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Personal Vehicle Sharing Programs and the Personal Auto Policy
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It is happening in Alaska.  Enterprise and Hertz both have a vehicle sharing program.  These companies probably have the *'right' auto coverage for their vehicles, but are they incorporating citizen vehicles as well?  If you are thinking about using your vehicle to make a couple of extra dollars in a vehicle ride sharing program, you probably DON"T have the *'right' coverage.  The personal auto policy written by most companies will have a very strong exclusion for this type of activity.  Okay, so you don't extend your vehicle to a vehicle sharing program, you just drive for Uber or Lyft in your spare time to make an extra buck.  You are good, right?  You are driving, not some stranger.  WRONG!  This type of exposure is excluded in the personal auto policy under an exclusion called, "Public or Livery Conveyance exclusion".  If you are going to participate in either or both of these programs or any similar programs of this nature, you need to contact your insurance agent/broker and ask what type of coverage you will need to cover you while you are participating in either a ride sharing or vehicle sharing program. ​
*In this instance, 'right' stands for coverage that will apply during a ride share or vehicle sharing program.

Careers in Insurance

1/17/2018

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Do currently have a job that doesn't excite you?  Do you dread going to work every day?  Do you view it as a way to survive rather than a way to thrive?  Would you like to have more say in your pay?  

​If the answer to any of these is yes, you may want to take a look at a career in the insurance industry.  There are many different career paths you can take within the broad spectrum of insurance.  Insurance producer (agent/broker), insurance adjuster, underwriter, rater, clerical positions, and support staff for all of the above.  

​Insurance is never going away and even when the economy goes up and down, we all have to consider insurance (auto, home, business, life, health, etc).  Insurance is here to stay and there will always be opportunities for a motivated individual.  

Do you have a desire to own your own business someday?  There are ample opportunities within the insurance industry for people to own their own agency or adjusting firm as well.   

​Finally, this is one of the last true professions that do not require one to complete a college degree before they can begin their professional career.  50 years ago the insurance agent was not considered to be a professional and not held to many standards, but that has changed in the last 25 years and insurance professionals are recognized as such (and don't forget, held to professional standards) as they ought to be.

​Please contact me if you are interested in a career in the insurance field. You can email me at: insurance@ak.net or call me at 907-244-7391 or you can comment to this post.  I recommending calling or emailing me for the fastest response.  Thank you.

All my best, 
​Margaret Varlamos, CPCU, FLMI, AU, AIC, ACS, LUTC, CIC, CISR
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    Author-Margaret Varlamos

    Owner of ILP of Alaska and Insurance Consultants of Alaska

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