Bulding Kentucky Small Business Goals The importance of a Mission Statement

Thanks for asking

I received an inquiry from a college student in Colorado who works part time at a property casualty agency. He asked several questions about our mission statement.
With permission, I'll share the questions and my opinions and answers.

Here is our Kentucky insurance agent mission statement

Charlie Pinson Insurance is a service-oriented agency driven by sales excellence through client and vendor relations. Based in Pikeville Ky, our market area includes Kentucky and West Virginia. Our multi-line focus includes Commercial and Personal lines, with an emphasis on Kentucky health insurance.

As a family owned business, we believe in a family friendly work environment.
It is our goal to provide clients with the service they deserve and products to fulfill their needs. People make the difference at Charlie Pinson Insurance.

Here's the questions

• 1. Did you have a collaborative team to help you develop a mission statement? If so how was that team chosen?Yes, our statement was a collaborative effort. We established our goals of what we wanted to say; then assigned our copy writer (that's me) the task of sewing the patchwork of ideas together. Like your "scratch" start-up agency, we are small. It was a no-brainer to include all personnel.



• 2. What were some of the steps you used to arrive at your mission statement?First, we established WHY we even needed a mission statement. Our goal was and is, to define our identity for our clients as well as our carriers. Secondly, we were at a defining moment in our growth. Did we want to grow, or did we want to keep the status-quo? We opted for growth; but underlined the paths that had brought us success.



• 3. How long did this process take?We hammered this out in about a week. However, from time to time we revisit our mission statement. New products, new employees, and changes in the market influence who we are and who we strive to be.



• 4. What would you do differently in the process?Not a thing. We sat down and got it down. Don't over think. Don't get bogged down in committee. Put it in writing, and put it out there. It's not written in stone. Change is inevitable.



• 5. Do you feel like your employees are living the mission and vision of your agency? We continually strive to find balance between "service-oriented" and "sales excellence." We are getting there. We always focus on family, and clients.
  
  Our defining statement, "People make the difference at Charlie Pinson" reflects a two-fold philosophy. We believe our staff is one of the best in Kentucky. We also believe our customers are not a policy number. So even though we do business on the internet, as well as in a brick and mortar location, our message is Kentucky people helping Kentucky people. That is what we are all about. So yes, we live the mission and we live the brand.

For my collegiate pen pal in Colorado, I hoped this helped. You may want to check out Troy Korsgaden's "Power Position your Agency." For insurance agents, I think it is one of the best resources for attracting, building, and retaining business. At the moment, my copy is at the house. However, if memory serves Troy had a great section on developing mission statements. I wish you well in your endeavours.

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Joyce Pinson is a Kentucky Health Insurance Agent. With a background in Agricultural Economics, Public Relations, and Marketing she wears many hats (most of them cute) at Charlie Pinson Insurance Agency and it's sister Kentucky Health Insurance Agency, Triple B Insurance.

Kentucky Insurance Agent's Musing the Market

Weathering the Soft Market

Just so we are clear on this, I am a big Louisville Kentucky Derby Fan. I would rather be talking about Kentucky Derby than Kentucky Insurance this week. To solve this conflict, I blogged about the Derby over at Charlie's Kentucky Sports Blog.

So what about this soft market?

National Underwriter  reported yesterday that the soft market could change quicker than expected. In talking with several of our insurance reps, we hear rumors the rates may begin going up again by fall. If one of the big three companies announces rate hikes, the others usually follow.

Being an established Kentucky Insurance agency, we have seen the market go through its cycles. We do not worry like we once did; it's like the weather in Kentucky. If you don't like it today; it will be different tomorrow! LOL

For young agents, soft markets can be tough. Have determination. Make a plan for success and hang in there. Eventually, the pendulum will swing back.

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On the week before Kentucky Derby, it's really hard to concentrate on Kentucky Insurance. Please give me credit for making the effort. If you need a Kentucky Insurance Agent, check out our agency at www.pinsoninsurance.com

Kentucky Motorcycle safety awareness April 21-May 2

Kentucky Transportation Cabinet
Office of Public Affairs 502-564-3419

For Immediate Release
Media contact: Chuck Wolfe Chuck.Wolfe@ky.gov
Robin Jenkins Robin.Jenkins@ky.gov

Kentucky Motorcyclists and motorists encouraged to 'share the road'

FRANKFORT, Ky. (April 18, 2008) — Motorcycle fatalities have doubled since 2003, and Kentucky’s fatality rate is now second-highest in the nation. One of every nine U.S. road fatalities involves motorcycle riders. The steady increase in fatalities over the past decade represents one of the commonwealth’s greatest highway safety challenges.

To increase awareness and safer driving practices, the Kentucky Transportation Cabinet is promoting motorcycle safety April 21-May 2. All travelers are encouraged to “share the road,” be courteous, and stay alert during the busy summer travel season.

“With warmer weather here, more motorcycles are back on the roads. Drivers of all vehicles need to be extra cautious,” said Secretary of Transportation Joe Prather. “Motorcyclists can be difficult to see, so it’s important that we all follow the rules of the road and stay alert.”

Motorcyclists are far more vulnerable to death or serious injury than motor vehicle passengers in the event of a crash. Research shows that approximately 80 percent of motorcycle crashes injure or kill a motorcycle rider, while only 20 percent of passenger car occupants are injured or killed. In fact, in terms of vehicle miles traveled, motorcyclists are 35 times more likely than passenger car occupants to die in a motor vehicle traffic crash.

Safe driving tips:

• Remember to allow a motorcyclist the full lane width. Although it may seem as though there is enough room in a traffic lane for both an automobile and a motorcycle, the motorcycle needs the full room to maneuver safely —never try to share a lane;



• Always signal your intentions before changing lanes or merging with traffic;



• Remember that motorcyclists are often hidden in a vehicle’s blind spot or missed in a quick look due to their smaller size. Always make a visual check for motorcycles by checking mirrors and blind spots before entering or leaving a lane of traffic or proceeding at intersections.



• Be aware that motorcycle signals usually are not self-canceling and riders sometimes forget to turn them off. Wait to be sure the motorcycle is going to turn before you proceed.



• Remember that road conditions which are minor annoyances to passenger vehicles pose major hazards to motor¬cyclists. Be aware that motorcyclists may need to change speed or adjust their position within a lane suddenly in reaction to road and traffic conditions such as potholes, gravel, wet or slippery surfaces, pavement seams, railroad crossings, and grooved pavement.



• Allow more following distance, three or four seconds, when following a motorcycle so the motorcyclist has enough time to maneuver or stop in an emergency. And don’t tailgate. In dry conditions, motorcycles can stop more quickly than cars.



• Follow the rules of the road, be alert to other vehicles, and always wear your seat belt or DOT-compliant helmets and protective gear.

“Our message to all drivers is clear,” Prather said. “Make this the first year in recent years when motorcycle fatalities do not increase. Help to share in the responsibility and do your part to share the road with everyone.”

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Save the Delta Queen Tomorrows Great Steamboat Race may be her last!

If you read my blog about theDelta Queen receiving an award this year, you know how much the Delta Queen means to me. Her appearances along the Ohio River communities are something to be treasured and protected. Encourage your representatives and senators to petition for her exemption from upcoming legislation. Otherwise, when the Delta Queen steams out of Louisville tomorrow night, amongst a huge fireworks display...it may be the last time the old girl will compete for the Golden Antlers. That is just too sad!

Delta Queen to be Feted on Steamboat Race Day

By: KDF Press Office
Posted: 4/2/2008 9:00:44 AM

The Kentucky Derby Festival is pleased to announce some special activities to celebrate what could be the Delta Queen’s last year to take part in the Kentucky Derby Festival Great Steamboat Race. The Delta Queen, based out of the port of Cincinnati, is in jeopardy of losing its exemption to make overnight passenger cruises and thus would not be able to participate in future Great Steamboat Races unless another exemption is granted by this November. The Delta Queen raced the hometown Belle of Louisville in the inaugural Great Steamboat Race in 1963 and has been a contestant almost every year since. To help commemorate the heritage of this historic vessel, the Derby Festival has planned the following activities on Great Steamboat Race Day, Wednesday, April 30:

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A “Tea With the Queen” party will be held from 2 p.m. to 5 p.m. at the Chow Wagon at Kroger’s Fest-a-Ville on the Waterfront. This family-oriented event will feature appearances by several former Kentucky Derby Festival Queens, dating back to 1957. They will be on hand to meet and greet the public and assist children with decorating tiaras and coronets that will be given out. A variety of refreshments will be served, including tea, punch, cookies and other finger foods. Derby Festival mascots Peggy and Gus will also be part of the festivities. Families may have their picture taken in front of the Delta Queen.

A Calliope Contest between the Belle of Louisville and the Delta Queen will be held at 3 p.m. along the East Wharf on Louisville’s waterfront. The musical contest, featuring traditional tunes played on the boats’ steam whistles, will be judged by Louisville native Patrick Henry Hughes, a local celebrity since appearing on ABC’s “Extreme Makeover: Home Edition,” this spring.

The Great Steamboat Race Awards Ceremony will take place on the main stage at the Chow Wagon, beginning at approximately 7 p.m. The captain and crew of the winning vessel will receive the Golden Antlers and various dignitaries will make remarks. The winner of the Calliope Contest will receive an award created by Louisville Stoneware, presented by Patrick Henry Hughes.

A Mardi Gras party to celebrate the Delta Queen’s river heritage will take place at the Chow Wagon from 7 p.m. to 11 p.m. Zydeco Bon will provide musical entertainment and Mardi Gras-style beads will be distributed.

A fireworks show at 10 p.m. will accompany the Delta Queen’s departure from the wharf as she heads upriver to Cincinnati. All of the aforementioned Great Steamboat Race activities are free with a 2008 Pegasus Pin.

The Great Steamboat Race starts at the Clark Memorial Bridge and proceeds upriver to Six Mile Island before returning to the bridge for the finish. The 14-mile route takes about 1 ¼ - 1 ½ hours. The Belle of Louisville leads the annual racing series on the Ohio River to 22 to 19.

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Joyce Pinson, that's me, grew up along the Ohio River and spent many summer days watching the Delta Queen steam by. It would be a terribly shame to loose the legacy of the Queen. She is an important part of our Kentucky history.

Eleven Die On Kentucky Roadways Last Week (Apr. 14 through Apr. 20)

Kentucky State Police Media Contact S. Bray 502.695.6353

Date of News Release: 04/21/08

(FRANKFORT, Ky.) - Preliminary statistics* indicate that eleven people died in ten separate crashes on Kentucky's roadways from Monday, Apr. 14 through Sunday, Apr. 20, 2008.

Nine of the fatalities were traveling in motor vehicles. Six of the victims were not wearing seat belts.

One fatality involved a motorcycle that occurred in Hardin county. The motorcyclist was exiting the Natcher Parkway onto southbound I-65 when he lost control of his Harley Davidson motorcycle with sidecar. After the motorcycle lost control, it struck a semi-truck before coming to a rest. Those on the motorcycle included a man, his son and the man's girlfriend. The man and his son walked away uninjured but the woman was killed in the crash. None of the victims were wearing helmets.

A fatal ATV crash occurred in Warren county and the driver was not wearing a helmet.

Single-fatality crashes occurred in Bracken, Carter, Graves, Leslie, Lyon, Warren and Whitley counties. A double-fatality crash occurred on KY 210 in Taylor county.

The fatality in Bracken county was the result of a motor vehicle collision with a railroad train on Mary Ingles Highway in Mt. Olivet.

Through April 20, preliminary statistics* indicate that 209 people have lost their lives on Kentucky roadways during 2008. This is 17 fewer than reported for this time period in 2007. Of the 175 motor vehicle fatalities, 115 victims were not wearing seat belts. Of the 13 motorcycle fatalities, eight were not wearing helmets. Twenty pedestrians have been killed. A total of 43 fatalities have resulted from crashes involving the suspected use of alcohol.

Citizens can contribute to Kentucky highway safety by reporting erratic drivers to the Kentucky State Police toll-free at 1-800-222-5555. Callers will remain anonymous and should give a description of the vehicle, location, direction of travel and license number if possible.

*These statistics are still preliminary as KSP waits for all local law enforcement agencies throughout the state to report any crashes and fatalities that may have occurred in their areas.

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As a Kentucky independent insurance agency, Charlie Pinson Insurance KY represents a number of carriers including Progressive, Safeco, AIG, Hartford, Farmers, Travellers and more. Click for Kentucky Auto Insurance Quotes.

Buying New Car? Think about Kentucky Insurance Costs before you buy

Cutting New Car Costs in KY

(NAPS)—One way to avoid sticker shock or buyer’s remorse when purchasing a new car is to consider expenses you may encounter down the road. For instance, experts say that while most people anticipate the purchase price, taxes and registration fees associated with a vehicle, many forget that the Kentucky Insurance they need to protect their vehicle could come with a hefty price tag. Fortunately, there are ways to keep insurance costs down while maintaining the type and amount of coverage a new car typically requires.

To help consumers control car costs from sticker price to Kentucky insurance premiums—The Progressive Group of Insurance Companies and Charlie Pinson Insurance KY offers these tips:

• Decide ahead of time how much money you can spend and what type of vehicle best suits your needs.


• Research crash test and accident data. You can see crash test video and analysis from the Insurance Institute for Highway Safety online or at progressive.com.


• Check with several dealerships and get firm quotes in writing. Having quotes from several places can help you negotiate your best deal.


• Shop around for financing. Rates vary between institutions.

Kentucky Insurance Costs

Before you buy a car, you should check into how much it would cost to insure. Try talking with a Kentucky independent insurance agent—it may save you some money. Unlike “captive” agents who represent only one company, Kentucky independent agents and brokers offer products from many different Kentucky insurance companies. That means more choice and more opportunities for you to find the best coverage and service at the right price.

Here are a few questions to ask a Kentucky independent insurance agent or broker.

• Can I get any discounts for my car’s safety features? Your Kentucky auto insurance premium is based in part on the car’s value, the cost to repair it, its overall safety record and the likelihood of theft. Many insurers offer discounts for safety features that reduce the risk of injuries or theft.


• How does this KY insurance company handle claims? Price isn’t the only factor to consider. It’s a good idea to deal with a company that will be there for you when you need it around the clock.


• What coverage do I need? Your specific needs may vary by the age of the car, your personal situation and other factors.

Charlie Pinson Insurance KY will take time to answer your questions. Follow the link for a Kentucky Auto Insurance quote.

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With summer and Kentucky Derby season upon us, many people are shopping for new cars. Remember to factor in the costs of Kentucky Insurance when you are purchasing a new car. Prices for Kentucky car insurance vary by company. To shop multiple companies at one time select a Kentucky Independent Insurance Agency.

New Car for Graduation? Be a Smart Kentucky Consumer

Seven Shopping Strategies For New Car Buyers

Congratulations Kentucky Graduates!

New car shopping can be a lot of fun, especially if you’re a car enthusiast. But others can find the experience stressful and tedious. Either way, there’s a lot to think about. According to a survey of car shoppers, overall purchase price is the most important factor when shopping for a new car (46 percent), followed by make and model (31 percent).

Safety and performance come in a distant third, tied at seven percent. But whether you’re turned on or turned off by the dizzying array of car choices, trim options, “expert” reviews, incentives and other deals, it definitely pays to approach car buying strategically.

So if you’re in the market for a new vehicle and you find yourself having trouble keeping a clear head, just keep these strategies, courtesy of Charlie Pinson Insurance  in mind:

1. Decide how much money you can spend and what type of vehicle best suits your needs. Just looking for the basic transport capability of a small or medium sedan? Or do you need the hauling capacity of a van or SUV? Something practical? Something sporty? Something in between?

2. Research crash tests and accident data available from the Insurance Institute for Highway Safety.

3. Shop around for financing. If you can, apply for and get approval for a loan from a bank, credit union or other financier before you even visit the dealership. Being a “cash buyer” gives you an advantage when you do finally meet with the dealership’s financing person.

4. Test drive the car. Try to drive in conditions that will be similar to those under which you’ll drive every day.

5. Check pricing for your desired make and model at two or three dealerships and use that information to help you negotiate the best deal.

6. Get a firm quote, in writing. This should include not only the cost of the car, but any fees and the sales tax.

7. Inspect your new car carefully before driving off the lot. Make sure all the options you’ve ordered are included and that the body and paint are free of scratches or dents.

Finally, it’s important to consider the cost of Kentucky auto insurance, although it seems that few people realize that what they pay for insurance can add significantly to the vehicle’s total cost.

Wise car buyers know to shop around for Kentucky insurance and find out how costs compare. They also know to visit a Kentucky independent insurance agency – like Charlie Pinson Insurance.  We can check with several companies to find the best combination of coverage and price.

To get a Progressive quote with Charlie Pinson Insurance, visitwww.pinsoninsurance.com

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Charlie Pinson Insurance is a Kentucky independent insurance agency representing many Kentucky Car Insurance companies including Progressive Insurance. In addition to online  Kentucky Auto Insurance Quotes consumer education, claims contacts, and agency profiles are available. New college graduates might also need Kentucky Short Term Health Insurance when coming off a parents policy, or awaiting benefits from a new employer.

KY Insurance Agency salutes our Secretary Heather Stiltner

Happy Secretary Day!

As a Kentucky independent insurance agency,  we get dozens and dozens of calls a day. Figuring out what the client needs, and getting them to the right person is not always an easy task....even in a small agency like ours.

Thank goodness for Heather Stiltner! She is the voice of Charlie Pinson Insurance, when you call our office. Heather can get your insurance quote started, check on your bill, and tell you how to get here. Not only that, but she sings while she works! You gotta love that!

So Healther, keeper of the gate, queen of data entry, and melodious voice behind our phone...we salute you! Thanks for all you do! Happy Secretary's day!

Heather Stiltner is a graduate of Shelby Valley High School. When she is not working in our Kentucky insurance office, she sings with a group called "Downtown Groove." Click to send Heather a Kentucky Auto Insurance Quote request.

News Flash! Liberty Mutual Insurance Group to buy Safeco Insurance

6.2 Billion Dollar Deal

It's official. Liberty Mutual Insurance Group is poised to buy Safeco Insurance. Safeco's Kentucky insurance agents received the communique this morning from corporate headquarters in Seattle.

What's that mean to Kentucky Safeco policyholders?

Well, according to the Safeco press release, "the Safeco name and brand will continue." Liberty Mutual is very strong in the eastern United States, and Safeco is strong on the west coast. A few years back, Liberty Mutual bought Ohio Casualty Insurance.

For details on the story check out Insurance Journal.

A Kentucky Safeco Auto Insurance agent, Charlie Pinson offers Kentucky Car Insurance quotes  online.

So you like Classic Cars?

Lexington KY Children’s Hospital Benefits from Concours

Media Contact: Mary Margaret Colliver, (859) 361-1887

LEXINGTON, KY (April 22, 2008) – An announcement was made today at the Mansion at Griffin Gate in Lexington that the Fifth Annual Keeneland Concours d’Elegance will be held July 17-20, 2008. The classic car show will be held at Keeneland Race Course in Lexington July 19. A special presentation was made to UK HealthCare’s Kentucky Children’s Hospital of $25,000 from last years Concours d’Elegance.

“It is our hope and our goal that the Concours d’Elegance provides everyone with a unique experience—a mix of art, flair, design, sounds and—of course—a cause,” said event chairman Tom Jones. “There are many reasons to be excited about the 2008 Concours, and we are looking forward to hosting another outstanding weekend in the Bluegrass. It’s a delight to enjoy your passion and be able to do good works for the community, especially the Kentucky Children’s Hospital. The people at Kentucky Children's Hospital who make that happen day in and day out are the real heroes in this grand scheme of things.”

“We are so pleased to be able to bring this event to the Bluegrass,” said event co-chair Connie Jones. “It has proven to be a fun and exciting weekend for all ages. Even children love the classic automobiles. It has been our goal for the last four years to raise funds for the Kentucky Children’s Hospital, a very important and needed organization across Kentucky. It also is important to Tom and me to showcase our beautiful state.”

“The Concours board and their many supporters are extraordinary professionals and community leaders who make great contributions to the Bluegrass State in their daily work,” said Dr. Tim Bricker, professor and chairman of pediatrics, UK College of Medicine, and physician-in-chief of Kentucky Children’s Hospital.” In addition to those responsibilities, they put their skills and energy together to organize and run the Keeneland Concours. The energy and drive of the board and supporters comes from their dedication to this community and our Kentucky Children’s Hospital. We are honored to have their support.”

In 2006, fortifying their commitment to Kentucky Children’s Hospital, the Keeneland Concours d’Elegance Board chose to create an endowment for neonatal research. Dr. Henrietta Bada, professor of pediatrics, UK College of Medicine and chief of the division of neonatology at Kentucky Children’s Hospital, leads the endowment research.

Keeneland is widely known for its Thoroughbred horsepower. But a different kind of horsepower is making quite a name for itself on the grounds of the legendary race course.

One hundred extravagant automobiles will be showcased on the historic racing grounds of Keeneland, drawing car enthusiasts from around the country to the fifth annual Concours d'Elegance.

Concours d’Elegance, a “gathering of elegance,” originated in Paris during the 1920s. The Concours quickly became not only an event for automobile manufacturers to parade the latest edition of extravagant automobiles, but also a spot for fashion designers to showcase the latest styles.

This year's event will feature Cadillac as the guest marque. As in previous years, 100 nationally and internationally acclaimed Concours automobiles will be judged to receive the coveted trophy sponsored by horse farms throughout the region. Cars exhibited at the event fall into one of 13 judged categories.

Although this four-day event is best known for the Saturday Concours d’Elegance and its magnificent display of automobiles, additional events and activities provide visitors and participants a taste of Kentucky's art, culture and elegance.

Event activities include:

• Bourbon Tour (Thursday, July 17)An exclusive tour of a renowned distillery conducted by the master distiller will feature bourbon sampling from selected barrels. The catered lunch and round-table discussion with the experts will give participants inside information about the history and production of Kentucky's favorite libation. Registration is limited.


• Black Tie Gala (Friday, July 18) "Great Gatsby" themed party held in the private dining rooms of Keeneland which overlook the historic track and paddock. The "Cadillac of Galas" includes a cocktail reception, fine dining and dancing to the Jay Flippin Orchestra. $200 per person. 6:30 p.m. to midnight.


• Keeneland Concours d'Elegance (Saturday, July 19)
  Concours automobiles featuring Cadillac, historic General Motors Heritage Collection display, special exhibits, and hundreds of cars in the Car Club Paddock. Included will be automotive art, a silent auction, and unique shopping. $15/person, under 12 free. $10 for Collector's event program. 9 a.m. to 4:30 p.m. Awards presentation is at 3 p.m.


• Hangar Bash (Saturday evening, July 19)Aviation Museum of Kentucky, Bluegrass Airfield from 5 to 8 p.m. Casual setting for food, drink and music. Concours automobiles and vintage motorcycles share the spotlight with modern and vintage planes. Special feature will be a WWII Bomber fly-over. $25/person.


• Tour d’Elegance (Sunday, July 20) Keeneland Race Course at 9:00 a.m. The ever popular tour features a 75-mile drive through the beautiful Bluegrass with a stop at a legendary horse farm and visit to Shaker Village of Pleasant Hill where participants are served a catered lunch and can leisurely tour the restored 1800s Shaker settlement. $200/car with 2 people; $75/extra passenger.

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Kentucky Auto Insurance agent, Mark Frantom,  is especially interested in Classic Cars and dreams of owning his own 1964 1/2 Mustang Convertible. For your family car insurance check our Kentucky Auto Insurance Quotes online.

Women's Health Month in Kentucky UK Center for Advancement of Women's Health

Media Contact: Ann Blackford, (859) 323-6363, x230

LEXINGTON, Ky. (April 18, 2008) − In recognition of April as Women's Health Month, Kentucky women are encouraged to sign up for the Women's Health Registry at the University of Kentucky's Center for the Advancement of Women's Health.

The Kentucky House of Representatives signed Resolution 216 to dedicate the month of April to improving the health and well-being of women in Kentucky.

The Women's Health Registry, an initiative of UK's Center for the Advancement of Women's Health, is the only state-wide health registry of its kind in the nation. Participation is simple, unintrusive and confidential, yet the potential benefits for a better understanding of women's health needs are immeasurable.

The registry opened March 1, 2006. Since that time, over 5,000 Kentucky women between ages 18-89 have completed either a paper or online survey about their health. The registry asks questions about a variety of topics including demographics, education, physical and mental well-being. The information helps researchers interested in women's health to better understand how things such as stress and family history influence women's health. The registry also provides a link between interested women and research studies they may qualify for.

Mary Johnson, clinical research administrator and coordinator of the Women's Health Registry, said that the registry needs women of all descriptions and that each woman represents thousands of other women that are just like her. "Each survey year will provide a snapshot of the health and circumstances of the women in the registry. They provide current life information that over time will create a panoramic view of their health and lives that will help all the women that are growing up behind them."

Participation does not require a woman to physically come to UK. Filling out the questionnaire can be done in the comfort of a woman's home or any where she has access to a computer. The questionnaire can also be filled out by hand and mailed to UK if that is preferable. Providing one's health information is an easy way for women to be proactive in their own health care.

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Posted by Joyce Pinson, Kentucky Health Insurance Agent. Click for Kentucky Health Insurance Quotes  for Individuals and Families. Kentucky Short Term Medical insurance is also available. Visit our main website at Kentucky Online Insurance Quotes  or visit our Lexington KY Insurance page

What we're reading today Earth Day 2008

Here it is Earth Day again, and we find ourselves asking "What are we doing better to help the environment?" Can "going green" really make a difference? We surely hope so.

Here's what Charlie Pinson Insurance KY is doing:

• Excess paper shredded and sent out for recycling


• Enhanced computer technology allowing for "transactional filing" paperless files


• Employees use real ceramic coffee cups reducing waste from Styrofoam cups


• Re-use packing materials for shipping


• Saving coffee grounds for rose bushes and blueberry bushes as mulching fertilizer


• Use rechargeable batteries for digital camera, pagers, pda's etc

Here's what we are reading today about "Going Green"

• Getting ready to buy a new car? Check out Green Vehicle Guide. (Don't forget to get a Kentucky Auto Insurance Quote  too!)



• Wondering what you can do? Check out Louisville KY Magazine Green Article  for lots of cool tips.



• The Kentucky Clean Fuels Coalition has several interesting articles about alternate energy sources.



• Last month's news release from Travelers Insurance regarding green commercial property coverages.



• With Progressive Insurance now touting the Cleveland Indians baseball Progressive Field, and Safeco Insurance pairing with the Seattle Mariners Safeco Field we wondered about sports venues going green. Check out the EPA article.

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Joyce Pinson (that's me!),is a Kentucky health insurance agent, who will be planting trees on Saturday. Our Kentucky insurance agency represents a number of companies including Progressive Insurance and Safeco Insurance. Click here for a Kentucky Car Insurance Quote  or here for a Kentucky Health Insurance Quote.

Travelers Commercial Property Coverage Goes Green

New Endorsement Supports Travelers Efforts to Encourage Environmentally Responsible Behavior

HARTFORD, Conn.--(BUSINESS WIRE)--March 17, 2008--In support of the growing trend toward more efficient and environmentally friendly building practices, Travelers (NYSE:TRV) Commercial Property Division today launched its Green Building Coverage Enhancements for mid-sized businesses. An endorsement to the standard Deluxe Property Coverage, this new product highlights Travelers' ability to keep pace with the evolving sustainable building practices.

"Travelers is pleased to note that a number of federal, state and local agencies across the country are instituting programs that encourage, or require, environmentally friendly building practices," said Rich Waskiewicz, senior vice president, Travelers Property. "Today's announcement supports those efforts and our company-wide initiatives to encourage environmentally responsible behavior."
Travelers' Green Building Coverage Enhancements for mid-sized businesses promote the use of environmentally friendly building materials as replacement components following a covered cause or type of loss. Travelers' Deluxe Property forms are amended to provide the following additional coverages:

• Green Building Alternatives - Increased Cost


• Green Buildings Reengineering and Recertification Expense


• Vegetative Roofs


• Green Building Alternatives - Increased Period of Restoration

"Travelers believes that commercial property owners who embrace 'green' technologies are likely to be more risk management-minded, practicing greater care in building maintenance and operation," said Michael Klein, president of commercial accounts, Travelers. "We are excited to introduce this new product, supporting our middle market customers who implement environmentally friendly initiatives."
For more information on the new coverage enhancements from the Travelers Commercial Property Division, call your local Travelers Commercial Accounts office.

About Travelers

Travelers understands that life and business are inherently dynamic and that the best way to serve agents, brokers and policyholders is to deliver insurance that evolves to stay in-synch with life and business as they change. For more information on being in-synch, visit www.travelers.com.

The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company's diverse business lines offer its global customers a wide range of coverage in both the personal and commercial settings, including automobile, homeowners, construction, small business, oil and gas, ocean marine, surety and management liability, global technology and public sector services. Travelers is a Fortune 100 company, with 2007 revenues of $26 billion and total assets of $115 billion. The company has approximately 33,000 employees.

The content of this release is only for the informational use of the reader. In no event will Travelers or any of its affiliates be liable in contract or in tort to anyone who has access to this information for the accuracy or completeness of the information relied upon in the preparation of this release. Additionally, information contained herein does not constitute and shall not be construed to reflect the adoption of any coverage position by Travelers or any of its affiliates in connection with any of the topics or considerations set forth herein.

CONTACT: The Travelers Companies, Inc.
Media Contact:
Jeffrey Weir, 860-277-8692
jsweir@travelers.com
SOURCE: The Travelers Companies, Inc.

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Charlie Pinson Insurance is a Kentucky Independent Insurance Agency representing many insurers including Travelers Insurance. Working with many Kentucky small businesses, the agency offers products including Kentucky Workers Compensation, BOP Business Owners Policies, and Commercial Kentucky Auto Insurance. Through sister agency, Triple B Insurance, our Kentucky health insurance agents offer group health insurance and employee benefits.

Kentucky Earthquakes Keeping Kids Safe and Informed

Here are some pretty good resources you might like to share with your kids. When I was in school (back when the IBM selectric typewriters were state of the art) we drilled and drilled for fire safety, tornado safety, and even nuclear disaster. I never once remember drilling for earthquake readiness. My! How times have changed!

Ky Safe Schools-Duck Cover and Hold

Tips for Pet Owners



Instructions to protect Infants and Toddlers, Pre-school and school age kids THIS ONE IS REALLY GOOD!

Children and Earthquakes


Family Earthquake Safety Plan from Foremost Insurance

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Joyce Pinson, that's me, is a Kentucky Health Insurance Agent. Nephew Jacob is an inquisitive six year old who asks more questions than I can answer. Hope this helps some of you with your kids. Jacob comes to the office pretty regular, but he is not a licensed Kentucky Insurance Agent! HA Click the link if you need a Kentucky Insurance Quote

Earthquakes felt in Lexington KY You Gotta Be Kidding Me

Do we all need Kentucky Earthquake Insurance?

I already blogged on Friday about Kentucky earthquake preparedness,  and I blogged this morning about sources of information for Kentucky Earthquake Insurance. But I focused on Louisville and Western Kentucky, with a mention of folks along the Ohio River in Northern Kentucky. However a few reports are drizzling in from Lexington Ky for today.

Central United States Earthquake Consortium offers up to date Kentucky Earthquake Information

Lexington KY Earthquake Headlines

Kentucky Kernel-Earthquake Rattles Kentucky

WKYT Lexington-Another Aftershock Rocks the Region

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Isn't this crazy? Feel free to post your questions about Kentucky Earthquake Insurance. One of our Kentucky insurance agents will reply. Visit our websiteKentucky Insurance quotes

More about Kentucky Earthquake Insurance

If you did not catch my post on Friday, I will re post a few Kentucky Earthquake Insurance sources. Refer to my Friday blog for Kentucky Earthquake preparedness tips. It was kind of scary to wake up with a phone call from Mom telling me there were tremors in Kentucky's Golden Triangle! So here's a few links to Kentucky Earthquake insurance and information sources.

Kentucky Earthquake Insurance Information

KY Division of Emergency Management-Kentucky Earthquake Insurance

Insurance Information Institute-Earthquakes Risk and Insurance

UK College of Agriculture-What you need to Know about Kentucky Earthquake Insurance

Louisville KY and Western KY

Business First-Louisville homes should be insured for Earthquakes

Louisville KY Courier Journal-Louisville considered at relatively low risk

Louisville KY Government-Councilman inspects damage in Old Louisville

Business First-On shaky ground ...New Madrid Fault Louisville KY

Courier Press-Policies cover quakes but claims unlikely

If you have questions about Kentucky Earthquake Insurance please feel free to post them here. One of our Kentucky Insurance agents will reply. Charlie Pinson Insurance is a Kentucky independent insurance agent doing business throughout the Commonwealth for over ten years. Click for Kentucky Insurance quotes and information

US Allergy Capital Lexington KY

Surviving Spring in the U.S. Allergy Capital

Media Contact: Keith Hautala, (859) 257-1754, x231 From University of Kentucky News-Lexington KY

LEXINGTON, Ky. (April 14, 2008) − It's hard to imagine a more beautiful place than the Bluegrass in spring, as the dogwoods, redbuds, tulip magnolias and flowering plums burst forth in spectacular displays of color. But for allergy sufferers, the blooms herald the onset of pollen season: three months of sniffling, sneezing, itchy, red-eyed misery.

This year, Lexington has the dubious honor of being in the No. 1 spot on a list of "Spring Allergy Capitals," released last week by the Asthma and Allergy Foundation of America. Lexington jumped from No. 52 last year, but it has topped the list once before, in 2005.

The list, now in its sixth year of publication, ranks the 100 most populous metropolitan areas in the United States, with those near the top deemed "the most challenging places to live with spring allergies." Rankings are determined by a composite score based on pollen score, medication use and allergist-to-patient ratio.

The pollen scores for each city are calculated by assessing the airborne concentrations of more than 40 different types of pollen during the months of March, April and May, and assigning each a relative weight corresponding to the proportion of the local population with a known sensitivity to that specific type. This gives a more accurate picture of local allergy problems than a raw pollen count, said Mike Tringale, a spokesman for AAFA.

Lexington's pollen score this year, based on data collected last spring, was in the 98th percentile, meaning it was higher than 98 percent of all scores. The previous year's score was closer to the middle of the pack, in the 54th percentile. Since pollen counts vary from year to year, a high ranking on this year's list does not give any indication whether this year's allergy season will be worse than any other, Tringale said.

Helping to push Lexington to the top of the list were the high number of medications used per patient (3.4, compared to a list-city average of 2.5) and low number of board-certified allergists per patient (2.8 for every 10,000 patients, compared to an average of 4.1).

Dr. Beth Miller, associate professor at the University of Kentucky College of Medicine and director of the UK HealthCare Asthma, Allergy and Sinus Clinic, says there are plenty of things allergy sufferers can do to make spring more bearable, with avoidance being the strategy she recommends above all others.

"If you know what's making you sick, staying away from it is obviously a good idea," Miller said. "So, keep windows closed, both in the car and at home. Shower after working outdoors, and stay indoors as much as possible on heavy pollen days."

For patients who have symptoms even while practicing avoidance, medical management is the next step. Miller says many patients tend to overmedicate – or to not take the most effective medication for their particular symptoms – so the first step she recommends is consulting a board-certified allergist.

"Your doctor can work with you to accurately define your specific allergens and develop an individual treatment plan," she said. "Some patients need minimal medication, while others require more aggressive therapy."

Immunotherapy, or allergy shots, often brings relief to patients who don't respond to medical management. The treatment consists of a series of injections given at frequent intervals (often once or twice a week to start), designed to reduce the body's sensitivity to specific allergic stimuli, Miller said.

Miller stressed that those with seasonal allergies need to realize that help is available, and to seek it out.

"Seasonal allergies are a serious illness that can really wreak havoc with quality of life," she said. "It isn't something I would recommend anybody tackle on their own. A good allergist doesn't just treat symptoms, but ultimately empowers patients to manage their own illness by teaching them how to exist comfortably in an environment that is hostile to their immune systems. Spring doesn't have to be a time of suffering."

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Ah-choo! Joyce Pinson, that's me, is a Kentucky health insurance agent who sneezes alot in the spring. Thank goodness I am only allegic to pollen and not horses! You can visit www.pinsoninsurance.com for Kentucky insurance quotes and information.

Come Join the Fun Pikeville KY Hillbilly Days

We're gonna go play

The world of Kentucky Insurance may march on; but this Kentucky insurance agent is ready for a little R & R. It's been a cold dreary winter, and the promise of a glorious mountain spring is literally shouting my name. Did I mention that plate of deep-battered fried oreos mounded high with powdered sugar calling to me?

I don't care if you call me a Hillbilly or not. I just don't. I was born up in the flatlands of Northern Kentucky, educated in the genteel Bluegrass region, and married a fine eastern Kentucky mountain man. I am just as comfortable in a pair of Charles David high heels, as my old cowboy boots. That's the beauty of being a Kentuckian, we have all kinds of choices and when it comes to regionalism, well I'm a little bit of all of them.

With all of that said, I'm signing off for the weekend. Charlie's family is in, including a toddler great nephew we need to spoil. The weather here in Pikeville is fabulous, with not a cloud in the sky. There's several venues for outdoor music around offering everything from Pop, Bluegrass, Christian Rock, and Folk melodies.
(Catch our receptionist Healther Stiltner at the East Ky Expo center plaza on Saturday around 2 PM...the "Downtown Groove")Of course, we'll have a spectacular (or spectacle...depending on your point of view) parade on Saturday, followed by a performance by Kansas at the East Ky Expo.

So I've blogged, the website is open 24/7, and we're gone Hillbillin'. Come on down and be with us!

Charlie Pinson Insurance will be CLOSED at 12:30 Today Friday. For Kentucky Insurance Quotes, Claims, and Information visit our Kentucky Insurance website.

Kentucky Earthquakes this Morning

Louisville KY Damages featured on Fox News

Mornings are never good for me. It takes tea, a good breakfast, and a shower to make me human enough to reply to the most basic of inquiries. When the phone rang at 6:30 this morning, it was all I could do to make my mouth form the words "Hello?"

It was my Mom who lives near the Ohio River, up in Kentucky's Golden Triangle. She reports that she was up this morning when the earth moved; but didn't feel anything. My aunt, who lives across the river in Indiana definitely felt the earth move, and not in a good way.Nevertheless, Mom and Aunt are fine...they just wanted to set my mind at ease.

Reports are still coming in from across several states. As I understand it, the epicenter was in Illinois. Now, I don't know much about earthquakes. And as for homeowners insurance, Charlie tells me earthquake damage is not automatically covered. Earthquake damage is generally covered by an additional rider.Click the Kentucky Division of Emergency Management Kentucky Earthquake Insurance page. Check with your local Kentucky independent insurance agent for more details.

Kentucky Earthquake Resources

Kentucky Division of Emergency Management

USGS Science for a changing world

The Kentucky Earthquake page

How to Prepare for Kentucky Earthquakes

KY Center for School Safety-Is your school ready Kentucky Earthquakes?

To keep updated on the latest Kentucky Earthquake news, listen to your local radio and television reports. National reports like the one on Fox news this morning offer an overview, but when it comes to your own safety local news sources are best.Here's a link to Louisville WAVE 3 covering Louisville KY Earthquake News.

Charlie Pinson Insurance does business throughout the Commonwealth of Kentucky. For Kentucky Insurance quotes and information Kentucky Insurance Quotes

Pikeville KY Small Town with Big Ideas

Hillbilly De-Lux
Pikeville Hillbilly Days in Full Throttle

Yesterday, they started arriving in downtown, swarming like bees to honey. Street vendors, exhibitors, and the Shriner Hillbilly Clans. The city parking structure was a bee hive of activity with locals and tourists vying for the best spots.

Today, the crowd started arriving early. At eleven, Main Street was crowded with folks looking for funnel cakes, lemonade, and fried oreos. Most local businesses are running with a tag-team crew. That is to say, Bubba goes to take a walk around town, while Billy Bob keeps the office open....then they switch places. That's what we are doing here at Charlie Pinson Insurance, except its Heather and I "manning" the office. Charlie is out frying fish at the Rotary booth on Main Street, and Mark has gone to his Kiwanis meeting. I'm thinking of hanging a sign on the door that says "Joyce Pinson Insurance" just for giggles.

In talking with folks over at the Pike County Chamber of Commerce, we are expecting to break last years attendance of 80,000 visitors. Y'all come and be a part of the fun down here in the mountains! (Hillbilly Days is second only to Louisville's Kentucky Derby Festival in attendance.)

Tomorrow, we will close the office down at lunch and join in the fun. If you are coming in for the weekend, the highlight of Hillbilly Days is the annual parade which is scheduled to start at 2 pm on Saturday afternoon along Hambley Blvd. Now, the parade is great, don't get me wrong but our receptionist Heather Stiltner moonlights with a band called "Downtown Groove." They are scheduled to perform at 2 PM in front of the Expo center. More about that tomorrow.

Want to see what's actually shakin' downtown? Check out the Hillbilly webcams at www.kywebcams.com. The camera featuring Hambley Blvd is located just behind our office, near the ninety nine stairs of Pikeville College.

Charlie Pinson Insurance Pikeville KY Office will close at 12:30 on Friday, April 18.
Our website at www.pinsoninsurance.com
will remain open for business.

Charlie Pinson Insurance is headquartered in Pikeville, Ky. We are proud of our mountain heritage and proud of the great strides of progress here in Pike County.We love the River City and Louisville's Derby, we love our Alma mater UK Lexington KY, but home is always where the heart is.

Six Die On Kentucky Roadways Last Week (Apr. 7 through Apr. 13)

KSP Highway Safety Branch

For More Information Contact:
Sherry Bray
KSP Highway Safety Branch Media Coordinator
(502) 695-6353 KSP Highway Safety Branch News Release


Date of News Release: 04/14/08

(FRANKFORT, Ky.) - Preliminary statistics* indicate that six people died in six separate crashes on Kentucky's roadways from Monday, Apr. 7 through Sunday, Apr. 13, 2008.

Five of the fatalities were traveling in motor vehicles. Four of the victims were not wearing seat belts. One fatality was a pedestrian. Two of the fatalities were the result of crashes involving alcohol.

Single-fatality crashes occurred in Garrard, Hopkins, Logan, Muhlenberg and Trimble counties. The pedestrian fatality was in Fayette County.

Through April 13, preliminary statistics* indicate that 195 people have lost their lives on Kentucky roadways during 2008. This is 18 fewer than reported for this time period in 2007. Of the 163 motor vehicle fatalities, 107 victims were not wearing seat belts. Of the 12 motorcycle fatalities, seven were not wearing helmets. Twenty pedestrians have been killed. A total of 43 fatalities have resulted from crashes involving the suspected use of alcohol.

Citizens can contribute to highway safety by reporting erratic drivers to the Kentucky State Police toll-free at 1-800-222-5555. Callers will remain anonymous and should give a description of the vehicle, location, direction of travel and license number if possible.

*These statistics are still preliminary as KSP waits for all local law enforcement agencies throughout the state to report any crashes and fatalities that may have occurred in their areas.

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Charlie Pinson Insurance KY encourages all drivers to drive defensively. Always wear seat belts. It saved my life....and maybe it could save yours too!

Hillbilly Days 2008 April 17-19 Pikeville KY

Bringing the Family Home

Laugh at the name all you want, Pikeville's Hillbilly Days is the second largest festival in the state. (Louisville's Derby Festival being the largest) The festival brings in thousands of dollars for Lexington's Shriners Hospital for Crippled Children ..and our own Pike County Chamber of Commerce.

Hillbilly Days celebrates mountain culture. And culture we do have...before you picture gun toting, illiterate bare foot ruffians consider this. Pikeville is the third-largest banking center in the Commonwealth. We have Pikeville College, Pikeville Osteopathic School of Medicine, and the new Expo Center. We have a Technical School as well. Don't laugh at us; perhaps you need to reconsider us Hillbillies.

So come on down!

We'll have Bluegrass pickin' in the park. They'll be cloggers that put them River dance folks to shame. They'll be more performances over at the courthouse, and a few pesky politicians too. Folks we haven't seen all winter, will come on off the mountaintops and sit and talk, chew, whittle, pick a guitar, pass around baby pictures, and ride around town on their brand new Harleys.

The folks you see in mock Hillbillly garb are Shriners, or a few "brought on" hillbillies dressing up for fun. (Mostly we don't wear bib-overalls to to office down here....but they are handy when there is some weed eating to do on the hillsides. )You'll see some of the darnedest dare I say "cars" that sputter around in our hillbilly parade. (No we don't insure hillbilly jalopies)

If you get hungry, there is always lots of choices. On Main Street, Charlie Pinson will be frying up fish in the Rotary Club booth. They'll be gyros, Greek salads, Mexican tortillas, elephant ears, funnel cakes, and fried oreos throughout the downtown vendor sections. There is a carnival for the kiddies on the river fill.

Charlie and I look forward to Hillbilly Days, as many of the family members who have left here come on home. We'll get to visit with his brother, his nephews and nieces, and even a new great nephew! On Friday, we'll even shut the office down early. It's not so bad to be a Hillbilly. You ought to try it sometime. It can be enlightening!

Charlie Pinson Insurance will close at
12:30 on Friday April 18

Visit www.pinsoninsurance.com
for 24/7 access

Charlie Pinson is a member of the Pikeville Rotary Club and the Independent Insurance Agents of Kentucky. Headquartered in Pikeville, Charlie Pinson Insurance offers a variety of insurance products including Kentucky Auto Insurance, Motorcycle Insurance, Homeowners Insurance, and Business Insurance including Workers Compensation. Through our sister agency, Triple B Insurance, we offer Kentucky health insurance for groups, individuals, and families. If you can't come to see us at Hillbilly Days, visit our website at www.pinsoninsurance.comfor online Kentucky Insurance quotes and information.

Get ready for "The Great Steamboat Race"I love the Delta Queen!

As a small girl growing up along the Ohio river, one of the biggest thrills was to watch the Delta Queen glide by the shores of Warsaw, Ky. To see that red paddle wheel, to hear the calliope, and to dream of trips far on down to bayou country was a grand summertime fantasy. After the Great Steamboat race, we would frantically search for "The Golden Antlers" symbol of a win. I can remember at night, watching the queen go quietly by. Grandma and I would flash the porch lights at the boat's pilot, and he would in turn flash his overhead light in response.

A few year's back, Progressive Insurance used to sponsor one of "the other boats" in the Great Steamboat Race. Charlie and I were fortunate enough to be aboard several times. What a thrill! I am saddened to report this may be the last year "my" Delta Queen is permitted to participate in the Great Steamboat Race. Here's an article that made my heart sing...and my eyes well up with fond memories.

Delta Queen to Receive Silver Horseshoe Award

By: KDF Press Office Posted: 4/10/2008 9:31:51 AM

The Kentucky Derby Festival is pleased to announce that the Silver Horseshoe Award, which is traditionally presented to an organization or individual for community service, will be given to the historic Delta Queen steamboat at the 52nd annual They’re Off! Luncheon on Friday, April 11, at the Galt House East Hotel. Accepting the award on behalf of Ambassadors Cruise Group, owner of the Delta Queen, will be Capt. Nico Corbin, Executive Vice President. The Delta Queen has participated in the Derby Festival’s Great Steamboat Race nearly every year since the event was first held in 1963. Corbin will present the $1,000 award that goes with the Silver Horseshoe to the Howard Steamboat Museum in Jeffersonville, Ind., which is celebrating its 50th anniversary in 2008.

The Delta Queen’s first two decks and steam engines were ordered in 1924 from a shipyard in Scotland. The Queen and her sister boat Delta King were shipped in pieces to Stockton, California, in 1926. There the California Transportation Company assembled the two vessels for regular Sacramento River service between San Francisco and Sacramento. At the time, they were the most lavishly appointed and expensive sternwheel passenger boats ever commissioned. During World War Two, both boats were requisitioned by the U.S. Navy for duty in San Francisco Bay. In 1946, the Delta Queen was purchased by Greene Line Steamers of Cincinnati and towed via the Panama Canal and the Mississippi and Ohio rivers to be refurbished in Pittsburgh. In 1948 she entered regular passenger service, plying the waters of the Ohio, Mississippi, Tennessee and Cumberland rivers between Cincinnati, New Orleans, St. Paul, Chattanooga, Nashville and ports in between.

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Charlie Pinson Insurance is an independent insurance agency representing many Kentucky Auto Insurance companies including Progressive Insurance. Kentucky car insurance quotes are available online at www.pinsoninsurance.com  Joyce Pinson, is a native of Boone County, KY and spent many summers on the Ohio River banks in Gallatin County near Warsaw.

Derby Festival Mini Marathon sponsored in part by Bluegrass Family Health Insurance Louisville Ky

Derby Festival Mini-Marathon Full Up

Late Registration will not be accepted at Bluegrass Family Health's Running Wild Expo

Registration CLOSED for Mini and Marathon
By: KDF Press Office
Posted: 4/14/2008 9:42:55 AM

Registration is now CLOSED for the Derby Festival Marathon and miniMarathon to be held on Saturday, April 26. Registration has reached the previously announced cap of 12,000 runners. This means there will NOT be entries available for late registration next week at the Bluegrass Family Health Running Wild Expo at the Kentucky International Convention Center.

“We had a record number of entries in 2007 and we’re thrilled that we set another record this year by reaching the cap of 12,000 entries,” said race director Chad Pickering. “Our goal is to have 12,000 finishers in both races combined. Derby Festival staff members and members of the race committee attended several race expos around the country last fall, and those recruiting efforts seem to have really paid off. We hope be able to open the races to even more numbers next year.”

Registration numbers for the races have steadily increased over the past two years. The 2007 Derby Festival races attracted a record 11,269 registrants, shattering the previous record of 8,651 set in 2006. For 2008, the Festival can only guarantee entry for the first 12,000 entrants to ensure the infrastructure is in place to support the runners in the manner to which they are accustomed. Registration numbers for this year’s races represent a 20-percent increase over the total number of entrants for last year’s event. Runners from 47 U.S. states and at least nine foreign countries have registered for the 2008 races.

The seventh annual Marathon and 35th annual miniMarathon will start simultaneously at 7:30 a.m. near Iroquois Park. The race route will once again include a lap around the infield at Churchill Downs; Marathon runners will complete a short loop in Southern Indiana before returning to downtown Louisville at about Mile 24. More details about the race are available online at www.derbyfestivalmarathon.com.

Contributing sponsors of the 2008 Derby Festival Marathon and miniMarathon are: Bluegrass Family Health, Churchill Downs, The Courier-Journal, Meijer and Powerade; supporting sponsors are Jewish Hospital Sports Medicine, the Louisville Water Company and marathonguide.com.

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Triple B Insurance specializes in Kentucky Health Insurance for large and small group health insurance. Agents for Triple B Insurance do business with several Kentucky Health Insurance Companies including Bluegrass Family Health Insurance Louisville KY.

Travelers Insurance Partners for Teen Driving

Parents and Teens Behind the wheel

Broadcasts air in Connecticut

Videos available for purchase

Parents and Teens Behind the Wheel

Connecticut public television will be airing a compelling documentary about teen driving, and how parents' driving habits influences their teens. Funded by Travelers Insurance, Carmax Foundation, and Stratton Faxon the documentaries "Teens behind the wheel" and "Parents and Teens behind the wheel" has garnered national attention.

The plot centers around clips from video cameras in the family car, that were gathered over a six month period. Not only were the teens filmed, the parents were as well. Dateline NBC and Good Morning America have made mention of the documentary.

CPTV, Connecticut Public Broadcasting Network, airs "Teens Behind the Wheel" at 8 PM on April 15. Check the weblink above for future airings.

For those of us in Kentucky who are interested in the videos, they are available for purchase following the title link above.

Charlie Pinson Insurance, offers Kentucky Auto Insurance through a number of companies including Travelers Insurance. Get a Kentucky Car Insurance Quote. Young drivers and teen driving information are available through several Kentucky insurance companies.

Keeneland Jockeys Visit Young Patients

Riders Up! Stepping Up at Lexington KY
UK Healthcare's Kentucky Children's Hospital

Countdown to Derby May 3 Louisville KY

Media Contact: UK HealthCare News Mary Margaret Colliver, (859) 361-1887

LEXINGTON, Ky. (April 10, 2008) – Patients at UK HealthCare’s Kentucky Children’s Hospital today received a special treat. Members of Keeneland’s jockey colony visited the young patients and brought them books and gifts. Dressed in their jockey silks, the riders brightened the day of children who come to Kentucky Children’s Hospital from across Kentucky.

Some of the jockeys visiting the children commented on their visit. “It’s a great opportunity to put a smile on the face of someone going through a tough time,” said Garret Gomez.

John Velazquez said, “I’ve been hospitalized at UK and received lots of good help and support there. I have two kids of my own. It's good to meet many of the children and their families.”

“I’ve been in the hospital and I know how it is; you appreciate visitors," said Robby Albarado. "It’s a small way to give back something to the community.”

Dr. Tim Bricker, professor and chair, Department of Pediatrics, University of Kentucky College of Medicine, and physician-in-chief of Kentucky Children’s Hospital, greeted the Keeneland jockeys. “We are so pleased to have the Keeneland Jockey Colony visit our patients at our Kentucky Children’s Hospital,” said Bricker. “After all, Keeneland’s jockeys are as committed to Kentucky as we are, and they are part of our team.”

Keeneland is a combination Thoroughbred race course and sales company located six miles west of Lexington in the heart of Kentucky's Bluegrass Region. Keeneland was established as a model race track to perpetuate and improve the sport, and to provide a course that is intended to serve as a symbol of the fine traditions of Thoroughbred racing. The philosophy and principles which have characterized Keeneland throughout its history remain unchanged.

Kentucky Children's Hospital was established in 1997. Previously known as UK Children’s Hospital, it was renamed in 2005 to more clearly define its role as the hospital for all children of Kentucky. The renaming reflects UK HealthCare’s new and expanded commitment to provide the best possible care to children throughout the state. The name also represents UK’s commitment to become a leading research center for children’s health and a Top 20 pediatric institution.

For more information about Kentucky Children’s Hospital, call Loralyn Cecil at (859) 257-1106.For more information about Keeneland, call (859) 254-3412.

Joyce Pinson, Kentucky health insurance agent, collects all things Derby including derby glasses, and memorabilia from fellow Boone County native Steve Cauthen.

Life Insurance Fraud

Contact: Ronda Sloan
502-564-6098
502-330-1804 (cell)

NEWS RELEASE Kentucky Office of Insurance

BELL COUNTY WOMAN GUILTY OF INSURANCE FRAUD

Forged niece’s signature to receive $10,000 death benefit

FRANKFORT, Ky. (April 11, 2008) – A Bell County woman pleaded guilty to a felony count of insurance fraud after forging her niece’s signature and claiming to be the child’s guardian in order to receive a $10,000 death benefit from Monumental Life Insurance Company.

After her brother’s death, Robin R. Francisco, 48, who lists her address as Cumberland Gap, Tenn., took the money without the knowledge of the child, who was the beneficiary of the life insurance policy, or the child’s mother, the legal guardian. According to court documents, Francisco admitted that she gave the $10,000 to her own sister.

The case was investigated by KOI’s Insurance Fraud Investigations Division.

By entering the guilty plea, Francisco accepted the commonwealth’s recommendation of five years in prison, probated for five years, and the order to pay restitution of $10,000 to Monumental. In addition, she agreed to cooperate in the ongoing investigation. Final sentencing will be May 5 in Bell Circuit Court.

KOI is an agency of the Department of Public Protection in the Environmental and Public Protection Cabinet.

For Kentucky Insurance Quotes contact independent agent Charlie Pinson.

Kentucky Flooding Creates Home Safety Concerns

Kentucky Cabinet for Health and Family Services
Press Release Date: Thursday, April 10, 2008
Contact Information: Gwenda Bond or Beth Fisher,(502) 564-6786, ext. 3325 and 4012

Water Damage Could Lead to Mold

The Kentucky Department for Public Health (DPH) has issued home safety guidelines to aid Kentuckians left with water damage in their homes due to large amounts of water run-off and flooding throughout the state.

One of the biggest public health concerns linked to water damage in the home is mold, fungi that can be found indoors and out. Molds grow best in warm, damp and humid conditions and spread by making spores.

“Though mold is almost always present in the air, it grows best in damp areas where humidity levels are high,” said Guy Delius, acting director of the public health protection and safety division in DPH. “The recent, heavy rains experienced throughout the state caused flooding in several areas, and many homes experienced water damage. This is a concern for homeowners, not only because of damage to their home, but it also could lead to a mold problem if left untreated.”

To recognize the signs of mold, look for discolored walls possibly showing water damage, or green or black spots apparent on walls. Mold also has a musty, earthy smell, or a foul stench.

“Allergy sufferers are those who are usually affected the most by mold exposure. Symptoms usually include nasal congestion, itchy or watery eyes, wheezing or skin irritation,” said William Hacker, M.D., DPH commissioner and CHFS acting undersecretary for health. “More severe reactions may include fever or shortness of breath. Those who have medical concerns regarding mold exposure should contact their health care provider.”

To decrease exposure and reduce mold in the home, DPH recommends that homeowners keep the humidity level of the home between 40 and 60 percent. The use of an air conditioner or dehumidifier may be used to achieve a lower level of humidity. Always use exhaust fans when showering and cooking. Mold inhibitors for paint are also available from home improvement stores.

For cleaning a small area affected by mold, most homeowners may clean up the mold problem themselves. DPH officials recommend the use of protective glasses or goggles for the eyes. Also wear rubber boots and waterproof gloves and wear clothing that can be washed afterwards. If there is a heavy mold growth area, you may wish to use a basic respirator or suitable mask to prevent breathing the spores.

Other recommendations include:

• Ensure that the area is well ventilated before beginning.



• Remove all previously soaked porous items that have been wet for more than 48 hours and are not able to be cleaned and dried.



• Disinfect hard surfaces; a solution may be mixed of 1 cup of household bleach with 1 gallon of water.



• Contact a mold remediation consultant for severe mold cases.

To prevent mold from coming back, DPH recommends implementing mold prevention efforts in the home. For flooding damage, ensure that the home is properly cleaned and dried out by using the aforementioned steps. For small spots, make sure to remove the source of moisture.

“Mold cannot grow without a source of water or moisture,” said Delius. “By removing the water source, the homeowner can ensure that the mold growth should not return.”

If mold growth persists, the homeowner may want to contact a mold remediation professional for more advice. The source of the problem can also be moisture that is hidden in the home.

For more information on mold, visit the Cabinet for Health and Family Services Department for Public Health Web site at http://chfs.ky.gov/dph/info/phps/mold.htm, or contact your area local health department’s environmental public health office.

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Charlie Pinson Insurance offers Kentucky Flood Insurance cheifly to residents of Pike and Floyd County (Pikeville KY and Prestonsburg KY areas). For more information on Flood Safety visit Charlie Pinson Insurance Ky

If you have a Kentucky Homeowners Insurance policy, it generally does not include flood damages in the coverage. Review your policy with a Kentucky Independent Insurance Agent. Charlie Pinson Insurance does business throughout the state of Kentucky.

Make your Health Care Wishes Known

Long-Term Care Ombudsman Encourages Kentuckians to Make Advance Health Care Wishes Known

Kentucky Cabinet for Health and Family Services
Press Release Date: Thursday, April 10, 2008
Contact Information: Janis Stewart or Gwenda Bond,
(502) 564-6786, ext. 3326 and ext. 3325

FRANKFORT, Ky. (April 10, 2008) – Most people can’t read your mind when you’re healthy, let alone try to figure out your wishes during a major health crisis while under additional stress. Be kind to your loved ones; make those decisions in advance; and have them legally documented.

The Cabinet for Health and Family Services’ Long-Term Care Ombudsman (LTCO), along with other national, state and community organizations, is leading an effort to highlight the importance of advance healthcare decision-making—an effort that has culminated in the formal designation of April 16, 2008, as the inaugural National Healthcare Decisions Day (NHDD).

Despite the fact that the importance and benefits of advance directives have been proven repeatedly for many years, only a small minority of Americans have executed an advance directive, according to information on the NHDD website. NHDD seeks to address this issue by focusing attention on advance healthcare planning from a variety of directions simultaneously across the United States.

Any number of professionals such as healthcare providers, chaplains, attorneys, and long-term care ombudsmen can provide clear, concise, and consistent information and tools for executing written advance directives about healthcare power of attorney and/or living will in accordance with state laws.

“I encourage, Kentuckians to have thoughtful conversations about their healthcare decisions and complete reliable advance directives to make their wishes known,” said Jackie Strader, Kentucky’s Long-Term Care Ombudsman. ” An advance directive allows you to give instructions about your health care, clearly explaining what you want done or not done if the time comes when you can’t speak for yourself. ”

For more information on this initiative and advance health care directives, visit www.nationalhealthcaredecisionsday.org or http://chfs.ky.gov/omb/ltco.htm call the LTCO at 502/564-5497.

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Best of the Bluegrass Lexington KY

Kentucky Festivals in Full Swing for Spring

It is a beautiful Friday morning here in Kentucky with the red buds singing the melodies of spring. Across the Commonwealth, it is festival time. I have mentioned in previous posts, Louisville's Kentucky Derby Festival and the upcoming Hillbilly Days festival in Pikeville.

Today, it's all about "MY University" town, Lexington, KY.(GO BIG BLUE!)

Best of the Bluegrass Festival April 10 - 12 Lexington KY
Check out Best of Bluegrass website

It started yesterday, with a Bed Race and will end Saturday with the running of the 84th Bluegrass Stakes at Keeneland sponsored by Toyota. In between there is more Thoroughbred racing at Keeneland including the Makers Mark Mile, a 5K run for us two feeted folks, LexJam down at the ArtsPlace, and even a celebration at Henry Clay's Ashland for the illustrious orator's 231st birthday.

Alas, I cannot join the festivities but my spirit is with y'all. Enjoy the fun! Send me some burgoo and bread pudding!

Joyce Pinson is a Kentucky Health Insurance agent, an avid Wildcat fan, and a lover of all things Kentucky; especially Thoroughbred horses.
Charlie Pinson Insurance KY

Safeco Teensurance get positive press Wall Street Journal

Teen Insurance targeting safety and new markets

Safeco Insurance continues to garner rave reviews about their Teensurance product. Rolled out last year, the media attention is still escalating.

Check out March 27 edition of the Wall Street Journal

Scroll below to view Safeco's You Tube Teensurance promo. Check out our agency website at www.pinsoninsurance.com to see more about Kentucky Teen Insurance options.

Safeco and the Safeco logo are registered trademarks of Safeco Corporation
Teensurance and Safety Beacon are trademarks of Open Seas Solutions, Inc. Open Seas Solutions, Inc. is a non-insurance subsidiary of Safeco Corporation.

Check out Charlie Pinson Insurance
KY Safeco Insurance Agent
Ky Teen Insurance Page

Spencer County Man Must Repay Health Insurance Benefits

From Kentucky Office of Insurance
Contact: Ronda Sloan
502-564-6098
502-330-1804 (cell)

NEWS RELEASE

SPENCER COUNTY MAN LIES ON INSURANCE APPLICATION
Must repay company for all claims paid on his behalf

FRANKFORT, Ky. (March 31, 2008) – A Spencer County man must repay $9,718.66 in health insurance benefits he received after lying on the application. The case was investigated by the Kentucky Office of Insurance (KOI) Fraud Investigation Division.

Douglas Richardson, 37, of Taylorsville, admitted that he lied on a health insurance application with Anthem Blue Cross Blue Shield, stating that he didn’t have any significant health problems when he actually had several specific medical conditions. Anthem paid claims based on this fraudulent information.

He pleaded guilty to one felony count of insurance fraud and will be supervised for five years through a pretrial diversion agreement in Jefferson Circuit Court. Richardson was ordered to make restitution to Anthem for the claims paid on his behalf. In addition, he must pay a fine of $918.40 to KOI for investigative expenses. He waived his right to request that the record be expunged of this charge.

KOI is an agency of the Department of Public Protection in the Environmental and Public Protection Cabinet.

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Joyce Pinson and Charlie Pinson are Kentucky health insurance agents. For information about Triple B Insurance and KY health insurance quotes visit Triple B Insurance staff page.

Central KY woman averts Health Insurance Scam

From Kentucky Office of Insurance
Contact: Ronda Sloan
502-564-6098
502-330-1804 (cell)

NEWS RELEASE

CONSUMERS SHOULD GUARD FINANCIAL INFORMATION
Unsolicited caller asks central Kentucky woman for bank account data

FRANKFORT, Ky. (April 2, 2008) – An Anderson County woman received a call earlier this week with an offer “too good to be true,” and her quick thinking may have averted financial disaster.
The caller, who said his name was Patrick, offered to help her save money on a health insurance plan. Later in the call, he said she could receive the coverage at no cost. All he needed was her financial information. When she asked why he needed her bank routing number for a free service, the caller became angry and hung up. The woman called the Kentucky Office of Insurance (KOI) to report the matter.
According to the consumer, Patrick said he represented MedExtra. An investigator from KOI contacted MedExtra, a Canadian company specializing in assisting members with various medical services, including personalized care plans, remote second opinions and discount pricing. A company representative said MedExtra does not have an employee named Patrick and does not market in the United States.
“We urge consumers to be cautious about giving out financial information, particularly when they did not initiate the call,” said John Burkholder, KOI acting executive director. “Being a savvy consumer may have saved this woman from a serious financial loss.”
Consumers who receive similar calls may call KOI at 800-595-6053 and ask to speak to Scott Moseley in Consumer Protection and Education.
KOI is an agency of the Department of Public Protection in the Environmental and Public Protection Cabinet.
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Click For more information on   Kentucky Health Insurance Quotesfrom Triple B Insurance and agent, Charlie Pinson.

Governor Beshear signs bills for long term care and trama care

Governor Steve Beshear's Communications Office
Governor Beshear signs four bills into law
Press Release Date: Wednesday, April 09, 2008
Contact Information: Dick Brown
502-564-2611

FRANKFORT, KY – Gov. Steve Beshear today signed into law four bills passed by the current session of the Kentucky General Assembly. The new laws include measures relating to corporation income tax and limited liability entity tax, changes relating to plastic container labeling requirements, long-term care insurance and trauma care.

HB 259, sponsored by Rep. Jeff Greer (D-Brandenburg), created the Kentucky Long-Term Care Partnership Program that encourages individuals to obtain long-term care insurance by allowing them to still qualify for Medicaid services without exhausting all of their assets and resources. This will allow these individuals to protect come of their personal assets, up to the benefits of the policy, from estate recovery.

“No longer will the elderly who have worked all their lives to have a home and some money saved be forced to lose all of those assets in order to access long-term care,” said Gov. Beshear. “This bill is a significant step in helping consumers plan their retirement with more confidence in their long-term financial viability. I want to congratulate Rep. Greer and thank him for recognizing this opportunity and pushing this legislation.”

HB 371, sponsored by Rep. Bob DeWeese (R-Louisville), provides a mechanism by which an office of trauma care will be created and charged with developing trauma prevention programs, a trauma registry, continuing education for professionals and a coordinated trauma network.

“It’s not often you can say that a specific piece of legislation has the potential to save lives. But, in this case, it’s true,” said Gov. Beshear. “Many areas of Kentucky, particularly rural areas, lack good trauma care, something that contributes to higher rates of death and permanent disability as a result of violent accidents. With the work of Rep. Bob DeWeese, we now have legislation that can address this in a meaningful way.”

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