Kemper Blog Kemper Blog <![CDATA[Ready to Make a Move?Consider a Career in Insurance Industry]]> align=rightAre you looking to make a career move that offers challenges, choice and opportunities? If so, Donald Southwell, Chairman, President and CEO of Kemper Corporation, suggests looking no further than the insurance industry.

In a keynote presentation during the Kemper Scholars Conference held August 6-7, 2013 in Chicago, Southwell noted that insurance is a stable industry that offers a wide variety of career tracks for professionals interested in growth and who are open to change.

“At Kemper, our culture is focused on getting the job done by applying a common sense approach to make things works,” Southwell said.  “We look for people who are thinkers and doers, who excel by performing assigned tasks and then thinking beyond them.”

The James S. Kemper Foundation sponsors the annual national conference and commits financial support and personal assistance to each Kemper Scholar.  The Foundation’s mission is to promote the philosophy that a college-level education in the liberal arts complemented by workplace experiential education represents the ideal preparation for life and work, especially for careers in administration and business.

For career-minded professionals interested in the insurance industry, Southwell offered the following advice:

Seek a good cultural fit

“Find something you like to do and make sure you align your values with those of the organization and your co-workers. Avoid chasing money at the expense of these things.”

Earn more than you make

“The best job security in the world is to earn more than you make.  Attack problems with vigor as they don’t get better with age, contribute ahead of pace and continue to learn.”

Learn from your mistakes

“You will make mistakes so learn from your mistakes but don’t beat yourself up about them.  Instead, acknowledge them and fix them.  Be open to change and believe in the mission of the organization.”

Focus on integrity, balance and accomplishments

“Gain satisfaction from your accomplishments, not your position or title.  Understand that your life is filled with conflicting goals so be prepared to balance them.”

Choose carefully

“Competition is fierce but opportunities will always exist for those who possess drive and commitment.  Choose your job carefully and make sure it’s a good fit and one where you have room to grow.”


Looking for new career challenges? Browse available Kemper career opportunities.


<![CDATA[Keep Children Safe with a Summer Driving Tip]]> As temperatures currently rise in much of the country, you’ll want to take precautions when driving with kids in the heat. Tragically, around 38 children die each year after being accidently left or trapped inside vehicles in extreme hot weather.

While a child is quietly sleeping in a car seat, it’s possible for even the most devoted parents and other caretakers to become distracted by traffic, noises or their own thoughts. A distracted driver could then forget to remove the child from the car after he or she parks.

Next time you get into a vehicle this summer with a child, we suggest placing your purse, briefcase or other item that you’ll need at your destination on the backseat next to the car seat … as an extra reminder that the most precious of cargo is there.

Do you have a helpful summer driving tip to share?

<![CDATA[Kemper Tips for What to Do After a Tornado Strikes]]> When disaster strikes, it’s important to take steps to protect your home and property and speed along your road to recovery as quickly as possible.

In the wake of the tornadoes which have impacted the Oklahoma City area, Kemper offers these reminders and tips to those affected by the storms:

Safety Tips

  • Remain in your shelter until after the storm is over or emergency personnel have arrived.
  • Check the people around you for injuries. Carefully begin first aid or seek help if necessary.
  • Be alert to downed power lines and be sure to stay away from any water with wires in or near it.
  • Avoid using matches or lighters as there may be leaking gas pipes or fuel tanks nearby.  

Preparing to File a Claim

  • Contact your insurance agent as soon as possible so you can begin the process to file a claim.  Kemper is ready to assist you on your road to recovery.  To report a claim, call  866.860.9348  or visit Kemper’s online Claims Center

  • Where possible, take reasonable steps to protect your property from further damage.

  • When it’s safe, photograph or videotape damage, debris or destroyed items before removing or discarding it.

  • Refrain from making permanent repairs until your claims adjuster has fully assessed the damage.

  • If you choose to make small emergency repairs to your home before an insurance agent sees it, be sure to retain photos and videos as documented proof of the damage. Save any relevant receipts and submit them to your Kemper adjuster for reimbursement consideration.

  • When possible, prepare for your adjuster’s visit by documenting information relating to damages including a description and date of purchase of items.  The more information you can provide, the quicker your claim can be settled.

  • Most homeowner's insurance will reimburse you for living expenses if your home is unlivable, so ask your insurance agent how to proceed with those claims.

Impacted by the Oklahoma City area tornado?  Kemper is ready to help.  Call 866.860.9348  to file a claim or visit Kemper’s online Claims Center

<![CDATA[What Will My Agent Ask Me?]]> If you are meeting with your Independent Agent to discuss purchasing a homeow ners or renters policy, your agent might ask questions to help determine both the type and amount of coverage you will need.

The Insurance Information Institute recommends being prepared to answer the following:

  • Do you rent or own your home?
  • What is the condition of your home?
  • How many members are in your household?
  • What is the estimated value of your belongings?
  • Do you have any pets?

Provide your Independent Agent with accurate answers so that he or she can recommend insurance for you.

<![CDATA[How Exactly Will Roadside Assistance Help?]]> If you are looking to purchase a new auto policy or are considering making changes to your current one, you might be considering adding roadside assistance coverage. 

With this type of coverage, you will be able to call from the road or highway for help at the scene when:

  • Your car suffers a mechanical/electrical breakdown
  • You get locked out of your vehicle
  • You need to have your car towed to a nearby, preferred repair facility
  • Your car battery dies
  • You get a flat tire
  • You run out of gas
  • You get stuck in mud or snow within 100 feet of a roadway

Talk to your Independent Agent to learn more.

<![CDATA[What Should I Do if My Car Breaks Down on the Highway?]]> If your car stalls while you are driving, you may instinctively want to get out of the car as quickly as possible. But, think about your safety first, before doing anything.

The Insurance Information Institute offers these helpful tips to follow if your car breaks down:

  • Generally, it is considered unsafe to stand outside your vehicle on a highway or busy street. So, if you can’t move your car to safety by driving it, consider staying inside your vehicle and using your cell phone to call for help.
  • If you are able to drive the car, move it to a safe location, nearby. Then, you may get out of your vehicle to check for damages or to handle repairs like changing your tire.

Remember to turn on your hazard lights to alert other drivers if you’re stopped on the road.

<![CDATA[Would You Pass a Test About Your Auto Policy?]]> In the event you are in an accident and need to file a claim, it is important to understand your auto policy. Your policy may include different types of coverage such as comprehensive, liability and collision. Make sure you know how and when each of the coverages included in your policy could protect you.

Recently 500 drivers took this test from, and they averaged answering 30 percent of the questions correctly, according to PropertyCasualty360. The breakdown of this average included the following results:

  • Drivers who say they read their entire policy scored 28 percent
  • Drivers who say they never read their policies scored 35 percent
  • Drivers age 40 and over scored 39 percent
  • Drivers ages 18-29 scored 24 percent
  • Women scored 35 percent
  • Men scored 27 percent

Talk to your Independent Agent if you have any questions about your policy.

<![CDATA[Safety Tips for Tornado Season]]> Tornadoes are most likely to occur in the United States between March and June, and around 1,000 are reported every year. Tornadoes could strike most North American locations, so preparing for tornado watches and warnings now could help you remain safe in the event one strikes your area.

If you’re at home during a tornado watch, The Insurance Information Institute offers these safety tips

  • Make sure you know where all members of your household are currently located
  • Move cars that are parked outside into garages
  • Keep your house and car keys handy
  • Watch the TV or listen to the radio for weather advisories and updates
  • Move your outdoor furniture and equipment indoors if time permits
  • Remain indoors if you hear tornado sirens

If the tornado watch escalates to a warning, head to your basement if you have one, or go to an interior part of your home with no windows, such as a closet or bathroom.

<![CDATA[What if Lightning Strikes?]]> Since you probably spend a fair amount of money on your electronics such as televisions, stereos and computers, you will want to take precautions to protect them during storms. Although your standard homeowners policy will typically cover damage to your house caused by lightning, your policy may not cover losses you incur from power or cable line surges caused by lightning.

The Insurance Information Institute offers these tips to help you keep your entertainment systems and other electronics safe during a storm:

  • plug your electronics into surge protectors rather than directly into wall outlets; also consider purchasing a cable surge protector to protect electronics that use coaxial cables
  • if you are aware of a storm coming, unplug valuable electronics and cables that you aren’t using

You might also want to consider having a licensed professional install a lightning protection system.

<![CDATA[What to Do After a Car Accident]]> Being involved in a car accident can be stressful. Knowing what to do will help you feel less anxious if it ever happens.

Some steps to take:

  • Stop your car in a safe place and make sure you and your passengers are okay. Then move your car off the road to safety, if possible.
  • Exchange information with the other driver and any witnesses including names, phone numbers, license plate numbers and insurance company names. Never disclose your insurance limits.  
  • Do not say the accident was your fault or accuse the other driver of fault at the scene.
  • Call the police to let them know about the accident, in case they want to come to the location.
  • Call your insurance company to report the accident and file your claim.

Talk to your Independent Agent if you have questions about what your policy will cover if you have an accident.