Author: AZ Insurance Team Blog

Woman’s Achilles tendon severed at grocery store.

Woman’s Achilles tendon severed at grocery store.

Having liability insurance to cover bodily injuries that may occur at your business is a necessity.

Our friends at Loose Brown Attorney’s shared this very applicable story with us:

We represented a 28-year old mother of three who was seriously injured at a Phoenix-area grocery store. Our client was standing by the freezer section of the store watching her young children get cookies at the bakery counter. A store employee entered through double doors, pushing a bakery cart approximately six feet high, and filled with bread. Apparently unable to see our client over the cart, the employee wheeled it into the back of our client. The cart cut our client’s left leg near the Achilles tendon.

Our client was taken to a nearby hospital where the 3.5 cm laceration was stitched up. Due to continuing pain in her leg and foot, our client’s doctors recommended an MRI. The MRI showed that the Achilles tendon had been partially severed by the grocery cart. Our client’s claim was submitted to binding arbitration by agreement of the parties. The arbitrator awarded our client $225,000 for her damages.

Read the full story here>>

Some business owners are tempted to get the “bare bones” when purchasing a business insurance policy, but it has been our experience that electing greater coverage is always advantageous for our clients when a liability case does arise.  Liability claims and cases are the ones that come out of nowhere, when you least expect them – It’s best to be prepared for those things you never want to happen.  As the old saying goes “hope for the best but prepare for the worst.”

-AZ Insurance Team
480-535-5709
https://www.azinsuranceteam.com/

Learn more about Loose Brown Attorneys:
http://loosebrown.com

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You and your child might be breaking the law

You and your child might be breaking the law

You and your child might be breaking the law

No responsible adult wants to put their own child at risk of injury or death, but you may unknowingly be doing just that.  In the United States, 663 children ages 12 and younger died as occupants in motor vehicle crashes during 2015 and more than 121,350 were injured in 2014.

Seeing statistics like that is enough to make anyone depressed, but is it enough to make you do something about it?  We can’t change the world, but we can change ourselves.

It only takes a few seconds to buckle in a child and verify that they’re safely secured.  However, one study found that more than 618,000 children under the age of 12 rode in vehicles without the use of a child safety seat, booster seat, or seat belt.

In the state of Arizona, the law requires all children younger than 8 years or less than 4 feet 9 inches tall to sit in a proper child safety seat, such as a booster seat, when riding in a vehicle.  If you’re not currently following these guidelines with your own child, you’re breaking the law and putting your child at serious risk.

Arizona Booster Seat Details

  • Children between ages 5 and 7 must ride in a booster seat unless they are 4 feet 9 inches tall.
  • Once a child is 4 feet 9 inches or taller, they are no longer required to ride in a booster seat, regardless of age
  • A child’s weight has no bearing on the law, only height and age.

The bottom line is that in order for a child to graduate to an adult safety belt, they have to meet either the age (8) or height (4 feet 9 inches tall) requirement.  Booster seat use reduces the risk for serious injury by 45% for children aged 4–8 years when compared with seat belt use alone.

Use this handy tool to find a free child car seat inspector near you: Locator here

Refer to the image below or for more info follow this link: More Info here

car seat safety diagram

 

-AZ Insurance Team
480-535-5709
https://www.azinsuranceteam.com/home.htm

Sources: https://www.cdc.gov/motorvehiclesafety/child_passenger_safety/cps-factsheet.html
https://www.azdot.gov/media/blog/posts/2012/08/10/six-things-you-need-to-know-about-arizona-s-booster-seat-law

What is an Umbrella Policy & Do I need one?

What is an Umbrella Policy & Do I need one?

What is an Umbrella Policy?

Umbrella insurance is extra liability coverage.  It is there to help protect you from lawsuits and major claims.  It helps protect your assets and your future.

Umbrella insurance provides additional liability coverage beyond the limits of your auto, homeowners, and boat insurance policies.  This protection kicks in when liability on your other policies has been exhausted.  For example, if you cause an auto accident and the damages to others is $600,000 but the limit on your auto policy is $500,000 – your umbrella policy will cover the difference.

What’s covered by an umbrella policy?

Property Damage Liability
-Damage to vehicles and other property from an auto accident where you are at fault
-Multi car collision
-Accidental damage to school property caused by your child

Bodily Injury Liability
-Injuries to other parties due to a auto accident where you are at fault
-Injuries sustained by a guest in your home due to a fall
-Injuries sustained by a neighbor’s child who falls while playing in your yard
-Harm caused to other as a result of your dog
-If your child was to injure another child, accidentally

Umbrella policies also cover less tangible things such as:        
-False arrest, imprisonment, or detention
-Libel: injurious written statement
-Slander: injurious spoken statement
-Malicious prosecution
-Shock/mental anguish

Having an umbrella policy is an affordable way to protect yourself, your assets, and your income.  If you have any questions or would like to get a quote today, give us a call.

-AZ Insurance Team
480-535-5709
https://www.azinsuranceteam. com

 

10 Tips to protect your home from wildfires

10 Tips to protect your home from wildfires

Wildfires-they’re a hot topic right now.  There are now 14 wildfires spread across Arizona, sparking Governor Doug Ducey to declare a state of emergency.  All puns aside, for those of us living within close proximity to these fires, the eminent threat can be terrifying.

Forest fires are notoriously unpredictable, difficult to control, and often take weeks or even months to fully contain.  Helplessly waiting to see how Mother Nature unfolds your fate can be a real nail biter.  That’s why we’ve written this simple list of preventative steps you can personally take to protect your property.

Create a Defensible Space:  A zone around your house that will slow or redirect the wildfire around your home.  Fires will only burn if fuel is present.  Fuel can be your landscaping, woodpiles, decks, etc.  Create a defensible space anywhere from 30 to 100 around your home depending on how heavily wooded your area is or if you live on a slope.

  • Space trees at least 10 feet apart (cut down and remove any that are closer together)
  • Remove dead or dying trees and shrubs, pine needles, leaves, and other dead vegetation
  • Keep trees and shrubs pruned. (Tree branches should be a minimum of 6 feet from the ground)
  • Mow your lawn regularly and dispose of clippings
  • Maintain your irrigation system and keep ground well saturated if possible
  • Clean your roof, gutters and eaves of debris, pine needles, leaves, etc.
  • Trim branches so they don’t extend over your roof or near the chimney
  • Move firewood and storage tanks 50 feet away from home and clear areas at least 10 feet around them
  • Do not connect wooden fencing directly to your home
  • Hose off your roof and surrounding areas to keep any embers from igniting fuel

For much greater details on protecting your property, read this PDF: Homeowner’s Firewise Guide For Arizona.

Always maintain a homeowner’s insurance policy

Be sure to start and carry a homeowner’s or renter’s policy well before a wildfire ever starts in your area.  This coverage will replace your belongings and rebuild your home if necessary.  Make sure your limits are high enough to cover everything, especially if you’ve recently upgraded or renovated your property and haven’t adjusted your policy to match your homes increased value.

You CANNOT add a homeowners, renters or landlord policy while a wildfire is burning in your area.

Procrastination is often human nature, but don’t wait until the last minute to try and add a property policy or increase your limits when a fire ignites in your area.  It is highly unlikely that any insurance company will allow you to start a policy or add coverage while a wildfire is burning in your area. CYA, cover your assets today.

Contact us now to start or update a policy; we’re ready to answer all of your burning questions. (still with the puns)

AZ Insurance Team
480-535-5709
https://www.azinsuranceteam.com/get-a-quote.html

Sources and photo credit:
http://www.azcentral.com/story/news/local/arizona-wildfires/2017/06/24/arizona-wildfires-state-of-emergency/425502001/

Do I Need Business Insurance if I Work from Home?

Do I Need Business Insurance if I Work from Home?

Do I Need Business Insurance if I Work from Home?

These days it seems like everyone has a side job, that’s because 29% of workers have some sort of side hustle; especially millennials-where 44% of 25-34 year-olds report having a side gig.

Being your own boss, setting your own hours, calling the shots, and setting your own rates comes with many advantages.  Most people are so busy growing their small business though that they don’t think about the risks.

It’s important to get the right coverage for whatever work you’re doing.  For example, you could be on the hook for expenses if you get into a car accident on the way to pick up a passenger while driving for a ridesharing service or if you are the victim of theft when your in-home stock of LipSense goes missing.

What type of coverage should you get for your small business?

  1. Rider to a homeowner’s or renter’s insurance policy

This is the most inexpensive home-based business insurance.  It is an add-on or rider that expands a homeowner’s or renter’s policy to cover the company.   The cost is usually minimal around $100 a year with about $2,500 of additional coverage for business property and may provide some liability coverage.

This type of insurance may be appropriate for a one-person business without many business-related visitors or valuable equipment.  For example, such coverage may work well for a Pampered Chef distributor or IT Works working from home.

  1. In-home business policy

These policies cover a broader range of contingencies, including theft of funds being taken to the bank for deposit or loss of critical documents.  The plan usually covers up to 3 employees against theft.

The cost often ranges from $250-500 and can cover as much as $10,000 in losses. It covers business equipment and liability for injury, which is important if people are coming in and out of your house for business purposes.

  1. Business owner’s policy

Entrepreneurs who need more than 10,000 of coverage should pay for a business owner’s policy.  Coverage by this type of plan includes damage to or loss of business equipment and other assets, loss of critical records, liability for customer injuries, loss of income or a business interruption in case of power outage from lightning storm or natural disaster, other flood.   Such a policy might also protect you if you asked an employee to run to the store and buy you stamps and they are in an accident.

Many BOP’s start at around $500 and offer coverage up to $4 million.  For those really taking their business seriously, this is probably your best option.

Knowing what coverage is right for you and your side hustle is important.  If you have any questions, need some extra guidance or would like to start your own policy, give us a call.

-AZ Insurance Team
480-535-5709
https://www.azinsuranceteam.com/

 

12 Ways to Stay Cool this Summer

12 Ways to Stay Cool this Summer

12 Ways to Stay Cool this Summer in Arizona:

1. Take a swim in your pool or at a public pool.jump in pool

2. Go boating or have a picnic at the lake if you don’t have a boat.pexels-photo-240561

3. Have a water balloon fight.
Fill them up even faster with this handy tool we found: http://amzn.to/2qRrKZP

water balloons

4. Get cheap squirt guns and have a battle!
Here’s a good blaster: http://amzn.to/2rXKdYT
squirt gun fight

5. Set up a slip and slide in your yard or at the local park.slip and slide

6. Play kickball using kiddie pools as the bases & slip and slides for epic home runs!
Kiddie pools are cheap: http://amzn.to/2sxlw2x
kickball

7. Play in the sprinklers (avoid them at public parks, it’s usually reclaimed water)
Pro tip: put the trampoline over a sprinkler for even more fun!
sprinklers

8. Go to a local splash pad (great for small children)
Mesa Riverview Park has a great one: 2100 W Rio Salado Pkwy, Mesa, AZ 85201
splash pad

9. Spend the day at a local water theme park.
Sunsplash is a great one in the East Valley: https://www.golfland.com/mesa/plan-your-visit/prices/
water park

10. Take a hike to a waterfall, spring, or river.
Check out this list of great water hikes in Arizona: http://www.azutopia.com/hikes/water-hikes/

waterfall hike

11. Go kayaking or paddle boarding.
Get some cheap Kayak Rentals here: https://www.facebook.com/Cactuspaddles/
kayaking

12. Go salt river tubing.
Find all the details here: http://www.saltrivertubing.com/
salt river tubing

Whatever you end up doing, don’t forget sunscreen, cold drinks, and remember to be safe and have fun!

-AZ Insurance Team
https://www.azinsuranceteam.com/home.html
480-535-5709

Does my car insurance cover car rentals?

Does my car insurance cover car rentals?

Does my car insurance cover car rentals?

You’re standing at the rental car counter and they hand you an intimidating rental car contract filled with confusing insurance options.  What do you do?  You just want to get to your hotel and on with your family vacation already.  You’re probably thinking, “I have car insurance.  Do I really need to buy their coverage too?”

When it comes to renting a car for domestic travel, this is the most common question.  The answer is: it depends. You want to make sure you’re covered, but you also don’t want to pay unnecessary duplicate coverage’s.

The first thing to do is check your auto insurance policy to see what type of coverage for rental cars may already be included in your personal auto insurance, this can be done with a quick call to your agent or a search of their website.

Insurance you may already have:

If you carry comprehensive and liability coverage on your personal car, coverage typically will extend to your rental car.  If you’re renting a car of similar value to your personal car, your insurance coverage will likely be adequate for the rental.  However, if you’re renting a super nice sports car, the extra coverage offered by the rental company might be a good idea.

You should also check to see if you have personal injury protection or medical payment coverage.  If you carry this coverage already, you won’t need this additional coverage at the rental counter.

Protection you might need:

Collision Damage Waiver:  This transfers financial responsibility from you to the rental car company in case of damage or theft.  It provides coverage for “loss of use” if the rental car company charges for the time a damaged car cannot be used because it’s being repaired.

Personal Effects Coverage: If you have homeowners or renters insurance, your personal items are usually covered, to a limit, even if they are stolen from a rental car.  If you don’t already have a policy that covers this, it may be a good idea to elect this coverage at the rental counter.

Takeaways: Before adding any of the extra rental car coverage’s at the counter, know what your personal auto and homeowners/renters insurance covers.  Chances are you have enough coverage already that extend to the rental vehicle and can save you some money instead.

Pro Tip: If you have a credit card (not a debit card) call them and ask them if you use their card if they automatically add on rental car insurance.  If they say yes, then you don’t have to be concerned about whether or not you should add it on.  Put it on that card and drive away worry free!

-AZ Insurance Team | 480-535-5709 | https://www.azinsuranceteam.com