30 May 2014 Category: Article Archives

New Auto Technologies That Help Reduce Your Insurance Rates

More and more vehicles are coming out with new technologies that could help prevent accidents and save lives.  Due to the effectiveness of these technologies, fewer accidents are being reported and are therefore resulting in lower insurance rates. What is a crash avoidance technology?                                                     Crash avoidance features are designed to assist the driver in operating a vehicle safely using warnings and automatic braking when they sense the potential for a collision. Crash avoidance technologies currently available. Front crash prevention system – uses sensors, cameras, radar or light detection systems to […]

26 May 2014 Category: Article Archives

Even New Business Owners Need To Have Insurance Coverage

As a new business owner, you’ve put everything in place to open your business and to offer exceptional service to your customers. And while it’s thrilling to look forward to each new day in anticipation of living out your dream, you also realize it’s wise to remain hopeful for the best, but to prepare for the unexpected. Unfortunate incidents can happen quickly, and they can catch you totally off-guard. For instance, an employee can become injured on the job or one of your company vehicles can suddenly be involved in […]

21 May 2014 Category: Article Archives

Purchase Only the Insurance You Need While Traveling

With the vacation season quickly approaching, you want everything to go as planned when you travel. Missing luggage, property theft and accidents can negatively impact all of your plans and ruin memories. To avoid these problems, many people purchase insurance to give them peace of mind, but did you know that you may be purchasing duplicate insurance? Having homeowner’s insurance and medical insurance will cover many scenarios, including some claims made while traveling. For instance, if someone steals personal property from your car while you are traveling, you can make […]

16 May 2014 Category: Article Archives

How Traffic Violations Affect Your Coverage

 Insurance rates are not set in stone by a specific company.  Your driving history has a lot to do with how much you pay for auto insurance.  What kinds of violations affect my rates? Not all providers handle violations the same way, but most usually look at moving violations when raising rates. Less risky violations like parking tickets are less likely to warrant an increase.  Why do moving violations affect my rates?  The better your history, the less of a risk you are. Those with riskier histories will end up […]

12 May 2014 Category: Article Archives

Eight BBQ Grilling Safety Tips For Homeowners

Summer is upon us and most homeowners are excited about the chance to use their bbq grills again for another season.  However, before you fire up that  grill, you should review a few bbq grilling safety tips. Here are a few bbq grilling safety tips that will help keep you and your family safe throughout the grilling season. Keep your grill on a flat surface to help prevent it from tipping over. Make sure your grill is at least 10 feet away from your home or any other structure. Place […]

7 May 2014 Category: Article Archives

Bring The Entire Family for the 25th Annual MOTA Day!

It’s that time again! The 25th Annual Museums of the Arroyo (MOTA) Day happens again on Sunday, May 18, 2014. For one day only, six museums located across Pasadena and Los Angeles, California open their doors to the public–for free–from 12 Noon to 5 PM. The participating museums work to preserve the history of early Los Angeles and, more specifically, the Arroyo Seco area. This event features an eclectic array of art, architecture and history. MOTA Day is among Pasadena’s Annual Signature Events and has become quite popular over the […]

30 April 2014 Category: Article Archives

Do I Only Need To Get A Business Owners Policy?

New business owners wanting to get their operations started on the right path are taking the time to find out all the different types of insurance products available. A business owners policy (BOP) is a type of packaged coverage offering the most common types of insurance most businesses require for their operations. The great thing about BOP insurance is that a business owner can modify what type of coverage is included in the policy so they are not paying for things they don’t need, according to Forbes. Yet, should a […]

23 April 2014 Category: Article Archives

Should I Be Working With an Independent Insurance Agent?

Independent insurance agents can often get you the best coverage at the best prices. There are many benefits to working with an independent agent as opposed to an insurance company. Independent Agents Have a Larger Inventory of Policies Independent insurance agencies can connect you to policies on both a local and national level. They are extremely knowledgeable about all of the insurance offerings available to you, and can thus get you the best deal and the perfect amount of coverage. Independent Agents Handle All Your Insurance Needs You can use […]

18 April 2014 Category: Article Archives

Understanding the Basics of E&O Insurance

Many businesses are unaware of the fact that they are at risk for errors and omissions exposure. As a business, you are responsible for providing adequate service and products that meet or exceed the results that were promised. When this doesn’t occur and a client decides to retaliate, that’s when E&O insurance comes into play. What Is It? Basically, E&O insurance is a liability insurance that protects individuals and businesses against client-made claims regarding negligent actions or inadequate work. Generally, the insurance policy will cover the judgment, attorney fees and […]

14 April 2014 Category: Article Archives

Farm Insurance: the Right Coverage for you

If you are a farm owner, chances are you’ve already considered the most basic coverage that you will need to ensure that you are insured in case of incident.  But this basic coverage, in many cases, simply won’t be enough to cover every possible issue that might arise during a given year. In order to properly assess your coverage, you first need to understand the risks and liabilities inherent in your business.  What kind of farming do you do?  Do you work with livestock?  Agritourism?  Food products?  What assets do […]