What Keeps Insurers Up at Night?

Your first answer to this question (and maybe the photo suggested it) might be dog bites. And while yes, dogs do remain at the top of the list for generating insurance claims, note that deer, birds, and cats are adding to the number of claims each year.

Allianz Global & Specialty insurance company reviewed over 470,000 claims over the past five years to find out that there’s a new growing liability: bedbugs.

Don’t worry, we said it too. EEEW!

According to their “Global Risk Dialogue”, animals caused nearly 2 percent of those 470,000 claims and $500 million in losses. But bedbugs made up 8 percent of those animal claims, with their bites and infestations generating $2.84 in losses alone.

If these bedbugs make insurers sit up and take notice, we as agents do too. And we want to help you NOT be one of those claimants.

How to Find Signs of Bedbugs:

When cleaning, changing your bedding, or staying in a hotel or a short-term rental, look for the following:

  • Reddish or rusty stains on bed sheets or mattresses. These are from bedbugs getting crushed.
  • Dark spots about the size of this bullet point (•) are bedbug excrement, and may bleed on fabric like a marker stain would
  • Eggs and eggshells, although they are hard to spot at just 1mm in size
  • Pale yellow skins of baby bedbugs (nymphs) that they shed as they grow larger
  • Live bedbugs

Where Bedbugs Hide:

Remember that bedbugs are only the size of the width of a credit card, so if you can fit the edge of a credit card in it, it can hold bedbugs.

  • Around the bed, in the piping, seams, and tags of the mattress and box spring, and even in cracks in the bed frame and headboard
  • In the seams of chairs and couches, between cushions, and in the folds of curtains
  • In drawer joints
  • In electrical appliances
  • Where the wall and ceiling meet
  • In the heads of screws

Before you book a hotel room, read independent reviews on websites like TripAdvisor to see if there have been any bedbug reports. If you rent an AirBNB or other such housing rental, check for them before you go to bed.

BMR Insurance Agency cares about its community and its customers. Don’t forget we’re here for you if you have questions about your policy or coverage: Call us at 714-838-1911 or send us an email: info@bmrins.com. Don’t forget to follow us on LinkedIn for all the latest and best information and advice on all insurance matters.

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