Health and Safety Risks Associated with Mold in Homes and Businesses

Posted on by TheSph3r3

Mold can result in a variety of health problems, ranging from itchy eyes to severe allergic reactions. Most home and business owners are not aware that mold is lurking in walls and ceilings or in damp basements. Since mold thrives on moisture, it can be found nearly anywhere, including on walls, ceilings, floors, fabrics, carpets, and even in ductwork. Mold poses many dangers in the home and business.

The dangers of fungi can escalate quickly. The growth of mold can begin with 48 hours of a surface’s exposure to moisture. If left unchecked, the mold will begin to grow and spread. Short-term exposure to fungi can compromise a person’s immune system, resulting in headaches, fatigue, burning throat, and flu-like symptoms. Respiratory problems are common when exposed to mold, and mold can increase the intensity and frequency of asthma attacks. Individuals with certain health conditions, such as severe allergies and asthma, are more susceptible to the dangerous effects of mold.

For more information on home or business insurance or coverage in the Las Vegas, Nevada area, please contact All Nevada Insurance.

How To Find The Best Agent For Your Business Insurance Needs

Posted on by TheSph3r3

As a business owner, you’ve likely gone to great lengths to find the right legal team, marketing firm or other advisor for your business. However, locating an insurance agent for your business is often not given the same weight, so to speak. Having a genuinely beneficial partnership with your business insurance agent is also really valuable. Therefore, we are offering tips on how to find the best agent for your business insurance needs.

First, looking for the least expensive solution is not the best approach, and here’s why. You can call around for quotes from various agencies, but an apples-to-apples comparison of the policies can often reveal huge coverage differences — differences that can severely affect your business in the event you need to file a claim. Next, even when the quotes are similar, you often have to look beyond the cost to the experience, versatility and long-term value of working with one agent over another. The old adage, "experience is a good teacher" is true, and that basic wisdom can often be highly beneficial to you. Also, having an agent who stays abreast of changes in industry regulations can prove to be a real benefit to you by providing information to help you respond to those changes quickly and effectively.

All Nevada Insurance is a fully licensed independent insurance brokerage with over 70 years experience serving individuals, families and businesses throughout seven states, including Nevada. In addition to business/commercial insurance product lines, the experienced professionals at All Nevada Insurance also write group health, worker’s compensation, life, and supplemental insurance policies for our business customers.

To get a fast, friendly, no-obligation quote, contact All Nevada Insurance today!

Two Important Facts About Marriage and Insurance

Posted on by TheSph3r3

All Nevada Insurance policies are slightly different. The coverage generally changes depending on several factors, one of the main ones being marriage. When you get married in Nevada, there are a two important factors you should keep in mind about your insurance coverage. This is true of your life insurance as well as your health and medical insurance.

Discounts

One of the first things you will notice, about most of your insurance coverage, is the discounts. Major insurance providers look at married couples as being more responsible than individuals. This means you will receive discounts and rewards simply for tying the knot. Some of these discounts can save you hundreds of dollars a year depending on current coverage packages and options.

Coverage Increases and Options

Another key change on insurance policies when you get married is the type of coverage options and increases you have. When you get married you will notice you may now have several other packages and full coverage benefits to choose from. Look over these carefully as some may offer much better coverage at your before discount rate.

When you decide to get married meet with your All Nevada Insurance representative for details on what changes you can expect.

All Nevada Insurance Named “Top Producer” in Nevada Second Year in a Row

Posted on by TheSph3r3

All Nevada Insurance has been named the "Top Producer" in the state of Nevada for the second year in a row for American Strategic Insurance. American Strategic Insurance provides homeowners, condo owners, seasonal, investment, umbrella, commercial, builder’s risk and flood insurance policies. 

Individuals and companies interested in reviewing, increasing or obtaining new insurance policies can contact All Nevada Insurance for any of their insurance needs. All Nevada Insurance is an independent insurance agency that can find the perfect coverage for anyone’s needs. 

All Nevada Insurance was named "Top Producer" through its consistent ability to match its clients with the insurance offerings that best suited them. Automobile, renters, homeowners, health, business and commercial insurance options are all available through the All Nevada Insurance company.

All Nevada Insurance has five locations in Las Vegas and Henderson, Nevada. For more information about the coverage options available through All Nevada Insurance, contact All Nevada Insurance today.

Support Heart Disease Awareness Month in February

Posted on by TheSph3r3

During a month of Valentine’s Day, love is in the air. It’s a time to show others you care and to give yourself some love. Support your heart’s health with recognition of Heart Disease Awareness Month through community involvement or individual awareness. Heart disease is the most common killer of women with this disease beginning as early as one’s teen years.

Show your support for Heart Disease Awareness Month by attending or participating in community or regional events in recognition of heart disease. Additionally, you can make small changes in your own lifestyle as a way to reduce the chances that you will suffer from this killer. Choose not to smoke as smoking and secondhand smoke are related to respiratory issues associated with heart disease. Eat healthier foods and cut back on those unhealthy substances including salt, alcohol, saturated fat, trans fat and sugar. Remember to get plenty of physical activity. You should raise your heart rate to a healthy elevation for at least 2 ½ hours every week.

Here at All Nevada Insurance of Nevada we hope that you will be here to celebrate many more Valentine’s Days to come. In order to become a healthier individual, opt for health or life insurance coverage that will grant you the protection you need for paying for heart related doctor’s visits. Contact us today to get started.

Three Ways to Find the Right Insurance for You

Posted on by TheSph3r3

All Nevada insurance companies will offer the same basic coverage. However, there are certain companies that may have more or fewer options depending on certain factors. If all the life, medical, and auto insurance options are confusing you, and you need help finding the right coverage option, then consider these three basic methods to help.

Determine Your Needs

The first and best step to take in order to find the insurance coverage that is right for you, is to determine your needs. List your basic needs and determine which coverage options meet those requirements. Don’t forget to consider how much you can afford as one of your insurance needs.

Reflect on the Insurance

Reflect on the insurance and what you would need in an accident. Think about a basic accident and walk through what coverage options are best for you. List these options and what the best case scenario is for your insurance.

Contact an Insurance Agent

Once you have considered the various options and determined your needs, it’s time to contact the agent. Let your agent know your needs and what you think you will want in case of an accident. They will be able to help you determine the best insurance for your needs. 

Tips for Keeping Your Child Safe this School Year

Posted on by TheSph3r3

All Nevada insurance has a goal in mind. That goal is to maintain the safety of their customers and their customers children. One way they can do this is through special coverage and package options. Offering tips to help families keep their children safe during the school year, is another way that All Nevada can help meet their safety goal.

Social Media

Safety on the Internet is a huge concern for many parents. A safety tip that insurance companies are now passing on to customers is to make sure that children are safe on and offline. Ensure that they are using social media responsibly. Make sure that, as parents, you know who your children are interacting with online and who is on their friends list.

Know the Parents

 Have contact numbers for the parents along with addresses and backup numbers should something happen. Also, make sure you walk with your children to and from the location or that you drive them to and from the location. 

Remember, the goal is to keep your children safe while they are away and at home. Make sure you know their friends, know their patterns, and you have ways to contact other parents if necessary.

Las Vegas Locals Have A Host Of Great Events In February 2014

Posted on by TheSph3r3

Las Vegas locals have world class entertainment near their front door all year long with fabulous shows by big name stars at places like Planet Hollywood and The House of Blues. For February, 2014, locals will be enjoying events like the 10th Anniversary Love Affair on February 15th. Held at the Orleans Hotel and Casino, this Valentines Weekend music concert features R&B hit artists from the 1970s and 1980s. Go out and swoon to the tunes of Midnight Star, Heatwave, The Delfonics and more. 

Beginning on February 14th,  Las Vegas locals can check out the 50 Greatest Photographs of National Geographic for a breath-taking visual arts display. It will be held at the Venetian Resort Hotel Casino. This traveling exhibition features the most remembered and celebrated photographs from the magazine’ s 125 year history. 

On Thursday, February 13th, get in the mood for Valentines Weekend with An Intimate Evening With Clint Black Acoustic at Smith Center. Hear up close and personal songs from Clint’s debut album Killin’ Time, featuring his number one song "A Better Man." 

All Nevada Insurance likes to see Las Vegas locals healthy and happy. Get out and enjoy the month of February. 

For all your questions about insurance coverage, contact All Nevada Insurance serving Nevada.

Has Your Vehicle Been Declared a Total Loss? Here’s Why…

Posted on by TheSph3r3

Auto accidents that cause extensive damage to your vehicle may be considered a total loss. If you have auto coverage and the accident was your fault, you may receive compensation for the loss of your vehicle. If you were not at fault, the other party’s insurance is responsible for paying for your vehicle. There are several things you should know about vehicles that are declared a total loss.

What Is a Total Loss?

Most vehicles are considered a total loss when the cost to return the vehicle to its pre-loss condition exceeds the value of the vehicle. The structural integrity and the overall condition of the vehicle are taken into consideration before declaring it a total loss.

How Much Will I Get for a Total Loss?

If your vehicle has been declared a total loss, many insurances’ will pay the actual cash value (ACV) or market value of the vehicle based on its age, mileage, features, and pre-loss condition.

For more information on insurance or auto coverage in the Nevada area, please contact All Nevada Insurance.

Exploring Business Insurance Options

Posted on by TheSph3r3

Business insurance encompasses a wide range of coverage to meet your company’s needs. When purchasing your policy, consider the following options to acquire just the right protection to meet your business needs.  

Property and Casualty – covers damage or loss to your business property along with its contents.

Liability – protects your business from negligent action that causes other people harm. 

Worker’s Compensation – protects your employees from accidents on the job.

Health Insurance – covers health benefits for your employees

Life and Disability – protects your business assets in the event of death or disability of specific employees such as a partner, etc.  

Commercial Auto – provides coverage for property damage of your business vehicles in the event of accidents; also covers damage to others’ vehicles caused by your employees.

Business Interruption – protects your business from loss of income in the event you cannot operate due to equipment damage, property damage, etc. 

You can save money on your business insurance coverage by tailoring your policy to suit your particular business needs. Let All Nevada Insurance experts guide you through the various types of policies and help you make wise decisions for the business coverage you seek.