To our valued customers;
As if the coronavirus isn't difficult enough, we can now add the riots to the pot! As most of you may know by now, the coronavirus is Not a covered loss on your Liability/property policy. However, “Riot or Civil Commotion” Is a covered loss. Some of you remember the 1992 riots, RKM had 14 gas stations damaged and burnt. All the locations were covered by the Insurance companies, although it was a lengthy claim process, they were all back in business. We know at this point, there's a high level of frustration, and different ideas may come to mind on how to defend and protect your business, and rightfully so. However, our best advice to you in these times and for your safety, we encourage you to stay calm, stay home and stay safe. If these riots should continue and move close enough to threaten your business/station, we encourage you to close and send your employees home for their safety. Also, remember, record keeping is always important. Please keep as many receipts as possible, along with videos, pictures, etc. And make sure to keep these records/receipts OFF the premises should your station burn down. On a different yet very important subject, RKM recently received a slip and fall at one of our customer stations, which may lead into a very large claim. Details: A customer came to the Service Station, allegedly slipped and fell and was taken to the hospital by ambulance. The next day he passed away in the hospital. A very unfortunate situation and the reasons for his death are still unknown at this time. Unfortunately, the employee did not inform our Insured of the incident and by the time our insured was made aware of it, the video was taped over, therefore erased. VERY IMPORTANT ; All employees need to constantly be reminded to notify the main office or Owners of ANY incident, no matter how small or large, and keep any and all related videos, witnesses info., phone pictures for two (2) years. We ask you to please stay safe during these times, and always feel free to call us for any questions you might have.
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RKM Insurance AGENCY
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