to grow quickly with a secondary infection. </p> <p style="text-align: left;">Ticks can also pose a threat to your dog&rsquo;s health. If you suspect your dog has been exposed to ticks, inspect him thoroughly. Ticks can also carry and spread blood-borne diseases, such as Lyme disease, Rocky Mountain spotted fever and tick paralysis. </p> <p>If your dog has been exposed to an area populated by ticks, thoroughly comb him within four to six hours to help prevent ticks from attaching. Ticks are most commonly found on the head, neck, ears, armpits and feet, although you should carefully check your dog&rsquo;s entire body. </p> <p>Your veterinarian can suggest proper tick removal methods. If you do find an attached tick, remove it promptly. Also, observe your dog for any lethargy, lack of appetite or other abnormal behavior. If you suspect your dog could have contracted a disease from a tick bite, ask your veterinarian for advice. </p> <p>Summertime is an exciting, beautiful time of year we can enjoy outdoors with our pets but the unexpected can happen. Plan ahead for your dog&rsquo;s unforeseen health emergencies. Be safe &ndash; not sorry!<strong></strong></p> <p>The American Kennel Club offers <a href="http://www.akc.org/public_education/summer.cfm">these additional tips</a> for canine safety during summer months.<br /> Information provided above was obtained from the AKC American Kennel Club<br /> <a href="http://www.akc.org/enewsletter/yourakc/2010/july/summer.cfm">http://www.akc.org/enewsletter/yourakc/2010/july/summer.cfm</a></p>urn:uuid:248f0a8a-b78e-4fbb-b1ff-3d7f8f37b586The circle of safety: a vacation is your time to relax and enjoy life! By Terry Young SRS &nbsp;Insurance Group vacation checklist&hellip;. &nbsp; 1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Make sure all electrical appliances are turned off. &nbsp; 2.&nbsp;&...Thu, 01 Jul 2010 12:23:57 -0500<p><a name="_Toc494159933"></a><a name="_Toc494158177"><b>The circle of safety: a vacation is your time to relax and enjoy life!</b></a></p> <p><b></b></p> <h4 style="margin: 3pt 0in;">By Terry Young</h4> <p style="margin: 3pt 0in;"><b>SRS &nbsp;Insurance Group</b></p> <p style="margin: 3pt 0in;"><b></b></p> <h1 style="margin: 3pt 0in;">vacation checklist&hellip;.</h1> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Make sure all electrical appliances are turned off.</p> <p style="margin: 3pt 0in 3pt -0.15in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Clean the refrigerator of all perishable foods and take out the garbage. </p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Lock all windows and doors.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Arrange to have the newspaper and mail held until your return or have them picked up by a trusted neighbor.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Let a trusted neighbor know you will be away and have them keep an eye on your home for you. It&rsquo;s a good idea to leave your vacation address and telephone number with a neighbor so you can be reached in case of an emergency.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Never leave your house key hidden outside your home.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Set timers on interior lights.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Make sure to unplug televisions, computers, and appliances that are susceptible to lightning and power surges.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Advise your alarm company and local police if you will be gone for an extended period.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">10.&nbsp; Store jewelry and valuable papers in a safe deposit box.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">11.&nbsp; Arrange for the care of pets.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">12.&nbsp; Set the heating system to provide minimum heat of 55 degrees.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p>&nbsp;</p> <p>At SRS Insurance Group, we take a personal interest in our customers. We like to share information that comes to help you protect yourself and your family from financial loss. If you have any questions, regarding this information or your insurance coverage, please don&rsquo;t hesitate to give me a call at Ph 1-877-222-UROK (8765)or e-mail me personally at ty@southernriskservices.com</p>urn:uuid:0a670149-4211-4120-b544-023da563daddThe circle of safety: enjoy longer days and warmer nights while protecting your investment&hellip;. By Terry Young SRS Insurance group Summer maintenance tips&hellip;. &nbsp; 1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Check deck or patio for possible deterio...Thu, 01 Jul 2010 12:02:20 -0500<p><a name="_Toc494159933"></a><a name="_Toc494158177"><b>The circle of safety: enjoy longer days and warmer nights while protecting your investment&hellip;.</b></a></p> <p><b></b></p> <h4 style="margin: 3pt 0in;">By Terry Young</h4> <p style="margin: 3pt 0in;"><b>SRS Insurance group</b></p> <p style="margin: 3pt 0in;"><b></b></p> <h1 style="margin: 3pt 0in;">Summer maintenance tips&hellip;.</h1> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Check deck or patio for possible deterioration and safety hazards such as loose boards and protruding nails.</p> <p style="margin: 3pt 0in 3pt -0.15in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Check electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service. </p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Check all window and door locks to ensure correct functioning. Make sure all locks are secure and there are no holes in any of the screens.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Inspect recreational equipment for proper operation and possible dangers (e.g., are swing sets secure with no rusty bolts?).</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Carefully inspect your toilet. Look for the erosion of plastic floater valves, and check all pipe connections.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Clean and/or replace furnace filter.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust and pieces of material.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Inspect washing machine hoses periodically and replace hoses that show signs of wear or leakage.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Have roof inspected by a professional once every few years to identify areas of potential leakage.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p>&nbsp;</p> <p>At SRS Insurance Group, we take a personal interest in our customers. We like to share information that comes to help you protect yourself and your family from financial loss. If you have any questions, regarding this information or your insurance coverage, please don&rsquo;t hesitate to give me a call at 1-877-222-UROK (8765) or e-mail me personally at ty@southernriskservices.com.</p>urn:uuid:8add24e5-9489-459e-80c6-39516c55950aTerry Young of SRS Insurance Group shares the "quantum Leaps" in technology that have taken place over the last 50 years. Watch this brief video clip of a 1959 Chev Bel Air crash test with a 2009 Chev malibu. Guess which one wins the fight? Also Terr...Thu, 08 Apr 2010 09:41:43 -0500Terry Young of SRS Insurance Group shares the "quantum Leaps" in technology that have taken place over the last 50 years. Watch this brief video clip of a 1959 Chev Bel Air crash test with a 2009 Chev malibu. Guess which one wins the fight? Also Terry will share with you as a Parent the "secrets" of the <strong><em><span style="text-decoration: underline;">Teen Driver Contract</span></em></strong> to help you protect your NEW teen driver. Watch the 2 minute video for information on how to get <strong><em><span style="text-decoration: underline;">YOUR FREE copy</span></em></strong> of the teen driver contract for LIFE!<br /> <br /> Click Here...<br /> <a href="http://www.youtube.com/watch?v=WjPly1pvvnY">http://www.youtube.com/watch?v=WjPly1pvvnY</a><br /> <br /> <br /> Have a Safe day!<br /> <br /> Terry Young<br /> President SRS Insurance Group<br /> www.southernriskservices.com<br /> Ph: 1-877-222-UROK (8765)<br /> Email: TY@SouthernRiskServices.com<br /> urn:uuid:44acef27-5c61-4654-979b-580d2a8ea92760 Commercial Business Owners Share Details Of Why They Do Business With Terry Young and SRS Insurance Group… &nbsp; &nbsp; I have an agent at SRS I am working with whose name is Terry.  He is doing a wonderful job.  I was having all kinds of diffi...Wed, 07 Apr 2010 14:30:18 -0500<p style="text-align: center; margin: 0in 0in 0pt;"><b><i><span style="font-size: 18px;">60 Commercial Business Owners Share Details Of Why They Do Business With Terry Young and SRS Insurance Group…<br /> <br /> </span></i></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>I have an agent at SRS I am working with whose name is Terry.  He is doing a wonderful job.  I was having all kinds of difficulties getting commercial insurance on the twenty units in Alabama and he came through with flying colors.  I definitely would refer him to some of my friends who are doing commercial real estate for the service she rendered.  Again, it was a blessing to speak to this agent.  Thank you!</b></p> <p style="margin: 0in 0in 0pt 2.5in;"><b>Samuel, Diamond Bar, California<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 2.5in;"><b></b></p> <p style="margin: 0in 0in 0pt 2.5in;"><b></b></p> <p style="margin: 0in 0in 0pt;">I have been acquainted with Terry Young and SRS for several years and have always known them for ther professional care, integrity and accuracy in their work. They has been very helpful to me on several occasions and has always been very pleasant to work with.</p> <p style="margin: 0in 0in 0pt;">                                                            </p> <p style="margin: 0in 0in 0pt;"><b>Cheryl Tarver, MRM ~ Birmingham, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">I am writing you to show my appreciation to your company and in particular my agent. I am assuming that your company does not do a lot of business in the USL&amp;H field and dealing with the U.S. Government and all its entities. In switching insurance companies as I did two years ago, I was very apprehensive about Terry being able to deal with as many requests that I put upon him. I will say he stepped up to the plate and hit a home run for me. My business in dealing with the government is probably unique to your company. Terry took extreme patience in my request to forward, make sure all the I’s were dotted and all the T’s were crossed. In forwarding information to Northrop Grumman in Newport News, Virginia to Northrop Grumman in Pascagoula, Mississippi and to Northrop Grumman in Gulf Port, Mississippi and Northrop Gruman in Avondale, Louisiana. And to Chipton – Ross in California and Butler International in Jacksonville, Florida. In addition, all the other companies I do business with. In doing this, he had to also handle my general liability with an umbrella, also my auto with an umbrella. All of the calling back and forth in dotting out I’s and crossing our T’s he never wavered in his diligence to detail. It’s not very often that someone stands out as Terry has with me and several of my customers. And knowing that when you give him a client to service, he is going to represent your company in a high degree in efficiency. Again let me say thank you for the opportunity to be associated with SRS Insurance Group.<b></b></p> <p style="margin: 0in 0in 0pt;"><b>                                                </b></p> <p style="margin: 0in 0in 0pt;"><b>R.S. Collins, CEO, Eagle Marine Services ~ Irvington, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">I became acquainted with Terry during the spring of 2006 when I began working with the Mid-South Industries insurance program. SRS Insurance Group has provided expert insurance guidance to Mid-South Industries and its subsidiaries for many years. I personally have years of experience dealing with the property and casualty insurance markets and have worked with many insurance professionals over the years. I have found Terry to be very knowledgeable about the markets and helpful to me in all my dealings with her. Terry has gone above and beyond on several occasions to make sure that he renders the most expert and capable service possible to Mid-South Industries. I consider Terry a great asset to the Mid-South Industries insurance team.</p> <p style="margin: 0in 0in 0pt;">            </p> <p style="margin: 0in 0in 0pt;"><b>James D. Garrett, VP-Finance/CFO, Mid-South Industries, Inc. ~ Gadsden, AL<br /> <br /> </b><b></b></p> <p style="margin: 0in 0in 0pt 2.5in;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Larry Haynes in Talladega, Alabama. I have the Huddle House in and also have a Huddle House here in and also have a Huddle House in Lincoln, along with Auto Truck Plaza Convenience Store/T-Store.  Terry Young has been working with me, and it’s kind of complex with all the different businesses getting us covered. He has done a great job.  He has been very helpful, very formal, very professional, and I appreciate his help on this. </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">          <b>Larry Haynes, Huddle House, Talladega, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I am the Vice President for Sales and Contracting for Bulldog Marine, a Florida Marine Contractor.  I just wanted to say thanks for helping us just in the past three of four months set up the 1-800 number where our guys can leave a message if they’ve had an injury or if they got hurt or whatever and it can broadcast out to our loss control guy and acutally send ya’ll a voice message.  It’s really been helpful just in the past three or four months and really helped us secure a good deal with our insurance company that we have right now.  In fact, combining that with our loss control manager, it’s going to save us $200,000+ a year just putting this whole thing into play. I really appreciate Terry and what you guys have done for us just in the last six months since I’ve been with you guys. I really appreciate too more than anything how you are up with the times and using technology, with this 1-800 claims line and email and different things we’ve used.  We’ve been with other insurance agencies in the past and it’s just been a nightmare trying to get information; they want to fax stuff to us or mail stuff to us and get us to sign it and get it back in two or three days and then our paperwork gets lost in the mail. This 1-800 claims line that we put in and some of the other things that you’ve told us we can do in the future that I definitely want to get up and running.  Thanks so much!</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                <b>Brian Hall, Bulldog Marine, Mobile, Alabama<br /> <br /> </b><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I just wanted to say that your employees have been absolutely wonderful in helping us try to find workers comp insurance in order to get out of the JUA.  I know it’s been a long and difficult process and they’ve really worked hard.  I especially appreciate Terry, who has been working on this for quite some time.  Terry has done just a wonderful job; we’ve gotten a great quote for our coverage for our workers comp; and I just want to thank you ever so much again. For the wonderful superb job that your employees have done for us.  Thanks again!</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 1.5in;"><b>Joan, AT Survey Incorporated, Panama City, Florida<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 1.5in;"><b></b></p> <p style="margin: 0in 0in 0pt 1.5in;"><b></b></p> <p style="margin: 0in 0in 0pt;">We have worked with Terry Young for a long time.  He is very nice.  SRS Insurance has been nothing but nice and they’ve done very well when we’ve worked with them.  My boss, Shane, has worked with Terry; he thinks a lot of him, and I would recommend SRS to anybody.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 2in;"><b>Alex, Gadsden Country Club, Gadsden, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 2in;"><b></b></p> <p style="margin: 0in 0in 0pt 2in;"><b></b></p> <p style="margin: 0in 0in 0pt;">I have been dealing with Terry regarding our insurance needs since starting work for MS-2. He is a very professional and friendly person. I receive a prompt response every time I have questions or concerns.</p> <p style="margin: 0in 0in 0pt;">                                                            <b>Julie Fussell, MS-2, LLC ~ Gadsden, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Thank you for your assistance in getting insurance coverage for HDS in a very prompt and courteous manner. You have always answered our questions and have gotten better rates than we anticipated on many occasions. We sincerely appreciate your help in "Keeping HDS Covered".</p> <p style="margin: 0in 0in 0pt;">                                                            </p> <p style="margin: 0in 0in 0pt;"><b>Janet French<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Every year when our company comes up for renewal I know that I can always count on the Terry Young to take care of us. Whatever curve ball we throw at them they always hit a grand slam. If I ever have a problem I can make one phone call and get it solved immediately. They make us feel like we are their largest and best client. We have been with the SRS Group since 2005 and have had the same client manager handling our policies, which tells me that the SRS Group not only takes care of their clients but their employees as well. Terry has done cartwheels to service our account; he has sacrificed some weekends and even some of his vacations when we have come across a deadline. He has always put our company and our needs first. The marine business can be very difficult to keep up with but the SRS Group has been the most educated in knowing our company’s needs.  We feel as if we are part of their family and I hope they know they are a part of ours.</p> <p style="margin: 0in 0in 0pt;">                                                            </p> <p style="margin: 0in 0in 0pt;"><b>Brenda Hall, Bulldog Marine</b><b> <br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 2in;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Terry has been working helping us get our insurance going.  He has been absolutely excellent! He’s help me in every way that I have asked her to getting us a quote and we signed on with ya’ll probably a couple of months ago on our general liability.  I just really appreciate everything that He has done to help us get to this point. I just want to say that he is excellent.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                        <b>Angela, Trent Thrasher Construction, Rainbow City, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 1.5in;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Richard Meyers calling from Wallaceburg, Ontario, Canada. I’m pleased to say that our company started another division in Gadsden, Alabama recently called MS2 Products. When we moved to Alabama, we were pleased to get insurance through Terry Young and his agency.  They have been excellent to work with.  Our transfer people have been very happy with the service and the local people have recommended it right from the beginning.  I appreciate everything they've done for us.  They've been easy to contact and quick feedback whenever we've had questions.  Thank you.  </p> <p style="margin: 0in 0in 0pt;">                                                                                                <b>Richard Meyers, Ontario, Canada<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Wayne Collins. I just wanted Terry and everyone to know at SRS Insurance how much I appreciate the service ya’ll give me.  You are always so friendly when I come up there and I couldn’t be pleased with any other insurance company, plus I like keeping it local, I like dealing with local people, even though I seldom have to come with a claim.  Very, very rarely and when I have they have treated me extremely nice.  I appreciate the service you give me, and I look forward to continue using you as my insurance agent with not only my cars but also my home. Thanks again.  </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 1.5in;"><b>Wayne Collins, Rainbow City, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 1.5in;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Jeff Turner, Plant Manager of Stonewall Jackson Mold in Annville, Kentucky. We do all types of molding work for various industries including automotive.  I would just like to say that Terry Young over the last two years has been a great help to me in keeping my shop as safe as possible and helping me reduce my work comp cost.  The walk throughs of our facility that they do are a tremendous asset to us in identifying potential problems and hazards and correcting them before they occur.  I really commended them on their work.  I actually look forward to them coming in the back door because I know they are there to help us. I would highly recommend them to anyone in our industry.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>                                                Jeff Turner, Stonewall Jackson Mold, Annville, Kentucky<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">The attention and response I get is very prompt and considerate.  They are concerned about me, my issues, and what I need to accomplish.  They took over an account that they were not yet making any commission off of, and accomplished a huge savings for me, that my old agent was not interested in working on.  It is customer service that I have not been used to getting from anyone lately.  Thank You Terry.</p> <p style="margin: 0in 0in 0pt 2in;"><b>D. Thornton, ABAE Personnel, Huntsville, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 2in;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">We were able to save <b>approximately 48% ($83,000)</b> because Terry Young and SRS Insurance  assisted us in correcting errors on our MOD worksheet which resulted in our being placed in preferred market.  </p> <p style="margin: 0in 0in 0pt 3in;"><b>M. Johnson, Gadsden, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 3in;"><b></b></p> <p style="margin: 0in 0in 0pt 3in;"><b></b></p> <p style="margin: 0in 0in 0pt;">This is Jim with Barnett Enterprises in Birmingham, AL.  I applied to the SRS Company for workers compensation and within one day, Terry’s staff  had gotten me a quote back and we were about ready to do business. Thank you.  </p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Jim, Barnett Enterprises, Birmingham, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">This is Don from McCord Lighting Contractors in Centre, AL.  I have been with SRS for quite a few years now.  I am very, very, satisfied with how promptly they handle everything.  I have had one claim in the whole time and they were very prompt.  Everybody is courteous and always willing to go the extra mile with you to make sure you are covered.  They are not one of these people to say “There’s no way we can do it.”  They always find a way to do it.  I would recommend Terry Young’s Insurance Agency to anyone.  </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                            <b>Don, McCord Lighting Contractors, Centre, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I have really enjoyed working with the people there at SRS.  Right now we only have workers comp with them, but we have been very pleased with all the information that ya’ll send us and helping us get through with our insurance.  Thank you very much.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 1.5in;"><b>Glinda, Sand Mountain and North Jackson Water Authority, Scottosboro, Alabama<br /> <br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 1.5in;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Terry and his Insurance Team helped us to save <b>approximately 50%</b> by helping us avoid Assigned Risk.  </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                                    <b>M. Goodwin, Brewton, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I presently have insurance with SRS Insurance / Terry Young and have had for several years.  They have been a good company and every time I have ever called them for anything, they gave their prompt attention to the matter.  I’ve enjoyed doing business with them and hope to continue doing business with them.  They’ve always served me well and just seem to me like good folks.  Thank you very much.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                John Simpson, John Simpson Excavatin, Collinsville, Alabama<br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I’ve been with Terry Young and SRS for several years now and I’ve never asked for anything I didn’t get.  They are good people to do business with and I appreciate them.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 1.5in;"><b>Shane Nunn, N&amp;N Motors, Rainbow City, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 1.5in;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">This is Mylene Chambers at Stitches in Gadsden, AL.  The Terry’s staff at SRS Insurance have been absolutely wonderful.  We have been having some insurance changes and they have been more than, more than helpful and I just appreciate everything that they have done.  I don’t know what else to say other than give them a raise!  </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Mylene Chambers, Stitches, Gadsden, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I’ve done business with Terry and SRS for several years and I’m well satisfied with what they have done for me and I sure appreciate it.  Thank you very much.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Mickey Boyd, Owner, Boyd Maroney Foreign Car Service, Rainbow City, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Terry Young helped us save <b>approximately 53%</b> by moving to specialty program.  </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 2.5in;"><b>M. Thompson, Loxley, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Terry’s Team has helped with problems we had with Workers Comp.  They worked with us in accomplishing what we wanted and with a savings, but basically helped with an extra peace of mind that we had the insurance coverage we needed.  We have never worked with an Insurance Company who has been as prompt and available as SRS.  We hope to be able to work with this Insurance Company on other things in the future. </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 1.5in;"><b>Glinda Freeman, North Jackson County and </b></p> <p style="margin: 0in 0in 0pt 1.5in;"><b>Sand Mountain Water Authorities, Ider, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I work for Rodney Ward, an attorney in Gadsden, Alabama.  SRS Insurance has been providing probate bonds such as guardian bonds and administrator bonds to Mr. Ward for several years.  We have always had a good response.  Terry that works in the Gadsden office is always very quick about getting us an answer; always friendly and we won’t be changing bonding companies.</p> <p style="margin: 0in 0in 0pt;">                                                                                                <b>Stephanie, Gadsden, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">We have had insurance with Terry Young since 1998 and we are very pleased with the service and the help that ya’ll have been giving us.  Thank you.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Janie, Postnet, Rainbow City, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"> “I have been incredibly satisfied with the service level that SRS Insurance delivers on a daily basis.  SRS Insurance is very timely with their response to situations that arise and they resolve those issues promptly.  SRS exceeded my expectations as an insurance company from the first time that we began our business relationship.  I recommend Terry Young and his insurance team quite often to friends and business associates.  My recommendation for someone to use a particular vendor only happens when I know that the vendor can perform with professionalism and exceed the expectations of the consumer. “  </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 1.5in;"><b>J. Lee Buffington, President, Turf Tamer, Fort Payne, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 1.5in;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I have been dealing with SRS on commercial insurance and auto.  They done a great job.  They has called and informed me of everything that went on; how long it’s taking and they been super on the job.  I just wanted to let you know about it.  I’ve talked to four or five other agents, and ya’ll are way and far above other companies.  I just wanted to leave this recommendation for your staff.  </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 2in;"><b>Justin, Gibbs Service, Oneonta, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">We have been using the SRS Insurance Company and Terry and we are very satisfied with their service and the way they treat us.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 1.5in;"><b>Maxi, Ben Elkins Motors, Gadsden, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">We use SRS to insure our bonds and I’m very happy with them.  I’ve actually had an accident one time with a bond and they got me out of a terrible bind and I just really, really appreciate them and their patience and their help with everything that we need.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 0.5in;"><b>Jane Handy, H&amp;T Heating and Cooling, Rainbow City, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 0.5in;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Terry Young  reduced our premiums by <b>approximately 66%</b> by moving from us Assigned Risk to standard market.</p> <p style="margin: 0in 0in 0pt;">                                                                                    <b>M. Scott, Pensacola, F</b><b>lorida<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">I just wanted to leave a testimonial about how we have just switched over using SRS Insurance, and our agent, terry Young has been absolutely wonderful.  He really helped us get a wonderful rate on our business insurance, and helped us to find the best plan for us.  He has been so helpful and called several times just to check up and make sure everything was going fine. He has been outstanding, and we just really appreciate switching over and we’ve really enjoyed everything that he’s done for us.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 1in;"><b>Amy Fowler, Fowler’s Antique Mall, Wellington, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 1in;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 6pt;">"I want you to know that I really appreciate your customer service, prompt response, and attention.  When I opened my company I told everyone that I expected them to give "old fashioned customer service."  I am not used to getting this from anyone else lately.  Everyone in your office has been very helpful, very nice, and friendly attitudes.  It is a pleasure working with Terry and his team." </p> <p style="margin: 0in 0in 6pt 2in;"><b>Debbie, ABAE Personnel, Huntsville, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 6pt 2in;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Terry Young saved <b>approximately $35,000</b> by keeping account from moving to Assigned Risk after being non-renewed by current carrier.  </p> <p style="margin: 0in 0in 0pt 2.5in;"><b>H. Lambert, Birmingham, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Mary Helms and I work at C.C. Ryder or CDI Financing.  Terry Young and SRS Insurance has helped us get our bonds and just anything we ask of them. We like them.  They are good.  We appreciate their business with us.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                <b>Mary Helms, C.C. Ryder, Gadsden, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Jill with USA Sports from Huntsville. We’ve been with Terry Young  for two or three years. The customer service has been excellent. With the type of business that I do there are a lot of deadlines that need to be met and it’ll be last minute things and they have always come through every time I have needed something on a short time frame. They’ve definitely come through with that. Terry is always happy and eager to help and has wonderful customer service skills.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>                                                                                    Jill, USA Sports, Huntsville, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">My name is Mitzi Grubbs and I am an Executive Assistant at Mid-South Industries, Inc.  Terry Young’s Insurance Group has handled our company’s insurance needs for a number of years.  The efficient, friendly service they provide can only be commended.  </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                            <b>Mitzi Grubbs, MidSouth Industries ~ Gadsden, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">My name is Jimmy Walker. I own Walker’s Construction Company in Boaz, Alabama. I’ve been insured with SRS for the last several years now. I am totally satisfied with the customer service. I had one claim several years ago. The adjustor and the insurance company worked very well to satisfy our needs. Whenever I get a voice mail they are prompt to return my call. I am completely satisfied. I would recommend the Terry Young to friends and family. We do appreciate you.</p> <p style="margin: 0in 0in 0pt;">                                <b>Jimmy Walker, Walker’s Construction Company, Boaz, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I came to know about Terry Young and his team from an ad we received in the mail at a time of real dissatisfaction with BB&amp;T Insurance. That is how I came to know Terry and I feel a real friendship with him. His card says “We create relationships that customers CANNOT walk away from.” I agree with that on a business and personal basis. Terry is someone that makes me feel comfortable and I feel closeness even though we are miles apart. Everyone in your office is very helpful.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                            <b>Sandra Watruba, LDI Companies, Macon, GA<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">All my dealing with Terry has been very pleasant. He is very courteous, helpful and friendly.</p> <p style="margin: 0in 0in 0pt;">                                                            </p> <p style="margin: 0in 0in 0pt;"><b>Brenda Cole, Dixie Tool &amp; Die Co., Inc. ~ Gadsden, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Cindy Stringer. I wanted to say a few words about Terry Young and SRS Insurance Group. I work for MidSouth Industries and Terry has handled our insurance for many years. I have worked with a number of employees at SRS and have always received friendly service. I am satisfied with the level of service that Terry and his team delivers. Thank you for all that you do.                                                        </p> <p style="margin: 0in 0in 0pt;"><b>Cindy Stringer, MidSouth Industries ~ Gadsden, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">We just began using SRS Insurance a few months ago and I have to say I am very impressed with the customer service we’ve received thus far. The staff  are great to work with; they strive to provide excellent customer service and always meets our needs. They are very prompt with responses to my questions and very professional and courteous. Thank you!</p> <p style="margin: 0in 0in 0pt;">                                                            </p> <p style="margin: 0in 0in 0pt;"><b>Misty Burgess, RN Recruit, Inc. ~ Gadsden, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I have worked with Terry Young and his team for the past six years, and have always been impressed with the level of professionalism that is displayed at every level of their business. As a customer, SRS has assisted me in the securing of supersedes bonds, and I have always been pleased with the service and prices. I would not hesitate to refer their services to anyone with a similar need. I have also worked closely with Terry Young on other projects and can attest to their commitment to excellence and producing the best end result for all involved parties.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Matt Graham, MRM ~ Birmingham, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I want to thank SRS Insurance for all they have done for my daycare. They worked hard to get me better coverage for a lower cost. They provide local service and it has been a comfort to have someone close that I can count on. Thanks!</p> <p style="margin: 0in 0in 0pt;">                                                            </p> <p style="margin: 0in 0in 0pt;"><b>Kathy Denson, First Steps<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">SRS Insurance is a pleasure to work with. They have a great support staff and work hard for all they do business with. They are a great asset to any company.</p> <p style="margin: 0in 0in 0pt;">                                                <b>            </b></p> <p style="margin: 0in 0in 0pt;"><b>Kristi Rogers, CCU, City Branch<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I have been doing business with SRS Insurance for over three years. They are a joy to work with. They are always knowledgeable on any questions I have about insurance needs. They are always friendly and helpful. Terry goes the extra mile to make sure that their customers’ insurance needs are met. </p> <p style="margin: 0in 0in 0pt;">                                                            </p> <p style="margin: 0in 0in 0pt;"><b>Delynn ~ Attalla, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">It is a pleasure to work with Terry at SRS Insurance Group. They  always has a positive attitude and is willing to help in any way they can. I appreciate all her hard work and dedication. </p> <p style="margin: 0in 0in 0pt;">                                                                        </p> <p style="margin: 0in 0in 0pt;"><b>Julie Fussell, MS-2, LLC<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">As sub-contractors, our Workers Compensation Insurance expense escalated every year. Each year I would send our information out to get quotes. I received a lot of promises but no results from the other companies. With the other companies we had to get TN work comp and then buy another policy for Florida. You other sub-contractors out there know what I mean. That was going to be even more expensive and with the Florida policy we paid our down payment and months later found out we didn’t even have coverage in Florida. I would call the company who was supposed to be providing our coverage and they kept giving me excuse after excuse of why our policy had not been activated. We needed the coverage right away when we applied for it, not excuses. The whole process was a frustrating ordeal. That is, until last year when I happened to make contact with SRS Insurance Group. The staff received our information and within a couple of days we received a quote with coverage for all the states we needed for less money! The service has been great, one phone call and our agent is there working with us to answer questions and give our company advice, hassle free!</p> <p style="margin: 0in 0in 0pt;">                                                                        </p> <p style="margin: 0in 0in 0pt;"><b>Karen Myers, 21^st Century Broadband Services<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I want to say thanks to the staff of SRS and Terry Young for the excellent service they has given Williams Communications this past year. We appreciate their prompt response and diligence in helping solve any problems we have had. We’re looking forward to working with her again in 2007.</p> <p style="margin: 0in 0in 0pt;">                                                                        </p> <p style="margin: 0in 0in 0pt;"><b>Eva Gibson, Williams Communications, Inc.<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">We are REC Electric Company, Inc. value the staff of SRS for their great work that they provides to us. they always responds to our emails and is always very helpful to assist in any way that They can. They are a great asset to your firm and they are always dependable to get the job done. THANKS FOR ALL THAT YOU DO TERRY! May your New Year be prosperous!</p> <p style="margin: 0in 0in 0pt;">                                                                        </p> <p style="margin: 0in 0in 0pt;"><b>REC Electric Company and Staff<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Terry at SRS Insurance Group was extremely helpful in getting me out of the assigned risk pool last month here in South Carolina. They were courteous and quick to work on my account and they saved me money! They saved me over $7,000 on my annual premium and this is a reduction of 6 ½%. Terry was very honest and easy to work with over the phone. I look forward to working with him for years to come.</p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>Danny… Historical Repairs &amp; Maintenance, Inc. ~ South Carolina<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I want to thank the staff at SRS Insurance Group and Terry Young for helping me  replace my workers compensation coverage on renewal of 1/1/2007. They were able to get me out of the assigned risk pool in South Carolina and saved me 26% of my premium which reduced my cost approx. $12,878.</p> <p style="margin: 0in 0in 0pt 1.5in;">&nbsp;</p> <p style="margin: 0in 0in 0pt 1.5in;"> <b>Pam Wyder, Night Flyte, Inc. ~ Hopkins, SC<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 1.5in;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Mike at Patterson Printing.  Over the years I have done work for, and had SRS Insurance do work for me, dealing with them was always a pleasure.  They were so professional there were little room for error and no mistakes.  In my business that is always a big plus.  Dealing with the people was always a pleasure because they were always so friendly and still are always friendly.  Don’t know how much more I can say other than dealing with them has always been a pleasure. </p> <p style="margin: 0in 0in 0pt;">                                                            <b>Mike Patterson, Patterson Printing, Gadsden, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is David.  I work for Gadsden Fire Extinguisher Company. We have our insurance with SRS Insurance and have been pleased with their service and expect to continue to do business with them in the future.  </p> <p style="margin: 0in 0in 0pt;">                                                </p> <p style="margin: 0in 0in 0pt;"><b>David, Gadsden Fire Extinguisher Company, Gadsden, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Tom Roper and I’m from B’ham AL.  I am the President of a company known as Millennium Risk Managers.  I have been obtaining my insurance, bonding paper for our company, as well as general liability, E&amp;O liability insurance purposes for years.  I wouldn’t go anywhere else but SRS Insurance to take that business on for our company.  Without those types of programs our company could not function.  I want to also say that the staff of SRS are extremely well qualified that I have experienced and very, very polite. I have never been able to call with a question or problem that hasn’t been responded to or answered immediately.  It was a pleasure to give this testimonial for SRS Insurance.  They never ask anything from me, and I am always asking stuff from them.  </p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Tom Roper</b><b>, MRM, Birmingham, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">Terry, I have never properly thanked you for all you have done to help us. I just don’t know where we would be now if it weren’t for you. We did not even realize how inadequately we were covered. Now we have the correct coverage <b>and</b> for a lot less money. I feel so confident in your ability to manage all of our insurance needs, I don’t worry about what might happen any more. Thank you, thank you, thank you!!!            </p> <p style="margin: 0in 0in 0pt;">                                                                                                            </p> <p style="margin: 0in 0in 0pt;"><b>Gwyn Myers, Triple M Construction, Georgia</b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="text-align: center; margin: 0in 0in 0pt;">&nbsp;</p> urn:uuid:e1694658-a802-4bc4-b6ed-0467ccaf477341 People Explain Why They Will Continue To Give Their Personal Insurance Business To Terry Young and SRS Insurance Group “Our Friends and Clients Say It Best” ...Wed, 07 Apr 2010 13:35:00 -0500<p style="text-align: center; margin: 0in 0in 0pt;"><b><span style="font-size: 24px;">41 People Explain Why They Will Continue To Give Their <span style="text-decoration: underline;">Personal</span> <span style="text-decoration: underline;">Insurance</span> <span style="text-decoration: underline;">Business</span> To </span></b></p> <p style="text-align: center; margin: 0in 0in 0pt;"><b><span style="font-size: 24px;">Terry Young and SRS Insurance Group</span></b></p> <p style="text-align: center; margin: 0in 0in 0pt;"> <table cellspacing="0" cellpadding="0" width="100%"> <tbody> <tr> <td style="border: #f0f0f0; background-color: transparent;"> <div style="padding-bottom: 4.35pt; padding-left: 7.95pt; padding-right: 7.95pt; padding-top: 4.35pt;" class="shape"> <p style="text-align: center; margin: 0in 0in 0pt;"><b>“Our Friends and Clients Say It Best”</b></p> </div> </td> </tr> </tbody> </table> <b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <br clear="all" /> <p style="text-align: center; margin: 0in 0in 0pt;"><b><i>*** Personal Insurance for Auto, Home, Boats, etc. ***</i></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Recently, I contacted SRS Insurance to secure insurance for my mother. At 87, she has relocated to Hokes Bluff, Alabama and is building a new house. Of course, she will need insurance. There was no question in my mind that the only place I would go is the SRS Insurance Group. So why would I go to SRS Insurance? Our house and auto have been insured with SRS Insurance for over 20 years. I have always gotten the best rates and service that one could ask for. Again, why would I go to SRS Insurance? Let me tell you. There is one incident that really stands out. In 1984 or thereabouts, we had some straight line winds come roaring through Hokes Bluff, Alabama on a late Saturday morning. One of the victims of the wind was an enormous 52 foot southern pine that was in my back yard. Fortunately, the tree missed the house but managed to crush a large deck on the way to smashing into the swimming pool. I immediately called SRS Insurance not really knowing what to expect. </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">As it happened, Terry Young answered the phone. Within an hour, Terry was at my residence inspecting the damage. He told me that he was arranging for a cleanup crew to come and take the tree away.  An hour or so later, two men, trucks, chainsaws and ropes arrive. What happened next is what this testimonial is all about. These two tree men were hard at it when Terry jumped in and started to haul limbs away. My first thought was, “this is rather unusual, the big cheese of the insurance agency is here helping to clean up this mess?” Wow, if this is the kind of service I can expect for a blown down tree, what can I expect if something really serious happened? Terry’s personal effort made a permanent impression on me. From that day forward, I was, and still am, a well pleased customer. I have never forgotten Terry’s personal commitment to his customer. And by the way, the dedication to servicing their customers does not stop at Terry. All individuals I have had contact with at SRS Insurance have shown the same dedication and personal, one on one, attention. Thanks for the opportunity to share a pleasing experience.</p> <p style="margin: 0in 0in 0pt 2.5in;"><b>Carl Braun, Hokes Bluff, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I would like to tell Terry Young and the staff and everyone how appreciative I was in the timely manner they got me insurance with a great rate through SRS and Travelers Insurance.  I am so happy to be a part of this insurance company.  Thank you!<br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 2.5in;">Linda, Gadsden, Alabama<br /> </p> <p style="margin: 0in 0in 0pt 2.5in;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">We have been a customer of SRS Insurance and Terry Young for several years.  We have all of our homeowners, our vehicles, our life insurance and now we are going back into a business so we’ll be going with them for commercial insurance as well.  Over the years, we have dealt with several people in this organization. The staff is just wonderful and everyone has taken care of us extremely well.  We’ve always been very pleased with what kind of service they have given us.  Thank you. </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 2.5in;"><b>Teresa Hawkins, Attalla, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 2.5in;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Bill and I’ve had insurance coverage with SRS and Terry Young for fifteen years or so for automobiles and homeowners.  I’ve been very well pleased with all aspects of it.  I recently had an accident, a victim of a hit and run.  SRS Insurance did an outstanding job with that and I appreciate it.  Look forward to continued coverage and continued good business relationship with SRS Insurance.  <br /> </p> <p style="margin: 0in 0in 0pt;">                                    <b>Bill, Vestavia Hills, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I am administrator of Gladys B. Oden’s insurance.  I just wanted to say that we are happy with the SRS Insurance Company.  We have used them for a while and they have proven to be reliable and seem to be real nice people to deal with. I could recommend Terry Young to anyone if they were looking  for insurance.<br /> </p> <p style="margin: 0in 0in 0pt 2.5in;"><b>Iris H. Oden, Gadsden, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 2.5in;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I’ve been associated with SRS Insurance for quite a few years.  They’ve been very, very good to me.  Their rates are very good, and the employees are friendly and helpful.  I appreciate the good work that they have done for me.  I would recommend SRS Insurance and Terry Young to any and everybody.  Thank you!<br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 3in;"><b>Hazel Oliver, Gadsden, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">SRS Insurance and Terry’s staff has absolutely been wonderful for us.  We’ve had nothing but a positive experience with our home, auto, personal, everything and I would highly recommend SRS to anyone.  Thanks!<br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 1.5in;"><b>Dr. Bo and Johna White, Gadsden, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 1.5in;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I would just like to say how much I appreciate Terry Young and SRS Insurance being helpful to us.  Handling insurance is not an easy thing and you need somebody that knows what to do and we appreciate all your help down through the years.  Terry, you’ve given us the best service that we’ve found, so thank you so much for all the years of service.<br /> </p> <p style="margin: 0in 0in 0pt 2.5in;"><b></b></p> <p style="margin: 0in 0in 0pt 2.5in;"><b>Debbie, Centre, Alabama<br /> </b></p> <p style="margin: 0in 0in 0pt;">                                                                                                </p> <p style="margin: 0in 0in 0pt;">We’ve been satisfied with the service we’ve received from SRS and Terry, and appreciate doing business with them.</p> <p style="margin: 0in 0in 0pt;">                                                                                <b>                Charlotte, Gadsden, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Carla Thienpont, and my husband and I, Chris Thienpont have had coverage with SRS Insurance for going on 6 years now for our homeowner's insurance.  We actually live in Vestavia Hills, Alabama, and it’s been a wonderful experience.  Every time I call I can get a person on the phone.  I think we've had maybe two claims in the last six years, but they're been handled within, I'd say, 2 weeks, maybe even sooner than that.  It's just always very pleasant, and we enjoy doing business with SRS and Terry Young.  Thank you.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                <b>Carla Thienpont, Birmingham, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I appreciate SRS Insurance Group.  They saved us about $300 this year and we are always tickled to have that happen. We just want ya’ll to keep up the good work.  Thank you very much.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                                    <b>Evelyn, Southside, Alabama<br /> </b> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <br /> I’ve been affiliated with Terry Young’s agency since probably 25 years. I’ve never had a problem with anything. </p> <p style="margin: 0in 0in 0pt 3in;"><b>Ted, Gadsden, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 3in;"><b></b></p> <p style="margin: 0in 0in 0pt 3in;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">We were just contacted by Alicia to let us know that she had taken over our accounts.  She was very nice and wanted to know if we needed anything just to give her a call, or if we had any questions.  As far as we know, we are very satisfied.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 1.5in;"><b>Lisa Wright &amp; Joey Wright, Gadsden, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">We live in Leesburg, Alabama.  We’ve been very happy with the service we have gotten from SRS and Terry’s team.  I have talked to the staff and they have been very nice.  Thank you very much.</p> <p style="margin: 0in 0in 0pt 2.5in;"><b>Kay Dowling, Leesburg, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 2.5in;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I’ve been doing business for about a year and a half.  Any time I need anything they are ready on the spot with it, they know what they are talking about and they’re nice to deal with and I enjoy dealing with them.</p> <p style="margin: 0in 0in 0pt 2.5in;"><b>Tammy, Gadsden, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 2.5in;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I just wanted to let you know how please we have been with the quality of service we have received from Terry Young and SRS Insurance.  Whether we had a claim or not, we have been treated with utmost respect.  We appreciate your honesty and loyalty to us, your customer and friend!</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                            <b>Brad &amp; Susan Casey, Gadsden, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Last year when I was trying to get home owners insurance for my log home Terry Young came to my rescue. Getting coverage for a log home is not an easy task and the cost is very high. However, SRS Insurance was able to get the coverage needed at an affordable price.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Myriam Asencio ~ Birmingham, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My husband and I have been customers of SRS Insurance Agency for my homeowners insurance for many years. The service is FANTASTIC! We have actually had to file a claim and the service and time to completion of the claim was beyond our expectations.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Carla Thienpont ~ Birmingham, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I have had the pleasure of contacting SRS Insurance on several occasions and each time has been an absolute pleasure due to my contact with Terry’s employees. You should fill you office with ladies with her cheerful and helpful attitude. Thank you for all of your help!</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                            <b>Kathryn Kilgore<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">As someone that works in the business world, I understand the need for professional service. When I call the staff of SRS they do not  hesitate to get the job done and answer my questions. They have a positive attitude and I am always greeted with a friendly smile. Their staff is a real asset to the company. When I think of insurance, I think of Terry and SRS Insurance Group.</p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>                                                                        Misti ~ Southside, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">We enjoy doing business with SRS Insurance. Their employees are always very nice and a pleasure to work with. I appreciate them and their hard work.</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Mike &amp; Renee Gunter, J&amp;M Cleaning Service<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Terry Young and SRS Insurance is great!!! Their professional staff is always ready to handle any request and answer any questions that I might have. I will recommend them to anyone.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Sheila Massaro ~ Glencoe, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I would like to recommend SRS Insurance to anyone that needs insurance. They work very hard to find the right policy at the right price for each of their customers. SRS was able to save me money by helping me move all of my insurance needs to SRS.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                            <b>Kayla ~ Gadsden, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Terry, thanks for the great service through the years!</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>John &amp; Sarah Tinker<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">The staff was extremely helpful in helping me find the right provider for both Automobile Insurance and Rent Insurance. They took me off my parents’ policy after college and not only worked to find me the best rate but explained everything to me while doing so. They has always been extremely helpful and responsive to any needs I have had since opening these policies. I think they are wonderful! Thanks to Terry’s team.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Jennifer C. ~ Tennessee<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">I want to say thanks to Terry’s staff at SRS . I appreciate them filling out necessary forms for me on my insurance.                                    </p> <p style="margin: 0in 0in 0pt;"><b>Ethel Hibbs</b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">We have had our insurance with SRS Insurance Group for many years. The staff always returns our calls promptly and answers all our questions. I would highly recommend the SRS Insurance Group to anyone for all their insurance.</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Joyce ~ Hokes Bluff, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">We have had our auto insurance with SRS Insurance Group and Terry Young for over 16 years. When we call to make changes or have questions, the staff is always courteous and responds quickly to us. I would recommend SRS Insurance Group to anyone for all their insurance needs.</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Jerry, Piedmont, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I have been a customer of SRS Insurance for approx. 3-4 years.  You have a staff there who has been a Godsend to me.  Every time I have had a problem, they have solved it.  I get frustrated with anything I call  and they can work it out.  They has been so kind and so helpful to me.  I can’t say enough about them.  I appreciate them very much.  So far I have liked SRS Insurance.  I just wanted to say thanks to everybody.  </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Audrey Irwin<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I am so pleased with Terry and SRS Insurance and how they conduct their services to each individual.  It is amazing how the group just really go all out to make me feel welcome.  I am so pleased with the service and I am pleased with the group rates that I am getting for our car insurance.  It has been the best I can find.  I really appreciate your service.  Thank you.  </p> <p style="margin: 0in 0in 0pt;">                                                                        </p> <p style="margin: 0in 0in 0pt;"><b>Linda, Gadsden, AL</b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"> I just wanted to thank SRS and Terry for being such a good company to take care of my family and me.  The claims that we have had they have paid off very promptly and we appreciate it and will continue doing business with them.  </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Carol, Gadsden, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I have had a wonderful experience with Terry and the staff at SRS Insurance.  The employees were friendly and great to work with.  I would recommend it to anyone looking for insurance to fulfill his or her needs.  </p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Tabitha, Gadsden, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I have been incredibly satisfied with the service I have received from SRS Insurance since 1996.  I would recommend Terry’s insurance agency SRS, their products, their employees to anyone.  If you have never been to the SRS Insurance Agency you owe it to yourself to visit them.  While you are there you can get a quote for all your insurance needs and save yourself some money at the same time.  You will recognize the friendly atmosphere when you enter the front office. They are friendly, efficient, and caring.  They will see that you get the prompt attention that you need and deserve.  I guarantee you will like the way you are treated at SRS Insurance. </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 2.5in;"><b>Mary, Birmingham, AL <br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">This is Mark from Gadsden.  I wanted to leave an excellent testimonial to SRS Insurance Company.  I have dealt with SRS for several years, probably 8-10 years.  I have dealt with the service staff for the most part and they are absolutely fantastic.  I tend to buy and sell cars a good bit and she never seems to get irritated with me when I call and ask for a quote for a new vehicle or house insurance, or anything else.  They finds me the best deal she can and the prices that she gets me are far lower than anything I have ever been able to find on my own.  I will be sticking with Terry and his team of professionals for as long as this fantastic service continues.  Thank you very much!     </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                                    <b>Mark, Gadsden, AL  <br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Walter Prater, Piedmont, AL.  The SRS staff did a great job in representing the company in the package we have.  Everything that I have asked for them to do, they has done it.  I am tremendously amazed at what kind of package she got for me.  My wife and I both are very happy with SRS Insurance.  The staff explained everything to me very thoroughly.  I appreciate everything and want to thank the Company  for everything they have done.  They are a great  Company.  Thanks so much for allowing us to be a part of this insurance company. </p> <p style="margin: 0in 0in 0pt;">                                                                        </p> <p style="margin: 0in 0in 0pt;"><b>Walter Prater, Piedmont, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"> I have done business with SRS Insurance for several years now and I have been very happy with their service and their courtesy and all the employees that have waited on me.  I will do business with SRS  Insurance over and over thru the years.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Ingram, Gadsden, AL <br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">This is Len Kulas calling.  I live in Whortons Bend in the wonderful city of Gadsden.  I am calling in regards to the service I have gotten from SRS.  Terry’s staff has done a terrific job.  I never have a problem with calling them that they doesn’t return my call.  I never have a problem with asking them to do something for me that they don’t do it and call me back to let me know it has been completed.  I think a lot of the staff at SRS. </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Len Kulas, Gadsden, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">This is Shara from Southside, AL.  Every time I have ever called SRS Insurance Group needing information they have always been very helpful.  They that answers the phone has always been very friendly and very nice.  I really appreciate that.  Thank you. </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Shara, Southside, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I wanted to give a testimonial for the SRS staff and Terry.  I have been a customer of SRS for many, many years.  I have always received wonderful service from all the staff.  They have always done a wonderful job and I can’t say enough about their good work.  They are a delightful staff for the company, they is very thorough and professional.  They are also very personable and a wonderful person to work with and to have on your staff.  I wanted to put in a word for them and hope you will give them favorable compensation in every way.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                                    <b>Van, Gadsden, AL<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I wanted to let you know that the staff does an excellent job.  Every time I have ever called, they were busy on the phone they always call me back and is very quick to get me the information that I need.  I shopping for my son a truck so insurance is very important to me because he is about to be 16.  They have given me a lot of insight and I have practically driven them crazy getting different insurance prices on different trucks.  They have always been very good to help me.  I appreciate that very much. </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">                                                                        <b>Bryan, Gadsden, AL </b></p> urn:uuid:9d0f5b99-527d-44f3-abad-8696f8eed533Terry is known within his industry for conducting teaching sessions, teleseminars, webinars and speaking at national association events, to help his fellow competitors and association members. Here are just a few words from 33 of his competitors and ...Wed, 07 Apr 2010 12:23:56 -0500<p style="text-align: center; margin: 0in 0in 0pt;"><b><i><span style="font-size: 18px;">Terry is known within his industry for conducting teaching sessions, teleseminars, webinars and speaking at national association events, to help his fellow competitors and association members. Here are just a few words from 33 of his competitors and industry leaders from all over the U.S. about Terry as a person, his character, teaching ability and his organization…<br /> <br /> </span></i></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>My name is Michael Jans. I'm the executive vice president of the <span style="text-decoration: underline;">National Society of Agents for Consumer Education</span> and I wanted to say a few words about Terry Young. First of all, it has been my honor to be able to work with Terry for the last several years and I’m pleased to be able to pass on the information to the people who are interested in knowing more about him, knowing more about his agency and knowing more about what kind of an agency he runs.  </b></p> <p style="margin: 0in 0in 0pt;"><b> </b></p> <p style="margin: 0in 0in 0pt;"><b><span style="text-decoration: underline;">Terry has been selected by our society as one of the top 14 agents in the country</span></b><b>, and what I mean by that is our mission is to promote consumer education in the area of insurance because we know that there's a lot of confusion about insurance. There's a lot of mystery about insurance and <span style="text-decoration: underline;">we want insurance consumers to be educated</span>. We want them to be smart and we want them to be able to make wise decisions. We provide tools and training to assist the agents in doing this. We also recognize agents who do an outstanding job in that area.  </b></p> <p style="margin: 0in 0in 0pt;"><b> </b></p> <p style="margin: 0in 0in 0pt;"><b>Well, Terry has recently been selected as one of the top 14 agents in the area of <span style="text-decoration: underline;">consumer education and consumer advocacy</span>, and we think that being on the side of the consumer is the position we want agents to take so that consumers feel like they're in a position where their agent is <span style="text-decoration: underline;">somebody who supports them, advocates for them, goes to bat with them.</span> Well, I can tell you that based on our knowledge of Mr. Young and Mr. Young's agency, Terry Young is that kind of agent, so I am thrilled to be able to pass on to people who want to know more about Terry that when it comes to consumer education and consumer advocacy, he's your man.</b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>Michael Jans – President</b></p> <p style="margin: 0in 0in 0pt;"><b>NSACE – National Society of Agents for Consumer Education </b></p> <p style="margin: 0in 0in 0pt;"><b>Bend, Oregon<br /> <br /> </b><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>Terry, absolutely amazing call today! I can't thank you enough. I can honestly say that I've never spent an hour of my time more wisely. In my opinion, any employer that doesn't take advantage of your tele-seminars is shooting themselves in the foot. I guarantee you this: I won't miss a single one of your tele-seminars for any reason - heck, I can't afford to!</b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>Frank Duran – Agency Principal</b></p> <p style="margin: 0in 0in 0pt;"><b>VLM Publishing – Colorado<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt 3in;"><b></b></p> <p style="margin: 0in 0in 0pt;">I’m giving this testimonial for Terry Young at SRS Insurance. Occasionally you meet a person who goes so far above and beyond the call of duty that they are just a trend setter, and that’s been my experience with Terry.  He is always so willing and sacrifices his time to help the good of the group.  He’s given me much needed advice.  If I ever had a chance to work with him and if I ever had a business, I would take him as my agent, hands down.  It wouldn’t even be a question to me.  Thanks, Terry, for all  you do.    </p> <p style="margin: 0in 0in 0pt;">            </p> <p style="margin: 0in 0in 0pt;"><b>Aaron Cottle – Owner</b></p> <p style="margin: 0in 0in 0pt;"><b>Summit Insurance, Salt Lake City, Utah</b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I have known Terry Young with the SRS Insurance Group for just a little over a year.  I, myself, own an insurance agency in North Alabama for nearly 22 years.  In all my years of business, Terry Young is one person that, he’s unforgettable when you meet him.  He does things that people, other insurance agency owners, other business owners dream about doing.  The way he runs his business, the way he operates, the way he treats his employees, the way he handles his accounts and that sort of thing; like I’ve said, in all my time in the business, he’s one of a very few I’ve ever met that’s learned to master this.  If I was in a competitve situation where I was going up against the SRS Insurance Group, I would be shaking in my boots if I know I was up against Terry.  If I ever have a huge commercial risk, I know where I’m going to put it, if it’s one I can’t place.  Whatever you decide to do with Terry, I’m sure he will take great care of you.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Bill Gough – Agency Founder</b></p> <p style="margin: 0in 0in 0pt;"><b>Florence, Alabama<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Mike Stromsoe from Temecula, California and I am an insurance agent on the west coast. I just wanted to write today and say a few words about a gentleman that I met a couple of years ago.  His name is Terry Young.  Since I've known Terry, I have come to know and admire him more and more each time that I get to spend time with him.  We're involved in multiple national organizations together, but obviously Terry is a leader of the pack.  You know it's said when you want to get better at what you do, hang with the very best that there is available.  Well, in my estimation, Terry is one of the brightest and one of the very, very best insurance agents in America.  He runs an insurance agency.  He's on the leading board of multiple insurance organizations and insurance companies.  He is involved in many special civic activities and most importantly, Terry is just a wonderful family man and puts his family first all of the time.  It's my pleasure to know Terry and having been a founding member of multiple national insurance organizations like the National Society of Agents for Consumer Education, the Market Domination Organization, a leading provider of niche insurance programs in California, I see lots of agents out there that try to say they know what they're doing, but none have the ability to take a market, provide it with incomparable service and integrity as well as coverage like the type that Terry and his team provides.  If I were to open an agency anywhere in America one thing I would not do is open it anywhere near Terry Young.  His agency and his team are just second to none.  They're top notch and they're really what it's all about.  They do business with people and they believe in the term you get what you give.  You have the highest respect for Terry and his organization and I just wanted to let everybody know that.  Have a great day.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Mike Stromsoe, Temecula, California</b></p> <p style="margin: 0in 0in 0pt;"><b>Agency Owner<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Ted Davies, president of Davies &amp; Associates located in the province New Jersey.  I have worked with Terry for several years in the National Society of Agents for Consumer Education.  The pleasure has been all mine.  I've always been taught from a young age that if you want to grow, you work and you surround yourself by the best.  Terry and his company, SRS Insurance Group, fit that mold.  If I have friends or family that happen to move in the Alabama area, it is Terry and SRS that I send my friends and family to as an insurance professional.  I want to thank you for your time and thank you, Terry for your association with the National Society of Consumer Education and your friendship. </p> <p style="margin: 0in 0in 0pt;">                        </p> <p style="margin: 0in 0in 0pt;"><b>Ted Davies, Davies &amp; Associates</b></p> <p style="margin: 0in 0in 0pt;"><b>New Providence, New Jersey</b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">This is Ted Hamm from Paso Robles, California. I wish more of my clients would move to Terry’s neck of the woods because he is a great guy and a great agent and I really appreciate knowing him. He is a man of honor and integrity and I wish there were more of us in the insurance industry like him.</p> <p style="margin: 0in 0in 0pt;">                                                            </p> <p style="margin: 0in 0in 0pt;"><b>Ted Hamm Agency Founder – Owner</b></p> <p style="margin: 0in 0in 0pt;"><b>Paso Robles, CA</b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I am Joanne Lemelin from Berlanco Insurance Agency in Ephrata, Pennsylvania which is in beautiful Lancaster County. I have had the pleasure and privilege of knowing Terry Young for a little over two years now. Terry is the epitome of honesty, integrity and knowledge and that is why when my clients relocate in the south, Terry is the one I call to make sure they are taken care of. He and his team at SRS Insurance Group go that extra mile and that is important to me. So if you are looking for an outstanding organization to do business with, look no further. You’ve found them.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Joanne Lemelin – Agency President</b></p> <p style="margin: 0in 0in 0pt;"><b>Ephrata, PA<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b><i>I am Jerry Brewton in Elkhart, Indiana. I am an insurance agent in the greater Elkhart County area and have had dealings with Terry Young and his organization for probably a year and a half now and have been nothing but impressed in all my dealings with him. When I’ve needed help, Terry has been there for me. When Terry has said he is going to do something, he’s delivered. So if you have an opportunity to work with Terry Young in any capacity, I urge you to do so. I guarantee you won’t be disappointed.</i></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>Jerry Brewton CEO</b></p> <p style="margin: 0in 0in 0pt;"><b>Elkhart, IN<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Michael Jackson. I’m from Brownsburg, Indiana. I’m an independent insurance agent. I just wanted to say I have a great deal of respect for Terry Young and the SRS Insurance Group and their contributions that they have made and certainly Terry to help me grow my agency. If there was ever anyone that was relocating to the state of Alabama, I’ll tell you Terry would be one person that I would trust and feel comfortable sending them to for their insurance needs.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Michael Jackson  President</b></p> <p style="margin: 0in 0in 0pt;"><b>Brownsburg, IN<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>My name is Steve Lipstone with Lipstone Insurance from Cary, NC. I have known Terry for the past couple of years, served with him in a national Workers Compensation group and first want to thank him for his leadership, knowledge and skills he brought to that organization.I would recommend Terry and his insurance organization to any customer for their business or personal insurance needs that want a skilled, hard working and professional organization working for them.  His team of professionals is second to none.  As far as insurance professionals in Alabama they are the competition.  If they are not your agent or broker now, they should be.</b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Steve Lipstone – President</b></p> <p style="margin: 0in 0in 0pt;"><b>Cary, NC<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Nat DiSilvestre and I am an Allstate agent located in Amityville, New York. It has been my pleasure to be associated with Terry Young. Terry has provided his unselfish support and knowledge to many agents throughout the entire country. If ever I have a client moving to Terry's part of the country, I wouldn't hesitate for a moment to recommend his agency. </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Nat DiSilvestre Agency President</b></p> <p style="margin: 0in 0in 0pt;"><b>Amityville, NY<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I am the President and CEO of The O'Neill Insurance Agency, DiCresce Insurance Agency, O'Neill Financial Services, and O'Neill Properties. I have known Terry for two years and I am so thankful to have met him. As a friend and mentor, I count myself among the most fortunate to be his friend and not his competitor. I think we do a lot of things right in my agency, and then I see what he and his team does and I am blown away. </p> <p style="margin: 0in 0in 0pt;">I do not think this man sleeps! If I had any friends or family living in Alabama, they would be his clients. You can take that to the bank!</p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>Patrick O'Neill, CIC, CPA </b></p> <p style="margin: 0in 0in 0pt;"><b>Wadsworth, OH<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I am Dennis Hamsher, CFP from Pennsylvania.  I have been in the insurance business for over 23 years.  In that time I have dealt with numerous individuals in the insurance business.  I can say, hands down, that Terry Young is not only a leader in the insurance industry but a unique individual who leads leaders.  I have know Terry for over 2 years and during that time he has exhibited rare qualities that are rarely seen in people today.  Terry is trustworthy, intelligent, insightful, considerate, motivating, dynamic and above all a true gentleman in the best sense of the word.  I whole heartedly endorse Terry Young.  Not only can you be assured that Terry will take care of you professionally, you will benefit personally by knowing him.  </p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>Dennis J. Hamsher – Owner</b></p> <p style="margin: 0in 0in 0pt;"><b>York, PA<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">I have known Terry Young for a couple of years now. Terry is the most upstanding, positive, go getting', insurance agent that I know. Terry has helped me want to be a better agent, business owner, and person.  Terry is energetic, compassionate, caring and helpful to all. Terry has one of the most well run insurance agencies in the south!  Need I say more? I cannot say enough about the character of Terry Young and SRS Insurance!</p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>Deirdre Fisher ~ President Noblesville, IN</b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">My name is Mark Reid of Mark Reid Insurance in White House, TN and I have known Terry Young of SRS Insurance for two years now. In my association and dealings with him and his staff, they are extremely professional, know the protection business, and want to make sure their clients are always informed as to changes in the market. Any time I have a customer to move from Tennessee to Alabama, I have them to give Terry at SRS Insurance a call. I know they will taken care of with the respect they deserve. Thanks Terry for protecting my prior customers the way they have been treated by me!</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Mark Reid ~ President</b></p> <p style="margin: 0in 0in 0pt;"><b>White House, TN<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Terry as always, your presentations and training calls have been wonderful and very eye opening. It's utterly amazing to realize all the uses &amp; possibilities of the various tools we have at our finger tips if one would just use a little creativity and try thinking outside the box.  Thank you for all you do to help our company!  </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Carol J. Wray, Owner</b></p> <p style="margin: 0in 0in 0pt;"><b>Carol Wray Agency <br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">Terry… I was very impressed with the flow of information in the work comp tele-seminar yesterday! The time allotted and time management of the call were great. While we find OSHA matters a tough subject to "enliven," you kept the key elements of the topic in the forefront and did an awesome job! Thank you for inviting us to participate in the call."</p> <p style="margin: 0in 0in 0pt;">                                                          </p> <p style="margin: 0in 0in 0pt;"><b>Lance Singleton – Agency President</b></p> <p style="margin: 0in 0in 0pt;"><b>Oklahoma City, Oklahoma</b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Shaun Irwin. I wanted to write today and let you know what a phenomenal job Terry Young has been doing. He's just really big digs in and knows how to help customers with their worker's compensation and become world-class companies and more profitable. Really knows how to keep employees safe. Really knows how to dig in and make companies understand what's driving their worker's compensation costs and frankly, just how to improve overall. Thank you, Terry, for all the work that you do. </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Shaun Irwin – Agency Owner</b></p> <p style="margin: 0in 0in 0pt;"><b>Minneapolis, Minnesota<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">“Absolutely remarkable, I have worked with the SRS Insurance on several occasions and I have experienced nothing but great attitudes, big smiles, and utmost respect and courtesy.  Thank you!”  </p> <p style="margin: 0in 0in 0pt;">                                  </p> <p style="margin: 0in 0in 0pt;"><b><i>Rebecca A. ~  Agency Partner</i></b></p> <p style="margin: 0in 0in 0pt;"><b><i>Minneapolis, MN<br /> <br /> </i></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">As an insurance professional, I have seen the work of hundreds of other insurance agents. Additionally, throughout my 25 year career as an agent and manager I have personally interacted with another couple hundred of agents. In my opinion, Terry is one of the best agents I have ever had the pleasure of meeting. His professionalism and commitment to his clients are second to none. With Terry you can be confident that you will have the coverage you need when it is most important; after a loss has occurred! In every industry/profession there are people who are just better than the rest. Terry is such an individual. If I were not in the business and lived in Alabama I would certainly be his client.<b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>Steve Shoultz, Priority Risk Management, Inc. </b></p> <p style="margin: 0in 0in 0pt;"><b> Indianapolis, IN<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I am an agent in Ohio and I would undoubtedly refer any client moving to Terry Young’s area, that he and his staff will do a phenomenal job handling their insurance needs.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Scott Welty, Welty Financial Services ~ Tiffin, OH</b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>My name is Tom Larsen. I am a fellow insurance agent in Buffalo, New York. I’ve known Terry Young for about two years now. I did have occasion twice so far to refer former clients of mine who moved to Terry and SRS Insurance Group and I got to tell you they did an excellent, excellent job. Both clients called me back to thank me for referring them to such a professional organization. I just want to say thank you for taking care of those two clients for me and without a doubt if I have occasion to refer somebody else to you, you are definitely my first choice.</b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>Tom Larsen – Agency President</b></p> <p style="margin: 0in 0in 0pt;"><b>Buffalo, NY <br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">This is Billy Proudfit with Proudfit Insurance Agency in Washington, Pennsylvania and I’ve known Terry Young for some time now. I would like to let Terry’s customers and prospects know that if a client, friend or family member of mine moved to Alabama, I would absolutely want their insurance needs handled by Terry and his team. Terry definitely has a world-class agency that focuses on knowledge protection and savings. </p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>Billy Proudfit ~ Agency Partner</b></p> <p style="margin: 0in 0in 0pt;"><b>Washington, PA<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I am Joe Weinman with Weinman Insurance Agency from Indianola, Iowa. I have known Terry Young for the last year and a half. He has become my role model on how to be the best agent possible for my clients. If any of my clients move south I will definitely refer them to Terry Young and SRS Insurance Group. He is the best.</p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>Joe Weinman ~ CEO</b></p> <p style="margin: 0in 0in 0pt;"><b>Indianola, IA<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I am Donna Lavigne from Cobleskill, New York I would without any doubt refer a client relocating to Alabama to SRS Insurance Group. Terry and his team are truly awesome. I would be sure that my clients would be taken care of in the same way they have been accustomed with professional service and a personal touch. I’m glad he is not one of my competitors.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Donna Lavigne ~ Agency President</b></p> <p style="margin: 0in 0in 0pt;"><b>Cobleskill, NY<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">My name is Michael Jackson. I’m from Brownsburg, Indiana. I’m an independent insurance agent. I just wanted to say I have a great deal of respect for Terry Young and the SRS Insurance Group and their contributions that they have made and certainly Terry to help me grow my agency. If there was ever anyone that was relocating to the state of Alabama, I’ll tell you Terry would be one person that I would trust and feel comfortable sending them to for their insurance needs.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Michael Jackson  President</b></p> <p style="margin: 0in 0in 0pt;"><b>Brownsburg, IN<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">This is Dennis Zubler. I am an insurance agent in Elizabethtown, Pennsylvania and I personally want to thank Terry Young for everything he has done for me. Our agency makes quality client service a priority in Pennsylvania and Maryland, however when we have a client who needs insurance in Alabama there’s only one agent that I trust to give the same quality service and that is Terry Young. I’ve known Terry for several years and he is among the very best that I have ever met. You can trust Terry with all your insurance needs.</p> <p style="margin: 0in 0in 0pt;"><b>Dennis Zubler – Managing Partner</b></p> <p style="margin: 0in 0in 0pt;"><b>Elizabethtown, PA<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>My name is Sherie Lake and I’m an insurance agent in south central Pennsylvania. I have known Terry Young for approximately two years now and I want to let you know that there’s just not a better person or insurance agent in my than Terry. If I had a client that was moving to his part of the country I would sent them his way in a heart beat, no questions asked. He’s honest, hard-working, gives more than he gets and is a true inspiration to me and everyone around him.</b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>Sherie Lake  - CEO / Agency Founbder</b></p> <p style="margin: 0in 0in 0pt;"><b>McConnellsburg, PA<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I have known Terry Young personally and professionally for 5 years. I value his trust and his ability to put the customer first. Because of his character I always refer my clients to Terry when someone is moving to his area. </p> <p style="margin: 0in 0in 0pt;">Terry and his staff do an awesome job of Taking care of the client.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Dennis Pfauth ~ Longmont, CO<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt 1.5in;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I have known Terry Young for two years.  When I had clients move to Alabama, I referred them to Weaver Insurance Group and I know Terry's agency will take care of them as well as I did.  Not only does Terry know insurance, his clients rave about the coverage and service they receive.  </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">When I had clients move to Alabama, there was no other insurance agency I would refer my customers to other than Weaver Insurance...and they were not disappointed.<b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b>Scott Simpson – President</b></p> <p style="margin: 0in 0in 0pt;"><b>Community Insurance ~ Spencer, IA<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">My name is Royce DeRouen from Dallas, TX. I have been a licensed insurance agent since 1985 and a licensed risk manager since 1994. If any of my clients relocated to Alabama, I would have them call Terry Young and SRS Insurance Group immediately to handle all of their insurance needs. I know he is committed to obtaining the best possible coverage at the best possible price and following up with unbeatable service. Terry and his team have the expertise and resources to bring the best risk management solutions to each and every client.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Royce De Rouen ~ Dallas, TX<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">My name is Jimmy Swain and I am the owner of James M. Swain &amp; Assoc., Inc. located in Baxley, Ga. I head up an insurance agency in SE GA. I normally don't hand out a lot of kudo's but Terry Young and SRS Insurance Services group is unusual. They don't just talk about service but they deliver what they promise. It is one thing to write you a "policy" but another thing to have the correct coverage in place. I will say emphatically that I am thankful that Terry is not a nearby competitor.</p> <p style="margin: 0in 0in 0pt;">However, if one of my clients or friends were to move to the Alabama area, I would highly insist that they need to contact Terry for ANY of their insurance needs.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Jimmy Swain ~ Baxley, GA<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">This is Dennis Zubler. I am an insurance agent in Elizabethtown, Pennsylvania and I personally want to thank Terry Young for everything he has done for me. Our agency makes quality client service a priority in Pennsylvania and Maryland, however when we have a client who needs insurance in Alabama there’s only one agent that I trust to give the same quality service and that is Terry Young. I’ve known Terry for several years and he is among the very best that I have ever met. You can trust Terry with all your insurance needs.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>Dennis Zubler – Managing Partner</b></p> <p style="margin: 0in 0in 0pt;"><b>Elizabethtown, PA<br /> <br /> </b><b></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">I've know Terry Young and SRS Insurance for the past couple of years and worked with him on many different fronts, such as consumer advocacy, protection of business and personal assets and much more. </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Terry goes above and beyond in protecting his clients. He's a charter member of the National Society of Agents for Consumer Education which means that he aggressively seeks to educate his customers about the risks that they face and the best way to protect themselves from those risks. If I lived in Alabama or any other state that Terry works in, he would be my first choice as the agent to protect my business, my home, my family and my cars. As a fellow insurance agent I make sure that every referral I get for that part of the country goes to Terry Young. I wouldn't be comfortable sending my clients anywhere else.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>John Mason, Founder - Hancock, New York</b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> urn:uuid:e103d7e6-998c-419b-832c-bc9081f21d55“Terry is the most innovative person I know. His capacity to think through to new and exciting possibilities is phenominal, most certainly forward thinking. In the world of business, he is the cream of the crop. I highly recommend Terry to any busine...Tue, 30 Mar 2010 16:21:24 -0500<p>“Terry is the most innovative person I know. His capacity to think through to new and exciting possibilities is phenominal, most certainly forward thinking. In the world of business, he is the cream of the crop. I highly recommend Terry to any business or individual who wants to take their business to the step above.” <em>August 25, 2009</em></p> <p class="distance deg_1"><a href="http://www.linkedin.com/profile?viewProfile=&amp;key=14806759&amp;authToken=5XFk&amp;authType=name&amp;goback=%2Evpf_41095244_1_odFx_name_*1_Terry_Young" title="View Rita Young's Profile">Rita Young Allen, M.A.</a><em>, LifeStyle Conductor for Retirement Living and Corporate Culture, Keynote Speaker, Rita Allen Associates</em></p> urn:uuid:39b6c77b-8dcf-4b12-bc0b-1e28f8fb0d92 Contact: Melanie Ginn Southern Risk Services Phone  877-222-8765 Fax 256-295-9155 www.southernriskservices.com www.AlaProInsurance.com ...Sat, 27 Mar 2010 05:54:54 -0500<table style="margin: auto auto auto 20pt; border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="border: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 1.75in; padding-right: 5.4pt; padding-top: 0in;" valign="top"> <p style="margin: 0in 0in 0pt;" class="Contact">Contact: Melanie Ginn</p> <p style="margin: 0in 0in 0pt;" class="Contact">Southern Risk Services </p> <p style="margin: 0in 0in 0pt;" class="Contact">Phone  877-222-8765</p> <p style="margin: 0in 0in 0pt;" class="Contact">Fax 256-295-9155<br /> </p> <p style="margin: 0in 0in 0pt;" class="Contact"><a href="http://www.southernriskservices.com/">www.southernriskservices.com</a></p> <p style="margin: 0in 0in 0pt;" class="Contact"><a href="http://www.alaproinsurance.com/">www.AlaProInsurance.com</a></p> <p style="margin: 0in 0in 0pt;" class="Contact"><a href="mailto:mg@southernriskservices.com">mg@southernriskservices.com</a></p> <p style="margin: 0in 0in 0pt;" class="Contact">&nbsp;</p> </td> <td style="border: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 116.65pt; padding-right: 5.4pt; padding-top: 0in;" valign="top"> <p style="margin: 0in 0in 0pt;" class="ReturnAddress">3224 Rainbow Drive</p> <p style="margin: 0in 0in 0pt;" class="ReturnAddress">Suite 2</p> <p style="margin: 0in 0in 0pt;" class="ReturnAddress">Rainbow City, AL 35906</p> <p style="margin: 0in 0in 0pt;" class="ReturnAddress">&nbsp;</p> <p style="margin: 0in 0in 0pt;" class="ReturnAddress">2236 Cahaba Valley Drive</p> <p style="margin: 0in 0in 0pt;" class="ReturnAddress">Suite #300 Sterling Bldg</p> <p style="margin: 0in 0in 0pt;" class="ReturnAddress">Hoover, AL 35242</p> </td> <td style="border: #f0f0f0; padding-bottom: 0in; padding-left: 5.4pt; width: 260pt; padding-right: 5.4pt; background: black; padding-top: 0in;"> <p style="text-align: center; margin: 0in 0in 0pt;" class="CompanyName"><span style="background-color: #ffff00; font-size: 32px;"><strong>Southern Risk Services Insurance Group</strong></span></p> </td> </tr> </tbody> </table> <p style="margin: 30pt 0in 20pt;" class="DocumentLabel"> <table cellspacing="0" cellpadding="0" width="100%"> <tbody> <tr> <td style="border: #f0f0f0; background-color: transparent;"> <div style="padding-bottom: 3.6pt; padding-left: 7.2pt; padding-right: 7.2pt; padding-top: 3.6pt;" class="shape"> <p style="margin: 0in 0in 0pt 41.75pt;"><span style="font-size: 32px;"></span></p> </div> </td> </tr> </tbody> </table> <span style="font-size: 32px;">Press Release</span>      </p> <p style="margin: 0in 24pt 14pt 0in;">&nbsp;</p> <p style="margin: 0in 24pt 14pt 0in;"><strong><span style="font-size: 18px;">Gadsden based insurance operation offers “State of The Art” legal malpractice coverage to the legal profession.</span></strong></p> <p style="margin: 0in 0in 0pt;">Gadsden - Alabama, March 27, 2010: Gadsden Insurance Executive Terry Young and SRS Insurance Group… announces that the SRS organization has created a new division and program under the umbrella of risk management and insurance operations. This new division will be called AlaPRO Insurance. AlaPRO Insurance will deliver high quality, state-of-the-art insurance products and risk management services to the legal community throughout the State of Alabama. AlaPRO’s core competency is providing <b>legal malpractice professional coverage</b> to attorneys and law firms. AlaPRO has assembled a “high quality highly rated” stable of “preferred” insurance carriers for this custom program. AlaPRO will also offer other insurance products and services as ancillary coverages to attorneys and law firms in the realm of lawyer's business insurance, automobile insurance, personal insurance coverages, excess liability, cyber liability, directors and officers, and other coverages specifically designed to the legal profession.   </p> <p style="margin: 0in 0in 0pt;"> </p> <p style="margin: 0in 0in 0pt;">Terry Young, CEO of the company, states “we are extremely happy to have Chris Lawley as a member of our team in heading up this new division. Chris comes to our organization with many years of experience in the legal malpractice arena.  He is definitely a valued addition to our team.”</p> <p style="margin: 0in 0in 0pt;"> </p> <p style="margin: 0in 0in 0pt;">Chris Lawley stated, “I'm excited about being part of the SRS team and more specifically the opportunity to lead the AlaPRO Insurance Division within our organization.  I will lean on my many years of experience in risk management, claims, underwriting, to provide enhanced and better products to the legal community. Statistics show that the number of legal malpractice claims is on the rise at a rapid pace. We are seeing increases where claims activity is going up 35% or higher. We believe this is a greatly underserved market and AlaPRO Insurance is poised to deliver the BEST product in the marketplace.”</p> <p style="margin: 0in 0in 0pt;"> </p> <p style="margin: 0in 0in 0pt;">For more information about the AlaPRO Insurance products and services, you may contact them through their website at <a href="http://www.alaproinsurance.com/">www.alaproinsurance.com</a>, or contact Chris Lawley directly at <a href="mailto:cl@southernriskservices.com">cl@southernriskservices.com</a> or Phone: 1-877-222-UROK (8765). </p> urn:uuid:308fd618-9ad3-40c9-9acb-0529ff8d82a4Don't Let Research Distract From Safe Driving Efforts The National Highway Traffic Safety Administration reports that nearly 6,000 people died in 2008 in crashes involving a distracted or inattentive driver, and more than half a million were injured....Wed, 24 Mar 2010 15:47:51 -0500<h1>Don't Let Research Distract From Safe Driving Efforts</h1> <p class="byline">The National Highway Traffic Safety Administration reports that nearly 6,000 people died in 2008 in <a href="http://www.insurancejournal.com/news/national/2009/10/01/104221.htm">crashes involving a distracted or inattentive driver</a>, and more than half a million were injured. Many of them were teens.</p> <p>According to the Insurance Institute for Highway Safety, seven states currently ban driving while talking on a hand-held cell phone. The use of all cell phones by novice drivers is restricted in 21 states and the District of Columbia.</p> <p>Text messaging is banned for all drivers in 19 states and the District of Columbia. In addition, novice drivers are banned from texting in nine states.</p> <p>Meanwhile, Florida, Kentucky and Alabama are among the states weighing their own bans.</p> <p>Nearly <a href="http://www.insurancejournal.com/news/national/2009/09/28/104070.htm">one out of five</a> U.S. drivers surveyed has read or sent a text message while behind the wheel, according to a recent AAA survey – even though they consider such action unacceptable.</p> <p>The AAA, the National Safety Council and most safety advocates have urged texting bans for drivers in all 50 states.</p> <p>But recently an <a href="http://www.insurancejournal.com/news/national/2010/02/02/107027.htm">insurance industry study</a> questioned whether these state laws are worth enacting.</p> <p>The Highway Loss Data Institute study found that claims rates did not go down after the laws were enacted. It also found no change in patterns compared with nearby states without such bans.</p> <p>HLDI is a respected research group but its results in this study seem to defy everyday experience, common sense and human psychology.</p> <p>HLDI itself said its findings "don't match what we already know about the risk of phoning and texting while driving" and it is gathering data to "figure out this mismatch." One explanation could be an increase in the use of hands-free devices in places with bans on handset use while driving.</p> <p>Dr. Amit Almor, a psychology researcher at the University of South Carolina, says language and driving are complex activities that tax the brain in many ways. Almor completed two studies in 2008 and 2009 that looked at the demands on the brain when talking on cell phones while driving. Texting adds another layer of language and motor skills, which Almor warns can make for a lethal combination.</p> <p>"Verbal communication is a complex combination of listening, thought generating and talking. Driving involves assessment and decision-making and an array of motor skills," Almor says. "Talking on a cell phone while driving is distracting and dangerous. Texting is far worse, as it adds another motor skill and keeps the driver in a different mental space for a much longer period of time."</p> <p>Adrian Lund, HLDI president, said the group's finding doesn't bode well "for any safety payoff from all the new laws."</p> <p>The National Governors Association said the HLDI study "raises as many questions as it answers" and is urging states to pass texting bans, but hold off on banning other cell phone use while driving until there is more data.</p> <p>Follow-up research should be put on a fast track. States do not need more laws that don't work but they also shouldn't let one study keep them from their safety mission. Isn't it always better to be safe than sorry?<br /> <br /> Thanks for reading,<br /> <br /> Terry Young<br /> President<br /> Southern Risk Services<br /> Email ty@southernriskservices.com<br /> Phone 1-877-222-UROK<br /> <br /> PS...Oprah Winfrey has created a new movement called the "NO PHONE ZONE"...In and around the car NO PHONES...</p> urn:uuid:8c52af45-8462-4594-9679-b6115aa0d723The 60 Second “Circle of Safety™” A Online Newsletter for Friends of Southern Risk Services “Protecting What Matters Most! Be Ready For Action On The Jobs Front &nbsp; Having a job for life is so 20th Century. These days, most of us expect to chang...Sun, 21 Mar 2010 16:31:46 -0500<p style="text-align: center; margin: 0in 0in 0pt;"><b>The 60 Second “Circle of Safety™”</b></p> <p style="text-align: center; margin: 0in 0in 0pt;">A Online Newsletter<b> </b>for Friends of Southern Risk Services</p> <p style="text-align: center; margin: 0in 0in 0pt;"><b>“Protecting What Matters Most!</b><b><br /> </b></p> <p style="text-align: center; margin: 0in -12.15pt 0pt 0in;"><b>Be Ready For Action On <br /> The Jobs Front</b></p> <p style="margin: 0in 0in 4pt;">&nbsp;</p> <p style="margin: 0in 0in 4pt;">Having a job for life is so 20^th Century. These days, most of us expect to change employment several times during our career lifetime. That's okay, as long as it's you who's pushing the job-switch button. But what if it's not?</p> <p style="margin: 0in 0in 4pt;">The economic downturn has seen millions of people laid off, with just as many left wondering if they'll be next. It's a risk faced by pretty much everyone and, like all risks, it's insurable – at least to some degree.</p> <p style="margin: 0in 0in 4pt;">While no one has yet come up with a workable umbrella (all-risks) private job loss insurance policy, there are lots of things you can do to protect yourself against the worst impacts of involuntary job loss.</p> <p style="margin: 0in 0in 4pt;">For instance, mortgage and rental payments – usually the biggest regular monthly outgoing for most families – are protectable. Coverage may be via a lender, through a separate policy or perhaps even as an extension of a home insurance policy.</p> <p style="margin: 0in 0in 4pt;">These days, car payments can also be covered, usually by the credit provider. So too can travel plans, with some travel insurance policies offering full or partial payment, cancellation refunds, or postponement credits.</p> <p style="margin: 0in 0in 4pt;">If you're unfortunate enough to lose your job or want to be prepared just in case, here are some action tips:</p> <p style="margin: 0in 0in 4pt 0.25in;">·         Check out your state unemployment insurance scheme. Don't know where to start? See www.servicelocator.org/OWSLinks.asp</p> <p style="margin: 0in 0in 4pt 0.25in;">· When reviewing coverage options, consider:<br /> - Eligibility requirements, like how long you've had a  job or if it covers the self-employed<br /> - Is it full or partial payments coverage, free or fee?<br /> - How long you must have held the policy before   being  told you lost your job<br /> - How long you're unemployed before it pays out<br /> - The duration of the policy – some are time-limited<br /> - Required documentation and proof of job loss</p> <p style="margin: 0in 0in 4pt 0.25in;">·         Think about self-insurance for uncovered risks – set aside 10% of your salary</p> <p style="margin: 0in 0in 4pt 0.25in;">·         And, of course, talk to us. We can tell you exactly what sort of coverage is available for your needs.<br /> <br /> Thanks for Reading!</p> <p style="margin: 0in 0in 0pt;">Terry Young<br /> President<br /> Southern Risk Services<br /> Phone: 1-877-222-UROK (8765)<br /> www.southern riskservices.com<br /> <br /> PS...For a FREE quote on YOUR Homeowners Policy click here...<br /> <a href="http://youtersou0c.qa.insurancewebsitebuilder.com/category.aspx?id=QUOTE">http://youtersou0c.qa.insurancewebsitebuilder.com/category.aspx?id=QUOTE</a><br /> <br /> PPS...For a FREE quote on YOUR Auto Policy click here...<br /> <a href="http://youtersou0c.qa.insurancewebsitebuilder.com/category.aspx?id=QUOTE">http://youtersou0c.qa.insurancewebsitebuilder.com/category.aspx?id=QUOTE</a><br /> <br /> PPPS...OR SIMPLE GIVE US A CALL....1-877-222-UROK (8765)</p> urn:uuid:e1c4cd1f-fb3b-46d9-8051-2648a464c5edThe 60 Second “Circle of Safety™” An Online Newsletter for Friends of Southern Risk Services Insurance “Protecting What Matters Most” &nbsp; Vacations: Is It Time To Take Cover? 'Flu scares, terrorist threats and their knock-on effect on airport...Sun, 21 Mar 2010 08:53:06 -0500<p style="text-align: center; margin: 0in 0in 0pt;"><b>The 60 Second “Circle of Safety™”</b></p> <p style="text-align: center; margin: 0in 0in 0pt;">An Online Newsletter<b> </b>for Friends of Southern Risk Services Insurance</p> <p style="text-align: center; margin: 0in 0in 0pt;"><b>“Protecting What Matters Most”</b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <br clear="all" /> <p style="text-align: center; margin: 0in 0in 0pt;"><b><br /> <br /> </b></p> <p style="text-align: center; margin: 0in -12.15pt 0pt 0in;"><b>Vacations: Is It Time To Take Cover?</b></p> <p style="text-align: center; margin: 0in -12.15pt 0pt 0in;"><b></b></p> <p style="margin: 0in 0in 4pt;">'Flu scares, terrorist threats and their knock-on effect on airport security have tripled the number of people taking out travel insurance in the US in the past 10 years. But the total still only adds up to 30% of travelers. And, with the vacation season looming, you might be wondering if travel cover is something you should be thinking about. Unlike many other types of insurance, this is a yes-and-no issue. There are definitely times when you need cover and other times when you don’t. </p> <p style="margin: 0in 0in 4pt;">Here are the things you need to think about:<br /> </p> <p style="margin: 0in 0in 0pt 40.5pt;">·         There are several different risks you can cover: health, delays and cancellation, lost baggage, travel company bankruptcy and all-inclusive policies.<br /> </p> <p style="margin: 0in 0in 0pt 40.5pt;">·         Some of these may be covered by other policies you already hold – like health or lost baggage, which you may get on your household contents policy. <br /> </p> <p style="margin: 0in 0in 0pt 40.5pt;">·         While many auto insurance policies cover car rentals, certain countries and/or risks may be excluded. Double check them.<br /> </p> <p style="margin: 0in 0in 0pt 40.5pt;">·         Will you be traveling to a country where there have been tourist-terrorist incidents that might lead to non-travel advisories? Take out insurance.<br /> </p> <p style="margin: 0in 0in 0pt 40.5pt;">·         How much is at risk? Obviously the more you pay upfront (or are liable to pay for short notice cancellation) the safer it is to insure.<br /> </p> <p style="margin: 0in 0in 0pt 40.5pt;">·         Are your upfront costs refundable if something prevents you from traveling? <br /> </p> <p style="margin: 0in 0in 0pt 40.5pt;">·         How long and complex will your trip be? The more you plan to do, the greater the risk that something could go wrong.</p> <p style="margin: 0in 0in 0pt 40.5pt;">·         When will you go? Again, the greater the amount of time between now and when you travel, the greater the possibility of a hiccup in your plan.<br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 10pt;">You probably don’t need travel insurance for short, domestic trips, with hand luggage. But, anyway, why not call us and arrange to discuss your needs and plans? Thanks for reading and have a Safe Trip where ever you go!</p> <p style="margin: 0in 0in 0pt;">Terry Young<br /> President<br /> Southern Risk Services, LLC.<br /> Email: ty@southernriskservices.com<br /> Phone: 1-877-222-UROK (8765)<br /> <br /> <br /> PS...For a FREE quote on YOUR Homeowners Policy click here...<br /> <a href="http://youtersou0c.qa.insurancewebsitebuilder.com/category.aspx?id=QUOTE">http://youtersou0c.qa.insurancewebsitebuilder.com/category.aspx?id=QUOTE</a><br /> <br /> PPS...For a FREE quote on YOUR Auto Policy click here...<br /> <a href="http://youtersou0c.qa.insurancewebsitebuilder.com/category.aspx?id=QUOTE">http://youtersou0c.qa.insurancewebsitebuilder.com/category.aspx?id=QUOTE</a><br /> <br /> PPPS...OR SIMPLE GIVE US A CALL....1-877-222-UROK (8765)</p> urn:uuid:27fa9882-d0b6-44ef-9e5f-9402c2816c51SRS Insurance… “circle of safety” We’re MAKING SURE YOUR HOME IS SAFE Spring ahead with our “13 step” home maintenance CHECKLIST To PREPARE FOR A …WORRY FREE SUMMER... From The Desk of: Terry Young - President SRS Insurance Group Summer is ju...Thu, 11 Mar 2010 09:35:41 -0600<p style="text-align: center; margin: 0in 0in 0pt;"><a name="_Toc494159933"></a><a name="_Toc494158177"><b><i>SRS Insurance… “<span style="text-decoration: underline;">circle</span> <span style="text-decoration: underline;">of</span> <span style="text-decoration: underline;">safety”</span></i></b></a><br /> </p> <p style="text-align: center; margin: 0in 0in 0pt;"><b><i>We’re MAKING SURE YOUR <span style="text-decoration: underline;">HOME</span> <span style="text-decoration: underline;">IS</span> <span style="text-decoration: underline;">SAFE<br /> <br /> </span></i></b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="text-align: right; margin: 0in 0in 0pt;"><b><span style="text-decoration: underline;">Spring</span></b><b> <span style="text-decoration: underline;">ahead</span> with our “13 step” home maintenance CHECKLIST To PREPARE FOR A …WORRY FREE SUMMER...</b></p> <h4 style="margin: 3pt 0in;"></h4> <h4 style="margin: 3pt 0in;">From The Desk of:</h4> <h4 style="margin: 3pt 0in;">Terry Young - President </h4> <p style="margin: 3pt 0in;"><b>SRS Insurance Group<br /> </b></p> <p style="margin: 3pt 0in;"><b></b></p> <p style="text-align: center; margin: 3pt 0in;"><b>Summer is just around the corner! Those kids are getting ready to get out of school and have made “vivid” plans on how they intend to spend those three precious months…we call summer. If you are like my mom or dad, you are probably preparing the house for the grandkids to come hang out some with grandma and grandpa.  Well what we have prepared is a short simple 13 step checklist to make sure your home is safe for all this spring and summer. Hope you enjoy your time this year with your family and here’s to a SAFE and HAPPY time with “our families.”</b></p> <p style="margin: 3pt 0in;"><b></b></p> <h1 style="margin: 3pt 0in;">Spring maintenance tips….</h1> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">1.      Inspect your smoke detectors. Make sure that there is one on each floor of your home. Test them and change the battery every three months or as needed. If you need to order smoke detectors or batteries here are are a couple of great online sources…</p> <p style="margin: 3pt 0in 3pt 0.25in;">Click here … <a href="http://bit.ly/SmokeDetectors">http://bit.ly/SmokeDetectors</a></p> <p style="margin: 3pt 0in 3pt 0.25in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">2.      Check the light bulbs in all your fixtures to be sure that they are the correct wattage as recommended by the manufacturer. </p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">3.      Replace all high-intensity bulbs (such as halogen) with fluorescent bulbs that don’t produce as much heat.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">4.      Check your electrical outlets for potential fire hazards such as frayed wires or loose fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">5.      Keep a multi-purpose fire extinguisher accessible that is filled and ready for operation. For those of you that are like me and sometimes need a little help in what type of fire extinguisher to buy, here is a GREAT website that has “FIRE EXTINGUISHER 101” Tips… <a href="http://bit.ly/FireExtinguisher">http://bit.ly/FireExtinguisher</a></p> <p style="margin: 3pt 0in 3pt 0.5in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">6.      Have your air conditioning system inspected by a professional as recommended by the manufacturer.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">7.      Check for damage to your roof and clean gutters and downspouts to keep debris from accumulating.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">8.      Check your water heater for leaks and corrosion.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">9.      Clean and/or replace your furnace filter.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">10.  Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material and cloth.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">11.  In your yard, remove all dead trees and keep healthy trees and bushes trimmed and away from utility wires.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">12.  Safely store oil and gas for lawn equipment and tools in a vented, locked area.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 0in 0in 0pt 0.25in;">13.            Repair driveway and walkways that are cracked, broken or uneven to provide a level walking surface.</p> <p style="margin: 0in 0in 0pt 0.25in;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">At SRS Insurance Group, we take a personal interest in our customers. We like to share information that helps you protect yourself and your family from financial loss. If you have any questions, regarding this information or your insurance coverage, please don’t hesitate to give us a call phone: 1-877-222-UROK (8765) or e-mail me personally at <a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a>.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Thanks for reading,</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Terry Young</p> <p style="margin: 0in 0in 0pt;">President </p> <p style="margin: 0in 0in 0pt;">SRS Insurance Group</p> <p style="margin: 0in 0in 0pt;">Ph: 1-877-222-UROK (8765)</p> <p style="margin: 0in 0in 0pt;"><a href="http://www.southernriskservices.com/">www.southernriskservices.com</a></p> urn:uuid:1ad20161-6ff1-48c5-bb68-f78b0aecfa5a<img src='http://www.fire-extinguisher101.com/extinguisher2.jpg' align='left' />With so many fire extinguishers to choose from, selecting the proper one for your home can be a daunting task. Everyone should have at least one fire extinguisher at home, but it's just as important to ensure you have the proper type of fire extingui...Thu, 11 Mar 2010 09:07:14 -0600<p>With so many <a href="http://www.fire-extinguisher101.com/fireprotectionproduct.html">fire extinguishers</a> to choose from, selecting the proper one for your home can be a daunting task. Everyone should have at least one fire extinguisher at home, but it's just as important to ensure you have the proper type of fire extinguisher. Fire protection experts recommend one for the kitchen, the garage and workshop.</p> <p>Fire extinguishers are divided into four categories, based on different types of fires. Each fire extinguisher also has a numerical rating that serves as a guide for the amount of fire the extinguisher can handle. The higher the number, the more fire-fighting power. The following is a quick guide to help choose the right type of extinguisher. </p> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tbody> <tr> <td style="width: 24%;"><img width="150" height="298" style="margin: 5px 10px; float: left;" alt="Fire Extinguisher" src="http://www.fire-extinguisher101.com/extinguisher2.jpg" /></td> <td style="width: 76%;"> <ul> <li><b>Class A</b> extinguishers are for ordinary combustible materials such as paper, wood, cardboard, and most plastics. The numerical rating on these types of extinguishers indicates the amount of water it holds and the amount of fire it can extinguish. </li> <li><b>Class B</b> fires involve flammable or combustible liquids such as gasoline, kerosene, grease and oil. The numerical rating for class B extinguishers indicates the approximate number of square feet of fire it can extinguish. </li> <li><b>Class C</b> fires involve electrical equipment, such as appliances, wiring, circuit breakers and outlets. Never use water to extinguish class C fires - the risk of electrical shock is far too great! Class C extinguishers do not have a numerical rating. The C classification means the extinguishing agent is non-conductive. </li> <li><b>Class D</b> fire extinguishers are commonly found in a chemical laboratory. They are for fires that involve combustible metals, such as magnesium, titanium, potassium and sodium. These types of extinguishers also have no numerical rating, nor are they given a multi-purpose rating - they are designed for class D fires only. </li> </ul> </td> </tr> </tbody> </table> <br /> <br /> <p>Some fires may involve a combination of these classifications. Your fire extinguishers should have ABC ratings on them. </p> <p>Here are the <b>most common types of fire extinguishers:</b></p> <table border="0" cellspacing="0" cellpadding="0" width="100%" height="71"> <tbody> <tr valign="top"> <td style="width: 25%;"><img width="175" height="300" style="margin: 5px 10px;" alt="sher is important." src="http://www.fire-extinguisher101.com/sign.jpg" /></td> <td style="width: 75%;" valign="middle"> <ul> <li><b>Water extinguishers</b> or APW extinguishers (air-pressurized water) are suitable for <b>class A fires only</b>. <a href="http://www.fire-extinguisher101.com/using.html">Never use a water extinguisher on grease fires</a>, electrical fires or class D fires - the flames will spread and make the fire bigger! Water extinguishers are filled with water and are typically pressurized with air. Again - water extinguishers can be very dangerous in the wrong type of situation. Only fight the fire if you're certain it contains ordinary combustible materials only. </li> <li><b>Dry chemical</b> extinguishers come in a variety of types and are suitable for a combination of <b>class A, B and C fires</b>. These are filled with foam or powder and pressurized with nitrogen. <ul> <li><b>BC</b> - This is the regular type of dry chemical extinguisher. It is filled with sodium bicarbonate or potassium bicarbonate. The BC variety leaves a mildly corrosive residue which must be cleaned immediately to prevent any damage to materials. </li> <li><b>ABC</b> - This is the multipurpose dry chemical extinguisher. The ABC type is filled with monoammonium phosphate, a yellow powder that leaves a sticky residue that may be damaging to electrical appliances such as a computer </li> </ul> </li> </ul> </td> </tr> </tbody> </table> <p>Dry chemical extinguishers have an advantage over CO2 extinguishers since they leave a non-flammable substance on the extinguished material, reducing the likelihood of re-ignition. </p> <ul> <li><b>Carbon Dioxide (CO2) extinguishers</b> are used for <b>class B and C fires</b>. CO2 extinguishers contain carbon dioxide, a non-flammable gas, and are highly pressurized. The pressure is so great that it is not uncommon for bits of dry ice to shoot out the nozzle. They don't work very well on class A fires because they may not be able to displace enough oxygen to put the fire out, causing it to re-ignite. </li> </ul> <p>CO2 extinguishers have an advantage over dry chemical extinguishers since they don't leave a harmful residue - a good choice for an electrical fire on a computer or other favorite electronic device such as a stereo or TV.</p> <table border="0" cellspacing="0" cellpadding="0" width="70%" align="center"> <tbody> <tr> <td valign="top"> <div style="text-align: center;"><b>It is vital to know what type of extinguisher you are using. Using the wrong type of extinguisher for the wrong type of fire can be life-threatening.</b></div> </td> </tr> </tbody> </table> <p>These are only the common types of fire extinguishers. There are many others to choose from. Base your selection on the classification and the extinguisher's compatibility with the items you wish to protect. <br /> <br /> If you would like more info about Fire Extinguishers please visit this website <a href="http://www.fire-extinguisher101.com/">http://www.fire-extinguisher101.com/</a><br /> where you will find a wealth of information on Fire Prevention.<br /> <br /> Thanks for reading...<br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> Ph: 1-877-222-UROK (8765)<br /> ty@southernriskservices.com<br /> www.southernriskservices.com</p> <br /> <br /> urn:uuid:038f319f-9fe2-41a9-a8c7-f0d3ae566d40In my 25 years in the insurance business i wish i could count the fires that could have been prevented if only the homeowner or business owner would have had a smoke detector installed in their home. What is amazing...More than 63% of the fires that ...Thu, 11 Mar 2010 08:33:30 -0600<p style="margin: 3pt 0in 3pt 0.25in;">In my 25 years in the insurance business i wish i could count the fires that could have been prevented if only the homeowner or business owner would have had a smoke detector installed in their home. What is amazing...More than 63% of the fires that happen DO HAVE a smoke detector installed BUT the BATTERIES ARE DEAD! <br /> <br /> Please take the time today to inspect your smoke detectors. Make sure that there is one on each floor of your home. Test them and change the battery every three months or as needed. This simple task could save YOUR life or a family member's life!<br /> <br /> Have a wonderful SAFE day!<br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> Ph: 1-877-222-UROK (8765)<br /> <br /> PS...If you need to order smoke detectors here is a great online source at LOWES Home Improvement…Click here …<a href="http://www.lowes.com/pd_null_?productId=1006157">http://www.lowes.com/pd_null_?productId=1006157</a><br /> <br /> PPS...If you are an EBAY fan you can order smoke detectors online here at EBAY.COm ...<a href="http://shop.ebay.com/?_from=R40&amp;_trksid=p3984.m38.l1313&amp;_nkw=smoke+detectors&amp;_sacat=See-All-Categories">http://shop.ebay.com/?_from=R40&amp;_trksid=p3984.m38.l1313&amp;_nkw=smoke+detectors&amp;_sacat=See-All-Categories</a><br /> <br /> PPPS...For simple brief instructions on how to replace your smoke alarm batteries click here...<a href="http://www.ehow.com/how_14126_change-batteries-smoke.html">http://www.ehow.com/how_14126_change-batteries-smoke.html</a></p> urn:uuid:b36c90f7-7320-47d1-8d20-d11606c2f620Making Healthy Habits Stick in The New Year... Eating healthy, getting in shape, quitting smoking, reducing stress - did you know your employer may provide tools that can help you achieve your New Year’s resolution? Some employer-sponsored benefit p...Wed, 10 Feb 2010 20:09:05 -0600<p><strong><span style="font-size: 24px;">Making Healthy Habits Stick in The New Year...<br /> <br /> </span></strong>Eating healthy, getting in shape, quitting smoking, reducing stress - did you know your employer may provide tools that can help you achieve your New Year’s resolution? Some employer-sponsored benefit plans offer discounts on health and wellness programs and even gym memberships.  Sticking to your New Year’s resolutions can be a lot easier when you don’t feel like you’re breaking the bank. </p> <p>“Do your homework and find out if your benefit plan offers any discount programs to its customers,” says Craig Guiffre, senior vice president for CIGNA Group Insurance. “CIGNA’s Healthy Rewards^® program is available to all if its life, accident, disability and dental insurance plan customers and offers discounts of up to 60 percent on a wide range of health products and services including gym memberships, smoking cessation and weight management programs like NutriSystem^® and Jenny Craig.” </p> <p>In addition to discounts from your benefit plan, take advantage of your company’s Employee Assistance Program, also known as an EAP.  Many employers offer an EAP to help employees with personal issues like managing stress, which can impact your effectiveness on the job and your ability to focus on your goal to be healthier in the New Year. Some of the programs offered through an EAP help you manage issues like financial concerns, eldercare, childcare and personal and legal problems. <br /> <br /> Please feel free to call our office for any questions you may have for your employer group benefit plans.<br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> Ph: 1-877-222-UROK<br /> <a href="mailto:TY@southernriskservices.com">TY@southernriskservices.com</a></p> urn:uuid:d2946db9-b4f6-40be-a9a8-e18f44a713a1Machines Don’t Have Feelings! &nbsp; I’ve explained this to my kids countless times when they were younger when they were busy trying to jam things into sockets, stick things into fans, and reaching recklessly for blenders, toasters or any other asso...Sun, 31 Jan 2010 05:45:15 -0600<p style="margin: 0in 0in 0pt;"><b><i>Machines Don’t Have Feelings!</i></b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I’ve explained this to my kids countless times when they were younger when they were busy trying to jam things into sockets, stick things into fans, and reaching recklessly for blenders, toasters or any other assorted household machinery.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b><i>February is Safety Awareness Month</i></b> and inside you’ll get a few helpful reminders on keeping you and your family safe.  You’ll probably peruse them and say yeah, yeah, I know all that (although keeping safety goggles on hand at home is a good one).<br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">I don’t think safety tips stir our emotions and feelings the way our vision, smells, noises and memories can.  Almost anyone I’ve ever talked to can remember the very first time they were in or saw a car accident, when time seem to stand still, when they felt like they were either outside their body watching things happen or knew they were absolutely helpless to stop the inevitable outcome of crashing metal, broken glass and serious injury.<br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">For anyone who has ever seen an industrial accident (I have and it’s something you’ll never forget) that results in someone walking, talking, laughing and working one minute only to being taken away broken and bleeding the next, you know Machines Don’t Have Feelings!<br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Our common sense and acute survival instincts keep us out of harms way on most occasions but it really sinks in when we can conjure images and emotions to reinforce our knowledge.  Complacency and repetition of things without anything going wrong give us a false sense of security.  Ever drive to work or a familiar location and wonder when you got there, wow I hardly remember getting here.<br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">A reminder to be safe is always welcome so the emotion you share is the sheer joy of your child jumping into your arms when you walk through the door at the end the day, the warm embrace of the love of your life happy to see you arrive or even the wonderful feeling of getting safely and peacefully home!<br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">A special thanks to all of the volunteer firefighters and emergency medical personnel who pick us up and help put us back together when we need them most, <b><i>THANK YOU</i></b>!  You’re so greatly appreciated and I know we don’t say it enough.<br /> <br /> Terry Young</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">President SRS Insurance group<br /> Email - TY@southernriskservices.com<br /> Ph - 1-877-222-UROK</p> urn:uuid:ff501795-4873-4106-afdc-d2b171581e32ATTENTION BUSINESS OWNERS, CUSTOMERS AND FRIENDS....Look for OSHA to introduce an Ergonomics Rule through the back door in Congress - The Occupational Safety and Health Administration is barred from issuing a rule similiar to the one rescinded by Con...Thu, 14 Jan 2010 06:38:16 -0600ATTENTION BUSINESS OWNERS, CUSTOMERS AND FRIENDS....Look for OSHA to introduce an Ergonomics Rule through the back door in Congress - The Occupational Safety and Health Administration is barred from issuing a rule similiar to the one rescinded by Congress in 2001. But OSHA plans to get around that by including musculoskeletal disorders when determining workplace safety hazards. We will keep you posted here on the out come...<br /> <br /> Terry Young<br /> President<br /> Southern Risk Services<br /> ph: 256-504-3288<br /> ty@southernriskservices.com<br /> urn:uuid:7942b8c7-7d74-4e44-b897-4a3820ac841cCIRCLE OF SAFETY…FREE REPORT “Auto Insurance Basics In Simple Terms” By: Terry Young SRS  Insurance group &nbsp; Let's take a look at the SIMPLE basics of auto insurance. “In exchange for an auto insurance policy that provides a specific amount of...Mon, 11 Jan 2010 06:27:27 -0600<p style="text-align: center; margin: 0in 0in 0pt;"><em><b>CIRCLE OF SAFETY…FREE REPORT</b></em></p> <p style="text-align: center; margin: 0in 0in 0pt;"><em><b></b></em></p> <p style="text-align: center; margin: 0in 0in 0pt;"><em><b>“Auto Insurance Basics In <span style="text-decoration: underline;">Simple</span> <span style="text-decoration: underline;">Terms</span>”</b></em></p> <p style="margin: 0in 0in 0pt;"><em><b></b></em></p> <p style="margin: 0in 0in 0pt;"><em><b>By: Terry Young</b></em></p> <p style="margin: 0in 0in 0pt;"><em><b>SRS  Insurance group</b></em></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b><i><br /> Let's take a look at the SIMPLE basics of auto insurance. “In exchange for an auto insurance policy that provides a specific amount of coverage, you pay an insurance company a premium.” </i></b></p> <p style="margin: 0in 0in 0pt;">                                    </p> <p style="margin: 0in 0in 0pt;">How much you pay in premiums is based on a combination of factors, including: <b>“Read these carefully they effect your rates greatly at renewal!”<br /> <br /> </b></p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;"></span></p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;">* How much coverage you have (your limits)</span></p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;"></span></p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;">* What kind of coverage you have (full coverage or partial coverage)</span></p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;"></span></p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;">* How large a deductible you pay</span></p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;"></span></p> <p style="margin: 0in 0in 0pt;"><a name="mod.291"></a><span style="font-size: 16px;">* Your driving record (tickets and accidents)</span></p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;"></span></p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;">* Theft and safety statistics of your automobile (expensive or dangerous cars)</span></p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;"></span></p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;">* Accident statistics in the area where you live (potentially high traffic areas)</span></p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;"></span></p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;">* How much you drive (miles you drive every year)</span></p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;"></span></p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;">* Other drivers on your policy (those teenage drivers)</span></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Auto insurance companies generally bill you every six months or so in order to have premiums reflect their most recent claims expenses. You can usually arrange with your insurance company to make extended payments, such as every month, but breaking up your premiums into smaller payments is likely to add to the total cost of the premium, they will charge billing fees for this service.<br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">States often require a minimum amount of insurance coverage for certain categories of auto insurance. For example, most states require some amount of liability insurance. Some states require uninsured and underinsured motorist insurance, while others require medical payments insurance.<br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">You can often lower your premiums by limiting how much coverage you obtain or eliminating unnecessary coverage. We look at some of the major categories of auto insurance coverage later in future FREE reports.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Insurance is the business of paying for the transfer of risk from you to the insurance company. Auto insurance companies will gladly cut you a break on your premiums if you share in the risk. One way to do this is to limit the maximum amount of liability the insurer will face if you are involved in a wreck.<br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Another way to share in the risk: Increase your deductible. Paying a higher deductible --- $500 instead of $250, for example -- means you pay more upfront when you file a claim. If you insist on a small deductible, expect to pay a larger premiums in the long run…It’s just a fact of life dealing with insurance carriers.<br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Other ways to lower your premiums include buying a vehicle with a reputation for safety and low theft. You can also drive safely or even drive less. The fewer your opportunities for accidents, the less risk you are from an insurance company’s point of view.<br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Auto insurance is regulated by state governments. Each state has its own insurance commission, which regulates rates and handles complaints. An insurer has to have a state license in order to sell insurance in that state. The main umbrella organization of state insurance commissions is the National Association of Insurance Commissioners. <br /> </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><span style="font-size: 16px;"><strong>THE BOTTOM LINE…At SRS Insurance Group we try to take the PAIN out of buying auto insurance and make everything REAL and SIMPLE… We are professionals and experts in this field and we welcome the opportunity to help you with a FREE 10 minute review of your auto policy. Give us a call today at 1-877-222-UROK (8765).</strong></span></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Terry Young</p> <p style="margin: 0in 0in 0pt;">President</p> <p style="margin: 0in 0in 0pt;">SRS Insurance Group</p> <p style="margin: 0in 0in 0pt;">Ph; 1-877-222-UROK (8765)</p> <p style="margin: 0in 0in 0pt;"><a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a></p> <p style="margin: 0in 0in 0pt;"><a href="http://www.southernriskservices.com/">www.southernriskservices.com</a></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> urn:uuid:d04a4395-1445-4439-97bf-91fcf234492aDear Customers and friends, Obama has signed the extension on the existing COBRA subsidy program on 12-16-09. If you have more than 20 Employees in 2009 you need to review this letter. I just wanted to pass this on to you since it impacts tons of sm...Fri, 08 Jan 2010 11:17:32 -0600<p style="margin: 0in 0in 0pt;"><b>Dear Customers and friends,<br /> <br /> Obama has signed the extension on the existing COBRA subsidy program on 12-16-09. If you have more than 20 Employees in 2009 you need to review this letter. I just wanted to pass this on to you since it impacts tons of small businesses accross America!<br /> <br /> Terry Young<br /> President<br /> SRS Insurance Group<br /> ty@southernriskservices.com<br /> <br /> *****************************************<br /> <br /> COBRA Premium Subsidy Extended, Immediate Compliance Required</b></p> <p><b><a href="http://paracom.paramountcommunication.com/ct/3798315:5573885350:m:1:172117656:2A3D4AB3654E847B8C2C73B233093FC9">Register today</a> and save up to $30</b></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <p style="margin: 0in 0in 0pt;">On December 19, President Obama signed legislation authorizing a six-month extension of the COBRA premium subsidy program that was part of the economic stimulus bill passed last February.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;"><b>These changes establish a new eligibility period, require new COBRA notices and modifications to existing notices, and more.  Most companies – and probably yours – are affected.</b></p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">If you employ more than 20 workers and you laid someone off starting September 1, 2008, the extension will impose new notification obligations. Even if you employ fewer than 20 workers and maintain group health plan coverage subject to continuation coverage rules, your compliance burdens have increased.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">Find out what you need to do immediately – and what will be required of you in coming months – by taking part in Kiplinger's newest 90-minute interactive audio conference on January 29, 2010.</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">You'll get the lowdown on everything you need to know to comply with the latest changes to COBRA, including step-by-step details of how your business is affected, what you need to do, for whom, by when, and a whole lot more. You’ll discover: </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt 0.5in;">·         What has changed – and what hasn’t – regarding the COBRA premium subsidy program,</p> <p style="margin: 0in 0in 0pt 0.5in;">·         What new COBRA notification letters you are legally obligated to send to former employees and the deadlines for sending them, </p> <p style="margin: 0in 0in 0pt 0.5in;">·         How to immediately revise the COBRA notices you currently send, which will reduce the number of corrective notices you have to send in the future,</p> <p style="margin: 0in 0in 0pt 0.5in;">·         What your obligations are regarding former employees who paid their premiums in full for December 2009 but are now eligible for a reimbursement, </p> <p style="margin: 0in 0in 0pt 0.5in;">·         How to use the newly issued DOL-approved model ARRA extension notices,</p> <p style="margin: 0in 0in 0pt 0.5in;">·         How COBRA premium subsidies are likely to be further affected by additional pending legislation,</p> <p style="margin: 0in 0in 0pt 0.5in;">·         And much more. </p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">&nbsp;</p> <p style="margin: 0in 0in 12pt;"><b>You Get Expert Advice: Paul Hamburger</b> is a partner in the Washington, D.C., office of Proskauer Rose LLC. He is the head of the Employee Benefits, Executive Compensation and ERISA Litigation Practice Center and is a leader of its health and welfare subgroup.</p> <p style="margin: 0in 0in 12pt;">Paul’s practice involves advising employers on all aspects of their employee benefit programs, including matters affecting tax-qualified retirement plans, such as: 401(k) plans, ESOPs, and defined benefit plans, including cash balance plans; executive compensation plans; and welfare benefit plans, including cafeteria plan and COBRA issues. He also advises employee benefit plan trustees and service providers on ERISA and employee benefit plan-related matters. Paul has extensive experience in representing clients before government regulatory agencies, including the Internal Revenue Service, Department of Labor and Pension Benefit Guaranty Corporation.</p> <p style="margin: 0in 0in 12pt;">Paul is described in <i>Chambers USA</i> by clients as “a creative, business-oriented and brilliant lawyer who educates and enlightens.” <em>US Legal 500 </em>also recognizes Paul as “especially recommended” for his benefits-related tax and employee benefits practices.</p> <p style="margin: 0in 0in 12pt;">As an adjunct professor at Georgetown University Law Center, Paul teaches the LL.M. tax course on ERISA Health and Welfare Benefit Plans. He is a frequent speaker on employee benefit matters and has given annual presentations at the ABA National Institute on Welfare Plans since 1987. He also is an author of numerous articles and other publications on employee benefits matters, including three nationally-circulated loose leaf publications: <i>Mandated Health Benefits – The COBRA Guide</i>, <i>The Guide to Assigning &amp; Loaning Benefit Plan Money</i>, and <i>The Pension Plan Fix-It Handbook</i>.</p> <p style="margin: 0in 0in 0pt;"></p> <p style="margin: 0in 0in 0pt;"><strong>It’s convenient.</strong> Listen in from your office as our expert explains how your organization will be affected by this extension. </p> <p style="margin: 0in 0in 0pt;"><b>It’s interactive.</b> The 90-minute audio conference will feature 60 minutes of discussion by the presenter, followed by a 30-minute Q&amp;A period during which you can ask questions concerning your specific needs. </p> <p><b>It’s affordable. </b>As many of your staff as you wish can participate at one low cost. All will be covered under the single low rate for Kiplinger subscribers.</p> <p><strong>Visit <a href="http://paracom.paramountcommunication.com/ct/3798315:5573885350:m:1:172117656:2A3D4AB3654E847B8C2C73B233093FC9">www.krm.com/kiplinger</a> to save up to $30! Further information on the audio conference is listed below. </strong></p> <p style="margin: 0in 0in 0pt;"><b>COBRA Premium Subsidy Extended, Immediate Compliance Required</b></p> <p style="margin: 0in 0in 0pt;"><strong>An audio conference</strong><br /> <b>January 29, 2010</b></p> <p>1:30-3:00 Eastern time<br /> 12:30-2;00 Central time<br /> 11:30-1:00Mountain time<br /> 10:30-12:00 Pacific time </p> <p><b>Registration:</b><br /> $209 Audio conference and Printed Materials*<br /> (Regularly $239 - save $30!)<br /> <br /> $249 Audio conference, Printed Materials* and Audio CD (of the full audio conference)<br /> (Regularly $279 - save $30!)<br /> <br /> $209 Printed Materials* and Audio CD only<br /> (Regularly $239 - save $30!) </p> <p>*<strong>Printed Materials:</strong> Listeners will also receive practical printed material to supplement the audio conference presentations.</p> <p><b>2 Easy Ways to Register:</b><br /> 1. <b>Visit</b> <a href="http://paracom.paramountcommunication.com/ct/3798315:5573885350:m:1:172117656:2A3D4AB3654E847B8C2C73B233093FC9">www.krm.com/kiplinger</a> to order online<br /> 2. <b>Call</b> (800) 775-7654 </p> <br /> <br /> <b>Cancellation Policy:</b> To cancel your registration for this event and receive a full refund, you must contact customer service at 800-775-7654 no later than 48 hours prior to the scheduled start of the audio conference. Any cancellations received after dial-in information and supplemental materials have been sent (48 hours prior to the start of the audio conference) will receive a CD of the audio conference or a credit valid for one year. Your credit (the cost of the audio conference) will be applied toward the purchase of any Kiplinger product or audio conference. urn:uuid:f5f11c90-f9b9-4005-b985-07c413f2f387As we approach the coldest months of winter i would like to share with you some tips and tricks that you should know to better protect your home and property this winter! Thanks for your business and support of our agency, here is our FREE REPORT on ...Sat, 02 Jan 2010 18:45:25 -0600As we approach the coldest months of winter i would like to share with you some tips and tricks that you should know to better protect your home and property this winter! Thanks for your business and support of our agency, here is our FREE REPORT on Fall / Winter Tips and Tricks.<br /> <br /> <br /> <p style="margin: 0in 0in 0pt;"><a name="_Toc494159933"></a><a name="_Toc494158177"><b>The circle of safety: prepare your home for cooler days ahead….</b></a></p> <p style="margin: 0in 0in 0pt;"><b></b></p> <h4 style="margin: 3pt 0in;">By Terry Young - President</h4> <p style="margin: 3pt 0in;"><b>SRS  Insurance Group</b></p> <p style="margin: 3pt 0in;"><b></b></p> <h1 style="margin: 3pt 0in;">Fall / Winter Maintenance Tips….</h1> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">1.      Have your furnace cleaned and inspected by a qualified technician annually.</p> <p style="margin: 3pt 0in 3pt -0.15in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">2.      Keep flammable materials, including all lawn and power equipment, away from water heaters and wiring in the basement. </p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">3.      Insulate water pipes in areas exposed to cold temperatures and turn up the thermostat during extra cold periods.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">4.      Check for damage to your roof and clean gutters and downspouts to keep debris from accumulating. This is especially important during the fall season to keep leaves from building up in gutters.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">5.      Check and repair caulking around doors and windows that show signs of deterioration.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">6.      Have your chimney cleaned and maintained annually by a professional.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">7.      Clean and/or replace your furnace filter.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">8.      Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material or cloth.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">9.      Check your electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">10.  Keep a multi-purpose fire extinguisher accessible that is filled and ready for operation.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 3pt 0in 3pt 0.25in;">11.  Inspect your smoke detectors. Make sure that there is one on each floor of your home. Test them and change the battery every three months or as needed.</p> <p style="margin: 3pt 0in;">&nbsp;</p> <p style="margin: 0in 0in 0pt 0.25in;">&nbsp;</p> <p style="margin: 0in 0in 0pt;">At SRS Insurance Group, we take a personal interest in our customers. We like to share information that comes to help you protect yourself and your family from financial loss. If you have any questions, regarding this information or your insurance coverage, please don’t hesitate to give me a call 256-442-3443 or e-mail me personally at <a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a>. </p> urn:uuid:6ff84b16-5e2f-4e70-9ccc-6e30563b4394To All Our Clients, family and friends of SRS Insurance Group, we would like to take this time to wish you and your families a wonderful and prosporus New Year in 2010! If we can help you in any way during 2010 please don't hesitate to call or email ...Sat, 26 Dec 2009 06:30:11 -0600To All Our Clients, family and friends of SRS Insurance Group, we would like to take this time to wish you and your families a wonderful and prosporus New Year in 2010! If we can help you in any way during 2010 please don't hesitate to call or email us. It has been an honor and privelege to serve you and your businesses during the past year!<br /> <br /> Terry Young<br /> President<br /> SRS Insurance group<br /> <a href="mailto:ty@southernriskservices.com">ty@southernriskservices.com</a><br /> Office Ph: 1-256-442-3443<br /> Cell Ph: 1-256-604-3288<br />