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Munn Insurance Receives 2019 Pinnacle Award

Munn Insurance Receives 2019 Pinnacle Award
In photo from left are Taylor Rhodes, Applied Systems CEO, and Munn Insurance President and CEO C.J. Nolan.

Top Customer Recognition for Driving Digital Transformation

Munn’s commitment has always been to serve customers better, and part of that commitment includes adopting the industry’s best technologies to make a better insurance experience for you.

On October 15, Munn Insurance was presented with the prestigious Pinnacle Award at Applied Net 2019 at Aria Resort & Casino in Las Vegas, the world’s largest gathering of independent insurance agents, brokers, insurers and MGAs. The Pinnacle Award recognizes Munn Insurance’s partnership with Applied Systems and its innovative usage of Applied Systems’ technology to facilitate the digital transformation of Munn Insurance’s operations and the insurance industry in general.

This award solidifies Munn Insurance’s reputation for leadership in leveraging innovative technology to enhance company performance and provide a better experience for clients. Through adopting EpicCloud and a full suite of Applied Rating products, Munn Insurance has become a true digital brokerage offering a world-class service for clients.

C.J. Nolan, President and Chief Executive Officer, proudly accepted the Award on behalf of Munn Insurance.

“Munn Insurance is incredibly honoured to be the winner of the Pinnacle Award for 2019 as it recognizes our steadfast commitment to innovation on behalf of our clients. It’s all about creating partnerships and pathways that give our clients the best experience possible,” said Nolan. “Technology is an integral part of that mission.”

Past winners of the Pinnacle Award include Nationwide Insurance, Central Mutual Insurance Company, and Hylant.

NL Auto Insurance Tax Rebate Update.

Insurance Tax Update

Back in April, the Government of Newfoundland and Labrador decided to eliminate the remaining tax on auto insurance.  They gave the insurance companies (Aviva, Travelers, Intact, etc.) until the end of September to get it all sorted.  So now people are wondering when they can expect their tax rebate.

Here are 9 things you need to know about the tax rebate on automobile insurance; including when you can expect to receive your rebate and how this is being done:

  • The elimination of the tax pertains to auto insurance including personal vehicles such as cars, motorcycles, ATVs and other recreation vehicles
  • The elimination of the tax also applies to commercial vehicles, such as taxis, school buses, trucks (fire, police) and tractor-trailers
  • The Government of NL have determined that the taxes charged on personal property and other commercial policies (excluding commercial auto) will continue to be subject to a tax
  • Any customer that renewed their auto policy on or after April 15, 2019 will receive a rebate for any taxes that were paid
  • For policies in force before April 15, 2019, the NL Government have determined that there will be no refund of the tax
  • The insurance company (Aviva, Intact, Travelers, etc.) that collected the tax is responsible to ensure customers receive the appropriate RST refund
  • Customers on payment plans will have the RST removed and their remaining payments recalculated and reduced based on the amount of their tax rebate
  • Customers who paid in full will receive a refund cheque in the mail; if there are any outstanding balances the refund will be adjusted accordingly
  • Rebates and changes will be made by the insurance companies prior to the end of September

If you would like more information on the elimination of the tax on auto insurance, or if you have any questions on your home or auto insurance, please contact Munn Insurance today toll-free at 1-855-726-8627.

Telephone Claims Adjuster

Munn Insurance Career Opportunity

Telephone Claims Adjuster

We are an innovative and progressive business poised for rapid growth. And we are looking for a new Claims Adjuster to join our amazing team where you can learn and grow with the best independent adjusting firm in Atlantic Canada – our people actually say we are the best in the country!!

Here is that small print our industry is known for – Please don’t apply if you’re looking for a cozy 9-5 job with two 15 minute breaks and an hour for lunch. But, if you have that perfect combination of ivy league brains and blue-collar brawn and you’re hungry to learn, love winning, and are ready to challenge yourself, give us a shout.

About Us

Munn Insurance was established in 1949, just before Newfoundland and Labrador joined confederation. So we are old and have been around a long time. But our team is young and dynamic – more than ready for our next phase of rapid growth; with plans to double in the next few years and expand into new markets.

Ok, so this is insurance; there is no hiding it! The industry is not widely known for being particularly ‘glamorous’ or innovative. But that’s where we are different. We are a fast-growing, exciting, forward-thinking business looking for the best, brightest, talented insurance people to help us accelerate our growth and expansion.

About You

Every day is going to be different, and it’s not going to be easy. Our most successful people are:

  • Customer service oriented – you always go that extra mile
  • Team player – together we can do anything
  • Strong attention to detail – sometimes, the little things make the biggest impact
  • Professional – we like to have fun but must always act like a pro
  • Exceptional organization and time management skills – prioritize and plan
  • Thrive in a fast-paced environment – no kidding; you will be busy
  • Excellent verbal and written communication – after all, we all read and write and speak to people a lot

Job Description

  • You will be a master at collecting and documenting claims related information in a clear and concise manner ensuring accuracy and quality standards are exceeded
  • You must maintain multi-line claims files that are impeccably organized and thorough
  • You must be a wizard with policy wordings and can analyze and interpret those crazy long-winded, complicated, often conflicting, comma rich, sentences lawyers are known for with ease and precision
  • Your day will be spent balancing your world-class investigative skills
  • You have excellent judgment, in the evaluation, negotiation and settlement of claims
  • You effortlessly manage communications and balance the sometimes-conflicting needs of multiple stakeholders such as clients, third party claimants, witnesses, vendors, legal counsel and law enforcement personnel
  • You will have to multi-task – seriously it would be great if you could juggle rubber balls and adjust a claim at the same time!
  • Accurate and timely completion of all required assignments
  • And of course, other duties as required (and no, you don’t have to take out the trash!)

Requirements

  • College or University degree is preferred
  • Provincial Licensing requirements will need to be met
  • Currently holds CIP designation or willing to work towards completion of designation

If you are committed to excellence, believe you could be a valuable addition to the team and would prosper in a dynamic, innovative, creative environment of a growing business where you can advance your career, then please e-mail your resume and cover letter to us at [email protected].

Work Location: St. John’s, NL
Closing Date: September 27, 2019

Data Entry Clerk/Receptionist

Munn Insurance Career Opportunity

Data Entry Clerk/Receptionist

If you are keen to work with a progressive and successful company, then we have the opportunity for you. Munn Insurance is currently in search of a Data Entry Clerk/Receptionist, based in our Corner Brook office, to provide service excellence and support in the coordination and data entry import of information into our application software system.

Key Responsibilities and Accountabilities

  • Data entry of various policy transaction details into software system
  • Review and verify accuracy and completeness of information entered
  • Meet deadlines within specified service standards
  • Provide high quality customer service by greeting and directing incoming visitors
  • Distribution of incoming mail; preparation of outgoing mail
  • Ensures reception area is kept neat and tidy at all times
  • Various other general administrative support as required

Education Requirements – Knowledge and Skills

  • Efficient speed and accuracy in data entry / keyboarding skills
  • Proven ability to organize and prioritize a multitude of tasks while working effectively within a team environment
  • Sound analytical and problem solving skills
  • Excellent interpersonal and verbal communication skills
  • Relevant post secondary education at College level

If you are committed to excellence, believe you could be a valuable addition to our team and would succeed in a dynamic, creative environment of a growing business where you can advance your career, then please e-mail your resume and cover letter to us at [email protected].

Should you be interested and meet the qualifications for this role please submit your resume to [email protected].

Work Location: Corner Brook, NL
Closing Date: September 27th, 2019

10 Things to Know About NL Auto Insurance Tax Elimination.

Auto Insurance Tax Elimination

The Provincial Government recently eliminated the remaining 13 per cent Retail Sales Tax (RST) on automobile insurance. Here are 10 things you need to know about the recent decision by the Government of NL to eliminate RST on automobile insurance in this province:

  1. The elimination of the tax pertains to auto insurance including personal vehicles such as cars, motorcycles, ATVs and other recreation vehicles
  2. The elimination of the tax also applies to commercial vehicles, such as taxis, school buses, trucks (fire, police) and tractor trailers
  3. The Government of NL have determined that the taxes charged on personal property and other commercial policies (excluding commercial auto) will continue
  4. Any customer that renewed their auto policy on or after April 15, 2019 up to the date that the change became law will receive a rebate for the taxes paid
  5. The RST refund may be processed as a direct payment to the client, a reduction in monthly installments, or a credit against an accounts receivable
  6. The insurance company (Aviva, Intact, Travelers, etc.) that collected the tax is responsible to ensure customers receive the appropriate RST refund
  7. The insurance companies are in the process of calculating the amount of rebates for each customer and have until the end of September 2019 to process those rebates
  8. For policies in force before April 15, 2019, the NL Government have determined that there will be no refund of the tax
  9. The Government of NL have determined that refunds of tax will NOT be provided to taxpayers who cancel insurance policies that were acquired before April 15, 2019
  10. Munn insurance is now providing personal auto and commercial auto policies with no taxes calculated on the premiums – effective immediately all our new auto policies are tax free

If you would like more information on the elimination of tax on auto insurance, or if you have any questions on your home or auto insurance, please contact Munn Insurance at 855-726-8627.

Water Damage Insurance – Get the Facts.

Water Damage Insurance - Get the Facts

It’s water damage season in Canada. With springtime, comes storms, water and sewer backups, snow melt, seepage and leakage. And yes, the the ever-present worry that the wet days of spring may lead to water damage. And flooding is on the rise!

It’s only early May and already there’s flood damage all across Canada. Ontario, Quebec and New Brunswick are in the news and the images of the damage and destruction are shocking. Other communities are on watch. Our hearts go out to the residents of all these cities and towns.

Once the water recedes, efforts will turn to clean up and rebuild. Insurance and disaster relief will become a more prominent part of the conversation. When it comes to coverage protecting homes from floods and flood damage, most property owners assume their home insurance policies will provide adequate protection. This is not always the case, making dedicated and additional flood damege coverage for specific water events a must.

Here are some things you need to know about water damage coverage & flood insurance…

What kind of water damage is covered by my basic home insurance policy?

Most standard home insurance policies cover water damage caused by things inside of your home (like a burst pipe), but damage caused by water that enters your home from external sources (during a heavy storm or rainfall, a sewer backup, or a sump pump failure) is likely not covered.

The good news is, you can likely buy additional water damage coverage to protect you in the event of these increasingly common emergencies depending on where you live and your insurance provider. Call your insurance broker to confirm if additional water damage coverage is available on your policy.

What kind of optional add-ons are available?

While optional add-ons are different for every insurance provider and location (including the type and limit of coverage available), here are two of the more common water-related add-ons that you can discuss with your broker:

  1. Sewer backup coverage.

    Sewer backup coverage is generally set up to protect you from loss or damage to your property when caused by the rupture or escape of water from a sewer, drain, sump pump, or septic system. For an additional premium to your homeowner’s insurance policy, an endorsement for water backup and sump discharge will cover losses caused by the following:

    • The backup of water or waterborne materials through a sewer or through a drain
    • Water or waterborne material that overflows from a sump, even if the backup of water is due to the mechanical breakdown of the sump pump. Coverage includes damage to covered property but excludes the sump pump and any related equipment that has broken down

    The endorsement does not cover losses that involve owner negligence, such as from damage as the result of forgetting to turn on your sump pump, or damages caused by a flood.

    The cost of sewer backup coverage is affordable. Call your broker to get more information about coverage costs, limits and deductibles.

  2. Overland water coverage.

    Generally speaking, overland water coverage is designed to protect you from damage caused by excessive rain, overflowing rivers, spring run-off, and melting snow. It usually excludes damage caused by saltwater, including tidal waves, and tsunamis.

    What is Overland Flooding?

    Overland flooding is defined as floodwaters that flow from an outside source or body of water onto dry land, causing water damage. The two most likely causes of overland flooding include snowmelt and rainstorms. Overland flood insurance covers flooding from surface water accumulation as well as from bodies of water, such as lakes, rivers or streams. Understanding what is and what has not considered flooding from an insurance perspective is critical to ensuring you secure the appropriate policies to protect against water damage.

    Why Traditional Policies Aren’t Enough

    While traditional home insurance policies and tenant policies may offer coverage for water damage from sewer backups or pipe bursts, they commonly exclude losses caused by overland floods. While newer policies can include some level of flood protection, availability varies. What’s more, even comprehensive homeowners and tenant insurance policies (which often offer the best available protection for homeowners and tenants) don’t automatically provide broad protections for water damage. Some people wrongly assume that sewer backup insurance provides adequate coverage. However, these policies only insure you from non-storm-related backflow from sewers or septic tanks. Sewer backup insurance doesn’t protect you if the backflow results from a sudden flow of external groundwater.To truly protect your home from floods, you can’t rely on standard home insurance policies or tenant insurance alone. Instead, you should turn to new forms of protection, like overland water endorsements.

    Overland Flood Endorsements

    Standard home, condo and tenant policies often exclude overland flood damage coverage. However, because extreme weather events are becoming more frequent, many insurers are now providing policyholders with the option to purchase add-ons (endorsements).In general, overland flood endorsements provide a level of flood insurance that was previously unavailable. Specifically, the overland flood endorsement can protect against damage resulting from melting snow, excess rain and overflowing riverbeds.With overland flood insurance, it is important to understand what is and what is not covered. Overland flood insurance covers damage from freshwater sources. This means that any claims related to coastal flooding, tsunamis and other saltwater sources are excluded. Dam breaks are also specifically designated as uncovered occurrences.

    Overland water endorsements are available to most property owners across Canada. However, a small number of dwellings may not qualify if the risk of flooding is too high in their area. The best way to determine your coverage eligibility is to contact your broker.

    For those living in areas that are on flood plains and regularly impacted by rising water, overland water or flood coverage is simply unavailable since insurance is designed to protect against random events, not predictable ones. When the next flood comes along, homeowners in these areas will have to avail of disaster relief assistance from the government if it is offered and if the homeowner qualifies.

In addition to insuring your home, we are committed to helping you and your loved ones stay safe when disaster strikes. If you would like more information on water coverage and all the affordable ways we can help you to protect your home and personal property, please contact Munn Insurance at 855-726-8627 today.

10 Essential Winter Driving Tips.

Install winter car tires

Safe driving is always important but being on the road during winter warrants extra care and attention. If road conditions are dangerous, consider making alternate travel arrangements or postponing your trip until conditions improve.

Here are 10 tips to keep you safe and collision-free during the next few blustery winter months.

  1. Install winter tires. If you haven’t done so already, install winter tires. They will provide greater traction under snowy or icy conditions. Check to make sure they aren’t worn or bald.
  2. Top up your fluids. Make sure you always keep your gas tank at least half full. On very cold days, the condensation in the tank can freeze when it is running low and may cause problems. Also, don’t forget about your windshield-washer fluid!
  3. Get an emergency car kit. Make sure you have the appropriate safety and emergency winter equipment always stored in your car. The basic emergency kit for cars should include the following items:
    • Food – that won’t spoil, such as energy bars
    • Water – in plastic bottles so they won’t break if frozen (change every six months)
    • Blanket
    • Booster cables
    • Extra clothing and shoes
    • First aid kit
    • Small shovel
    • Scraper and snow brush
    • Road salt
    • Flashlight
  4. Stay connected. Always travel with a fully charged cell phone and keep a portable charger at the ready. You never know when you need to make an emergency call.
  5. Clean off your car. Before you head out, make sure that mirrors, all windows, and the top of your vehicle, are free of snow or frost; that might require a few extra minutes, but it is time well spent.
  6. Drive according to the road conditions. Take your time. Slow down. That may mean driving slower than the posted speed limits. Driving too quickly is the main cause of winter collisions. Brake slowly and reduce your speed before entering turns. Once you have rounded the corner you can accelerate again. Better to be 10 minutes late in this world than 10 minutes early for the next!!
  7. Keep the lights on. Turn on your lights to increase your visibility to other motorists.
  8. Don’t tailgate. It is dangerous to drive too close to the car in front of you. This is more dangerous in winter weather as stopping takes much longer on snowy and icy roads than on dry pavement, so be sure to leave enough room between your vehicle and the one in front of you.  The normal dry pavement following distance of three to four seconds should be increased to eight to ten seconds. This increased margin of safety will provide the longer distance needed to stop safely.
  9. Don’t use cruise control. Never use cruise control if conditions are snowy, icy, or wet, because if your car hydroplanes, your car will try to accelerate, and you may lose control of your vehicle.
  10. Stay home. If you really don’t have to go out, don’t. Even if you can drive well in the snow, not everyone else can. If you don’t have somewhere you have to be, watch the snow from indoors.

If you would like more information on winter driving or if you have any questions on your home or auto insurance, please contact Munn Insurance at 855-726-8627 today.

Facebook Security Breach! Protect Your Information.

Facebook Security Breach - Tips from Munn Insurance

Facebook is in a bit of hot water, again. The social media behemoth has just provided a security update regarding an issue that has impacted 50 million users.

The update, indicates that on the afternoon of Tuesday, September 25, the Facebook engineering team discovered a security issue affecting almost 50 million accounts. While their investigation is still in its early stages, it’s clear that attackers exploited a vulnerability in Facebook’s code that impacted the “View As”, a feature that lets people see what their own profile looks like to someone else. This allowed attackers to steal Facebook access tokens which they could then use to take over people’s accounts. Access tokens are the equivalent of digital keys that keep people logged in to Facebook so they don’t need to re-enter their password every time they use the app.

Here are ten tips that aren’t foolproof, but which may help prevent your digital information from being used without your consent.

  1. Share with care. What you put on the web can last a lifetime. So before you post about yourself with others, think about how it will be perceived now and in the future.
  2. Decide how private you want to be. Set your privacy settings to a level that you are comfortable with. If you are happy with one of the preset privacy settings, ok. If you are not, customize your privacy settings.. You can also Uncheck the “Let friends of people tagged in my photos and posts see them” box. This ensures that only your friends are able to see posts and photos that you tag.
  3. Spring clean. The same way you spring clean your house, the same needs to be done for your computer. Look at all your apps. Ask what they are trying to find out about you. Get rid of the apps you aren’t using.
  4. Turn off or limit access for third-party apps. Adjust the how much and exactly what data your apps can use. Some of the data is in the “required” category others can be “turned off”.
  5. Secure devices. Use facial recognition or complex passwords with special characters that are hard to crack, but also hard to remember.
  6. Make a certain piece of information visible to only a couple people. To do so, click Customize from the drop-down menu. From the next drop-down menu, choose Specific People…Then, type in the name of the people you want to be able to see the info. As long as your networks are unchecked, only those to whom you grant permission will be able to see that piece of information.
  7. Use two-step verification. Your most important sites, like banking and health apps, should have a code or fingerprint after the passcodes.
  8. Ask why you’re giving certain information. Be careful if you feel uncomfortable disclosing info to certain questions. Vendors can be putting together a profile on you based on the info you give.
  9. Hide certain people or networks from seeing your information. To do so, click Customize from the drop-down menu. Then, choose “Friends Only,” uncheck any networks you don’t want to see your photos (remember that when this is checked it means that anyone in the network can see that piece of information, not just your friends in the network), and type in the names of any person on your friends list you don’t want to see your info.
  10. Talk to you kids (and parents). Make sure they understand the issues and take the steps to protect themselves.

If you would like more information on protecting your identify in social media (or coverage for identity theft), or if you have any questions on your home or auto insurance, please contact Munn Insurance at 855-726-8627 today.

Renewing your License and Registration in NL.

Renewing Your License

Renewing your license and registration has always come with a reminder in the mail from Service NL. However, this is no longer the case.

As of April 30, 2018, Service NL no longer sends vehicle registration and driver’s license renewals in the mail. Vehicle renewal reminders can be now be received by email from Service NL. To make sure your email address is updated with Motor Registration Division, please visit the Service NL webpage.

If you don’t have an email address you will have to remember the dates and take the necessary action.

Vehicle Registration

Your vehicle registration must be renewed annually. You may also sign up to receive renewal reminders by email. The registration expires the last day of the month shown on your registration document and on your vehicle stickers. Service NL advises residents to mark this date in their calendar yearly. Your registration can be renewed online, by mail or fax, or in person.

If you need extra help remembering when to renew your registration, you can sign up to change your renewal date to your month of birth. For example, if you were born in the month of November, your vehicle registration would expire on November 30. This request can be made in person at any Motor Registration Division office. For further information about this option, please call 1-877-636-6867.

Renewing Your License

Renewing your license must occur every 5 years on or before your birthday. Your expiry date can be found on your driver’s license card. You may also sign up to receive renewal reminders by email. Renewing your license can be completed online, by mail or fax, or in person.

If you would like more information on your home or auto policy (or about how to renew your vehicle registration or driver’s license) please contact Munn Insurance at 855-726-8627 today.

Far From the MUNN-dane Approach.

Munn Approach to Great Customer Care

Recently, Insurance Business Magazine interviewed CJ and Adam Nolan to learn about what makes Munn Insurance a leading broker in Newfoundland and Labrador. As one of the province’s oldest and most respected insurance brokers, Munn has seen significant technology improvements and process enhancements. The one thing that has remained constant is their focus on treating their customers with respect and providing the level of service they deserve.

For Munn Insurance, this approach to the future is more important than ever.

Being part of the community, developing meaningful relationships with your clients and instilling positive values within our own team is ultimately what will make us successful.

Read the full article here.