Personal Umbrella Insurance

Umbrella InsurancePersonal Umbrella Insurance

You’ve worked hard to earn your lifestyle. Consider adding additional liability protection to your Auto, Home, Renters or Condo policy. Personal Umbrella Liability coverage added to your other policies can protect you, your spouse and any relatives living in your home.

Umbrella Insurance Protection

Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an umbrella insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella insurance can provide limits above your business insurance, personal auto and home policies.

Umbrella insurance provides broad insurance beyond traditional insurance. It provides additional liability coverage above the limits of your primary insurance policies. It can also provide coverage for claims that may be excluded by the primary policies

It is true that personal umbrella insurance may not be for business or individual, but if you are a business, wanting to protect your company’s resources, building financial resources for your future, are a professional, own your home, boat or recreation vehicle, you should consider an umbrella insurance policy.  Having the added protection of an umbrella insurance policy is coverage no one should go without. Call us today, for a free review.

High Net Worth Individuals

Do you own a boat, second home or have other expensive toys? Often high net worth individuals need higher liability limits to protect personal assets. A simple rule is, the more you own the greater risk you may have of losing it. The nice thing about an umbrella policy is that it is competitively priced and can bring you great piece of mind.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Coronavirus Will Have An Impact The United States

virus-1812092_1920The Centers for Disease Control recently stated that the Coronavirus will have an impact in the United States.  Currently, the death toll from the Coronavirus is over 2,700 worldwide.

People who contracted the virus have reported symptoms that include fever, chills, headaches, difficulty breathing, and a sore throat.  Now is a good time to start thinking about how you might protect yourself and your family from contracting this virus.

The World Health Organization and the CDC recommend that you take the usual precautions to help prevent the spread of respiratory viruses including:

  • Wash your hands often with soap and water or use an alcohol-based hand sanitizer.
  • Cover your mouth and nose with your elbow or a tissue when you cough or sneeze.
  • Avoid touching your eyes, nose, and mouth if your hands are not clean.
  • Avoid close contact with anyone who is sick.
  • Clean surfaces you often touch.
  • Stay home from work, school, and public areas if you are sick.
  • Check with your doctor if you have a fever, cough, and difficulty breathing, and tell your doctor about any recent travels.
  • Avoid eating raw or undercooked meat or animal organs.
  • If you are visiting live markets in areas that have recently had new coronavirus cases, avoid contact with live animals and surfaces they may have touched.

Traveling

If you do get sick while traveling, it is important to know the signs of coronavirus and seek immediate medical attention if you believe you have contracted the virus.

Symptoms might include fever, cough and shortness of breath. It is important to note, however, that the coronavirus symptoms are common to a number of viruses.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

We Are An Independent Agent… Why?

 

Consulting Concept And Business Man.Amberg Insurance is an independent agency. This means we don’t work for anyone insurance company. We have access to many markets that specialize in home, auto, business, health, and life, giving us the ability to shop your account and search the market for the best option for you. With captive insurance agents (Non-Independent), you may only get the guidance of one company that sells one brand of insurance.

The Value of Amberg Insurance

  • We know and understand your industry.
  • We have over 40 years of service.
  • Our focus is exclusively on understanding the unique needs of our clients.
  • We will work with you to make sure your claim is processed to your satisfaction.
  • We provide a number of coverage options.
  • Are not obligated to any one company.
  • We search the market for the best combination of price and coverage.
  • We are licensed professionals with strong customer and community ties.
  • Our staff is qualified and trained to explain coverage in understandable language.
  • We can review coverage and make necessary changes based on your needs.
  • Amberg Insurance are local, real people, we live and work in the community.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

There is no singular insurance company that is the best for everyone. As independent agents, we can find the right company for your specific needs. And as your needs change, we’ll always have an insurance company that is right for you.

 

2020 Insurance Buying Tips From Amberg Insurance

Creative Idea Of Power Thinking Concept, Paper Lightbulb DesignNow that 2017 is here, it may be time to consider reviewing your personal insurance program. Most people don’t take time to review exposures, options, or their current economic condition before making their insurance purchase. We want to help you, so we prepared these insurance buying tips for 2017.

  1. Don’t buy insurance through the internet – Call our agency and let us provide outstanding service along with competitive pricing.
  2. Maintain good credit – Regularly check your credit score, since a low score may impact your premium.
  3. Review your auto limits – If you have limits of less than $100,000, that won’t even cover the medical bills in a serious accident. The minimum liability coverage that anyone with any assets or income to protect should be carrying is $500,000 to $1 million or more.
  4. Maintain a home inventory – Having an accurate account of your personal property can provide for greater recovery in the event of a loss.
  5. Bundle your insurance – Combine your auto, home and umbrella policies with one Agency to receive better and easier service.  Someone who knows “you”.
  6. Set the right deductible – A higher deductible reduces your premium, but you have to pay more out of pocket in the event of an accident. If you have a good driving record and haven’t had an accident, you may want to gamble and opt for a higher premium. The reward for this risk could be up to a 40% savings.
  7. Consider Identity Theft – Identity theft is one of the fastest growing crimes in the U.S.
  8. Buy from a financially strong company – Your insurance is only as good as the company who stands behind the policy.
  9. Be prepared to make adjustments as your lifestyle and needs change.

Call us today and let us help protect what is important to you. As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

Home Insurance Planning For 2020

Business Woman Staying On Top On Chart Bar And Looking With The

Your home will be one of the most significant investments you will ever make, both economically and emotionally. Your family will spend countless hours there, among some of your most prized possessions. In the event of any misfortune, let us give you the peace of mind knowing that you are well protected

Florida Home Insurance

Insurance premiums collected by each insurer get pooled into one pot of money used to pay losses. There may be certain years when losses exceed premiums paid. In some cases this occurs over a two or three year period. What Can We Do To Help?

We are an independent agency.  This allows us to search the market for the best possible combination of Florida home insurance premiums, coverage and service. We compare insurance company’s rates and use the competitive market to your advantage. Here are some ways to save on your premiums:

  • Purchase all your insure through our agency
  • Ask us about additional discounts
  • Consider increasing your deductible
  • Keep your home well maintained
  • Replace your roof, water heater and other equipment when needed
  • Review your policy regularly- you may not need the same kind of coverage you did a few years ago

Give us a call so we can provide you with options.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

 

Is Your Business Ready For 2020?

happy-new-year-4718873_1920The world is changing, and we understand the issues your Florida business faces every day. There is constant competition for your customers, there are challenges in attracting and retaining top employees, and your cost of goods keeps going up. Part of your planning should include an annual commercial insurance review. Your Florida business changes, and so do your exposures. Here are some of the major kinds of coverage found in most commercial insurance programs.

Commercial Insurance for Businesses

Liability Insurance– Covers your business against claims of negligence that resulted in loss or injury to a customer or visitor to your business.

Worker’s Compensation– Protects your business when an employee becomes injured on the job. It is required by law.

Commercial Auto– Covers against loss for your business vehicles and any liability your business incurs as a result of an accident.

Property– Insures against loss for your buildings and equipment.

Employment Liability– Covers your business and managers from claims of harassment, discrimination and other civil rights as afforded under state and federal laws.

Cyber Liability– Protects your liability interests when data or sensitive client information is stolen or accidentally lost by your business.

Professional Liability-Protects your business when a third party accuses your business of being negligent or making a mistake in providing professional services.

An Independent Agent Who Understands Commercial Insurance

When you purchase business insurance through an independent agent you are working with a licensed professional who specializes in the products and services you need. We have access to many insurance companies and know which ones are designed just for your business. Independent agents are local business owners who employee your neighbors to serve your needs.

Find out how your business can be protected by calling us today for a free business insurance review. Our philosophy is to help you identify and control both your insurance dollars and potential claims.

By having an office in North and South Charlotte County, we can provide convenient and timely service to our clients. We would appreciate having the opportunity to serve as your insurance Agent for your personal and/or business needs.

Amberg Insurance has been voted BEST INSURANCE AGENCY and BEST AGENT by the residents of Charlotte County and Harbor’s Hottest Insurance Agency by Harbor Style Magazine.

 

Is Your Business Covered For Employment Practices Liability?

Bullying On The Job Meeting

Young boss bullying the candidate in her job meeting

A Business Insurance Update

Today more than ever, employees know their rights under the law. Over the years, the United States has created many federal laws and statutes to protect the rights of individuals including; Title VII of the Civil Rights Act of 1964, Title I and Title V of the Americans with Disability Act of 1990, The Age Discrimination in Employment Act of 1967, plus many other state laws. These laws require employers to act in accordance with very specific set of requirements and give employees the right to file lawsuits.

There are many reasons why an employee might make a claim against his or her employer. Typical allegations include wrongful termination, discrimination, harassment and even failure to promote. In an economic downturn, employers tend to have layoffs, and wrongful termination allegations can follow.

We also know that humans are prone to making comments that can be viewed as inappropriate by a coworker whether intentional or just a poor choice of words. Occasionally, a poorly phrased comment or two can lead to harassment allegations. Whatever the reason, Employment Liability claims are on the rise.

An Employment Practices Liability Insurance (EPLI) policy provides insurance against claims and lawsuits brought against an employer, its officers, directors, employees, and managers arising out of employee relationships. These policies generally cover charges in the following areas:

  • Discrimination – including age, sex, and gender
  • Sexual harassment
  • Invasion of privacy
  • Emotional distress or mental anguish
  • Wrongful termination or discipline
  • Negligent compensation, promotion or hiring decisions
  • Employee benefits mismanagement
  • Breach of contract for employment

An EPLI policy will defend the organization and pay the damages awarded under the terms, conditions, and limits of the policy. Most EPLI policies offer free legal assistance programs. This gives you the opportunity to contact an experienced legal firm to help assist you through an employment issue before it turns into a claim.  EPLI policies are written on a “claims made” form, which means it provides insurance coverage for claims that occurred and are made during the policy term or within an extended reporting period if selected. Some EPLI policies contain exclusions that limit coverage during events such as a major workforce reduction, acquisition or merger. Generally, criminal conduct is not covered by an EPLI policy.

Find out how your business can be protected by calling us today for a free business insurance review. Our philosophy is to help you identify and control both your insurance dollars and potential claims.

By having an office in North and South Charlotte County, we can provide convenient and timely service to our clients. We would appreciate having the opportunity to serve as your insurance Agent for your personal and/or business needs.

Amberg Insurance has been voted BEST INSURANCE AGENCY and BEST AGENT by the residents of Charlotte County and Harbor’s Hottest Insurance Agency by Harbor Style Magazine.

 

Don’t Make These Mistakes

Knowledge Is PowerFlorida Personal and business insurance buyers–don’t make these mistakes

Everyone who buys insurance often runs into what we call the 7 deadly sins of buying insurance. These apply to both personal insurance and business insurance. Read these to see if you can relate to any of them.

  1. Your deductibles are too low. The lower the deductible the higher the premium. Consider increase auto physical damage deductible on older vehicles.
  2. You have more than one agent. Having two agents it not wise. Select one agent whom you believe will be best for you. Two agents can trip over each other, and you could end up un-insured.
  3. You don’t consider the insurance cost when buying a car. The make and model of the car you purchase will have an impact on the insurance costs.
  4. Your replacement cost value is not correct. It is very important to keep your replacement cost up to date. Replacement cost coverage will replace or rebuild your property with like kind and quality of materials.
  5. Failure to develop a property inventory. Having an accurate inventory of your personal property can reduce stress at the time of a loss and help insure you receive 100% of what you lost.
  6. You have coverage you do not need. There are many different types of insurance you can buy but not all are needed. For example, travel insurance, pet insurance, extended warranties and mortgage life insurance is not always needed. We have other options and recommendations, call us today.
  7. Cancer insurance. Marketed by specialty-insurance companies, these plans supplement health insurance for cancer-care costs. Annual premiums range between $400 to $2,000 dollars. Despite their high cost, the policies may not cover outpatient care. Chances are that your existing health insurance already covers cancer expenses.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.