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Riverside Insurance Agency, Inc. Blog Page 22

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Risk managers and business owners face increasingly serious information technology challenges. Regardless of business size, most companies report that they suffer at least one significant data breach yearly. They also share that they have been victimized by computer related vandalism (including denial of service attacks where operations are jammed). READ MORE >>

In part 2, we continue our discussion of how umbrella policies work. Umbrella vs. Excess Coverage A traditional umbrella offers broader protection, supplementing primary policies and handling a variety of other, less common losses. For instance, you may have to go to court after being accused of slandering another person. READ MORE >>

Let’s say you have a policy for your home and your family’s cars. You have just the right policy for the apartment you rent out to others as well as coverage for your boating excursions. Your homeowner's policy even has a special, added protection for the business that your spouse runs out of your home. READ MORE >>

This is the second part of our discussion of typical auto insurance coverages. Please be sure to see part 1 of this article Cars are expensive to buy and repair, providing great reasons for protecting them. If you borrowed money to buy your car, or if you leased the vehicle, the lender or leasin... READ MORE >>

Most state financial responsibility laws require proof that you are able to pay for any damage or injury you may cause while driving. Auto insurance is the way that most people comply with these laws. Typically compliance only takes liability insurance at some minimal limit that varies by state. READ MORE >>

Vacancy Provision Under a commercial property policy, coverage is significantly different for buildings that are vacant for extended periods. Usually, certain types of coverage are completely eliminated during the vacancy. Insurance companies are interested in protecting ongoing businesses and premiums are based upon active occupancy. READ MORE >>

My Driver Safety Agreement Driving is a privilege that I may lose by violating this agreement. This privilege may be suspended for other reasons such as (but not limited to) unsatisfactory school grades and violations of family trust. I will obey any curfews or restrictions imposed by my driver's license. READ MORE >>

Currently, car loans may last as long as four to six years and leases are becoming more expensive. Whether your vehicle is a coupe, sedan, van, sports utility vehicle, hybrid, or truck, your vehicle’s value will depreciate very quickly. A rapid loss of actual value accompanied by a longer loan obligation spells trouble. READ MORE >>

You may be frustrated with car insurance premiums and factors that cause increases, such as: Your insurance company's overall loss experience (due to more claims) The increased value of newer model cars, particularly SUVs and models with smart car features Increases in judgment amounts awarded in auto lawsuits READ MORE >>

The workplace is an extremely common setting for a person to be injured. The Workers Compensation and Employers Liability Insurance Policy are used to provide insurance coverage for a company's statutory liability (coverage responsibility) under a Workers Compensation Act. READ MORE >>

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125 W La Cadena Dr. Suite B | Riverside, CA 92501 | Phone: 951-684-3500 | Fax: 951-684-3578 | tim@ria-cb.com

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