If you own a business or are planning on starting one in the near future, you probably already have commercial insurance, but is there a time when you may need to increase your coverage during a policy term? There are many reasons why a business may require an increased amount of coverage, which is why you should know when and why you should be able to increase the policy amount.
Changing The Policy Value
If you need to increase the value of your policy, you can in most cases, make the change with the assistance of your insurance agent. They can submit the necessary documentation and paperwork. Some instances where you may need to request an increase would be an expansion, an increase in inventory, and major equipment purchases. If you feel there will be the possibility for increase insurance coverage, let your agent know in advance so they can help find a policy that can accommodate your growing needs and help prevent losses from a lack of adequate coverage.
Flexible Insurance For Your Company Or Business
Getting the right type of coverage is essential for protecting your assets. That is why you need to work with an agency who had representatives who know how each insurance product works to help you find options that meet your needs. If you are located in the San Francisco, CA area, you can rely on Biddle-Shaw Insurance Services Inc. to give you the information and experienced services you need to make a wise purchase and help you protect your investment over the course of time.
Those who operate a business or company around the San Francisco, CA area should call or stop by Biddle-Shaw Insurance Services Inc. to find out more about the policy options available. The right insurance can help protect you from a variety of losses and meet your future needs.
If you are renting or leasing your home, you need to secure reliable renter’s insurance to protect you from losses and liability. Although you may be clear on what it covers for the policyholder, you may wonder if a roommate is protected by the policy in place.
Is Your Roommate Covered?
Unfortunately, your roommate won’t be covered by your policy unless he or she is stated on the policy. Each roommate must secure their own individual policy to make sure there is a complete level of coverage for each tenant. If you are considering getting a roommate and want to protect everyone in the home, insist that they purchase renter’s insurance. You can find a policy through Biddle-Shaw Insurance Services Inc. if you live in or near the San Francisco, CA area.
Working With An Agent
If you are searching for good renter’s insurance, you want to work with an agency that provides experienced agents who can help you outline your needs and offer policy options that work for you and your roommates. It is the key to getting the protection you need from a variety of threats. If you have questions and want to consult with a reputable insurance professional, check out Biddle-Shaw Insurance Services Inc. and take the guesswork out of finding the right renter’s insurance policy.
Anyone who lives around the San Francisco, CA area and is in need of renter’s insurance should call or stop by the office today and get started protecting yourself and any roommates in your dwelling. You need peace of mind so you can avoid losses from a variety of potential issues.
Spring is a great season to take a road trip. By planning your trip in advance, you can get the most out of your time on the road. The following road trip safety tips from Biddle-Shaw Insurance Services Inc. in San Francisco, CA can help you have safer, more enjoyable travels.
Check Your Vehicle
Even new cars should be checked right before hitting the road to ensure everything is working properly. A routine checkup could save you from unnecessary breakdowns in the middle of your trip. Make sure your mechanic checks the brakes, tires, oil, and fluids. You should also test your lights, blinkers, and wipers to ensure they’re working as they should.
Make Safety a Priority
Make sure you’re well rested before hitting the road to reduce your risk of having an accident. Take frequent breaks when on the road to stretch, eat and rest, so you can stay alert and drive safely. Make safety a priority when on the road. Don’t take on more than you can handle. If you’re traveling with a companion, take turns driving to get the rest you need.
Plan Your Route and Have Backup Directions
Plan your route so you don’t get lost. If you’re using a GPS, have backup directions written down or on your phone as a precaution. Mapping your journey will help keep you on course during your travels. It also makes it easier to get back on course if you decide to take detours along the way to take in some off-road sights.
Update Your Car Insurance
Update your auto insurance to ensure you have the protection you need for your journey. By adding roadside assistance to your coverage, you won’t have to worry about unforeseen breakdowns on the road.
For quality auto insurance for your road trip or everyday driving needs, contact Biddle-Shaw Insurance Services Inc. in San Francisco, CA.
One very exciting time in anyone’s life is the day they moved into a new rental apartment. When you are looking to move into a new rental apartment, you need to make sure that you are being very diligent and properly protecting yourself. One of the best ways to do that today is through the use of renters insurance. There are many reasons why you need to have renters insurance in place before you move into your next apartment.
Protects Your Assets
If you are moving into a new San Francisco, CA apartment building, you likely will need to have a lot of new personal belongings to help you live a life that you want. When you purchase new furniture, personal items, and other assets, you will be making a big investment. When you have renters insurance in place, you will receive the protection you need for these assets. In the event of a fire, vandalism, or theft, you will have an insurance policy to back you up.
Comply With Lease
Once you sign a lease, you will have many new obligations that you need to abide by. One obligation that you likely will have will be the need to carry renters insurance at all times. When you get a renters insurance policy, you should provide a copy of it to your landlord. This will help to verify that you are in full compliance with your lease, which will keep you in good standing.
When you are looking for your next San Francisco, CA rental unit, you should speak with the professionals at Biddle-Shaw Insurance Services Inc. to discuss your insurance options and needs. The team at Biddle-Shaw Insurance Services Inc. excels at helping people get into the right insurance policy for their situation.
Having commercial insurance is necessary to protect business owners from a variety of hazards that could create financial losses or devastation. Although you may need a certain amount when you first secure a commercial insurance policy, over time, you may want to reduce your coverage amount if there are certain circumstances that warrant it.
When To Reduce Your Coverage
If you are planning to downsize your company or go from a brick and mortar location to a primary e-commerce style business run from your home, you may want to reduce the amount of coverage you have to help you focus on other important business issues. Figure out which options work for you with the assistance of an experienced insurance agent. They can outline your options and make suggestions that help you make the most out of your coverage.
Buying a high-quality insurance policy is the key to ensuring that you will have the protection you chose without issues later on during a claim. Your agent can also help you file claims to make the process easier during a difficult time. If you live in or around the San Francisco, CA area, you can consult Biddle-Shaw Insurance Services, Inc. to discover what you can do to protect your company with a policy that makes sense. Their agents work hard to ensure the client is covered without gaps that can spell disaster after a claim.
Protect your business with the right type of commercial coverage with the help of Biddle-Shaw Insurance Services, Inc. serving the residents in and around the San Francisco, CA area. Call or stop by today to speak with an agent and get the answers to your questions.
Renting a home or apartment can be a thrilling experience, but not having coverage in the event of a disaster can be truly devastating. For those in the San Francisco, CA area, the helpful agents of Biddle-Shaw Insurance Services, Inc. can assist you in finding the renters policy that works best for you.
So, when renting a home or an apartment, it is not mandatory in any state unless specifically stated in your rental agreement, that you have any sort of renter policy in place. Your landlord may require that you take out a renter policy to protect their investment and to help you to replace items if the property should be destroyed. If you are renting and your landlord requires a renter policy, you should take the time to talk with an insurance agent to find a coverage option that works for you.
Most landlords will have their own insurance policy to help protect their property if something happens to the home. Renter’s policies cover a broad range of things. For starters, they cover the replacement of contents and property should your rental property become damaged in a fire, break-in, theft, or even storm damage. A landlord has no responsibility to pay you for items that are destroyed or stolen, so having a rental policy in place is a great way to protect your interests.
It is important to remember that when your rental home is destroyed or when there is a fire, likely your items are going to need to be replaced. Since it is not the responsibility of the landlord to replace items that are damaged or stolen, it is important that you protect your own property. For those that live in the San Francisco, CA area, the resourceful agents with Biddle-Shaw Insurance Services, Inc. can assist you.
When you run a business, it is important to consider all the different ways insurance may protect the company. Now, there are a number of different commercial insurance options out there. You just need some help finding what is right for you and your San Francisco, CA business. At Biddle-Shaw Insurance Services, Inc., that is exactly what you’ll receive.
Do you have many windows on the property? Do you own the property? If you answered yes to both of those questions, you might want window insurance. Replacing windows, regardless of the reason, is expensive and an undesirable added expense. With window insurance, you’ll avoid paying out of pocket for this.
You don’t need to own the property to take advantage of property insurance. Chances are, you have machines and other equipment on hand you use for your business. If these items are tampered with, destroyed, or stolen it can shut down your business until a replacement is brought in. Instead of paying for replacement equipment out of pocket, property insurance helps protect you.
If you drive at all for work, you need commercial vehicle insurance. It doesn’t matter if you have regular auto insurance as this insurance will not cover you when driving for work. So from using your own vehicle to bringing in a specific commercial vehicle, it is a good idea to invest in commercial vehicle insurance. It protects your driver and your business in the event of an accident.
When it comes to finding the right commercial insurance coverage for your business, look no further than the team at Biddle-Shaw Insurance Services, Inc. Our San Francisco, CA agency can help you better protect your business. All you need to do is give our team a call.
Renters insurance offers financial coverage against loss or damage of personal property or injuries to other people that may happen inside your rented home. It covers legal costs in case the person files a liability claim and pays for medical expenses. At Biddle-Shaw Insurance Services, Inc., we help our clients in San Francisco, CA find the renter’s insurance coverage that best suits them. However, making unnecessary claims can have negative effects on your premiums.
The following are some of the appropriate reasons to make a claim:
When The Damage Is Not Your Fault
If the damage is a result of your own negligence, the insurance company will not pay your claim. In fact, they may raise your rates. Be sure that the damage is not your fault before making a claim for your renter’s insurance
When The Cause Of Damage Is Covered
It is important to note that your renter’s insurance policy does not cover everything. You should study your policy to understand what is covered. Do not claim a peril that is not covered. Apart from the fact that it will be disallowed, it may put you in a position of disadvantage with your insurance company.
When The Amount Is More Than The Deductible
Make sure that the cash value of a claim is more than your deductible before filing a claim. If it does not, you won’t get any benefits and your premiums may be raised just because you had an event happen.
At Biddle-Shaw Insurance Services, Inc., we help our clients prepare themselves for accidents. We write quotes for renters and other insurance policies. We service California, Arizona, Colorado, Texas, and Nevada. Visit our office in San Francisco, CA or contact us at 415-586-7200 to discuss a new quote.
Commercial insurance is required by California law but only in certain situations. Sonoma and San Francisco, CA residents must have coverage to provide unemployment benefits to staff, workers compensation if you have a certain amount of laborers, and disability insurance for employees. Certain professions may require you to obtain a professional liability policy, and your agent can discuss these conditions in greater detail with you.
Is Copyright Infringement Covered?
In today’s world, we simply cannot get around the fact that content is king. As such, the need to produce marketing materials, blog posts, and other sorts of advertising means that we must deal with creators of artwork and marketing. This can put companies at risk if a contractor or other employee uses ideas that were sourced from someone else without their knowledge. If a business displays a logo that another person is claiming ownership of, it can expose that firm to the danger of lawsuits and demands that damages be paid.
Your general liability insurance policy should protect you in cases where you are held liable for copyright infringement, and depending on your field, you’ll need to determine how much coverage you will need. If you feel your indemnification limits could leave you responsible for an outstanding balance, you can add a commercial insurance umbrella policy that will have higher caps, giving you greater protection.
Biddle-Shaw Insurance Services, Inc. Is Here for You
Biddle-Shaw Insurance Services, Inc. is experienced in providing Sonoma and San Francisco, CA residents with premium insurance products to fill their everyday needs. We can answer any questions you may have regarding commercial insurance and its protections against copyright infringement issues, and we look forward to hearing from you. You can reach us online, by telephone, or you can stop in to our office to speak to one of our friendly agents today!
Renting is a great way to save up money for a home of your own or to just avoid having to pay high mortgages and other expenses associated with a house. For those that rent, you are not required to have a homeowners or renters policy but a renters policy is highly suggested. Renter’s insurance can help in the case of a fire or a break-in. Though renter’s insurance is not necessarily mandatory in all apartments or rental spaces, it is highly beneficial. For those in the San Francisco, CA area, the agents with Biddle-Shaw Insurance Services Inc. can help you find the right policy for you.
For the most part, renter’s insurance is optional, some landlords, however, will offer a break on their rents if you do have renter’s insurance in place. This is because it will help you to recover your items if something happens which means that you are less likely to come back to the landlord or the rental property itself. Renter’s insurance is mandatory in some rental areas however to protect the rental property and the landlord.
You should find out if your rental agreement offers any sort of breaks for renter’s insurance or if it is mandatory in order to enter into a rental agreement with that particular landlord. Renter’s insurance can help you recover if your possessions if they are damaged, stolen or otherwise destroyed and can even help to rebuild the unit so that you are not liable to help rebuild or to pay your damage deposit. For those that do have renter’s insurance, you can be sure that you are going to benefit from having this type of policy in place.
For those in the San Francisco, CA area, the agents with Biddle-Shaw Insurance Services Inc. can help you find the perfect policy.