Calvin Kenney - Independent Insurance Agent with Copeland Insurance Agency

01/27/2026

01/23/2026

Last week we shared a Winter Plumbing Checklist. One of the steps listed was to locate the water shut off valve inside your home. If a pipe bursts inside your home, do you know how to stop the water?

🛑 Take 5 minutes today to locate your main shut-off valve. It’s usually found in the basement, crawl space, or near the water heater. Knowing where this is can save you thousands in water damage.

03/09/2025

Going to multiple agents to get a quote can actually hurt your chances of getting the best deal in the marketplace. Let me explain why..

📌 Insurance carriers only allow one agent to quote per renewal cycle, which is decided on a first-come, first-serve basis. If you're reaching out to several agents to quote, the first one to submit your application blocks that carrier, meaning no other agent can access that carrier. This can be problematic for several reasons.

1. Speed becomes the name of the game and not accuracy. You could get stuck working with a not-so-great agent.

2. No leverage is created on your behalf. Your goal is to create competition between carriers, not agents.

3. It can force you to become an "insurance expert". If you're left comparing quotes from several agents you will have to answer questions like: Do these quotes all have the same coverages? Why is one quote so much less than the other?

📌 An agent acts as your storyteller to underwriters. When you use multiple agents, you lose your ability to control your narrative. By partnering with one agent who knows the ins and outs of your business, you can trust that your business is being presented to carriers as a "top of stack" submission. Keep in mind that underwriters receive hundreds of submissions each month and will choose the ones they know they have a good chance of writing, so getting your submission to the top of their stack is crucial.

When you're looking to find an agent to work with, here is my recommended approach:

✅ Meet with several agents well in advance of your renewal and choose the one you believe is best equipped to handle your business.

✅ Share your history, safety practices, and policy information to review your current program so agents can fully understand your business and convey your story to underwriters.

✅ Trust your agent to navigate the marketplace to find you the best deal with the proper coverages and terms.

We have a defined strategy to to navigate the insurance market and help reduce your premiums without having to go through the quoting process. Reach out to me if you'd like to schedule a 15-minute conversation to discuss this strategy.

02/01/2025

It was Loss Control Day with Weddle & Sons Roofing. Training included forklift safety and use of harnesses. If you are a commercial client in need of safety services, we have our own in-house Loss Control Officer, Terry Krankenberg! Give us a call!

12/09/2024

Common Insurance Gaps Contractors Should Watch Out For

Are you a contractor? Protecting your business means understanding potential coverage gaps that could leave you vulnerable. Here are some common gaps to address:

1. General Liability Limitations
Many contractors assume general liability covers everything—but it often excludes things like damage caused by subcontractors or issues that arise after project completion.

2. Tool and Equipment Coverage
Your tools are critical to your work, but standard policies may not cover theft, loss, or damage, especially off-site or during transport.

3. Faulty Workmanship
General liability policies typically exclude claims related to faulty workmanship, meaning you could be financially responsible for repairs or replacements stemming from errors in your work.

4. Professional Liability Exclusions
If you offer design or consultation services, mistakes in plans or advice might not be covered without professional liability insurance.

5. Workers’ Compensation Gaps
If you use subcontractors, ensure they have their own workers’ comp. Otherwise, you could be held liable for their injuries.

6. Commercial Auto Misuse
Personal auto policies often exclude coverage for vehicles used for business purposes. Make sure you have commercial auto insurance for work vehicles.

7. Inadequate Coverage for Completed Operations
Many policies don’t fully cover claims made after a project is complete, leaving contractors exposed to long-term liabilities.

Not sure if your policy covers everything you need? Let’s review your coverage to keep your business protected.

12/05/2024

Safeguard the future of your business with business insurance....
https://copelandins.com/business-insurance

11/27/2024

Is your home/business winter-ready? ❄️ 🏡

It’s going to start getting cold this week. Take these steps to protect your home:

1️⃣ Protect pipes – Wrap exposed pipes to avoid freezing and costly repairs.

2️⃣ Check your HVAC system – Clean filters and schedule a tune-up to keep it running smoothly.

3️⃣ Seal windows and doors – Stop drafts with weatherstripping or caulking to save on energy bills.

4️⃣ Test smoke & CO detectors – Winter means heaters, so safety first!

Stay warm and safe this winter! Need help with property insurance or tips? Contact us today!

11/19/2024

Do you have questions or are you looking for help with your insurance? Contact our Overland Park, KS, office to get the help you need!...
https://copelandins.com/contact/overland-park-ks-insurance

11/14/2024

Get started by requesting an insurance quote today with us....
https://copelandins.com/request-quote

11/11/2024