We Can Offer You More Than Just Insurance, We Offer Peace Of Mind

update-1672385_1280We Can Offer You More Than Just Insurance, We Offer Peace Of Mind

Your insurance needs change over time, so it is important to review your policies periodically to make sure they are up-to-date. Tragically, many people are not insured after devastating natural disasters. It’s never too late to do a homeowner’s insurance checkup before the next threat heads your way. This article highlights some important insurance coverage you should consider such as:

  • Earthquake Insurance
  • Flood Insurance
  • Wind Insurance

Steps To Help Secure The Right Coverage

  • Make sure your homes information is up to date. Your agent should shave to right square footage and replacement value.
  • Research the replacement cost for new construction in your area.
  • Have our agency provide you with coverage options for competitive insurance products.
  • Consider getting a “floater” to your home insurance policy. If you own valuable furs, jewelry, guns, collections, silverware, or artwork, a “floater” can cover the full value of those items. Consider adding building code or ordinance or law endorsement, which will help pay the higher cost of bringing plumbing, wiring, or other key systems up to current codes when rebuilding.

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.

 

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New Year’s Resolutions For Your Business

new-years-day-3683748_1280Business Insurance Trends For 2019

As we move into 2019, we wanted to provide you with our “business insurance resolution checklist”.  We suggest that you go over this list to verify that you have the best possible coverage for your business. Building a solid company in today’s competitive and fast-moving world takes time, commitment, and foresight. Having solid business insurance can protect your assets, employees, and future.

We can design a commercial insurance program specifically for your business. There are some kinds of coverage that your business may not have considered. We offer you our checklist. Give us a call today.

Key Man Life – Covers the death of key owners, and revenue producers. In the event of the key person’s death, the death benefit payout goes to the company and not the key employee’s spouse or children. Key man life insurance policies act to inject liquid funds into the business to protect against a variety of financial losses.

Professional Liability- Covers claims that come from giving advice. Today, almost any business can find itself facing a liability lawsuit.  Many businesses do not even realize they have an exposure to professional loss.  A Management Liability lawsuit can put business and personal assets at risk, including the company’s assets, and even the personal possessions of the owners.  One simple mistake could cause financial devastation, as well as end your professional career.

Workers’ Compensation Insurance – This coverage is usually required by law for small businesses with employees. This insurance provides benefits for employees who are injured or die from job-related causes.

Employment Practices Liability– Provides your business with coverage for harassment, wrongful termination and other claims brought by employees.

Business Income- This coverage can provide extra funds should your business suffer a covered loss. It can include coverage for extra expenses to set up a temporary location as well.

Cyber Liability- If your business handles customer data, such as credit card or bank account numbers; data breaches pose a serious threat to your financial stability. Cyber Liability Insurance protects against the expenses associated with a data breach, which can run into the hundreds of thousands of dollars.

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.

 

 

 

 

 

Did You Just Buy A Flood-Damaged Car?

Deep Flood Water

Deep Flood Water in Residential Area. Des Plains IL USA. City Under River Flood Water. Nature Disasters Photography Collection.

Did You Just Buy A Flood-Damaged Car?

How to make sure you don’t get stuck with a water soaked car

It may be possible that a number of flood-damaged automobiles will be on the used car market in the near future.  These disasters tend to bring out dishonest business people who want to take advantage of the situation.

The National Insurance Crime Bureau (NICB) has established a consumer service called VINCheckSM.  This service allows car buyers to see if the vehicle has been declared as salvage by an NICB member.

How to spot a flood damaged car

  • Use a reputable auto dealer.
  • Is there new carpet in a 5-year-old car?
  • Use your sense of smell. Flood-damaged cars may smell of mold.
  • Check under the carpet for rust.
  • Make sure all electronics work.
  • Is there water in the headlights or tail lights?
  • Mud and debris on the underside of panels and brackets is another good sign the car has been under water.

If you’re from an area affected by a flood and have a car that wasn’t damaged, be aware that buyers might suspect it was.  Damaged cars can also be moved to other states, so even if you live outside a flooded area, be aware.

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 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.

 

Stop Porch Pirates This Holiday Season

southern-1212509_1920.jpgStop Porch Pirates This Holiday Season

The holiday season is filled with fun, parties, food, gift, overeating and unfortunately some risk. One of the fasted growing risks for many people is stolen packages by porch pirates. According to proopertycasualtiy360, over 26 million packages are stolen during the holiday season. Need more bad news?

Your homeowners or renter’s insurance generally may not cover this loss as it tends to be under your deductible. There could be coverage if you have personal property off premises insurance. Also for theft coverage to apply generally, you need proof of loss by a broker indoor, etc.

Call our office for a review of your homeowner’s insurance, as each policy is unique to your circumstances.

Things To Do

  • Delivery confirmation is a good way to prove the package was delivered.
  • Thieves will follow delivery trucks, waiting for the perfect target.
  • These thieves commonly strike during working hours as many homes are empty at that time.
  • You can insure your packages.
  • Consider having a person there when the delivery is scheduled.
  • Install a security camera.

High Tech Solutions

There are a few high tech solutions to consider.

  • Landport or BoxLock provides a delivery box on your porch that has an electronic lock.
  • Amazon Key, which has a fairly simple premise: When a delivery arrives at your house, and you’re not home, the courier scans a barcode that sends a request to Amazon’s cloud. If it’s approved Amazon remotely unlocks your door and starts recording video through the online retailer’s Cloud Cam.
  • Install a front door camera. Many shippers will not replace the item with this kind of device.

What To Do If A Package Is Stolen

  • Track your package. Check the delivery confirmation and tracking number.
  • Make sure a neighbor did not pick it up for you.
  • Contact the seller. Different retailers have different policies and processes for handling stolen items, but usually, you are entitled to a refund or a replacement item.
  • File a claim with the shipping company.

Check your Credit Cards for Purchase Protection. 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.

 

Setting The Record Straight Regarding Insurance

A Personal Insurance Update

There are so many ways that some insurance companies confuse buyers that it can be hard for many to discern fact from fiction. Often the complexity of insurance can cause us to create frustration and can lead to uninformed decisions. We want to help you make the insurance purchasing decision as easy as possible buy offer you the best possible combination of insurance coverage, price, and service.

Misconceptions about insurance

  • Online insurance gives you the best deals. Buying online insurance does not save you time, and it can often be more expensive. As an independent agent, we search the market for the best rates and bring them back to you.
  • All insurance companies are the same. Not true, some insurance companies prefer older drivers, while others have great rates on RV’s and motorcycles. Some insurers are better for insuring that hot rod or antique car.
  • Insurance is all about low cost. Sure you can get low-cost insurance, but you may not have the coverage you need when you have a loss. For example, we received a call from an individual that bought insurance online and had an accident. The insurance was cheap, and it was because there was no collision coverage. The individual had to pay $3,000 for the repair of their vehicle. We were able to secure the coverage they needed.

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

How To Stay Safe And Happy This Thanksgiving

happy-thanksgiving-1842909_640The Thanksgiving Holiday is filled with family, friends, shopping, eating and drinking. All these can be great but can also lead to increased chance of accident and injuries. During this season of thanks, we offer a few tips to keep you safe.

Thanksgiving Party Tips

  • Limit the use of alcohol.
  • Stand more than an arm’s length away from munchies, like a bowl of nuts or chips, while you chat so you’re not tempted to raise your hand to your mouth every few seconds.
  • Don’t try to lose pounds during the holidays, instead try to maintain your current weight.
  • Avoid fast-food places that emphasize red in their color schemes. Red stimulates your appetite.

Shopping Safety Tips

  • Always be aware of your surroundings.
  • Put your shopping bags in your trunk.
  • NEVER leave car doors unlocked or windows open.
  • ALWAYS park in lighted areas. Do NOT park in remote areas.
  • Keep receipts in your wallet or purse.
  • Avoid carrying large amounts of cash.
  • If you make expensive purchases like jewelry or guns, call our office as we may need to add these to your policy.

Driving Safety

  • Never drink and drive.
  • Plan your route in advance and check traffic reports and weather conditions before you leave.
  • Be prepared for emergencies – keep a blanket, boots, an extra pair of gloves and a flashlight in the trunk of your car.
  • Long trips are tiring and fatigue can be deadly when you’re driving. Driver fatigue was a factor in 65 road deaths and nearly 1200 injuries last year. Plan to get enough rest beforehand so that you drive fresh.
  • Have roadside assistance contact information on hand, in case an incident occurs on the road.

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.

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

We wish all of you a Happy Thanksgiving, we appreciate your business.

How To Design A Business Insurance Policy

Insurance concept risk management. Young man holding ring binder.How To Design A Business Insurance Policy

A Commercial Insurance Update

There are many insurance companies that are willing to offer you business commercial insurance coverage.  However, how can tell them apart, other than by their logo or advertising?  That is why you hire us, to help you review your risk, then design a program that fits your needs, and finally go to the marketplace and bring back the best options.  Not all insurance companies are the same.  They all offer different kinds of business insurance and services.  Here are some of the different kinds of coverage that you might consider when designing a commercial insurance program.  Each of these liability types offers protection from business-related fraud.  Purchasing several, or even all, of these policies may be necessary to fully protect your company from lawsuits.

  • Directors and Officers Insurance
  • Commercial Auto
  • Commercial Liability
  • Commercial Crime Liability
  • Property Insurance
  • Business Income and Extra Expense
  • A Commercial Umbrella Policy
  • Errors and Omissions Insurance
  • Fiduciary Liability
  • Employee Practices Liability
  • Privacy and Network Security Insurance

 

One way to make sure you get the best possible combination of coverage, price, and service is to have us help you identify the top insurers in your industry.  Other things to consider are your deductibles and limits purchased.  When selecting an insurance company allow your agent to do most of the heavy lifting.

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.