No, today’s title is not a typo. Following our nation’s Independence Day I’m calling this newsletter “Independent Day” to celebrate the benefits of an independent agency like Desert Insurance Solutions. Continue reading “Independent Day”
Inflation and the Cost of Insurance
The cost of groceries is going up. But I don’t blame my grocers because the cost of everything they buy to provide us is going up. Continue reading “Inflation and the Cost of Insurance”
Frog Soup
Maybe you’ve heard the old frog story: when thrown in hot water the frog jumps out but when placed in cool water slowly heated he becomes frog soup. In a way, that story reminds me of many people who come to me for insurance. Continue reading “Frog Soup”
Funny Insurance Ads…Just Aren’t That Funny
I can’t watch TV without seeing another funny insurance commercial. The problem is, insurance is not that funny. And it’s way too complicated to explain in a 30 second spot.
Continue reading “Funny Insurance Ads…Just Aren’t That Funny”
A Message for My Chubb Clients
In my professional experience, Chubb is a gold-standard carrier in homeowners insurance. They offer one of the most comprehensive coverage contracts in the industry and their claims performance is outstanding. Anybody with a fire loss would have been fortunate to have Chubb. Continue reading “A Message for My Chubb Clients”
New Insurance Laws…No Free Lunch
California and Arizona legislators are tinkering with insurance laws in ways that may be popular with voters but, as usual, there’s no free lunch. Continue reading “New Insurance Laws…No Free Lunch”
The Value of Multistate Licensing
Most captive agents are only licensed to sell insurance in one state. This creates a multitude of problems if you now have or ever acquire property or business interests that cross state lines. Desert Insurance Solutions is licensed in multiple states so we provide: Continue reading “The Value of Multistate Licensing”
Exclusions and Sublimits | What You Need to Know
“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”
When it Comes to Insurance, Think Value Not Price
Recently I was a panelist for the Women Leaders Forum’s seminar on financial issues. They asked each of us to contribute a page to a book of “financial wisdom” as a takeaway gift for attendees. If you’ve been reading my previous posts, you know my general advice is to think value not price, get a good agent and sweat the big stuff. Continue reading “When it Comes to Insurance, Think Value Not Price”
Dog Bite Liability: Risks and Tips
In case you missed it, below is my Valley Voice article that recently ran in The Desert Sun regarding dog bites and owner legal liability. Continue reading “Dog Bite Liability: Risks and Tips”