Happy Thanksgiving!

Happy Thanksgiving Insurance Family! We are Thankful for YOU!

Our offices will be closed on Thursday November 25th, and Friday November 26th for the Thanksgiving Holiday. If you are traveling please drive safely.

Please enjoy our blog and please forward to anyone that you think may find it helpful. Remember in the event of a claim please call our office and leave a detailed message as well as calling the claims line on your ID card or policy. For a list of most claims lines you can find them by visiting our website @www.garymarshallagency.com/claims-centers

Happy Labor Day

Happy Labor Day Weekend Insurance Family!

Our offices will be closed on Monday September 6th for Labor Day. If you are traveling please drive safely. Do you know why we celebrate Labor Day? Here is everything you need to know about Labor Day! here

Please enjoy our blog and please forward to anyone that you think may find it helpful. Remember in the event of a claim please call our office and leave a detailed message as well as calling the claims line on your ID card or policy. For a list of most claims lines you can find them by visiting our website @www.garymarshallagency.com/claims-centers

Still Looking for Life Insurance?

Look at multiple companies by clicking here. Still can't find what you are looking for? Call us 410-651-1111

As the summer starts to wind down and everything turns to pumpkin spice now is a good time to do annual home maintenance. Take a look at these tips to keep you home in shape click here.

Happy Easter Insurance Family!

Our offices will be closed on Friday April 2nd and will reopen Monday April 5th for Good Friday and the Easter Holiday. We hope you enjoy your Easter.

Hopefully your Easter is free from insurance related issues but remember in the event of a claim please call our office and leave a detailed message as well as calling the claims line on your ID card or policy. For a list of most claims lines you can find them by visiting our website @www.garymarshallagency.com/claims-centers

Merry Christmas!

We will are closing for Christmas at 1:00 on Christmas Eve. We will reopen on normal business hours --- on Monday Dec 28th. In the event that you have had a claim please call the claims line provided on your ID card or policy and also call our offices and leave a detailed message. You are able to find a list of most company claims lines on our website @ garymarshallagency.com. You can also make payments with most carriers online or through their automated phone systems - many companies also have mobile apps that you are able to make payments as well as report claims on.

Merry Christmas Insurance Family!

Happy Thanksgiving!

Giving Thanks to you.

Happy Thanksgiving!

Our offices will be closed for Thanksgiving Thursday the 26th and Friday the 27th. We want to take this opportunity to let you know how Thankful we are for you. Thank you for your continued business.

To read our newsletter go to https://mailchi.mp/garymarshallagency/happy-thanksgiving-litzyfm3bb

Remember in the event of a claim please call our office and leave a detailed message as well as calling the claims line on your ID card or policy. For a list of most claims lines you can find them by visiting our website@www.garymarshallagency.com/claims-centers

Happy Labor Day 2020

Happy Labor Day Weekend Insurance Family!
Our offices will be closed on Monday September 7th for Labor Day. If you are traveling please drive safely. Do you know why we celebrate Labor Day? Here is everything you need to know about Labor Day! here

Please enjoy our blog and please forward to anyone that you think may find it helpful. Remember in the event of a claim please call our office and leave a detailed message as well as calling the claims line on your ID card or policy. For a list of most claims lines you can find them by visiting our website @www.garymarshallagency.com/claims-centers

Still Looking for Life Insurance?

Look at multiple companies by clicking here. Still can't find what you are looking for? Call us 410-651-1111

As the summer starts to wind down and everything turns to pumpkin spice now is a good time to do annual home maintenance. Take a look at these tips to keep you home in shape click here

Help us say "Thank You"

A very sincere Thank You!

We want to take a moment to once again "Thank You" for voting David Galeone - Best Insurance Agent on The Eastern Shore by the readers of the Metropolitan Magazine! This 3rd year in a row is special and to say “Thank you” we are going to once again do our annual give back to the community that supports us.

We will donate $1000 to Your Favorite Local Charity or Non Profit Organizations - (4) $250 donations. Just as last year we can't think of a better way of Thanking You - "Our Insurance Family" and giving back to our community. Please list local charities and or organizations since we want to give back to the local community. Nominate your favorite nonprofit or charity by by clicking here to go to Facebook and following the steps outlined in the post or just comment below right on this blog.

*The top 4 Charities listed by commenting on the post will get a check for $250, in the event there is a tie the two charities with the same number will both split the donation. We will announce the winning Charities on Friday August 14th and the checks will be mailed out or a donation made on their site.

Once again...Thank you! 🙏

Happy 4th of July! Our office will be closed on Friday July 3rd.

Happy 4th of July Insurance Family!

Our offices will be closed on Friday the 3rd of July in observation of the 4th of July. If you are traveling please drive safely. Learn all about the day America declared her independence with a quick refresher from History.com by clicking here.

Please enjoy our newsletter and please forward to anyone that you think may find it helpful. Remember in the event of a claim please call our office and leave a detailed message as well as calling the claims line on your ID card or policy. For a list of most claims lines you can find them by visiting our website @www.garymarshallagency.com/claims-centers

Have you joined our group on Facebook? Over 10,000 of the kindest people on Delmarva helping one another. Just click here.

Please be safe if you are considering lighting your own legal Fireworks. For a list of Safety Tips for your family visit here.

Follow us on Facebook

Check out all of the contest that we have and stay informed with valuable insurance tips by liking our page on Facebook. Click Here

Memorial Day - Office Hours and Grill Safety

This Memorial Day we remember all of those who have sacrificed for our great country.
Our offices will be closed on Monday the 25 in Observance of Memorial Day. We will reopen on Tuesday the 26th. Take a minute and see if you know about our American Holiday: Memorial Day

Please enjoy our newsletter and please forward to anyone that you think may find it helpful. Remember in the event of a claim please call our office and leave a detailed message as well as calling the claims line on your ID card or policy. For a list of most claims lines you can find them by visiting our website @www.garymarshallagency.com/claims-centers

Continue reading: Click Here

Happy Easter

Happy Easter Insurance Family 

Our office will be closed this Friday and will reopen on Monday April 13th. We know this Easter is going to be quite different from most. Please check on your friends and family and look out for each other.

We do hope your Easter weekend is free from insurance related events but if one arises please call us at 410.651.1111 and leave us a detailed message. Also be sure to call your claim in directly to the claims reporting number located on your policy or your insurance card. For a list of most carriers claims lines you can find them by clicking here. You are also able to make payments over the phone or online with most companies by simply calling your company's customer service line or visiting their website or using their mobile apps as well.
 

If you are having difficulty making your payments please contact us or your company directly. Most all companies will work with you and extend graces periods right now. But please call us and don't assume that it is going to be OK. As always please call us with any questions.

Before you leave a bad review or how to respond to one online?

Happy Tuesday Delmarva... well, good morning! Get yourself a cup of Joe! I have a big Tuesday Tip for you both business owners and for the consumers too: It is called compassion. Defined by the Merriam-Webster Dictionary: sympathetic consciousness of others' distress together with a desire to alleviate it

Saturday, I highlighted several things that can be done to support small businesses without having to spend money or even going into the business at all. You can use the search feature at the top of our group to find that or any other post here on the group. I have also posted the information on my website here: https://bit.ly/2QVSFmw for you as well. But one major thing that I forgot to mention...what should you do if you had a "not" so good experience? Or if you are a business owner and you get a bad review?

Before we dive into that. The recent announcement regarding the stay at home order has once again started to cause a good amount of panic all over Delmarva. Please be kind to one another and show some "compassion" both here and in public. It may be easy to be a keyboard warrior and spout off online. I see it on so many of the groups and pages I am a member of, maybe that is just how some people are. But our group isn't the place for it and it will not become a place for it either. We are all in this together. So if you are here you are here to help make our community on Delmarva a better place. Negativity will not do that, and it certainly will not fill our feeds or notifications! At least from this group.

One of the biggest things I said that you can do to help local businesses is to leave great reviews. But what if you didn't have a great experience? What if your food was bad, or the receptionist at the business you walked into was anything but welcoming. Before you turn to the keyboard or your phone to let the world know...maybe show some compassion? I love the saying "Kill them with kindness" I take it as a personal challenge when I meet someone having a bad day. I have to try to cheer them up. You never know what that person may have going on or what they are being faced with. Now more than ever, another old saying that I like "If you don't have anything nice to say, don't say anything at all" can certainly be good advice. Or better yet, ask to speak to the manager or the owner. Make them aware of the situation. Now if that doesn't work then just keep in mind my last old saying for today "What goes around, comes around"

So business owners/managers you walk in the door after getting off and turn the TV on and sit down to relax, talk with your wife, kids or pet Fido and bing! You just get a notification that you got a 1 star review from Mr. Jones and he blast your business. What do you do? Do you hope no one sees it? NOPE...that is absolutely the worst thing you can do. Respond with an offer to try to resolve the issue publically. Don't get into a big debate online...It is silly and isn't going to win you any new fans if they see you lashing out at someone. Be respectful and just simply apologize they were unhappy and offer to fix it. It is all you can do online.

I am really proud of our businesses ratings. But one time out of nowhere I got a 1 start review and no comment. I was dumbfounded...didn't know the person and most problems that come up I am aware of. I reached out and as it turns out a child was using her mom's phone. Somehow they got on a google page that the mother had us pulled up on and hit the 1 star. She apologized and immediately corrected it. Had I responded differently she could have ignored me. Had I ignored it and hoped no one noticed...I am pretty sure it would still be up right now.

I know I am not going to please everyone all of the time. Being in business is hard, trying to juggle the many things that get tossed into your lap as a business owner is sometimes not much fun at all. There are some tough decisions and sometimes even when you think you are making the right one it still feels wrong. So maybe your pizza took a bit long to get there or maybe the person on the other end of the phone wasn't as pleasant as they could have been to you. What is going on right now in this country and here on Delmarva has shown us the very best in people. Our community is coming together to help one another.

So before you leave a bad review try showing just a little compassion. Try and give the business a chance to make things right first.

Shop Local Delmarva!

David

Supporting Local Businesses!

Happy Saturday Delmarva! So you want to support local businesses! But maybe you aren’t in the position right now to buy anything or maybe you don’t want to get up off the couch, keep reading...I got ya! (it's a bit of a read but it's Saturday)

I would like to address something first: I know I have been going to several places all around Delmarva trying to support as many local businesses as I can. If I haven’t made it to yours keep looking for me. I hope everyone knows that I am taking the COVID-19 situation seriously. I have many friends that are doctors and nurses. I would never want my actions to put them at greater risk. Also even though I am encouraging you to support local businesses I don't want you to do anything that would put you at greater risk either.

I am taking extra precautions to be safe. In my truck I keep lysol wipes and hand sanitizer, don't worry about it they are insured Anytime I go to pick up food I always make sure I am giving everyone more than enough space, social distancing - I don’t like it. But I am doing it and not shaking hands which is really hard for me! After work when I get home I take off my shoes and the clothes go right in the wash. I have washed my hands so much I don’t think the FBI could lift a fingerprint right now. I also keep a nurse on my payroll. So I kid around but I don't think any of this is a joke. I would never want to put myself or my family or my super team that works with me everyday at risk.

All of this and at the same time I really care about our community here on Delmarva. I care about the local businesses and all of the employees too. I know what it is like to wonder how I am going to be able to pull it all together. I have had times when I feel overwhelmed with the stresses of my business, payroll, TAXES, and bills. As much as I try not to do it sometimes I bring that home. This is something most people would have a hard time with on a normal day. This last week or so has been filled with anything but normal days. So when I see the look on the faces of the friendly person at the register, the wonderful employees all over Delmarva or the owners of these establishments. I know what you are feeling. I know how I feel right now.

But I also feel great knowing how so many local people are here coming together! So what can we do to show our support without going in physically:

Google review - Don’t just give them a rating...tell us how great the burger was! Rave about it...

Facebook review - Again don’t just leave a rating...come on I want to taste the Pizza !

Share your experience - Many times this is as easy as sharing your review that you just posted!

Tell your friends - So much of our business comes from referrals and it really is the biggest pat on the back you can give someone if they do a good job.

Like and Share - The more you like and share their content online the more exposure it will get which is another way of helping.

A couple more we can do without going in but if you can spend some money:

Order a meal for a First Responder - Anyone can call ahead to a local business and say that you would like to pay $20 or whatever amount you can for a breakfast or lunch for our deserving First Responders. Many local places have started keeping tabs for them. If not have them start one.

Purchase merchandise/gift cards online - many of our local businesses have websites that you can order and have things shipped to you.

If you are buying something also don’t forget to Leave a Tip - even though some of our servers are there I kind of doubt they are making the same amount doing carry out or curbside pick up as they would waiting tables.

And finally! Share and support this page. Invite your friends. Invite the many local businesses and business owners. This group is something special that might just be what they need to keep it together.

Shop Local Delmarva

Important Update: COVID-19

Insurance Family,

As we all navigate through this difficult time in our country we have had no choice but to close our offices to the public. We will not be able to accept cash or check payments at this time in our office and your payments must be mailed directly into your insurance company or called in to us or to your company. *We are also discontinuing the use of our drop boxes and again we simply ask that you call or mail the payments to the insurance company or to us during our hours of 9-5. We are sorry for any inconvenience this may cause but we are trying to continue to work while maintaining the safety and health of our employees as well as you. Our office hours until the COVID-19 crisis is over will be between 9 AM - 5 PM M-F..

Below we have listed links to claims lines, also numbers if you want to call payments in directly to the insurance carrier during this period of time. If you have been impacted by this crisis please let us know or the company representative when you call your payment in. We will try to work with the insurance company and see if there are any options. Many companies have put in place special billing procedures.

Please know that we truly sorry to have to make this change. We love our interaction with our customers and will miss seeing you.  We will assist you just the same over the phone as if you were in the office. Our office numbers are of course 410-651-1111 or 410-749-2220. If you would like to simply just make your payment after hours there are many options such as your company's mobile app, bill pay, automated phone system. As long as we are able we will check our PO Box but once again we would ask that any payments not be made at this address until this crisis is over and simply mailed directly to the carrier for fastest processing.

Thank you for your understanding during this time,

All of us at Gary Marshall Insurance Agency! 

Please see important information below:

http://www.garymarshallagency.com/claims-centers

http://www.garymarshallagency.com/blog/2020/3/21/billing-and-payments

https://www.facebook.com/garymarshallagency/
 

David david@garymarshallagency.com
Renee renee@garymarshallagency.com 
Laura laura@garymarshallagency.com
Lillian lillian@garymarshallagency.com 
Will will@garymarshallagency.com
Amanda amanda@garymarshallagency.com 
Bailey bailey@garymarshallagency.com
Neal neal@garymarshallagency.com

Billing and Payments

Please see a list below so you can make payments online or calling the insurance carrier directly.

AIC (Agency Insurance Company)

1.800.492.5629

https://www.agencyinsurancecompany.com/

Select "pay your bill online" option at the top right corner of page and then enter your policy number, billing zip code and date of birth under the "policyholder login" option to log into your account.

Allstate 1-800-255-7828 

https://www.allstate.com/support/payment-and-billing.aspx 

Allstate Flood

1.800.527.2634

https://www.myallstateflood.com/?AspxAutoDetectCookieSupport=1

Follow the prompts to log into your existing account OR the prompt to create an online account if first time user. 

American Modern

1.800.543.2644

https://www.amig.com/

Select "make a payment online" OR the $ (on the left sidebar of page) then choose your payment method under make a one-time payment and follow the prompts.

ASI (Agency Services Inc.) / Finance carrier for MAIF customers

1.800.339.9192

https://www.myasionline.com/Contractholder/Public/LoginPage.aspx

Enter your account number, mailing zip code and agent's telephone number to log into your account.

Cumberland Mutual

1.800.232.6992 (press option 1)

https://www.cumberlandmutual.com/make-a-payment

Select "Pay Now" to make a quick one-time payment and follow the payment prompts.

Dairyland

1.800.334.0090

https://my.dairylandinsurance.com/secure/

Under "quick pay" enter your policy number, date of birth and mailing zip code and select "make a payment" ; follow payment prompts.

Farmers of Salem

1.800.498.0954

https://www.farmersofsalem.com/paybill.aspx

Follow payment prompts to make an online payment.

Foremost 

1.800.532.4221 (24/7 automated service)

No online payment option available

Frederick Mutual

1.800.544.8737

https://payment.frederickmutual.com/pay-online

Enter your policy number and zip code and then follow the payment prompts.

Hagerty

1.800.747.5348

https://www.hagertyagent.com/

Select "Log in" at the top right corner then select "register" or "create account" and follow the prompts to set up an online account and pay your bill online.

(The) Hartford

1.866.467.8730 (select option 1)

https://business.thehartford.com/home.html

By the "express pay" option select "make a one-time payment" and follow the prompts.

JIA (Joint Insurance Association)

1.800.492.5670

*No online payment option available.*

Main Street America

1.800.258.5310

https://www.msagroup.com/

Select "Payments" and then select "one time electronic payment"  then select "pay your bill" and follow the online payment prompts.

Markel

1.800.236.2453

https://www.markelinsurance.com/pay-my-bill

Under the "pay my personal insurance" section select the red link that says "make a one-time payment" and follow the prompts.

Maryland Auto Insurance Fund (MAIF)

See ASI for monthly payments; if paying your MAIF premium in full please contact our agency for further assistance.

MetLife

1.800.638.5433

https://online.metlife.com/paymentcenter/web/public/us/quickpay

Enter your policy number, last name and select "Next" and follow the online payment prompts.

National General

1.877.468.3466

https://m-service.nationalgeneral.com/Account/QuickPay

Enter policy number and last name and select "quick pay" then follow the prompts.

National Indemnity Company (commercial accounts)

1.866.720.7861

https://expresspay.nationalindemnity.com/PolicySelection.aspx

Enter your policy number, effective date of the policy and your mailing zip code and select "continue" and follow the prompts.

Penn National

1.800.766.2245

https://www.pennnationalinsurance.com/portal/

Select pay online and follow the online payment prompts.

Progressive

1.800.876.5581

https://account.progressive.com/access/ez-payment/policy-info?cntgrp=A&session_start=true

Enter policy number OR email address on your Progressive account, zip code and date of birth then "continue" and follow the prompts to pay online. 

Skipjack Finance Company

1.888.672.3889 24/7 automated payment hotline

https://pay.xpress-pay.com/org/111B71B796394E6 

Select from drop down "installment", hit next, enter the account number and last name on account and select next and finalize completion of prompts. 

State Auto

1.833.724.3577 Select option # 3

https://www.stateauto.com/paynow

Enter account number OR policy number and "continue" and follow the prompts to make an online payment.

Travelers

1.800.842.5075

https://www.travelers.com/pay-your-bill 

Select "make one-time payment" option, enter your policy OR account number, last name on account and your billing zip code then continue following the prompts.

Universal Property & Casualty

1.800.425.9113 Select option # 1

universalproperty.com

Select "$ Make a payment" at bottom left of screen, enter your policy number and select next and continue following the prompts. 

Windsor Mount Joy

1.717.733.8648

http://www.windsormountjoy.com/?page_id=223 

Enter your policy number and mailing zip code and continue following the prompts.  

Wright Flood/Fidelity Flood

1.800.820.3242 Select option # 1

https://www.wrightflood.net/Portal/PolicyPayments/PolicyCheck.jsp 

Enter your policy number and property zip code and continue following prompts. 

Business Interruption Coverage

Business owners please see below the response from the State of MD regarding Business Interruption Coverage and also you can see below the copied text from our Facebook Business Page regarding this as well.

https://insurance.maryland.gov/Pages/newscenter/NewsDetails.aspx?NR=2020256&fbclid=IwAR2wJ4528kfpxV-9z3TIcy1_8IEOYIcGjM963aOldw0eLBdfImWCtQ6wlO4

Also this is my copied post that I put on our business page and response I have sent to several customers. Business Interruption Coverage.

Hi all I just heard on a call today another insurance agent address this subject and gave out some really bad advice to a number of business people basically suggesting that this could be a covered event for business interruption coverage. Please read below and if you have questions please contact your agent for advice. If you don't have one or don't know who to call we can try to assist.

So here is my take on this...while I am not a claims adjuster and the only way to be certain if a claim is covered is to file the claim and have the company review the policy verbiage as each claim will have it's own situation and also each policy may treat things a bit differently but generally speaking:
COVID-19. Based on my understanding of Business Interruption coverage to apply: there must be a direct physical loss to property. In order for us to have a definite answer we would submit the claim and allow the claims adjuster to show in the policy where there is coverage or it is excluded. This is a pretty good link that covers this topic as well: https://www.law360.com/…/4-key-coronavirus-insurance-covera…
On that link you will see how coverage could apply for work comp as an example. Another possibility of coverage is under a General liability but I think that is going to have to be worked out in the courts. As I type this I just read an article that NJ is trying to force coverage under business interruption coverage to be paid for this event even though it is a standard exclusion. https://www.whiteandwilliams.com/resources-alerts-NJ-Legisl…
***These are only examples and I am not offering advice on any specific policy. If you have questions about coverage or a claim it is always advised to call the claim into the company or review your policy with your agent

Thank you,
David

Best of Voting now Open

It is that time of the year that we shamelessly beg 🙏 for you to vote for us once again...for Best Insurance Agent and Agency on the Eastern Shore. 😀 Thank you so much for voting the last two years and helping our own David Galeone win Best Insurance Agent on the Eastern Shore. The Metropolitan Magazine has their Best of voting going on right now for this year. If you are able to once again find the time we would be honored for you to pick our own 👉 David Galeone as Insurance Agent and also pick 👉Gary K Marshall Agency for best Insurance Agency as well. To Vote for the Best of in the Metropolitan reader choice just go to: 👉 here Thank you so much! 😊 we greatly appreciate your vote 🗳