Spring Clean Your Insurance Policies

| Auto insurance, Business Insurance, Flood Insurance, Home Insurance, Personal Umbrella Insurance.

When was the last time you pulled our your insurance policies, dusted them off, and read cover to cover? If you are like most consumers the answer is probably never and that means it is time to spring clean your insurance policies. Insurance, whether for your personal or business needs, is never meant to be… Read more »

Does Auto Insurance Cover Flood Damage?

| Auto insurance, Auto Safety Tips, Flood Insurance, Insurance education.

We’ve had a wild monsoon season in Las Vegas this year.   September 11th was another record setting day with over 1.18 falling in a short time and some parts of the valley receiving over 2 inches!  As always, that kind of heavy downpour creates causing flooding on our streets and, inevitably, motorists drive sustain damage to their vehicles from… Read more »

Why You Should Read Your Insurance Policy

| Auto insurance, Business Insurance, Condominium Insurance, Earthquake Insurance, Flood Insurance, Garage Insurance, General Liability Insurance, Homeowners Insurance, Insurance Claims, Insurance education, Renters Insurance, Risk Management, Workers Compensation Insurance.

An insurance policy is nothing more than a contract between you, the policyholder, and the insurance company.   Because the insurer develops the policy verbiage and structure, insurance contracts are considered “contracts of adhesion“.   This means the policyholder has almost no ability to modify the language of the contract.  It does not mean, however, that you should… Read more »

The Nevada Insurance Commissioner: A Consumer Friendly Watchdog

| Auto insurance, Business Insurance, Earthquake Insurance, Flood Insurance, General Liability Insurance, Homeowners Insurance, Insurance Claims, Insurance education, Risk Management, Uncategorized, Workers Compensation Insurance.

Overall, most consumers are satisfied with their choice in insurance companies.   Studies by JD Power and other organizations (including the insurance companies themselves) show that about 94% of customers are happy with the outcome of a claim.   The insurance industry is very sensitive to public perception and works diligently to provide a positive claim and… Read more »

Nevada Earthquake Insurance

| Earthquake Insurance, Flood Insurance, Home Safety Tips, Homeowners Insurance, Insurance Claims, Insurance education.

The recent earthquakes in Colorado and Virginia were an eye-opener for many of our customers.   We have had several calls from concerned policyholders wondering about the possibility of an earthquake in the Las Vegas area.   We don’t normally associate earthquakes with Las Vegas, but you should know that most of Nevada, including Clark County, is considered… Read more »

Contractual Liability – A Love/Hate Story

| Business Insurance, Flood Insurance, General Liability Insurance, Insurance education, Risk Management.

If, in the course of business operations, you have signed a lease or subcontract agreement, then contractual liability is a part of your life, whether you realize it or not. Contractual liability, simply put, is the obligations or liability you assume by agreeing to the terms of a contract. To illustrate, let’s look at very… Read more »

The National Flood Insurance Program

| Flood Insurance, Home Safety Tips, Homeowners Insurance, Insurance education.

The recent flooding along the usually tame Virgin River was an awesome display of the power and unpredictability of moving water.   Several towns in Southern Utah, Nevada, and the Arizona Strip were evacuated and video footage of homes being washed away made the national news.  As I watched the news footage, I could not help but think about… Read more »