How Often Should I Review My Insurance Program?
Most Homeowners insurance companies will send out a reminder for a renewal of your home insurance policy when the end of the year is up for your insurance coverage. Many will also automatically renew your policy unless you call and let them know that you want to change or cancel that policy. This makes it…
Read MoreWhy Is Commercial Auto Insurance Important?
Do you operate a business that requires you to have a vehicle to deliver your goods and services to your clients? Do you have a fleet of delivery trucks that are on the road 24/7? Small firms who own or operate vehicles have the same risks as large firms. You are at risk from losses…
Read MoreSome Good Insurance Related Questions
We recommend asking your agent a series of questions to better understand what your insurance covers and does not cover. At Valley Oaks Insurance Agency, we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep…
Read MoreHow To Find A High Value Insurance Agent
When searching for the right commercial insurance agent for your business, you should find someone who focuses not only on providing excellent coverage but also on providing excellent customer service. They serve as an additional business partner to assist you in enhancing your business operations. There are two prevalent types of insurance agents: captive and…
Read MoreCommercial Property Update
Several industry surveys predict that property insurance costs will rise even more in 2023, especially in the west and south, which are more prone to natural disasters. The twentieth consecutive quarter of rising rates occurred in the fourth quarter of 2022. Due to the high cost of reinsurance or the difficulty in obtaining it in catastrophe-prone…
Read MoreWhat Kind of Businesses Need Professional Liability Insurance?
If you’re a business owner, you spend most of your time thinking about how to grow your business. But it’s easy to remember one of the fundamental building blocks: professional liability insurance. What is it? Why do you need it? And what does it cover? Why Does Your Business Professional Liability Insurance? What Does Professional…
Read MoreWhy Business Insurance Is Important
We Offer Great Business Owners Packages Business insurance is important for many reasons. It can protect your business from financial ruin in the event of unexpected losses or liabilities. For example, suppose your business is sued for causing injury to a customer or damaging their property. In that case, your business insurance can cover the…
Read MoreHow To Get The Most Out of Your Home and Auto Insurance This New Year
With the beginning of a new year, it is important to review your home and auto insurance policies to ensure you are getting the most out of them. To begin this process, here are some questions you should ask when reviewing your policies; “What is and is not covered with my policies?” “Do I need…
Read MoreSmall Business And Cyber Risk
If your business stores or controls any kind of personal customer information, you have a cyber liability risk. Even if you don’t store customer information electronically, you still have a risk of identity theft. The insurance industry has a key role to play in helping U.S. companies strengthen cybersecurity, a senior Treasury Department official said…
Read MoreCommercial Insurance Keeps Your Business Running
Small businesses account for 89 percent of all companies. A small business is one that employs fewer than 75 people. In reality, most small businesses have seven or fewer employees. When you own a small business, it doesn’t take much to derail it and force you to close your doors. Having the right commercial insurance can provide you…
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