Get Instant Quote Button Choose a plan below:

Enter Your Zip Code

Archives for May 2014

Don’t Buy Business Insurance Until You’ve Read These 5 Tips!

If you own and operate a business, then it’s one of the most important things in your life. Therefore, it needs to be insured as such. However, before you simply purchase a small business insurance policy, don’t forget these 5 very important things:

  1. Assess Your Business Risks – This is something the insurance company is going to do, so it’s always helpful to perform your own research and do your own homework before searching for quotes.
  2. Shop Around – Don’t go for the first quote you get that seems to be a decent price. Take your time, make sure that your insurance policy covers everything it needs to and all risks have been carefully assessed and documented before paying the premium. In some cases, you may want to find an insurance agent that specializes in your specific type of business in order to get cheaper premiums.
  3. Business Owner’s Policy (BOP) – You can purchase small business coverage in a package or separately. The package is known as BOP and usually consists of everything from auto insurance and general liability to business interruption coverage. However, not all types are covered in a BOP, so it’s important to speak to your agent about the unique risks to your business.
  4. Find a Trustworthy, Licensed Insurance Agent – An insurance broker can help you get the best deal by uncovering hidden gems that you couldn’t find on your own. However, make sure to choose a broker that is more worried about you and your needs rather than the commission that they’ll make by selling you the insurance policy.
  5. Annual Reviews – Because changes are always happening, you’ll want to ensure that you review your policy and risks on an annual basis.  

For business owners in Los Angeles, California, feel free to contact us at Save-On Insurance Services with any questions you may have regarding insurance policies or to get a quote for life insurance, home insurance or commercial business insurance. 

When You Need Umbrella Insurance

Car insurance and homeowners or renters insurance are both policies that everyone should have. If you have dependents, add life insurance to that list. If you have all those, when would you need umbrella insurance? The following will answer that question for you.

Protection Above and Beyond

Few people realize that home and auto insurance limits may not cover everything. If an accident that happens on your property or with your car results in serious injury, then the costs that you are liable for may be more than the limits on your policies.

This is where an umbrella policy would come in. If your net worth and projected future earnings are more than the limits for either your home or renters insurance, then you should consider an umbrella policy. This would cover you if your costs go over the limits on your car or homeowners insurance.

If you have any questions or to get a quote, contact Save-on Insurance Services at our offices in Los Angeles, California today!

Summer Diet Tips

Summer is the time to kick-back, relax, and unwind. However, if you relax too much in the diet department, you may have trouble fitting into your bathing suit. Here are a few diet tips to keep in mind as summer approaches.

  • Breakfast is key to managing your metabolism. Experts say, "The bigger the better!" with regards to breakfast. Don’t skip this important meal of the day or depend on starchy sweets like doughnuts. Commit to eating a balanced breakfast that includes protein, some healthy fat, and a fruit or veggie.
  • Try to drink green tea after each meal to increase your metabolism and manage your cravings.
  • Plan on three cups of vegetables per day. Veggies are loaded with filling fiber and needed vitamins and minerals. Keep a bowl of sliced veggies in the fridge to encourage the whole family to increase the veggie intake.
  • Eat something nutritious every three or four hours to keep your blood sugar levels on an even keel.

If you have questions about life insurance, auto insurance, or insurance for your home, contact Save-On Insurance Services in Los Angeles, California to get a quote.

The Importance of Knowing Insurance Terms and Coverage

Becoming familiar with insurance terms can help you better understand what kind of coverage is available to you for health, auto, life and homeowners policies. The following gives a brief synopsis of various insurance options and their coverage: 

Auto Insurance protects you against injuries and property damage sustained in an accident. Coverage can include liability, personal injury, property damage, collision, comprehensive and uninsured motorists’ coverage depending on the policy you choose.

Accident and Health Insurance offers protection for injuries and/or death due to an accident and covers costs of preventative services, medical care, catastrophic care, etc.

Business Owners Policy combines liability, property and business interruption coverage for small or medium size companies.  

Homeowners Insurance protects your house, property and personal belongings against damage due to storms, theft and fire; amount of coverage depends on your policy.

Life Insurance protects your family financially in the event of your early demise.  

Renters Insurance protects against damage to personal belongings when you are renting a home or apartment. You also receive liability coverage for damage you or your family cause to others.

To get a quote on insurance coverage in California, contact Save-on Insurance Services located in Los Angeles, CA  

Save-On Insurance Services for Life Insurance

Searching for the right life insurance can raise questions and, possibly, some concerns. If you have any of these questions, you need to utilize the services of a professional agency. 

  • How do you purchase a policy for life insurance?
  • What is required for the application process?
  • Does it require a physical exam?
  • How do you know if an insurance company is stable?
  • What do the terms preferred plus, preferred and standard mean? 
  • Can you obtain a policy after the age of 75?

Obtaining life insurance doesn’t have to be a complicated or confusing experience. There are professionals that can guide you through this experience because they have helped hundreds of other individuals that have had the same questions you do. 

Contact the experts at Save-On Insurance Services to get the answers to frequently asked questions or to get a quote for the policy that best meets your needs. Save-On Insurance Services can provide you with accurate answers and information on life insurance, health insurance, traveler’s insurance and insurance for your home.  

Travel Insurance: Its Benefits and Provisions

General liability insurance is a type of business insurance coverage that offers protection when property damage or injuries happen as a result of business operations. General liability is also referred to as commercial general liability or business liability insurance.

Business owners are often well-aware of certain risks associated with daily operations of the business. Still, the provisions of general liability protection is sometimes unclear.

General liability insurance policies cover:

  • Bodily Injury: Bodily injury resulting from work-related accidents involving individuals the company is liable to.
  • Medical Payments: Medical bills associated with those business-related incidents resulting in body injury.
  • Property Damage: Policy provisions include damages to property used for business operations (even if it’s rented).
  • Defense: Covers your business if the company is named in a legal proceeding (whether or not your company is at fault).
  • Personal And Advertising Injury: Protects against claims such as libel, slander, defamation of character, etc.

Even amid the best processes and strategies, your business can come under fire. Being properly insured is critical to both protecting the company if a challenge arises and in offering peace of mind as you head home each day.

At Save-On Insurance Services, experienced agents have assisted California business owners since 1985. For a comprehensive risk analysis, or to get a quote for general liability coverage, contact Save-On Insurance Services today.