This year brought Desert Insurance Solutions two new employees: Art Carroll, our Commercial Lines Account Manager and Lily Cardenas, our Personal Lines Service Manager. And we have a new website (that you are looking at right now!). Continue reading “A New Website for the New Year”
2017 wasn’t very happy for the insurance industry thanks to three nasty grinches named Harvey (in Texas), Irma (in Florida) and Maria (in Puerto Rico). Because coastal development has been so strong over recent decades, these hurricanes could result in total losses of $100 billion! Despite that massive number insurance carriers are not forecast to be overly stressed because only 18-20% Florida and Texas residents have flood insurance, and carriers have their own insurance (called reinsurance) to cover excessive loss. Continue reading “Fires and Floods: 2017 Year in Review”
Who could forget the scenes of devastation as hundreds of California homes burned to the ground by wildfires? Imagine for a moment driving up to your home and finding everything gone: house, furnishing, computers, files, safe… maybe even your wallet and cell phone. Continue reading “Vital Data Map is a Great Risk Management Tool and its Free!”
Fall will be here soon and with it comes open enrollment for many health plans. Today I’ll cover issues for employers, employees who get insurance at work, individuals who aren’t covered at work and Medicare participants. Before I start, here are some general points to consider: Continue reading “What You Need to Know About Health Insurance”
It always feels like endless summer here in the desert but when the real summer begins it goes from hot to hotter! Continue reading “Tips and Tricks to Survive the Scorching Desert Summer”
Did you know that 75% of all motorcycle accidents involve a car or that 67% involve a car driver who fails to see a motorcycle? For most motorcycle accidents, it takes two. It’s no surprise that riding a motorcycle is dangerous: fatality rate per mile driven is 35 times higher than when in a car! Only 25% of motorcycle accidents don’t involve cars, typically slide out on turn from inexperienced riders. So if most motorcycle accidents are caused by car drivers not seeing motorcycles, what can we do?
Continue reading “Motorcycle Accidents | What You Can Do to Help Prevent Them”
“Apples to apples” is an idea that affects billions of dollars of insurance advertising spending, even though it doesn’t really work. A more useful phrase is “a little knowledge is a dangerous thing”. Continue reading “Exclusions and Sublimits | What You Need to Know”
This month brings us a new president who has pledged to change the Affordable Care Act, aka Obamacare. The details of the changes are yet unknown, but I wanted to give you some background in case you’re concerned. Continue reading “Obamacare Under President Trump | What You Need to Know”