Month: February 2017

What You Need to Know About Flood Insurance for Your Business

Posted on by TheSph3r3
Flood Insurance for Your Business

Your business insurance isn’t your flood insurance coverage.

When it rains, it pours. When it pours over your building and business, it can be hard, or even impossible, to recover. Flood damage will affect your business as well as the premises, threatening the survival of your shop, warehouse, restaurant, office, or other commercial business. Dealing with the effects of flooding means more than just clearing up the flood damage, you also need to get the business operating as quickly as possible. When time is money, you have no spare minutes to waste.

Many small business owners are under the mistaken impression that their business insurance policies cover them for damages arising from floods. While your policy may cover water damage, flood coverage is entirely different. Just like homeowners flood insurance, commercial flood coverage must be purchased separately in a dedicated policy.

Most flood insurance is sold through the National Flood Insurance Program, which has a standard set of coverage available. Commercial customers in low or moderate risk areas can choose building and contents coverage or content only policy. Those in higher risk areas naturally pay more, and may not have the option to cover contents only.

Generally, the NFIP covers:

  • Damage to the building and foundation
  • Plumbing and electrical system damage
  • HVAC, water heater, and furnace damage
  • Built-in appliances such as dishwashers and fridges
  • Permanently installed carpeting
  • Permanently installed paneling
  • Window blinds
  • Inventory/merchandise
  • Computers
  • Machinery
  • Business interruption
  • Cash, currency, and stock certificates
  • Most automobiles

Does your business have the right protection in place? Stay safe throughout the storms by securing your commercial flood insurance policy today. Visit All Nevada Insurance, serving Las Vegas and surrounding cities in Nevada to get started!

How and Why to Check Your Tire Tread

Posted on by TheSph3r3
Checking Your Tire Tread

Check your vehicle’s tire tread to steer your way to safety.

Are you one of those motorists that only gets the tires checked when the car is in for a tune up? If so, it’s time to start checking tire tread more regularly. Tire tread ensures that we stay safe on the road by gripping the surface. In short, tires allow us to steer accurately, prevent hydroplaning on wet roads, and brake effectively. Without safe tire tread, the chances of accidents, incidents, and vehicle damage skyrockets.

In the United States, tire tread depth is measured in 32nds of an inch. When your tires reach 2/32”, the U.S. Department of Transportation recommends replacing them. Before you get out the tape measure, the simplest trick in the book is to perform the penny test that allows you to check whether you’ve hit the 2/32” threshold.

  • Place a penny between the tread ribs on your tire. (The rib is the raised portion of tread that spans the circumference of your tire.)
  • Turn the penny so that Lincoln’s head points down into the tread.
  • Look at eye level to see if the top of his head disappears between the ribs. If it does, your tread is still above 2/32”. If you can see his entire head, it may be time to replace your tires as the tread is no longer deep enough.
  • Check each tire and various places around each tire. Pay special attention to areas that look the most worn.

Another indicator of a worn-out tread already lives in your tire themselves. Every commercial tire comes with an indication bar embedded between the tread ribs at 2/32”. If the tread is flush with the indicator bars, it’s time to get a new set of wheels.

Along with correct tire pressure and tread comes reliable auto insurance. Skip the search of finding the right insurer for you – visit All Nevada Insurance today! Get started on securing a reliable auto insurance policy in Las Vegas, Nevada by giving us a call.

Top Dangers to Your Home (and How to Avoid Them!)

Posted on by TheSph3r3
Dangers to Your Home

Are you inviting dangers into your home?

Homeowners, are you aware of the top threats that linger in your home? You may not realize it, but there are more common hazards that lurk around homes. While you have a fine security system in check to deter thieves, you may be missing out on some of the key practices to protect your home from loss and damage.

Check out some of the top dangers to homes and how to prevent them!

Falls

Injuries from falls are the most common household hazard. In fact, one out of five older adults who falls suffers from a broken bone or head injury. Bad lighting, pet and child toys, and slippery surfaces all create the potential for falls. Make sure that you stay on top household cleaning and tidying so that your family and visitors stay safe.

  • Clear outdoor steps, ensuring they are free from debris, ice, and snow.
  • Use rugs and non-slip stickers in the bathroom and doorway entrances.
  • Add hand railings on stairs and in the bathroom.
  • Stow away the toys when they are not in use.

Fires

Hundreds of thousands of fires occur in U.S. homes every year, causing everything from mild smoke damage to complete devastation, including deaths. Luckily, there are ways to prevent a fire from getting out of hand.

  • Install fire alarms, changing their batteries often.
  • Never leave pets or children alone in a room with candles or a fireplace.
  • Unplug appliances when not in use.
  • Purchase a fire extinguisher and keep it near the kitchen.

Carbon Monoxide Poisoning

Low exposure to carbon monoxide can cause headaches and dizziness, while high levels cause vomiting, distorted vision, and even death. Control your risk of CO poisoning:

  • Install a CO detector and test the batteries often.
  • Keep up home maintenance by inspecting for CO leaks from your HVAC system, water heater, and other appliances that use oil, gas, or coal.

Now that your home is clear of clutter and potential threats, contact All Nevada Insurance to secure the right homeowners insurance for your needs in Las Vegas, Nevada.

Five Easy Ways to Protect Your Privacy Online

Posted on by TheSph3r3
Ways to Protect Your Privacy

In a digital realm of shared information, work to protect yours.

The joys of connected life are endless: conducting business, connecting with far away loved ones, entertainment, and shopping with ease. With all the benefits that come along with the digital era, the threats from criminals are easily overlooked – yet ever so present. Protecting your privacy and identity is essential in today’s world. For tips on how to do just that, read on!

Lock Your Screens

Set a password or PIN for every laptop, smartphone, and tablet you own. Any lost devices without a screen lock is an unprotected gateway for thieves. You’re essentially handing over your email, banking, social accounts, and more if you don’t lock your screen with a secure password (and 1234 is not fooling anyone!).

Set a Secure Password

When deciding on a password or code, it’s important to be unique but not personable. Avoid using your birth date, Social Security Number, or phone number as your PINs. For example, instead of using the password ‘Basketball,’ opt for ‘iLikeh00ps7.’ Although it may take you back to bad Instant Messenger usernames, the password will be more secure by using multiple words, upper and lower case, and numbers.

Receive Less Mail

When you give a company your name and address, chances are that the information will be added to direct-marketing lists and used by other companies to send you solicitations. Head to dmachoice.org to remove yourself from unwanted mailing lists.

Be Aware Before You Buy

When you see ‘https’ and a green padlock alongside a URL in your browser’s address bar, it means that the data is encrypted as it travels back and forth between the website and your computer. If you are visiting a dodgy-looking site that fills your screen with pop-ups and is missing the ‘s’ in ‘https,’ it’s best to click out of it and not revisit it again.

Back Up Your Data

Use a system that backs up your files automatically. That way, if you’re hit with a bug or attack, you’ll have the option of restoring your data.

Cyber attacks and criminals threaten individuals and businesses alike. To find out how to protect your business and yourself, visit the team at All Nevada Insurance, serving Las Vegas and neighboring cities in Nevada with reliable insurance policies!

Prepare Your Business from the Most Common Types of Insurance Claims

Posted on by TheSph3r3
Common Types of Insurance Claims

Common insurance claims that hinder businesses.

Even if your business has all the necessary insurance plans in place, are you doing your best to prevent property crimes, damage, and loss? Protecting your business comes easy with insurance policies, but safeguarding it to prevent accidents comes with safe habits and practices.

Check some of the top insurance claims that businesses file, and how to prevent these threats to your business!

Burglary and theft:

  • Put lights on timers: Set up a system where different room lights are turned on each night, keeping the perception of consistent late-night workers. Burglars are less inclined to break in if they think someone is there.
  • Hide it away: Blinds or remote tinted windows offer an excellent deterrent for spontaneous theft and break-ins.

Fire:

  • Install equipment: Maintain and install an automatic fire alarm that alerts the fire department when smoke is detected.
  • Unplug: Disconnect equipment when not in use and never overload sockets with plugs.

Water damage:

  • Assess flood risk: In heavy rain, where does water pool around the building? Are you located near a water source? Once you’ve determined your flood risk, you can assess what steps to take to prevent water damage.
  • Insulate exterior pipes: When pipes freeze, they can burst. Always wrap exposed and exterior pipes with insulation to prevent them from freezing in the first place.

Customer slips:

  • Clear the clutter: Ensure that your team looks after the work environment by putting away items when not in use, tying up loose cables, and clearing up spills as soon as they occur.
  • Review General Liability Insurance: This coverage can help you to pay for a loss that may arise from a slip and fall in the workplace.

Vehicle accidents:

  • Maintain vehicle health: Give the business vehicles tune-ups frequently, such as changing the oil regularly, checking the fluids, and renewing tires and brake pads. If the car is operating smoothly, it may lower the chance of an accident.
  • Be wary of weather: If the weather gets so bad that the driver’s comfort levels lower, ensure that they know how to drive safely in inclement conditions. When the road conditions are bad, the chances of accidents increase.

While adapting to new, safe habits can be a challenge, insurance can be made easy. Contact All Nevada Insurance in Las Vegas to find out how to acquire the right commercial insurance to suit your business’s needs, vehicles, and risks, all at the right price.

What You Need to Know About Flood Insurance for Your Home

Posted on by TheSph3r3
Flood Insurance for Your Home

Understanding why your home needs flood insurance.

As a homeowner, it’s important to insure your home and its contents. Depending on your property’s location, your home is considered at high risk or at moderate to low risk of suffering from a flood. Even so, it’s essential to note that no home is completely safe from floods. Even if your home is situated far from a water source in the sun, floods can occur anywhere and at any time.

Many catastrophic events are not part of a standard homeowners insurance policy, but they are still insurable. In the case of floods, additional flood insurance must be purchased in order to receive coverage. If your home is located in a known flood zone, you might want to consider the National Flood Insurance Program (NFIP), which is part of the Federal Emergency Management Agency (FEMA), which writes most flood insurance policies. Premiums vary widely, especially dependent upon the history of flooding in your area.

Flood insurance premiums also factor in:

  • Year of building construction
  • Building occupancy
  • Number of floors
  • Location of contents
  • Flood risk (e.g. flood zone)
  • Deductible and amount of building and contents coverage

Flood insurance isn’t federally required in moderate-to-low-risk areas, but it’s still a good idea! Believe it or not, but people in these areas file more than 20 percent of all NFIP flood insurance claims. Many homeowners in these areas can enjoy a policy at a reduced rate while maintaining reliable coverage.

If you reside in a high-risk area, your mortgage may insist that you purchase flood insurance through a federally regulated or insured lender. A standard-rated policy offers separate building and contents coverage so that you can have the peace of mind that you’re protected.

Should storms paralyze countless communities, you’ll be thankful that you have the right insurance in place. Don’t wait until it’s too late – many flood insurance policies take up to 30 days to kick into effect. The team at All Nevada Insurance is here to help you secure the right homeowners insurance for your new home! Visit us in Las Vegas, Nevada to get started today.

Do You Need Identity Theft Insurance?

Posted on by TheSph3r3
Identity Theft Insurance Las Vegas NV

This personal insurance protection could come in handy to those vulnerable.

Even though many of us don’t give it a second thought, identity theft is a real issue. It’s easy enough to believe that it won’t happen to you, but it’s clear that identity theft is on the rise. Every 2.5 seconds, an American falls victim to fraudulent use of their identity, and with the rise in technology, the number of crimes continues to increase. Given that statistic, should you consider identity theft insurance?

Check out what identity theft insurance can cover!

Fees – As you may have guessed, there are a staggering number of fees incurred along the way in re-establishing your identity, including re-application fees, notary and filing fees, postage, service charges, and legal expenses. The latter is what stacks up to any bill, and is likely to be one of the largest expenses that you’ll incur.

Lost Wages/Care Expenses – Restoring your good name is a time-consuming process. You may need time off work to deal with phone calls and appointments. This is where insurance steps in to cover lost wages and childcare or elder care expenses.

Affordable Coverage – Typically, premiums for identity theft insurance cost less for coverage for a whole year than a meal out at a restaurant. Ranging from $25-60 per year, and providing around $10,000-$15,000 in coverage, this insurance is well worth the purchase.

Theft Protection – Identity theft insurance may be bundled with methods of identity theft protection to provide a more comprehensive approach, and potentially lower premiums or a greater range of coverage.

When you’re working towards protecting your identity, let the professional insurers help. With identity theft protection, you have the peace of mind that you are covered and your finances are safe. Contact the professionals at All Nevada Insurance to secure your needed insurance in Las Vegas and neighboring cities in Nevada.