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B.I.G. Blog

You Will Never Need Personal Insurance IfÖ Apr 30, 2018

A Personal Insurance Update

Are you tired of people telling you why you need to buy their insurance? ¬†Are you sick of buying ďcheapĒ online insurance, only to end up with the wrong coverage?¬† We thought it might be fun to tell that you do not need personal insurance if you meet the following criteria.

Remember, personal insurance is designed to protect you from accidents and other unforeseen events.

You May Not Need Insurance If You

  • Never make any mistakes
  • Donít own or drive a caróever
  • Live in a county with no lawyers
  • Will never get sick
  • Plan to live in the hills in a tent
  • Donít plan on having children
  • Believe the government will support you in your old age

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. 

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.

How Will Your Business Respond? Apr 19, 2018

A Business Insurance Update

If you think about it, your business faces risks every day.  When you open your doors, you have the risk of having sick or injured employees, customer complainants, and vendors who fail to deliver on their promises.  The world has changed in the past few years and it is important for business owners to make sure their business insurance keeps up.

Recently a large insurer released their annual business risk index. This index identified the top concerns of over 1,000 business owners.  Nearly half of survey respondents believe that the business world is growing riskier, yet just 24 percent said that risk management was a strategic priority for them.

According to the survey, the top seven worries of today's business owners across all industries are:

  • Medical cost inflation
  • Increasing employee benefits costs
  • Legal liability
  • Broad economic uncertainties
  • Tech and data/cyber risks
  • Complying with laws
  • Attracting and retaining talent

Source: Business News Daily

Let our agency help you understand how to manage and treat the risks.  We offer a wide range of highly rated insurers that can offer the necessary products to help you manage your risks. 

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.

 

A Few Reasons Not to Buy Insurance Apr 11, 2018

An Insurance Update

Every agent offers tips and suggestions on why you should buy insurance.  However, here are a few reasons not to buy insurance.  Insurance is designed to protect you from unknown events that might cause you a financial loss.  Some people think insurance is not worth it or just costs too much, so here are our reasons not to buy insurance.

  1. If you do not own a car, walk everywhere, or use a bike for transportation, you may not need auto insurance.
  2. If you are going to win the lottery, you may not need life insurance.
  3. If your rich uncle is going to leave you millions of dollars, you can cancel your loss of income insurance.
  4. If Phil Knight just named a shoe after you and your royalties will be millions of dollars, you may not need long-term care insurance.
  5. If you have a superhuman immune system and your doctor says you cannot ever get sick, maybe it is time to reduce your health insurance.
  6. If you develop a time machine so you can travel to the future to save yourself from every accident, you may not need liability insurance.

Even wealthy people buy insurance because the value and return on investment is so good.  For a few hundred dollars you can transfer the risk of your home burning to the ground, not a bad deal.

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.

Do You Have Insurance Questions? We Have Answers Mar 29, 2018

Insurance Question We Most Often Answer

As professional insurance agents, we are asked many questions regarding personal insurance.  We thought it might be good to offer answers to the most common kinds of questions we receive.

ďWhy buy from an agent when I can go online?Ē

When you buy insurance online, you are forced to become the insurance expert and if there is ever an issue, you have only yourself to blame.  In most cases, we can offer the same, or better, coverage with a licensed professional agent who is willing to actually meet with you and educate you on your choices.  The cost for these services is included in the cost of your insurance.

ďHow much insurance do I need?Ē

That depends on your personal situation.¬† If you have a number of vehicles, recreational vehicles, or a boat, we might recommend higher limits than if you are a renter with no ďtoys.Ē ¬†We also recommend that you buy auto insurance coverage/limits above the state minimum.¬† If you have a growing family and own your home, we suggest higher limits and a personal umbrella policy to protect your assets. ¬†A personal umbrella policy is very competitive and can provide an added layer of coverage and security.

ďWhich deductible should I select?Ē

The higher the deductible, the lower the premium. ¬†In the long run, it may benefit you to increase your homeownerís insurance deductible above a minimum amount, especially if you are claim free for a number of years.

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 Insurance For Your Business Mar 20, 2018

A Business Insurance Update

Every business owns business property, and you may also own the building in which you run your operations. Property insurance protects the physical assets your nonprofit owns Ė such as computers, office equipment, buildings, furniture, fixtures, and other property.

Every business should have a property insurance coverage to respond to the many risks associated with property ownership. Property policies offer many unique coverages, some of which we have highlighted:

  • Building Coverage - allows you to quickly rebuild or repair buildings or other property damaged by fire, theft, natural disaster or other events, allowing you to return to normal operations.
  • Business Personal Property Coverage - covers costs to replace the contents in your building if they are stolen or destroyed by a covered unforeseen event.
  • Business Income Coverage - provides for continued income or lost revenues while the building and its contents are being rebuilt and replaced.¬† Business income helps you to cover operating and ordinary payroll expenses needed to keep an organization operating after a loss, usually for a specific time.
  • Fine Arts Coverage - includes loss or damage to artwork or sculptures housed in your building.
  • Building Ordinance Coverage - covers the increased cost to comply with building codes, ordinances or laws that have changed after your building was originally constructed. For example, under new building codes, your structure may be required to have a sprinkler system, which will increase construction costs.
  • Outdoor Signs and Property Coverage - covers costs to replace outdoor fences, signs, trees, shrubs or plants.
  • Equipment Breakdown Coverage - includes loss due to failure or breakdown of equipment such as boilers, heating systems, and electrical machinery.
  • Computer Coverage - covers costs to replace or repair damaged hardware, software, data or media vital to your operations.
  • Back-up of Sewer - covers costs to repair or replace items damaged by back-up or overflow of a sewer or drain.
  • Earthquake Coverage - provides insurance to repair or replace damaged equipment and buildings resulting from an earthquake. Earthquake coverage is typically excluded under most property policies.¬†

At Belltown Insurance Group, we can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.

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