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Is It Covered?

Is It Covered?

By: ROC Vox Podcast Network
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About this listen

 Welcome to Is It Covered?, the podcast that makes insurance engaging, understandable, and even fun!

Hosted by Brian and Bruce Chapman, owners of the family-run JD Chapman Insurance Agency, this show dives into the world of insurance, answering the big question everyone asks: “Is it covered?”

Each episode, we break down real-life insurance claims, explore behind-the-scenes insights into the industry, and share the values that have guided our family business for over 60 years.

From home and auto coverage to commercial insurance and everything in between, Is It Covered? takes the complexity out of insurance while keeping it interactive and relatable.

Whether you’re a first-time insurance buyer or a seasoned business owner, tune in for stories, tips, and advice that help you protect what matters most.©2024 JD Chapman, Inc. Economics
Episodes
  • Cash Vanishes From The Shop Overnight

    Cash Vanishes From The Shop Overnight
    Oct 7 2025
    You lock up the office one night, only to come back in the morning and discover the cash drawer has been emptied. The money is gone, and suddenly you’re facing tough questions: Who’s responsible? And more importantly—does insurance step in?

    In this episode of Is It Covered?, hosts Bruce and Brian Chapman dig into a real-world “missing money” scenario. From a pizzeria’s overnight cash loss to office theft cases, we explore how these situations are handled by different types of insurance—and why the answer isn’t always simple.

    ✓ Why cash losses often fall into insurance gray areas
    ✓ What coverage options might apply for employee theft or burglary
    ✓ How business policies differ from homeowners insurance when money is stolen
    ✓ Why deductibles and exclusions make all the difference

    Whether you run a business, sit on cash reserves in your office, or are just curious how insurance treats “vanishing money,” this episode sheds light on a surprisingly common claim type.

    🎧 Listen now—and find out why protecting your cash may require more than just a lock and key.

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

    #InsuranceClaim #BusinessInsurance #Theft #MissingMoney #CashClaims #JDChapman #IsItCovered
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    10 mins
  • Board Members Sued for Mismanaging Money

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

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

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

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

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

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

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

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

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

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

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

    #InsuranceClaim #MotorcycleAccident #MedicalBills #MotorcycleInsurance #LiabilityCoverage #IsItCovered
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    8 mins
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