SO HOW ARE YOUR TIRES REGARDING THE WINTER MONTHS AHEAD?

October 4, 2011 by Leave a comment

We all have to prepare for the winter months ahead and now is a good time to get started.  One of the most important ways to prevent an auto accident is to have good tires on your car.  If you have a blowout because of a bad tire, this can cause an accident and not only damage your car but others as well.

Check your tires, are they bald, do they need to be rotated, are they out of balance, do you need a rotation, or do you need new tires because of normal wear and tear?   People usually wait until something happens before they invest in new and good tires.  But the fact is, good tires can prevent a lot of accidents. 

According to the National Highway Traffic Safety Administration (NHTSA), at least 400 people lose their lives every year due to tire failure or bad tires.  There is another factor, rubber starts to break down as it ages.  There is a CODE on the side of the tire that starts with DOT that tells the age of the tire.  Check this to make sure your tires are not getting too old.

With the snow coming, do you have “all weather” tires or do you have the tread needed to fight the snow?  With your destinations, do you need chains at times?   Mud and Snow tires are ideal for most conditions, but the more chronic conditions could require chains, especially in the mountains.

Let your tires be the cushion to safety and security for you.  Invest in a good set of tires if you don’t already have them.  They could save your life or someone else’s.  With slippery, icy and wet conditions, it is hard to get around with a set of bald tires.  Don’t let this happen and be prepared for the season.   

Don’t wait until it snows to invest in a good set of tires.  Do it now, beat the crowds and set yourself up for a good winter season.  Your insurance premiums will go up the more you have accidents.  Try not to have to use your insurance and have a good set of tires.  Should you have any questions or need a free quote, please call us.

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HOW THE BEAUTIFUL COLORS OF FALL CAN AFFECT YOUR RISKS ON YOUR PROPERTY

October 4, 2011 by Leave a comment

So you look out your window and see a tree changing colors from red to orange to yellow to light green or you see a bush that is covered in red.  What a beautiful display of color our earth offers us during the month of October.  That tree in your front yard is sprayed with a beautiful array of red and orange that is breathtaking.  If we take a trip in the mountains we see landscapes of rivers reflecting the colors of the trees and a wonderous view of color delight.

Fall colors are at their peak right now, but after their show we start to see leaves fall to the ground.  These leaves eventually clutter and cover our lawns with a blanket of debris.  that debris can become a hazard for not only appearance purposes but for people walking onto your property.  Those little piles of leaves left on the walkways can get wet and become slippery and troublesome for people who don’t see them.  The piles of debris of leaves can become a hazard just waiting for an accident to happen.  Here are a few tips for you to adhere to in order to prevent accidents during this beautiful and colorful season.

Make sure your walkways are clear of the leaf debris and piles of leaves.  Have your driveways and walks well lighted so people can see where they are walking.  Clear all debris and leaves from the lawn so walkers on don’t fall, and clean all leaves from your front door especially.  Clean all areas of your lawn and walkways you feel someone might enter to prevent any type of accident. 

When it snows or rains, leaves tend to become ugly and slippery.  Make sure to shovel your walks and driveway so people don’t fall from the slippery leaves. 

Leaves are usually less harmfull  than a lot of other hazards, but when they clutter together, they can become a strong hazard.  It becomes your liability as a homeowner when people fall.  Make sure your homeowners policy carries good liability coverage.  Don’t allow accidents to happen by keeping your home’s walkways safe from accidents.  If you have any questions, please don’t hesitate to call us for a free quote or information.

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Loss Of Business Income Insurance Coverage

June 27, 2011 by Leave a comment

In the event of a large loss, it is most likely a business will not be able to do daily operations. Sometimes a business is shut down due to a claim. This can be a couple of days, of even sometimes up to a year. Sometimes a loss can result from another loss. This is called an indirect loss. Such indirect loss could be losing business income from a big loss.  Since your business can no longer operate, it is only natural for this to happen.

What is business income loss insurance?

This coverage supplements your business income from an indirect loss, when a direct loss occurs and effects your revenue. This coverage is usually good for up to 12 months of lost income. Business income can be considered any type of revenue from daily operations. The insurance company has to indemnify all losses, but no profit can be gained from the insurance company. This unless it is apart of daily operations income.

Why is this so important to have on my insurance policy?

Incidents that result in business losses, can be unforeseen. If your operations are stopped due to an insurance loss, it is a must you  protect the businesses income. This simply can be done, by buying a business owners policy, that has loss of business income, included in it. Always make sure that this coverage is good for 1 full year.

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Thrift Retail Store Insurance | Get A Free Business Insurance Quote

June 20, 2011 by Leave a comment

 Today with the economy being what it is, more and more people are turning to thrift stores to buy clothing and goods for their families.  Thrift stores are finding themselves to be very busy with walk-ins daily averaging much more than two years ago.  That is why having an excellent insurance policy is a must.

At our National Independent Insurance Agency, we will take the time, to work with a business to accommodate its needs. Our agents are fully licensed and knowledgeable to create a comprehensive policy that is best for the client.

Our Business Owners Policy

Our policies are superior in industry standard. We believe cutting corners on an insurance policy, could potentially hurt a business owner if a claim were to occur. We provide superior coverage, all at a competitive rate. Here is a basic break down of coverages we offer.

  • General Liability
  • Building
  • Business Property and Inventory
  • Crime Coverage
  • Employee Dishonesty
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Equipment Break Down
  • Outdoor Signs
  • Accounts Receivable
  • Newly Acquired Building
  • and more!

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

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Camp Operators Insurance | Get A Free Business Insurance Quote

June 10, 2011 by Leave a comment

Camp Operators Insurance Program

Camp operations is one of the most fun and experiential things that children, family and friends can experience. They learn skills and learn to build social skills. On the other side there are many risks involved with camps. That is why create a uniquely designed insurance policy to fulfill a wide range of special needs for the Camp Operators or Owners. We help protect camps from the “unknowns”.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Employee Dishonesty
  • Accounts Receivable
  • and more!

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

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Our Agency Enjoys Insuring Gun Stores & Outdoor Insurance Products

July 8, 2010 by Leave a comment

Our agency loves to insure gun stores and gun smithing operations. Mark A. Schneider owner of the agency, is a gun owner, collector, hunter and is a big believer in the 2nd Amendment. He spends time on learning new things in the industry. This can be anywhere from new risk that can arise in the market, to learning new guns that are coming out. Mark is also a member of the NRA and RMGO- Rocky Mountain Gun Owners. He believes in protecting gun owners rights.

Mark also loves to go shooting and hunting. He plans a Deer hunt each Fall with friends. Camping is a big part of his summer, along with shooting at least once a month. Sometimes once a week.  He also loves to fish. “I Love the outdoors and anything involved with it”, said Mark.

Mark A. Schneider has been selling Outdoor Insurance Products for a while now. He can help you insure your gun shop/smithing, shooting range, Guest Ranch, Outdoor Guides, Gun & Rod Club and more. Please visit his Contact Page Or Quote Page to Contact him.

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