Auto Dealer Insurance Coverage & Underwriting Tips

| Auto Safety, Uncategorized.

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 »

Hired Auto Claims

| Commercial Auto Insurance, Insurance education.

Even if your business does not own or operate vehicles, you could be pulled into hired auto claims by the negligence of others. The following is an example of real claim scenario that one of our contractor clients faced recently, and a reminder of why you should consider carrying hired and non-owned auto liability. What… Read more »

Have You Received a Non-Renewal On Your Auto Insurance?

| Auto insurance.

Have you received a non-renewal on your auto insurance?  It’s no secret that auto insurance rates in Nevada are some of the highest in the nation.  What most people don’t know is that the majority of auto insurance companies in Nevada have been struggling with profitability for some time.  When an insurance company is unprofitable… Read more »

Handyman Insurance Tips

| Business Insurance, Insurance education.

Working as a handyman requires a wide variety of skills. From plumbing and electrical work to carpentry and drywall repairs, a handyman can do it all. Protecting your business requires the assistance of knowledgeable insurance partner, such as the professionals at Safeguard Insurance. Here are some helpful handyman insurance tips to make sure you have… Read more »

Nevada DMV Fines

| Uncategorized.

Uninsured drivers are a huge problem on our nation’s roads.  Most states have laws that require registered vehicles to carry auto insurance at all times. This is known as compulsory auto insurance and is a public policy consideration that benefits all vehicle owners. Many times, drivers will purchase an insurance policy in order to register… Read more »

Understand Vacancy Provisions

| Uncategorized.

Within the loss conditions of most property insurance policies is a section regarding building vacancy. This is true of both personal insurance such as home and landlord insurance, and commercial insurance such as lessor risk or other property policies. This vacancy provision limits coverage damage to vacant buildings caused by certain perils and potentially reduces… Read more »

Tow Truck Insurance Coverage Basics

| Business Insurance, Commercial Auto Insurance, Tow Truck Insurance.

Like many industries, tow truck operators have very specific insurance needs. To protect your towing business, it is important you understand tow truck insurance coverage basics including the specialized policies you need. Here are 3 types of insurance coverage important for towing service operators: On-Hook Coverage and Cargo Coverage While technically these are two different… Read more »

Why Buy Group Health Insurance?

| Health Insurance, Insurance education.

As a business owner you might be asking yourself, why buy group health insurance?  Well, the main reason is simple – your employees. For most businesses, their most valuable asset is their employees. Employees are easy to find, valuable employees are not.  Valuable employees can take years of searching, recruiting, and training. And they can be… Read more »

Carpet Cleaner Insurance Myths

| Business Insurance, General Liability Insurance, Workers Compensation Insurance.

Finding the right carpet cleaner insurance should not be a difficult process.  For 20 years, the team at Safeguard Insurance has worked with dozens of carpet cleaners small and large to provide affordable business insurance solutions. Our mission is to provide your business with the appropriate insurance coverage at the best possible price. To help… Read more »