Eric Dodson - Independent Insurance Agent

Eric Dodson - Independent Insurance Agent Independent Property & Casualty Insurance Agent

Commercial Lines - Commercial General Liability, Cyber & Privacy Liability, Professional Liability, Worker's Compensation, Commercial Auto, Inland Marine, Commercial Umbrella/Excess Liability, Business Income and Extra Expense, Employment Practices Liability, Directors and Officers Liability, Business Personal Property, and more!

01/25/2022

Are you self employed? Worried about paying too much in taxes come April? There are ways to lower your current tax burden and provide for your retirement. Call my friend, Gustavo Nazario (Gus) with Cetera Investors and talk to him about your situation and how he may be able to help you. his number is 859-273-2171.

02/11/2021

I know a lot of people (individuals and business owners alike) are concerned about the weather forecast in Central KY for the next 48 hours or so. If you are so inclined to have an emergency kit (flashlight, snacks, cash, spare batteries, etc.) you might want to add the following items to that kit: Your agent's contact information (office and cell), your insurance policy info - for each insurer - name of insurer, policy numbers and emergency claims number. If for some reason you have an incident and cannot reach your agent (no power, no office phones, etc), you can still use your cell phone to call your claim into your insurance company as quickly as possible. Also, make sure that your cell phone has an adapter that allows you to charge it in your car in case you need to do that.
Stay safe, warm and healthy!

12/15/2020

Insuring your business correctly can be your last line of defense when it comes to protecting your livelihood. Being good at your work is just the start. You then need to make sure that your employees, sub contractors and business partners are also good at what they do and that everyone is vigilant at doing the right thing to protect yourselves and others. One mistake along the line can cause issues. Make sure that your commercial insurance program meets your current needs.

09/03/2020

Most businesses are having to alter their operations due to the current pandemic. If you have a business, make sure that your commercial insurance program is addressing all of your exposures to risk. Whether you are a contractor, a health care provider, a restaurant, in transportation and logistics, Information Technology, a Golf Course operation, a microbrewery, or any of hundreds of other types of businesses - please make sure that you review your operations and your commercial insurance program with your agent to make sure that you are correctly protecting your business, employees, clients and the general public.

06/19/2020

During the pandemic, have you, the business owner, paid employees who were staying home and not working? If so, please be aware that the NCCI (the National Council on Compensation Insurance) has activated a new class code (0012) for that payroll. It will be important for you to use that class code during your worker's compensation audit, as the payroll in this situation will not be counted against your worker's compensation audit. If you paid employees to stay home and not work, please keep track of this information to use during your audit.

06/09/2020

Spring and Summer are definitely "Contractor seasons". Contractors have many needs - commercial general liability, worker's compensation, commercial auto (for the truck and trailer), inland marine for their contractor's equipment and tools and even bonds. If you know a contractor who has concerns about his/her commercial insurance program, I would be happy to speak with them and answer their questions.

06/03/2020

Insuring a business is a lot like a trip to a salad bar. There are lots of choices on coverages and it is important to understand the appetite of a given insurer and the exposures to risk (needs) of a given business. When I speak with a business owner, I review their operation and usually ask a lot of questions so that I can best understand the needs of the business, the owners and the employees. If you own a business, I would be happy to speak with you about your situation. I do this free of charge.

05/01/2020

Over the next few months, there is likely to be some turbulence in the property & casualty insurance market (how much, none of us yet knows). I am available to review any business's insurance program (CGL, Worker's Compensation, Commercial Auto, Excess / Umbrella liability, Cyber and Privacy Liability, Products Liability, Employment Practices Liability, and so on) with you to make sure that you have the right resources matching your exposures to risk. I can be reached at 859-312-1005 for a consultation, which is free of charge.

04/07/2020

Many individuals, families and businesses right now are hurting due mainly to the economy of the Coronavirus. If you are among those that are hurting financially, call your insurer’s billing department. Give them your policy number and explain your situation and ask them if there is anything that they can do to help you. Many insurers are stepping up and offering relief to those in need who reach out and request. I cannot speak for every insurer, but many are trying to help.

03/07/2020

"It will never happen to me" or "It will never happen" or "I sail under a lucky star". These are all attitudes that I, as a commercial property & casualty insurance agent, face on a constant basis. It's hard to battle the logic "it's never happened to me, so it will never happen to me" if somebody truly believes what she/he is saying. I usually explain that there is a first time for everything - experiences, new places, new foods and so on. There is also a first time for "bad things happening that cause claims". Nobody likes to be the bearer of bad news, but bad things will eventually happen. If they do happen, you have to be prepared - not only with a smart insurance program, but also with smart management to your business and operations, Reduce your risks. Don't allow your employees or sub contractors to take shortcuts around safety.

10/25/2019

I just read an article from one of our cyber and privacy liability insurers. They have seen a marked increase in ransomware attacks in the past several months. Over 60 percent of those businesses reporting these ransomware attacks are small businesses.
This might be surprising to some, but the fact of the matter is that small businesses, churches and non profit organizations typically have to rely on their internet service provider for their security measures (due to cost, but also a lack of understanding by the small entity of what it takes to secure the network and data).
If your business has personally identifiable information on your clients/patients/customers (names, dates of birth, SSN, email address, and other private information), please make sure that you have an IT company that can provide defense of your network - and make sure you have a good cyber and privacy liability policy in place (they are not all created equal - some offer very good protection and others offer little or no coverage).
Call me, if you have questions 859-312-1005.

Address

Lexington, KY
40513

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18593121005

Website

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