Why your business needs Commercial Insurance

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At times, the difference between the wise and not-so-wise often comes down to a single decision. As a business owner, one such choice for you is whether to get commercial insurance or not. This is even more critical for new companies as their trajectory can be unstable. A commercial license will mitigate the risk of a sudden loss of finances and might be the only thing that would save the company from going under. As a start, you must understand the significance and importance of commercial insurance.

Commercial losses, such as theft, employee injury, property damage, liabilities, etc. are common. If you have reliable policy coverage, you might be less affected by such events compared to not having any protection. Another growing area of concern is data breach damage with an increasing number of cyberattacks. Financial losses to such types of attacks can be considered in specific policies. A great benefit of commercial insurance is you receive tax deductions provided the company serves a business purpose.

At Biddle-Shaw Insurance Services in San Francisco, CA, you have the expertise of the commercial insurance market and the sound understanding of local rules and regulations. A commercial license can be more complicated than individual policies, which makes for a great reason for you to consult an expert in the matter. At Biddle-Shaw Insurance Services, agents are trained to understand your specific situation and then guide you on the best-matched policy for your needs. This could easily be the best investment you make in your business, giving you the support, security, and peace of mind that is needed in a successful business. Visit the Biddle-Shaw Insurance Services office in San Francisco, CA, or contact us by phone to get started without risking any delay.

Why a home inventory is a good idea

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Owning a home in San Francisco, CA is a dream come true. When you own a home, you probably have a mortgage and your lender will require that you protect their investment by carrying home insurance. Home insurance also protects you since it provides coverage for not only the physical building itself but also your personal belongings. Biddle-Shaw Insurance Services, Inc. offers its clients and future clients the benefit of their years of experience when it comes to choosing the right home insurance. 

If your home is damaged or destroyed by a covered hazard, you can lose all or part of your personal possessions. Imagine having to reconstruct from memory your entire home and what you have in every single room, drawer, closet, and cupboard. It is a daunting prospect. This is why creating a home inventory is a good idea. With a home inventory, you will have all the proof that you need to verify the things that you owned prior to the hazard that caused the damage. 

To create a home inventory, go through your home room by room and write down all the things in the room. Be as specific as possible. For example, saying a sofa is not enough.  You will need to describe the sofa. If you have proof of the money spent on items, include that with the inventory. Take photos to go along with the inventory. For higher-priced items like electronics, be sure to note the brand and model. The inventory should then be stored in a safe place, preferably off-site but at the very least in a fire and water-resistant box. 

Your home is your castle, and in San Francisco, CA, Biddle-Shaw Insurance Services, Inc. understands that. Why not give our office a call or stop by to discuss the value of a home inventory and any other insurance needs you may have. 

 

I Got a DUI Now What?

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So you made a mistake and drove under the influence. You’ve gone to court and had a hearing with the DMV, and you’re probably wondering what happens now. A DUI conviction can have adverse effects on your insurance rates and driving privileges. After a DUI, there may be additional requirements for you to drive again. Biddle-Shaw Insurance Services, Inc. serving San Francisco, CA may be able to help.

Your Rates Will Increase

A DUI conviction leaves a mark on your driving record that lasts for ten years. That mark can lead to increased insurance rates. However, your rate probably won’t immediately jump, because state law prohibits insurance companies from raising your rates before your renewal period. But, you should be prepared to see an increase when it’s time to renew.

You’ll Need an SR-22

Your license was probably suspended following your DUI conviction, so you’ll likely be required to obtain an SR-22 to reinstate your driving privilege. An SR-22 is a form that provides proof that you have the state-required liability insurance to drive. The DMV requires drivers convicted of DUI have one on-file, typically for three years. 

If you own a car or have one registered in your name, you’ll have to have an SR-22 on file with the DMV. If you don’t own a car, but will drive at any point during the designated timeframe, you’ll have to obtain a nonowners SR-22. 

You must request a form from an auto insurance company. They will either send it to you, or they’ll send it directly to the DMV once it’s completed.

The time following a DUI can be stressful. Biddle-Shaw Insurance Services, Inc. serving San Francisco, CA can help you get back on the road. Contact us today to learn more about your insurance options.

 

Why You Could Be Found At Fault For Your Auto Accident

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Have you ever wondered how insurance companies like Biddle-Shaw Insurance Services, Inc. determine who’s at fault for an accident? Imagine you’re driving along in San Francisco, CA, minding your own business, when suddenly a car slams into your passenger side door. You feel the other driver was to blame because they hit you, but you missed the stop sign. So, who’s at fault?

How is Fault Determined

There are two main ways authorities determine who is at fault for an auto accident — Proof of negligence and showing that a driver violated a statute.

To prove negligence means that the driver operated their car unsafely. For example, if you pull away from a curb, and another hits your vehicle, you could be found at fault because it’s reasonable to say you did not make sure the roadway was clear before you entered traffic.

Another example is a rear-end accident. It could be determined that you followed too closely, which is considered an unsafe operation of a vehicle.

Violation of a statute is determined by whether you adhered to traffic law or not. So, if you ran a red light or stop sign, you will likely be determined at fault for the auto accident.

Fault Through Comparative Negligence

Even if one party is determined at fault, the other could still carry some responsibility through comparative negligence. This means that both parties were found negligent. However, one party is more at fault than the other. Comparative negligence is usually determined by witness statements, law enforcement, and statements by the insured parties.

Auto insurance coverage can protect your assets if you’re found at fault in an auto accident. Call or stop by Biddle-Shaw Insurance Services, Inc., which services the San Francisco, CA area, to determine if you have enough coverage in the event of an accident.

Does Home Insurance Cover Damages Associated with Sink Holes

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For the most part, people are not going to have to deal with sinkholes. For others, it is a real concern. Sinkholes are an occurrence when the ground sinks or opens up to fill a hole that is beneath the surface. For those that live in the San Francisco, CA area, Biddle-Shaw Insurance Services, Inc. can help you to find the policy that is going to work best for you.

Home insurance policies, in most cases, do not cover ground movement or settling in a home. In some cases, a sinkhole may fall into the ground movement category, which means it is not going to be covered by your home insurance policy. Even if your standard policy does not cover sinkholes, but you feel that you are going to have issues with sinkholes, you may want to take out a secondary sinkhole policy.

In areas where ground movement is likely to occur, you may want to take the time to find an excellent policy that is going to help protect your home. A sinkhole policy is going to help make sure that if your home is damaged from a sinkhole, you are not going to have to fix it alone. Sinkholes are something that may not be common, but if you live in an area where this type of ground movement is common, you may want to look into a policy.

For those in the San Francisco, CA area, the agents with Biddle-Shaw Insurance Services, Inc. can help you to find the perfect coverage for your home. We will work with you to find a policy that matches your needs and answer your questions.

Can You Increase The Amount Of Commercial Insurance You Have During The Policy Term?

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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. 

 

Does Renter’s Insurance Cover Your Roommate?

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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. 

Tips and Tricks for Home Insurance With Pets

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At Biddle-Shaw Insurance Services Inc., we find that many of our San Francisco, CA residents, and those in the area, experience worse insurance rates due to pets. Thankfully, there are several tips and tricks that you can use to lower your rates and avoid complications. 

Train Your Pup to Limit Liability 

Insurance companies will be pleased with you if you train your pup to behave. This training will show them that you take your pup’s potential for damage very seriously and that your dog has been adjusted to avoid issues. Don’t hesitate to get multiple types of training to boost the effectiveness of your insurance policy. 

Buy Kid-Friendly Animals 

The worst problem you’ll experience with pets is if they tend to bite children. Animals who bite will cause you increased insurance rates and higher co-pays. Thankfully, you can buy dogs who are friendly with animals or cats who don’t scratch to get the best results. Talk to your agent about which animals get the best rates and then focus on these animals. 

Create an Outdoor Exercise Area

Many pets – dogs in particular – get bored when left alone for too long and will lash out by chewing home items. This problem is one that can affect your insurance rates in a variety of ways. Instead of leaving your dog indoors, create an outdoor area with toys, food, a dog house, and items that your pet  appreciates while you’re gone. In this way, you can show your insurance company that your home is protected.

Get Professional Help

So if you live in San Francisco, CA and you want to own pets, make sure that you contact us at Biddle-Shaw Insurance Services Inc. to learn more. Our professionals will work hard to find you a policy that costs you as little as possible but which still protects you from pet-related damage.

Safety Tips for Spring Road Trips

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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.

Do I Need to Have Renters Insurance?

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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.