206-363-1504 - Auto, Home, Business, Life & Health Insurance in Shoreline and Seattle, Washington
Sun, 19 Apr 2015 12:37:53 -0700
There are two different kinds of risks and we will address each. The first risk is what we might call incidental use. The second risk is when a person drives his/her own car every day as part of their job, like a sales person. This person’s job description actually includes using their own car as part of the day to day job functions.
Generally in these situations you would be covered under your personal auto policy. If you find you are driving more than 30-40% of the time on company business, it would be best to contact our office for a review of your coverage. Examples of incidental use would be:
Going to a company event
Taking the mail to the post office
Picking up supplies at the store
Going to see a client - occasionally
Many personal auto policies have drive-for-business exclusions, requiring individuals to inform their agents that they drive for work and to acquire an endorsement. Without the endorsement, insurers may refuse to cover a claim. Here are some examples of work related situations where you might need to make adjustments to your insurance:
Outside sales professionals
Driving more than 50% of the time for the company
You receive an auto allowance
You take a tax deduction for work related driving
If you use your vehicle for delivery or landscaping you might need to consider a commercial policy, especially if the vehicle is used 100% for business use.
We are ready to help you with all your auto, home, RV, and motorcycle needs. Call us today. We can combine your insurance under one program and save you hundreds of dollars.
Sun, 29 Mar 2015 11:03:04 -0700
Mon, 09 Mar 2015 15:02:21 -0700
Recently, a survey was given to people who purchase personal insurance and the results were very interesting. The survey concluded that most people may not fully understand how insurance works. Some of these misunderstandings can lead to improper coverage and even uninsured losses. Let’s review some of the personal insurance misconceptions.
Sun, 15 Feb 2015 19:31:44 -0800
Renters insurance covers your personal property such as clothes, computers, electronics, furniture and more. If your property is damaged in a fire or stolen, renters insurance can be there to help you. The policy also covers your property when it is away from your home; for example, if your laptop is stolen or damaged due to a covered peril when you take it with you on vacation.
Renters insurance also covers your personal liability. If someone is injured while in your apartment or condominium you can be held liable. You may be responsible for medical bills and could be subject to a lawsuit.
If your apartment building is destroyed by a fire, you may need additional living expenses and renters insurance can provide that too. Your policy can pay for necessary increases in living expenses incurred so that your household can maintain its normal standard of living.
Your landlord may require renters insurance as part of your lease agreement.
Always buy replacement cost coverage on your property. This will reimburse you for the full cost of replacing your possessions. An insurer will not depreciate the value of your possessions in this coverage.
Our renters insurance rates are extremely competitive and may even give your car a discount if you sign up with us. Please call us at 206-363-1504 for a quick quote!
Sat, 31 Jan 2015 14:02:34 -0800
As always, please feel free to call us anytime to review your policies or for a quote on any new purchase at 206-363-1504.