April 14, 2021
AgencyUnderstanding Deductibles Within BOPs
Small business owners want to get business insurance that is both customized to their needs and affordable. A business owners policy, also known as a BOP, will offer you several essential components of coverage within one package. However, several components of coverage within the BOP might contain deductibles, which will influence the total settlement that […]
March 8, 2021
AgencyEasy Home Fire Prevention Tips
House fires can occur in any part of any home. Most home fires occur in the kitchen while cooking and are the leading cause of injuries from fires across most demographics. Common causes of fires (at any time of day or night) are carelessly discarded cigarettes or matches, sparks from fireplaces without spark screens or […]
February 23, 2021
AgencyWhat is the Difference Between Personal Auto Insurance and Commercial Auto Insurance?
No matter what vehicle you drive, auto insurance is required in order to operate legally on the road. But there are many different policies to choose from, and not all of them are right for you. Personal auto insurance is the most common type of auto insurance that every driver operating a personal vehicle carries. […]
June 8, 2020
AgencyNew Location
We have completed our move to 4166 Almond St Riverside CA 92501. Sorry there was a glitch with the phone service but we now have that squared away. Looking forward to greeting you here.
November 3, 2017
AgencyCoverage for Business Autos
Many businesses are exposed to the financial consequences of their ownership, use or maintenance of vehicles used in their operations. Most coverage needs can be handled by a business auto policy (BAP) or similar form which cover operations such as: · Product or food delivery · Transporting business products to wholesalers or retailers · Retail […]
October 23, 2017
AgencyUmbrella – Underlying coverage
Umbrella insurance only works properly when the primary (underlying) coverages are maintained. In fact, the obligation to make sure proper support remains in place is part of the umbrella insurance contract. It is found in the policy’s “Maintenance of Underlying Coverage” provision. The provision typically refers to the policy’s schedule or declarations where all of the […]
September 6, 2017
AgencyHomeowners Coverage – Part 2
Part one discussed how a typical homeowner policy covers buildings and structures. Now let’s look at Coverage Part D, which is also a property coverage; as well as Coverage Parts E and F. These latter parts address coverage for injuries to persons or damage to property that belongs to others. Coverage D, Loss of Use […]
September 6, 2017
AgencyHomeowners Insurance – Part 1
Generally, a homeowners insurance policy includes at least six different coverage parts. The names of the parts may vary by insurance company, but they typically are referred to as Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments coverages. They are usually presented as policy sections and are often labeled Coverages A […]
August 23, 2017
AgencyAuto Policy Exclusions – Part 2
In part 1, we began the discussion of the coverage limitations (exclusions) found in insurance policies. Here, we’ll continue. Exclusions are meant to insure that policy and pricing reflects precisely what the insurance coverage intended to cover. These limitations are fair. Their purpose is to make sure that coverage that you buy for your own […]
August 14, 2017
AgencyAuto Policy Exclusions – Part 1
Even if you have auto insurance, there are still instances, called exclusions, when your policy won’t provide coverage. Why should exclusions exist in an insurance contract? There are several different reasons. Exclusions are used to do the following: · help contain the expense of providing insurance; · prevent coverage under one type of policy that […]