tag:blogger.com,1999:blog-10641409679070550712024-03-12T21:54:47.734-07:00DMA InsuranceAnonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.comBlogger29125tag:blogger.com,1999:blog-1064140967907055071.post-37317330872654752992015-12-23T16:02:00.002-08:002015-12-23T16:02:07.298-08:00Wishing You A Happy Holidays and A Fantastic New Year !!!!<center><iframe width="420" height="315" src="https://www.youtube.com/embed/9G3AkgxzrJs" frameborder="0" allowfullscreen></iframe></center>Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0tag:blogger.com,1999:blog-1064140967907055071.post-22373349113653156912015-11-24T16:38:00.000-08:002015-11-24T16:38:23.530-08:00DMA Insurance Wishes You A Happy Thanksgiving !!<center><iframe width="480" height="360" src="https://www.youtube.com/embed/rFMaHJgm5Oc?rel=0" frameborder="0" allowfullscreen></iframe></center>Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Mukilteo, WA, USA47.9445396 -122.3045814999999847.8593976 -122.46594299999998 48.029681599999996 -122.14321999999999tag:blogger.com,1999:blog-1064140967907055071.post-42406108685060063382015-09-29T19:55:00.002-07:002015-09-29T19:55:46.019-07:00Top Tips To Understand General Insurance<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-lTzaHKTFf94/VgtOoI7kAlI/AAAAAAAAAKM/fgXwKnB8zSo/s1600/fire-1316102.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="267" src="http://3.bp.blogspot.com/-lTzaHKTFf94/VgtOoI7kAlI/AAAAAAAAAKM/fgXwKnB8zSo/s400/fire-1316102.jpg" width="400" /></a></div>
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You are interested in learning more about insurance. With so much information available on the Internet, it is hard to narrow down what is legitimate and what is trash. In this article we will provide you with high quality tips and tricks that may just work for you.</div>
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Do some research into the financial stability of the insurance carriers you are considering for policy purchase. One of the basic premises of insurance is that you are protected in the event of a claim in exchange for regular premium payments. When you need help, reviewing a company's financial record helps you ensure you choose a stable company that will be there.</div>
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Small business owners need to insure more than just the building in which they operate. They also need to insure any special tools or equipment used in the conduct of their business. A business owner's equipment and tools are considered personal property and are not normally included in the coverage provision of most business liability policies. They must be protected against loss, damage or theft, with a separate policy.</div>
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When selecting a company that sells travel insurance, always go with a third-party company. While many airlines and cruises sell travel insurance, it is most likely designed to protect the company offering the trip, not the consumer. Travel insurance is a great investment, but only if it works for you.</div>
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To save money on your insurance, you should review all of your policies at least once per year. Talking to your agent about any changes that have happened is a good way to stay up to date in your coverage. Let your agent know about things you have added and things you don't have any more.</div>
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A bare bones insurance plan won't save you money, if you think you'll need to use it regularly. Write down what you'll need to use your insurance for, and then look for the company with the best rates that meets those needs.</div>
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Do not make it a habit to file claims for things that are so small that they may be seen as frivolous. Too many insurance claims in a small period of time sends red flags to your insurance company. This may lead to them canceling your policy, and you having a hard time trying to obtain insurance in the future.</div>
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Before jumping to a new insurance company, weigh the potential benefits carefully and remember that insurance companies do appreciate customer loyalty. , if you have a long-standing relationship with your insurer you will find them easier to deal with and more inclined to treat you favorably.. These are not benefits to be tossed aside lightly for marginal savings on your premiums.</div>
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In summary, there is a lot of information on the Internet to sort through and determine what is legitimate. Hopefully you not only found this resource useful but you learned something new about insurance. With the tips that we provided and some self motivation, you should not be far off from being an expert.</div>
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When selecting a company that sells travel insurance, always go with a third-party company. While many airlines and cruises sell travel insurance, it is most likely designed to protect the company offering the trip, not the consumer. Write down what you'll need to use your insurance for, and then look for the company with the best rates that meets those needs.</div>
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Too many insurance claims in a small period of time sends red flags to your insurance company. Before jumping to a new insurance company, weigh the potential benefits carefully and remember that insurance companies do appreciate customer loyalty.</div>
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<a href="http://www.dmainsurance.com/">Http://www.DMAInsurance.com</a></div>
Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Seattle, WA, USA47.6062095 -122.332070847.2636815 -122.9775178 47.9487375 -121.68662379999999tag:blogger.com,1999:blog-1064140967907055071.post-45814087862745569872015-08-31T18:00:00.000-07:002015-08-31T18:01:12.949-07:00Business Insurance Basics<div class="separator" style="clear: both; text-align: center;">
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Insurance companies are in business to make a profit. We, the customers with insurance policies, pay a premium for the peace of mind that if something bad should ever happen, the insurance company will compensate us for the losses and we won't loose the items were insuring.<br />
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So obviously 'business insurance' is a policy which is intended to serve the needs of a business rather than the needs of an individual. In general this type of policy protects a business from monetary losses due to just about any type of catastrophe you can imagine, fire, theft, vandalism and even business loss insurance can protect a business should they lose or have a bad quarter money for a short period of time. Business insurance can also help stabilize your business by establishing better credit relations and provide a retirement plan for your employees.<br />
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Needs of Business Insurance:<br />
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Whether it is a large corporation or a small enterprise, the success of a business always depends largely on the hard work and ingenuity of its employees. A single disaster can eliminate all the profits, wipe out a business and leave many hard working employees on the street. The only key to make sure that all the money and effort that have been invested in a business is completely secure in case of any tragedy to the business is to protect the business with an appropriate insurance policy.<br />
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There are mainly five ways to save big bucks on a business insurance policy and they are as follows:<br />
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1. Shop around: Now a days it is very easy in getting the names of companies or brokers who specialize in business insurance and comparing prices online before purchasing, this alone can save you truck loads off your monthly premiums over the next few years.<br />
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2. Choosing a higher deductible: By choosing a higher deductible you the customer pay less for the policy. As an additional side note here, this also works for home and auto insurance and can save you thousands over the next few years as long as you know that if you need to make a claim it will be a higher fee.<br />
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3. Purchasing a package policy: It is sometimes cheaper to purchase a package policy rather than individual coverage and this can be ideal for medium and small sized businesses.<br />
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4. Work closely with the insurance agent: By working closely with your insurance agent you'll get valuable advice to protect your business from unexpected disasters.<br />
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5. Follow the Insurer's recommendations: By following your insurer's recommendations and guidelines you will be able to reduce your premiums. Because the insurer thinks you are less likely to make a claim, basically this is.<br />
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Benefits of Business Insurance:<br />
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Not usually manditory, most businesses have a certain kind of insurance whether they are a for-profit or nonprofit company. That is why business insurance is very essential for every companies as business risks increase year by year.<br />
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Countless hours from talented staff are spent in developing your business. It is very important to plan to secure your business from a lawsuit, natural disaster strike or some other crisis. And thus we find the actual need of business insurance.<br />
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Obviously 'business insurance' is a policy which is intended to serve the needs of a business rather than the needs of an individual. In general this type of policy protects a business from monetary losses due to just about any type of catastrophe you can imagine, fire, theft, vandalism and even business loss insurance can protect a business should they have a bad quarter or lose money for a short period of time. Business insurance can also help stabilize your business by establishing better credit relations and provide a retirement plan for your employees.<br />
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The only key to make sure that all the money and effort that have been invested in a business is completely secure in case of any tragedy to the business is to protect the business with an appropriate insurance policy.<br />
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That is why business insurance is very essential for every companies as business risks increase year by year.Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Seattle, WA, USA47.6062095 -122.332070847.2636815 -122.9775178 47.9487375 -121.68662379999999tag:blogger.com,1999:blog-1064140967907055071.post-81405379146605241822015-07-03T12:12:00.002-07:002015-07-03T12:12:37.493-07:00Happy 4th of July from Degginger McIntosh and Associates<div style="text-align: center;">
<b><span style="color: red; font-family: Arial, Helvetica, sans-serif; font-size: x-large;">Happy 4th of July from Degginger McIntosh and Associates !!</span></b></div>
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Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Seattle, WA, USA47.6062095 -122.332070847.2636815 -122.9775178 47.9487375 -121.68662379999999tag:blogger.com,1999:blog-1064140967907055071.post-82628035495841151922015-06-19T14:38:00.000-07:002015-06-19T14:38:10.768-07:00Fire In London Shows The Importance Of Business Insurance<span style="font-family: Arial, Helvetica, sans-serif;">The reason I thought this was such a good article is it is a great example of just how important it is for businesses of all types to have the right kind of business insurance and all of the different types of insurance that a business can use to protect itself. </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;">It covers insurance types from covering the contents of your business to covering the costs your business encounters from the interruption of you woking your business.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;">Three businesses were closed down in the City of London yesterday as fire rampaged through a five storey building. Many more were affected by the fall-out as fire fighters cordoned off the surrounding streets preventing many workers from getting to their offices.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Sosho, a popular city nightclub; The East Rooms, a private members bar and restaurant; and The Prophet pub and restaurant were all severely damaged in the fire which is likely to have caused millions of pounds in damage.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">It was fortunate that no-one was hurt as the fire occurred after all the venues had closed for the night, however the incident shows in graphic detail why it is important to have the proper levels of <a href="http://www.simplybusiness.co.uk/insurance/" style="text-decoration: none;">business insurance</a> cover.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Here, Simply Business explains the types of cover which those businesses would ideally have to protect them in this situation.</span></div>
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<a href="http://www.simplybusiness.co.uk/insurance/business-buildings/" title="Buildings insurance cover"><span style="color: black; font-family: Arial, Helvetica, sans-serif;">Buildings insurance cover</span></a></h2>
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<span style="font-family: Arial, Helvetica, sans-serif;">The fire started in one building but as it was a terrace, it inevitably spread. Someone has to pay for the cost of rebuilding, or at least to have the building made safe while its fate is determined. Buildings insurance like <a href="http://www.simplybusiness.co.uk/insurance/office-premises/" style="text-decoration: none;">office insurance</a> should cover this cost for the businesses involved.</span></div>
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<a href="http://www.simplybusiness.co.uk/insurance/stock-cover/" title="Contents of the buildings"><span style="color: black; font-family: Arial, Helvetica, sans-serif;">Contents of the buildings</span></a></h2>
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<span style="font-family: Arial, Helvetica, sans-serif;">Restaurants and bars often need a combination of insurance covers to protect the various types of contents they have. [Business contents][/insurance/business-buildings/] cover for office equipment, fixtures and fittings cover for the interior and <a href="http://www.simplybusiness.co.uk/insurance/stock-cover/" style="text-decoration: none;">stock cover</a> for the beer, wine and food destroyed in the fire.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Surrounding shops may also need to claim on their insurance, for example retailers who will have been affected by the thick smoke that permeated the buildings in the surrounding streets. Marks and Spencer, Gap and many more fashion stores may have stock that smells of smoke which they cannot sell.</span></div>
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<a href="http://www.simplybusiness.co.uk/insurance/covers/" title="Business interruption cover"><span style="color: black; font-family: Arial, Helvetica, sans-serif;">Business interruption cover</span></a></h2>
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<span style="font-family: Arial, Helvetica, sans-serif;">None of the businesses damaged by the fire will be able to operate for the foreseeable future. If they have a level of business interruption cover they will at least have a some income while they are out of action. Other businesses affected by the fire – for example office based businesses evacuated while the building is made safe – could also benefit from this cover.</span></div>
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<a href="http://www.simplybusiness.co.uk/insurance/public-liability/" title="Public liability insurance"><span style="color: black; font-family: Arial, Helvetica, sans-serif;">Public liability insurance</span></a></h2>
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<span style="font-family: Arial, Helvetica, sans-serif;">Luckily no-body was hurt as a result of the blaze but it could easily have been different. The club could have been full of customers, or if the fire had spread to nearby residences other people could have been hurt. There are also issues with the safety of the building – if a wall collapsed, for example, it could hurt passers by.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">However, <a href="http://www.simplybusiness.co.uk/insurance/public-liability/" style="text-decoration: none;">public liability insurance</a> may come into play if any of the nearby residences have had their property damaged because of the fire. Even if the fire itself has not caused damage, the water from the fire services attempts to prevent the fire spreading will surely have caused some damage.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">A Simply Business spokesperson said: “This fire has devastated several businesses which our staff regularly visit and our sympathies go out to the business owners and employees. In general, people are understandably not overly enthusiastic about paying for insurance but it’s at times like this that we are all reminded of how important business insurance actually is.”</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Article from <a href="http://www.simplybusiness.co.uk/knowledge/articles/2010/03/2010-03-12-london-city-fire-highlights-importance-of-business-insurance/" target="_blank">Simply Business</a></span></div>
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Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Seattle, WA, USA47.6062095 -122.332070847.2636815 -122.9775178 47.9487375 -121.68662379999999tag:blogger.com,1999:blog-1064140967907055071.post-83363892150925308742015-05-28T16:33:00.000-07:002015-06-09T16:33:40.562-07:00Why Is Business Insurance Important?<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-FBzFjtuN__k/VXd3a3epKjI/AAAAAAAAAIk/FkTBjKm7fNc/s1600/1362248_32612682.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="219" src="http://2.bp.blogspot.com/-FBzFjtuN__k/VXd3a3epKjI/AAAAAAAAAIk/FkTBjKm7fNc/s320/1362248_32612682.jpg" width="320" /></a></div>
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Personal liability is when a business owner or owners can be held personally responsible for injuries or damages that occur on the business property or during the course of normal business operations. There are business insurance policies that can help protect an owner against such claims.<br />
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Business insurance can be a complex subject, with many internal variables that need to be examined before a wise decision can be made. For this reason, anyone considering business insurance should first seek the advice of a reputable broker or agent. This article will detail a few of the many variables that business insurance may contain.<br />
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The types of business insurance and the levels of coverage are often determined by the type of business itself, but it can also be influenced by lenders who hold portions of the business as security against loans that may have been made to the business in the past. Lenders who have financed expensive machinery or other types of equipment will often want the business owner to have some form of insurance on the machinery. This use of insurance helps to protect the lender as well as the business owner should loss occur to the insured item.<br />
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Business insurance is considered an expense, it is often a tax deductible expense. Anyone who is thinking of starting a new business or buying an existing business should invest the time needed to research the types of insurance they will need for that business.<br />
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As with most insurance types, business insurance is used to protect the business and the business owner should unforeseen events happen to the business. The trick is to make sure that your business is covered for those events that are most likely to happen and to never find yourself unprotected, which might lead to the financial collapse of the business.<br />
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At the very minimum you want to make sure that your personal liability is covered by some form of business insurance. Ignoring this may cost you everything that you have worked for and earned.<br />
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<a href="http://dmainsurance.com/" target="_blank">Degginger. McIntosh and Associates</a></div>
Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Seattle, WA, USA47.6062095 -122.332070847.2636815 -122.9775178 47.9487375 -121.68662379999999tag:blogger.com,1999:blog-1064140967907055071.post-10144652831667724892015-05-07T15:41:00.002-07:002015-05-07T15:41:28.996-07:00More than 30,000 policies removed from Citizens Insurance<div class="separator" style="clear: both; text-align: center;">
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<b>There has never been a time when it is more important to be working with an insurance broker like Degginer McIntosh and Associates Insurance that has your interests in mind and has a variety of insurance companies that they have access too. You can see that from this article that discusses the fact that Citizens insurance is letting tens of thousands of their insureds go.</b><br />
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More than 30,000 insurance policies have been approved to move from Citizens Property Insurance to private insurers, bringing the total number of policies approved for being shifted out to 632,286.</div>
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The policies will be shifted to Heritage Property & Casualty Insurance Company, which can take up to 20,000 personal residential policies and 50 commercial residential properties, and Southern Oak Insurance Company, approved to take up to 10,000 personal residential policies, according to a news release.</div>
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About 110,529 policies have actually been removed this year so far.</div>
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The newest set of policies removed from Citizens is part of a larger statewide effort to transition those policies to the private sector.</div>
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Citizens dates back to 2002, when it was created by the legislature, and, though intended as a insurer of "last resort," it experienced an influx of policies, peaking at almost 1.5 million in 2012.</div>
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The strategy for diminishing the policies became "takeouts", which involve transferring the least risky policies. In March, Citizens hit its lowest number ever, and it's expected to shrink even more, <a href="http://pubads.g.doubleclick.net/pagead/adview?ai=B-IqWqOZLVcL6LI-OlALS9oHQD7npnP8GAAAAEAEgqZbaHzgAWNmgg4SSAmDJtreN9KTQGbIBE3d3dy5iaXpqb3VybmFscy5jb226AQlnZnBfaW1hZ2XIAQnaAWxodHRwOi8vd3d3LmJpempvdXJuYWxzLmNvbS9qYWNrc29udmlsbGUvbmV3cy8yMDE1LzA1LzA3L21vcmUtdGhhbi0zMC0wMDAtcG9saWNpZXMtcmVtb3ZlZC1mcm9tLWNpdGl6ZW5zLmh0bWyYAuqMAsACAuACAOoCGi80NjM1L2J6ai5qYWNrc29udmlsbGUvb29w-AKE0h6QA6wCmAPgA6gDAeAEAZIFCwgHEAEYByCh274ZkAYBoAYg2AcA&sigh=bPBBN7YcQLc&cid=5Gi7v6J1QUJ4US8i7ViVUqC7&adurl=http://pagead2.googlesyndication.com/pagead/imgad?id=CICAgKDT1J-ncBABGAEyCHXM683PbmHl%26t%3D10%26cT%3Dhttp%253A//bizjournals.com%26l%3Dhttp%253A//www.bizjournals.com/jacksonville/blog/morning-edition/2015/03/citizens-insurance-shrinks-to-smallest-size-ever.html" style="color: #334e91; padding-right: 0px; text-decoration: none;">potentially bottoming out at 450,000.</a></div>
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The policies have a takeout period of July 21 for personal residential and July 14 for commercial residential property.</div>
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<span style="color: black; font-family: Times; font-size: small; line-height: normal;"><b>Contact Degginer McIntosh and Associates Insurance for your business and or personal insurance program.</b></span></div>
Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Seattle, WA, USA47.6062095 -122.332070847.2636815 -122.9775178 47.9487375 -121.68662379999999tag:blogger.com,1999:blog-1064140967907055071.post-50911075005843042912015-03-24T19:59:00.001-07:002015-03-24T19:59:06.847-07:00Seattle Family and Business Insurance Services<center><iframe width="560" height="315" src="https://www.youtube.com/embed/uNdLgE_xuuI?rel=0&controls=0&showinfo=0" frameborder="0" allowfullscreen></iframe></center>Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Seattle, WA, USA47.6062095 -122.332070847.2636815 -122.9775178 47.9487375 -121.68662379999999tag:blogger.com,1999:blog-1064140967907055071.post-28882715353074708602015-03-23T04:08:00.000-07:002015-03-23T04:08:00.514-07:00The Advantages of Having Quality Family Insurance<div style="text-align: center;">
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Having family life insurance is one of the responsibilities to observe especially when you are starting a family. This is a protection that ensures each member of the family.There are different insurance types with different coverage and policies such as medical necessities and expenses and even funeral costs. One of the must-dos its to examine the family insurance quote offered by several insurance companies to gain quality seattle <a href="http://seattleinsurancequotes.blogspot.com/" target="_blank">family insurance</a>.</div>
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<a href="https://encrypted-tbn1.gstatic.com/images?q=tbn:ANd9GcSDGjV53AIxpNxZcRx42-hmHeMbH_jMenc8M687RF2MOB9QdzEe" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://encrypted-tbn1.gstatic.com/images?q=tbn:ANd9GcSDGjV53AIxpNxZcRx42-hmHeMbH_jMenc8M687RF2MOB9QdzEe" /></a>When your family has insurance, this will prepare you for any sort of mishap that would or might happen in the days to come. This helps you and your family to manage better when there are unexpected events that will need expenses such as medical ones or even in the event of an untimely death or even ensuring the future for your kids. You will need to pay for securing the family that you have and the insurer you’ve chosen will take the responsibility of accepting the premium. You can check the websites of insurance companies to widen your options on finding the best insurance coverage for your family. You will also get to make comparisons with varying insurance plans as well as choosing a preferred premium. Be smart, gain quotes from different insurance agencies to have the best deals in the family life insurance. But how do you get the best quote for your family? Aside from researching, be it from various insurance companies’ websites, you can also contact with insurance brokers.one sign of a good insurance company is when they utilize simple and comprehensive terminology for explaining policies and regulations about family life insurance. You should be totally aware about the coverage of insurance as well as the benefits that you’re getting when you plan on signing that particular insurance contract. </div>
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It is a good step to get yourself an insurance broker or agent to assist you in achieving a good quote for your family insurance. Your insurance broker will also shed light on all details regarding insurance basics such as terms and conditions, policies and benefits. Therefore it is important to find an insurance broker that is willing to set time according to your schedule since constant communication is vital here. They make all the process and paperwork related to family insurance less tedious and less complicated because they will help you with a lot of things like filling out forms, having your whole family undergo medical examinations and etc. But first, find a good quality seattle family insurance.</div>
Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0tag:blogger.com,1999:blog-1064140967907055071.post-58245828905137143722015-03-22T03:57:00.000-07:002015-03-22T03:57:00.307-07:00The Best Quality Insurance Provider in Seattle<div style="text-align: center;">
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These times are hectic, People have their own ways in doing things in their own and they see their ways as the best way to solve the problem. This is because people have their own way of doing things, people have their own perspectives to what will happen and what happen in our daily lives. People have many different ways in doing things that is why Insurance is there to help you in any form of calamity or disaster. People live their ordinary lives everyday not knowing what might happen. This is why you must acquire the services of the best seattle <a href="http://eastsidemortgage.wordpress.com/" target="_blank">insurance provider</a>. This is because insurance is all about getting ready on life. If you are ready and would know what to do if something bad happens then you can live life with no worries. When we talk about Insurance, we do not only discuss life insurance but also auto insurance etc. Insurance does not focus only in human life but also auto insurance and family insurance. Auto insurance is for your mobile car. A good example to what auto insurance is used is when you are involved in a car accident and you are the one who is responsible for the damages and the injury the accident caused. Because of this you must pay the damages and the bills you have caused. If you have an auto insurance then the insurance you have paid monthly will help you greatly with those bills.</div>
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width="400" /></a></div>
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<div style="text-align: justify;">
So if you are interested in acquiring the services of the best quality insurance provider in seattle then you must go to Dmain insurance where you can get the best insurance services in seattle. Dmain is the best insurance provider in the city of seattle because of the years or the experience it has served its clients with the best quality insurance. Dmain is the number one when it comes to providing insurance. They would establish a great relationship between the company and the insurer. </div>
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The best seattle insurance provider would know what is best of its clients. They would prioritize the needs and the wants of the customers and clients to assure the satisfaction of the clients and the customers. Degginger Mclntosh and Associates has been in the insurance industry for fifty years. In those fifty years, they have never failed in satisfying customers with their insurance services. They are consistent and credible in making customers satisfied. They know that insurance is not exciting to you nor it should be but they give you the kind f quality service that every customer or every client deserves.</div>
Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0tag:blogger.com,1999:blog-1064140967907055071.post-40489281561420532992015-03-16T15:38:00.000-07:002015-03-16T15:38:32.767-07:00Where Did Insurance Come From?<div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-6nkIo3pitYU/VQda4rX1DVI/AAAAAAAAAHQ/l47gTetXqAA/s1600/1415242_71888966.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-6nkIo3pitYU/VQda4rX1DVI/AAAAAAAAAHQ/l47gTetXqAA/s1600/1415242_71888966.jpg" height="320" width="320" /></a></div>
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<div class="MsoNormal" style="background: white; mso-line-height-alt: 10.5pt;">
<span style="color: #333333; font-family: Verdana; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Some visitors to
Degginger McIntosh and Associates inquiring about Seattle insurance quotes also
ask "Where did insurance come from?" This is a great question because
most people simply take its existence for granted. But a look back into history
reveals an interesting evolution of the now familiar product and its journey
all the way from ancient cultures to our modern smart phones.<br />
<br />
The Origins of Insurance<br />
<br />
As early civilizations and economies developed, the idea for insurance was
born. Many merchants had their businesses ruined because of unforeseen events
like weather, civil unrest, and accidents.<br />
<br />
Around 3000 BC, Chinese merchants were growing tired of losing their valuable
trade goods in shipwrecks. They developed the idea of spreading around the risk
by evenly dividing their goods among multiple ships, so that every ship carried
a blend of cargo from more than one merchant.<br />
<br />
As a result, a shipwreck meant a small loss for all parties, rather than a
devastating one for a single merchant. The principle of "Safety in
Numbers" is still the basic principle behind insurance today, whether it
is Seattle family insurance or business liability insurance.<br />
<br />
Insurance Evolves<br />
<br />
Our story picks up in ancient Babylon. In 1790 BC, Babylonian merchants were
facing the problems that come with caravan and ship trading -- storms, pirates,
and bandits. King Hammurabi created a new form of insurance to help alleviate
these problems.<br />
<br />
Inquisitive visitors to Degginger McIntosh and Associates were further
interested to learn that King Hammurabi also invented the concept of
"bottomry", which meant merchants could finance their shipping costs
using loans. The loans were paid back with interest only when the goods arrived
safely. However, if the trade goods were lost in transit, the merchants owed
nothing.<br />
<br />
Car Insurance<br />
<br />
Those looking for Seattle insurance quotes, Seattle family insurance, and
others have also asked about the origins of car insurance.<br />
<br />
Modern car insurance began shortly after Henry Ford popularized the automobile.
Unpaved roads and newbie motorists made it a very dangerous activity. The state
of Connecticut helped mitigate this risk by making any driver who caused over
$100 in damage pay restitution.<o:p></o:p></span></div>
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Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Seattle, WA, USA47.6062095 -122.332070847.2636815 -122.9775178 47.9487375 -121.68662379999999tag:blogger.com,1999:blog-1064140967907055071.post-62977751891899094082015-02-27T13:15:00.000-08:002015-03-17T13:17:48.483-07:00Jewelry Insurance <div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-ADC3A2v4Skg/VQiL33-op1I/AAAAAAAAAHk/7TCjb12wcqg/s1600/Jewelry%2B009.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-ADC3A2v4Skg/VQiL33-op1I/AAAAAAAAAHk/7TCjb12wcqg/s1600/Jewelry%2B009.jpg" height="213" width="320" /></a></div>
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<span style="font-family: Arial; font-size: 13.5pt;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: Arial; font-size: 13.5pt;">How is my Jewelry covered by my homeowner’s
policy?<span style="color: #cc9933;"><o:p></o:p></span></span></div>
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<span style="color: #cc9933; font-family: Arial; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";"><br />
</span><b style="mso-bidi-font-weight: normal;"><span style="color: #666633; font-family: Arial; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">Did
you receive the gift of jewelry for Valentine’s Day this year?<span style="mso-spacerun: yes;"> </span>If so, do you want to fully protect it?<o:p></o:p></span></b></div>
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<span style="color: #666633; font-family: Arial; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">This is a question we are commonly asked by
our clients whether they rent an apartment, own a condo, or live in a single or
multi-family home. Generally, your home insurance policy provides
important coverage including personal property protection for your belongings
inside your dwelling. Here’s what you need to know:<o:p></o:p></span></div>
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<li class="MsoNormal" style="color: #666633; line-height: 12.0pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: Arial; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">Regarding
damage: Some perils such as fire, lightning, and smoke damage are
protected against up to the policy limit selected.<o:p></o:p></span></li>
<li class="MsoNormal" style="color: #666633; line-height: 12.0pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: Arial; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">Regarding
theft: There are special limits of coverage for items such as, silverware,
fine arts, rugs, furs, musical instruments and jewelry that is stolen or
mysteriously disappears. Some companies only provide up to $1000 or $1500
per claim.<o:p></o:p></span></li>
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<div style="line-height: 12.0pt;">
<strong><span style="color: #666633; font-family: Arial; font-size: 9.0pt;">Our recommendation:<o:p></o:p></span></strong></div>
<div style="line-height: 12.0pt;">
<span style="color: #666633; font-family: Arial; font-size: 9.0pt;">Jewelry is the most common item of concern to our clients. Even
if your jewelry does not include the Hope Diamond, the best way to ensure that
you are fully covered is to "schedule" specific pieces on your
policy. The insurance company will typically require an appraisal within the
last three years on file and will charge between $10-$15<span style="mso-spacerun: yes;"> </span>per $1000 in coverage. In the event your
engagement ring is stolen, for example, the carrier may reimburse the actual
appraised value if they can't find you an identical replacement<o:p></o:p></span></div>
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<span style="color: #666633; font-family: Arial; font-size: 9.0pt;">Imagine receiving only $1000 for a $20,000 stolen ring. We
recommend you schedule any jewelry you value to protect you against this kind
of loss. <o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Seattle, WA, USA47.6062095 -122.332070847.2636815 -122.9775178 47.9487375 -121.68662379999999tag:blogger.com,1999:blog-1064140967907055071.post-58531906619728136912015-02-02T16:44:00.000-08:002015-02-02T16:44:06.723-08:00Umbrellas…Protection when your business has a rainy day, By Mike Shumate<div class="separator" style="clear: both; text-align: center;">
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<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-MoDa4_Ek0FI/VNAZqs50TMI/AAAAAAAAAGw/-FfGVWaeXSM/s1600/88888-529-Business-TWO.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-MoDa4_Ek0FI/VNAZqs50TMI/AAAAAAAAAGw/-FfGVWaeXSM/s1600/88888-529-Business-TWO.jpg" height="180" width="320" /></a></div>
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Many people invest a few extra dollars for an umbrella to
keep them safe and protected from the elements.<span style="mso-spacerun: yes;">
</span>They help to keep you warm, dry and protect your clothing.<span style="mso-spacerun: yes;"> </span>Umbrellas are also available in insurance and
can potentially protect you from much more than the elements – they can protect
and even save your business.<span style="mso-spacerun: yes;"> </span><o:p></o:p></div>
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<span style="mso-spacerun: yes;"><br /></span></div>
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In the event a catastrophe strikes your business, Umbrellas
provide extra protection on your liability exposures such as premises hazards,
completed products and auto liability.<span style="mso-spacerun: yes;"> </span>With
respects to your business insurance, your Commercial General Liability and Auto
policies typically give you a $1 million limit for coverage.<span style="mso-spacerun: yes;"> </span>An Umbrella policy can be purchased for a
single premium, which can go over multiple liability policies, and are often
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which can cripple your business.<span style="mso-spacerun: yes;"> </span><o:p></o:p></div>
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Consider the following scenario: one of your drivers is
excessively speeding down the road and has to slam on the breaks to avoid the
sudden change in traffic ahead.<span style="mso-spacerun: yes;"> </span>The
tires skid on the wet pavement and the truck slams into the back of stopped
traffic and causes a multi-car accident.<span style="mso-spacerun: yes;">
</span>A car with a mother and three kids are critically injured and rushed to
the hospital where they incur multiple surgeries and long term rehab.<span style="mso-spacerun: yes;"> </span>The total cost of all bodily injury and
property damage from the accident is $1.7 million.<span style="mso-spacerun: yes;"> </span>If you only have $1 million you will face the
daunting reality of having to cover payments out of pocket or even watch the
doors of your business close.<span style="mso-spacerun: yes;"> </span>If an
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extra protection outweighs the cost of purchasing an Umbrella.<span style="mso-spacerun: yes;"> </span><o:p></o:p></div>
Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Seattle, WA, USA47.6062095 -122.332070847.2636815 -122.9775178 47.9487375 -121.68662379999999tag:blogger.com,1999:blog-1064140967907055071.post-60082349067351658362015-01-05T15:12:00.000-08:002015-01-09T15:12:55.695-08:00The Importance of Employment Practices Liability In Today’s Work Place. By, Ginger Carlson, ACSR<div class="MsoNormal">
Employment practices liability covers unseen exposures that
occur within the workplace between employees an third parties. In recent years
the need for coverage has become more apparant due to the lawsuits being
brought against businesses and their officers, directors, employees or
managers.<span style="mso-spacerun: yes;"> </span>An EPLI policy generally
covers the below listed areas:<o:p></o:p></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Sexual Harrasement<o:p></o:p></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Wrongful Termination<o:p></o:p></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Age and Gender Discrimination<o:p></o:p></div>
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<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Emotional Distress and Mental Anguish<o:p></o:p></div>
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<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Failure to Promote<o:p></o:p></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Race Discrimination<o:p></o:p></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";">
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<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Invasion of Privacy<o:p></o:p></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">9.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Defamation of Character<o:p></o:p></div>
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Unfortunately statistics show that most business’s do not
purchase this relatively inexpensive coverage until claim has occurred. The
defense costs alone, even in a frivilous claim, can be in excess of $10,000 dollars
that an insured would have to pay out of pocket if a policy wasn’t in
place.<span style="mso-spacerun: yes;"> </span>I know some of you may be
thinking “oh my employees would never bring an accusation against us”, but let
me provide an example where if a policy was in place, an insurance company
would have paid out on the claim.<o:p></o:p></div>
<div class="MsoNormal">
An office worker filed a claim for sexual harrasement and
hostile work enviroment that caused her mental anguish, why, because according
to her she was being discrimated against by her boss. This was all because he
supposedly flirted with other women in the office she worked at, but he never
approached her!<span style="mso-spacerun: yes;"> </span>In this case,
discrimination was found, and the employer had to pay out of pocket as he
didn’t have a policy in place.<o:p></o:p></div>
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Wage and Hour suits as well as Wrongful Termination are two
other claim scenarios where EPLI coverage is readily needed.<span style="mso-spacerun: yes;"> </span>In the State of Washington, <span style="mso-spacerun: yes;"> </span>the law provides employers with at will discretion
related to firings. Problem is, too many employers are firing individuals for cause
and putting it in writing. This opens the door for an ex employee to pull their
personnel file and if the company handbook was not followed exactly, they would
have a persuable case.<span style="mso-spacerun: yes;"> </span>As for Wage and
Hour claims, they typically arise where an ex-employee claims that they worked
more hours then they were compensated for. Now that they are no longer employed
they want the company to not only compensate them for the time but overtime as
well. <o:p></o:p></div>
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As you can see, suits can be brought for a broad number of
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Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Seattle, WA, USA47.6062095 -122.332070847.2636815 -122.9775178 47.9487375 -121.68662379999999tag:blogger.com,1999:blog-1064140967907055071.post-88088362679637479152014-12-29T18:51:00.000-08:002014-12-29T18:51:00.335-08:00The Advantages of Having Quality Family Insurance<div style="text-align: justify;">
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Having family life insurance is one of the responsibilities to observe especially when you are starting a family. This is a protection that ensures each member of the family.There are different insurance types with different coverage and policies such as medical necessities and expenses and even funeral costs. One of the must-dos its to examine the family insurance quote offered by several insurance companies to gain quality seattle <a href="http://seattleinsurancequotes.blogspot.com/">family insurance</a>.</div>
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<a href="http://www.autoinsuranceaxis.com/images/family2.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="http://www.autoinsuranceaxis.com/images/family2.jpg" height="142" width="200" /></a>When your family has insurance, this will prepare you for any sort of mishap that would or might happen in the days to come. This helps you and your family to manage better when there are unexpected events that will need expenses such as medical ones or even in the event of an untimely death or even ensuring the future for your kids. You will need to pay for securing the family that you have and the insurer you’ve chosen will take the responsibility of accepting the premium. You can check the websites of insurance companies to widen your options on finding the best insurance coverage for your family. You will also get to make comparisons with varying insurance plans as well as choosing a preferred premium. Be smart, gain quotes from different insurance agencies to have the best deals in the family life insurance. But how do you get the best quote for your family? Aside from researching, be it from various insurance companies’ websites, you can also contact with insurance brokers.one sign of a good insurance company is when they utilize simple and comprehensive terminology for explaining policies and regulations about family life insurance. You should be totally aware about the coverage of insurance as well as the benefits that you’re getting when you plan on signing that particular insurance contract. </div>
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It is a good step to get yourself an insurance broker or agent to assist you in achieving a good quote for your family insurance. Your insurance broker will also shed light on all details regarding insurance basics such as terms and conditions, policies and benefits. Therefore it is important to find an insurance broker that is willing to set time according to your schedule since constant communication is vital here. They make all the process and paperwork related to family insurance less tedious and less complicated because they will help you with a lot of things like filling out forms, having your whole family undergo medical examinations and etc. But first, find a good quality seattle family insurance.</div>
Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0tag:blogger.com,1999:blog-1064140967907055071.post-22893820586369092272014-12-19T18:49:00.000-08:002014-12-19T18:49:00.085-08:00Getting Yourself a Life Insurance Quote<div style="text-align: justify;">
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Good comprehension should be there when you’re planning to have a life insurance. This includes knowing well on the coverage and policies that this insurance pertains and what it does for you, your family and your business depending on the type of insurance that you’re choosing. When you’re in Seattle, it is important to take an eye for top seattle <a href="http://seattleinsuranceconsultants.wordpress.com/">insurance quotes</a>.</div>
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<a href="http://u.b5z.net/zirw/1401507940816/i/u/10163731/i/Untitled.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="http://u.b5z.net/zirw/1401507940816/i/u/10163731/i/Untitled.jpg" height="200" width="200" /></a>Now you might be wondering as to what might be the essence of having to examine insurance quotes. Insurance quotes are actually your basis as to how much insurance you can afford for. These things will be considered: the type of insurance, what benefits are you needing, the amount of insurance and whether it is going to be term life or whole life. These are important considerations to help you achieve the best insurance quote that is there. One of the first things that you should do is to get a trustworthy insurance agent especially when you are not that knowledgeable or not that of an expert in this field. Insurance agents will first assess your current situation might as well your financial situation. Insurance agents will also provide you the best options available along with assistance and advices for a great insurance coverage. When you already are aware of the insurance type you need, then you can get a great life insurance quote. There are many things to consider before searching a life insurance quote. These are being aware of your own income, knowing your net worth, setting your financial goals, gauging your financial abilities , checking your health status and medical conditions, number of children sent for schooling, and etc. These are one of the things to be asked about when getting yourself a life insurance quote. </div>
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Along with looking for the best type of insurance coverage, you could know more about how this insurance works with your current financial status. These are important things to get yourself top seattle insurance quotes. This is important to gauge and comprehend it such insurance with these policies and benefits would work for you, check if these would adequately protect your family when you are no longer there or it covers some risks and etc. It is also important to get yourself up to date with latest insurance quotes especially when certain major life changes happen in your life such as marriage, moving up and etc.</div>
Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0tag:blogger.com,1999:blog-1064140967907055071.post-9080300575587287892014-12-15T21:17:00.003-08:002014-12-15T21:17:36.386-08:00Happy Holidays !!!<center><iframe width="540" height="310" src="//www.youtube.com/embed/kqtGwX3lJ48?rel=0" frameborder="0" allowfullscreen></iframe></center>Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Seattle, WA, USA47.6062095 -122.332070847.2636815 -122.9775178 47.9487375 -121.68662379999999tag:blogger.com,1999:blog-1064140967907055071.post-88796461568735159102014-12-12T15:10:00.000-08:002015-01-09T15:11:34.387-08:00What is Washington Healthplanfinder, and why do I need it? – By Heidi McAtee, AINS<div class="MsoNormal">
Washington Healthplanfinder is a new way to find health
insurance. It’s a customer-friendly, online marketplace where individuals
and families can find, compare and enroll in a health plan that fits their
needs and budget. It provides:<o:p></o:p></div>
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<br /></div>
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</span></span></span><!--[endif]-->Side-by-side comparisons of brand new health
plans<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Financial help to pay for copays and monthly
premiums<o:p></o:p></div>
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As you may have heard now is the time to start thinking
about your 2015 Insurance plans. Open enrollment started November 15<sup>th</sup>
for plans starting January 1st through March 1<sup>st</sup> 2015. Any
enrollment after these dates will need to be preceded by a qualifying
event. What justifies a qualifying event?<o:p></o:p></div>
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<br /></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Getting married<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Giving birth, adopting or placement of a child<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Permanently moving to a new area that offers
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Losing other health coverage (for example, due
to a job loss, divorce, loss of eligibility for Medicaid or CHIP, expiration of
COBRA coverage or a health plan being decertified)<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Becoming a US Citizen<o:p></o:p></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Getting out of jail<o:p></o:p></div>
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While the Healthplanfinder website is a great tool for
comparing coverage, it isn’t your only option. If you do not qualify for
a tax credit (, you do not need to purchase your plan through the website, in
fact we’d almost discourage it. The website has its benefits of comparing
coverages, paying your bill online, and easily shopping from year to
year. However, so does dealing with a broker outside of the
exchange. Most companies have an online system that allows you to review
your coverage, see where you are with regards to reaching your deductible, make
payments and request explanation of benefits letters. Dealing direct with
a broker will also help you keep track from year to year what plan you are on,
what options you have going forward. <o:p></o:p></div>
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In addition to the purchase of health care being a law, it
is important to know that you could be fined for not buying a qualified
plan. Starting in 2014, if individuals do not have health insurance, they
will have to pay a fine of $95 or 1 percent of their annual income, whichever
is greater. The fine for individuals will gradually increase to $695 or
2.5 percent of the individuals income, whichever is greater, by 2016. For
families the penalty will be $285 or 1 percent of their household income,
whichever is greater, in 2014 with the penalty increasing gradually to $2085 or
2.5 percent of their household income, whichever is greater, in 2016.<o:p></o:p></div>
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For more answers to your questions regarding your health
insurance options, please call us a 425-740-5200 or visit <a href="http://wahbexchange.org/">http://wahbexchange.org/</a> it is a great
resource for coverage basics, how to enroll, where to enroll, and who to talk
with about your potential tax credit options.<o:p></o:p></div>
Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Seattle, WA, USA47.6062095 -122.332070847.2636815 -122.9775178 47.9487375 -121.68662379999999tag:blogger.com,1999:blog-1064140967907055071.post-18854623280675006172014-12-01T13:13:00.001-08:002014-12-01T13:13:48.417-08:00A B C’s of Ordinance or Law Coverage – By Kevin Degginger<div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-lcAomSprC8c/VHzZ12zXZcI/AAAAAAAAAGE/BHqpwcatW7Q/s1600/723721_30107093.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-lcAomSprC8c/VHzZ12zXZcI/AAAAAAAAAGE/BHqpwcatW7Q/s1600/723721_30107093.jpg" height="400" width="293" /></a></div>
<div style="text-align: center;">
<br /></div>
Imagine a covered cause of loss leads to major damage to your building. Since more than 50% was damaged, local law requires the whole building to be torn down and rebuilt to current building codes. You have building coverage with replacement cost valuation on your policy, so you’re covered…..Right? Unfortunately the real answer is, It Depends.
Property policies typically have an Ordinance or Law exclusion meaning, coverage does not pick up the cost associated with upgrading a building to meet current codes and ordinances after a loss. Thus, merely having replacement cost coverage for a building doesn’t mean you have “upgrade cost.” This gap is made up by adding an “Ordinance or Law Endorsement”.
Ordinance or Law coverage is broken into three segment limits. Coverage A – typically matching the building coverage limit- this coverage covers the loss of value of the undamaged portion of the building that must be torn down due to the building code being enforced following a loss. Coverage B – is your demolition cost- paying for the cost to actually demolish and remove the remaining portion of the building left standing after a covered cause of loss. Finally, Coverage C – increased cost of construction – covers the additional cost to upgrade building to meet any changes in code since the original building was constructed.
Lastly, make sure your policy includes debris removal. Without it, you will be expected to pay the expenses associated with removing the demo’d property prior to rebuilding.
Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Seattle, WA, USA47.6062095 -122.332070847.2636815 -122.9775178 47.9487375 -121.68662379999999tag:blogger.com,1999:blog-1064140967907055071.post-47641437580585381482014-11-26T12:56:00.002-08:002014-11-26T12:58:22.980-08:00DMA Insurance Wishes You A Happy Thanksgiving<center><iframe width="560" height="315" src="//www.youtube.com/embed/lATkpUrsj70?rel=0" frameborder="0" allowfullscreen></iframe></center>Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0Seattle, WA, USA47.6062095 -122.332070847.2636815 -122.9775178 47.9487375 -121.68662379999999tag:blogger.com,1999:blog-1064140967907055071.post-64485842906624347872014-11-21T10:26:00.000-08:002014-11-21T10:26:32.771-08:00Time Element Coverage – Often Overlooked<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-bUVkoBpa-kE/VG-Df5u-JZI/AAAAAAAAAF0/eJddVEOlsOE/s1600/1415242_71888966.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="seattle insurance services" border="0" src="http://2.bp.blogspot.com/-bUVkoBpa-kE/VG-Df5u-JZI/AAAAAAAAAF0/eJddVEOlsOE/s1600/1415242_71888966.jpg" height="320" title="seattle insurance services" width="320" /></a></div>
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<span style="font-size: 14.0pt; line-height: 107%;">When a
business owner looks into purchasing property insurance, they often times do so
with the intention of insuring the value of their building, stock, personal
property or equipment. After all, that is what is asked of them when attempting
to satisfy the requirements of the banks and lending institutions that are
loaning out the funds to purchase such property. What seems to go repeatedly
unnoticed, however, is the indirect loss that can result from the destruction
of critical property, such as loss of profit.<span style="mso-spacerun: yes;">
</span><o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">For example,
a business who manufacturers and produces noncritical airplane parts buys a new
facility in Everett, WA that will allow them to accept new orders, maximize
production, and ultimately increase revenue. The bank requires them to hold
property insurance on the value of the building to insure they will be covered in
case of loss. With that, the business owners take out a policy that includes
building coverage and some coverage for the equipment that is being used in the
manufacturing process. A couple months later, the building catches fire and
burns to the ground. Although there would be coverage for the value of the
building, there would be nothing in place to keep the business in operation, keep
key employees, provide protection for reduced sales, and help restore the
insured to their original position. This is where business income coverage
comes in to play.<o:p></o:p></span></div>
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<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">The purpose
of time element coverage (business income) is to protect a company’s financial
statement and provide coverage for lost profits and those expenses that are
continuing and necessary for operation. If the company referenced above had
business income coverage in place, not only would their necessary bills
continue to get paid, but the profit shown on the financial statement would be replicated
and paid out by the insurance company. Admittedly, this coverage is more pertinent
for businesses like the one described above as opposed to a contractor who
makes their money out in the field, but it is important nonetheless to be aware
of the indirect losses that can take place when a building or key piece of
equipment is damaged beyond immediate repair. <o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/12547241725941313586noreply@blogger.com0tag:blogger.com,1999:blog-1064140967907055071.post-62604309561698734212014-11-13T10:18:00.001-08:002014-11-13T10:18:48.009-08:00Cyber Liability & Network Security – Protecting what 3rd Parties Don’t.<div class="separator" style="clear: both; text-align: center;">
<a href="https://2.bp.blogspot.com/-xIUJiqR_WPA/VGT1XFqBL-I/AAAAAAAAAFY/8t5mlUIFE-g/s1600/88888-1050-J2009BG-ONE.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Cyber Liability and Network Security" border="0" height="225" src="https://2.bp.blogspot.com/-xIUJiqR_WPA/VGT1XFqBL-I/AAAAAAAAAFY/8t5mlUIFE-g/s400/88888-1050-J2009BG-ONE.jpg" title="Cyber Liability and Network Security" width="400" /></a></div>
<div style="text-align: center;">
<br /></div>
<span class="mceitemhidden"><span style="color: black; font-family: Verdana;">Every decade the insurance and risk management industries come
across new-found exposures and the need for enhanced coverage for commercial entities.
In today’s marketplace, a set of newly minted exposures has outpaced the others
and that is Cyber Liability and Network Security coverages.</span></span><span style="color: black; font-family: Verdana;"><o:p></o:p></span><br />
<span class="mceitemhidden"><span style="color: black; font-family: Verdana;">With all the news in the media surrounding data breaches of major
corporations across the world, the loss of customer data </span></span><span class="hiddengrammarerror1"><span style="color: black; font-family: Verdana;">has been pushed</span></span><span class="mceitemhidden"><span style="color: black; font-family: Verdana;"> to the
forefront. Whether it is Target or most recently Home Depot, businesses large
and small are feeling the effects of both domestic and foreign network hacking.
In these larger instances, companies are staffing their IT departments and much
of this information is kept in-house. In the case of most small to
medium-sized businesses, they have outsourced this exposure and rely on 3</span></span><sup><span style="color: black; font-family: Verdana;">rd</span></sup><span class="mceitemhidden"><span style="color: black; font-family: Verdana;"> parties. The problem is, and what many don’t realize, when
you outsource IT and your database storage, you don’t necessarily relieve
yourself of the liabilities that come along with attaining that information
through your day-to-day operations.</span></span><span style="color: black; font-family: Verdana;"><o:p></o:p></span><br />
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<span class="mceitemhidden"><span style="color: black; font-family: Verdana;">Your organization is fully responsible for the safety and security
surrounding this information. In turn, it </span></span><span class="hiddengrammarerror1"><span style="color: black; font-family: Verdana;">must be</span></span><span class="mceitemhidden"><span style="color: black; font-family: Verdana;"> taken into
consideration when developing your overall insurance/risk management program.
The exposure to loss will either be insured or retained. Whether you
buy insurance for this or not, at least the decision </span></span><span class="hiddengrammarerror1"><span style="color: black; font-family: Verdana;">is made</span></span><span class="mceitemhidden"><span style="color: black; font-family: Verdana;"> in advance,
based on your business exposures. Which seems much less problematic than
the alternative; trying to decide after the fact, the best course of action for
dealing with a data breach and the potential law suits that follow.</span></span><span style="color: black; font-family: Verdana;"><o:p></o:p></span><br />
<span class="mceitemhidden"><span style="color: black; font-family: Verdana; font-size: 14.0pt;"><br /></span></span>
<span class="mceitemhidden">
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<span style="font-size: 14.0pt; line-height: 107%;">By K.L.
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