From: Brad Allen []

Sent: Wednesday, August 22, 2007 10:11 PM

To: Barbara O'Neal

Subject: (Aug 2007) The Advisor from Allen Insurance Group



August 2007


a publication of Allen Insurance Group

Celebrating 75 Years

75 Years Young


FireworksThank You ! It is only through your continued loyalty & patronage, that we are able to reach and surpass this milestone.

Allen Insurance Group History

Meet Our Partners


Encompass is a national company with an excellent financial rating. Encompass only writes personal insurance and specializes in providing packages. These packages include Homes and Autos and can include coverage for Boats, Scheduled items such as Jewelry, Rental Properties and Umbrella Liability.

Although Encompass specialty is their Universal Package Policy, they also provide Homeowners and Auto policies. For 25 years Encompass has worked with Independent Agents, like ours, and has enjoyed the respect of the agencies for their attention to service and claims response. Encompass is also a member of Trusted Choice. You can click below to visit their website for much more information regarding their products and the company.

Visit Encompass's Website

Workers Comp New Law & How to File an Exclusion Form


LawMany of you know that Delaware passed a new law that requires companies, including sole proprietors, in the construction and related industries to carry Workers Compensation insurance. Under certain circumstances you can elect to be excluded from this coverage requirement.

The link below will take you to the summary of the new law and frequently asked questions. Directions for filing an exclusion form is also provided. You may also call our office with any questions 302-654-8823 or email your question to us at

Work Comp New Law 7-16-07 Information

Teens off to college - Is their property covered?


Question MarkSending our children off to college means packing up clothes, school supplies, computers, stero equipment, iPods, TVs and even furniture - now for the question - "Is this property, away from the premises covered?"

Most Homeowner contracts read that coverage is extended to a temporary location for a limit of 10% of the insured contents limit of your insurance policy

As parents one of our concerns include how our teen will conduct themselves without our supervision regarding their driving while away at school. It is a heavy responsibility that we give to them and some parents have found it helpful to have a 'Driving Contract' between themselves and the young driver. We have provided a link to a sample contract for your review. Please feel free to print, use it and modify it to make a workable contract for your family.

PS: If your child is away at school more than 100 miles and are not taking a car with them, please let us know. Many companies will adjust your auto policy for the teen being out of the household for 9 months of the year.

Teen Driving Contract

Privacy Notice


This notice will also serve as your annual Privacy Notice that we are required to send each year by Federal regulation. The notice is available on our website at or you may call our office 302-654-8823 to request one be mailed to you.

Full Privacy Notice...

Our Website


We are very proud of the information provided, service that is available and links ready for your use on our website. We hope you will visit it and feel free to offer any suggestions and/or complaints and compliments.

Click here to go to our website


Contact Information

phone: 302-654-8823

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Allen Insurance Group | 410 Delaware Ave | Wilmington | DE | 19801