Updates

  • Review Your Insurance AnnuallyDecember 29, 2022

    It is a good idea to periodically (at least annually) assess how your insurance
    coverage compares to what you own or rent to and from others. A call to your
    insurance agent can assist in determining if you have adequate coverage.
    Be sure to mention what has changed since your policy was issued.

    Some changes are significant and can affect your coverage, so be
    sure and discuss any changes you have made. Adding or removing wood heat, other
    adults living in the home, renovations and purchases are examples of things you
    should discuss with your agent. Please don’t wait for a claim to happen before
    you contact your agent.

    Also consider an annual update to your personal inventory to be
    sure you have a current list of all your belongings. If you don’t already have
    a list, you can download a PDF file or order a hard copy
    booklet for tracking your home inventory from the Missouri
    Department of Insurance.

    This information is meant to be a broad overview and should not be the only source
    you consult for evaluating your risk management needs. Adherence to the above
    guidelines does not ensure coverage under your policy, nor does it guarantee
    your risk will be accepted by our company or that your property or operations
    are safe, healthful, or in compliance with laws, rules, or regulations.
    Coverage is determined by specific policy provisions, limitations and
    exclusions that can only be expressed in the policy itself.

    All Updates

  • Navigating Roadways in WinterDecember 23, 2022

    It’s officially winter, but Missouri has already experienced some winter weather. While the safest bet
    during winter weather is to stay off the roads, some travel may be necessary.
    If you must be on the road in such conditions, there are some things you can do
    to prepare for potential hazards:

    · Allow for extra travel time.

    · Travel at a safe speed and leave plenty of room between you and
    other cars.

    · Clear all surfaces of your car before you embark on your journey.

    · Be sure your cell phone is fully charged. Bring a charger along if you
    have one that works in the car.

    · Tell someone where you are going and how long you expect it to take
    you.

    · Make sure you have a full tank of gas in case you do become
    stranded.

    · Do not leave your vehicle if you become stranded. Tie a bright
    colored cloth to your antenna or door handle and attempt to contact
    emergency personnel via cell phone if you have one.

    · If stranded, drivers should start and run their car for 10 minutes every
    hour, using the heater. Be sure that your exhaust pipe and radiator
    are clear of packed snow before running your engine. While the
    engine is running, partially open a down-wind window to avoid carbon
    monoxide poisoning and to get fresh air into the vehicle. Keep the
    vehicle’s interior lights on while the engine is running. Avoid
    hypothermia by constantly moving your arms and legs; clapping
    hands will help keep you warm as well. Warning signs of hypothermia
    are memory loss, disorientation, incoherence, slurred speech,
    drowsiness, exhaustion, and uncontrollable shivering.

    This information is meant to be a broad overview and should not be the only source
    you consult for evaluating your risk management needs. Adherence to the above
    guidelines does not ensure coverage under your policy, nor does it guarantee
    your risk will be accepted by our company or that your property or operations
    are safe, healthful, or in compliance with laws, rules, or regulations.
    Coverage is determined by specific policy provisions, limitations and
    exclusions that can only be expressed in the policy itself.

    All Updates

  • Check Your CreditDecember 19, 2022

    As a consumer, you have a right to view your credit report from each of the three
    credit reporting agencies (Experian, TransUnion and Equifax) each year. Visit annualcreditreport.com to
    request the free report. You will have to pay to receive your credit score. It
    is important to review your report to verify that the credit information
    reported is accurate. Your credit report can affect your ability to finance
    items like houses and cars, and it can even affect your potential employment or
    your insurance rates. For more information on requesting the report, along with
    instructions for what you can do if you find errors, visit the Federal Trade Commission website.

    If you have minor children, you can ask the credit bureaus if a
    credit report exists for them. The Consumer Financial Protection Bureau (CFPB)
    has an article with tips on how to do that. You can
    request the file from any of the three bureaus. This is especially important if
    you believe your child may have been the victim of identity theft. If you
    discover that your child has a credit file, you can dispute the error. This tip sheet from the CFPB includes
    information on how to dispute the credit file for your child.

    This information is meant to be a broad overview and should not be the only source
    you consult for evaluating your risk management needs. Adherence to the above
    guidelines does not ensure coverage under your policy, nor does it guarantee
    your risk will be accepted by our company or that your property or operations
    are safe, healthful, or in compliance with laws, rules, or regulations.
    Coverage is determined by specific policy provisions, limitations and
    exclusions that can only be expressed in the policy itself.

    All Updates

  • Identity Thieves Hone in on Busy Shoppers and TravelersDecember 14, 2022

    While you’re making plans for the holidays with family and friends, cyber criminals are looking for
    opportunities to steal your identity and commit financial frauds. Between 2014
    and 2018, there was a 109% increase in holiday identity fraud. There are
    five ways individuals experience greater risk of identity theft around the
    holidays:

    1. You’re distracted. As you rush around to stores and holiday parties,
    you’re more likely to forget your purse, lose your wallet or have
    a credit card stolen. When you’re distracted, you are less likely to spot
    a phishing email before it’s too late.

    2. You use public WiFi or charging stations. Public WiFi networks are
    not secured by a password, and when you use your device on an
    open network, your data is at risk of being stolen. The best rule is
    never to use public WiFi and especially not for financial transactions
    and shopping. A newer vulnerability exists at public charging stations.
    Data thieves hack into these stations and “juice jack” unsuspecting
    victims’ devices by pulling data through the USB cords on phones.

    3. You are bargain hunting online. Research shows that 43% of holiday
    shopping identity theft occurs online. One minute you’re Googling
    frantically for hard-to-find holiday gifts and the next minute, you’ve
    suddenly found them in stock and unbelievably priced for a fire sale.
    Watch out! This is how bargain hunters get suckered into fake web
    stores. They steal your card number and identity…and you don’t even
    get the items you bought.

    4. Your credit card gets “skimmed.” Sometimes thieves insert a credit
    card skimmer inside the card machines in gas stations, retail stores
    or restaurants. Unbeknownst to the store, every customer’s credit
    card information is being swiped by cybercriminals.

    5. You fall for a holiday charity scam. You’re feeling extra generous
    during the holiday season and you give generously when asked for
    charitable donations. Unfortunately, some criminals use fake charities
    to tug on your holiday heartstrings. Do your homework before donating.

    All Updates

  • Security Tips for the Holiday SeasonDecember 06, 2022

    Just a few friendly reminders on how you can take steps to help protect your home from burglars and
    other potential harm if you plan to be away from home this holiday season.
    Portions of this were taken from an article on www.safewise.com.

    1. If you can afford a home security system or security cameras of any kind,
    those are both great ways to protect your home. If you can’t afford those,
    you can try putting a security sign in your yard or setting up a dummy camera
    to convince would-be burglars that you do have one.

    2. Don’t advertise your travel plans on social media.
    That just gives burglars a precise schedule to
    find your home unoccupied. Post those pics after you return home.

    3. Install motion sensors on any outdoor lights you have. Use a timer
    on Christmas lights to make sure they come on as scheduled while
    you are gone.

    4. Consider leaving on a radio or TV during the day that could convince
    a burglar that someone is in the home.

    5. This seems pretty obvious, but lock your doors and windows. This
    includes keeping your garage door closed as much as possible.
    An open garage door may seem like an invitation, and it
    shows off your stuff to passersby.

    6. If you are going to be away for more than a couple of days,
    have the Post Office hold your mail and stop any newspaper deliveries.
    You could also ask a friend or trusted neighbor to pick up your mail and papers.
    Nothing signals an absence like a pile of newspapers in the driveway.

    7. Be friendly to your neighbors. Having a good relationship with those
    who live around you can supply an additional layer of security for your
    home. They can keep an eye out when you are gone, and you can
    return the favor when they leave home.

    8. Reduce the landscaping around your home.
    This may seem like an odd addition to the list, but bushes
    and shrubs around a home make good hiding spots.

    9. At Christmastime, keep packages out of view of the windows.
    Passersby shouldn’t be able to tell how many packages little Suzie
    has under the tree.

    10. Consider contacting your local police department to do a check of
    your house. They might be able to suggest things you could do to
    improve security.

    This information is meant to be a broad overview and should not be the only source
    you consult for evaluating your risk management needs. Adherence to the above
    guidelines does not ensure coverage under your policy, nor does it guarantee
    your risk will be accepted by our company or that your property or operations
    are safe, healthful, or in compliance with laws, rules, or regulations.
    Coverage is determined by specific policy provisions, limitations and
    exclusions that can only be expressed in the policy itself.

    All Updates

  • All is Calm, All is BrightNovember 29, 2022

    Hanging outdoor lights is a popular tradition, and many people enjoy taking their
    decorating game to the next level, and still more like seeing elaborately
    decorated homes and businesses. Whether you are an avid, experienced
    light-hanger or a first-timer, there are lots of things to consider and some
    safety to keep in mind. This post from Lowe’s offers some basic tips for
    anyone wishing to light up their home this Christmas. Make sure you have the
    right tools and be safe out there displaying your holiday spirit!

    This information is meant to be a broad overview and should not be the only source you consult for evaluating
    your risk management needs. Adherence to the above guidelines does not ensure
    coverage under your policy, nor does it guarantee your risk will be accepted by
    our company or that your property or operations are safe, healthful, or in
    compliance with laws, rules, or regulations. Coverage is determined by specific
    policy provisions, limitations and exclusions that can only be expressed in the
    policy itself.

    All Updates

  • Tips to Avoid Familiar FraudNovember 21, 2022

    This post comes from CyberScout, one of Barton Mutual’s partners in providing cyber liability
    insurance to our policyholders. If you are interested in cyber insurance for
    yourself or your small business, contact one of our independent agents today.

    1. Use strong passwords and password protect computers and mobile devices. If you have trouble keeping
    track of passwords, consider a password generation and storage tool.

    2. Always keep passwords and PIN numbers private—even from friends and family.

    3. Share minimal personal information on social media.

    4. Set social media privacy options to conservative levels.

    5. If you have young children, ask the credit bureaus whether a credit file exists for your child.
    If yes, place a credit freeze on the file and start to remediate any fraud.

    6. List a fake birthday on nonofficial sites such as social media. Pick one you can easily remember that is
    close to your birthday, but a little different.

    7. Obtain a credit and identity monitoring service to stay vigilant against familiar fraud and other
    financial identity theft.

    All Updates

  • Military Family AppreciationNovember 15, 2022

    The month of November has been proclaimed a
    month to celebrate veterans and military families. We are extremely grateful to
    all the men and women who serve this great nation in our military branches. We
    also know that those brave souls depend on their families for love and support
    while at home and serving abroad. To enlist in the military is to accept that
    personal sacrifice must be made, and the family members who stand beside those
    servicemen and women have sacrifices to make as well. To all who serve and who
    have served and to those who love those service members, you have our eternal
    gratitude.

    All Updates

  • Safe Online Shopping GuidanceNovember 08, 2022

    Smartphones and the Internet have revolutionized the way consumers shop. Armed with a few search
    terms and simple clicks, we can find items, compare prices, read product
    reviews, order, and pay for all types of items from electronics, appliances,
    and tools to furniture, clothes, and groceries. Often, consumers also have the
    power to choose whether purchases will be picked up in store or delivered right
    to our doorstep. Any way you look at it, online shopping is a fast and
    convenient way to buy what we want and need.

    Online convenience also comes with some risk. Sometimes consumers don’t receive exactly what they
    ordered; get scammed by fraudulent websites; or become victims of identity
    theft and/or loss. Cybercriminals are opportunistic, and they will be seeking
    to exploit the growth in online shopping this holiday season. But don’t worry,
    with a little preparation and vigilance, consumers can safely and securely shop
    online and avoid falling victim to scams.

    Since cybercrime is largely motivated by money, that makes Black Friday and Cyber Monday very
    attractive targets for cybercriminals. And that means increased phishing
    attempts that try to get you to reveal personal information, account
    credentials, and credit card numbers. Through email, fake ads, and illegitimate
    websites, cybercriminals are hoping some unwitting consumers will let their
    guard down in the rush to secure the best deals before they’re gone.

    Since consumers often spend more than usual during the holiday season, it’s easy to lose focus when
    an email or text message arrives under the guise of your credit card provider
    or bank regarding a suspicious transaction or frozen account. Without prior
    awareness of these scams, some consumers mistakenly click on links or share
    their personal information. Instead, consumers should be aware of these and
    other common attacks and use caution to avoid falling victim.

    Knowledge is power. Enjoy your online shopping experience by following best practices and increase
    your awareness of common scams. These eight tips can help you get the deals and
    avoid the scams:

    1. Use familiar websites and know thy vendors.
    Before providing any personal or financial information, be sure
    that you are doing business with a reputable, established vendor. Verify the
    legitimacy of the website by reviewing certificate information, including who
    it was issued to. Check the BBB’s online directory and scam tracker or search
    retailer reviews on Google.

    2. Look for the ‘s’ and the lock.
    Always look for the security symbol, such as an unbroken padlock in the address
    bar and URLs that start with ‘https’. This ensures that your information is
    protected with encryption.

    3. Avoid phishing and social engineering attacks.
    Be wary of unsolicited email requesting information from you,
    such as fake invoices or shipping notifications. Legitimate businesses don’t
    ask for information via email. Instead of responding to the email or clicking
    on links, type in the merchant’s authentic website address yourself and log in
    to check your account.

    4. Be aware of common tricks.
    Educate yourself about common online scams to avoid falling for
    too-good-to-be-true deals, including rock-bottom prices form unknown internet
    retailers, fake ads and social media offers, gift card scams, and more.

    5. Use credit, not debit.
    Credit cards offer an extra level of protection from fraudulent charges that may not be available
    with a debit card. You can add additional purchase protections by using a
    payment gateway like PayPal, Good Wallet, or Apple Pay. Secure payment gateways
    stop purchase data from being intercepted by hackers.

    6. Monitor your statements and verify receipts.
    Keep records of your purchases, including confirmation pages or
    email receipts, to compare with your bills and statements. If there is a
    discrepancy, report it immediately.

    7. Always use strong passwords.
    Simple and commonly used passwords allow hackers to easily gain access and control of your online
    accounts, change shipping addresses, and make purchases using your credit
    cards.

    8. Don’t purchase over public Wi-Fi.
    If you shop using your mobile phone, stay on your carrier’s cellular network.
    Free public Wi-Fi can be much less secure.

    CyberScout®—We’ll take it from here.™

    CyberScout is leading the charge against hackers and thieves, providing identity management, credit
    monitoring and cyber security for more than 17.5 million households and 770,000
    businesses. Contact your bank, credit union, insurance company or employer to
    find out if they offer CyberScout services.

    This information is meant to be a broad overview and should not be the only source
    you consult for evaluating your risk management needs. Adherence to the above
    guidelines does not ensure coverage under your policy, nor does it guarantee
    your risk will be accepted by our company or that your property or operations
    are safe, healthful, or in compliance with laws, rules, or regulations.
    Coverage is determined by specific policy provisions, limitations and
    exclusions that can only be expressed in the policy itself.

    All Updates

  • Winter is ComingNovember 04, 2022

    Like it or not, colder weather is bearing down on Missouri. As we press on toward winter, make sure
    your property is prepared and your insurance policy is equipped to provide
    coverage in the event of a winter weather loss.

    · Always maintain heat during winter months, even in vacant dwellings/businesses. If you are going to be away
    from your home, you can reduce the heat so it won’t run as much, but ensure
    it’s not too low, as water lines in exterior walls could freeze in times of
    extreme wind chill or temperature drops.

    · Winterize your pipes when possible and, again, maintain heat at an appropriate level; simply leaving
    it above freezing will most likely not be sufficient. Freezing pipes and the
    resulting damage may not be a covered loss under certain types of insurance
    policies. In addition, policies that do contain coverage for the peril of
    freezing may not cover loss that results from your failure to maintain heat or
    properly winterize the structure.

    · Turn off the water and winterize the lines at your home if you’re leaving for a few days. This can
    mitigate the possibility of a water-related loss while you are away.

    Check with your insurance company or agent if you need help understanding your policy, and
    brace yourself for winter!

    This information is meant to be a broad overview and should not be the only source you consult
    for evaluating insurance coverage or purchase. The description of coverages and
    programs are purposely brief and are subject to specific policy provisions,
    limitations and exclusions that can only be expressed in the policy itself. For
    a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • National Cyber Security MonthOctober 25, 2022

    Every day, we place our private data in the hands of other companies and individuals and trust them to keep it safe. Every day, bad actors are trying to steal that data. Unfortunately, some of them succeed.

    T-Mobile recently announced a data breach affecting 7.8 million customers. They estimate an additional 40 million records were stolen from past or prospective customers.

    While no one can guarantee you protection from such a breach, you can take steps to insulate yourself from the aftermath of a stolen identity or other cybercrimes. Barton Mutual has partnered with Berkley Re to offer cyber liability coverage on many of our policies.

    For our commercial policies, the coverage is optional and will offer assistance with a breach:
    The Standard Aggregate inclusive of all coverages above is $25,000, with optional limits available of $50,000, $100,000 and $250,000. These coverages include additional services, such as:
    For most owner-occupied personal lines policies, the coverage is included and provides the following benefits:
    Services for personal lines coverage include:

    • First-Party Privacy Breach Expense, including up to $10,000 each for Extortion Threat Expenses, and Data Replacement and System Restoration Expense
    • Third-Party Cyber Liability Coverage, including up to $10,000 for PCI Fines
    • Regulatory Proceeding Claim Expense, including up to $10,000 for Regulatory Fines
    • Optional First-Party Business Interruption, which equals 25% of the aggregate limit.
    • Notification letter preparation, printing and mailing
    • Toll free number to Sontiq’s Resolution Center
    • Call handling
    • Credit monitoring and fraud alerts
    • Fraud resolution services
    • Investigative and forensic services
    • Online Extortion. Expenses and ransom paid for threats to cause a network disruption.
    • Cyber Bullying Response. Costs for counseling, tutoring, temporary relocation, tuition expense.
    • Identity Theft. Costs and help in reclaiming your policyholder’s identity.
    • System Compromise. Data recovery and system restoration needs.
    • Internet Clean Up. Expenses associated with removing false statements on the internet.
    • Breach Cost. Costs associated with notification, investigation and monitoring a breach.
    • Social Engineering. Costs that arise from the intentional misleading of an individual which leads to the insured willingly sending money to a fraudster.

    Identity Management
    Ransomware
    Breach Protection
    Educational Services
    Sontiq Claims
    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    • Provides unlimited 24/7 service and support to help minimize damage and resolve identity theft incidents.
    • Diagnose the issue and implement a plan to protect data.
    • Get access to highly experienced professionals with deep expertise in information security, data privacy and governance.
    • Receive customized ransomware risk assessment and prevention services.
    • Investigation of a breach and corresponding legal requirements.
    • Notification services to alert anyone affected by a breach.
    • Monitoring provided for those affected by a breach.
    • Partnership with Nobully.org, a nonprofit working to eradicate cyberbullying worldwide.
    • Alerts on the latest scams, fraud attempts and ways to prepare.
    • Alerts on the latest malware and how to stay safe online.
    • Personalized handling of any cyber liability claim.

    All Updates

  • Get Smart About CreditOctober 20, 2022

    As a consumer, you have a right to view your credit report from each of the three
    credit reporting agencies (Experian, TransUnion and Equifax) each year. Visit annualcreditreport.com to
    request the free report. You will have to pay to receive your credit score. It
    is important to review your report to verify that the credit information
    reported is accurate. Your credit report can affect your ability to finance
    items like houses and cars, and it can even affect your potential employment or
    your insurance rates. For more information on requesting the report, along with
    instructions for what you can do if you find errors, visit the Federal Trade Commission website.

    If you have minor children, you can ask the credit bureaus if a
    credit report exists for them. The Consumer Financial Protection Bureau (CFPB) has
    an article with tips on how to do that. You can
    request the file from any of the three bureaus. This is especially important if
    you believe your child may have been the victim of identity theft. If you
    discover that your child has a credit file, you can dispute the error. This tip sheet from the CFPB includes
    information on how to dispute the credit file for your child.

    This information is meant to be a broad overview and should not be the only source
    you consult for evaluating your risk management needs. Adherence to the above
    guidelines does not ensure coverage under your policy, nor does it guarantee
    your risk will be accepted by our company or that your property or operations
    are safe, healthful, or in compliance with laws, rules, or regulations.
    Coverage is determined by specific policy provisions, limitations and
    exclusions that can only be expressed in the policy itself.

    All Updates

  • World Mental Health DayOctober 10, 2022

    According to the National Alliance on Mental Illness, one in
    five US adults struggles with a mental illness. This life brings us much joy,
    but it also brings high stress levels, mood swings, and bad eating habits. The
    best way to beat that mindset is to take care of yourself, disclose the situation
    to others, and get additional support. For more tips on what steps are next please
    visit http://www.bcmhsus.ca/about/news-stories/stories/10-tips-to-boost-your-mental-health
    or https://www.nami.org/Your-Journey/Individuals-with-Mental-Illness.

    All Updates

  • Financial Planning MonthOctober 03, 2022

    Adequate insurance coverage is animportant part of any financial plan. Some common areas that may be overlooked
    include home-based business coverage, equipment breakdown coverage, insured
    values on property (especially if improvements have been made), and ACV vs.
    replacement cost coverage. It might also be a good idea to review the
    deductible on your policies to be sure you are financially capable of assuming
    that cost in case of a covered loss. Your insurance agent can help you
    understand your coverages and determine if you are adequately covered in case of a loss.

    Please reach out to us if you need help understanding any of the coverages on any
    policy you have written with us. You can reach our office at 417-843-6265
    Monday-Friday 8:00 AM – 4:30 PM Central. You can also email
    our Customer Service department any time.

    This information is meant to be a broad overview and should not be the only source
    you consult for evaluating your risk management needs. Adherence to the above
    guidelines does not ensure coverage under your policy, nor does it guarantee
    your risk will be accepted by our company or that your property or operations
    are safe, healthful, or in compliance with laws, rules, or regulations.
    Coverage is determined by specific policy provisions, limitations and
    exclusions that can only be expressed in the policy itself.

    All Updates

  • Why did the Limit on my Dwelling/Building Increase?August 16, 2022

    Barton Mutual employs an automatic increase feature in most of our policies. Sometimes known as inflation guard, this feature increases your dwelling/building coverage when the policy renews to help keep up with inflation and the rising costs of building materials and construction. Though we increase your dwelling/building coverage annually, this is no guarantee your dwelling/building is adequately insured. It is the responsibility of the policyholder to determine adequate coverage. Contact your agent if you need help determining the adequate coverage amount for your property. It is also important that you notify your agent if you make significant changes that increase the value of your property.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Fun on the Water!May 31, 2022

    ski boat


    This weekend will signal the start of summer for many folks. Lakes across the state will welcome visitors for water recreation. Don’t find yourself in hot “water”—make sure you are adequately covered for this exposure. Property coverage for your boat and related equipment can be added to most of our personal lines policies. Also, liability coverage is available to protect you in the event a covered lawsuit is filed against you resulting from the use of your watercraft. Contact one of our local agents for a quote today.

    All Updates

  • Risky DataMay 03, 2022

    When our lives move quickly, we sometimes risk data security in exchange for convenience or instant gratification. However, seemingly small decisions result in deep and lasting consequences if you lose your identity. Here are a few common scenarios that pose outsized risk to your security:

    • You receive an offer in the mail that you don’t want—so you just throw it in the trash, not realizing that there’s a lot of information about you inside.
    • You’re having fun on vacation but remember your electric bill is due, so you log into online banking using public WiFi at the nearest coffee shop.
    • An online store requires you to set up an account and provide additional data prior to your purchase—but the website is “http” (or unsecured). When you set up the account, you used the same password you always do—Fifi12345 after your beloved dog.
    • After getting cash, you drove away and left your receipt hanging in the ATM.
    • Your friends all played a question game on Facebook, so you played too. Your answers revealed personal information that could help a hacker answer your “forgot my password” questions, such as your pet’s name, your first car, etc.

    These are common mistakes people make every day. More than one in four Americans don’t shred their mail, leaving personal information intact for dumpster-diving fraudsters. 1 A recent Experian study revealed that 70 percent of consumers globally are “willing to share more personal data” with online organizations, especially if they believe it will provide greater security or convenience. 2 Two in three adults admit to reusing passwords. 3

    We have partnered with Sontiq to offer comprehensive identity management services.

    1 “Poll: Americans Leave Their Personal Information Open to Thieves,” Creditcards.com, February 2019

    2 2019 Global Identity and Fraud Report, Experian

    3 “Google Survey Finds Two in Three Users Reuse Passwords,” Info Security Magazine, February 2019

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Protect Your Tax Return From Identity ThievesApril 04, 2022

    tax fraud 2021


    Over the past several years, the IRS actions against tax identity fraud were successful in driving down the rate of tax fraud. Then the COVID-19 pandemic happened. The IRS extended due dates and become bogged down trying to process returns while keeping their employees safe. Additionally, U.S. stimulus payments were administered as tax refunds and the Federal government enhanced state unemployment benefits. Identity thieves had more financial incentive than ever before to commit tax and benefits fraud.

    The impact was immediate: By the end of February 2020, tax return identity theft was already up 751% year over year.1 By June, 892,777 tax returns had been flagged by the IRS for potential identity theft.2 But there’s good news—you can take steps now to protect your identity as well as any tax refunds or stimulus payments due to you in 2022.

    How tax return fraud happens

    Tax-related identity theft can leave taxpayers bewildered and frustrated, but the mechanics of it are fairly simple. First, identity thieves obtain sensitive information about you including your name, address, and personal tax identification number. They can either buy the information from criminal sources or trick you into giving it to them through phishing or phone scams. Then they use it to file a tax return using a false address or post office box and wait for the refund check to roll in.

    Warning signs of tax return fraud

    There are several warning signs that indicate you may be a victim of tax return fraud:

    • The IRS or other taxing authority rejects your attempt to file your tax return.
    • The taxing authority requests verification of your identity, indicating something may be amiss.
    • Income is reported by two or more employers, most likely because someone else has used your tax identification number to gain employment. Your return could be flagged for failing to pay sufficient taxes on wages or to report all wages.3

    Take advantage of the new IRS Identity Protection PIN

    In January, the IRS expanded the Identity Protection PIN Opt-In Program to all taxpayers who can verify their identities.4 The Identity Protection PIN (IP PIN) is a six-digit code you establish with the IRS that is only known by the agency and you. The IP PIN provides a good way to lock out identity thieves and prevent them from filing fraudulent tax returns using your personal information. The IP PIN is valid for one calendar year, so mark your calendar to obtain a new one at the start of each year.

    Resolve tax-related identity theft

    If you discover you have become a victim, follow these steps:

    1. Contact your taxing authority and fill out identity theft paperwork.
    2. File your correct return using the instructions they provide you.
    3. Contact the credit bureaus and place a fraud alert on your account.
    4. Respond promptly to all correspondence from your taxing authority.
    5. Keep excellent records of all of your correspondence and filings.
    6. Add a credit monitoring and identity protection service to identify any further identity theft or fraud in other areas of your life.

    We have partnered with Sontiq to offer comprehensive identity management services. Contact a local independent agent today to see how you can get a policy containing cyber protection with Barton Mutual.

    1 “Interim Results of the 2020 Filing Season,” Treasury Inspector General for Tax Administration, April 7, 2020.

    2 “Interim Results of the 2020 Filing Season: Effect of COVID-19 Shutdown on Tax Processing and Customer Service Operations and Assessment of Efforts to Implement Legislative Provisions,” Treasury Inspector General for Tax Administration, June 30, 2020.

    3 “Taxpayer Guide to Identity Theft,” IRS website, page updated October 22, 2019.

    4 “All taxpayers now eligible for Identity Protection PINs,” IRS, January 12, 2021.

    All Updates

  • Groundhogs as MeterologistsJanuary 24, 2022

    Groundhog


    Have you ever wondered why we have Groundhog Day and how February 2 was chosen? According to an article on History.com, the “holiday” was first celebrated on February 2, 1887. That day falls about midway between the winter solstice and spring equinox. The groundhog made famous at that event, Punxsutawney Phil, only has about a 50% success rate in predicting the severity of our remaining winter. Another famous rodent, Staten Island Chuck, actually boasts an 80% success rate.

    One thing we know for sure: the spring equinox comes on March 20. From now until then (and beyond), we can count on the weather in Missouri being unpredictable no matter what the groundhog says!

    All Updates

  • Berkley Re Solutions and Barton Mutual to Bring a New Workplace Violence Program Solution to MarketNovember 04, 2021

    Liberal, MO — Berkley Re Solutions and Barton Mutual announce the creation of a new Workplace Violence Protection insurance program available January 1, 2022 to all of Barton’s existing commercial customers and new business, as an endorsement to Barton’s commercial lines policies.

    “Unfortunately, workplace violence is a reality. Businesses, both large and small, located in the city or in rural areas, are too often faced with these devastating events. The insurance industry has long been trusted to help businesses in their greatest times of need. Bringing this combined insurance and services solution quickly to our customers and agents continues our solemn responsibility and commitment,” said Brian King, President/CEO, Barton Mutual.

    Greg Douglas, President, Berkley Re Solutions said, “We developed this new, reinsured, turn-key program with guidance and input from multiple commercial insurance carriers across the U.S. We’re delighted that Brian, his leadership team, and their Board decided to move swiftly to have Barton Mutual partner with us as the first commercial insurance carrier in Missouri, and the United States, to offer this important program. Barton’s commitment to their agents and insureds has been abundantly clear as we’ve worked to quickly implement this Workplace Violence product.”

    The Workplace Violence insurance program offers 10 unique coverages/services, including crisis management, business income, mental health counseling, public relations expense, security services, and more. With a broad coverage cause of loss, coverage also includes an off-premises extension that follows insureds where they go while conducting their business. And while indemnification is important, the crisis management services are critical to the overall solution and are included automatically. What insureds desperately need in these devastating times are experts who know how to guide insureds through these complicated events.

    About Barton Mutual:

    Barton Mutual has provided property and casualty coverage since 1894, extending throughout the state of Missouri from Main Street in Liberal. More than 450 agency locations in the state function as points of sale for Barton Mutual Insurance. Barton Mutual Insurance Company has been assigned a Financial Stability Rating® of A, Exceptional, from Demotech, Inc. For more information about Demotech or FSRs, visit www.demotech.com or call (800) 354-7207. For more information about Barton Mutual, please visit https://bartonmutualgroup.com/.

    About Berkley Re Solutions:

    Berkley Re Solutions, a Berkley Company®, is the innovative choice to provide collaborative product development, insurance and reinsurance solutions for you and your multiple stakeholders. We are dedicated casualty reinsurance specialists and provide exceptional financial security and utilize global knowledge and expertise to offer you thoughtful solutions. We operate locally and focus on producing industry leading returns with and for our clients. For more information, please visit https://www.berkleyre.com/solutions/custom-turnkey-solutions/workplace-violence-coverage/.

    Reinsurance products and services may be provided by one or more insurance company subsidiaries of W. R. Berkley Corporation. Not all such products and services are available in every jurisdiction, and the precise coverage afforded by any insurer is subject to the actual terms and conditions of the policies as issued. Berkley Re Solutions is a member company of W. R. Berkley Corporation, whose insurance company subsidiaries are rated A+ (Superior) by A.M. Best Company.

    All Updates

  • October is Financial Planning MonthOctober 22, 2021

    Financial Planning


    Adequate insurance coverage is an important part of any financial plan. Some common areas that may be overlooked include home-based business coverage, equipment breakdown coverage, insured values on property (especially if improvements have been made), and ACV vs. replacement cost coverage. It might also be a good idea to review the deductible on your policies to be sure you are financially capable of assuming that cost in case of a covered loss. Your insurance agent can help you understand your coverages and determine if you are adequately covered in case of a loss.

    Please reach out to us if you need help understanding any of the coverages on any policy you have written with us. You can reach our office at 417-843-6265 Monday-Friday 8:00 AM – 4:30 PM Central. You can also email our Customer Service department any time.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Prepare for WinterOctober 19, 2021

    frozen piep

    Like it or not, winter is just around the corner. As temperatures drop in the coming weeks, make sure your property is prepared and your insurance policy is equipped to provide coverage in the event of a winter weather loss.

    • Always maintain heat during winter months, even in vacant dwellings/businesses. If you are going to be away from your home, you can reduce the heat so it won’t run as much, but ensure it’s not too low, as water lines in exterior walls could freeze in times of extreme wind chill or temperature drops.
    • Winterize your pipes when possible and, again, maintain heat at an appropriate level; simply leaving it above freezing will most likely not be sufficient. Freezing pipes and the resulting damage may not be a covered loss under certain types of insurance policies. In addition, policies that do contain coverage for the peril of freezing may not cover loss that results from your failure to maintain heat or properly winterize the structure.
    • Turn off the water and winterize the lines at your home if you’re leaving for a few days. This can mitigate the possibility of a water-related loss while you are away.

    Check with your insurance company or agent if you need help understanding your policy, and brace yourself for winter!

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • National Preparedness MonthSeptember 09, 2021

    NPM 2021


    September is National Preparedness Month! Having a plan for when disaster strikes at home, at work or on the go can make a huge difference in the impact an event will have on you and your family. Visit http://www.ready.gov/september to see the recommended plans for the month.

    In the spirit of preparedness, don’t forget to read your insurance policy and check with your insurance agent to be sure you are protected against disasters that might happen in your area. Take some time to inventory your belongings in case the unthinkable happens. The National Association of Insurance Commissioners (NAIC) has developed a downloadable PDF to help you catalog those. Creating a home inventory will also help you determine if you have enough coverage for your belongings. Consult your licensed insurance agent for assistance in understanding or altering your coverages.

    The biggest hurdle to overcome in being prepared is planning. While we all hope we won’t need to use our plans, disaster can strike anywhere at any time.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Your Cyber Security MattersAugust 18, 2021

    cyber security


    Every day, we place our private data in the hands of other companies and individuals and trust them to keep it safe. Every day, bad actors are trying to steal that data. Unfortunately, some of them succeed.

    T-Mobile recently announced a data breach affecting 7.8 million customers. They estimate an additional 40 million records were stolen from past or prospective customers.

    While no one can guarantee you protection from such a breach, you can take steps to insulate yourself from the aftermath of a stolen identity or other cybercrimes. Barton Mutual has partnered with Berkley Re to offer cyber liability coverage on many of our policies.

    For our commercial policies, the coverage is optional and will offer assistance with a breach:

    • First-Party Privacy Breach Expense, including up to $10,000 each for Extortion Threat Expenses, and Data Replacement and System Restoration Expense
    • Third-Party Cyber Liability Coverage, including up to $10,000 for PCI Fines
    • Regulatory Proceeding Claim Expense, including up to $10,000 for Regulatory Fines
    • Optional First-Party Business Interruption, which equals 25% of the aggregate limit.

    The Standard Aggregate inclusive of all coverages above is $25,000, with optional limits available of $50,000, $100,000 and $250,000. These coverages include additional services, such as:

    • Notification letter preparation, printing and mailing
    • Toll free number to Sontiq’s Resolution Center
    • Call handling
    • Credit monitoring and fraud alerts
    • Fraud resolution services
    • Investigative and forensic services

    For most owner-occupied personal lines policies, the coverage is included and provides the following benefits:

    • Online Extortion. Expenses and ransom paid for threats to cause a network disruption.
    • Cyber Bullying Response. Costs for counseling, tutoring, temporary relocation, tuition expense.
    • Identity Theft. Costs and help in reclaiming your policyholder’s identity.
    • System Compromise. Data recovery and system restoration needs.
    • Internet Clean Up. Expenses associated with removing false statements on the internet.
    • Breach Cost. Costs associated with notification, investigation and monitoring a breach.
    • Social Engineering. Costs that arise from the intentional misleading of an individual which leads to the insured willingly sending money to a fraudster.

    Services for personal lines coverage include:

    Identity Management

    • Provides unlimited 24/7 service and support to help minimize damage and resolve identity theft incidents.

    Ransomware

    • Diagnose the issue and implement a plan to protect data.
    • Get access to highly experienced professionals with deep expertise in information security, data privacy and governance.
    • Receive customized ransomware risk assessment and prevention services.

    Breach Protection

    • Investigation of a breach and corresponding legal requirements.
    • Notification services to alert anyone affected by a breach.
    • Monitoring provided for those affected by a breach.

    Educational Services

    • Partnership with Nobully.org, a nonprofit working to eradicate cyberbullying worldwide.
    • Alerts on the latest scams, fraud attempts and ways to prepare.
    • Alerts on the latest malware and how to stay safe online.

    Sontiq Claims

    • Personalized handling of any cyber liability claim.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • National Insurance Awareness Day 2021June 28, 2021

    Monday, June 28 has been designated National Insurance Awareness Day. Your agent is ready to assist you in reviewing your insurance coverage and any potential needs for coverage. You should consider carrying insurance for property you own, property you rent to or from others, and liability for your personal protection. A call to your agent can assist in determining if you have adequate coverage. Be sure to mention what has changed since any of your existing policies were issued.

    Some changes are significant and can affect your coverage, so be sure and discuss any changes you have made. Adding or removing wood heat, other adults living in the home, renovations and purchases are examples of things you should discuss. Please don’t wait for a claim to happen before you contact your agent!

    Also consider an annual update to your personal inventory to be sure you have a current list of all your belongings. If you don’t already have a list, you can download a PDF file or order a hard copy booklet for tracking your home inventory from the Missouri Department of Insurance: https://insurance.mo.gov/consumers/home/homeinventorychecklist.php.

    We would love the opportunity to serve you by providing for your insurance needs. Find an independent agency in your area that represents our company: https://bartonmutualgroup.com/agents.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by an insurance company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Tips to Prevent Loss While Working From HomeMay 12, 2021

    family working at home


    More people than ever are working at home and taking classes from home, and they are doing it with more people in the home. This can lead to additional loads on electrical systems and devices. In a recent issue of the Mutual Boiler Re Gears in Motion, they addressed ways you can help prevent loss while working from home. For tips on maintaining the life of your technology devices or appliances, read their article: https://www.mbreonline.com/mbre/gim.nsf/May2021/currentarticles/losspreventionspring21/index.html.

    We partner with Mutual Boiler Re to provide Equipment Breakdown coverage on most of our policies for only $25 annually. If you are interested in learning more about this coverage or adding it to your policy with us, contact your agent today! If you want to find an agent in your area who represents Barton, search for your zip code on our agent finder: https://bartonmutualgroup.com/agents.

    All Updates

  • Time for an Annual Credit Check?April 26, 2021

    check credit


    As a consumer, you have a right to view your credit report from each of the three credit reporting agencies (Experian, TransUnion and Equifax) each year. Visit annualcreditreport.com to request the free report. You will have to pay to receive your credit score. It is important to review your report to verify that the credit information reported is accurate. Your credit report can affect your ability to finance items like houses and cars, and it can even affect your potential employment or your insurance rates. For more information on requesting the report, along with instructions for what you can do if you find errors, visit the Federal Trade Commission website.

    If you have minor children, you can ask the credit bureaus if a credit report exists for them. The Consumer Financial Protection Bureau (CFPB) has an article with tips on how to do that. You can request the file from any of the three bureaus. This is especially important if you believe your child may have been the victim of identity theft. If you discover that your child has a credit file, you can dispute the error. This tip sheet from the CFPB includes information on how to dispute the credit file for your child.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Protect Tax Returns and Stimulus Payments from Identity ThievesMarch 05, 2021

    tax fraud 2021


    Over the past several years, the IRS actions against tax identity fraud were successful in driving down the rate of tax fraud. Then the COVID-19 pandemic happened. The IRS extended due dates and become bogged down trying to process returns while keeping their employees safe. Additionally, U.S. stimulus payments were administered as tax refunds and the Federal government enhanced state unemployment benefits. Identity thieves had more financial incentive than ever before to commit tax and benefits fraud.

    The impact was immediate: By the end of February 2020, tax return identity theft was already up 751% year over year.1 By June, 892,777 tax returns had been flagged by the IRS for potential identity theft.2 But there’s good news—you can take steps now to protect your identity as well as any tax refunds or stimulus payments due to you in 2021.

    How tax return fraud happens

    Tax-related identity theft can leave taxpayers bewildered and frustrated, but the mechanics of it are fairly simple. First, identity thieves obtain sensitive information about you including your name, address, and personal tax identification number. They can either buy the information from criminal sources or trick you into giving it to them through phishing or phone scams. Then they use it to file a tax return using a false address or post office box and wait for the refund check to roll in.

    Warning signs of tax return fraud

    There are several warning signs that indicate you may be a victim of tax return fraud:

    • The IRS or other taxing authority rejects your attempt to file your tax return.
    • The taxing authority requests verification of your identity, indicating something may be amiss.
    • Income is reported by two or more employers, most likely because someone else has used your tax identification number to gain employment. Your return could be flagged for failing to pay sufficient taxes on wages or to report all wages.3

    Take advantage of the new IRS Identity Protection PIN

    In January, the IRS expanded the Identity Protection PIN Opt-In Program to all taxpayers who can verify their identities.4 The Identity Protection PIN (IP PIN) is a six-digit code you establish with the IRS that is only known by the agency and you. The IP PIN provides a good way to lock out identity thieves and prevent them from filing fraudulent tax returns using your personal information. The IP PIN is valid for one calendar year, so mark your calendar to obtain a new one at the start of each year.

    Resolve tax-related identity theft

    If you discover you have become a victim, follow these steps:

    1. Contact your taxing authority and fill out identity theft paperwork.
    2. File your correct return using the instructions they provide you.
    3. Contact the credit bureaus and place a fraud alert on your account.
    4. Respond promptly to all correspondence from your taxing authority.
    5. Keep excellent records of all of your correspondence and filings.
    6. Add a credit monitoring and identity protection service to identify any further identity theft or fraud in other areas of your life.

    We have partnered with CyberScout to offer comprehensive identity management services. Contact a local independent agent today to see how you can get a policy containing cyber protection with Barton Mutual.

    1 “Interim Results of the 2020 Filing Season,” Treasury Inspector General for Tax Administration, April 7, 2020.

    2 “Interim Results of the 2020 Filing Season: Effect of COVID-19 Shutdown on Tax Processing and Customer Service Operations and Assessment of Efforts to Implement Legislative Provisions,” Treasury Inspector General for Tax Administration, June 30, 2020.

    3 “Taxpayer Guide to Identity Theft,” IRS website, page updated October 22, 2019.

    4 “All taxpayers now eligible for Identity Protection PINs,” IRS, January 12, 2021.

    All Updates

  • Equipment Breakdown CoverageMarch 01, 2021

    Our Equipment Breakdown coverage broadens your policy and covers against loss by mechanical or electrical breakdown that is otherwise excluded. This coverage is only available on certain policy types. See your agent or call our Customer Service department at x451 for details.

    This coverage can protect you against loss of your electrical or mechanical equipment due to breakdown or failure. Now you can have protection for situations such as:

    • Your air conditioning unit experiencing a mechanical breakdown mid-heat wave
    • Your commercial refrigerator having a power surge on a hot day
    • Your computer system having an electrical breakdown

    Included with this coverage is our green equipment breakdown endorsement, which gives you incentive to repair or replace damaged property in an environmentally friendly way. When you experience a loss of mechanical, electrical or pressure equipment, you’ll have the opportunity to go green.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Travel in Winter WeatherFebruary 08, 2021

    car on winter road

    Winter weather is here! While the safest bet during winter weather is to stay off the roads, some travel may be necessary. If you have to be on the road in such conditions, there are some things you can do to prepare for potential hazards:

    • Allow for extra travel time.
    • Travel at a safe speed, and leave plenty of room between you and other cars.
    • Clear all surfaces of your car before you embark on your journey.
    • Be sure your cell phone is fully charged. Bring a charger along if you have one that works in the car.
    • Tell someone where you are going and how long you expect it to take you.
    • Make sure you have a full tank of gas in case you do become stranded.
    • Do not leave your vehicle if you become stranded. Tie a bright colored cloth to your antenna or door handle and attempt to contact emergency personnel via cell phone if you have one.
    • If stranded, drivers should start and run their car for 10 minutes every hour, using the heater. Be sure that your exhaust pipe and radiator are clear of packed snow before running your engine. While the engine is running, partially open a down-wind window to avoid carbon monoxide poisoning and to get fresh air into the vehicle. Keep the vehicle’s interior lights on while the engine is running. Avoid hypothermia by constantly moving your arms and legs; clapping hands will help keep you warm as well. Warning signs of hypothermia are memory loss, disorientation, incoherence, slurred speech, drowsiness, exhaustion and uncontrollable shivering.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Protect Your Business During Winter WeatherJanuary 25, 2021

    snow on gas station

    Our partners at Mutual Boiler Re developed a helpful infographic for businesses to suggest preventative maintenance to combat winter weather: protect your pipes, maintain the heat, prepare for power outages, and prepare your building for ice and snow. View the entire infographic for more detail and additional tips.

    You should review your insurance policy with your agent to be sure your business is covered in the event of a winter weather loss. Barton Mutual offers Equipment Breakdown coverage on our commercial policies (in partnership with Mutual Boiler Re), which could be an enhancement of the coverage your policy already provides.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • January Maintenance and Organizing IdeasJanuary 11, 2021

    snowy window


    In January, you probably spend time recovering from the holiday madness and huddling at home waiting on spring. If you want to get a head start on some home maintenance and organizing, check out these suggestions from Realtor.com (view the full article for additional tips: https://www.realtor.com/advice/home-improvement/monthly-home-maintenance-checklist-january/):

    1. Recycle your holiday cards into gift tags for next year.
    2. Deep clean areas of your home that don’t always get attention: range hoods, refrigerator coils, ceiling fans, light fixtures, door knobs, etc.
    3. Declutter! Find things you can donate, sell or dispose of.
    4. Begin planning for your garden.

    Winter in Missouri is usually more pleasant inside, and all of those items can be done from the warmth of your home. Save the outdoor maintenance for nicer days ahead!

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • The Retirement AdventureDecember 30, 2020

    Larry and Linda

    Two of our amazing employees have determined that December 31 is the end of their career journey and the beginning of the new adventure in retirement.

    Linda McKay began as a billing clerk at Barton in 1975. She worked her way up to Personal Lines Underwriter, where she remained for many years, eventually becoming Personal Lines Manager. She stepped up to fill the Director of Policy Production role for us in 2012, and she stayed there until the beginning of this year. She transitioned back to personal lines underwriting, where her passion lies. She worked in underwriting this year, spending the second half of the year training with new hires. We appreciate the service Linda has given to Barton all these years, and we wish her the best in her retirement. We’re sure to see her frequently, as she and her sister run a bakery across the street from our office. Hopefully her husband, two children and two grandchildren also benefit from her additional “free time.”

    Larry Bahr joined the Barton family in 2009 as a Personal Lines Underwriter. He came to us with several years of experience. We’ve grown to deeply appreciate Larry, especially when we have—er—plumbing issues. His title of Chief Toilet Officer (CTO) was not bestowed lightly. Even though we will miss Larry, we know he is going to enjoy his new adventure, and we still have his number saved in case we ever spot a snake anywhere near the office. We are hopeful that his new status of “retired” will afford him more time to do the things he loves and spend more time with his three children.

    All Updates

  • Home Safety Tips for the Holiday SeasonDecember 11, 2020

    christmas tree


    We have compiled a few friendly reminders on how you can take steps to help protect your home from burglars and other potential harm this holiday season. Portions of this were taken from an article on www.safewise.com.

    1. If you can afford a home security system or security cameras of any kind, those are both great ways to protect your home. If you can’t afford those, you can try putting a security sign in your yard or setting up a dummy camera to convince would-be burglars that you do have one.
    2. Don’t advertise your travel plans on social media. That just gives burglars a precise schedule to find your home unoccupied. Post those pics after you return home.
    3. Install motion sensors on any outdoor lights you have. Use a timer on Christmas lights to make sure they come on as scheduled while you are gone.
    4. Consider leaving on a radio or TV during the day that could convince a burglar that someone is in the home.
    5. This seems pretty obvious, but lock your doors and windows. This includes keeping your garage door closed as much as possible. An open garage door may seem like an invitation, and it shows off your stuff to passersby.
    6. If you are going to be away for more than a couple of days, have the Post Office hold your mail and stop any newspaper deliveries. You could also ask a friend or trusted neighbor to pick up your mail and papers. Nothing signals an absence like a pile of newspapers in the driveway.
    7. Be friendly to your neighbors. Having a good relationship with those who live around you can supply an additional layer of security for your home. They can keep an eye out when you are gone, and you can return the favor when they leave home.
    8. Reduce the landscaping around your home. This may seem like an odd addition to the list, but bushes and shrubs around a home make good hiding spots.
    9. At Christmastime, keep packages out of view of the windows. Passersby shouldn’t be able to tell how many packages little Suzie has under the tree.
    10. Consider contacting your local police department to do a check of your house. They might be able to suggest things you could do to improve security.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Up on the Rooftop…November 12, 2020

    christmas lights on house


    In two short weeks, we will celebrate Thanksgiving. Your mind may already be drifting toward Christmastime, or you may have started the decorating process. Hanging outdoor lights is a popular tradition, and many people enjoy taking their decorating game to the next level, and still more like seeing elaborately decorated homes and businesses. Whether you are an avid, experienced light-hanger or a first-timer, there are lots of things to consider and some safety to keep in mind. This post from Lowe’s offers some basic tips for anyone wishing to light up their home this Christmas. Make sure you have the right tools and be safe out there displaying your holiday spirit!

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Here Comes Winter!October 26, 2020

    frozen piep


    Today, we are getting a cruel reminder that winter is just around the corner. As temperatures drop in the coming weeks, make sure your property is prepared and your insurance policy is equipped to provide coverage in the event of a winter weather loss.

    • Always maintain heat during winter months, even in vacant dwellings/businesses. If you are going to be away from your home, you can reduce the heat so it won’t run as much, but ensure it’s not too low, as water lines in exterior walls could freeze in times of extreme wind chill or temperature drops.
    • Winterize your pipes when possible and, again, maintain heat at an appropriate level; simply leaving it above freezing will most likely not be sufficient. Freezing pipes and the resulting damage may not be a covered loss under certain types of insurance policies. In addition, policies that do contain coverage for the peril of freezing may not cover loss that results from your failure to maintain heat or properly winterize the structure.
    • Turn off the water and winterize the lines at your home if you’re leaving for a few days. This can mitigate the possibility of a water-related loss while you are away.

    Check with your insurance company or agent if you need help understanding your policy, and brace yourself for winter!

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Safe Online Shopping Guidance for the Holidays and Cyber WeekOctober 20, 2020

    8 ways to avoid scams


    Smartphones and the Internet have revolutionized the way consumers shop. Armed with a few search terms and simple clicks, we can find items, compare prices, read product reviews, order, and pay for all types of items from electronics, appliances, and tools to furniture, clothes, and groceries. Often, consumers also have the power to choose whether purchases will be picked up in store or delivered right to our doorstep. Any way you look at it, online shopping is a fast and convenient way to buy what we want and need.

    Online convenience also comes with some risk. Sometimes consumers don’t receive exactly what they ordered; get scammed by fraudulent websites; or become victims of identity theft and/or loss. Cybercriminals are opportunistic, and they will be seeking to exploit the growth in online shopping this holiday season. But don’t worry, with a little preparation and vigilance, consumers can safely and securely shop online and avoid falling victim to scams.

    Since cybercrime is largely motivated by money, that makes Black Friday and Cyber Monday very attractive targets for cybercriminals. And that means increased phishing attempts that try to get you to reveal personal information, account credentials, and credit card numbers. Through email, fake ads, and illegitimate websites, cybercriminals are hoping some unwitting consumers will let their guard down in the rush to secure the best deals before they’re gone.

    Since consumers often spend more than usual during the holiday season, it’s easy to lose focus when an email or text message arrives under the guise of your credit card provider or bank regarding a suspicious transaction or frozen account. Without prior awareness of these scams, some consumers mistakenly click on links or share their personal information. Instead, consumers should be aware of these and other common attacks and use caution to avoid falling victim.

    Knowledge is power. Enjoy your online shopping experience by following best practices and increase your awareness of common scams. These eight tips can help you get the deals and avoid the scams:

    1. Use familiar websites and know thy vendors. Before providing any personal or financial information, be sure that you are doing business with a reputable, established vendor. Verify the legitimacy of the website by reviewing certificate information, including who it was issued to. Check the BBB’s online directory and scam tracker or search retailer reviews on Google.
    2. Look for the ‘s’ and the lock. Always look for the security symbol, such as an unbroken padlock in the address bar and URLs that start with ‘https’. This ensures that your information is protected with encryption.
    3. Avoid phishing and social engineering attacks. Be wary of unsolicited email requesting information from you, such as fake invoices or shipping notifications. Legitimate businesses don’t ask for information via email. Instead of responding to the email or clicking on links, type in the merchant’s authentic website address yourself and log in to check your account.
    4. Be aware of common tricks. Educate yourself about common online scams to avoid falling for too-good-to-be-true deals, including rock-bottom prices form unknown internet retailers, fake ads and social media offers, gift card scams, and more.
    5. Use credit, not debit. Credit cards offer an extra level of protection from fraudulent charges that may not be available with a debit card. You can add additional purchase protections by using a payment gateway like PayPal, Good Wallet, or Apple Pay. Secure payment gateways stop purchase data from being intercepted by hackers.
    6. Monitor your statements and verify receipts. Keep records of your purchases, including confirmation pages or email receipts, to compare with your bills and statements. If there is a discrepancy, report it immediately.
    7. Always use strong passwords. Simple and commonly used passwords allow hackers to easily gain access and control of your online accounts, change shipping addresses, and make purchases using your credit cards.
    8. Don’t purchase over public Wi-Fi. If you shop using your mobile phone, stay on your carrier’s cellular network. Free public Wi-Fi can be much less secure.

    CyberScout®—We’ll take it from here.™

    CyberScout is leading the charge against hackers and thieves, providing identity management, credit monitoring and cyber security for more than 17.5 million households and 770,000 businesses. Contact your bank, credit union, insurance company or employer to find out if they offer CyberScout services.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • October: National Financial Planning Month & National Cyber Security Awareness MonthOctober 05, 2020

    Financial Planning


    Adequate insurance coverage is an important part of any financial plan. Some common areas that may be overlooked include home-based business coverage, equipment breakdown coverage, insured values on property (especially if improvements have been made), and ACV vs. replacement cost coverage. It might also be a good idea to review the deductible on your policies to be sure you are financially capable of assuming that cost in case of a covered loss. Your insurance agent can help you understand your coverages and determine if you are adequately covered in case of a loss.

    October also happens to be National Cyber Security Awareness Month. At Barton, we offer cyber liability coverage for the majority of our owner-occupied policies and as an option for our commercial policyholders. One of our partners in this endeavor is CyberScout. They offer an online tool called ID RiskCompass that can help you evaluate your risk of ID theft and help you think of ways you can better protect your identity. You can also visit their Knowledge Center to find tips on protecting all elements of your identity.

    Please reach out to us if you need help understanding any of the coverages on any policy you have written with us. You can reach our office at 417-843-6265 Monday-Friday 8:00 AM – 4:30 PM Central. You can also email our Customer Service department any time.

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  • September is National Preparedness Month!September 23, 2020

    national preparedness month 2020


    Where has September gone? September is National Preparedness Month, and we didn’t even remember to remind you until today! Having a plan for when disaster strikes at home, at work or on the go can make a huge difference in the impact an event will have on you and your family. Visit http://www.ready.gov/september to see the recommended plans for the month.

    In the spirit of preparedness, don’t forget to read your insurance policy and check with your insurance agent to be sure you are protected against disasters that might happen in your area. Take some time to inventory your belongings in case the unthinkable happens. The National Association of Insurance Commissioners (NAIC) has developed an app (available in iTunes or Google Play) to allow you to catalog your belongings electronically, and they also offer a downloadable PDF if you prefer to have a hard copy. Creating a home inventory will also help you determine if you have enough coverage for your belongings. Consult your licensed insurance agent for assistance in understanding or altering your coverages.

    The biggest hurdle to overcome in being prepared is planning. While we all hope we won’t need to use our plans, disaster can strike anywhere at any time.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

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  • Back to School CoveredAugust 11, 2020

    college student moving into dorm


    While going back to school this year may look different than years past, some things never change—like making sure you have adequate insurance coverage for your student’s possessions. If you have a student leaving home for college, it’s a good idea to make sure their personal property will be covered while in their dorm or other type of housing. If you invested in new electronics for your student’s academic endeavors this year, you may want to consider adding coverage specifically for these items. By scheduling them on your policy, you will have broader coverage and the benefit of a lower deductible in most cases.

    If you ever have questions about what is or is not covered in your insurance policy, contact your agent. They can help you understand your coverage and contact the insurance company on your behalf if necessary. If you are covered with a Barton Mutual policy, we would be happy to help you understand the coverages in your policy. To all of our students, teachers, administrators and parents: We wish you the best in this upcoming school year!

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • What You Need to Know to Prevent Child Identity TheftJuly 23, 2020

    social security cards


    Your child was just accepted into the college or university of their dreams. Unfortunately, they were turned down for a much-needed loan to help pay for tuition. What happened? Years earlier, identity thieves had stolen their national identification number. Identity theft ruined their credit before they had a chance to build their own record.

    Your child’s Social Security Number (SSN), Social Insurance Number (SIN) or National Insurance Number (NI) could have been stolen in a data breach at the school or the pediatrician’s office. Or it could have been exposed when you sent their application and birth certificate to the youth soccer league.

    More than 14,000 cases of child identity theft are reported each year in the United States.1 However, one study estimates the actual number of victims is more than one million.2 To fraudsters, your child’s identity is as valuable as gold because children have clean credit and that makes it easier to open fraudulent accounts. Known as synthetic identity theft, criminals build an identity around a legitimate national identification number and combine it with fabricated information to apply for credit cards, set up accounts, and get government benefits.

    How child identity theft happens

    If your child is under age 12, it’s likely you’re not monitoring their credit reports. This gives thieves ample time to build a credit history and rating for a fabricated identity. By the time you discover the bad news, it’s already negatively impacted your child.

    You may think you’re safe because your child’s identity card is securely stored. But there are many ways we willingly part with our child’s personally identifiable information (PII) all the time. Consider these examples:

    • School and medical forms
    • Summer camps
    • Sports leagues
    • Other extracurricular activities

    That’s why parents must limit sharing their child’s national identification number. School and medical forms often ask for it, but it’s not always necessary. Instead, ask if you can use a different identifier or only provide the last 4 digits. If it is a requirement, be sure to ask how the requester will use the information and how it will be protected.

    Minimize the risks for your child

    In a recent survey, more than a third of child identity theft victims had to seek professional help to deal with the emotional strain and 68% are fearful it could happen again.3 The effects of child identity theft can have long-lasting and negative consequences.

    Watch out for these common red flags

    It’s important to be vigilant when protecting your child’s identity and credit. Be on the lookout for suspicious activities such as unexpected bills in your child’s name and other notices associated with your child.

    Additionally, pay attention to any notifications from your child’s school or doctor’s office about a potential data breach. According to recent data, 60% of cyber incidents at K-12 schools involved unauthorized disclosure of student data.4 If you think your child’s data may have been compromised, it’s important to contact the school to notify them and get more information. In many cases, schools don’t realize a breach has occurred.

    CyberScout®—We’ll take it from here.™

    CyberScout is leading the charge against hackers and thieves, providing identity management, credit monitoring and cyber security for more than 17.5 million households and 770,000 businesses. Barton Mutual offers personal and commercial policy programs with Cyber insurance. Contact a local agent to get a quote today.

    1 FTC, Consumer Sentinel Network Data Book, 2019

    2 2018 Child Identity Fraud Study, Javelin Strategy and Research

    3 “The Emotional Toll of Child Identity Theft,” Experian, August 29, 2018

    4 “The State of K-12 Cyber Security: 2019 Year in Review,” EdTech Strategies, LLC, 2019

    All Updates

  • Convenient But Vulnerable: Why You Need to Take a Closer Look At Your IoT DevicesJuly 10, 2020

    smart home app

    Emerging technologies, including smart devices, machine learning, and the advent of 5G networks are powering new efficiencies in the Internet of Things (IoT). Analysts expect the total number of installed IoT connected devices to explode, with one projection estimating more than 75 billion worldwide by 2025.1 With so many devices connecting to the Internet from both home and business networks, it’s important to pay attention to data security.

    IoT devices often share the same networks used for our desktop computers and laptops. Traffic and data from devices like wearables, digital home assistants, and cameras, move freely and, in most cases, unencrypted over the network—and unfortunately their security vulnerabilities are well-known by hackers. Most IoT devices are connected 24/7 and have “significant bandwidth available, making them attractive targets for conscription into Distributed Denial of Service (DDoS) botnets.”2 Additionally, cybercriminals use these devices to enter enterprise or home networks, gather confidential data, and compromise privacy.

    There are many known IoT device vulnerabilities, including unprotected network services and data transfer, lack of software updates or patches, and widespread use of insecure default settings. There is also an uptick in malware attacks on IoT devices that target devices running on old operating systems with known or guessable default passwords. For example, in June 2019, a 14-year-old hacker used the Silex malware to shut down more than 4,000 insecure IoT devices.3 Many security analysts believe these types of attacks against IoT devices will continue to evolve.

    Many IoT devices lack the ability to update or patch software, leaving personally identifiable and sensitive data permanently at risk and exposed to cybercriminals. As it stands now, too few IoT devices have basic security measures in place, such as data encryption. Some wearable devices contain vulnerabilities that have allowed hackers to track a user’s location, listen in on conversations, and even communicate with the user.

    As the number of connected IoT devices continues to grow, so will the amount of data they generate. Fortunately, there are a number of steps you can take to secure your IoT devices and protect your privacy. Below are seven ways to minimize risk when using IoT devices:

    1. Research devices before you buy. Learn everything you can about both the device and its manufacturer before you make your purchase. Read consumer reviews and be sure the manufacturer prioritizes security. Find out if the device is configured to download timely security updates.
    2. Don’t leave default passwords unchanged. When setting up your new device, change the default username and password immediately. Create a unique username and a long, complex password for the device. While you’re at it, change the preinstalled nickname of your home assistant to something only you and your family know.
    3. Update privacy and security settings and disable any features you won’t use. Before using your device, check and update all of the manufacturer settings and limit access to protect privacy. Experts recommend turning off universal plug and play features so that it’s more difficult for hackers to locate and connect to these devices.
    4. Keep device firmware or software up to date. Always download and install updated software when prompted to patch any known security threats. Turn on automatic updates. If you can install third-party apps on your device, only choose those from a trusted provider.
    5. Set up a secure router, and if possible, a separate network for your IoT devices. Smart appliances should not be on the same network as computers. Set up a different network on your existing router or use a second router for IoT devices only. Use a VPN for added security.
    6. Conduct an audit of all the IoT devices on your network. Remove any unknown devices and consider upgrading older devices to newer models with stronger security features.
    7. Stay informed. Pay attention to news stories about trending IoT attacks and new vulnerabilities. Take any actions recommended to beef up your IoT device security.

    CyberScout®—We’ll take it from here.™

    This content provided by CyberScout. CyberScout is leading the charge against hackers and thieves, providing identity management, credit monitoring and cyber security for more than 17.5 million households and 770,000 businesses. Barton Mutual is proud to partner with CyberScout for our commercial and family cyber insurance products.

    1 Statista, “Forecast Market Size of the Global Smart Home Market from 2016 to 2022,” February 19, 2020

    2 Security Magazine, “The Rise of the Internet of Things,” January 20, 2020

    3 Threatpost, “Thousands of IoT Devices Bricked by Silex Malware,” June 27, 2019

    All Updates

  • National Insurance Awareness Day 2020June 26, 2020

    insurance policy



    Sunday, June 28 has been designated National Insurance Awareness Day. We would be remiss in our duties if we didn’t remind everyone to review their insurance coverage and their potential needs for coverage. You should assess how your insurance coverage compares to what you own or rent to and from others. A call to your insurance agent can assist in determining if you have adequate coverage. Be sure to mention what has changed since your policy was issued.

    Some changes are significant and can affect your coverage, so be sure and discuss any changes you have made. Adding or removing wood heat, other adults living in the home, renovations and purchases are examples of things you should discuss with your agent. Please don’t wait for a claim to happen before you contact your agent.

    Also consider an annual update to your personal inventory to be sure you have a current list of all your belongings. If you don’t already have a list, you can download a PDF file or order a hard copy booklet for tracking your home inventory from the Missouri Department of Insurance.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

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  • Playing it Cool…When it’s HotJune 19, 2020

    sun and thermometer


    As summer heats up and outdoor activities start to take off, it is important to be smart about the heat. Take it easy when it is hot out, and make sure you always drink plenty of water. Be attuned to your body’s signals, and learn to recognize signs of heat cramps and heat exhaustion in others so you can avoid serious side effects of the summer weather. This article from the Mayo Clinic details symptoms of heat exhaustion and how to combat it. Let’s enjoy our summer and be heat smart!

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  • How to Read Your Insurance Policy – ACV and ReplacementJune 09, 2020

    insurance policy

    While reviewing your insurance policy and declarations page, you may see the term “actual cash value” or its acronym “ACV” listed in reference to the policy or specific items. “Actual cash value” is a loss cost settlement term with a specific definition in your policy. An ACV policy pays for loss to items (if the loss is covered by the policy) based on the value of the item at the time of loss. If your television was destroyed by fire, payment would be based on the age/current value of the television, not what the cost would be for the television as if it was new. The good news is, on most policies, you can purchase a coverage called replacement cost that will pay for an item (such as the television) based on the new value. Dwellings and buildings may also be written for replacement cost if certain requirements are met. On policies where the dwelling or building is covered for actual cash value, you may be able to add replacement cost on the roof, depending on the age and materials of the roof. When a policy has replacement cost added to a dwelling or roof, the actual cash value is paid up front (less the deductible) and once the items have been repaired or replaced, you can receive the additional funds up to the predetermined replacement amount.

    If you ever have trouble understanding the specifics of your insurance policy, your agent is a valuable resource for guiding you through the policy forms that are part of your policy. If your policy is with Barton Mutual, we would be happy to assist you in clarifying language when you have questions. Give us a call at 417-843-6265 and fire away!

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Employee Milestones in 2020June 01, 2020

    Each year, we recognize employees who have reached milestones in their careers with us. In 2020, we have three employees who will achieve a significant number of years with us:

    Robin Peckman began her career with Barton in 2005. She has served in our Policy Production department in her 15 years with us, and she has learned many of the functions in that department. When you enter our office, Robin is the first friendly face you will see, and she typically keeps a bowl of candy available for visitors and employees alike. She and her husband have a son and a daughter, and they have three grandchildren. You might find her outside doing yard work or reading a good book on her days off.

    Pam Mark has also spent 15 years with us, and she has just a few more days of service than Robin. She began by working in our Scanning department, and then she moved on to Accounting. Several years ago, we moved her to Policy Production, and there she has remained. Pam also sits near our front door, so she will be happy to help you if you stop by. She lives with her husband on their farm, and she likes helping out around the farm when she can. They have a grown daughter. When the farm doesn’t need her, you will probably find her sewing or working on a quilt.

    Linda McKay is our longest serving employee, and she hits a big milestone this year: 45! When she began as a billing clerk in 1975, she probably couldn’t have imagined all the changes that would come during her time at Barton. Much of her career here has been spent in Personal Lines Underwriting, which is where you will find her today, after a few years as the Director of Policy Production. She and her husband have a daughter and a son, and they have two grandchildren. She and her sister also run a bakery across the street from our office, which gives us a great excuse to have cupcakes, cookies, pies, and cheesecakes whenever we need to celebrate. If she has spare time, she likes to spend it with the grandchildren, always reminding them that “what happens at Grandma’s stays at Grandma’s!”

    We are thrilled to have each of these ladies on our staff, and we are grateful for the years they have given us.

    All Updates

  • Act Thoughtfully to Protect Your ChildrenMay 28, 2020

    child on computer


    A portion of this blog was taken from a CyberScout publication for member companies.

    If identity thieves obtain your child’s Social Security number, they can slowly create new accounts and rack up bills without setting off many red flags. Talk to your child about safe online behavior and protect them from online bullying. Minors who are bullied online are more than nine times more likely to be victims of fraud. 1 Experts believe this may be because they are more willing to share information online in search of acceptance.

    If you have minor children, you can ask the credit bureaus if a credit report exists for them. The Consumer Financial Protection Bureau (CFPB) has an article with tips on how to do that. You can request the file from any of the three bureaus. This is especially important if you believe your child may have been the victim of identity theft. If you discover that your child has a credit file, you can dispute the error. This tip sheet from the CFPB includes information on how to dispute the credit file for your child.

    1 2018 Child Identity Fraud Study, Javelin Strategy & Research

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

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  • Common Activities That Can Put Your Data at RiskMay 18, 2020

    When our lives move quickly, we sometimes risk data security in exchange for convenience or instant gratification. However, seemingly small decisions result in deep and lasting consequences if you lose your identity. Here are a few common scenarios that pose outsized risk to your security:

    • You receive an offer in the mail that you don’t want—so you just throw it in the trash, not realizing that there’s a lot of information about you inside.
    • You’re having fun on vacation, but remember your electric bill is due, so you log into online banking using public WiFi at the nearest coffee shop.
    • An online store requires you to set up an account and provide additional data prior to your purchase—but the website is “http”, or unsecured. When you set up the account, you used the same password you always do—Fifi12345 after your beloved dog.
    • After getting cash, you drove away and left your receipt hanging in the ATM.
    • Your friends all played a question game on Facebook, so you played too. Your answers revealed personal information that could help a hacker answer your “forgot my password” questions, such as your pet’s name, your first car, etc.

    These are common mistakes people make every day. More than one in four Americans don’t shred their mail, leaving personal information intact for dumpster-diving fraudsters. 1 A recent Experian study revealed that 70 percent of consumers globally are “willing to share more personal data” with online organizations, especially if they believe it will provide greater security or convenience. 2 Two in three adults admit to reusing passwords. 3

    We have partnered with CyberScout to offer comprehensive identity management services. If you detect suspicious activity or would like to proactively protect your identity, contact us at 417-843-6265 to be connected to a CyberScout fraud expert.

    1 “Poll: Americans Leave Their Personal Information Open to Thieves,” Creditcards.com, February 2019

    2 2019 Global Identity and Fraud Report, Experian

    3 “Google Survey Finds Two in Three Users Reuse Passwords,” Info Security Magazine, February 2019

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

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  • Storm SeasonMay 11, 2020

    storm clouds


    In the Midwest, we are more than familiar with severe weather. Be sure you are covered in case of an unexpected loss. Contact your agent today to make sure your policy contains the coverage you need for your belongings. Be sure to evaluate your need for Additional Living Costs coverage. That coverage will cover additional expenses you may incur if you are forced to find a new place to live temporarily if your residence is damaged by a covered loss.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • How to Avoid Identity Theft and Scams After Natural DisastersApril 27, 2020

    In 2019, the world suffered through 820 natural disasters, including floods, storms, fires and earthquakes. In the U.S. 14 different disasters each caused more than one billion dollars in losses—it was the fifth consecutive year with more than 10 billion-dollar disasters.

    In the aftermath of disasters, a different kind of danger lurks—identity theft and disaster scams. In the chaos and confusion, identity thieves swipe unsecured personal information and scammers target disaster victims.

    Review our infographic below to learn about the impact of natural disasters. Your best defense is a solid disaster plan that also considers identity protection. Start making your plan today.

    natural disaster infographic

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Build a List of Your BelongingsApril 16, 2020

    make a list


    With the extra time you may be spending at home right now, it may be a good time to take inventory of your belongings. In the event of a covered loss, it is important you know what items were lost. If you haven’t ever done so, be sure to create a home inventory list. Update any lists you may already have. Taking photos or video of the rooms of your home can be an effective way to document your possessions. Focus especially on valuable items. Don’t forget your clothing! If you have covered outbuildings, make a list of the items in them as well.

    We hope you never have to experience the loss of your precious belongings, but if the unthinkable does occur, having an inventory already created could be very helpful in the rebuilding process. If you can record what you paid for items or when you bought them, that helps with the claims process. Keeping receipts or taking photos of the receipts to have on hand is also a great resource if you ever need to replace items.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

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  • Working at HomeApril 08, 2020

    working at home


    A lot of people are in work-from-home situations for the first time. If this is the first time you have been asked to do this, it might seem overwhelming or be hard to adjust. The Muse posted seven tips for keeping your sanity while working at home:

    1. Get dressed
    2. Designate a work space
    3. Clearly define your working hours
    4. Build transitions into and out of work
    5. Don’t get sucked in by the news or other distractions
    6. Communicate clearly with your co-workers and superiors
    7. Don’t forget to socialize (remotely)

    Do you have additional tips for working at home? We’d love to hear about it! Connect with us on social media and share your helpful hints.

    All Updates

  • Annual Meeting 2020April 02, 2020

    Mutual insurance companies, like Barton Mutual, are owned by the policyholders. The unique business idea is credited to Benjamin Franklin. As a member of the mutual, a policyholder is entitled to a vote at policyholder meetings. Policyholders are informed of the meeting through policy documents; at Barton Mutual, the information is included on the policy jacket. If the policyholder is unable to attend the annual meeting, they are able to sign a proxy notice to give the President/CEO of Barton Mutual the authority to vote on their behalf. The proxy notice is mailed to policyholders annually with their new or renewal policy. It is printed on the back of the invoice.

    Barton Mutual holds its annual policyholder meeting on the fourth Thursday in March each year. This year, ours fell on March 26. Company officers and board members typically gather at our home office. This year looked a little different, as is the case for many business functions recently. Our board members were able to conference via WebEx for the meeting this year, as that seemed like a safer option for all of them. During the meeting, company officers updated everyone on the previous year’s performance. This year, the membership voted to amend the Articles of Incorporation to state that the number of directors can be a range of five to nine members. After that vote, two new board members were added: Brian King and Tom Shaw. That brings our total number of board members to nine.

    Many people do not realize that they can have a say in the workings of their insurance company, and it truly is “their” insurance company in this case. Our annual meeting in 2021 will be on March 25 at 11:00 AM at our home office in Liberal, Missouri. If you are a member policyholder of Barton Mutual, you are more than welcome to attend.

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  • World Backup Day is March 31March 26, 2020

    backup


    Data loss can strike at any time, and the cost of recovery will be high—unless you have a recent, usable backup.

    Take the first step to protecting your valuable information by following the 5 Ws of backing up data—the who, what, where, when and why—on World Backup Day, March 31, 2020.

    Why you should back up

    Let’s begin with why. Backup copies are a form of insurance against a devastating data loss that can be caused by hardware failure, human error, cyber attacks and natural disasters. Consider these alarming statistics: More than three-quarters of U.S. small and mid-sized businesses reported a cyber attack in 2019—21% more than the prior year. 1 In the UK, 65% of SMBs were attacked, up from 55% the year before. 2

    Who should back up

    Everyone needs to back up. Yet many families and SMBs claim they do not adequately backup their information. According to a survey, 20% of computer owners have never backed up their data and 25% backup only once each year. 3

    What to back up

    Back up data that is difficult and time-consuming to recreate or recover. For personal data, this includes:

    • Personal identification documents, such as copies of a driver’s license or a passport
    • Educational and employment records, including awards, promotions, commendations
    • Medical records, especially paper records
    • Passwords and contact lists
    • Photos, video, or music files—including what is on phones and computers.

    Businesses should back up operational, financial and customer information, including:

    • Accounting databases, including AR and AP records
    • Financial management reports
    • Payroll records and employee files
    • Point-of-sale and transaction history
    • Customer records and CRM database
    • Fixed asset inventory, photos and preventative maintenance logs
    • R&D, blueprints, and proprietary information
    • And more.

    When to back up

    Back up on a regular schedule. To determine frequency, think about how much data you create on a daily, weekly and monthly basis. Then decide how much you could afford to lose should disaster strike when you are between scheduled backups. Restored data is only as good as your most recent backup.

    For a family, backing up several times each year may be sufficient. If you take a lot of photos or work from home as a contractor or creative professional, consider backing up more frequently. Most businesses would benefit from an automated system for daily or weekly backups.

    Where to store backups

    Once you have decided on a regular backup schedule, follow the 3-2-1 rule for backing up. 4

    • Make at least three copies of your files and information.
    • Create those backups on two different types of storage media—including USB drives, external hard drives, tape backups, or cloud storage.
    • Keep at least one copy of your backup offsite, either in the cloud or safely in another building, a safe deposit box, or at another business location.

    We have partnered with CyberScout to offer comprehensive identity management services. If you detect suspicious activity or would like to proactively protect your identity, contact us at 417-843-6265 to be connected to a CyberScout fraud expert.

    1 “2019 Global State of Cybersecurity in Small and Medium-Sized Businesses,” Ponemon Institute, 2019.

    2 Ibid

    3 “More People Than Ever Backing Up According to Our Survey,” Roderick Bauer, Backblaze blog, July 9, 2019.

    4 “Follow the 3-2-1 File Backup Rule for Safe Data Storage,” University of Illinois Chicago Academic Computing and Communications Center, Brian Levine, September 17, 2019.

    All Updates

  • Check Your Credit Report!March 09, 2020

    check credit


    As a consumer, you have a right to view your credit report from each of the three credit reporting agencies (Experian, TransUnion and Equifax) each year. Visit annualcreditreport.com to request the free report. You will have to pay to receive your credit score. It is important to review your report to verify that the credit information reported is accurate. Your credit report can affect your ability to finance items like houses and cars, and it can even affect your potential employment or your insurance rates. For more information on requesting the report, along with instructions for what you can do if you find errors, visit the Federal Trade Commission website.

    If you have minor children, you can ask the credit bureaus if a credit report exists for them. The Consumer Financial Protection Bureau (CFPB) has an article with tips on how to do that. You can request the file from any of the three bureaus. This is especially important if you believe your child may have been the victim of identity theft. If you discover that your child has a credit file, you can dispute the error. This tip sheet from the CFPB includes information on how to dispute the credit file for your child.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

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  • Leap Day!February 24, 2020

    leap day

    It’s a day we only get once every four years. In the U.S., it coincides with our Presidential election years. People born on this day are called “leaplings.” The history behind it is long and can seem complicated. And this Saturday, we get to experience our first Leap Day since 2016. We could be lame and suggest you use this extra day to review your insurance coverage or make an inventory of your personal belongings, but we are sure you have more exciting plans than that.

    For more on the history and folklore surrounding this day, visit History.com.

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  • Presidents’ Day or Washington’s Birthday?February 18, 2020

    George Washington Statue


    For the first time, our office was closed yesterday for the federal holiday of Washington’s Birthday. All around the country, you will also hear the day referred to as Presidents’ Day. Which nomenclature is correct? The White House published an article last February to address this topic. While either name will communicate your meaning, the federal holiday is and always has been Washington’s Birthday.

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  • 12 Romance Scam Red Flags for Online DatersFebruary 12, 2020

    online dating
    1. The individual’s online profile seems too-good-to-be-true or photos seem staged or like they are of professional models. 1
    2. The individual’s online dating profile contains plagiarized content that appears on multiple dating profiles for different people.
    3. The individual claims to be highly educated, wealthy, and so forth, but the profile is littered with poor grammar, misspellings, etc.
    4. The individual’s social media profile is very sparse, generic or lacks historical posts.
    5. The individual’s dating profile and social media don’t seem to align with each other.
    6. The individual seems to be rushing the relationship—asking you lots of questions and proclaiming his/her love.
    7. The individual claims not to have or be able to use video chat services such as Skype, so you never get to see him or her. 2
    8. You complete a Google reverse image search of the individual’s photo and find it belongs to more than one person. Catfishers assume identities with random photos of attractive people.
    9. The individual tries to drive a wedge between you and your friends or family.
    10. The individual wants you to communicate directly outside the online dating service through email, instant messaging apps or texts. 3
    11. 11. You request an in-person date, but the individual keeps coming up with last-minute excuses, often claiming to have an important job that requires world travel. 4
    12. 12. The individual asks you to send money to him or her without ever having met you.

    1 “12 Signs That You Might Be Getting Catfished Online,” SocialCatfish.com, October 17, 2019.
    2 “12 Signs That You Might Be Getting Catfished Online,” SocialCatfish.com, October 17, 2019.
    3 “Romance Fraud is a Top Cybercrime, the FBI Says,” Security Boulevard, April 29, 2019.
    4 “Romance Fraud is a Top Cybercrime, the FBI Says,” Security Boulevard, April 29, 2019.

    We have partnered with CyberScout to offer comprehensive identity management services. If you detect suspicious activity or would like to proactively protect your identity, contact us at 417-843-6265 to be connected to a CyberScout fraud expert.

    All Updates

  • The Gifts of February 2, 2020February 03, 2020

    groundhog


    The Kansas City Chiefs finally have another Super Bowl title, and the famous Punxsutawney Phil didn’t see his shadow. One is probably as likely as the other to bring us an early spring. But this is Missouri, so we can probably expect some more winter weather. One of our partners, Mutual Boiler Re, recently published an article detailing ways you can prevent collapse from snow load at your business. This is just one of the ways you can protect your business in winter months. Spring will bring additional weather challenges, but it won’t officially begin until March 19 this year. Meanwhile, Chiefs fans can celebrate until a new NFL season begins, and Phil can spend his time studying up on meteorology.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

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  • Exciting Things in 2020January 28, 2020

    At the end of each year, we review our programs to determine how they are performing. That review helps dictate what the insurance industry lovingly refers to as “rate adjustments.” Let’s be honest, as a consumer, that typically signals an increase in your cost. But for the past two years, we have actually been able to work in some rate decreases. If you are a policyholder with us, maybe you’ve noticed the impact on your premium. If you previously had business quoted with us that was higher than some other options, then maybe now is a good time to try again.

    In 2019 we also introduced some new discounts for our customers. When you write your primary dwelling policy with us, you could qualify for an auto/home discount, an Umbrella/home discount or a military/veteran discount. Our military/veteran discount applies to all personal lines policies we offer, because we believe in thanking those who serve this country and protect our freedoms.

    If you’re interested in getting a quote from us, contact one of our local independent agents in your area. If you currently have a policy with us and want to know if you can qualify for a discount, contact your agent. This is going to be a great year, and this a good time to be a member of Barton Mutual Insurance Company.

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  • Protecting Your Business During Winter WeatherJanuary 13, 2020

    severe winter weather


    With a couple months of winter left to go, you should still be considering how to properly winterize your business to avoid a potential loss. Insulating your pipes or preparing a backup power source could go a long way in preventing downtime for your business. Review this infographic from Mutual Boiler Re, our partner for commercial Equipment Breakdown coverage, for more information.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

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  • Claims 101January 08, 2020

    Loss Notice

    Many people wonder what to expect if they file a claim with their insurance company. At Barton Mutual, we have processes and procedures we follow, and many times those are based on the type of claim being filed. The claim will first be reported either directly to us or through your independent agent. Be sure to include as many details as possible so we can make the proper assignment and know how extensive the damage is. If you have taken any photos of the damage, you can also submit those. This information will help us prioritize our claims properly. Your claim will be assigned to an adjuster depending on the type of loss and location of the loss. Some claims require a field adjuster to come to your property to inspect the damages; others will be handled by our office staff. We do our best to contact you quickly after a claim is filed, so please be sure to provide your preferred contact information to us or your agent.

    If one of our field adjusters is assigned to your claim, he or she will make contact to set up an appointment for a claim inspection. It is advised that someone be present when the adjuster completes the inspection. If any emergency services are required before our adjuster arrives, please take photos of the damage if you can and keep any invoices you have received so our adjuster can review those for reimbursement. Our adjuster needs to view the damages before any permanent repairs are made.

    In the case of extensive property damage, you may have already received an estimate from a contractor or be working with a contractor. If that is the case, please let us know as soon as possible and provide copies of any estimates you have received.

    After the loss is inspected and all necessary paperwork has been submitted to us, the adjuster will review their findings and resulting estimate with you. Estimates are submitted to the home office for payment and processing. We strive to turn around payments as quickly as possible so you can get the repairs you need completed. At this point, you are ready to begin the process of having the property repaired. You are free to hire the contractor of your choosing to make the repairs. If your contractor’s estimate is higher than the adjuster’s estimate, please contact your adjuster before work commences. We will work with you to come to an agreement on estimates.

    We know you carry insurance because you want to have protection for your property and the assurance that when the unexpected strikes you will be covered. If you place your coverage with Barton Mutual, we will do our best to make the claims process quick and painless so you can get on with your life. If you have further questions about the process, you can refer to the FAQs on our site or contact our claims department at 417-843-6265 option 1.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

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  • Review Your Insurance AnnuallyDecember 30, 2019

    insurance policy


    It is a good idea to periodically (at least annually) assess how your insurance coverage compares to what you own or rent to and from others. A call to your insurance agent can assist in determining if you have adequate coverage. Be sure to mention what has changed since your policy was issued.

    Some changes are significant and can affect your coverage, so be sure and discuss any changes you have made. Adding or removing wood heat, other adults living in the home, renovations and purchases are examples of things you should discuss with your agent. Please don’t wait for a claim to happen before you contact your agent.

    Also consider an annual update to your personal inventory to be sure you have a current list of all your belongings. If you don’t already have a list, you can download a PDF file or order a hard copy booklet for tracking your home inventory from the Missouri Department of Insurance.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

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  • Merry Christmas and Happy New Year!December 23, 2019

    Christmas 2020


    Our office is closed on Christmas to celebrate the “good news of great joy which will be for all the people.” We hope you have a wonderful Christmas with those you love and that 2020 brings you numerous blessings.

    All Updates

  • Identity Thieves Hone in on Busy Shoppers and TravelersDecember 16, 2019

    online shopping


    While you’re making plans for the holidays with family and friends, cyber criminals are looking for opportunities to steal your identity and commit financial frauds. Between 2014 and 2018, there was a 109% increase in holiday identity fraud.1 There are five ways individuals experience greater risk of identity theft around the holidays:

    1. You’re distracted. As you rush around to stores and holiday parties, you’re more likely to forget your purse, lose your wallet or have a credit card stolen. When you’re distracted, you are less likely to spot a phishing email before it’s too late.
    2. You use public WiFi or charging stations. Public WiFi networks are not secured by a password, and when you use your device on an open network, your data is at risk of being stolen. The best rule is never to use public WiFi and especially not for financial transactions and shopping. A newer vulnerability exists at public charging stations. Data thieves hack into these stations and “juice jack” unsuspecting victims’ devices by pulling data through the USB cords on phones.
    3. You are bargain hunting online. Research shows that 43% of holiday shopping identity theft occurs online.2 One minute you’re Googling frantically for hard-to-find holiday gifts and the next minute, you’ve suddenly found them in stock and unbelievably priced for a fire sale. Watch out! This is how bargain hunters get suckered into fake web stores. They steal your card number and identity…and you don’t even get the items you bought.
    4. Your credit card gets “skimmed.” Sometimes thieves insert a credit card skimmer inside the card machines in gas stations, retail stores or restaurants. Unbeknownst to the store, every customer’s credit card information is being swiped by cybercriminals.
    5. You fall for a holiday charity scam. You’re feeling extra generous during the holiday season and you give generously when asked for charitable donations. Unfortunately, some criminals use fake charities to tug on your holiday heartstrings. Do your homework before donating.


    1 ”Holiday ID Fraud Report,” Jumio, December 2018.

    2 “43% of Holiday Shopping Identity Theft Occurs Online,” Experian, November 19, 2018.

    All Updates

  • Navigating Roadways in Winter WeatherDecember 09, 2019

    car on winter road

    It may not officially be winter, but Missouri has already experienced some winter weather. While the safest bet during winter weather is to stay off the roads, some travel may be necessary. If you have to be on the road in such conditions, there are some things you can do to prepare for potential hazards:

    • Allow for extra travel time.
    • Travel at a safe speed, and leave plenty of room between you and other cars.
    • Clear all surfaces of your car before you embark on your journey.
    • Be sure your cell phone is fully charged. Bring a charger along if you have one that works in the car.
    • Tell someone where you are going and how long you expect it to take you.
    • Make sure you have a full tank of gas in case you do become stranded.
    • Do not leave your vehicle if you become stranded. Tie a bright colored cloth to your antenna or door handle and attempt to contact emergency personnel via cell phone if you have one.
    • If stranded, drivers should start and run their car for 10 minutes every hour, using the heater. Be sure that your exhaust pipe and radiator are clear of packed snow before running your engine. While the engine is running, partially open a down-wind window to avoid carbon monoxide poisoning and to get fresh air into the vehicle. Keep the vehicle’s interior lights on while the engine is running. Avoid hypothermia by constantly moving your arms and legs; clapping hands will help keep you warm as well. Warning signs of hypothermia are memory loss, disorientation, incoherence, slurred speech, drowsiness, exhaustion and uncontrollable shivering.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

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  • Security Tips for the Holiday SeasonDecember 02, 2019

    christmas tree


    Just a few friendly reminders on how you can take steps to help protect your home from burglars and other potential harm if you plan to be away from home this holiday season. Portions of this were taken from an article on www.safewise.com and an article from U.S. News.

    1. If you can afford a home security system or security cameras of any kind, those are both great ways to protect your home. If you can’t afford those, you can try putting a security sign in your yard or setting up a dummy camera to convince would-be burglars that you do have one.
    2. Don’t advertise your travel plans on social media. That just gives burglars a precise schedule to find your home unoccupied. Post those pics after you return home.
    3. Install motion sensors on any outdoor lights you have. Use a timer on Christmas lights to make sure they come on as scheduled while you are gone.
    4. Consider leaving on a radio or TV during the day that could convince a burglar that someone is in the home.
    5. This seems pretty obvious, but lock your doors and windows. This includes keeping your garage door closed as much as possible. An open garage door may seem like an invitation, and it shows off your stuff to passersby.
    6. If you are going to be away for more than a couple of days, have the Post Office hold your mail and stop any newspaper deliveries. You could also ask a friend or trusted neighbor to pick up your mail and papers. Nothing signals an absence like a pile of newspapers in the driveway.
    7. Be friendly to your neighbors. Having a good relationship with those who live around you can supply an additional layer of security for your home. They can keep an eye out when you are gone, and you can return the favor when they leave home.
    8. Reduce the landscaping around your home. This may seem like an odd addition to the list, but bushes and shrubs around a home make good hiding spots.
    9. At Christmastime, keep packages out of view of the windows. Passersby shouldn’t be able to tell how many packages little Suzie has under the tree.
    10. Consider contacting your local police department to do a check of your house. They might be able to suggest things you could do to improve security.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

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  • ThanksgivingNovember 25, 2019

    Last year, Barton started a new tradition that we hope continues on in perpetuity. We partnered with Sweet Creations Bakery & More across the street to put on a free community Thanksgiving dinner. Our employees provided desserts and man power to serve the community. It turns into a wonderful evening of gathering with members of our community and celebrating the blessings we have. We’re hosting the dinner tomorrow evening, and we hope to have a great turnout. Our company has been blessed to have been in this community for 125 years, and we want to pay those blessings forward any time we can.

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  • November Employee Work AnniversariesNovember 18, 2019

    Gayla Charlton joined Barton during the month of November in 1979, so she is celebrating a work anniversary this month, and it is a big one! When she started, she was one of seven employees in the office. Gayla has been an integral part of Barton’s growth over the past 40 years, and she now serves as the Systems Administrator. We are privileged that Gayla has made her career with us!

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  • Veterans DayNovember 12, 2019

    Veterans Day Thanks


    Yesterday was the day set aside to honor all veterans of our armed forces. First declared a national holiday in 1938, Veterans Day is celebrated on November 11 because of the armistice signed in 1918 to cease hostile engagement in World War I. Though it was not the official end to the Great War, it was a time when the world celebrated the end of hostilities. To learn more about this holiday and how it came to be, visit https://www.va.gov/opa/vetsday/vetdayhistory.asp.

    We want to say a special thank you to all who have served our country in war. Some gave all, and to their families we want to say that our prayer is that you may be comforted by the memory of your brave loved ones. We are truly living in the land of the free because of the brave.

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  • National Veterans and Military Families MonthNovember 04, 2019

    The month of November has been proclaimed a month to celebrate veterans and military families. We are extremely grateful to all the men and women who serve this great nation in our military branches. We also know that those brave souls depend on their families for love and support while at home and serving abroad. To enlist in the military is to accept that personal sacrifice must be made, and the family members who stand beside those servicemen and women have sacrifices to make as well. To all who serve and who have served and to those who love those service members, you have our eternal gratitude.

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  • Preparing for Winter TemperaturesOctober 29, 2019

    frozen pipe


    Like it or not, colder weather is bearing down on Missouri. As we press on toward winter, make sure your property is prepared and your insurance policy is equipped to provide coverage in the event of a winter weather loss.

    • Always maintain heat during winter months, even in vacant dwellings/businesses. If you are going to be away from your home, you can reduce the heat so it won’t run as much, but ensure it’s not too low, as water lines in exterior walls could freeze in times of extreme wind chill or temperature drops.
    • Winterize your pipes when possible and, again, maintain heat at an appropriate level; simply leaving it above freezing will most likely not be sufficient. Freezing pipes and the resulting damage may not be a covered loss under certain types of insurance policies. In addition, policies that do contain coverage for the peril of freezing may not cover loss that results from your failure to maintain heat or properly winterize the structure.
    • Turn off the water and winterize the lines at your home if you’re leaving for a few days. This can mitigate the possibility of a water-related loss while you are away.

    Check with your insurance company or agent if you need help understanding your policy, and brace yourself for winter!

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

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  • October Employee Work AnniversariesOctober 22, 2019

    Three of our wonderful employees started their careers at Barton in the month of October.

    Heather Williams joined the Barton family in 2001. She worked a few months in the Policy Production department and soon moved to the Accounting department, where you will find her today. She is our Accounting Administrator, and she is the authority on all things billing. We are glad Heather has stayed with us for 18 years, and we appreciate all the work she does on a daily basis.

    Larry Bahr started working at Barton in 2009. He has been a Personal Lines Underwriter for his entire 10 years here. Over the years, he has picked up additional duties, such as snake catching/disposal and his most important role: Chief Toilet Officer. We appreciate Larry’s willingness to help where it is needed and his ability to keep smiling through it all.

    Adam Crowder joined us in 2015. He was hired as a Field Manager for the area near his home in Oregon County. He spends his days adjusting claims, inspecting properties and visiting the agents in his territory. Adam learned the job quickly and continues to do a great job for us.

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  • Agent Meetings 2019October 15, 2019

    meeting route


    Each year we host meetings around the state of Missouri for our independent agents. Those meetings are an opportunity for us to connect with our agents in their area and educate them about items related to insurance in general and Barton specifically. The meetings are spread across two weeks, and six of our employees attended every meeting as presenters. President/CEO Brian King brought updates on our company from the past year. Director of Digital Marketing/Project Manager Tabitha Beaman discussed the upcoming changes for agents working with Barton as we replace our policy administration system. Claims Administrator Dawn Slinker covered commonly asked claims questions, from both agents and insureds. Vice President/COO Dorothy Spivey tackled some common policy endorsements, and she talked about our Artisans program. One of our Directors of Field Operations, Josh Roy, discussed water damage claims and ways to stop water losses before they happen. Marketing Representative Dave Barrett had the pleasant task of discussing 2020 rate reductions and reminding agents about our profit sharing bonus and co-op advertising.

    Because it is our 125th anniversary this year, we gave away two $125 cash prizes at each of our meetings. Attendance was great this year, and we were thrilled to see everyone who came out. Smart Choice sponsored all of our meetings and Craig and Janet Olmstead joined us for the meetings.

    The first week, we started in St Louis, moved to Columbia and wrapped up in Blue Springs. The second week, we traveled across southern Missouri to Cape Girardeau and ended in Springfield. We love getting to travel across our beautiful state, but there is no place like home. We would love to connect with even more agents next year, and we hope to have several new updates to bring to you!

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  • Covering Your Past, Present and Future Insurance NeedsSeptember 23, 2019

    Last week, some awesome ladies got together to decorate a wagon for the Liberal Prairie Days parade. They did an amazing job and took third in the float competition on Saturday. Several of the same ladies walked along with the float to hand out goodies, and our very own President/CEO drove the tractor that pulled the float. We owe a special thanks to Larry and Delaney for representing Barton’s past and present!

    parade 2019

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  • Big Week for BartonSeptember 16, 2019

    We have been celebrating our 125th anniversary all year long, and this week will be a big one for us. On Wednesday, we are hosting an Open House at our office from 1:00-3:00 PM. This event is open to the general public, and we are serving snacks and cake, giving out Barton swag, and drawing for a Yeti cooler. We are excited for the visitors who will come to help us celebrate!

    Later in the week, some of our diligent employees will be decorating a float for Barton to put in the Liberal Prairie Days festival on Saturday. Employees will walk beside the float and hand out treats to the crowd.

    Our 125th anniversary is a big one, and we are trying some new things this year in order to include others in the celebration. If you are not busy this week, please plan to visit our office for the Open House and catch the parade Saturday at 5:00 PM.

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  • September Employee Work AnniversariesSeptember 09, 2019

    September brings the autumnal equinox, and September brought us Maria, Pam, Robin, Tabitha and Charla.

    Maria Kavanagh came on board with us in 2001. She handles the mail room for us and is the sole member of our Scanning department. If it’s going out or coming in, Maria can take care of it. With our efforts to reduce paper usage, some of Maria’s duties have transitioned to electronic communication with both agents and field managers. She has adapted well and maintains a positive attitude. We are thankful that Maria has chosen to stick with us for 18 years. We hope to keep her around for even more.

    Pam Mark and Robin Peckman started 13 days apart in 2005. Today you will find the two of them in our front office, greeting visitors with a smile.

    Over the past 14 years, Pam has worked for the Scanning, Accounting and Policy Production departments. She currently processes many of the personal lines applications and amendments for us and is helping check commercial policies as we convert them to our new software. Though we aren’t sure if her many moves around the building leave her itching for frequent change or grateful to stay put for a while, we are appreciative of her willingness to move where she is needed and take on new duties for the good of the company.

    Robin has worked in the Policy Production department for all of her 14 years with us. Over the last year, she has transitioned into doing our cancellations on most days and tracking our new applications. She also serves as a backup for several other functions, which helps cover duties and allow time off for other employees. We are grateful for Robin’s flexibility and sunny disposition.

    Tabitha Beaman and Charla Boehne both started with us in 2008, only five days apart. While they don’t sit near each other, they do often work together on projects in the office.

    Tabitha currently sports two titles: Project Manager and Director of Digital Marketing. Those are fancy ways of saying she spends a lot of time working on our current software project and our social media pages. In her 11 years with Barton, she has learned a lot, and she continues to grow in her knowledge each day as she works on multiple ongoing projects around here.

    Charla has spent her 11 years with us in Policy Production, but she has also cross-trained in the Accounting department. She currently handles our agency/agent licensing and is transitioning into Analyst duties. She also serves as one of our customer service representatives, which means you may get a chance to speak with her when you call. Her days are usually quite full and varied, and she handles it with great aplomb. Thankfully for us, Charla exhibits a willingness to help where she is needed, and we are glad to have her on board.

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  • September = National Preparedness MonthSeptember 05, 2019

    planning


    We’ve covered it before, but it can’t hurt to cover it again: September is National Preparedness Month. Having a plan for when disaster strikes at home, at work or on the go can make a huge difference in the impact an event will have on you and your family. Visit http://www.ready.gov/september to see the recommended plans for the month.

    In the spirit of preparedness, don’t forget to read your insurance policy and check with your insurance agent to be sure you are protected against disasters that might happen in your area. Take some time to inventory your belongings in case the unthinkable happens. The National Association of Insurance Commissioners (NAIC) has developed an app (available in iTunes or Google Play) to allow you to catalog your belongings electronically, and they also offer a downloadable PDF if you prefer to have a hard copy. Creating a home inventory will also help you determine if you have enough coverage for your belongings. Consult your licensed insurance agent for assistance in understanding or altering your coverages.

    The biggest hurdle to overcome in being prepared is planning. While we all hope we won’t need to use our plans, disaster can strike anywhere at any time.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • It’s Back-to-School Time: Take ID Theft Awareness to UniversityAugust 26, 2019

    Beyond credit cards and bank accounts, identity theft can be used to obtain fraudulent IDs, takeover mobile phone accounts, steal utilities, obtain mortgages or rental leases, get a job, or steal your tax refund. You name it and identity thieves have probably figured out a way to rip it off. For victims ages 20 to 29, the most reported types of identity theft are:

    • 26% credit card
    • 21% other identity theft
    • 14% employment or tax
    • 14% phone or utilities
    • 11% loan or lease
    • 9% bank
    • 3% government ID or benefits

    Dramatic increases in two types of fraud have been noted by researchers. Among under-21 victims in the UK, there has been a 79% rise in bank, debit and credit card related fraud.1 Meanwhile, in the US, mobile phone account takeovers nearly doubled in one year, from 380,000 incidents in 2017 to almost 680,000 victims in 2018.2

    Talk to students about the dangers

    Share the facts in this article with students you know and encourage them to be extra vigilant when they go off to college. With the right knowledge and cyber defense solutions, students don’t have to become victims of identity theft.

    We have partnered with CyberScout to offer comprehensive identity management services. If you detect suspicious activity or would like to proactively protect your identity, contact us at 417-843-6265 to be connected to a CyberScout fraud expert.


    1 “Young fraud victims on the rise: new data reveals 24% in under-21s falling victim to identity fraud,” Cifas, October 10, 2018

    2 Ibid.

    All Updates

  • Employee Recognition for Years of ServiceAugust 19, 2019

    Rusty

    In early August we hosted our summer field meeting and had a chance to honor our field manager who reached a milestone year of service in 2019. Rusty Smith celebrates 15 years of service to the company this year. He has been a Field Manager in the southern part of the state since his hire date. We appreciate Rusty and his commitment to this company!

    All Updates

  • News Release: Barton Mutual Insurance CEO Awarded Company Representative of the YearAugust 12, 2019

    MAIA award


    For Immediate Release
    Contact: Matt Barton, MAIA
    573-893-4301

    Jefferson City, Mo. – Brian King, CEO of Barton Mutual Insurance Company, was recently presented the Company Representative of the Year Award from the Missouri Association of Insurance Agents (MAIA). King accepted the award during the Associations’ annual Missouri Agent Connection (MAC) Summit.

    King has served at Barton Mutual since 1993. He was an underwriter for several years and served as VP of underwriting before being elected by the board of directors to his current role of president/CEO in January 2018. He graduated from Liberal High School in 1987 and from Missouri Southern State College in 1992. He is a member of the Verdella Free Will Baptist Church in Liberal. He has been married to his wife Elizabeth for twenty years, and they have four children: Jake, Christopher, Kennedy and Madison and one granddaughter, Olivia.

    In 2011, a massive tornado struck parts of southwest Missouri, and Barton Mutual suffered large claim losses as a result of that event. The company made a commitment to recover from those conditions and, today, through King’s leadership the company has emerged from financial peril and is again a strong insurance carrier serving the citizens of Missouri.

    Barton Mutual Insurance Company was established in 1894 as a single-county farm fire insurer called the Farmers Mutual Fire Insurance Company of Barton County, Missouri. The office was in Liberal, Missouri. The company purchased the Farmers State Bank building on the west side of Main Street in Liberal and moved into the building in 1929. The company continues to operate using the original building and has expanded into buildings on each side. Barton Mutual now occupies seven buildings on Main Street and owns the building where the Post Office is located.

    In June 1971, the company changed its name to Barton County Mutual Insurance Company and expanded the charter to write state-wide. Today, more than 420 agency locations in the state function as points of sale for Barton Mutual Insurance.

    Awarded to a company employee who is currently conducting the majority of his/her business in Missouri, the Company Representative of the Year award is presented to the individual who has done the most to promote the MAIA, foster better company/agent relations, produce new business and help agents give their clients the best service in the industry. The award recipient is selected by the MAIA board of directors.

    Founded in 1899, the Missouri Association of Insurance Agents is the oldest and largest association of independent agents in Missouri, representing some 4,000 independent agents, brokers and their employees. Its members are businesses that offer customers a choice of policies from a variety of insurance companies. Independent insurance agents and brokers offer all lines of insurance property, casualty, life, health, employee benefit plans and retirement products.

    ##

    Missouri Association of Insurance Agents
    3315 Emerald Lane, Jefferson City, MO 65109 | Email: maia@moagent.org
    Phone: 573-893-4301 | www.moagent.org

    All Updates

  • Identity Theft: One Subject You Don’t Want to Learn in CollegeAugust 05, 2019

    college students


    As students head off to school this fall, they need to stay vigilant against the scams, schemes and tricks of identity fraudsters. Student identity theft is on the rise all around the world.

    Like most predators, identity thieves like to target the young and the elderly. That’s why college and university students frequently become victims of identity theft. Consider these statistics:

    • 49% of all suspected identity fraud cases in Canada have a victim aged 18 to 34.1
    • There’s been a 24% rise in identity fraud among UK victims under 21 years of age.2
    • 19% of all identity theft complaints in America are made by people ages 20 to 29.3

    Students make ideal victims for fraudsters

    There are several reasons why students are so often targeted by identity thieves. First, they tend to be less guarded and cautious with personal information, so it is easier to gather the necessary data points. Second, they are often less vigilant about preventative security measures, like pulling credit reports and safe browsing and social media. A recent survey in Canada revealed that Millennials scored the lowest among all age groups at taking preventative measures against identity theft and fraud.4

    Students also fill out forms and applications continuously, for everything from student aid and loans, to housing, credit cards and jobs. They can often be duped into filling out information for a company or club that isn’t legit. Finally, most students have a limited credit history, and businesses want to form credit relationships with them. Assuming a student’s identity often makes it easy for fraudsters to obtain loans or credit cards.

    Inexperience can lead to misplaced trust

    For many young adults, college or university is their first extended stay away from home. They lack the experience with flim flam and con artists that their parents have gained over a lifetime of adulting. It therefore is not surprising that students tend to put their trust in people too quickly and overshare personal information while making new friends. This can be disastrous.

    Today, ‘friendly fraud’—where the victim knows the perpetrator—accounts for 15% of all fraud committed.5 In cases of identity theft where the fraudster opens a new account, more than half of victims know the thief!6 It’s best to be reserved about personal details when getting to know new roommates, friends or love interests.

    We have partnered with CyberScout to offer comprehensive identity management services. If you detect suspicious activity or would like to proactively protect your identity, contact us at 417-843-6265 to be connected to a CyberScout fraud expert.

    1 “Equifax Canada Reports: Millennials Top Target for Fraudsters,” Equifax Canada, March 28, 2017.

    2 “Young fraud victims on the rise: new data reveals 24% in under-21s falling victim to identity fraud,” Cifas, October 10, 2018

    3 “Consumer Sentinel Data Book: 2018,” US Federal Trade Commission, 2019.

    4 “Equifax Canada Reports: Millennials Top Target for Fraudsters,” Equifax Canada, March 28, 2017.

    5 Ibid.

    6 Ibid.

    All Updates

  • Pool Maintenance TipsJuly 29, 2019

    girls in pool


    Summer is in full-swing, and personal and public pools are open for enjoyment. If you own a pool, it can provide hours of summer fun, but it must be properly maintained. These tips from swimmingpool.com will help you keep your pool working well all summer and help minimize the chance of an accident. Be sure to read the entire article for more details!

    • Never use extension cords around a pool or spa.
    • Never enter the water when a utility pump is running.
    • Never put an aluminum vacuum handle into the pool.
    • Never swim in your pool or hot tub during an electrical storm.
    • Pool chemicals and chlorine should be stored in a locked area and kept out of the reach of children and pets.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Baby, It’s Not Cold OutsideJuly 22, 2019

    hat by pool


    As the heat turns up outside, it is important to take care of yourself. Heat poses a unique threat to our bodies. Make sure you are drinking plenty of water, cooling down when you get too warm, and trying to avoid the heat during the hottest part of the day (approximately 2:00-5:00 PM). Be aware of your body and your limitations. It is important to recognize the signs of heat exhaustion and stop it before it gets worse. Headaches, dizziness, cramping, and nausea are all symptoms of heat exhaustion. If you think you or someone else is experiencing heat exhaustion, get cooled down as quickly as you can and drink water or a sports drink to replenish your body’s moisture.

    While you are out in the sun, make sure you are applying sunscreen frequently. Some recommend applying every two hours and using at least SPF 30. Wear sunglasses with UVA and UVB protection, and consider a wide-brimmed hat if you will be out for a while or are especially fair-skinned.

    Above all, equip yourself to be heat smart and enjoy the summer!

    All Updates

  • Your Insurance Coverage MattersJuly 15, 2019

    insurance

    One of the problems that people may face during a time of loss arises out of their policy not being current, resulting in an uncovered loss. When things change in your life, it may matter to your insurance company. Finding out something isn’t covered at the time of the loss is never a good thing, so keeping your policy up-to-date is critical to protect your assets.

    If you had a change in your marital status, be sure to update your policy. If you move out of your home, either temporarily or permanently, a traditional Homeowners policy may not cover everything you need. If you make updates to your home (replace the roof, add on, remodel, etc.), you may need to increase your coverage or change how your property is covered. Changes to the heating source you use at your home or business can also affect coverage.

    When in doubt, contact your licensed agent. Your insurance agent can assist you in determining what might require a policy change, what might require a separate policy, and what might mean you can remove coverage from other items. Insurance is a wonderful risk management tool, but as with any tool, it must be properly maintained to be effective.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • July Employee Work AnniversariesJuly 08, 2019

    This month we celebrate our independence, and we are also celebrating that three people exercised their independence by choosing to work with us!

    Debbie Heitz came on board with Barton in 2001. For all of those 18 years, she has been an underwriter, working with agents across the state as they quote and write personal and commercial business with us. She had prior underwriting experience, and her expertise has proven invaluable for us. We are blessed that Debbie has given us so many years of great service!

    Karen Collier is celebrating 15 years with Barton. She started her work here in our Policy Production department, eventually moving to Accounting. In 2009, she began working as a backup for the Claims department, and that went so well they moved her to that department. She still works for Claims and fills in with accounting duties as needed, and she also takes on customer service duties a few times a week. If we’re running low on supplies, Karen makes sure we get restocked, so we also have her to thank for keeping the coffee flowing around here. We are happy to have the multi-talented Karen on our team!

    Josh Roy has been working for Barton since 2006. He hails from the Stockton area and has served as a Field Manager for the agents and insureds in that territory all 13 years. In 2016 he was made a Co-Director of Field Operations, adding supervisory and oversight duties to his normal routine of adjusting claims and inspecting properties. We tap into his knowledge and entertaining personality periodically when he presents at our annual agent meetings. Josh knows his job very well, and we are fortunate he is using his abilities to the benefit of Barton.

    All Updates

  • Independence Day SafetyJuly 01, 2019

    the 4th


    July 4 is a great day to plan a BBQ and set off fireworks. You should celebrate the birth of our nation, as John Adams once penned: “[Independence Day] will be the most memorable Epocha, in the History of America. I am apt to believe that it will be celebrated, by succeeding Generations, as the great anniversary Festival. It ought to be commemorated, as the Day of Deliverance by solemn Acts of Devotion to God Almighty. It ought to be solemnized with Pomp and Parade, with Shews, Games, Sports, Guns, Bells, Bonfires and Illuminations from one End of this Continent to the other from this Time forward forever more.”

    As with any activity, there are safety precautions that should be observed. Property Casualty 360 provides a slideshow of 10 ways to be safe when you BBQ. And since no July 4 celebration is complete without fireworks, be sure to review these firework safety tips from National Safety Council.

    So spend time with your loved ones, enjoy the summer holiday, and be safe this week.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • National Insurance Awareness DayJune 24, 2019

    insurance protection

    It’s time to STOP…and review your insurance coverage. June 28 has been designated National Insurance Awareness Day. We would be remiss in our duties if we didn’t remind everyone to review their insurance coverage and their need for coverage. You should assess how your insurance coverage compares to what you own or rent to and from others. A call to your insurance agent can assist in determining if you have adequate coverage. Be sure to mention what has changed since your policy was issued. Some changes are significant and can affect your coverage, so be sure and discuss any changes you have made. Adding or removing wood heat, other adults living in the home, renovations and purchases are examples of things you should discuss with your agent. Please don’t wait for a claim to happen before you contact your agent.

    Also consider an annual update to your personal inventory to be sure you have a current list of all your belongings. If you don’t already have a list, you can download a PDF file or order a hard copy booklet for tracking your home inventory from the Missouri Department of Insurance.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Six Ways to Protect Your Online IdentityJune 17, 2019

    phone in hand
    1. Limit what you post. Don’t overshare the details of your personality, family background, or daily life. Think carefully about the information you’re disclosing online because it could come back to bite you.
    2. Lock down access to your accounts. Choose better, stronger passwords and change them periodically. Don’t use the same password for multiple accounts or share login credentials. Add an additional layer of security by enabling two-factor authentication.
    3. Be picky about third-party apps. Don’t allow other apps to post to your social media accounts on your behalf. Be wary of quizzes and games that want access to your profile.
    4. Be photo smart. Avoid posting images that share sensitive data like bank account or driver’s license numbers. Don’t use a full-face image for your profile picture. Remove geo-tags from your photos before posting.
    5. Manage privacy and audience settings. Periodically check your privacy control settings to ensure you’re not publicly sharing your information. Be cautious when you receive unsolicited friend or follower requests.
    6. Pay attention to your mobile phone. Don’t use public WiFi networks to log in to your social media accounts. Turn off Bluetooth and WiFi settings on your phone when not in use to prevent scammers from unauthorized access to your accounts.

    We have partnered with CyberScout to offer comprehensive identity management services. If you detect suspicious activity or would like to proactively protect your identity, contact us at 417-843-6265 to be connected to a CyberScout fraud expert.

    All Updates

  • Why You Shouldn’t Overshare on Social MediaJune 10, 2019

    social phone


    More than 3.3 billion people around the world are using social media to connect, share, and engage with others.1 According to Pew Research Center, social media usage has grown from 5% in 2005 to nearly 70% of Americans today.2

    Unfortunately, social media networks present more opportunities for fraudsters to steal your information. An innocent post about your trip out of town increases your risk of burglary. Completing an online quiz about your hometown or childhood may reveal answers to your online banking security questions.3

    Educate Yourself and Your Children

    According to Experian, consumers reveal an average of 3.4 types of personally identifiable information online,4 such as personal ID numbers, birthdays, home address, phone numbers, and log in credentials. Identity thieves, stalkers, and bullies can use this information to impersonate you, steal your identity, extort money from you, or harass you.

    Fraudsters also use social media to carry out phishing attacks. For example, they may create an account to impersonate your favorite celebrity or brand and offer freebies to lure you into clicking on malicious links. To protect yourself and your children, it’s important to follow best practices and take control of your privacy settings5:

    Facebook is the largest social network. Some information is always made publicly available, including your name, profile picture, cover photo, and gender. Use the site’s privacy settings to individually adjust how you share your photos, status updates, likes, etc. For the most security, avoid any public settings.

    Instagram is especially popular for users younger than 35. It’s recommended to have a private account, but if you choose to keep your feed public, you should turn off your phone’s geo-location and the “Add to Your Photo Map” option to avoid sharing your whereabouts with everyone.

    Twitter has 319 million monthly active users—but it’s estimated that up to 15% are bot accounts.6 You should make your Twitter account private, so only users approved by you can see your Tweets. Additional privacy controls help you avoid sharing location data, block apps, and report impersonation accounts and spam.

    Snapchat appeals to younger social media users and allows users to send “Snaps” to their contacts. Once a user-set time limit expires, a message is hidden from the recipient’s device. However, it’s important to stress—especially with kids—that content is never completely private and you should discuss what’s ok and safe to share online. Additionally, you should always ignore or block unknown users who add you.

    We have partnered with CyberScout to offer comprehensive identity management services. If you detect suspicious activity or would like to proactively protect your identity, contact us at 417-843-6265 to be connected to a CyberScout fraud expert.


    1 We Are Social, 2018 Q4 Global Digital Statshot

    2 Pew Research Center, Social Media Fact Sheet, pewinternet.org

    3 Kent Lewis, “How Social Media Networks Facilitate Identity Fraud and Theft,” Octane Magazine, eonetwork.org

    4 Sue Poremba, “What is Personally Identifiable Information,” Experian.com

    5 “How to Manage Your Social Media Privacy Settings,” The University of Texas at Austin Center for Identity, identity.utexas.edu

    6 Michael Newberg, “As many as 48 million Twitter accounts aren’t people, says study,” cnbc.com

    All Updates

  • June Employee Work AnniversariesJune 03, 2019

    Summer is wonderful for so many reasons, and we need to recognize one of them: the addition of these four people to our work family.

    Brian King has served at Barton Mutual since 1993. He was an underwriter for several years and served as VP of Underwriting before being elected by the Board of Directors to his current role of President/CEO in January 2018. A native of Liberal, Brian is invested in the community. Barton Mutual is fortunate to have a leader with so many years of experience in the industry and at this company. The years under his direction have gone well for Barton Mutual, and the future looks bright.

    Missy Davied celebrates her 20th year at Barton Mutual this year. She serves the company well as a Customer Service Representative and Policy Production Administrator. If you are a policyholder, you might get to speak with Missy if you call to make a payment or have a question about your policy. She is also a local, and we are thrilled that she has spent 20 years growing and learning with us. Her wealth of experience comes in handy!

    Teri McCleary joined the Barton Mutual family in 2003. She worked in our Policy Production department for a while, and then she transitioned to Claims, where she serves today. When our policyholders experience a loss, Teri will be there to make sure the process goes smoothly for them. She also shares duties as a Customer Service Representative. If you ever see photos on our social media accounts of our parties, dinners, or business trips, you have seen Teri at work. She does a fantastic job feeding us and making sure we find time to celebrate when it is necessary. Work is more fun when Teri is part of it, and we don’t know what we would do without her!

    Jeremy Goodell is the “new kid on the block.” He celebrates his 1st anniversary at Barton Mutual this year. Most of his career before coming here was spent as IT Director for a pharmacy chain, so we were fortunate to snag him as Director of IT/CIO. We threw him in the deep end as soon as he started, and it turns out he can swim really well! We look forward to many more years with Jeremy on board with us.

    All Updates

  • What To Do If You Have Storm DamageMay 28, 2019

    roof


    Severe weather pushed across Missouri and other states last week, causing damage and bringing additional rain that we just didn’t need. Our prayer is that we will be able to quickly and efficiently serve those who need us and that God will comfort those who have lost material items, and more importantly, loved ones.

    Our policyholders can report a claim to our office or to their agent. Please be specific about the extent of the damage so we can arrange our adjusters’ schedules to more efficiently work the claims. The brief checklist below should also help you as you endure the process of getting your life back together.

    • Take photos of the damage if possible. That will help our adjuster in seeing how the damage looked immediately after the event and allow you to make temporary repairs if necessary.
    • Temporary repairs should be made to prevent further damage. For example, windows may need to be boarded up or a roof tarped. Save your receipts!
    • List the items that were damaged. Do your best to record the approximate date purchased, purchase price, and current replacement cost.

    Once our adjuster has inspected the property, you should hire a reputable contractor to perform the repairs. Make sure to obtain an estimate before authorizing work. If the estimate is higher than your adjuster’s appraisal, you should obtain a second estimate and contact the insurance company before proceeding with repairs. Contact the insurance company right away if additional damage is found and don’t begin permanent repairs on the additional damage until it has been inspected.

    We are here for our policyholders as they rebuild from any loss. If you ever have questions during a claim, our office staff, our adjuster or your agent are all available to answer them for you.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Mutual and Loving It!May 20, 2019

    think mutual


    This week, three of our staff members are attending the Farm Mutual Forum hosted by the National Association of Mutual Insurance Companies (NAMIC). This event is tailored to smaller mutual companies like Barton Mutual and provides valuable insight, networking opportunities, and important discussions with members of other mutual companies similar in size and operation. NAMIC recently published an article about small mutual companies and the impact they have on their communities and the benefits they provide to their policyholders.

    Mutuals like Barton Mutual have been around for many years. It isn’t odd to find a mutual company is over 100 years old or that the employees have served long-term. Many mutuals have their home office in smaller communities, and they feel a deep sense of connection to the area they serve. Barton Mutual writes business across the state of Missouri, with our home office located in a small town in the southwest part of our state where the company was formed in 1894. The office is literally on Main Street of Liberal, population of around 750. This makes our company stronger, because our staff members have deep ties to Liberal and the surrounding small communities. Many of our office employees are Liberal alumni who raised or are raising their families here, too. Our field adjusters are hired from the area they will serve, so the person adjusting your claim might be someone you would see in the store or a ball game in your town. When you call our office, you get to speak with a real person. That person is knowledgeable and can give you the answer quickly or find the right person who can. We also partner with independent insurance agents across the state to allow you to purchase your insurance coverage from someone with your best interest in mind. The independent agent can write with a variety of companies, which means they can help you find the best coverage for you, whether that is with Barton Mutual or a different company. You can use our agent finder to locate an agent in your area who can quote a policy for you.

    The average years of service for our office employees is 19.5 years. Our field adjusters have a lower average at 6.2 years, but we have said good bye to a few of our longer serving adjusters as they have retired over the past couple of years. Overall, Barton Mutual employees average 15.7 years of service to the company. That means when you have a policy with Barton Mutual, you can rest assured that the employees know the business and know the company.

    When you are shopping for an insurance policy, don’t forget to think mutual.

    All Updates

  • Find Us On Social Media!May 13, 2019

    Barton Mutual is active on Facebook, Instagram and LinkedIn. If you’re on any of those platforms, be sure to find our profile/page and follow us. As we celebrate our 125th anniversary this year, we’re doing a Facebook giveaway each month, but you won’t see if it you don’t like our page. We would love to connect with you, and we want to know what you’d like to see from us as an insurance company serving the state of Missouri.

    https://www.facebook.com/bartonmutual

    https://www.instagram.com/bartonmutual

    https://www.linkedin.com/company/barton-mutual

    All Updates

  • Don’t Let Identity Theft Ruin Your Summer Vacation FunMay 06, 2019

    Summer Vacation


    Summer is nearly here, bringing a bit of rest and relaxation to hundreds of millions of people around the world. Workers eagerly anticipate summer vacations: 68 percent of Americans and 64 percent of Europeans planned a summer holiday in 2018.1 Vacations create special memories and experiences that we all cherish.

    Unfortunately, vacationers face an increased risk of identity theft while traveling, from pick pockets to fraudulent travel websites and other scams. Perhaps the greatest threat comes from digital travel-related identity theft. Kaspersky Lab found that travelers are more likely to be robbed of their data than their money. One in five international travelers gets hit by cyber crime abroad.2

    Let’s examine ways you can guard against digital identity theft while enjoying your travels.

    Security trumps bargains: Stay safe while booking travel online

    Fraudulent travel websites pop up during the two busiest vacation times of the year—summer and end of year—to lure in bargain hunters. Stick only with name brand travel aggregator sites like Priceline, Orbitz, or AirBnB when making reservations. Or book directly with the airline, hotel, or car rental of your choice. You may want to create a free Gmail or Hotmail email address to use when making online reservations.

    Even if you avoid the shady websites of internet travel scammers, your personal information can still be at risk. In the last two years, hackers have hit the travel industry hard, causing major data breaches at Marriott, British Airways, Delta Air Lines, and Orbitz. In the Marriott breach alone, 5.25 million unencrypted passport numbers may have been exposed.3 Because these travel-related brands have a lot of personal information about their guests, experts expect the cyber attacks to continue.

    The most threatening destination? Unsecured public WiFi

    With mobile devices, there is pressure to remain constantly available for calls, texts, and emails. Forty-four percent of people get online before leaving the airport and 50 percent are connected by the time they arrive at the hotel.4

    Don’t be your own worst enemy. Stay off unsecured, public WiFi networks. That includes most airports, restaurants, and tourist attractions. Rely on your cellular data plan, a password-protected, private WiFi network, or use a VPN. Sadly, most travelers ignore this critical threat, with 75 percent connecting to public WiFi abroad, and nearly half shopping or banking on public WiFi.5

    Up the security for your devices while traveling

    Turn off the automatic connection to WiFi option on all of your devices (laptops, phones, tablets), so they don’t seek out public networks. You may be able to use your phone as a cellular, password-secured hotspot. Avoid using public computers found in internet cafes or hotel business centers, but if you must, make sure the web browser isn’t storing your login information and clear the browser’s cache, history, and cookies when you are finished.6

    Delete phone apps that contain financial information such as payment apps and online banking apps. You can reinstall them once you return home. Before you leave, set up a new password or PIN to lock down each of your devices and upon returning home, change it again. Keep careful track of your phone to guard against pickpockets.

    Watch out for data skimmers at public charging stations. The Global Business Travel Association recommends using a juice-jack protector on the end of your USB cord if you must plug into a public charger, or better yet, travel with your own charging device.

    Don’t let identity theft ruin your summer vacation

    We have partnered with CyberScout to offer comprehensive identity management services. If you detect suspicious activity or would like to proactively protect your identity, contact us at 417-843-6265 to find out how you can be protected.


    1 “2018 Summer Holiday Plans Among Europeans, Americans and Asians,” Ipsos, May 23, 2018.

    2 “Kaspersky Lab International Travel Report: the urge to connect at any cost is putting international traveler’s data at risk,” Kaspersky, June 28, 2016.

    3 “How to Safeguard Your Tech, and Your Money, While Traveling,” The New York Times, February 4, 2019.

    4 “Kaspersky Lab International Travel Report: the urge to connect at any cost is putting international traveler’s data at risk,” Kaspersky, June 28, 2016.

    5 “Kaspersky Lab International Travel Report: the urge to connect at any cost is putting international traveler’s data at risk,” Kaspersky, June 28, 2016.

    6 “Internet Security for Travelers,” Rick Steves’ Europe.

    All Updates

  • Employee Appreciation and Recognition for Years of ServiceApril 29, 2019

    employee appreciation


    Last Friday we spent time honoring our employees for their service to Barton Mutual. During the provided lunch, we recognized office employees who have reached milestone years with the company. Our field managers who have reached milestone years will be recognized at our summer field meeting.

    • Larry Bahr, Personal Lines Underwriter, celebrates 10 years of service to the company this year.
    • Karen Collier, Claims Clerk, celebrates 15 years of service to the company this year.
    • Missy Davied, Production Administrator, celebrates 20 years of service to the company this year.
    • Jacqui Nichols, Treasurer/CFO, celebrates 25 years of service to the company this year.
    • Gayla Charlton, Systems Administrator, celebrates 40 years of service to the company this year.

    State Representative Ann Kelley was also on hand to present a Missouri House Resolution recognizing Barton for 125 years of service to Missouri. Each current board member and employee is mentioned in the resolution. We appreciate Representative Kelley joining us, and we definitely appreciate all of our hardworking employees.

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  • April Employee Work AnniversariesApril 22, 2019

    April showers bring…several great employees! This month six of our amazing employees are celebrating their anniversary with us.

    Lea Anne Meadows is our second longest serving employee. Her 41 year career has been such a blessing to us. You may recognize her as one of our friendly CSRs. She works in our Accounting department and spent several years in our Policy Production department before that. You would be hard-pressed to catch Lea Anne having a bad day, and we really appreciate her optimistic outlook on life.

    Cherie McNaught has been working for us since 1991. In her 28 years with us, she has worked in various departments, finally ending up as our Payroll/Benefits Manager. Every other Wednesday is an important day for all of us, and Cherie continues to make sure we get paid on time. Her dedication to her job speaks volumes, and we are fortunate to have her on the team.

    Jacqui Nichols has been with Barton for 25 years this month. She has worked in a variety of departments during those years, and in 2013, she was named Treasurer/CFO. While we have yet to get her to approve the purchase of an ice cream machine for the office, she does do a great job managing the budget, and we’re glad she was helping us navigate the waters of our experience since 2011.

    Rusty Smith was hired as a Field Manager for Barton in 2004. He covers the counties of Lawrence, Barry, Stone, Christian, Taney, Douglas, and Ozark in southern Missouri. As a claims adjuster, he works very well with our insureds, and he does a great job representing us to the agencies in his territory. We are thrilled to have Rusty working for us in his neck of the woods, and we are sure he is appreciated by the agents who work with him.

    Jason Wolfe is one of our Directors of Field Operations. He has worked for Barton since 2007, covering the area of the state around Springfield. His current territory includes Greene County, Webster County, Wright County, Polk County, Dallas County, and Laclede County. As one of the directors overseeing the other Field Managers, he works alongside our other Field Managers regularly. He also presents periodically at our annual agent meetings. Jason’s professionalism is appreciated, and we are confident he represents our company well.

    Teri Minshull joined the Barton family in 2015. She serves as a Field Manager in the northwest portion of the state, covering a large swath of counties for us. From adjusting claims to working with the agents in her territory, Teri demonstrates great skill in her job, and we are grateful she chose to work here.

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  • Barton Mutual Now Offering Policy Discounts!April 15, 2019

    If you are a current policyholder with Barton Mutual or considering coverage with us, you may be eligible for our new discounts when your policy renews or when you write a new policy with us. Contact your agent today or visit our site to find an agent near you.

    • Auto/Home Bundle, 5% Discount: If your auto coverage is with the same agent that writes or will write your primary dwelling policy with us, you will qualify for this discount. We just need to see a copy of your auto dec sheet.
    • Auto/Home BMI Bundle, 10% Discount: In a special arrangement with BMI Company, Inc., we can offer a larger discount if your primary dwelling is insured with us and your auto coverage is written with BMI. We just need to see a copy of your auto dec sheet.
    • Umbrella/Home Bundle, 5% Discount: If you have your primary dwelling insured with us and you also get an Umbrella liability policy with us, you will qualify for this discount on your dwelling policy.
    • Military/Veteran, 3% Discount: Most of our personal lines property policies qualify for this discount. We are grateful to all those who serve or have served in our nation’s armed services, and we want to give back to them in a small way.

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  • News Coverage of Barton MutualApril 08, 2019

    news story


    A local TV station in Joplin, Missouri recently featured our company in a news story. The piece focused on our 125 years of doing business. Our President/CEO Brian King was interviewed about the history of Barton Mutual and how we like to be of service in our small community whenever possible. Long-time employee Gayla Charlton (now our Systems Administrator) was also interviewed about her experience working here. She emphasized the point that we really have a family-like atmosphere and enjoy working together.

    Enough talk about the piece! You can see the video and read the story here: https://www.fourstateshomepage.com/news/insurance-company-reminisces-about-a-century-of-business/1898944039.

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  • Annual Meeting 2019April 01, 2019

    mutual thing


    Mutual insurance companies, like Barton Mutual, are owned by the policyholders. The unique business idea is credited to Benjamin Franklin. As a member of the mutual, a policyholder is entitled to a vote at policyholder meetings. Policyholders are informed of the meeting through policy documents; at Barton Mutual, the information is included on the policy jacket. If the policyholder is unable to attend the annual meeting, they are able to sign a proxy notice to give the President/CEO of Barton Mutual the authority to vote on their behalf. The proxy notice is mailed to policyholders annually with their new or renewal policy. It is printed on the back of the invoice.

    Barton Mutual holds its annual policyholder meeting on the fourth Thursday in March each year. This year ours fell on March 28. Company officers and board members gather at our home office. During the meeting, company officers update everyone on the previous year’s performance. New business is brought to the floor and any members present are allowed to vote. This year, the membership voted to amend the Articles of Incorporation as follows:

    1. Removal of references to assessments or assessable policies
    2. Change of title of President to President/CEO
    3. Change of title of Treasurer to Treasurer/CFO

    Barton Mutual is currently governed by a board of seven members. On the docket for next year’s annual meeting is a resolution to amend the Articles of Incorporation to state that the number of directors can be a range of five to nine. All policyholders are receiving a notice of the proposed change with their new policy or policy renewal.

    Many people do not realize that they can have a say in the workings of their insurance company, and it truly is “their” insurance company in this case. Our annual meeting in 2020 will be on March 26 at 11:00 AM at our home office in Liberal, Missouri. If you are a member policyholder of Barton Mutual, you are more than welcome to attend.

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