Tag Archives: insurance

Finding Affordable Commercial Insurance in Kirkland

Owning a business is certainly a stressful affair. Business owners have to worry about all of the same things as home owners plus things like worker’s compensation claims and product liability. Luckily for business owners looking for commercial insurance in Kirkland, WA, there is an insurance company that knows exactly how to protect both big and small business owners alike at affordable rates.

Variety Is Key to Savings

At American Insure-All®, we represent a vast number of great insurance companies which offer comprehensive and affordable coverage for all business types. Whether the business needs to insure a fleet of automobiles or just wants to make sure it meets its legal obligation for worker’s comp insurance, we’re here to help. Some of the insurance companies we carry include Charter Oak, Fidelity, and GMAC Insurance. These and our other carriers do the very best they can to meet all business needs at an affordable price.

Helping Translate Policies

When you come to American Insure-All®, the first thing we are going to do is take a look at the existing policy. By seeing what is covered in a current policy, we can decide the best way to save the business a little money. Interestingly enough, most business owners aren’t entirely sure what their policy covers, and this little oversight could be costing them thousands of dollars. With our expertise and experience, we can make sure that all the money going to an insurance company is protecting the right assets.

It Is Personal

The next thing we’ll do is discuss the specific needs of a business owner. Many times, after examining their existing policy, owners will notice clauses they want to change. When this happens, it is referred to as “tailoring a policy,” and it takes experienced hands to do it correctly. When a properly trained “insurance tailor” gets his or her hands on a policy, business owners can count on a rewrite that is sure to fit the needs of their business much better than the original contract.

Above all, we recommend carefully studying any policy. Rash decisions or decisions made in frustration can end up costing a business thousands of dollars. By taking time to seriously consider all of the options, business owners can save a lot of money and prevent a lot of headaches down the road.

The Different Types of Commercial Insurance You May Need

As a business owner examining options for commercial insurance in Everett, Washington, you may be wondering exactly what types of coverage you need. Although you may feel daunted by these decisions, we can explain the different kinds of commercial insurance and their purposes. This knowledge will enable you to choose the right policy for your unique company.

Some people have a personal umbrella liability policy, but they may not realize that it likely contains a loophole for business-related liability. With lawsuits commonplace in our modern society, you must have adequate coverage for the wide range of possible incidents that could result in legal action against you. For example, bodily injury can occur due to many circumstances that you cannot completely control, yet may still render you liable. Accidents can happen on the premises of your business, or a product that you manufacture could malfunction and cause harm. Property damage could also result by either mode.

Even if you have considered these relatively common circumstances, you may not have given any thought to several other less-obvious possibilities. For example, most business owners probably do not give much thought to lightning and explosion coverage. These insurance needs may be obscure, but they must be met nevertheless.

You must also remember that you need the same categories of coverage on commercial vehicles as you do on personal automobiles. Even if you use the vehicle for both business and personal use, a business-owned vehicle should have the company listed as the “principal insured.” Become informed about your rights in order to avoid difficulty in claim filing.

Finally, an employer must take care to provide workers’ compensation insurance. Many states mandate that companies provide this coverage, but employers in non-mandatory states should also seriously consider this option. Workplace injuries are common and can be extremely costly, and despite your best efforts to provide a safe environment, accidents may still happen.

5 Quick Tips about Auto Insurance

Almost 30% of drivers in the U.S. are uninsured. Driving uninsured can have serious consequences and can get you in a lot of trouble, especially if you are in an accident. Here are five things you can do to make auto insurance premiums more affordable.

Rethink Unnecessary Coverage

When you are getting a quote for car insurance, you are going to hear a lot of things that sound like good deals that actually aren’t. If your vehicle is paid off and is not valued very high, for example, you might want to reconsider comprehensive/collision coverage. Qualified agencies like ours can help you determine what coverage options you can pass on.

Drive under the Radar

If you have a flashy sports car, you might look awesome driving down the freeway but these vehicles are more expensive to repair after an accident as well as being more popular with thieves.

Consider a Carpool

There are often discounts available for people who keep their annual mileage numbers down. Consider a carpool if possible to drive less and save on gas and insurance premiums.

Ask About Any Other Discounts

When you are looking for car insurance, make sure to ask about all of the possible discounts that you might qualify for.

Be a Good Driver

At American Insure-All®, we reward customers for being good drivers. To save on your auto insurance, steer clear of accidents and obey all traffic laws so that you will not have any dings on your motor vehicle record.

6 Consequences of Driving without Car Insurance

When the budget is tight, you may think that it’d be okay to forgo your car insurance. You’re a good driver anyway, right? Here are 6 consequences that you may have to deal with when you’re caught driving without car insurance:

1. Hefty costs to cover car accidents.
2. Loss of points for your license.
3. Ticketed on top of whatever you were pulled over for in the first place.
4. Suspended driving privileges.
5. Car registration taken away until you can provide proof of insurance.
6. Higher premiums when you finally get car insurance.

Don’t suffer the consequences for driving without car insurance. Contact American Insure-All®, and we can help you find affordable car insurance with the coverage that you want.