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383 F. Street
P.O. Box 249
Phillipsburg, KS 67661

Phone: 1-800-569-0118
Fax: 785-543-2929

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Directions to our Office

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How to Manage Your Workers Compensation Claims

How can managing your Workers Compensation claims process protect every employee?

The first step is to file the claim right away. To this end, have claim forms available to all supervisors. Some companies keep forms near the first aid kit alongside the OSHA log. Management must acknowledge the problem to correct it, so keep good records. Keep any information regarding preferred doctors networks or nearest emergency care facility with the first aid kit. Maps to these facilities help in crisis management.

Because of the privacy laws, keeping records of employee health concerns (hypertension, diabetes, allergies to medicines) at the ready is tricky at best. Without making the records readily accessible by anyone, they need to be available to supervisors in an emergency. The insurance company has a depth of claims experience that no insured can have. If not treated properly, some injuries worsen over time. The company has a right to investigate and guide treatment and rehabilitation.

A delay in reporting that causes the situation to worsen may create coverage problems. Dutifully report all claims immediately. Allow the insurance company to investigate the claim. Usually, if the claim results in only medical bills and no lost time, the company will not spend time finding causation; but your company management needs to understand the progression of events that leads to any loss. Uncover the cause.

Were safety appliances, equipment, and personal protection in place and used properly?

When the employee was drug tested after the claim, was that an issue?

Use any claim as an opportunity to discuss safety at your next scheduled safety meeting. Discuss the following topics as collateral to the claim: Assure employees the injury is covered by Workers Compensation and the injured will be cared for properly. If the injured is at work, have them report on the level of care. Discuss the results of the investigation regarding the cause of the loss in neutral terms, but no personal information about the employee. This discussion is about future avoidance, not humiliation.

Remind employees of the drug testing policy and explain the policy aims to protect everyone. If the insurance company investigation implies fraud, fake injury, review safety rules or regulations in a more generic form. Perhaps discuss slips, trips, and falls prevention as opposed to that specific incident. Risk avoidance is your best measure against Workers Compensation injuries. Maintaining a safety culture with training, meetings, and management leadership keeps a workplace safer.

Having proper paperwork and first aid readily available reduces the lost production effect of injuries. The more prepared you are to handle an injury professionally, the more you protect your workforce. Manage ahead of the crisis with proper planning For more information on Workers Compensation or to obtain a new policy with us please feel free to contact us at 1-800-569-0118 or fill out the form located below.

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State Minimum Auto Liability, Is It Enough

State minimum insurance requirements are minimal. Most states demand less than $100,000 for bodily injuries and $50,000 for property damage. Some states require only $10,000 for property damage coverage.

How many cars valued at greater than $10,000 travel the highways? How many trucks carrying cargo are worth more than $10,000? $50,000? $100,000?

According to the 2010 census, the median family net worth exceeded $200,000. That amount includes houses, cars, savings, retirement funds, cash in the bank, college savings, and furniture and personal effects. Half the families are worth more, half have assets less than $200,000; all of it is hard earned.

If the family is underinsured for liability, their net worth is vulnerable to be seized in a lawsuit based on injuries or property damage caused by any family member driving a vehicle. The car owner and the car driver become parties to the suit.

Bodily injuries sustained in car wrecks devastate lives. People unable to work, the high cost of medical treatment, rehabilitation expenses, and the pain and suffering can only be compensated with money. The money comes from the insurance company or the liable party’s personal wealth.

Not convinced you need higher limits? Not all liabilities are released in bankruptcy. Many states have specific legislation disallowing debt reduction for certain accidents, most notably driving while intoxicated. Wage plans reduce take home pay by as much as 33%. Many employers do not tolerate either bankruptcy or wage garnishments.

Still not convinced? How about a selfish motivation?

Other drivers are either uninsured or underinsured. Most insurance companies will not provide uninsured motorist coverage in limits greater than the liability limits of the policy.

Uninsured and underinsured motorist coverage from your policy pays on behalf of the driver who hits you if they are poorly insured. In a classic exercise of the golden rule, insurance companies only sell limits commensurate with the protection you offer others.

Proper limits of liability allow you to protect yourself from the improper coverage other people maintain.

So how much coverage is enough? What are reasonable limits of liability?

Ask our insurance professionals. And consider this:

Your assets are your excess insurance coverage. This means that when the limits of your policy are reached, your assets are at risk. Excess insurance – Umbrella policies, for example – is available in $1 million layers over your Automobile and Homeowners liability limits if those limits qualify – are high enough. Protect yourself against underinsured drivers by increasing your uninsured motorist coverage.

To Find out more about your Auto Insurance policy or to obtain a new policy simply contact us at 1(800) 569-0118 or fill out our simple questioner located on our Products and Services page 

         Rodgers & Associates Insurance Inc.
383 F. Street
Phillipsburg, KS 67661
Fax: 785-543-2929
E-mail: [email protected]


Nothing But The Facts

Cars, we all love them as well as use them on a daily basis. In fact, we all use cars for our everyday needs. Because of this the odds of getting in a car accident increase dramatically. In today’s day and age motorist become distracted due to their handy dandy cellphones. As of right now there are 30 states that ban texting and driving as well as talking on the phone while operating a motorized vehicle. This leaves 20 states that have little to know bans against the use of cellphone use while driving thus increasing the chances of getting into an accident.

According to the National Highway Traffic Safety Administration (NHTSA) there were approximately 30,196 Fatal Crashes and 2,239,000 People injured in car accidents in 2010(1). I don’t know about you but that is just too much for me. Now just imagine what would happen if you lost that car for a week because of a car accident. Odds are you would go nuts because you would be stranded in the house. Then the cost alone for the repairs to your car would be through the roof.

You can prevent this from happening right here, right now, just by taking a couple of minutes to fill out one of our questioners located on our Products and Services page, or by contacting one of our agents.



What is Agricultural Insurance

Having trouble finding someone who will insure your Agricultural equipment? Well look no further.  Rodgers and Associates will insure you and your farming equipment. We cover it all from your Equipment all the way to Workers Compensation. The best part about it is that applying for a free quote is as simple as 1.2.3

Simply go to our blog and click the Products and Services. From there fill out our simple request form then hit submit. Then in as little as one business day one of our associates will contact you. It’s as easy as that. Don’t feel like waiting? Well we have a solution for that as well. All you have to do is give us a call at 1(800) 569-0118

Of course if you are already a customer and you are still looking to fulfill some of your others insurance needs we can help you out as well. We offer many different types of insurance that will meet your Commercial or Personal insurance needs. Just follow the same steps as before.

Don’t forget to “Like” us on Facebook, “Follow” us on Twitter, “Connect” with us on LinkedIn, and “Subscribe” to our blog.


Introducing Rodgers and Associates!

Why choose R&A?

 Rodgers and Associates
Rodgers and Associates
  • Experience

We have been providing quality insurance for all types of rural and farm business including Custom Harvest insurance for over 40 years. We are an Agribusiness firm and no risk is to small or to large.  We insure Long Haul Trucking, Cargo,Home, Auto, Farm Owners, Feed Mill and Elevator coverages.  We also are an excellent source for Life Insurance, Health Insurance, Annuities, IRA Accounts.

Every person in our office knows how to serve your account.

We strive to provide quality insurance at reasonable rates.

We can be reached 24/7 via telephone, fax, E-mail, or our website.  We want to be there for you.

We cater to the Agri Business at every level of production and service. We insure Custom Harvesters of all small grain and cotton and you will get the same attention if you run 1 or 20 machines. If you are a farm owner we can insure your home, auto, crops, and machinery.  If you own an Elevator, or are involved in agribusiness of any kind and we can help you with your risk management needs.  We are able to do all types of confined animal insurance, hogs, feed lots, etc. .  We have great irrigation rates for center pivots.  If you need any agri business protection check us out.

Customer Support
We sponsor and attend safety meetings to provide a safe work site.

Rodgers & Associates is committed to being one of the premier independent insurance agencies in Phillipsburg, Kansas. Our commitment is to provide customers with the best insurance value and service available, while maintaining the highest ethical standards and credibility with our clients, carriers, and the public.  From Phillipsburg, Kansas we serve clients in North Dakota, South Dakota, Minnesota, Iowa, Nebraska, Oklahoma, Texas, Missouri and Colorado.

Rodgers & Associates is a general independent insurance agency with a broad range of CommercialPersonalLife, and Health products. We’ve aligned ourselves with some of the finest carriers to deliver these products to you.

Established in the summer of 1970 as a one-man operation, Rodgers & Associates has grown to one of the premier insurance agencies in the Great Plains States.  From our location in Phillipsburg, Kansas we serve middle America.  Rodgers & Associates is currently owned and operated as a corporation and has over three decades of service history.

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