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.

 

How To Prepare For Florida Hurricane Season

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Hurricane season takes place June 1 to November 30 every year. Don’t wait until after you have a loss to check your insurance, review your homeowners or renters policies to make you have the right coverage in the event you’re hit with a destructive storm.

What is Florida Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Florida Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Remember The Key Terms

Hurricane Watch: A hurricane watch is issued when hurricane conditions are a real possibility for an area within 48 hours.

Hurricane Warning: A hurricane warning is issued when a hurricane is expected within 36 hours. Begin precautionary action at once. Important – once a Warning has been issued for our community insurance cannot be bound. If you are involved in closing on a new home, we recommend binding coverage early, especially in hurricane season.

Now is the time for you to build an emergency kit and create an evacuation plan.  For more information on this, go to http://www.ready.gov/american-red-cross

Hurricane Planning:

  • Review your insurance to make sure you have adequate coverage and limits.
  • Hold an annual family meeting to discuss issues and plans.
  • Develop an evacuation plan; this should include phone numbers, meeting places and routes of escape from your home, neighborhood and city.
  • Check your home for vulnerable areas, such as leaking roofs.
  • Make sure you have a secure place for recreation vehicles, boats, and motorcycles.
  • Make plans for your pets as well.
  • Notify neighbors and family members of your evacuation plan.
  • Plan for any special medical needs.
  • Make sure the gas tank in your car is full.
  • Anchor or stow small boats and RV’s.
  • Secure any outdoor furniture.
  • Secure buildings by closing and boarding up windows.
  • Trim any old trees.
  • Secure any antennas.
  • Make sure flashlights are working.
  • Evacuate, if advised to do so!

 

 

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.

Independent Agents Add Value

 

 

Business man pointing the text: Are You Insured?

Business man pointing the text: Are You Insured?

Amberg Insurance is an independent agency. This means we don’t work for any one 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.

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.

Summer Travel Safety

As the summer vacation season approaches and thoughts turn to fun in the sun, getting on an airplane or even camping. If you plan on traveling to a foreign country, call our office for an insurance review.

Consider Travel Insurance

When traveling overseas, you never know what could unexpectedly happen. In the case of a medical emergency, lost baggage, or stolen wallet, it can be difficult to find your bearings in an unfamiliar place. We can provide coverage when traveling internationally.

Here are some tips to protect your data from prying eyes so you can have one less thing to worry about on your vacation.

  • Don’t post on social media until you return.
  • Let a trusted neighbor know you will be away and have them keep an eye on your home. It is a good idea to leave your vacation address and telephone number with a neighbor so you can be reached in case of an emergency.
  • Be aware of any travel and health alerts at your destination.
  • Write out a schedule and give it to a family member for safety purposes.
  • Make copies of all of your credit cards, important identification information, including your medical insurance cards, and your traveler’s checks.
  • Advise your alarm company and local police if you will be gone for an extended period.
  • Stop the paper and garbage service.
  • Don’t take expensive jewelry with you. Jewelry can get lost or be a target for thieves.
  • Never put your home address on your luggage tags. Write your phone number instead.
  • If you are traveling to a foreign country remember to study up on laws and customs. You will have a much better time if you understand the culture.

Before you leave for vacation, you may decide to close your curtains to prevent people from peering inside your home to see whether you’re there. However, closed curtains also stop those who aim to help the police, your neighbors or friends from seeing inside your house

You might be able to pay less for your insurance premium and not even know it. So it pays to connect with us to review your insurance needs. Allen & Furr Insurance, is 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.

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.

Now go and have a great time!

 

What Does Contractors Insurance Provide?

Contractors insurance policies range significantly in terms of what they offer. Most will have a business owner’s policy (BPO) that will provide:

  • General liability insurance
  • Workers’ compensation insurance
  • Commercial vehicle insurance
  • Property coverage
  • Professional liability
  • Other insurance products you need

Why Do I Need Liability Insurance?

Good liability risk management can reduce the chances that your business will be sued, but it can never eliminate the risk entirely. You or a member of your organization can make a mistake that injures someone or damages property. Your mistake could harm the reputation or interfere with the privacy of a customer, client, competitor or member of the general public. When such injuries occur, you may be legally liable to pay damages to someone who suffers a loss due to your actions or inaction.

Everyone in society has a duty to take reasonable care that his or her actions do not injure others. The same rule applies to business entities. Not repairing a pothole in a parking lot, not lighting a dark stairway, failing to train workers how to do their jobs safely and legally or failing to provide directions for the safe use of a product can constitute negligence if a client, customer or member of the general public is injured as a result. The legal meaning of negligence is failure to exercise reasonable care.

What Kind Of Liability Policy Should I Get?

For small businesses the most efficient and least expensive way to purchase liability insurance is usually as part of the Business owners Policy (BOP) which combines property and liability insurance in one contract. Alternatively, a business may purchase a Commercial General

Your liability insurer will pay damages that you are legally obligated to pay as a result of “bodily injury,” “property damage” or “personal and advertising injury,” up to the policy limits and subject to your deductible. Punitive damages are generally not covered, although there may be some exceptions.

 

Bodily injury means injury, sickness, disease or death; it may include injuries that are emotional or mental, such as post-traumatic stress syndrome or humiliation.

Personal and advertising injury includes libel, slander or any defamatory or disparaging material or a publication or utterance in violation of an individual’s right of privacy; infringing the privacy or copyright rights of another in your advertisement; wrongful entry or eviction, or other invasion of the right of private occupancy; and false arrest or wrongful detention.

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.

 

Three Kinds Of Coverage Every Homeowners Needs

house-1158139_1280Three Kinds Of Coverage Every Homeowners Needs

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

Replacement Cost Coverage

You can insure your home and belongings for replacement cost, which pays the actual cost of replacing your home or possessions (no deduction for depreciation) up to the limit of your policy.

Suppose, for example, a fire destroys a 10-year-old TV set in your living room. If you have a replacement cost policy for the contents of your home, the insurance company will pay to replace the TV set with a new one. If you have an actual cash value policy, it will pay only a percentage of the cost of a new TV set because the TV has been used for 10 years and is worth a lot less than its original cost. Some replacement cost policies also replace the item and deliver it to you.

Insuring expensive items with floaters/endorsements

There may be limits on how much coverage you get for expensive items such as jewelry, silverware and furs.

If the limits are too low, consider buying a special personal property floater or an endorsement. These allow you to insure these items individually or as a collection.

Additional living expenses after a disaster

This is a very important feature of a standard homeowner’s insurance policy. This pays the additional costs of temporarily living away from your home if you can’t live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, restaurant meals and other living expenses incurred while your home is being rebuilt.

Coverage for additional living expenses differs from company to company. Many policies provide coverage for about 20% of the insurance on your house.

You should talk to your agent or company to make sure you know exactly how much coverage you have and how long the coverage will be in effect. In most cases, you can increase this coverage for an additional premium.

Call us today.  We can provide you will the right combination of coverage, and price, followed up with outstanding service.

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.