This article in the January, 2016 edition of IA Magazine features Eagan Insurance in a detailed profile of a prosperous, expanding, family-owned insurance agency. Marc Eagan, Andrew Eagan and Mallory Ellis were singled out for their innovative and successful approach to running an insurance agency. This is a great way to kick off the new year. Take a minute to read what IA Magazine has to say about us!

As Seen In

Fall Revised

Spring2015 envoy123

Our Recent Awards and Achievements

Your Eagan Insurance Agency

2012-2013 “Book of Lists”


The 2012-2013 “Book of Lists” has been published by New Orleans CityBusiness. We are happy to report that we are now ranked #83 among the “Top 100 Private Companies” in the metropolitan area and are #6 among Property and Casualty Insurance Agencies. We want to congratulate each employee for being a vital part of this agency!



Eagan Named “2011 Agency of the Year”

NFIP and FEMA honor Eagan Insurance with national award

Each year, FEMA recognizes outstanding insurance industry partners for exceptional contributions to the flood insurance program.  Nominations for this prestigious award are reviewed by a selection committee made up of members from the Flood Insurance Producers National Committee, the NFIP Direct Servicing Agent, the Flood Insurance Committee of the Institute for Business and Home Safety (IBHS) and a representative from FEMA.

Criteria used to determine the Agency of the Year:

  • Superior flood insurance policy growth;
  • Implementation of innovative marketing strategies;
  • Participation in flood awareness activities; and
  • Adherence to established underwriting guidelines.

The award was presented at the 2012 National Flood Conference in Austin Texas.



New Orleans CityBusiness hosted their annual luncheon December 9, 2011 to honor the companies selected as excellent work environments based on a long list of criteria, including many tangible and intangible categories.  We were thrilled and so excited to hear our name called as theGold Award winner in the large business group!

Named one of the 2011 Fastest Growing Companies “Ones to Watch” by New Orleans City Business


“Business owners wrestle with risk assessments”


Ignoring insurance details can cost business owners

A former client’s unfortunate story provided Marc Eagan with a lesson to pass along to current customers of his insurance firm on the importance of risk assessment and communication.

These are two areas where business owners commit some of the most costly coverage-related mistakes, he and others in the insurance field say. But with the proper emphasis and guidance, they can also account for the most savings.

The lesson that Eagan’s former client, who owned a tire store, learned the hard way came when he filed a claim to cover losses from a burglary. It was only then that Eagan, president of Eagan Insurance Agency in Metairie, learned that the client was selling jewelry out of the front end of the store.

“The biggest problems are when business owners don’t pay enough attention to their coverage until a loss occurs,” Eagan said.

While there are probably few other shopkeepers who purvey steel-belted radials and keepsake bracelets under the same roof, all businesses benefit when they are forthright and realistic about their coverage needs, brokers say.

It begins with engaging the broker in a process that extends beyond the paperwork involved in renewing policies.

Anderson Baker, president of Gillis Ellis Baker in New Orleans, said agents only get as involved as much as the client allows, and the relationship must be more interactive for the customer to realize cost savings.

“If the business owner sees insurance as part of a larger risk management program, the results will be much better than if insurance is seen as a necessary evil,” Baker said.

In addition to the risk service his employees provide, Eagan said insurance carriers often provide assessment services if a customer’s needs require it.

Even if your business goes years without filing a claim, there is still a need to keep your insurance company plugged into the latest changes and developments. Mark Pennebaker, executive vice president with Brown & Brown Insurance in New Orleans, reports that most small businesses overlook deductibles on their liability policies that could save them thousands of dollars in premiums. Small business owners need to take

the time to make educated choices on how much risk to transfer, he said.“Business owners are usually risk takers by nature, but you wouldn’t know it by examining their insurance programs,” Pennebaker said.

He cited as an example a new customer who has not filed a general liability claim in 10 years. By adding a $10,000 deductible to his policy, he saved $2,500 a year.

“The business owner held $10,000 more risk, but he could be rewarded with $25,000 of savings over the next 10 years,” Pennebaker said.

But such decisions should not be made in a vacuum, especially because most small business owners face the same exposure to risk as their large counterparts, said Frank “Buddy” Seeling, president of Aparicio, Walker and Seeling in Metairie

The first step in conducting an accurate risk assessment with the guidance of an insurance professional, he advises, is identifying exposures that pose a financial threat to the existence or profitability of a business. The process begins with separating exposures into four classifications: property, liability, human resources and net income.

“Once this is completed, a program can be designed around those exposures and priced accordingly,” Seeling said. “This will also answer the question: ‘Why am I buying this?’”

Seeling said business owners should also ask themselves a critical question: “What am I getting from my agent other than the placement of the policies?”

Business owners also raise the probability of higher rates when they file frequent claims. Baker suggests they use insurance as a backstop for emergencies only.

“If the business ‘nickel-and-dimes’ the insurer, the response from the insurer will be the same,” he said.

He and Pennebaker also stressed the importance of workers’ compensation, which also offers savings opportunities.

Baker urges companies to provide accurate information for their experience modifier, which takes into account losses over a three-year period when calculating premiums. For a company that has few to no claims, it stands to reason that its premiums could be lowered.

Pennebaker said business owners should be sure to include themselves in a workers’ comp plan to take advantage of the “great value” of its disability, medical and death benefits.

“The exclusion of owners may leave them completely without medical coverage if there is a workplace accident,” he said, “Many health (insurance) providers will exclude employment-related injuries.”

Editor Greg LaRose can be reached at

Our “Ones to Watch” candidates are chosen from the submissions made to our “Around Town” section for new hires, promotions and awards. To submit the latest news about your business, contact Market Research Director Emily Jones at 293-9203 or

Anitra Blue-Francis
financial representative, college unit director
Northwestern Mutual Life Insurance Co.

Representing Northwestern Mutual since 2007, Blue-Francis currently serves as a financial adviser who specializes in individual financial planning. She is native to LaPlace and graduated from Louisiana State University with a bachelor’s degree in finance.
Blue-Francis is an active member the National Association of Insurance and Financial Advisors.

Robert Braiwick III
commercial lines producer
Eustis Insurance & Benefits

Braiwick joined Eustis Insurance in the summer of 2011 after holding sales and management positions with Verathon Medical and Enterprise Rent-A-Car. A native of New Orleans, he graduated from Ridgewood High School before earning his bachelor’s degree from Louisiana State University.

Jack Duvernay
vice president of employee benefits
Eagan Insurance Agency Inc.

An employee with Eagan Insurance for more than a decade, Duvernay specializes in life, health, disability and employee benefits products. He received his bachelor’s in business from

Louisiana State University and has achieved his Registered Health Underwriter designation.
Duvernay is the legislative chairman for the New Orleans chapter of the Association of Health Underwriters and is an active member in the National Association of Insurance and Financial Advisors. He has been recognized as NAHU’s New Member of the Year and served on the Louisiana Legislative Council, working to craft health care laws.Taylor Gilbert
financial analyst
Chaffe & Associates Inc.

A financial analyst in the Mergers & Acquisitions group of Chaffe & Associates, Gilbert specializes in services to lower and middle market clients across a broad spectrum of industries. Previously, he was a consultant for ReactWell, a clean energy company seeking to turn waste and biomass into synthetic crude oil.
Gilbert earned his bachelor’s in political science and MBA from Tulane University.

Jeff Holtzclaw
assistant vice president
Dorsey & Company Inc.

Holtzclaw joined Dorsey & Co. in 2009. He specializes in 401(k) rollovers for local chemical plant industry retirees and the building and managing of portfolios for small business owners.
A New Orleans native, Holtzclaw graduated from University of New Orleans with a bachelor’s degree in management. He is registered as a Series 7 Full Registration/General Securities Representative, Series 63 Uniform Securities Agent, and a Series 65 Uniform Investment Adviser.

Wendy King
Redhot Strategies

King’s company, Redhot Strategies, serves as an exclusive consultant and product developer for Hub International. As the insurance company’s wellness director, King will oversee the implementation and delivery of new client solutions.
King earned her bachelor’s degree in marketing from Louisiana State University and her MBA from the University of New Orleans. Her previous experience includes serving as director of marketing and client engagement with Gilsbar Holdings and holding sales, marketing and business development positions with iSeatz, Musculoskeletal Management Systems and Kenner Regional Medical Center.



2012 Women of the Year Awards Luncheon

 On Friday, November 16, New Orleans CityBusiness honored 50 of the many incredible women in the New Orleans area at the “Women of the Year” luncheon held at the newly-remodeled Hyatt Regency Downtown.

As previously reported, Cindy was chosen because of her many civic activities, charitable accomplishments and volunteer work.  Cindy was presented with a crystal plaque commemorating her achievements and also received an attractive floral arrangement.  Her biography is profiled in the publication CityBusinessproduced in recognition of this event.

Attached is photo of Cindy and Ron Paulin at the Hyatt.  Congratulations, Cindy!  Another well-deserved honor!


Honoree Cindy Paulin with Ron Paulin

Cindy Paulin named one of New Orleans City Business Women of the Year


 Each year, New Orleans CityBusiness selects 50 outstanding women in the area who are leaders in their career path and in the community. The selection is made by an independent panel who carefully screens over 300 applicants for excellence in character, philanthropy, civic participation and a strong willingness, desire and ability to make a difference.


Marc Eagan quoted on

Hurricane Isaac will introduce many New Orleans homeowners to wind deductibles

Published: Tuesday, September 04, 2012, 7:35 PM     Updated: Tuesday, September 04, 2012, 8:44 PM
Most of Hurricane Isaac’s damage is likely to come from flooding, but for those with wind damage, a special type of deductible instituted after Katrina could be an unwelcome surprise. “I think it’s going to bring to the forefront for the first time since Hurricane Katrina, the existence of these named-storm deductibles,” Insurance Commissioner Jim Donelon said. “I have described it as being for New Orleans what Gustav was to Baton Rouge four years ago.”

After Hurricane Katrina, insurance companies in coastal areas from Texas to Maine instituted special deductibles to shift a major portion of the damage bill back onto the policyholder. In big events such as tropical storms or hurricanes, many insurers in Louisiana require policyholders to pay the equivalent of 2 percent, 3 percent or 5 percent of the value of their home as a deductible before their insurance coverage kicks in.

At Louisiana Citizens Property Insurance Corp., the state-sponsored insurer of last resort, which insures many homes in hard-hit coastal parishes, all policies must carry at least a 2 percent hurricane deductible, and a properties below the Intracoastal Waterway come with at least a 5 percent deductible.




For a $200,000 house, a 2 percent deductible would mean that homeowners need to pay for the first $4,000 worth of damage on their own, and a 5 percent deductible would mean that the homeowners need to pay for the first $10,000 worth of damage on their own.

To find out how much the storm deductible is on your house, check out the first page of your homeowners insurance policy. Companies are required to state in large type what percentage deductible customers have, and do the math on how much money it will be based on the insured value of a home.

Marc Eagan, president of the Eagan Insurance Agency in Metairie, said that most of the downed trees, damaged roofs, leaning fences and water damage from wind-driven rain seeping through windows that his customers are reporting aren’t likely to reach the level of the deductible, so customers are going to have to pay to fix things on their own.

“Many of the claims that have been reported to us probably fall under that deductible,” Eagan said.

But Al Pappalardo, president of Pappalardo Insurance, said that it’s important for people to document their damage and keep receipts for money they spend to fix it, because that spending will count toward the deductible if Louisiana gets hit by a second storm this season that causes more damage.

The Legislature passed a law recently saying that insurance companies could only charge one deductible per hurricane season.

“We’re seeing a number of people who are just documenting for a multiple storm-deductible situation,” Pappalardo said.

If someone has damage that’s unlikely to hit the deductible, it’s unclear whether that person needs to file a claim to have an insurance adjuster deem that the level of damage is below the deductible in order to document the amount of damage in case of another storm. It is recommended that homeowners document their damage by taking pictures, writing a description of it and saving receipts, and then call their insurance agent or insurer to find out what they should do.

Another question is what homeowners with significant wind damage should do if they don’t have the savings to cover a hurricane deductible.

Donelon said that he has a meeting with the Federal Emergency Management Agency today and plans to ask whether FEMA will make any grant money available to help cover them, or whether policyholders will be able to apply for a low-interest individual disaster assistance loan from the U.S. Small Business Administration to borrow money to cover the deductible and access their insurance coverage.

When Hurricane Gustav hit Baton Rouge in 2008, triggering storm deductibles, Donelon said that many people clearly had trouble paying them. “A lot of blue tarps stayed on roofs for year or more,” he said.

Even as hurricane deductibles on homeowners policies are likely to be a problem for people, the bigger source of damage to homes is likely to come from flooding, insurance professionals, computer modeling experts and public officials said.

FEMA, which runs the National Flood Insurance Program, says it has no estimates of flood damage. And catastrophe modeling companies typically don’t pay much attention to it because the private insurers which are their clients don’t pay for it.

But for anyone who looks at the amount of water covering parishes in southeast Louisiana, it’s clear that rising water will account for the lion’s share of damage.

“The drivers of loss are definitely going to be on the flood side,” said Michael Kistler, director of model solutions at the New Jersey catastrophe modeling company RMS.

For customers of State Farm, the largest insurer of homes in the state, with about 308,000 policies, any flood claims from Isaac will unfold differently than any flood claims they may have made in the past.

In 2010, State Farm stopped participating in the National Flood Insurance Program, meaning that State Farm will not send its own agents or those under contract with State Farm to investigate claims. Now, all flood policies sold in tandem with State Farm homeowners coverage come straight from the U.S. government, which will send its own adjusters to homes.

Gary Stephenson, a spokesman for State Farm in Louisiana, said that agents are instructing customers to call the flood program directly at 800.767.4341 to make claims. “We are directing them to the federal flood program,” he said.

Pappalardo, the independent insurance agent, said unfortunately, many Louisianians could be making flood claims at the very moment when FEMA could be poised to raise rates on high-risk properties or get rid of provisions that allow some homes to be grandfathered in at lower rates.

When Congress passed legislation in June that re-authorized the flood program for five years, it did so with a mandate for FEMA to make the program more actuarily sound. FEMA is still working on plans to translate that legislation into action, but it could result in higher rates for repetitive loss properties.

“It’s very important to watch what will happen on the flood insurance side,” Pappalardo said.

Hurricane Isaac is not expected to be a big event for business interruption claims. Unlike Katrina or Gustav, there was no mandatory evacuation order compelling people to leave town and businesses to close. And even though the mangled electrical grid forced many businesses to remain closed after Isaac’s winds stopped, insurance experts say that policies generally require some manifestation of physical damage to the premises before a business interruption claim can be filed.

Even though many of the insurance companies that moved into Louisiana after Hurricane Katrina are small and have only been in business for a few years, Donelon does not expect any companies to have solvency issues because these companies have bought insurance coverage of their own to make sure they can pay claims.

“These new smaller companies are not in danger, because they have reinsurance up to their earlobes,” Donelon said.

Meanwhile, in case a company did fail, the Louisiana Insurance Guaranty Fund, which steps in to pay claims if insurers can’t, has expanded its coverage from $150,000 per home to $500,000 per home.

Meanwhile, Donelon passed an emergency rule last week that freezes all forms of insurance coverage in place and prevents insurers from canceling customers for not paying their premiums for 30 days. The rule also requires health insurers to allow policyholders go outside of their networks, but only charge them in-network co-payments and deductibles.

The rules, which are similar to rules enacted after Katrina, are designed to protect people in case the mail is delayed in getting their premium checks to their insurers, and are designed to recognize that people might be displaced and need medical attention.

Donelon also said that under Louisiana law, companies must begin the process of adjusting a storm loss within 30 days of the policyholder notifying them of damage, and companies have 30 days to pay a claim once the adjuster as determined the amount of damage.



We’re With You Wherever You Go

We are pleased to share some exciting news about a free mobile app that makes working with Eagan Insurance Agency easier than ever.

Designed to run on iOS and Android platforms, our new Trusted Choice® Mobile App will be a valuable resource on your smartphone or tablet in those times when you need it most. Now you can:

  • Create a home inventory record that helps provide proof of ownership for your personal property when filing an insurance claim.
  • Document and report an accident right from the scene by collecting photos, contact info and other notes.
  • Track news headlines and timely tips that could affect your insurance options.
  • Contact us with questions or suggestions with the push of a button.

We take great pride in the service we provide, and this free app is a great way to take our expertise with you wherever and whenever you need it. So, why not click the link below and download it now?

Download iOS App

Download Android App

  • Select I Have an Agent: 70002
  • Choose Eagan Insurance Agency
  • Click Agent Version on the bottom right.

If you have any questions, please don’t hesitate to call Mallory Eagan at 504-836-6857.


As seen on New Orleans City Business website July 27,2012:

Hubig’s fire raises issue of business interruption insurance

by Greg LaRose, Editor
Owner Drew Ramsey quickly declared that his family will rebuild Hubig’s Pies after its Marigny bakery was destroyed in a five-alarm fire this morning. No one was injured but it likely will be months before the business is operating again.

A factor can help in a comeback from this type of disaster is business interruption insurance, which provides for items such as payroll when a company is rebuilding. Marc Eagan, president of Eagan Insurance, said the coverage allowed Rocky and Carlo’s restaurant in Chalmette to bridge the time between a devastating fire in February and reopening at the end of May after reconstruction.

“The key is getting the right amount of coverage,” Eagan said, explaining the policy value is based on how long the business owner thinks it will take to rebuild.

Business interruption insurance only applies to commercial policies, not personal coverage. A claim is triggered when a property loss creates a loss in profits or when a major supplier is affected.

“If a supplier goes down and you can’t get your product, you suffer a business interruption on a contingent basis,” Eagan said.

A lesson many business owners learned the hard way from Hurricane Katrina and the levee failures is that flooding doesn’t trigger a business interruption policy. Since the storm, there is product specific to floods, but Eagan said that and all business interruption insurance has become expensive because companies have to account for the precise cost of being temporarily out of business.

In terms of property coverage, Eagan said an important distinction is between replacement cost and actual value in a policy. The replacement cost allows a property owner to rebuild without factoring in depreciation. The actual value includes depreciation, meaning it would be more difficult, for example, the owner of an older business to restore a property to its prior state before a fire.


Eagan Insurance Agency Wins NFIP Agency of the Year Award

Metairie, Louisiana — (June 20, 2012) – Eagan Insurance Agency Inc. received the National Flood Insurance Program’s Agency of the Year Award recently recognizing strategies to promote flood risk awareness and flood insurance protection. Accepting the award, Joyce Shugg, Personal Lines Manager, described the agency’s flood awareness effort as “another example of how our service philosophy: ‘family to family, business to business’ truly works.  We reach out to each client to be sure they understand their flood risk and how flood insurance protects their lifestyle for the future.”  “Not only do we offer flood coverage to every client, but we review existing coverage each year to be sure, as Louisianans continue to build back, their flood policies will protect what they hold dear.”


Eagan’s 74 member staff is fully “flood aware” and works with local lenders and real estate agents to share flood expertise. Eagan Insurance Agency builds the community into their marketing efforts through sponsorship of “WVUE-TV Severe Weather Awareness Reports and Hurricane Preparedness as well as WWL-TV Eye on Hurricanes and many other radio and print ads as well as direct mail contacts to property owners.  In years after Katrina they focused not only on supplying new flood coverage after rebuilding but on helping owners modify their existing flood policies as the rebuilding progressed.  Recently Eagan Insurance Agency has been touching clients through social media marketing, and encourages you to visit them via Facebook, Twitter and LinkedIn and at


In 2012 Eagan looks forward to their cooperative efforts with the New Orleans Regional Planning Authority and the Army Corps of Engineers to demonstrate and educate insurance executives in the flood mitigation improvements built to prevent future catastrophic events to bring additional insurance opportunities to our state.   With more than eight special awards and designations in 2011 alone, we congratulate Eagan Insurance Agency as they add the 2011 NFIP Agency of the Year to their important achievements in the New Orleans area.


Eagan Insurance Agency, Inc. is a family owned full service independent insurance agency established in 1954 selling insurance coverage for residential, commercial, employee benefits and small businesses from offices in Metairie and LaPlace, Louisiana. Please visit their  Eagan offers NFIP flood insurance through Fidelity National Indemnity Insurance Company, of St. Petersburg, Florida, who nominated them for this award.  Agents can become appointed by Fidelity Flood at


The National Flood Insurance Program (NFIP), a FEMA program, offers federal flood insurance to over 21,000 participating communities across the United States. For more information about flood insurance, visit Each year the NFIP recognizes an Agency of the Year, for their efforts to achieve superior flood insurance policy growth, implement innovative marketing strategies, participate in flood awareness activities, and adherence to established underwriting guidelines.


For more information about Eagan Insurance Agency, Inc., contact:  Mallory Eagan, Public Relations at 504-836-6857 or


Generator Tips


Portable Generators

Portable generators are designed to provide power to a small number of selected appliances or lights.  These tips will help you operate a portable generator safely:

  • Purchase your portable electric generator only from a reputable dealer who can service and maintain the unit.
  • Follow the manufacturer’s instructions.
  • The easiest way to use a portable generator is to plug lights or appliances directly into the proper electrical outlet on the generator itself.  If you use extension cords, they should be run out of the way to help prevent tripping hazards.
  • Portable generators should never be connected directly to a home or building’s wiring, even through an outlet.  They may send electricity to the power lines Entergy employees are working to restore.
  • The generator should be sized for the expected load.  For example, a 3-kilowatt generator produces 3,000 watts.  This would be enough to power a 1,200-watt hair dryer and a 1,600-watt toaster, with some power left over for a few lights.  You should plan for additional needs when sizing the generator.
  • You should consider noise pollution as part of your decision.  Your generator noise may be obtrusive to your neighbors who are without power.


Standby Built-in Generators

You may choose to install a standby built-in generator that could provide more electricity than a portable unit. Here are several tips to make them safer:

  • A qualified, licensed electrician should install a standby built-in generator.
  • The installation should include a switch to transfer the power source between Entergy and the standby built-in generator.  When in use, the generator must be isolated from Entergy’s electrical system.  The switch shall be on the customer side of the meter socket.  Entergy will not allow a switch or other device between the Entergy meter and the meter socket.
  • Commercial customers would consult with an independent engineer or electrician to size the generator, modify wiring and provide and automatic method to transfer power during an outage.
  • You should consult with local authorities about required permits before starting any work in a home or business.
  • Portable generators are very useful following a disaster but they also can be hazardous.  The primary hazards to avoid when using a generator are carbon monoxide (CO) poisoning from the toxic engine exhaust, electric shock or electrocution and fire.

Carbon Monoxide Hazards

  • Never use a generator in enclosed or partially-enclosed spaces.  Generators can produce high levels of CO very quickly.  When you use a portable generator, remember that you cannot smell or see CO.  Even if you can’t smell exhaust fumes, you may still be exposed to CO.
  • If you start to feel sick, dizzy, or weak while using a generator, get to fresh air RIGHT AWAY.  DO NOT DELAY.  The CO from generators can rapidly lead to full incapacitation and death.
  • If you experience serious symptoms, get medical attention immediately. Inform medical staff that CO poisoning is suspected. If you experienced symptoms while indoors have someone call the fire department to determine when it is safe to re-enter the building.

Follow these safety tips to protect against CO poisoning:

  • NEVER use a generator indoors, including in homes, garages, basements, crawl spaces, and other enclosed or partially-enclosed areas, even with ventilation.  Opening doors and windows or using fans will not prevent CO build-up in the home.
  • Follow the instructions that come with your generator.  Locate the unit outdoors and away from doors, windows, and vents that could allow CO to come indoors.
  • Install battery-operated CO alarms or plug-in CO alarms with battery back-up in your home, according to the manufacturer’s installation instructions.  The CO alarms should be certified to the requirements of the latest safety standards for CO alarms (UL 2034, IAS 6-96, or CSA 6.19.01).
  • Test your CO alarms frequently and replace dead batteries.

Follow these tips to protect against shock and electrocution:

  • Keep the generator dry and do not use in rain or wet conditions.  To protect from moisture, operate it on a dry surface under an open, canopy-like structure.  Dry your hands if wet before touching the generator.
  • Plug appliances directly into the generator.  Or, use a heavy duty, outdoor-rated extension cord that is rated (in watts or amps) at least equal to the sum of the connected appliance loads.  Check that the entire cord is free of cuts or tears and that the plug has all three prongs, especially a grounding pin.
  • NEVER try to power the house wiring by plugging the generator into a wall outlet, a practice known as “back-feeding.”  This is an extremely dangerous practice that presents an electrocution risk to utility workers and neighbors served by the same utility transformer.  It also bypasses some of the built-in household circuit protection devices.
  • If you must connect the generator to the house wiring to power appliances, have a qualified electrician install the appropriate equipment in accordance with local electrical codes.
  • For power outages, permanently installed stationary generators are better suited for providing backup power to the home.  Even a properly connected portable generator can become overloaded.  This may result in overheating or stressing the generator components, possibly leading to a generator failure.

Follow these tips to prevent fires:

  • Never store fuel for your generator in the home.  Gasoline, propane, kerosene, and other flammable liquids should be stored outside of living areas in properly-labeled, non-glass safety containers.  Do not store them near a fuel-burning appliance, such as a natural gas water heater in a garage.  If the fuel is spilled or the container is not sealed properly, invisible vapors from the fuel can travel along the ground and can be ignited by the appliance’s pilot light or by arcs from electric switches in the appliance.
  • Before refueling the generator, turn it off and let it cool down.  Gasoline spilled on hot engine parts could ignite.

Connecting a Generator to the Electric Grid

To maintain the safety and quality of electric service, Entergy requires generators connected to the grid to be registered and meet the same safety and reliability standards as Entergy’s generators.

For more information: 1-800-368-3749 (1-800-ENTERGY)


Flood Preparation Tips

  • Your Eagan Insurance representative can help you assess the flood risk to your home or business.  Flood rates are determined by the Flood Zone for your location as outlined in the 2013 Flood Zone maps published by the National Flood Association and FEMA, and by the elevation of your home in relation to the street, which is calculated in a flood elevation survey.
  • If you do not already have Flood insurance in effect covering your property and possessions, take this important step right away.  There is a 30-day waiting period before a request for Flood coverage or changes to existing Flood policies become effective.
  • Based on the value of your building and contents or business property, determine the amount of coverage you should carry.  Remember, if you upgrade your property, you should increase the amount of insurance you will need to repair or replace damaged structures or possessions.  Your Eagan insurance professional can discuss coverages and limits with you.
  • Put together a supply kit including battery-powered flashlights and radio, first aid and medications, rain gear and warm clothing, and other personal items you must have for health and safety, including those items to care for your pets, especially their ID tag and current immunization records.
  • Form a family emergency/evacuation plan.  Make sure everyone knows where to go in the event of a flood warning.  Make a written list of safe locations of family or friends, shelters or other places to take refuge, including directions and phone numbers. Be sure these places are pet-friendly, and take your pets with you.
  • Before a watch or warning occurs, elevate your water heater, furnace and electrical panel to minimize damage if your home or business is in a flood-prone area.  Build a platform to raise your air-conditioning equipment to a higher elevation in your yard.
  • Fill your car’s gas tank as soon as a flood watch is issued.
  • If you believe flooding is probable, move furniture and valuables to the highest floor of the house or raise them off of the ground as much as possible.
  • Stay tuned to local media for updates on the weather forecast, flood watches and warnings.
  • Evacuate to higher ground as soon as a flood warning is issued.  Avoid waterways at all costs.  Do not drive into standing water and leave your car if it stalls in water.  Find high, dry ground as quickly as possible.
  • When returning to your property after a flood occurs, have a professional check gas, water, electrical systems and appliances for damage.  Discard cooking utensils and cookware that has come in contact with flood water.
  • Refer to the Eagan website,, for comprehensive assistance, including a list of items you will need if you are forced to leave your home and valuable tips to prepare for and minimize damage from floods, hurricanes, storms and other threatening events.  This can be found under the News tab in the Announcements & Notifications section.


It is vital that your personal insurance is consistent with your changing lifestyle.  Review your policies covering homeowner, flood, auto, umbrella, watercraft and other recreational vehicles to be sure your limits are sufficient to repair or rebuild what you have worked so hard to achieve.  Be sure the companies who provide these coverages are financially strong and have excellent claims-handling ability.  Many companies offer premium discounts for placement of multiple lines of coverage.

Do not wait until you have a loss to question your policy!  Let us review your insurance. We can offer professional advice to possibly improve your coverages and lower your premium.  Call us today at 504-836-9600.

What is Cyber Liability Insurance?

Cyber Liability addresses the first – and third – party risks associated with e-business, the Internet, networks and informational assets.  However, the most common mistake regarding this exposure is the perception that this coverage is for IT or Tech firms.  We need to inform you that the non-tech firms have the greatest exposure for Cyber Liability.  If your business has a website – they need Cyber Liability coverage.

Cyber Liability Insurance coverage offers cutting edge protection for exposures arising out of Internet communications.  Traditionally, Professional Liability products do not address Internet exposures.  Risks have blossomed with increased Internet commerce and reliance on electronically stored data.  The risk category includes privacy issues, the infringement of intellectual property, virus transmission, or any other serious trouble that may be passed from first to third parties via the Web.  Business Interruption can be added to protect income dependent upon fully functioning sites.

“Anyone with a website now has the legal liabilities of a publisher.”

Websites require risk management controls to avoid Media Liability exposures.

Cyber Liability insurance coverage offers the protection needed in this e-commerce era:

  • Privacy statements and disclaimers should be prominently displayed on the home page.
  • Protect your visitors by encrypting their personal information.
  • COPPA (Children’s Online Privacy Protection Act) requires the site to obtain a guardian’s valid consent before collecting information from children under 13 years of age
  • Any third party material should be used only with consent of the originating party.  This holds for music, published material, graphics, and photos.  Licenses should be applied for and purchased before using any of this material.  Licenses must be specific to the website.
  • Should any infringement or defamation be alleged, information should be immediately removed or retracted.
  • Beware of linking to another site without permission.
  • Trademark infringement can occur from “framing” or taking contents of another’s site and making it look as though the content belongs to your site.
  • When using search engines, do not use trademarks belonging to other companies to capture traffic.

Beware of assuming that your current insurance policies protect you for information disseminated on or through your website.



Disaster Supplies Checklist

Be sure your Disaster Supply Kit is portable, updated yearly and easy to grab.  Everyone in your family should know where to find it.  Your disaster supply kit should contain the following supplies:

Water – one gallon per person per day for at least 3 days
Food – non-perishable, easy to open and prepare; snacks; non-electric can opener; canned juices; energy foods
Flashlights with fresh batteries and extra batteries
First Aid Kit – one for each car
Medications and vitamins – at least one week’s supply (including hearing aids, glasses, contact lenses, syringes, cane, extra batteries)
Sanitation and personal hygiene items
Personal documents — medication list, medical information, driver’s licenses or proof of address, Social Security Cards, deed to home, passports, birth certificates, wills, insurance policies, stocks, bonds, company papers, bank account numbers
Family photos and heirlooms.  Keep jewelry in a locked safe.
Cell phones with chargers
Family and emergency contact information
Cash and credit cards
Blankets, pillows, sleeping bags, towels
Baby supplies (bottles, formula, baby food, diapers) and elderly supplies
Pet supplies, including immunization records, medicines, collar, leash, ID, food, carrier, bowl
Extra set of car keys and house keys
Extra clothing, hat and sturdy, comfortable shoes.  Lots of extra socks.
Rain gear
Insect repellent and sunscreen
Toys, cards, board games
Matches or butane lighter in waterproof container
Pocket knife, scissors, needle & thread
Toilet paper, towelettes, paper towels
Kitty litter – can be used as a temporary toilet
Battery operated radio
Plastic storage containers
Inventory/video of household goods

Early Summer 2014 eagan envoy

Newsletter- Eagan Envoy Fall 2013

Spring Envoy

Fall Newsletter 2012

Eagan Envoy Spring 2012

Envoy Spring 2011

Eagan Envoy Fall 2010

Eagan Envoy Spring 2010



eagan_site_03 newsletter_preview4

2013 Best Practices Agency


It is my distinct pleasure to report that Eagan Insurance Agency has been named one of the nation’s 2013 Best Practices Agencies!  This award is given by the Independent Insurance Agents & Brokers of America and Reagan Consulting, a private, independent firm that reviews applications and makes the final decisions.

We were honored in 2010 and have been enjoying this status for the past three years.

It is because of our employees, our management and our leadership that we are among the elite agencies allowed to display this national recognition.

Eagan Envoy Fall 2014


Click on the below link to receive the official Louisiana Hurricane Guide brought to you by the Louisiana State Police.


As always, Eagan Insurance Agency is here to help. If you have any questions please feel free to contact us.

Metairie: 504-836-9600

Northshore: 985-327-6868

River Region: 985-652-1148


2013 Agency and Individual Achievements


We hope you all are having a great start to your New Year! Eagan Insurance Agency is looking forward to this year with our new location opening in April on the Northshore. We want to thank you for your continued support of our local business!

2013 Agency and individual Achievements



Best Practices Agency – 2013-2016

Only New Orleans area agency
Continuation of honor from 2010-2013


Top 50 Personal Lines Leaders in U.S.
Insurance Journal
Only Louisiana Independent Agency


Top 100 Privately Held Independent P/C Agencies
Insurance Journal
One of two in Louisiana


Best Places To Work
New Orleans CityBusiness
6th Consecutive Year


Chris Trapani
Top 50 Money Makers of 2013
New Orleans CityBusiness


Joyce Shugg
Allstate Foundation’s “Agency Hands in the Community” grant
Work with Greyhound Pets of America

Mallory Eagan
2013 Spotlight on Success Honoree
March of Dimes

Mallory Eagan, Zack Fanberg, Jack Duvernay
“Ones to Watch” in 2013
New Orleans CityBusiness
Jack Duvernay
2013 Legislative Chairperson
Louisiana Association of Health Underwriters
Andrew Eagan
Louisiana Agency Hall of Fame
Travelers Insurance Company
Marc Eagan
Lifetime Achievement Award


2014 Ad


Beth Carter-Drury named Women of the Year Honoree
Congratulations, Beth Carter-Drury! Beth has been selected by New Orleans CityBusiness as one of their 50 “Women of the Year” honorees!

Beth’s resumé of community service and accomplishments is long and impressive. Among many involvements Beth serves on the boards of the Louisiana SPCA and the Yes Foundation, an organization dedicated to teaching handicapped children the creative art of glass casting. They currently have a patent pending on a specialized wheelchair. As co-owner of Coconut Beach, she has made significant strides bringing the new official NCAA sport of beach volleyball to the schools in Jefferson Parish, as well as offering free youth clinics and instruction. She hosts an annual fund-raiser at Coconut Beach that has raised almost $1,000,000 for Children’s Hospital since its inception.


Storm Preparation for

Your Family and Home

Prepare an Evacuation Plan

  • Learn your community’s evacuation routes.
  • Have a destination in mind.
  • Select a common meeting place or point of contact for all family members in case you are separated during the evacuation process.  Be sure all family members have contact names and numbers in writing.
  • Plan for your pets’ needs in advance.  Board pets out of harm’s way.

If you do not or cannot evacuate

  • Identify a “shelter” room in your home if you cannot evacuate.  This should be an enclosed room in the center of the house away from windows.  If your house has more than one floor, identify a shelter room or area on each floor.


Protect your personal items and important documents

  • Speak with your insurance agent to be sure your coverages and limits are adequate to repair or rebuild your home.  Remember: Homeowner’s policies usually do NOT cover loss due to flooding.  A separate Flood insurance policy must be purchased.
  • Verify that your emergency generator or sump pump is in good working order.
  • Inventory and photograph jewelry and collectibles, save to a disk to take along.  Obtain an inland bank safety deposit box for off-site storage or put in a watertight container in an interior closet.
  • Gather valuable documents and store in a watertight container.  Include:
  • Legal papers, vehicle titles, deeds, birth, naturalization, divorce and adoption records, passports, living wills, powers of attorney, child custody papers, marriage licenses, children’s immunization records, pet vaccination records, computer disks of photographs that would be impossible to replace.
  • Financial documents, stocks and bonds, contact information for brokerage and bank accounts, credit cards, backup computer disk for financial management software, and the first two pages of your latest income tax forms.
  • Insurance – copy of your policies, including vehicles, boats, health and life, agent’s contact information, appraisals, home improvement records, written description of your home’s contents and photos, disks or videos of your home and possessions.


If a Hurricane Watch Is Issued

  •  Activate your Emergency Action Plan
  • Monitor the radio, TV or Weather Channels for official bulletins
  • Move vehicles and generators to a secure location
  • Inspect storm, roof and floor drains to be sure they are clear and functional
  • Arrange to cover all windows and doors
  • Anchor or bring in all outside equipment
  • Remove awnings and lightweight outdoor coverings
  • Stock up on sandbags
  • Protect vital records against flooding and wind.  Elevate items off the floor onto furniture or shelves
  • Stock up on non-perishable food, first aid supplies, drinking water and other supplies for emergency staff

If a Hurricane Warning Is Issued

  • Monitor the radio, TV and Weather Channels closely
  • Cover windows and doors
  • Shut off pipes and electricity
  • Move to a safe area before flooding occurs.  Use sandbags if necessary.
  • If you must stay in the building:
    • Close all interior doors
    • Secure and brace external doors
    • Stay away from windows and doors
    • Take refuge in a small interior room, such as a bathroom, closet or hallway
    • In a multiple-story building, go to the second floor.  Lay on the floor under a table or sturdy object.

After a Disaster –

Tips for Returning to Normal

Immediately Following a Storm

  • Do not attempt to drive across flooded areas.  As little as six inches of water may cause you to lose control or your vehicle.  Two feet of water will carry away most cars.
  • Avoid standing water which may be electrically charged from downed power lines.
  • Inspect the building to verify stability.  Photograph and document all damage.  Notify your insurance agent.
  • Have professionals check gas, water, electrical lines and appliances.
  • Make temporary repairs to protect the building and contents.  Discard any visibly contaminated or suspicious materials.
  • Use a flashlight instead of candles or open flames for lighting.  Only use tap water for drinking and cooking after officials have reported it safe.
  • When using a generator, be sure the main circuit breaker is off and locked out prior to starting the generator.  This prevents inadvertent energizing of power lines.
  • Use masks when working around mold or toxic dust.
  • Use the telephone only for emergency calls.
  • Discard cookware and kitchen utensils that may have come in contact with flood water.
  • Investigate the heating, ventilation and air-conditioning systems before turning them back on.  Be sure all systems are professionally cleaned and tested for safety.  Replace all filters.
  • Clean and test fire, smoke and security alarm systems.
October 2018
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