The Best Quality Insurance Provider in Seattle

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 insurance provider. 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.

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. 

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.

Where Did Insurance Come From?

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.

The Origins of Insurance

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.

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.

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.

Insurance Evolves

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.

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.

Car Insurance

Those looking for Seattle insurance quotes, Seattle family insurance, and others have also asked about the origins of car insurance.

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.

Jewelry Insurance

How is my Jewelry covered by my homeowner’s policy?

Did you receive the gift of jewelry for Valentine’s Day this year?   If so, do you want to fully protect it?

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:

• Regarding damage: Some perils such as fire, lightning, and smoke damage are protected against up to the policy limit selected.
• 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.
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Our recommendation:

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  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

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.

Umbrellas…Protection when your business has a rainy day, By Mike Shumate

Many people invest a few extra dollars for an umbrella to keep them safe and protected from the elements.  They help to keep you warm, dry and protect your clothing.  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. 

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.  With respects to your business insurance, your Commercial General Liability and Auto policies typically give you a $1 million limit for coverage.  An Umbrella policy can be purchased for a single premium, which can go over multiple liability policies, and are often relatively inexpensive in comparison to the potential payout of a serious claim which can cripple your business. 

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.  The tires skid on the wet pavement and the truck slams into the back of stopped traffic and causes a multi-car accident.  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.  The total cost of all bodily injury and property damage from the accident is $1.7 million.  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.  If an Umbrella policy is in place, the extra $700,000 on the claim will be paid, thus keeping money in your business and the doors open.  Many businesses realize the benefit of having extra protection outweighs the cost of purchasing an Umbrella. 

The Importance of Employment Practices Liability In Today’s Work Place. By, Ginger Carlson, ACSR

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.  An EPLI policy generally covers the below listed areas:

1.     Sexual Harrasement

2.     Wrongful Termination

3.     Age and Gender Discrimination

4.     Emotional Distress and Mental Anguish

5.     Failure to Promote

6.     Race Discrimination

7.     Wage and Hour

8.     Invasion of Privacy

9.     Defamation of Character

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.   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.

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!   In this case, discrimination was found, and the employer had to pay out of pocket as he didn’t have a policy in place.

Wage and Hour suits as well as Wrongful Termination are two other claim scenarios where EPLI coverage is readily needed.   In the State of Washington,  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.  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.

As you can see, suits can be brought for a broad number of reasons. Even when the company you own or operate has done nothing wrong. The unforseen cost is in the defense. Whether you believe the claim has merit or not, the cost to defend can be substantial and truly an unneccessary financial hit.