Personal Insurance FAQs
Check out our FAQs to start seeing the many benefits of working with D.L. Barton Insurance Agency. Of course if you still have a question that we didn’t answer here, feel free to call us. We’d love to chat with you!
Why should I use D.L. Barton Insurance Agency?
Buying insurance is relatively easy in today’s market. You probably have even seen an insurance ad or two today that promises you significant savings if you switch to them. But do your homework before jumping on an attractive online offer that knows nothing about your life situations. There are some pretty big benefits you might be giving up. So why should you choose D.L. Barton Insurance Agency over the company that has a celebrity-endorsed insurance ad?
First, D.L. Barton Insurance Agency is an independent insurance agency. We’re not selling just one insurance company’s products. We don’t just do business online or over the phone. We represent an average of eight top-rated insurance companies and research the plans from these firms to find you the best combination of price, coverage and service.
Second, we’re part of your community. Debby Barker grew up in this town. You’ll see many of us giving back to our community by supporting local youth through sponsorships of school and community athletic events. We also support Hope House which helps provide shleter and food to the homeless. We’re not just a faceless call center. We’re people you know. We’ll sit down face-to-face to talk about what you need and we get to know you. So when life changes or you have a claim you need help with, we’re here for you and will provide you with options and insight on the best products for you.
What do I do if I have a claim?
D.L. Barton Insurance Agency makes filing a claim super easy. Call our office at 937-748-1410 during normal business hours and we’ll walk you through the process. If you need to report a claim after business hours, you may also contact your insurance carrier’s 24-hour claims service. Still let us know about your claim though, so we can make sure it is resolved as smoothly as possible.
Should I review my insurance with you every year?
A yearly insurance checkup is always a good idea (plus, we love seeing you). At the very least, if you’re going through any big time changes in life—you’re moving to a new house, you’ve had change in marital status, you’re expecting a new baby or you’re thinking about retiring—we should sit down, talk and review your options.
Am I covered when I volunteer?
You are a volunteer soccer coach, a 4-H advisor, a chamber of commerce committee member, on the church board, or you helped raise contributions for the last United Way campaign. Perhaps you have volunteered hundreds of hours this year without a thought of insurance coverage. If someone is injured, who pays for any legal action brought against you in these volunteer activities? If you serve as a board member and are sued for breach of duty, imprudent investments, discrimination in hiring or wrongful termination, are you covered? To answer these questions, there are two places to check: your home insurance and the organization’s insurance. Let’s look at them:
Your homeowners insurance policy gives you liability protection for bodily injury and property damage to others in non-business activities, like a child who is injured when you are the volunteer soccer coach or 4-H advisor. On the other hand, no protection is provided if your volunteer activity is related to a business (chamber volunteer, union, trade or professional association representative, etc.) or if you receive any compensation. Any legal action other than bodily injury and property damage is not covered (an exception: some homeowners policies cover personal injury — libel, slander, false arrest, false imprisonment, etc.).
Also check for coverage under the organization’s policy. Ask the organization leadership for proof of insurance for general liability, directors and officers liability, and employment practices liability. Also check to see if volunteers are covered (named as additional insureds) under those policies. Some other potential loss situations could include:
Failure to examine documents signed
Silence with respect to improper conduct of fellow officials
Improper rejection of bids
Failure to exercise diligence in management
Incurring unnecessary expenses
Communities are fortunate to have so many volunteers donating their time in a host of different areas. This discussion is not meant to discourage any present or prospective volunteers. Rather, our intent is to help individuals be well-informed, comfortable and adequately protected when it comes to volunteering.