Declare your Independence!

Declare Your Independence

As your independent insurance agent, I’ll help you evaluate and compare the products of several insurance companies to help you find the insurance solution that best meets your needs. I’ll work hard to warn you of potential risks, and strive to get you the most value out of your insurance. I’ll work to explain all of your options in plain English. And can help you make the choices that are right for you.

Plus, if you ever need to file a claim, I will be right there with you to guide you through the process. And as life changes, you can count on me to help you update those choices. If you have any questions or would like to connect today, please don’t hesitate to contact me through my personal information below.  We have independent insurance agent offices located in Carmel, Indiana and Cicero, Indiana.

Penwell Insurance
Carmel and Cicero(317) 984-3300

© 2019 PENWELL INSURANCE Carmel and Cicero

This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverages, terms and conditions, refer to the insurance policy. Coverages and discounts are subject to individual insureds meeting our underwriting qualifications and to state availability. Individual Savings may vary and are not guaranteed.

Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT 06183. Auto policies in TX are offered through Travelers MGA and underwritten by Consumer County Mutual (CCM). CCM is not a Travelers company. In CA: Travelers Property Casualty Insurance Company, One Tower Square. Hartford, CT 06133. Certificate of Authority # 6521; State of Domicile: Connecticut. In CA: Travelers Commercial Insurance Company, One Tower Square, Hartford, CT 06183. Certificate of Authority # 6519; State of Domicile: Connecticut. Visit for Travelers Privacy StatementQuoting Disclosures and Legal Notices

When do I have to report an injury at work?

Workers’ Compensation Board to Impose Fines for Late Reporting

The Indiana Workers’ Compensation Board has announced that it will begin imposing fines for late reporting of workers’ compensation claims for injuries filed on or after October 1, 2017.

Section I.C.22-3-4-13, requires the First Report of Injury to be filed with the Workers’ Compensation Board within 14 days of the date the Employer has knowledge of the injury.

If the First Report of Injury is not filed timely, the Board my impose a $50.00 fine for the first offense, a second offense $150.00, and for the third offense up to $300.00 -I.C.22-3-4-15.

The report of injury shall contain the name, nature, and location of the business of the employer, the name, age, sex, wages and occupation of the injured employee, the date and hour of the accident causing the alleged injury, the nature and cause of the injury, and such other information as required by the board.


Penwell Pig

With Pork Festival around the corner, we thought we’d play a game!


We are hiding 10 (adorable) blue Penwell Pigs around Tipton. Be sure to be on the look out for them!

If you find one:

  • Take a picture with it (or of it)
  • Post it to our Facebook page with #Penwellpig
  • relocate the pig to a new hiding spot so the fun can continue!

Every picture posted to the page is one entry into the drawing for a $20 gift card to Subway! Let’s see how long it can continue!

To be entered into the drawing you must post your pig picture by Tuesday, September 12th.

We hope you all have a wonderful long weekend and a great pork festival!


Until next time – may every sunrise bring renewed purpose and ever increasing joy.

(Wo)man vs Wild: Surviving the elements this outdoors season.

Finally! The warmer weather has arrived (in theory)! Now that spring and, soon enough, summer are upon us, let’s take a moment to talk about outdoor safety. Along with the family fun and memory making moments of hiking, biking, gardening, and the like comes the ticks, mosquitoes, poison ivy, sunburn, heat advisories, and more. While the warmth of the sun and the call of the wild may appeal to everyone (at least on some small level) the itch of nettles, the sickness of Lyme disease, and the danger of heat stroke surely do not.

In an attempt to protect our health, and that of those we love, from the natural dangers of our favorite seasons, I’ve included some useful links to information on how to identify some of the signs and symptoms of the summer illnesses, as well as how to identify and treat for poisonous plants, and also some wilderness survival tips and tricks for the family. These are particularly useful if you plan on doing any hiking or camping this season. Especially useful is the link on outdoor survival for kids. I hope that you’ll take a moment to review the links and learn some great info. If you know of any additional tips or tricks for outdoor/wilderness survival, please feel free to comment on the blog and share your ideas! We always enjoy reader feedback!

May this sunny season be filled with love, laughter, and the creation of new memories to cherish for a lifetime! Speaking of lifetimes, be sure to contact your local agent for information on a quote for life insurance – a healthy lifestyle is a great, you know; but a backup plan is the way to go!


Until next time –  may every sunrise bring you renewed purpose and ever increasing joy.


Links, as promised:

Poisonous Plants

AARP’s Guide to Summer Survival

Sun exposure and kids

Poisonous Snakes in Indiana

Wilderness Survival Tips

Summer Safety

Lyme: symptoms & treatment


Child Safety: lost in the woods

The dangers of too much sun exposure – what to look for and how to treat it.


Time to air out the home and put the Spring back into your step!

It’s officially that time of year! Time to open up the windows, bust out your favorite cleaning products, dust off the clothes line, and shake the dust out of the house! That’s right, it’s Spring Cleaning time.

While it can be time consuming and, in some cases, back breaking work, it is definitely worth the effort. From better health to a more productive day, there are lots of reasons to dig out the duster and get your clean on!

Attached below are some great links with checklists, tips and tricks, and even reminders as to why the event is necessary. There’s no time like the present to usher in the Spring season with a fresh, germ (and flu) free home.

So scoop up your sweeper and go tackle that mountain (of dirt)!

Until next time – may every sunrise bring you renewed purpose and ever increasing joy.


Links, as promised:

Why spring clean?


Martha’s take

Good Housekeeping’s 30 day guide

Tips and Tricks

Quick and Easy Tips

55 tricks

Airing out the house: how and why



Celebrating Women’s History Month!

Wife, mother, sister, friend, employee, employer, artist, activist, confidant, politician, scientist, author, mathematician, and so much more.

Women hold many titles and fulfill many roles in society, and have across the wide span of history. Many of these are expected, still more are surprising at times. For all that they do, for all that they are, we set aside the month of March to celebrate, recognize, and thank women throughout history and societies in the form of Women’s History Month.

“In the United States, Women‘s History Month traces its beginnings back to the first International Women‘s Day in 1911. In 1978, the school district of Sonoma, California participated in Women‘s History Week, an event designed around the week of March 8 (International Women‘s Day).”

So in honor of women in all roles, in all places, and across time; we devote this week’s blog to some of those amazing, trail blazing women who’ve worked to make society, and the world, a better place for all human kind.

Be sure to check out the links below to learn more about some truly inspirational ladies! There are also some links on how to empower our daughters of today, to encourage more generations of strong, trail blazing women to work toward a better world for everyone.

While you’re at it, be sure to thank the women in your life that have helped to make you the person you are today!

Until next time –  may every sunrise bring you renewed purpose and ever increasing joy.


Historical links on awesome women:

Women in Science

Women in History

Women in Mathematics

Women in Aviation

Women in Politics

Women’s History Month Info


Empower our daughters!


STEAM program


Books for smart, confident, and courageous girls

Empowering books for girls





Happy St. Patrick’s Day!!!


From us, to you – a wish for lots of green and a good day, too! Check out our jib jab fun and awesome dance moves by clicking the links below!

Until next time –  may every sunrise bring you renewed purpose and ever increasing joy.




Showers to bring the flowers

Spring showers may be necessary to bring the flowers, but they certainly can create havoc on the roads in the process. Flash floods, muddy terrain, and hydroplaning (just to name a few) are part and parcel of this ebb and flow of seasonal change.

A few important tips to keep you safe on the road- Make sure your tires have plenty of tread and are good to go (all weather tires are always a plus!). Remember to never use cruise control when it’s raining, snowing, or icing. Always allow for extra travel time to avoid the risk of rushing and account for additional space between yourself and the vehicles around you. Finally, be sure to read the article below on rainy weather driving safety and how to handle the hydro (hydroplaning, that is…).

Until next time –  may every sunrise bring you renewed purpose and ever increasing joy.

Be sure to check out the link!

Hydroplaning how to!


Spring break is just around the corner… are you prepared for your trip?

Spring is almost here- believe it or not! Technically speaking, March 21st is the first official day of Spring and it’s just a few weeks away! With the arrival of spring comes an increase in outdoor adventures, festivals, and spring break trips. For those who happen to be driving, rather than flying, on their spring break excursion there are a couple of items that should be added to your packing checklist. Specifically, if you will be driving your car, in addition to checking the oil and tires, you’ll want to double check your auto insurance policy to ensure you have roadside assistance on your policy. Roadside assistance is a coverage that, if in place, can save your trip and really help your wallet as well. Roadside assistance, sometimes called towing and labor, does exactly what it sounds like- provides assistance in the event that you end up stuck or broken down along the road. This coverage will cover a tow to a shop or location to repair damage- whether it is a blown tire, engine trouble, or more. Depending upon the carrier and the level of roadside assistance opted for on the policy, you may even have coverage for lock outs and trip interruption- which can cover items such as hotel and food while the vehicle is being repaired. All of these perks can really be a trip saver, as well as a wallet saver.

If you happen to be renting a vehicle for your spring break adventures, here is some knowledge to consider. I am often asked the question, “should I buy the rental car company’s insurance, or does my policy cover the rented vehicle?”. The answers, simply put, are yes and yes. More specifically, yes, your auto policy will cover the rented car (within the continental United States – always check with your carrier on details regarding Mexico and Canada) within your policy limits. This means that if you have liability on your auto, you will have liability extended to the rental car. If you have liability and property damage coverage on your auto, you will have both liability and property damage coverage (subject to your deductible) extended to the rented vehicle. There are, however, gaps in coverage that exist in this situation. Specifically, there are two gaps- lost wages/income and pre-negotiated sale price gaps.

At this point, you may be saying, “huh?”, so let me explain.

Lost wage/income gap refers to the possible situation where, if you have rented a vehicle and you have an accident, while the vehicle is being repaired it cannot be rented out. Let’s say that during this same time the rental agency has no other cars to rent out and therefore loses money due to not having this vehicle available. Your insurance would not cover this gap and you would be responsible for it. In terms of a sale price gap- let’s say that the rental agency has a contract with an auto dealership, which states that they will buy the rental car from the agency on a set date at a set price (say $10,000). Now let’s say that the accident you have in the car totals it, and at the time it is totaled, the blue book value (or the payout value) is less than that pre-negotiated sale price, you would be responsible for that difference. So, to put numbers to it- if the dealership contract was for an agreed $10,000 but the payout after the accident was $8,000, you would be responsible for the other $2,000. While there are some carriers- such as MetLife, for example- that do cover loss damage waiver and lost wages, many (perhaps even most) do not. For these reasons, although there is coverage that extends to a rented vehicle, we always advise that, yes, you should be sure to check with your agent to specify whether or not these gaps are covered on your policy and, if not, purchase the rental agency’s insurance. Ultimately,our duty is to advise our clients of their risk exposure. The decision of which risks to retain and which to pass to your insurance company lies in your own hands.

Now that you’re armed with knowledge (and we all know knowledge is power!), wrap up that packing list and get on your way!

“You’re off to Great Places!
Today is your day!
Your mountain is waiting,
So… get on your way!”
Dr. Seuss, Oh, The Places You’ll Go!



Until next time – may every sunrise bring you renewed purpose and ever increasing joy.






February is Black History Month!

America is like a nicely aged, patchwork quilt. Each part of the tapestry, valuable in its own right, not only has a story and history all its own, but also contributes to the greater work allowing for a solid, unified, greater result. Just as the patches of these warm, beautiful quilts, the diversity of our make up is what makes America strong, more beautiful, and better as a nation.

People of all walks of like, of all colors, religions, and backgrounds add to the amazing diversity that has allowed for this great nation to thrive. Some such people are honored in the month of February every year for Black History Month. This is a time to reflect upon the past, present, and even the future of African Americans and to honor their struggles and contributions to this great land.

All throughout the history of America, we can see examples of strength, courage, integrity, intellect, compassion, ingenuity, artistry, and more in our African American peers. From the works of Frederick Douglas, to Harriet Tubman, Martin Luther King, Jr. and Maya Angelou down to the first black president, Barack Obama – we see a courage of spirit, tenacity, and integrity that has become seamlessly intertwined with our sense of what it means to be “an American”.

Below is a link to an informational video on Black History Month and how it began. I hope that you will take a moment to watch it and to reflect upon the struggle and strength that results from the diversity of character our country has to offer.


Until next time – may every sunrise bring you renewed purpose and ever increasing joy.


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