Common EPL Claims

| Employment Practices Liability.

Many business owners are not aware that general liability does not cover claims related to hiring, firing, discrimination, or other employee issues. Those type of claims are covered by employment practices liability insurance, also known as EPL coverage. The number of EEOC complaints filed against businesses continues to rise, making EPL coverage more important than… Read more »

Motorcyclist Safety Tips

| Uncategorized.

A recent report by the GHSA (Governors Highway Safety Association) has some good news about motorcyclist fatalities in 2017: the number of fatal accidents decreased by 5.6%. However, the reality is that nearly 5,000 motorcycle riders died on US roadways in 2017. That number is shockingly high and, sadly, many of those deaths were preventable by following… Read more »

General Liability: Who is an Insured?

| Business Insurance, General Liability Insurance.

In a commercial general liability policy, the named insured is the person or organization that is specifically listed as the owner or policyholder on the declarations page. Beyond that specifically described named insured, the general liability coverage form also grants insured status to a number of other persons and entities. Knowing who is an insured… Read more »

Your Las Vegas Acuity Insurance Agent

| Auto insurance, Business Income, Home Insurance.

Safeguard Insurance is an independent insurance agency. That means we work with many insurance companies to find you the right coverage for your auto insurance, home insurance, business insurance, or life insurance needs. Although we are proud to represent many A-rated and reputable insurance providers, one of our favorites is Acuity, a Mutual Insurance Company. Safeguard… Read more »

VoIP Phone Systems for Business: Our Office Experience

| Uncategorized.

Are you’re tired of paying the high prices for a traditional phone system?  Would you like a phone system that is less expensive and offers more features?  Maybe you should consider VoIP.  VoIP, or Voice Over Internet Protocol, is the technology to run your phones over the internet, rather than traditional phone lines.  Since VoIP… Read more »

Business Insurance in Las Vegas, Nevada

| Business Insurance.

The economy of Las Vegas is moving along at full-speed, according to Las Vegas Global Economic Alliance’s 2018 outlook. By nearly every metric our local economy is growing, and many industries are thriving. The manufacturing, technology, and construction industries are especially booming right now. We hope your business is also thriving in the Las Vegas… Read more »

Commercial Property Insurance Water Damage Claims

| Business Insurance, Commercial Property Insurance.

Water damage claims to commercial property are increasingly common. In fact, a study by Hartford Insurance Company shows water damage claims are second in frequency to burglary and theft losses. The cost to deal with water damage can be very high and, unfortunately, certain types of water damage claims may not covered by standard commercial… Read more »

The Importance of Loss Assessment Coverage

| Home Insurance, Homeowners Insurance, Insurance Claims, Loss Assessment Coverage.

When you purchase a home, condo, or townhome with an association you also become an owner in the association and any common areas.  If your community has 100 homes, then you would typically own 1/100th of the association.  Likewise, you are also are responsible for 1/100th of the liabilities of the association.  For example, if a… Read more »

Auto Dealer Insurance Coverage & Underwriting Tips

| Auto Dealer Insurance, Garage Insurance.

Auto dealers have very specialized insurance needs. An auto dealership has owned vehicles being driven by staff and customers, non-owned vehicles being serviced or repaired, as well as a large and valuable inventory of vehicles subject to vandalism, theft, and collision damage. To properly cover these various exposures, it is helpful to understand some of… Read more »

How to Save Money on Car Insurance Premiums for Teenage Drivers

| Auto insurance, Teen Drivers.

It’s a dreaded discussion that parents have with their insurance agent: How much is my teenage driver going to raise my auto insurance? According to teendriversource.org, motor vehicle crashes are the leading cause of death for U.S Teens. The risk of a car accident is higher among 16 to 19-year-old drivers versus any other age… Read more »