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B.I.G. Blog

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.
Will Auto Insurance Cover Your Car if it is Stolen? May 7, 2017
Seattle Auto Insurance and theft coverage

Every 26 seconds a motor vehicle is stolen in the United States.  According to the FBI's Uniform Crime Reports, of all motor vehicles stolen, 73.9% were automobiles. The most popular cars for thieves are; 1996 Honda Accord, 1988 Honda Civic, 2006 Ford PU and 1999 Chevrolet PU.

Your auto insurance may provide coverage in the event your vehicle is stolen, if you have the right coverage. If you bought your insurance on line in15 minutes, you might not have coverage. You will need       comprehensive coverage on your policy to cover auto theft. Your liability coverage will protect you if there is third party damage.

How to prevent your car from being stolen

Never leave your car running while unattended.

Never leave computers, phones or other valuables inside your car.  If you must leave valuables in your car, place them in the trunk where they are not as easily seen.
Park in well-lit areas.

Alarms or anti-theft devices work: Thieves are usually looking for the "easiest" target. If your car has an alarm, it could act as a deterrent. But don't make this common mistake: Just because you have an alarm, doesn't mean thieves won't break-in, IF you leave valuable items in plain sight.

Lock ALL of your vehicle's doors: This is true even if you plan on only being gone for "just a second". Remember, it only takes seconds to steal items from your car. It's not uncommon, for thieves to walk down a row of parked vehicles, looking for unlocked doors. Also, make sure car windows aren't left open.

A stolen car can be a real headache that can have some serious side effects on your future insurance premiums and your lifestyle.  Keeping thieves away, helps to keep everyone’s insurance costs down.  Doing what you can to prevent an auto theft will not only save you hassle, it will save you money as well. So stay safe--on the roads and in the parking lots as well!
 

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. 
 
 
Update Your Home and Business Insurance To 3.0 Apr 26, 2017
An Insurance Update
Advancement in technology minimizes your risk and lowers your cost of insurance.  Your business insurance is part of a new wave of technology that is taking the country by storm.  The insurance industry calls this the “Internet of Things” (loT).  There are many good articles relating to this issue and we have provided a few links: The Internet of Things: Groundbreaking Tech with Security Risks and Insurance 2.0 is a Game Changer.

The ways in which technology helps your business can be defined by one word, “Connectivity.”  We are all connected in so many ways now, and this can help reduce your risk.  “For example, the sensors in smartphones and smartwatch devices are already helping healthcare providers to diagnose illnesses and monitor wellbeing. Black box telematics in cars can assist insurers in informing policyholders how safe their driving is and helping shape their insurance rates.”  (www.welivesecurity.com, by Editor.

Ways in Which loT Helps You
Smart devices are connecting your homes in dozens of ways, including home security, heating, lights, and appliances.  These allow you to manage your home from anywhere, and detect a fire or other hazard.

Automated claims systems are able to help your business analyze employee injuries, which leads to the development of advanced safety programs.

Using smart vehicles allows employers to monitor commercial drivers, which can lead to safer drivers.

Parents are able to use smart devices in personal autos to monitor teen drivers. Some auto insurance companies are offering these devices as an incentive to lower premiums based on actual driving indicators.
Believe It Or NotEmployers Do Get Sued By Employees Apr 14, 2017
What you need to know about discrimination claims
Your employees can be, and should be, your most important asset. Often, they are the front line of customer services. They solve problems, sell your products and services, and represent your business to your customers and prospects. Managing employees can be rewarding and challenging at the same time. Employees are very aware of their rights and your responsibilities; which should lead you to be professional, kind and follow the law as you relate to your employees.

Employment Practice Liability Insurance is a product that many businesses buy to protect themselves from litigation. A recent article in the Insurance Journal points out that while employment claims are down; claims involving retaliation are at an all-time high.
The following are the top 10 categories of charges filed with the EEOC:
Retaliation under all statutes: 37,955 (42.8 percent of all charges filed)
Race (including racial harassment): 31,073 (35 percent)
Sex (including pregnancy and sexual harassment): 26,027 (29.3 percent)
Disability: 25,369 (28.6 percent)
Age: 20,588 (23.2 percent)
National Origin: 9,579 (10.8 percent)
Religion: 3,549 (4.0 percent)
Color: 2,756 (3.1 percent)
Equal Pay Act: 938 (1.1 percent) But note that sex-based wage discrimination can also be charged under Title VII’s sex discrimination provision
Genetic Information Non-Discrimination Act: 333 (0.4 percent)

How To Reduce The Possibility Of Employment Claims
This is not a complete list, but is considered a start to developing solid human resource policies.

Create an employee handbook
Have a clear anti-discrimination policy
Document conversations
Complete annual employee reviews
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