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.

 

 Make Your House Safe Trick-Or-Treaters

 Halloween is fast approaching. All kids love to dress up, get together with friends, and go door-to-door hoping to find the full size candy bar.

A little pre-planning can prevent unfortunate accidents that could turn out to be tragic for kids and trying for you. Here are some pointers for ensuring your house is a safe place for trick-or-treaters on Oct. 31.

Pets first. Dogs, cats, and other furry family companions get scared when oddly dressed strangers approach their door in droves. Make sure your pet is in a safe and comfortable space or take them to a secure, relaxing offsite location for the evening.

 

Clean up your yard. If your yard gathers stuff – like toys, rakes and other yard tools, hoses, tree branches, you name it – take the time to clean it up. Make sure your yard is free of potential hazards and create a clutter-free walking path well before dusk falls this Halloween.

Are all your lights working? Make sure you offer a well-lit path.

Candles. Candlelit pumpkins should be placed on a sturdy table.

Turn it off. When you’re done for the night, make it obvious by turning any and all inviting lights off.

Decorations. Don’t go overboard with decorations, they can cause fires and injuries.

Safety tips for kids

  • Never, ever go into a house
  • Go with friends
  • Costumes should be short enough to prevent children from tripping and falling
  • Young children should always be accompanied by an adult or an older, responsible child
  • Only go to homes with a porch light on
  • Plan costumes that are bright and reflective
  • Don’t eat homemade food
  • Look at all wrapped candy, if it has been opened toss it out
  • Use a flashlight

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.

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.

Save Money Today

Auto Insurance

When it comes to purchasing auto insurance, having options can be a very important way to save money. Putting money back in your pocket is one of our primary goals.  We know and understand the auto insurance market.  This allows us to provide you with the best possible combination of pricing, coverage and service.

Auto insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV and campers, while others can offer better rates for motorcycles.

How to reduce your auto premium

There are many things you can do to keep your auto rates at the lowest level possible.

  1. Review your deductibles. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive costs.
  2. Encourage your student driver to get the best grades possible. Most major insurance companies offer a discount for students in good academic standing.
  3. Select a safe car. Check out which cars are popular with thieves and avoid them. Also, the more expensive the car, the higher the premiums.
  4. Be a safe driver. The more accidents and tickets you have, the higher the premiums will be.
  5. Purchase a car with an alarm or LoJack. LoJack® Stolen Vehicle Recovery System provides car owners with peace of mind knowing that if their vehicle is stolen, they have the best chance of getting it back.
  6. Be loyal. Many auto insurance companies offer loyalty discounts if you stay with them over time.
  7. Check for other auto insurance discounts. These might include taking safe driver courses, senior discounts and more.
  8. Some companies offer discounts for paying your premium in full, multi policy, and multi car discounts.

You might be able to pay less for your car insurance premium and not even know it. So it pays to connect with us to review your insurance needs.

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 Offer Coverage For The Real-Estate Industry

A quick guide to landlord and property insurance

Landlords and property managers have many unique risks that only a trained and experienced agent can understand.  The term ‘Landlord’ is broad and can include those who manage rental property, apartments, condominium associations, and commercial property.

We offer both commercial and residential landlord insurance, and you can obtain a policy whether you need to cover a single rented property or a large property portfolio.

Here are the types of commercial insurance we offer

  1. Building Coverage – Allows you to quickly rebuild or repair buildings or other property damaged by fire, theft, natural disasters, or other events.
  2. Business Personal Property Coverage – Covers costs to replace the contents in your building if they are stolen or destroyed by a covered unforeseen event.
  3. Landlord liability – This is an important coverage and it is designed to protect you against claims made by a tenant or visitor for injury or damage caused by your property.
  4. Business Income Coverage – Provides for continued income or lost revenues/rents while the building and its contents are being rebuilt and replaced.
  5. Building Ordinance Coverage – Covers the increased cost to comply with building codes, ordinances, or laws that have changed after your building was originally constructed. For example, under revised building codes you may now be required to install sprinklers which would increase the cost of construction.
  6. Outdoor Signs and Property Coverage – Covers the costs to replace outdoor fences, signs, trees, shrubs, or plants.
  7. Equipment Breakdown Coverage – Covers loss due to failure or breakdown of equipment such as boilers, heating systems, and electrical equipment.

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.

Do You Need A Scheduled Article Floater?

Almost all of your personal property is insured under your homeowner’s policy; however, most valuables have sublimit that leave might you severely underinsured. We are talking about; jewelry, guns, cameras, silverware, chins, sporting equipment, art, coin collections, wine, and other expensive items. The best way to protect your valuables is through a scheduled articles floater.

A scheduled articles floater is either a separate policy or a rider added to your homeowner’s policy, depending on your carrier. A scheduled articles floater itemizes valuable items on your homeowner’s policy and extends the policy’s coverage to the items.

Why You Need The Coverage?

Typically, your homeowner’s policy will cover your valuable items anywhere from $500 to $2500 and may include a deductible without any schedule; depending on the insurer. With a scheduled articles floater you can obtain coverage up to the replacement value of the item. Insurers will ask for a bill of sale or appraisal to verify the replacement value.

The primary reason why you should choose to purchase a scheduled articles floater is that it offers additional coverage not provided in your “normal” coverage. Accidental loss or damage is a coverage included under the personal articles floater. A missing stone in an engagement dropped down the drain or lost at the beach, would be typically be covered under a personal articles floater.

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.

Important Auto Insurance Terms

free444An Auto Insurance Review

This state requires everyone who owns a vehicle to have personal auto liability insurance.  Auto insurance comes in many different shapes and sizes. There are many different terms and coverage’s you need to understand if you are going to protect you and your family.  As you consider the many different kinds of coverage, we can help you find the right combination of price, coverage, and service.

Bodily Injury Liability

This coverage pays for costs or claims associated with bodily injuries to the other persons (third parties) or people involved in the accident. This coverage also provides defense coverage in the event that you are sued for damages.  We always recommend having higher than the minimum limits. If a claim exceeds your own policy limit, you will be responsible for all costs.

 Collision Coverage For Your Vehicle

Collision and comprehensive is often referred to as ‘full coverage.’ If you have collision coverage, and are in an accident or hit with another vehicle or property, you will have coverage to repair or replace your vehicle after your deductible is satisfied.  Collision and comprehensive coverage are not required, but they may be required by your loan company or leasing company.

Roadside Assistance And Towing Coverage

Collision & comprehensive covers the vehicle when it is damaged. Emergency roadside assistance and towing coverage can be added to your personal auto policy in most cases. Coverage will help with gas fill-ups, battery jumps, tire changes, and towing. Make sure to check if you have necessary towing (up to 15 miles) or extended towing (up to 100 miles).

Rental Car Reimbursement

When your vehicle is in the repair shop after a covered accident, your policy will provide you a rental car (if you have purchased the coverage) while your own car is getting repaired. You will need to have purchased comprehensive and collision on your policy in order to add rental car coverage. Coverage is subject to limitations.

This is intended to be a brief review of auto insurance. Your actual coverage will depend on your individual policy.

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.

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.

 

 

Can You Live Without Disaster Insurance?

flash-731488_1920We live in a great state. But we do have unique risks that we need to manage and prepare for. Your homeowner’s insurance can be designed to protect you from most of these risks and disasters.

Insurance And Disasters

It is safe to say that most business and homeowner’s insurance policies do not cover the risks associated with disasters. The only exception would be damage caused by wildfires. Let’s look at how insurance might apply to other disasters.

  1. Floods— Only 13% of U.S. homeowners had flood-insurance policies last year according to the Insurance Information Institute, a trade group. Flood insurance must be purchased through the National Flood Insurance Program. We can help you if you need the coverage.
  2. Hurricanes— Most property insurance policies provide coverage for losses resulting from hurricanes, except for flood loss associated with the hurricane. If you live in a high wind area, you will need to have a separate policy to cover your home and personal property.
  3. Tornadoes— Damage from tornadoes typically is covered, since it usually is considered wind damage.
  4. Mudslides— A standard home insurance policy does not protect your home against damage caused by a mudslide. Mudslides are usually defined as ground movement. Heavy rains that cause a mudflow would typically be covered.
  5. Hail— Most homeowner’s insurance policies provide coverage for losses resulting from hail.
  6. Wildfires— It can be safe to say that all homeowner’s insurance covers loss resulting from a fire. Wildfires are considered a fire and would be covered.

Coverage disclaimer–the information provided here is for general purposes only. It is not our intent to change or modify insurance coverage. Each insurance policy is different and your individual coverage will be determined by the terms of your insurance policy.

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.

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.

 

Cyber Risks Are Real

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Every business owner has read about cyber breaches and how these impact every business. We want to focus on how to prevent your confidential business information from being compromised in the first place. Cyber breaches come in a variety of forms, so we will focus on the most popular breaches; Insider breaches, payment and credit card skimmers, and direct cyber-attacks. With most of today’s critical information stored on computer systems, cyber-attacks can cost firms time, money, and data, but also their reputations.

Prevention Tips

  • Provide Training to all employees. Helping your employees understand how cyber breaches occur, will go a long way in prevention.
  • Keep your operating system, browser, anti-virus, and other critical software up to date.
  • If at all possible utilize a third party company to serve as your IT department, unless you are large enough to have full time professionals.
  • Activate your firewall. Firewalls are the first line of cyber defense; they block connections to unknown or bogus sites and will keep out some types of viruses and hackers.
  • Secure all passwords and do not share them with anyone.
  • Use only secure wireless networks.
  • Develop a secure way to allow laptops off the premises. Never keep client information on laptops if used off site.
  • Verify the authenticity of requests from companies or individuals by contacting them directly.
  • When an employee leaves the company or is terminated, turn off the access to their computer. If there is personal information on their computer, have your IT person manage the process.
  • Be aware of pushing scams. This involves a hacker using an email or website to install malicious software onto your computer. These web entities are designed to look like a normal email or website, which is how hackers convince their victims to hand over personal information.
  • Never open an email from someone you don’t recognize, even if it identifies you by name.
  • Do not give out any information over the phone or in an email unless you are completely sure it is authentic. Social engineering is a process of deceiving individuals into providing personal information to seemingly trusted agents who turn out to be malicious actors.
  • Carefully read the permission release before installing apps.
  • You may want to consider encryption programs for sending confidential information.

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.

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.