Clarke & Sampson Blog

Matt Stephens

Recent Posts

Emergency Response Checklist for School Part:2

Posted by Matt Stephens

Jan 20, 2017 11:05:00 AM

Continued from Part:1

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Topics: Private Education, Emergency Response Private Education, Emergency Response Checkilist

Emergency Response Checklist Part:1

Posted by Matt Stephens

Jan 20, 2017 11:02:00 AM

According to the Federal Emergency Management Agency (FEMA), there are a number of phases included in the creation of an effective emergency management program. The following checklist identifies those phases along with action steps associated with each.

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Topics: K-12 Private Education, Private Education Checklist, Emergency Response Checklist, School Emergency Response Checklist

Private Education Emergency Response Safety

Posted by Matt Stephens

Jan 17, 2017 12:00:00 PM

Emergency Response Safety for Schools

Most school districts and individual schools have emergency management plans in place. However, they are not always practiced regularly, coordinated with community resources, updated regularly or based on factual data and circumstances. As a result, when schools and districts find themselves in situations that merit an emergency response, they are often left unprepared.

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Topics: Private Education, Private Education Insurance, Independent School Insurance, School Insurance, Education Insurance, Emergency Response Private Education

Strategies for Controlling Workers' Comp Claims

Posted by Matt Stephens

Aug 18, 2016 12:40:34 PM

Workers' compensation is one of the only lines of insurance that is a controllable expense. By initiating best practices, safety manuals, and risk reduction strategies you can keep your employees safe and your workers' compensation premium at an all time low. 


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Topics: Workers Compensation, Alexandria VA, Arlington VA, Washington DC, Insurance

The Story Your Mod Reveals

Posted by Matt Stephens

Jul 21, 2016 10:49:46 AM

For many employers, workers’ compensation insurance is all about one number—the premium quoted. Understandably, employers want to pay the lowest amount possible on this mandatory coverage. While some brokers try to compete on a low bid, those who do miss the chance to educate employers on how their mod affects their premium, and how lowering their mod through targeted improvements in safety, hiring, return to work and other areas will ultimately improve both their direct and indirect workers’ compensation costs.

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Topics: Workers Compensation, Alexandria VA, Insurance

Social Engineering Fraud Coverage

Posted by Matt Stephens

Jun 7, 2016 10:45:10 AM

Social engineering fraud (SEF) is a type of fraud that’s become increasingly common over the last several years. However, even though many instances of this fraud transpire over email communications, it’s a company’s crime policy—not a cyber policy—that would often provide coverage in the event of an SEF loss.

That’s why it’s especially important to understand your crime policy, how it might cover SEF, why it might not, and what endorsements you might want to obtain to make sure SEF doesn’t leave your company exposed.


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Topics: Arlington VA, Washington DC, Alexandria, Cyber Liability

Cyber Security: Social Engineering & Other Online Frauds

Posted by Matt Stephens

May 11, 2016 9:29:20 AM

social_eng.pngWhile computers have improved the speed and efficiency of how we work, they have also allowed thieves and con artists an easier avenue by which to steal from people and businesses. One of the ways these cyber criminals use computers to steal is through online fraud, one of the fastest-growing crimes today.



This picture is an example of what modern day social engineering looks like


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Topics: Alexandria VA, Arlington VA, Washington DC, Insurance, Social Engineering

The Basics of Property Insurance

Posted by Matt Stephens

May 9, 2016 12:31:37 PM

Home_Inventory_Blog.jpgYour livelihood is dependent on the survival of your business, so it is imperative that you protect it against any potential threat—big or small. For instance, a fire could destroy your business’s warehouse and the contents inside, or a burst frozen pipe could damage important documents and valuable papers. Worse, you could have trouble paying your employees during a loss because your funds are devoted to repairing damage.



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Topics: Alexandria VA, Arlington VA, Washington DC, Property Insurance

Umbrella Claim Scenarios

Posted by Matt Stephens

May 6, 2016 11:07:06 AM

The incidents below are recent examples of actual liability claims in excess of a policyholder's primary liability limit. These scenarios represent only a sampling of the types of claims that can occur every day. 

Adequate excess liability limits can help protect you when the unforeseen results in a liability judgment against you. 

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Topics: Claim Scenarios, Alexandria, DC, Umbrella Claims, Arlington, Umbrella Insurance

Personal Umbrella Liability Insurance

Posted by Matt Stephens

May 2, 2016 2:11:54 PM

After a hectic work week, Jim Marshall was looking forward to a relaxing weekend with his wife and kids. He was just a few blocks from home when his cellphone rang. He glanced down to see who was calling. That split-second distraction was all it took for him to miss the approaching stop sign. 






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Topics: Personal Insurance, Alexandria VA, Personal Umbrella, Arlington VA, Washington DC, Virginia