Film Producers E&O
October 18, 2013 8:09am

Producers E&O; Film Insurance E&O; E&O Insurance for Filmmakers



Film Producers E&O; E&O Insurance; Broadcast E&O; Production Insurance


No matter what you call it, we are the specialists for errors & omission (also known as libel insurance).   We are one of the few in the industry who write a three year policy with no annual installments allowing you to add additional insureds as you acquire distributors.   Our policy covers the film producer for the entire rights period granted as long as there are no changes to the production.  For a no obligation proposal call Steve Thomas at 800-638-8791 ( or visit our website (

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Car Insurance FAQs
April 25, 2013 5:03am

Frequently Asked Questions


Part Two


Car Insurance FAQs

Q: I have an older car whose current market value is very low – do I really need to purchase car insurance?

A: Most states have insurance laws that require drivers to have at least some car liability insurance. These laws were enacted to ensure that victims of car accidents receive compensation, when their losses are caused by the actions of a negligent individual.

Often times the cost of repairing the damages to an older car is greater than its value. In these cases, your insurer will usually just "total" the car and give you a check for the car’s market value less than the deductible. Many people with older cars decide not to purchase any physical damage coverage.

Q: What is the difference between collision physical damage coverage and comprehensive physical damage coverage?

A: Collision is defined as losses you incur when your car collides into another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage.

Comprehensive provides coverage for mostly other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.

Q: What factors can affect the cost of my car insurance?

A: A number of factors can affect the cost of your car insurance -- some of which you can control and some that are beyond your control.

The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your car insurance will cost.

Even your marital status can affect your cost of insurance. Statistics show that married couples tend to have fewer and less costly accidents than those who are single.

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Frequently Asked Questions
March 13, 2013 6:56am

Frequently Asked Questions

Part One

Q: What kinds of questions should I be expected to answer when I’m applying for an insurance policy in the Washington DC Metropolitan Area?  Why do insurers need so much information? 

A: When you apply for an insurance policy at Walterry Insurance Brokers, you will be asked a number of questions. For example, we might ask your name, age, gender, address, etc. You will also be asked a series of other questions which will be used to determine how likely you are to file a claim.

We will want to know about your previous driving record, whether they show any recent accidents or tickets, and for what type of car we are being asked to provide insurance.

Walterry offers a variety of programs for different customers. Adults with good driving records will generally pay less for car insurance than young drivers with traffic tickets.  In order to determine which program you qualify for, we will need basic information about you.

In addition we need to know information about the car you drive to determine a fair price.  For example, a large luxury car costs more to repair or replace than a compact car.  Also, someone in the suburbs who commutes 30 miles each way is more likely to be in an accident than someone who commutes via bus and drives only on weekends.

The answers to the above questions should be readily available when you call Walterry.

Q: What are the advantages to using an independent agent to purchase insurance?

A: By using an independent agent such as Walterry Insurance Brokers, you receive more personalized service. You are able to reach YOUR agent when you call. Our phones are answered by our personnel, not computers.  Having direct contact with your Walterry agent can be very important when purchasing insurance, and absolutely necessary when filing a claim. And, finally, Walterry Insurance Brokers is able to deliver quality insurance with competitive pricing and local customized service.

Call us now for a no-obligation proposal.   1-800-638-8791

Posted by Administrator

Flood Insurance
November 29, 2012 8:22am

Flood Insurance


Our industry is constantly reminding insureds that Flood damage is not provided by their Homeowner’s Insurance policy.  It is probably the most difficult policy to convince a homeowner to purchase.  Most customers feel they do not need it.   After storm “Sandy” many regretted they had not purchased it.


Call us now for a no-obligation proposal.   1-800-638-8791

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Homeowner Insurance
September 24, 2012 6:11am

Homeowner’s Insurance



We are often asked to lower the value of an insured’s homeowner’s insurance due to the weak economy however this is often not the correct thing to do.   Almost all homeowner policies are based on the REPLACEMENT cost to rebuild your home, NOT the market value or your original cost.  Although the economy is down, the cost to REPLACE your home may actually INCREASE.


Failure to properly insure your home may result in a penalty settlement in the case of a less than full policy limit loss.   For example, if the replacement cost on your home is $200,000, but you decide to insure it for the market value of $150,000, then you are underinsuring your home by 25% of the rebuild value.   If you have a $40,000 fire, the insurance company will pay only 75% of your loss or $30,000 due to your decision to underinsure the rebuild value of your home.


To determine the rebuild value of your home, give us a call and we will prepare a no cost, no obligation building cost estimate.


For more information, call 800-638-8791.

Posted by Administrator

Newspaper Insurance
August 23, 2012 8:42am

Newspaper Insurance



It is again that time of the year when we will be attending the National Newspaper Association (NNA) convention in Charleston, South Carolina.  The convention is from October 3rd to 7th and, as usual, we will be presenting a libel seminar for newspaper publishers.   Attendees will receive a 5% credit on their premium for the next renewal.   Look for us at Booth #1 and pick up your complimentary souvenir t-shirt.


For more information

Posted by Administrator

Insurance for Associations
August 13, 2012 11:05am

Insurance for Associations



Non-profit associations need more than a Directors & Officers insurance policy.   Every association should also have a General Liability policy, sometimes referred to as a Business Owners policy (BOP), to cover bodily injury and property damage claims.  In fact, many convention centers and hotels require such a policy.  For this reason, it is imperative that  non-profit associations insure through brokers who are familiar with their insurance needs.


For more information

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AARP Auto Insurance
August 2, 2012 11:00am

AARP Auto Insurance Competitive


The AARP Home & AARP Auto Insurance policies are very competitive according to CEO, Walter Coady.   The AARP discounts that are included make these policies very competitive with the direct writers but the customer has the advantage of dealing with an independent agent.   The same agent who sold the policy will be available to help the customer with claims and changes to the policy.  The customer is able to sit down with the AARP agent and discuss all their insurance needs.  Try that with the Internet agents.


Please click below for more information.

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E & O Insurance
August 2, 2012 9:08am

E & O Insurance


Many businesses mistakenly believe that their General Liability policy covers Errors & Omission liability claims (E&O).  If you are a Film Producer, Real Estate Agent, Broadcaster, Management Consultant, Newspaper Publisher or other Professional, you need E & O Insurance, also known as Professional Liability, to cover your decisions (advice) or lack of it thereof.


Click on below for more information.

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Homeowners Insurance
June 5, 2012 8:56am

What is homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Reprinted from Insurance Information Institute.


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Disability Insurance
May 10, 2012 6:23am

Disability Insurance


According to the Insurance Information Institute your ability to earn a living is an even more important asset than your car or even your house, yet disability insurance is all too often overlooked. May is Disability Insurance Awareness Month, the perfect time to make sure you and your family are covered in the event an illness or injury keeps you out of work for an extended period of time.

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Claim satisfaction
April 12, 2012 7:17am

According the Insurance Information Institute overall customer satisfaction with the auto insurance claims experience remained stable during the fourth quarter of 2011, despite an increase in the number of auto insurance claims and the amount of time needed to repair vehicles, according to J.D. Power's auto claims satisfaction survey. An increase in claims due to weather-related damage led to higher volumes at repair shops during the fourth quarter of 2011. For vehicles that were ultimately repaired, it took an average of 8.5 days for customers to get their repaired vehicle back from the shop, nearly one full day longer than the average of 7.8 days during the third quarter of 2011. However, overall customer satisfaction was up slightly, averaging 855 on a 1,000-point scale during the fourth quarter of 2011, compared with 854 during the third quarter and 848 during the second quarter of 2011.

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AARP Press Release
April 12, 2012 7:16am


Media Contact:

William J Coady

Account Executive 




Local Independent Agent Selected to Offer The Hartford’s AARP Insurance Program


After meeting several social responsibility and business requirements, Walterry Insurance Brokers was authorized to now offer the popular insurance program in Prince Georges County and surrounding areas..


Clinton MD – The Hartford Financial Services Group, Inc., (NYSE: HIG) announced today that it is making its award-winning AARP®-branded auto insurance program available through Walterry Insurance Brokers in Prince Georges County.


Walterry Insurance Brokers was chosen after satisfying a number of eligibility requirements, which included: demonstrating a commitment to community service; meeting a high-level of business and ethics standards; and completing a training program designed to highlight the needs of the 50+ population.


“For 25 years, the industry-leading AARP-branded auto insurance program from The Hartford has been extremely popular,” said Kathy Bromage, vice president, The Hartford. “Much of the success of this program is due to innovative product features and a commitment to truly understand and support our customers. We are thrilled to now be able to offer these benefits with our independent agent partners.”


According to research from The Hartford, the majority of AARP members prefer the advice and counsel of a local agent when making decisions about their insurance. Based on this research and strong customer demand, The Hartford is offering the AARP-branded auto insurance program through select, authorized independent agents. These products were previously only available from The Hartford by phone, the Internet and by mail.


The AARP-branded auto insurance program is designed in consultation with The Hartford Advance 50 Team, which helps to tailor our products and services specifically to the interests and needs of Baby Boomers and older adults. Other unique hallmarks of the program include:

·         Lifetime continuation agreement – assures that the

customer’s insurance policy will not be dropped as long

as a few simple requirements are met  

·         RecoverCare – helps customers pay for assistance with daily

errands and responsibilities, like cooking, cleaning, shopping,

dog walking, transportation and yard work if they are injured

in an auto accident.

·        Standard 12-month rate protection versus the traditional six

month policies offered by most companies.



About Walterry Insurance Brokers

Established in 1968 by Walter and Terry Coady, Walterry Insurance Brokers is a full service Independent Insurance Brokerage serving Prince Georges County residents for over 40 years. Known for their personal service and attention to detail, phones are still answered by employees, not computers. Stop by or look us up on the web


About The Hartford

Celebrating nearly 200 years, The Hartford (NYSE: HIG) is an insurance-based financial services company that serves households, businesses and employees by helping to protect their assets and income from risks, and by managing wealth and retirement needs. A Fortune 500 company, The Hartford is recognized widely for its service expertise and as one of the world’s most ethical companies. More information on the company and its financial performance is available at


About AARP Financial, Inc.

In 2005, AARP Services founded AARP Financial Inc., a wholly-owned taxable subsidiary that manages the provider relationships for and performs quality control oversight for the financial products that carry the AARP name, including credit cards, auto and home, mobile home and motorcycle insurance, and life insurance and annuities. AARP Financial also provides access to proprietary investment products and services, including mutual funds and financial guidance, designed to meet the needs of investors at any life stage.


About AARP

AARP is a nonprofit, nonpartisan membership organization that helps people 50+ have independence, choice and control in ways that are beneficial and affordable to them and society as a whole. AARP does not endorse candidates for public office or make contributions to either political campaigns or candidates. We produce AARP The Magazine, the definitive voice for 50+ Americans and the world's largest-circulation magazine with over 34.5 million readers; AARP Bulletin, the go-to news source for AARP's 40 million members and Americans 50+; AARP Segunda Juventud, the only bilingual U.S. publication dedicated exclusively to the 50+ Hispanic community; and our website, AARP Foundation is an affiliated charity that provides security, protection, and empowerment to older persons in need with support from thousands of volunteers, donors, and sponsors. We have staffed offices in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands.


Some of the statements in this release may be considered forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. We caution investors that these forward-looking statements are not guarantees of future performance, and actual results may differ materially. Investors should consider the important risks and uncertainties that may cause actual results to differ. These important risks and uncertainties include those discussed in our Quarterly Reports on Form 10-Q, our 2008 Annual Report on Form 10-K and the other filings we make with the Securities and Exchange Commission. We assume no obligation to update this release, which speaks as of the date issued.




Posted by Administrator

AARP Appointment
May 9, 2011 9:58am

Ask us about the AARP Auto Insurance Program from The Hartford. 


This program is designed exclusively for AARP members - and is now available through your Hartford independent agent!


Call Today for you FREE, no-obligation quote 301-868-7200.

Posted by Administrator

Birthday Party Gone Bad
October 28, 2010 8:17am

Have you ever hosted a party at your house?  You could be held responsible if a guest is injured on your property or causes an auto accident after being served alcoholic beverages in your home.  If a lawsuit is brought against you, your current assets and part of your future earnings – everything you’ve worked for – could be at risk.  A Personal Umbrella policy may pick up excess payments when other applicable insurance is exhausted.


The following incidents are also claims affecting actual insureds.  Personal Umbrella insurance picked up the excess when necessary.


·         An insured bicyclist was at fault when he collided on a hill with another bicyclist.  Both were seriously injured, resulting in covered payments of $200,000.

·         An insured driver lost control of his vehicle causing two fatalities resulting in payments

       totaling  $1,000,000.

·         A swing set broke at a birthday party seriously injuring a guest resulting in a payment of $1,000,000.

·         An insured was involved in an auto accident that paralyzed a passenger resulting in a payment of $1,000,000 which exceeded his auto insurance. 


For as little as $10 a month, you can gain extended liability coverage to protect yourself and your family.  An umbrella policy is a smart and cost effective way to protect your home, automobile, assets and future earnings.

Posted by Administrator

Trademark Infringement
August 25, 2010 1:42pm


Parody May Not Always Be a Winnable Defense



As teenager Jimmy Winkelmann discovered, a defense of clear parody may not be enough.  He came up with the idea of marketing t-shirts under the name of “The South Butt” as a joke because of his classmate’s preference to wearing “The North Face” apparel.   “The South Butt” logo is similar to “The North Face” but turned upside down with two ridges resembling butt cheeks.   “The North Face” was not amused and sued for trademark infringement and dilution when Winkelmann tried to obtain federal trademark registration and then offered to sell his business for $1 million.   While the terms of the settlement are confidential, “The South Butt” remains in business. Just another example why the proper insurance policy is a necessity in any business.

Posted by Administrator

Water Loss Prevention
July 19, 2010 12:58pm


Many homeowners are shocked to learn that the most common cause of water

damage to their property isn’t due to Mother Nature- it’s from the leaky hose in their kitchen or laundry room.  Nearly 75% of Safeco’s home water loss claims each year are caused by appliances, plumbing and plumbing fixtures.  For

example,  reinforced hoses for washing machines, dishwashers and toilets can,

and often do, present a problem.   A washing machine does not have to be in operation to leak or have a hose burst.  Many of the most damaging washer related home damage comes from burst hoses.  As you can see, it’s very important to inspect both hot and cold water supply hoses for kinks, cracks, blisters or bulging, and to replace them when they show signs of wear.


The typical cost for these claims ranges from $2,800 to $4,000 but occasionally  is much more, and even with a covered loss the homeowner is still  responsible

for the deductible and the inconvenience of  loss of use.


For the above mentioned appliances, consider using hoses that are reinforced with stainless steel braiding or mesh, rather than the rubber or plastic hoses

that  come from the manufacturer.  They cost only a few dollars more, and are a

small  price to pay to eliminate the aggravation and have peace of mind.   Hoses,

whether  rubber or reinforced, don’t last indefinitely and should be replaced every

few  years.


Finally, try to make a habit of shutting off the water to your washer any time you’re not using it, and always shut it off when you are away from home for a

weekend or longer so a hose burst does not continue undetected for days

or weeks.   As the old saying goes, “An ounce of Prevention is worth a pound

of cure!”

Posted by Administrator

Directors & Officers Liability
April 22, 2009 8:29am

Why do I need D&O coverage?


Non-Profit Directors & Officers are legally responsible for the day-to-day decision making of their organizations.  Corporate responsibility applies to Non Profits  just as it does to For Profit organizations.  An organization's Directors & Officers can be held personally liable for any breach of duty.


Who is going to sue me?


Employees, members, volunteers and donors.  These are just a few of the parties who may bring suit against a Non Profit Organization.  Even if a director or officer has done nothing wrong, lawsuits must still be answered and defense can be costly.  Nearly 85% of Non Profits have an annual budget that is less than the average cost to defend a claim closed through litigation.

Posted by Administrator

Travel Insurance
April 22, 2009 8:28am
Travel Guard is pleased to announce the addition of trip cancellation coverage due to involuntary job loss or layoff on all four retail plans.  All insureds who have been actively employed at their current employer for a minimun of one year will be eligible for this enhanced coverage.  It is automatically included in the base plans.  Why not get a quote today?
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