In today's ever changing business world, every business needs quality employees to help the business meet client demand, grow revenue, and manage risk. Today's growing businesses need to understand the importance of an effective business insurance program.
As the Holiday Season is upon us, we find ourselves reflecting on the past year and on those who have helped us shape our business. We value our relationship with you and look forward to working with you in the year to come. We wish you a Happy Holiday Season and a New Year filled with Peace and Prosperity.
Open enrollment is here, and it is time to consider renewing your individual health plan, or
consider a new one. We can help you review your options and get you the best coverage
for yourself and your family.
Everyone looks forward to the first few days of school; meeting old friends, getting new clothes and finding the seat in the new classroom, all create an excitement this time of year. But as you get your kids ready for school we want to remind you of a few safety tips.
Can you believe all the new innovations that are available for your home? Many new technologies can help you in the kitchen, help keep your home cooler in summer, and some even reduce your homeowner's insurance premiums. Here is a recent quote from an insurance company, "If somebody has some sort of temperature-monitoring system in their house, we give them a discount for that."
Summer vacation is here and the kids are free for a few months. That also means pool parties, fireworks, family vacations, and accidents. Medical experts remind us that during June, July, and August, there is a dramatic increase in children's injuries. Many of these injuries may be covered by your homeowner's or renter's insurance. However, a little bit of prevention will go a long way to making sure your child has a safe and fun summer. If you are planning a vacation, be sure your child has proper ID. Many states now require every child to have some form of identification.
Most of us are hardworking honest people, who are building strong families and are productive members of our community. Unfortunately, there are a few people who try to take advantage of us and we need to be educated on what to watch for. Fraud, including insurance scams, is the second-most burdensome financial crime in the United States. Tax evasion is number one.
Summer Is Just Around The Cornee, with winter behind us, many of us are now planning a family vacation. We all want our family vacations to go perfectly, but even with the best intentions, things can happen. Ticket mishaps, delays, schedule changes, auto accidents, and more can cause your vacation to be ruined.It might be a good idea to have us complete a review of your personal insurance before you head out. If you are traveling to another country, you may need special coverage. For example, a little work in advance can help reduce the likelihood of bad things happening on your vacation. Here are some things to consider before you leave home
We live in a digital world that now allows us to share everything from our car, bike, boat, apartment and even our home with total strangers. Smart phones, and the applications that can be added, offer many useful tools, but some of these things create new and increased liability for you. Before you decide to jump into the sharing economy consider the following: Personal auto insurance issues should be considered if using your car for hire. There is a big difference in the auto insurance world between a car pool for work and being paid to deliver people.
The use of the new sharing economy will most likely continue and may be a good way to save money. However, if you have an uninsured claim, the cost may be much greater than the savings. Be aware that using these services may increase your risk of loss. To read more click here.
There is no doubt that auto technology has had a positive impact on personal insurance. Not only has technology produced advanced safety features, but it has actually helped keep personal insurance premiums lower. All the automotive manufactures are designing new ways to make the driving experience more exciting and safe.• Self parking cars - The development of GPS, backup cameras, sensors and other technologies have created cars that can park without having a nasty fender bender. This has saved policy holders millions in costs that typically would have been below most auto deductibles.
Also, there are many new technologies that can be retro fitted into your home that will help reduce homeowner's premiums and make your home safer.• Security Video - You can now use your smart phone to monitor many home functions including lights, security systems and more. Many internet companies offer home video systems that actually allow you to see what is going on inside your home through your smart phone. read more click here.
There are many factors that go into determining your homeowner's insurance premiums. We thought it might be helpful to put together a list of the top ten things every homeowner should know before purchasing insurance. Remember, as your agent we can help you identify the best possible combination of coverage, price and service.Here are a couple of those top ten.
You are a statistic. To an insurer, you are a set of risks. An insurer bases its premium (or its decision to insure you at all) on your "risk factors" including your occupation, who you are, what you own, and where you live. To us, you are a person and we value our relationship with you.
Be sure that you have the proper documentation if you have a claim. Your idea of fair compensation may not match that of your insurer. Your insurer's job is to restore you financially. Your job is to prove your losses so you get what you need. To read more click here.
These Truths Apply To Personal And Business Insurance. One of the most important things to consider when considering your personal or business insurance is, "What is the purpose, or goal, of having insurance in the first place?" If you want insurance to cover every broken window, theft of a lawn mower, or $500 medical bill, then you will pay more for the coverage. But we believe that insurance is designed to protect your business, home and family from the catastrophic events like, fire, serious injury or loss of a vehicle. In other words, losses that will affect your long term--not ruin your day.
Your personal and business insurance needs change over time. For example, you may have purchased your wife an expensive diamond ring, or your child headed off to college. Your business may have added new equipment or an additional location. All these actions can increase your risk and liability. That is why it is important to have a regular insurance review. Your insurance should change with your needs. To read more click here.
We are getting closer to the peak holiday shopping season. We would like to provide all our clients with a few reminders about how to be safe and to prevent your gifts and other purchases from being stolen. Shopping during the holiday season can present unique dangers, but following a few prevention measures can help keep your holiday season joyous.
Please keep these safety tips in mind, so that you can enjoy the season without incident: Shopping Safety Tips, for example: Don't leave purchased merchandise in your parked car where it can be seen. If you take purchases to your car and then continue shopping, always put your purchases in the trunk. Or If you make expensive purchases like jewelry or guns, call our office as we may need to add these to your policy. To read more click here.
Automobile accidents happen every day. Although no one wants to experience an auto accident, knowing what to do in case one happens to you could soften the impact on your life in the days and weeks to follow. You purchase auto insurance to help you through accidents when, or if, they happen. If you have an auto accident,we are here to help you. You may always call us to help you through the process.
Did you also know that children are more likely to be hit by a car and killed on Halloween than on any other day of the year? Kids love to dress up, get together with friends, and go door-to-door hoping to find the full size candy bar, so keep them safe by doing a little pre-planning. Here are some pointers for ensuring your house is a safe place for trick-or-treaters on October 31. To read more click here.
Everyone here at SourceOne Insurance endeavors to find ways to keep our clients personal lines insurance as low as possible. We understand how important having the right kind of homeowner's insurance is. We also understand that you want your claims covered and you want outstanding customer service. Unlike some faceless internet company, we will always work more than "7 minutes" to find you the best possible combination of price, coverage and service for your insurance needs. Here are a few things you can do right now to lower your homeowner's premiums.
A couple tips to lower home insurance premiums would be, assess the value of the possessions in your home. Do you have too much coverage? Pay your premiums in full. Some carriers offer a discount for this. Are you over the age of 65? There are senior discounts available.Most insurers offer discounts for alarms, sprinklers and deadbolt locks. To read more click here
Homeowners insurance plays an important role in society. It protects your most important financial asset, your home. When most people think of damage to their home, they tend to think of fire or theft. Well, there are many other kinds of accidents that can cause damage to your home that are covered under most homeowner's insurance policies. Remember each homeowner's insurance policy is different, and if you bought your homeowners insurance on line you may not have proper coverage. Claims will be paid based on your individual homeowner's policy terms and conditions.
Many homeowners don't fully understand what their home insurance policy covers and excludes. For example, more than 37 percent of people who have homeowners insurance mistakenly believe flood damage is covered by a standard homeowner's policy, according to a 2011 survey from the National Association of Insurance Commissioners. To read more click here