Tuesday, July 30, 2013

About Us

Welcome contractors and thank you for the opportunity to earn your business. We have made serving small to medium size businesses our first priority since opening our doors in 1997. Today, thousands of satisfied clients trust us with the coverage they need and rely on us for the service they want.
We earn our reputation by providing what you want and then going beyond to deliver the unexpected. Here’s what you get: First, you are handed your own dedicated support team made of licensed pros who really know construction coverage. Next, you get our fully-staffed certificate department at the ready. After that, anytime you need us you have the most highly-experienced group of specialty insurance people in the business. Wrapping it all up, you get a guarantee that puts in writing that you will continue to get this service all the time.
With us, you get the specialist in the field. The best. You usually expect to pay more for this level of service, but the people we serve happily report that our premiums are actually better. And, of course, no one else has the huge advantage of our experienced service and our written guarantee on top of it all.

Remember, with us it’s more than a slogan, we are Working for Contractors™.

Saturday, July 27, 2013

Avoiding Insurance Mistakes: Five Tips

Five big mistakes to avoid when making decisions about your insurance. I.I.I. offers tips on how to save money and still properly protect yourself.

Wednesday, July 24, 2013

Informed Citizen: Rental Car Insurance

Confused and overwhelmed by insurance options at the rental car counter? Justin, the Informed Citizen, is here to break it all down and tell you how to save money and protect yourself.

Sunday, July 21, 2013

Thursday, July 18, 2013

Automobile Theft

Every ten seconds a car is broken into somewhere in the United States. An experienced thief can brake into your car in 5 seconds, and braking into the trunk is even easier. Viet Nguyen of the Arlington County, VA police department advises parking in well lit areas. Another way to protect your car is by installing anti-theft devices such as wheel locks and ignition cut-off switches. The Insurance Information Institute urges drivers to always lock their cars. By making your car harder to steal than the one parked next to it, you lessen the likelihood that your car will be stolen.

Monday, July 15, 2013

College Students and Credit

More than half of college students' sign up for credit cards and most of those carry two or three while they are at school, according to the Insurance Information Institute. Sabrina Marshall of the University of Maryland says her institution hopes that students will leave school with a college degree not years of debt from loans and credit cards. Linda Goladner of the National Consumers League says students should understand that their personal credit history begins with that first credit card. It's extremely important to build and maintain a solid credit history, she says, as employers, landlords, and banks consider credit an accurate predictor of whether or not an applicant will pay their bills on time. The average college student leaves school $20,000 in debt says James Godfrey of the Consumer Credit Counseling Service. He says in addition to learning how to be a doctor or a lawyer, students need to learn Person Finance 101 as well.

Friday, July 12, 2013

Booster Seats

If your child is too big for a car seat and too small for a safety belt, a booster seat is probably the answer. Dr. Ricardo Martinez says motor vehicle crashes are the leading cause of unintentional injury and death among children, but most can be prevented. According to the Insurance Information Institute, children between who weigh between 40 and 80 pounds cannot be properly secured in adult safety belts because the belt crosses their hips and necks in the wrong places. These children need booster seats. Bryan O'Neal of the Insurance Institute for Highway Safety says booster seats boost the child up just enough to make lap and should belts fit comfortably and properly.

Tuesday, July 9, 2013

Evacuation: The 10 Minute Challenge

Two families take the Ten Minute Challenge to see if they can evacuate their homes in just ten minutes. Erica and Jason Bish have prepared ahead of time and know what to pack and who will do it. Alex and Steve Gorman have not. The Insurance Information Institute says the key is to plan ahead. Gather insurance policies, wills and deeds, marriage licenses, home inventory and other financial documents in one place. Be sure to pack medicines, toiletries, and clothing for three days. Candysse Miller of the Insurance Information Network of California says families should ask themselves "If I had just ten minutes to get out, what would I take?"

Saturday, July 6, 2013

Fire Prevention

Elaine Nashashibi had just minutes to get out of their house when the smoke detector went off. Today she says smoke detectors are absolutely essential and should be checked regularly to be sure they are in good working order. Fire education expert Mary Marchone says the more smoke detectors you have in your home the more likely you will be able to escape a fire. According to the U.S. Fire Administration is that people are not taking proper care of battery operated smoke detectors which means many people think they are protected when they are not. The biggest mistake occurs when a homeowner removes a dead battery then fails to replace it for days, weeks or months.

Wednesday, July 3, 2013

Enough Insurance

It's a homeowner's worst nightmare, a house fire or a fierce flood comes through and leaves your house in ruin. It happened to Tom Stobbs. "It somehow came down the culvert." Luckily, he had made it a habit to update his homeowners insurance. So, he was prepared when wildfires whipped through his neighborhood. "About every 24 months I get on the phone with the agent and say here's the deal, I want to make sure I'm covered. He said you're covered. And I was." Unfortunately, some homeowners find that when disaster strikes they are under insured. The cost of rebuilding their home is more than the value of their insurance policy. This means they have to come up with cash to rebuild their home to the way it was before. Homeowners need to remember that it is their responsibility to have enough insurance coverage. A regular conversation with their insurance agent or company is very important. Jeanne Salvatore, Senior Vice President, Insurance Information Institute says, "The three most important questions to ask your agent are: do I have enough insurance to rebuild my home if it's destroyed. Do I have enough insurance to replace my personal property if it's destroyed? And do I have enough insurance to protect my assets if I'm sued." People find themselves underinsured to two reasons: they have renovated their home, built a nice addition that added value to their home, but they didn't buy more insurance to cover it. Or they live where construction costs are very high. When a fire or other disaster destroys their home they find they don't have enough insurance coverage to rebuild. The Insurance Information Institute recommends you work with an independent appraiser, then review your policy to make sure it reflects current construction costs. Candysse Miller of the Insurance Information Network of California says it's critically important that you take a look at your policy every year. Call your insurance agent and make sure that your policy will keep up with you and your home."