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 »

Nevada Liquor Liability Laws

| Business Insurance, Liquor Liability Insurance.

Nevada is one of just a few States that protect servers of alcoholic beverages from civil liability.  Courts in Nevada have ruled that consumption of liquor, not the serving of liquor, is the proximate cause of alcohol-related damages. NRS 41.1305 reads as follows:     NRS 41.1305  Liability of person who serves, sells or furnishes alcoholic beverages for… Read more »

Coverage Parts of an Auto Insurance Policy

| Auto insurance, Risk Management.

At Safeguard Insurance, we think it is critically important for our customers to understand what coverage is provided by their insurance policies before a claim occurs.   That is especially true of an auto insurance policy, which has many coverage parts and optional endorsements.   Let’s examine the various parts an auto insurance policy, in… Read more »

Your Small Business Needs Cyber Liability Insurance

| Business Insurance, Data Breach, Uncategorized.

Do you think data breaches only happen to large companies?  Think again.   The headlines are filled with stories of huge data breaches affecting thousands of people.   But the often untold stories are the hundreds of small businesses that suffer a data breach every year.  The truth is, your small business needs cyber liability… Read more »

When is Nevada commercial auto insurance the right choice?

| Business Insurance, Commercial Auto Insurance.

Nearly two years ago Safeguard Insurance posted a blog article entitled “When is commercial auto insurance not the right choice?”  It was written in response to inquiries from several agency customers that thought a commercial auto insurance policy would provide better coverage and better pricing.  The article outlined the reasons why moving a personal use auto… 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 »

Buy auto insurance locally and save!

| Auto insurance.

We are an Independent Insurance agency, which means we are not employed by any one insurance company.  Instead, we represent many Nevada auto insurance providers including Safeco, Hartford, Travelers, Nationwide, Acuity, National General, MetLife and Progressive.   In about 10 minutes, you can visit our auto insurance page and run a comparative quote with up to 12… 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 »

Auto Insurance Savings – A New Years Resolution

| Auto insurance, Condominium Insurance, Renters Insurance.

The New Year is nearly upon us and that means time for reflection and resolutions.  Might we suggest a New Years Resolution that will have a real impact on your wallet:   find auto insurance savings by calling Safeguard Insurance today.   As an Independent Agent, we provide consumers with real choice.   We work with… Read more »

Small Business Needs Cyber Liability Coverage

| Business Insurance, Data Breach, Technology Insurance.

Cyber threats are very real and very scary. Sony Entertainment is the latest victim of a large-scale cyber attack. This cyber attack might be the largest in US history and will cost Sony millions in lost revenue and litigation.  Fortunately, Sony was wise enough to purchase a $60M cyber liability and data breach insurance policy…. Read more »