November 8, 2012 /

As our northwest weather season turns into winter, our minds go to the weather related catastrophes to which we are prone:  flooding/damaging winds/freezing and snow.  Non-weather related, but still in the back of our minds, the natural disasters of earthquakes and volcano! Here are a few helpful links.  They can help you prepare, think through,…

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Your Assets And Liability Insurance Should Grow Together

September 17, 2012 /

Like two children born on the same day, your auto and homeowners liability limits need to grow right along with your assets. The liability limits in your auto and homeowners (including condo and renters) policies are all that stand between you, the careless things you do behind the wheel or at home, and your assets. …

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September 14, 2012 /

Please do not come into my office to buy liability insurance for your auto and ask for the “lowest coverage possible”.  I will not sell it to you. Liability insurance is what you buy to pay out to someone you injure and who’s property you damage in an accident you caused.  In Washington State the…

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Full Coverage Auto Insurance….There Is No Such Thing

August 9, 2012 /

Full Coverage:  There Is No Such Thing I speak with clients, potential clients and people in general who know I sell insurance and they talk about buying “full coverage” auto insurance.  There is no such coverage. In general, the basic auto insurance coverages are:  General liability (required by law in the state of Washington) Personal…

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You Gotta Know……

May 11, 2012 /

There are a lot of reasons to buy insurance.  Auto insurance for the fender bender, homeowners insurance for the house burning down or burglary, business insurance if for no other reason than because people will sue. All of those reasons are good enough for me.  Sign me up…….but there are plenty of you out there…

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My Business, Why Insurance

April 27, 2012 /

When you start a business one of the last things you think about is insurance, but it should be as close to the top of the “to do” list as possible.  Why?  Insurance is required for opening an office space and getting a loan   Accidents don’t care if you have just started.  When they…

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April 10, 2012 /

When I was little the scariest thing Mom could come up with to keep me in the bed was the ability of the boggieman to get me if I got out.   Sometimes it worked, but the boogieman didn’t show up either way.  The parents of today could scare with the “kidnapper”.   Sadly, unlike the boogiemans’…

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March 29, 2012 /

There is a special type of insurance for people and companies who hold themselves out as “professionals”.  To name a few: doctors, attorneys, cpa’s.  When they make an error in their professional practice, the type of insurance that responds is called Professional Liability, or Malpractice, or Errors and Omissions (E&O).  When an E&O claim is…

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Just Because You Don't Have It Doesn't Mean They Won't Take It

March 9, 2012 /

Part of buying auto insurance is to decide how much liability coverage you want to buy.  Most are sophisticated enough to understand what can be lost in a second and buy enough to cover their assets.  It is to the others that this blog is dedicated. Dear Others:  When you come into an insurance agency,…

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BRIDES AND BUSINESSES: Special Insurance Just For You

February 10, 2012 /

 Two insurance coverages of which I wasn’t aware came across my desk today and I wanted to let you know.  They might be JUST what you need:  Wedding Protector Plan:             Yes, it is that time of year.  We are all starting to gear up, check the registers, rsvp the invitations, book the hotel rooms. …

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