Nevada Road Trip Destinations

| Uncategorized.

Nevada is a state filled with rugged, beautiful terrain, interesting towns, and fascinating history. From the Mohave desert in the south to the vast plains and mountains of the north, you will not find more variety of scenery anywhere else. We’ve compiled our staff’s favorite Nevada road trip destinations and hope it will inspire you to… Read more »

Nevada DMV Fines

| Auto insurance.

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 »

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 »

Workers Compensation Policy Audits

| Workers Compensation Insurance.

No one likes the word “audit”. Even when it relates to an insurance policy instead of the IRS, an audit is not an enjoyable experience. Not every type of business insurance policy is auditable and not every insurance company performs audits consistently. However, workers compensation insurance will be audited every year almost without exception.  Here… Read more »

Insurance for Nevada Law Firms

| Business Insurance, Data Breach, Professional Liability.

Whether you operate as a sole practitioner or a large firm with many attorneys, law firms have unique insurance needs. At Safeguard Insurance, we have been providing coverage for Nevada law firms since 1998. We have the experience to provide the coverage your law firm requires, and the markets to make sure you have the best… 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 »

Commercial Auto Insurance Coverage Symbols

| Auto insurance, Business Insurance, Commercial Auto Insurance.

Commercial auto insurance coverage symbols can be confusing, especially when the explanation of those symbols is buried deep in the policy verbiage.   Many business owners assume that a commercial auto policy offers coverage that is broader than a personal auto policy. Unfortunately, this is generally not the case. By using coverage symbols (which are… Read more »

The History of Workers Compensation in Nevada

| Agency Customers, Business Insurance, Workers Compensation Insurance.

One of the first widespread social insurance programs developed in the United States was workers compensation. Workers compensation is specialized insurance coverage purchased by employers to provide for medical care, rehabilitation expenses and indemnity payments (disability) for employees that are injured in the course of employment. The first workers compensation laws were developed by Maryland,… 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 »