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Is It Covered?

Is It Covered?

著者： ROC Vox Podcast Network
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 Welcome to Is It Covered?, the podcast that makes insurance engaging, understandable, and even fun!

Hosted by Brian and Bruce Chapman, owners of the family-run JD Chapman Insurance Agency, this show dives into the world of insurance, answering the big question everyone asks: “Is it covered?”

Each episode, we break down real-life insurance claims, explore behind-the-scenes insights into the industry, and share the values that have guided our family business for over 60 years.

From home and auto coverage to commercial insurance and everything in between, Is It Covered? takes the complexity out of insurance while keeping it interactive and relatable.

Whether you’re a first-time insurance buyer or a seasoned business owner, tune in for stories, tips, and advice that help you protect what matters most.©2024 JD Chapman, Inc. 経済学
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  • Volunteer Event Injury Raises Big Questions

    Volunteer Event Injury Raises Big Questions
    2025/10/28
    You sign up to help at a company-sponsored volunteer event, swinging hammers for Habitat for Humanity or lending a hand at a charity fundraiser. But what happens if you fall, get injured, and suddenly face medical bills and time off work?

    In this episode of Is It Covered?, Bruce and Brian Chapman break down the often-overlooked insurance implications of volunteering while “on the clock.” From workers’ compensation to personal health insurance, we explore when your employer’s coverage applies — and when you’re on your own.

    ✓ How workers’ comp applies during volunteer events
    ✓ The difference between on-the-clock volunteering and personal volunteer time
    ✓ Why even good deeds come with unexpected risks
    ✓ How businesses can protect employees and themselves when sponsoring volunteer work

    Whether you’re an employer organizing volunteer programs or an employee who loves to give back, this episode will open your eyes to the hidden insurance angles of doing good.

    🎧 Listen now and find out why helping others sometimes leads to tricky questions about coverage.
    Have a claim scenario you’d like us to cover? Email brian@jdchapmaninc.com.

    #WorkersComp #VolunteerWork #InsuranceClaim #EmployeeCoverage #JDChapman #IsItCovered
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    8 分
  • Delivery Driver Runs Someone Over

    Delivery Driver Runs Someone Over
    2025/10/14
    A delivery run goes sideways when a company truck collides with a passenger car. Injuries, vehicle damage, police reports — and the big question: does the driver’s policy pay, the business’s policy, or both?

    In this episode of Is It Covered?, Bruce and Brian Chapman (with Rich) unpack how insurance actually responds when a crash happens mid-delivery — whether employees use company vehicles or their own cars for work.

    ✓ What Hired & Non-Owned Auto (HNOA) covers for businesses using employee vehicles
    ✓ Why a driver’s personal auto can deny claims for deliveries/commercial use
    ✓ How liability is split when both the driver and employer get pulled into a lawsuit
    ✓ What changes if it’s a company-owned truck vs. an employee’s car
    ✓ When higher limits or an umbrella policy can keep a bad crash from becoming a business-ender
    Whether you run a restaurant, contractor crew, or small fleet — or you deliver on the side — this episode shows how one wreck can expose costly coverage gaps.

    🎧 Listen now and make sure your next delivery isn’t a liability surprise.

    Have a claim scenario you want us to cover? Email brian@jdchapmaninc.com.

    #InsuranceClaim #CommercialAuto #DeliveryDrivers #HNOA #NonOwnedAuto #BusinessInsurance #JDChapman #IsItCovered
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    9 分
  • Cash Vanishes From The Shop Overnight

    Cash Vanishes From The Shop Overnight
    2025/10/07
    You lock up the office one night, only to come back in the morning and discover the cash drawer has been emptied. The money is gone, and suddenly you’re facing tough questions: Who’s responsible? And more importantly—does insurance step in?

    In this episode of Is It Covered?, hosts Bruce and Brian Chapman dig into a real-world “missing money” scenario. From a pizzeria’s overnight cash loss to office theft cases, we explore how these situations are handled by different types of insurance—and why the answer isn’t always simple.

    ✓ Why cash losses often fall into insurance gray areas
    ✓ What coverage options might apply for employee theft or burglary
    ✓ How business policies differ from homeowners insurance when money is stolen
    ✓ Why deductibles and exclusions make all the difference

    Whether you run a business, sit on cash reserves in your office, or are just curious how insurance treats “vanishing money,” this episode sheds light on a surprisingly common claim type.

    🎧 Listen now—and find out why protecting your cash may require more than just a lock and key.

    Have a claim scenario you’d like us to cover? Email Brian@jdchapmaninc.com

    #InsuranceClaim #BusinessInsurance #Theft #MissingMoney #CashClaims #JDChapman #IsItCovered
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    10 分
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