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B.I.G. Blog

Home Burglaries Are Too CommonÖ Why You Are at Risk Nov 22, 2017
A Home Insurance Update

Having your home invaded by a burglar cannot only cost you monetarily, but it can cause stress and a loss of security.  Over 60% of homes are at risk of having a burglary according to a national insurer. This number includes renters and owners of condominiums as well.

Top Ways Thieves Get in Your Home

Un-locked door or window
Key left outside
An open garage door

How to Reduce the Chances of a Home Burglary

Having lights on
Security system
Outside lights on timers
Neighbor watch programs
Keeping all doors and windows closed and locked

Limit the amount of shrubs around windows
If you have the right kind of homeowners insurance, a loss like this should be covered.  However, we always recommend you call our team to have a review of your personal insurance program.
 
Should My Business Purchase Business Interruption Insurance? Nov 16, 2017
A Commercial Insurance update
When a fire destroyed a fifty-unit apartment complex, the owners found themselves in a tough situation.  Fortunately, the owners had insurance to cover the repairs and replacement of all the damaged units, and because the agent had done his job, the owners had business income, or loss of rents insurance.

Business Income coverage is a property coverage that is designed to pay the loss of income (rent is this case) following a total or partial shutdown of a business.  Business Income is designed to replicate the insured's income stream and covers expenses as if no loss had occurred.

The 50 families that no longer had a place to live will not pay rent until they have moved back into their repaired units.  In addition, chances are, many will move on to other housing and will not come back.  However, the property owners still have expenses including a mortgage that will need to be paid.  There can be three major parts to Business Income insurance:

Business Income (BI) Coverage‚ÄĒreplaces the lost gross earnings during the shutdown resulting from a covered property loss. ¬†Loss of rents is considered gross earnings.
 
Extra Expense Coverage‚ÄĒcovers the cost to relocate to another location and continue operations.¬† During relocation, businesses typically incur the extra expenses of rent, equipment lease and the cost of restoring databases. ¬†All of this is covered by the "extra expenses" portion of the policy.
 
Ordinary¬†Payroll Coverage‚ÄĒthis optional coverage continues paying your workforce while you have no work for them.¬† It prevents your trained employees from accepting other¬†jobs¬†while waiting for your business to recover. ¬†This coverage is optional, but is recommended in many circumstances.
 
Our team of insurance professionals has the knowledge and experience to help you identify your risks and create cost effective solutions.
 
Holiday Shopping Safety Nov 15, 2017
Personal Insurance and Safety Update
Halloween is over and that means we are in the middle of the holiday season.  During the next 60 days, we will all be busy shopping, eating out, and traveling.  Thieves know that the police are overloaded during the holiday season, and they take full advantage it.  Burglars know that there are many expensive items in homes and cars during the holidays.

Your home or renter’s insurance will provide coverage for theft or loss if you have the coverage. Now would be a good time to call us for a free personal insurance review. Whether you are holiday shopping at the mall, online, or a little of both, keeping yourself and your personal information safe is important.  Here are a few holiday shopping safety tips:

Holiday Shopping Safety
  • Always be aware of your surroundings.
  • Lock your shopping bags in your trunk.
  • Never allow children to make unaccompanied trips to the restroom.
  • Never leave car doors unlocked or windows open.
  • Always park in lighted areas. DO NOT park in remote areas.
  • Shop with a friend.
  • Teach your child to go to a store clerk and ask for help in case your child is separated from you.
  • Avoid wearing expensive jewelry.
  • Keep receipts in your wallet or purse.
  • Avoid carrying large amounts of cash.
  • As you return to your car, make sure to keep your car key in your hand.
Welcome to Belltown Insurance Group. We are an Independent Insurance Agency, which means we have made available some of our best companies for your online quick quotes. 
Seattle Business Insurance Nov 10, 2017
It is good to review your business insurance program every year

Every business, like a person, needs checkup from time to time.  As your business grows or changes, your business insurance should respond accordingly.  If your business changes, there could be the possibility that you may not have the right business insurance coverage, and that can lead to an uninsured claim.

What a business insurance check-up looks like

We will review your policies and compare them to your operations to make sure that you have the coverage that matches your risk.  We will also review the following questions:

Have you added any new locations?
Do you now design, sell, or manufacture any new products?
Did you update or remodel your facility?
Did you make any investments in your business?
Have you added transport or delivery services?
Have you sold any personal property or equipment?
Are you expanding your services and/or your client base?
Have there been any changes in ownership?

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. 
 
Trick Or TreatÖ 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
 
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