Tuesday, May 17, 2016

Make it a summer of giving back to the community

As your local independent insurance agency, we are a part of your community and we understand the need to support a variety of social service and community endeavors. Each month throughout the summer we are going to feature one of the ways Crawford-Butz gives back, either financially or through volunteer work, in our e-newsletter. We know our clients are active in the community as well. Share pictures of the ways you "give back" on our Facebook page through the end of June to enter a chance to win a $50 gas gift card for yourself and a $50 donation towards the organization you are serving. Hopefully you will be inspired, as we were, to get out in the community this summer and give back!

To enter into the drawing for the giftcard and donation to a service organization of your choice, you must be a client of Crawford-Butz, visit and "like" our Facebook page, write a post or post a picture to our page showing how you volunteer or otherwise support the organization. The organization must be a non-profit that helps the greater St. Louis area in some capacity.
https://www.facebook.com/crawfordbutzinsurance/

All who post will be entered into the drawing, to take place on Friday July 1st at the main Crawford-Butz office. The winner will be contacted via Facebook.

To sign up for our monthly newsletter to see how Crawford-Butz gives back to the community please visit: http://www.crawfordbutz.com/sign-up
Crawford-Butz is donating to a summer camp for kids with autism and speech therapy needs for the second year in a row in 2016.

Steve Butz with William Humphrey, the District Director of the Boy Scouts of America. Crawford-Butz has supported the Boy Scouts for a number of years.


Autism Speak Walk 2015. Crawford-Butz was well represented on the Ajdin's Hope Team.





Monday, February 15, 2016

Buying Life Insurance: It Isn't that Complicated

Part 1: Starting the Conversation


The most difficult part of buying life insurance seems to be actually picking up the phone and making the call to your agent. Once you have passed that hurdle, it just gets easier. According to LifeHealthPro there are over 18 million Americans who say they need life insurance, but do not have it.

In that initial conversation your agent will ask for a few pieces of basic information about you - your height, weight, age and tobacco use. This will easily give your agent the ability to generate quotes for you. This is a great jumping-off point to get into bigger discussions about what type (term or whole) and how much life insurance you need.

Monday, June 8, 2015

Umbrella Insurance: What you need to know

You have a retirement plan. This means you are ahead of the game, right? Or perhaps you are getting ready to send your kids off to college next year. You can finally sit back and relax, right? If you don't have an umbrella policy, don't get too comfortable. Getting hit with a liability lawsuit could put all your plans on hold. 

Here is an example that happens all too often. You are in an auto accident and the other driver and passengers are seriously injured. The claim reaches $1.5 million and your liability auto insurance only covers $100,000. If you don't have an umbrella policy to extend that coverage, you will be responsible for $1.4 million. If you don't have that kind of money available, your assets will be seized. No one wants to have to rebuild their lives after something like that. However, umbrella insurance is one of the least known types of liability coverage.  

In the event that a claim exceeds your underlying policy limits, a personal umbrella policy may be able to help by providing:
  • Additional liability coverage from $1 million to $5 million for your primary and secondary homes, rental properties, automobile, motorcycle, watercraft, RV and more
  • Coverage for most types of accidents - not just auto
  • Legal defense fees not covered under your current auto policy
  • Extended liability protection that helps protect your current assets and future earnings
Usually umbrella policies start at $1 million in coverage and are sold in million-dollar increments. You will also typically need to have minimum underlying liability limits on your homeowners and auto policies before you can buy an umbrella. To determine how many coverage you need, simply calculate your net worth by taking the value of your retirement and other assets and subtracting your debt. 

The most important thing is to talk to your insurance agent. Call your agent directly or our main office at (314) 752-2500. Don't let something unexpected ruin what you have been working towards your whole life.

Monday, May 18, 2015

Crawford-Butz Sponsors World Pediatric Project Event

The World Pediatric Project (WPP) is a nonprofit humanitarian organization with a mission to heal critically ill children and build healthcare capacity in the world. While that sounds like a lofty goal and an overwhelming undertaking, they are doing it one child at a time.

On May 9th 2015 WPP held an inaugural event called Rock 'n Heal. Crawford-Butz was a gold level sponsor for this event and 10 members of the Crawford-Butz team were able to attend. The $2,500 that Crawford-Butz donated supports surgery for five children reached by WPP traveling medical teams! The party was held at the Jet Linx hangar at Lambert and included food, drinks and entertainment. Most importantly, however, is that fact that is raised $67,000 for the World Pediatric Project and is helping them to Heal a Child and Change the World.


Agent Matt Laux and CSR Jamey Moroney 


One of the children that has received services through the World Pediatric Project was helicoptered in for the event  


This little boy from Peru can now eat and breath without pain because of surgery he received through World Pediatric Project. 





Monday, December 22, 2014

Auto Insurance: Smart phones make showing proof of insurance more convenient.

   There are many among us who are familiar with needing to show proof of our automobile insurance, but for one reason or another we cannot find our ID card when needed. Yet today we all carry our smart phones or tablets wherever we go, and in most states an electronic version of your proof of auto insurance will satisfy the requirements for a proof of auto insurance coverage. It seems like such a trivial detail to remember to put our proof of insurance in an accessible location, but it is a detail that is often overlooked.
 
Image of electronic insurance card   New smart phones and insurance company apps have made keeping your necessary insurance documents conveniently accessible. Now whether you have been pulled over in a traffic stop or you are going to register a car, you can pull up a saved PDF of your proof of coverage and show proof instantly. We receive requests for duplicate auto insurance cards all the time. With the expansion of electronic forms becoming an acceptable proof of auto insurance; it has allowed us to better serve our clients by getting any necessary information passed to the correct party in a much more time efficient manner.
   I would recommend that in addition to your physical proof of insurance that is sent by your auto insurance carrier. You might want to request an electronic version to sent to your phone in order to have fall back in the event your insurance card gets misplaced or damaged.





www.crawfordbutz.com

Thursday, December 4, 2014

Homeowners Insurance: Adding an alarm system is a cost effective way to provide basic home protection.

   As insurance agents we are always looking for ways to add protection for clients. An alarm system installed in the home is a basic way to add some front line protection against burglary and fires, while also adding an overlooked discount on the homeowner's insurance policy. Most companies offer a discount on the homeowner's policy if a local or central station alarm system is installed. The discount for an active alarm system can vary depending on the insurance carrier and other discounts already in place, but in some cases the discount is substantial enough that it greatly underwrites the cost of the system.
   An alarm system can help mitigate some losses that could potentially be much worse. If a home break-in was to happen and an alarm system is in place, you might be able to limit the damage caused by the break-in, while removing the potential loss to your personal property inside the home. They are also helpful in alerting your fire protection service in the event that your home catches fire. Like a lot of things in life, if a home fire is caught early, the damage can be limited and may not result in a total loss to the home.
   There are many types of home alarms available to consumers today. They can range from local systems where a physical alarm is sounded if someone attempts entry or if a fire starts, to central station alarms where your local emergency responders are alerted in the event of a break-in, smoke, or fire.
    Please contact your insurance agent today to begin the discussion of how a home alarm system might be added, while learning about all the benefits available to you on your homeowner's insurance policy.

Kevin Butz
www.crawfordbutz.com

Friday, September 5, 2014

Home and Auto Insurance: Why insurance is the perfect medium to touch people's lives.

   Recently my wife and I had our fourth child, a daughter named Evelyn. Every time we have been pregnant we make an effort to go out a few times before the baby is born, which for us usually means sneaking out to an early movie or two. With this past pregnancy-induced movie binge we were able to catch the movie "Chef" starring Jon Favreau and Sofia Vergara. It is essentially a story about a successful chef who becomes fed up with having to satisfy the owner of his restaurant, and decides to strike out on his own. He comes to the realization that at his core he loves feeding people. He knows that when you feed someone well, you can literally feed their soul. Satisfying their need for a good meal can conjure feelings of comfort and satisfaction that very few experiences can replicate.
   It is with this same sentiment that the agents and CSRs of Crawford-Butz handle our client's needs. At our core we know that when client's insurance needs are handled with all the care, experience, and knowledge we have, we have done our client's a great service. We take great pride in being well informed on the current trends in the insurance industry. We then use this knowledge to help better protect our clients. Our driving purpose is looking for gaps in coverage and ensuring that our clients are satisfied in the event a claim situation does arise. We are fueled when a client relays their satisfaction with our service or the auto and home insurance coverage we have provided.  
   This has been the mission of Crawford-Butz since the firm was formed by Norbert Butz in 1961, and excellent service to our clients and writing company partners continues to be our greatest motivation.