Épisodes

  • Delivery Driver Runs Someone Over

    Delivery Driver Runs Someone Over
    Oct 14 2025
    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 min
  • Cash Vanishes From The Shop Overnight

    Cash Vanishes From The Shop Overnight
    Oct 7 2025
    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 min
  • Board Members Sued for Mismanaging Money

    Board Members Sued for Mismanaging Money
    Sep 16 2025
    You volunteer your time to serve on a nonprofit board, helping a cause you care about. But when the organization is accused of mismanaging funds, suddenly every board member is named in a lawsuit.
    In this episode of Is It Covered?, Bruce and Brian Chapman unpack what happens when boards—and their members—get sued. From nonprofit volunteers to corporate directors, these claims are more common (and more personal) than many realize.

    ✓ Why serving on a board can expose you to personal liability
    ✓ What Directors & Officers (D&O) insurance actually covers
    ✓ The difference between nonprofit boards and corporate boards in claims
    ✓ Why employment practices liability is often just as important

    Whether you sit on a nonprofit board, run a business, or are simply curious about what happens when board decisions go wrong, this episode will open your eyes to the protections you need.

    🎧 Listen now—and learn why even the best intentions don’t keep you out of court.

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

    #InsuranceClaim #DirectorsAndOfficers #BoardLiability #NonprofitBoard #BusinessInsurance #IsItCovered
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    8 min
  • Medical Bills After a Motorcycle Crash

    Medical Bills After a Motorcycle Crash
    Sep 9 2025
    A summer ride takes a sharp turn when a motorcycle crash leaves behind broken bones, smashed property, and one big question: who pays the medical bills?

    In this episode of Is It Covered?, Bruce and Brian Chapman break down a real crash scenario where a rider loses control, damages cars and fences, and ends up in the ER. The accident raises tough questions about motorcycle policies, liability, and where health insurance steps in.

    ✓ Why motorcycle insurance differs from auto insurance
    ✓ How liability coverage works when you damage property or injure others
    ✓ What happens to your own medical bills after a crash
    ✓ Why carrying higher limits (and an umbrella policy) can save you

    Whether you’re a biker, a homeowner, or just curious how these policies work, this one’s a must-listen before your next ride.

    🎧 Watch now—and find out how far your coverage really goes when the worst happens.
    Have a claim scenario you’d like us to cover? Email Brian@jdchapmaninc.com

    #InsuranceClaim #MotorcycleAccident #MedicalBills #MotorcycleInsurance #LiabilityCoverage #IsItCovered
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    8 min
  • When a Lemonade Stand Turns Into a Lawsuit

    When a Lemonade Stand Turns Into a Lawsuit
    Sep 2 2025
    It starts with a summer classic: kids setting up a lemonade stand at the end of the driveway. But what happens if the lemonade makes someone sick—or worse, causes an injury? Suddenly, fun and entrepreneurship can turn into medical bills, lawsuits, and big insurance questions.

    In this episode of Is It Covered?, hosts Bruce and Brian Chapman break down a real-world scenario where a child’s lemonade stand leads to potential liability claims. From homeowners coverage to the fine line between “just for fun” and “running a business,” we dig into how policies respond when things go wrong.

    ✓ How homeowners or renters insurance can cover kids’ activities
    ✓ Why liability protection matters, even for something as small as a lemonade stand
    ✓ When a side hustle crosses into “business” territory—and what that means for coverage

    Whether you’re a parent, homeowner, or insurance pro, this episode highlights how everyday activities can carry unexpected risks—and why the right coverage makes all the difference.

    🎧 Listen now—and learn where summer fun meets insurance liability.

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

    #InsuranceClaim #HomeInsurance #LemonadeStand #LiabilityCoverage #SummerClaims #IsItCovered #JDChapman
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    7 min
  • The Hidden Risk That Can Wreck Retirement

    The Hidden Risk That Can Wreck Retirement
    Aug 26 2025
    You’ve built up your savings, investments, and retirement plan—but one unexpected claim could derail it all. From out-of-pocket liability to asset protection, the overlap between insurance and wealth management might matter more than you think.

    In this episode of Is It Covered?, hosts Bruce and Brian Chapman sit down with a wealth advisor from Pitti Wealth Management to explore how financial planning and insurance go hand in hand. From protecting high-value assets to understanding the ripple effects of uncovered claims, we uncover the hidden risks that can threaten your financial future.

    ✓ How insurance plays a key role in wealth protection
    ✓ Why out-of-pocket claims can devastate retirement plans
    ✓ When umbrella policies and liability coverage become essential
    Whether you’re a homeowner, investor, or just planning for the future, this episode reveals how smart insurance choices protect not just your property—but your financial security.

    🎧 Listen now—and learn how to keep one claim from derailing your long-term goals.

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

    #InsuranceClaim #WealthManagement #FinancialPlanning #HomeInsurance #AssetProtection #IsItCovered
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    19 min
  • Tents, Fires and Forest Friends

    Tents, Fires and Forest Friends
    Aug 12 2025
    Ever wondered what happens if your cozy campfire goes rogue? In this sizzling episode of "Is It Covered?", Bruce and Brian Chapman of JD Chapman Insurance Agency tackle a scorching scenario: accidental forest fires while camping!

    😱Join our father-son duo as they break down:• The shocking truth about homeowner's liability for forest fires• Why your insurance might save your bacon (but not the trees)• How a simple campfire can turn into a million-dollar nightmarePlus, special guests Kevin and Trevor drop some fire-hot knowledge on risk mitigation and real-world liability hazards. You'll never look at a wrinkled restaurant rug the same way again!

    👀🔥 Hot takes:• "If you accidentally set a forest fire, your homeowner's liability would kick in." - Brian Chapman• "I pointed down at it and go, 'liability hazard!'"

    - Kevin's restaurant rug revelationDon't let your summer fun go up in smoke! Tune in for expert advice, laughs, and answers to the burning question: Is it covered?

    Subscribe now and email your wildest "Is It Covered?" scenarios to brian@jdchapmaninc.com. We might feature YOUR story in our next episode!
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    6 min
  • Returning From Vacation to a TRASHED Home

    Returning From Vacation to a TRASHED Home
    Aug 5 2025
    You’re soaking up the sun on vacation when a neighborhood teen decides your empty house is the perfect spot for a party. The result? Broken furniture, trashed rooms, missing valuables—and a big insurance question.

    In this episode of Is It Covered?, hosts Bruce and Brian Chapman are joined by Trevor Chapman (President of JD Chapman) and longtime agent Kevin Musi to break down a real-life “vacation vandalism” scenario. From property damage to stolen items and even liability if someone gets hurt, we explore how your homeowners policy might respond—and where gray areas can trip you up.

    ✓ How vandalism coverage works under a homeowners policy
    ✓ When valuables like jewelry or collectibles require extra coverage
    ✓ Why liability protection matters, even when you’re the victim

    Whether you’re a homeowner, an insurance agent, or just curious about how coverage works when things go wrong, this episode will change the way you think about leaving your home unattended.

    🎧 Listen now—and learn why good neighbors, the right coverage, and an umbrella policy might save you from a post-vacation nightmare.

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

    #InsuranceClaim #HomeInsurance #Vandalism #VacationGoneWrong #JDChapman #IsItCovered
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    8 min