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B.I.G. Blog

Technology And Home Safety Jun 29, 2017
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.”

Here are a few technologies that will help keep your home safe, and will also lower insurance costs.

Security systems -- It seems like everywhere you go, there's a camera capturing images. If you own a smartphone or tablet, you probably have a camera that's built into the device. You can not only secure your home, but actually see what is going on through videos.

Electronic locks -- Nowadays you don’t even need a key to get into your home! These electronic locks can add additional security to your home.

Connected appliances -- Appliances that you can turn off and on from your smart phone not only help with your lifestyle, but also keep your home safe.

Leak detection systems -- Smart homes can be controlled from your phone, and when connected to your home's water and electrical system, can provide you with real-time updates on how these systems are performing. If you are using more water than normal, you will be notified that there is likely a leak present.

Timed lighting -- Having outside and inside lights come on during the evening while you are away deters burglars.

Smoke and fire detectors -- Having good detection systems keeps your family safe and insurers provide discounts for these.

Home weather warning systems -- There are weather warning programs that can detect high winds and identify severe weather earlier than ever.

We offer all types of Personal Insurance coverages to our clients including Auto, Homeowners, Motorcycle, Boat, Car, Renters and Umbrella. Our benefits department can also assist you in protecting you and your family with Life, Insurance. 
Protect Yourself From Unhappy Employees Jun 12, 2017
Employment related risks may be some of the most costly for California businesses. Most EPLI claims are centered on sexual harassment and wrongful termination. Firms with less than 50 employees are prone to have more exposure due to lack of human resources expertise.

According to EEOC enforcement and litigation statistics, the number of filings alleging employment discrimination (including race, age, disability, religion and national origin) totaled 88,656 in 2012, the greatest number of charges received by the federal agency since 2002 and the largest annual increase (9 percent) since the early 1990s.

Employment claims can be distracting and emotional for business owners. Owners may feel betrayed by employees they've known and trusted. Claims can take more than a year to resolve and many businesses suffer while owners fight a claim.

Here are quotes form business owners about EPLI claims:

“I had no idea that it would cost $50,000 to defend myself, and I was in the right” -- John, owner of a tech firm
"It was the hassle factor that was so distracting. The entire ordeal caused a lot of sleepless nights." -- Owner of a bottling plant
According to the Insurance Journal, “Employment practices in California is a known and growing concern for insurers, agents and employers, and that concern has some carriers ramping up rates dramatically or quietly pulling back from the area. Say those familiar with the region’s market.”

Employment Practices Liability Insurance (EPLI) is designed to help employers respond to growing EPL exposures, such as:
Harassment
Wrongful Termination
Equal Employment Opportunity Commission (EEOC) and other government authorities
Breach of employment contract
Discrimination
Wage and hour claims
Invasion of Privacy
Compensation Issues
Employee Benefits Administration
 
In today’s world employers can no longer assume all employment relationships will go smoothly. Finding a suitable Employment Practices Liability Insurance program has become one of the single most important things owners and managers can do. 
Give one of our agents a call to save money on your Business Insurance. Some of our Commercial insurance coverages include Commercial Auto, Work Comp, Business Owners Packages, and General Liability.

Let us help you cut your insurance cost! Just give us a quick call today at (888) 443-7744 or Submit one of our quick online quote forms - with the help of our dedicated business partners; we conveniently offer an entire solution for all your insurance and business needs.
Property Managers Top insurance Risks Jun 5, 2017
Seattle Property Managers Insurance

Property managers have unique risks that can only be insured with the right kind of commercial insurance. Property managers insurance can help ensure that property managers and third party interests are protected in the event of a fire or other catastrophic loss.

Top Four Risks For Property Managers
While there are many other risks associated with owning and running commercial real estate, we wanted to identify the four that seem to get the most press.

Property Insurance- Every property manager owns or manages business property, and they may also own the building in which they run their operations. Property insurance protects the physical assets your business owns – such as buildings, loss of rents, computers, office equipment, furniture, fixtures, and other property.

Cyber Liability- Cyber liability is the risk posed by conducting business over the Internet, over other networks, or using electronic storage technology to store confidential information. It covers third party losses from hackers, theft, and loss of information including sensitive client or individual personal information. If you collect any personal information from tenants including credit cards or bank information, you need cyber insurance.

Liability Insurance- Property managers have risks of bodily injury, property damage and personal injury as a result of hazards on their premises and/or operations. Property managers are also facing increased discrimination claims arising out of tenant issues.

Property Managers Crime Insurance- It is impossible for building owners to monitor everything that occurs on their properties, and crime insurance can also cover losses that are the result of acts of crime.

Give one of our agents a call to save money on your Business Insurance. Some of our Commercial insurance coverages include Commercial Auto, Work Comp, Business Owners Packages, and General Liability.

Let us help you cut your insurance cost! Just give us a quick call today at (888) 443-7744 or Submit one of our quick online quote forms - with the help of our dedicated business partners; we conveniently offer an entire solution for all your insurance and business needs.

 
May 30, 2017
Vacation Home and Income Property Insurance
More and more people are using services like VRBO and Airbnb to find vacation rentals.  As a result, many people are using their homes to develop rental income.  A standard homeowner’s policy may not cover losses incurred while your home is rented out.  You may require a more specialized insurance policy.

Key Homeowner’s Insurance Concerns With Rental Property

Your homeowner’s insurance will not cover rental property.

Landlord policies generally cost about 25 percent more than a standard homeowner’s policy to pay for increased protections.  source

You need landlord insurance when you do not occupy the same residence as your tenant. You will also need landlord insurance if you are renting out your own home temporarily, or sharing accommodations such as your basement level, with a renter.

You will need liability coverage in the event your renter is injured on your premises.

Your policy will not cover wear and tear due to increased use.

VRBO, Airbnb and other rental sites may require proof of insurance.

There are only a few insurance carriers willing to write an Airbnb liability insurance policy.  We have experience with insurers who handle this kind of risk.
 

Give one of our agents a call to save money on your Business Insurance. Some of our Commercial insurance coverages include Commercial Auto, Work Comp, Business Owners Packages, and General Liability.

Let us help you cut your insurance cost! Just give us a quick call today at (888) 443-7744 or Submit one of our quick online quote forms - with the help of our dedicated business partners; we conveniently offer an entire solution for all your insurance and business needs.
Are You Suffering From Fake Insurance News? May 14, 2017
A business insurance update

Fake news has been around for some time.  We have all been fooled by headlines and news reports that turn out to be fake. Fake news is defined as a completely made up story designed to manipulate the readers and to attract attention and advertising revenue.

William Atak, CEO of SafeOnNet, an insurer specializing in online reputational risk, said the potential for reputational harm increased significantly in recent years. Along with it, the potential for millions in lost profits.  “Fake news has always existed.  Only now, the perpetrators have the tools and knowledge to create stories at just the right moment and exploit social media and its algorithms,” he said.

Can fake news hurt your business?

Fake news has the potential to harm your businesses reputation, and even cause you to shut down.  Here is a link to an article about how fake news affects business.  Link to article

Reputation insurance

There is a solution to this growing issue, and that is reputation insurance.  There is no question that a great deal of your firms’ value is derived directly from your reputation.  This kind of insurance reimburses the company for the cost of crisis management expert fees up to a set amount, usually between $50,000 and $200,000.

Give one of our agents a call to save money on your Business Insurance. Some of our Commercial insurance coverages include Commercial Auto, Work Comp, Business Owners Packages, and General Liability.

Let us help you cut your insurance cost! Just give us a quick call today at (888) 443-7744 or Submit one of our quick online quote forms - with the help of our dedicated business partners; we conveniently offer an entire solution for all your insurance and business needs.
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