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 »

Understand General Liability Exclusions

| General Liability Insurance, Insurance Claims, Insurance education.

The commercial general liability (CGL) policy provides remarkably broad coverage for property damage and bodily injury claims. As with all insurance policies, understanding what is not covered is just as important as understanding what is covered. Because the CGL policy is the foundation of most business insurance plans, it is critical to understand general liability… Read more »

Affordable Commercial Auto Insurance

| Business Insurance, Commercial Auto Insurance, Risk Management.

Business use vehicles can be expensive to own and operate. Between the cost of fuel, routine upkeep, and the occasional major repair, the cost to a business can be substantial.  Here are some tips to finding affordable commercial auto insurance that will help reduce the cost to your business: Prescreen drivers. Before you even consider… Read more »

Business Insurance Tips

| Business Income, Business Insurance, Commercial Auto Insurance, Commercial Property Insurance, Workers Compensation Insurance.

Many business owners want to buy an insurance policy and never think about again. We understand you have better things to focus your time on, so here are some business insurance tips to make sure you have the right coverage to protect your operation. Buy adequate property insurance coverage. Many property insurance policies contain a co-insurance… Read more »

Got Data? You Need Data Breach Insurance!

| Business Insurance, Data Breach.

As part of your business operations do you store information about your customers, such as email address, names, mailing address and payment data?  If so, you need data breach insurance.   Major data breaches happen daily – 783 occurred in 2014 alone.   Despite the very threat, many business owners, especially small business, continue to… Read more »

The importance of insurance to value

| Business Income, Business Insurance, Commercial Property Insurance, Home Insurance, Homeowners Insurance, Landlord Insurance.

Insurance to value, abbreviated as ITV, is an important concept in the world of property insurance.   It applies equally to personal insurance and business insurance.  Essentially, any insurance that is covering something tangibile like a home, renter contents, commercial building, business inventory or even business income, needs to have adequate insurance to value. What… Read more »

Thinking about a commercial umbrella policy?

| Business Insurance, Commercial Auto Insurance, Commercial Umbrella, Excess liability, Umbrella Liability, Workers Compensation Rating.

Have you been thinking about a commercial umbrella policy for your business?   We truly hope you don’t spend your waking hours thinking about business insurance.  Thinking about insurance is our job, and we would be remiss if we did not mention the importance of a commercial umbrella. An umbrella policy provides a secondary layer of liability coverage.  … Read more »

Nevada Lessors Risk Insurance

| Business Income, Business Insurance, Commercial Property Insurance, General Liability Insurance, Insurance education, Landlord Insurance.

Nevada Lessors risk insurance, also called commercial landlord insurance, is a specialized insurance policy provided to owners of office, retail, industrial and other tenant occupied commercial buildings.  These policies are designed to cover the exposures faced by a landlord including fire, vandalism and other damage to the buildings and premises liability claims. Owning a commercial… Read more »

Looking for Nevada auto dealer insurance? Call us first!

| Business Insurance, Uncategorized.

Looking for Nevada auto dealer insurance? You’ve come to the right place! Since 1998, the insurance professionals at Safeguard Insurance have provided affordable auto dealer insurance in Nevada. Auto dealers required very specialized insurance coverage that meets specific DMV requirements and also protects the dealer from potential losses related to the operation of vehicles.  If… Read more »

Understanding the Certificate of Insurance

| Additional Insured, Business Insurance, Contractor insurance, General Liability Insurance, Insurance education, Workers Compensation Insurance.

Business insurance policyholders are commonly asked to provide a certificate of insurance to a 3rd party. Typical requestors include a landlord, finance or leasing company, government entity, or as part of a construction agreement. While commonly requested, the purpose of insurance certificates is often a mystery to policyholders. What is a certificate of insurance? A… Read more »

Affordable Bar & Tavern Insurance

| Business Insurance.

Nevada’s business friendly environment and favorable liquor liability law make it a great place to own and operate a bar or tavern.   Along with a good location and a great business plan, consider buying the best bar & tavern insurance available.  At Safeguard Insurance, we are experts at providing bar & tavern owners with comprehensive insurance at surprisingly affordable rates…. Read more »

We Understand Restaurant Insurance

| Business Insurance.

Let’s not mince words – the restaurant business is tough.  Studies show that up to 80% of all new restaurants fail in the first 5 years.  There are many reasons why including poor location, complicated menu and customer service.   A poorly designed restaurant insurance policy can also leave a restaurant owner exposed to unnecessary risk and uncovered losses.  At… Read more »