Last month I attended an insurance workshop where the speaker told me clients find newsletters about insurance and safety tips boring! What they like, he said, is learning more about me outside the world of insurance. So here goes. Continue reading “Get to Know Carrie”
The Five Dimensions of an Insurance Claim
When you buy insurance you hope for the best (no losses) and plan for the worst (loss and claim).
As I mentioned in my January, 2014 post, contracts and carriers are different when it comes to handling the five dimensions of a claim: Continue reading “The Five Dimensions of an Insurance Claim”
Insurance and the Affordable Care Act
Covered California “open enrollment” begins November 15 so I would like to share some thoughts on Obamacare. This newsletter deals with individuals and families who don’t get health insurance through an employer or qualify for Medicare. If you want to talk about Medicare Supplements or health insurance for small businesses, give me a call! Continue reading “Insurance and the Affordable Care Act”
Insuring Your Second Home
Here comes fall, which along with winter and spring makes up the best time in the Desert! With that in mind, I’m devoting this post to second homes. If you can swing it and enjoy the same resort location year after year, second homes are great! Continue reading “Insuring Your Second Home”
Why Adequate Liability Insurance Limits Matter
Regarding insurance, you may recall my advice to “sweat the big stuff”. In April, I pointed out that no personal insurable risk is bigger stuff than liability…the risk of getting sued. I asked my friends at Chubb Insurance to share some cases that you might find of interest. Click on the Summary below to see some real-life examples that could happen to anyone. Continue reading “Why Adequate Liability Insurance Limits Matter”
Why is My House Insured for a Different Amount Than What I Paid for It?
Here’s a frequently asked insurance question that I get quite often: Why is my house insured for a different amount than what I paid for it and its bank-appraised value? Continue reading “Why is My House Insured for a Different Amount Than What I Paid for It?”
Should I Switch to Cheaper Insurance?
Here’s a question that I get quite often: I keep seeing ads that say I can save on insurance by switching…should I be shopping for cheaper insurance? Continue reading “Should I Switch to Cheaper Insurance?”
Every Business Needs Insurance
Every business needs insurance. Proof of general liability insurance is required by your landlord before you sign your lease. Workers’ compensation insurance is required by the state before your employees can come to work. Other forms of insurance protect your business and your personal assets from business-related risk. The use of an independent, experienced insurance broker like Desert Insurance Solutions is highly recommended. Continue reading “Every Business Needs Insurance”
The Risks of Distracted Driving
The other day someone asked me, “based on all your experience with insurance and risk, what is the one single most important thing people can do to be safer?” Continue reading “The Risks of Distracted Driving”
Liability Coverage Checklist
Last month I used the phrase “sweat the big stuff” and it doesn’t get bigger than liability risk. In the US in general, and California specifically, you can get sued for just about anything and the legal concept of “fault” frequently defies common sense. And unlike property coverage, a liability loss can exceed the value of your assets. So the risk is important and complicated, but it can be managed. Continue reading “Liability Coverage Checklist”