An Auto Insurance Update
Most people have some gaps in their personal insurance coverage. We do our best to help our clients understand where these are and provide solutions so that these gaps don’t exist. Having an independent agent help, you find the right kind of personal insurance for you can go a long way in providing you with peace of mind.
Personal insurance is, and we are here to help you understand the complex, so you have made an informed and educated decision.
What are Insurance gaps?
Insurance gaps can be areas where you thought there was coverage, but in reality, there is not. It may be that the coverage is not available or is too expensive or you just did not know about it. Gaps can occur if you have more than one agent handling your personal insurance. Between your home, auto, RV or personal umbrella there might be times when one agent thought the other was taking care of the issue. Insurance gaps can include:
• Flood insurance
• Identity theft
• Sewer back-up
• Auto insurance limit issues
• Your home is undervalued
• Lack of a personal umbrella
• Limited coverage for other drivers on your auto policy.
These are just a few of the personal insurance issues that can create real problems for you. Call our office for a free review.
Do you need insurance for your boat, RV, motorcycle, or ATV?
Regardless of whether you are relaxing on your boat at the lake, traveling through the Rocky Mountains, camping with friends and family, or enjoying the open road on the bike of your dreams; you need to take the proper steps to protect what you have worked so hard to enjoy.
All these activities need personal insurance to protect you against damage and other claims. Generally, we have found that we can get better coverage and pricing when we use our specialty carriers. For example, watercraft insurance has pollution coverage for fuel spills, coverage for injured water-skiers, and on-water towing coverage that homeowner’s insurance won’t provide.
RV insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV’s, and campers, while others can offer better rates for motorcycles. To properly insure your RV, you may need liability, collision, comprehensive, uninsured motorist, medical payment, and towing coverage. Motorcycle Insurance
All motorcycles on the road are required by law to have motorcycle insurance. Motorcycle insurance protects a motorcycle and its owner in the event of a loss. You may need to consider special coverage. Custom parts and equipment (ACPE)/Accessory coverage can be purchased for motorcycles less than 25 years old. You may spend thousands of dollars customizing your bike and that is why you need custom motorcycle insurance. Boat/Watercraft Insurance
Your boat will need boat insurance for liability and damage to the hull and personal property. Boat insurance can include physical damage coverage, medical payments, liability, and trailer coverage. ATV Insurance
ATV insurance is similar to motorcycle insurance. We can combine motorcycle coverage and ATV insurance into one policy for multi-vehicle discounts. We offer additional ATV coverage for damage to custom equipment that you’ve added to your ATV.
Why Work With Our Insurance Agency?
We know and understand your risks
We are a full service independent insurance agency
Our goal is to provide the best possible combination, of coverage, price and service
The CIOVID-19 pandemic has affected the way we do business in a very significant way. Many businesses are requiring people to work remotely. Employers are finding that having employees work remotely may be the new normal.
COVID-19 has forced us to become more dependent on the internet, as desperate measures, like social distancing, disrupt economic activity and everyday life.
This new way of doing business could mean that employees are collecting client information from home or other places that may not have the same cyber security as an office network. In some instances, employees who are working remotely are forced to use their home computers because they do not have a company laptop.
Top Work-from-Home Cyber Concerns
Unsecured video conferencing
Using unsecured networks
Spam and phishing campaigns exploiting the COVID-19 pandemic
Maintaining security-critical operations, such as patch management
Supporting employees to ensure they have what they need to work from home without sacrificing security
Theft of client information from lap tops
Changes to regular security-critical processes
Using social media platforms from unsecured networks
What Can Employers Do to Reduce the Threat?
Do not open email from people you do not know.
Do not reveal personal or financial information in emails, and do not respond to email solicitations for this information.
Do not provide personal information to unknown websites or uninvestigated third-party messengers.
Do not share the virtual meeting URL’s on social media or other public channels.
Avoid clicking on links in unsolicited emails, and be wary of email attachments.
Lock your screen if you work in a shared space.
Provide corporate computers/devices to staff while teleworking, where possible.
Use secure, password-protected emails when sending documents.
Ensure that adequate information technology resources are in place to support staff.
Provide secure video conferencing for corporate clients (both audio/video capabilities).
Civil unrest can occur anywhere – from big cities to a small-town community. Looting, theft, and vandalism are possible in the midst of the mayhem. But if something happens to your home or business as a result – will your homeowners’ insurance or business insurance cover it?
Standard home insurance policies are in place to protect your property from sudden and accidental losses. Typically, this includes damage to your home from the following:
For many homeowners, riot is top of mind right now. Damage resulting from riots typically can be covered by standard homeowners' policies.
The standard ISO form of property coverage will also provide coverage. Typically, property insurance under business owners' policies written on a named peril basis includes coverage for direct physical loss caused by riot or civil commotion and looting at the time and place of the occurrence.
The “rioting” definition covers looting by participants who steal merchandise or other property from the premises, as well as fire. Vandalism is also a covered peril in the Business Owners Policy (BOP).
As for those businesses that must suspend operations or limit hours due to rioting, business income or interruption coverage is triggered “if there is physical damage to the premises of such magnitude that the business must suspend its operations.”
Physical damage to other property that prevents customers or employees from gaining access to the business is also covered, though most policies have a waiting period of several days before business interruption coverage will come into play. Even then, coverage is not retroactive to the day of the event, which means some losses may not be covered under this policy.
We receive calls almost daily from people who bought cheap online personal insurance and now have a problem, or from people who have had other problems and now need a trusted advisor to help them out. If you have homeowner’s insurance or other personal insurance, we can help guide you through any issues you may have.
How To Minimize Personal Insurance Problems
Keep your insurance policies in a safe but accessible place.
Tell your family about the details of your life insurance.
Review your insurance needs annually. Often you may make purchases that will require a change to your insurance.
Don’t rent out your primary home through online temporary rental sites; you may not have coverage.
Make a home inventory of all your personal property.
Don’t use your personal auto for a pay for hire online taxi service. Your auto coverage does not apply to taxi services.
Make sure you pay your premiums on time.
Auto ID cards serve a purpose; keep them in your vehicle.
If you have a change in marital status, make sure you update all your insurance policies.
Get your teen driver into a driver’s education course, and make sure their grades are kept up to get the good student discount.