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Home » Blog

Blog

June 8, 2017
Agency

Types of Insurance a Small Business Owner Should Have

1. General Liability Insurance: Every business, even if home-based, needs to have liability insurance.  The policy provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party. 2. Property Insurance:  If you own your building or […]
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May 31, 2017
Agency

Auto Insurance – Washington State’s New Distracted Driving Law

What drivers can and cannot do under Washington state’s new distracted-driving law In 2 months Washington drivers will need to adapt to the new distracted-driving law.  This new law will go into effect in late July and for those unfamiliar here are some FAQ’s in regards to the changes. Q. When does the law take […]
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May 23, 2017
Agency

Insurance Claims – The Loss is Only the Beginning

After an accident, a policyholder has to meet obligations that may affect whether an insurer pays the claim. The duties help an insurer to determine whether payment is due or how much it has to pay. Notification–You must contact the insurance company with accident details. Notification may be through an agent and it should include […]
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May 17, 2017
Agency

Commercial Auto Insurance – Ride Sharing

Most cars are, well, under-used. Consider cars used for commuting to work. During the work week, the majority of vehicles are driven to work (or to a mass-transit site), sit there during the entire work day, then are driven back home….where often they sit until the next work day. Those that are used during the […]
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May 11, 2017
Agency

Home Insurance – Are You Liable For Summer Fun?

Ready, Set, Summer! Summer generally arrives with a huge surge in recreational activity. School ends and parents start searching for leisure and recreational activities for themselves and  their children. The activities range from elaborate vacations or summer-long camps to simply buying play and sports equipment (or getting it out of storage) and  renewing park and […]
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May 8, 2017
Agency

Insurance Companies Start Noticing The Legal Cannabis Industry

The marijuana industry’s shady past and current illegal status at the federal level have kept most insurance companies from offering policies to the new industry. “Few and far between,” is the way Paul Warshaw CEO of GreenRush in California describes the options. His technology company works with more than fifty medical marijuana dispensaries and he […]
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May 5, 2017
Agency

Insurance Deductibles

Insurance policy deductibles serve a couple of very important objectives. First, deductibles allow insurance companies to save money by not having to respond to frequently occurring, minor losses. In other words, a million one-dollar losses still add up to a million dollars. Second, deductibles create an incentive for insurance consumers to make the effort to […]
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April 28, 2017
Agency

Business Insurance – Office Functions and Alcohol

The office picnic, office-sponsored sports activities, holiday party, and client party may involve serving and consuming alcoholic beverages. Can a business be held responsible for injuries or damage that result from serving alcohol? Is the current insurance program sufficient to address this concern? Is it necessary to purchase special insurance? State alcohol laws (called Dram […]
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April 18, 2017
Agency

Auto Insurance – Sometimes Less is Less

Car ownership is a large part of the family budget for most households and a major expense is insurance. Therefore, many insurance company ads focus on price and new customers are acquired by companies who offer protection at a lower price. In order to save money, some car owners have been attracted to purchasing minimum […]
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April 13, 2017
Agency

Home Insurance – How Much are Your Possessions Worth?

In order to properly value your personal possessions, you have to go through the tedious, difficult process of documenting what you own. The following list could be very helpful in identifying what you own and, more importantly, be used as proof of loss in case disaster strikes such as a serious storm, theft, or fire. […]
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