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B.I.G. Blog

Trick Or Treat… Are You Covered Oct 23, 2017
A Homeowners Insurance Update

Your homeowners insurance covers many different kinds of risks including vandalism caused by trick-or-treaters.  Now may be a good time to have a free home insurance review. 

In the next few days, we will be watching children scramble from house to house in search of the elusive Halloween treat.  However, keeping our kids safe as they are active on Halloween night is always a concern.  A little pre-planning can prevent unfortunate accidents that could turn out to be tragic.  Remember, your homeowner’s insurance will cover you in most cases should someone trip and fall on your premises.

Here are some pointers for ensuring your house is a safe place for trick-or-treaters on Oct. 31.

Consider providing healthy treats for trick-or-treaters such as low-calorie treats and drinks.  For your guests, offer a variety of fruits and vegetables.

Be sure walking areas and stairs are well-lit and free of obstacles that could cause someone to fall.

Keep candle-lit jack o'lanterns and luminaries away from doorsteps, walkways, landings, and curtains. Place them on sturdy tables, keep them out of the reach of pets and small children, and never leave them unattended.

Remind drivers to watch out for trick-or-treaters and to drive safely.
 
Safety Tips for Kids
Never, ever, go into a house.

Costumes should be short enough to prevent children from tripping and falling.

An adult or an older responsible child should always accompany young children.  Even older children should go trick-or-treating with an adult, or in a group.  Never go out alone.

Only go to homes with a porch light on.

Plan costumes that are bright and reflective.

Do not eat homemade food.

Examine all candy.  If it has been opened, toss it out.

Use a flashlight.
 
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.
 
Sources: http://www.nsc.org/, https://www.aap.org, https://www.cdc.gov
 
Agents Can Help Employers Manage Workers’ Compensation Costs Oct 18, 2017
There are over 4.1 million workplace injuries in the Unites States each year, according to OSHA.  Employers spend about $155 billion on work related injuries each year.  There is no doubt workers’ compensation is a big expense for employers.

The good news is there are many actions an insurance agent can do to help employers reduce workers’ compensation costs.
Search the market for options and program designs that fit the individual needs of each employer.

Help build a bridge between the insurer and business.

Educate employers about how workers’ compensation works.

Analyze all classifications to make sure they are correct.

Help the company prepare for the workers’ compensation premium audit.

Help the company review accidents and claims to determine trends and then create safety solutions.

Facilitate a claims review with the insurer to make sure all claims are being processed correctly.

Workers’ compensation is an important part of your business insurance program. It is required by state law that your business has workers’ compensation insurance.

As a business owner, you go to great lengths to provide a safe working environment for your employees. Workers’ compensation continues to be a significant cost driver for most employers, and understanding all the factors that can drive your workers' compensation cost can often be complex and time consuming.
 
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.
A Few Simple Ways to Prepare Now For a Disaster Oct 13, 2017
A personal insurance update
We have witnessed the wrath of hurricane Harvey and are looking at Irma hitting the East Coast Soon. Wild fires are hitting the West very hard. We thought it might be good to offer a little disaster preparedness.
Do not let the change in weather fool you; we are still at risk for acts of Mother Nature.  In the coming months, we may be at risk of wind damage, wild fires, floods, and more.  Remember, your homeowner’s insurance may not cover every disaster, so please call our office for a free insurance review.

How to prepare for an emergency

Create a home inventory. This will help you to recover your personal property.
Is your policy’s replacement cost limit correct?  It is a good idea to have us, or your insurance company, help you determine the current replacement cost of your home.
Create an emergency food supply; enough to last a week or so.

Have a three to five-day supply of water, 1-2 gallons of water per person, per day.
Keep extra cash on hand in case banks are closed.

Have a few high-powered flashlights ready.
Keep extra batteries on hand.

Have a communications plan. Consider that your family may not be together if a disaster strikes.

Designate a contact person, outside the area, as a check in person for family members.

Stock a first aid kit, a supply of essential medicines for at least a week, and other crucial medical supplies like inhalers.

Make sure you have copies of your family’s identification, birth certificates, passports, insurance policies, proof of address or lease, medication list and medical information, copies of credit cards, checks, etc.
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.
Can Your Seattle Homeowner’s Insurance Really Cover These? Oct 3, 2017
You may think that Seattle home insurance is only good in natural disasters. When a fire, hurricane, or flood damages your home, your insurance should cover the damage. However, there are many times you can use your home insurance coverage regardless if there is a natural disaster or not. We wanted to provide a few unusual claims circumstances that are covered under your homeowner’s insurance.

An item falling from the sky -- Damage that comes from "falling objects", which includes stuff that comes from the sky, is usually covered.
Illness as a result of food -- If you have a dinner party and your guests get sick, your homeowner’s insurance can provide coverage.
Kids at college -- If you have children attending college, their personal property is covered, usually up to a specific amount.
Dog bites -- Dog bites are generally covered, so your homeowner’s policy will most likely protect you if your family pet bites someone. However, many insurance carriers maintain lists of “high-risk” breeds that are not covered under a standard policy.

Losses Not Covered under a standard Homeowner’s or Renter’s Policy
Earthquake
Flood
Intentional acts
Criminal acts
 
 
A Few Simple Ways to Prepare Now For a Disaster Sep 28, 2017
A personal insurance update
We have witnessed the wrath of hurricane Harvey and are looking at Irma hitting the East Coast Soon. Wild fires are hitting the West very hard. We thought it might be good to offer a little disaster preparedness.
Do not let the change in weather fool you; we are still at risk for acts of Mother Nature.  In the coming months, we may be at risk of wind damage, wild fires, floods, and more.  Remember, your homeowner’s insurance may not cover every disaster, so please call our office for a free insurance review.

How to prepare for an emergency
Create a home inventory. This will help you to recover your personal property.
Is your policy’s replacement cost limit correct?  It is a good idea to have us, or your insurance company, help you determine the current replacement cost of your home.
Create an emergency food supply; enough to last a week or so.
Have a three to five-day supply of water, 1-2 gallons of water per person, per day.
Keep extra cash on hand in case banks are closed.
Have a few high-powered flashlights ready.
Keep extra batteries on hand.
Have a communications plan. Consider that your family may not be together if a disaster strikes.
Designate a contact person, outside the area, as a check in person for family members.
Stock a first aid kit, a supply of essential medicines for at least a week, and other crucial medical supplies like inhalers.
Make sure you have copies of your family’s identification, birth certificates, passports, insurance policies, proof of address or lease, medication list and medical information, copies of credit cards, checks, etc.
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. 

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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