For clients and prospective clients of Insurance Services Group, we wish to avail ourselves 24 hours a day, 7 days a week. Our claims center can handle a variety of issues including:
Bowling centers are a changed space. In the 21st century, they provide everything from fun and safe family activities, to exciting and novel dates, and even a place for athletic camaraderie. They even provide a sense of community, and a place for people to get to know one another. But like all business, bowling centers have liability, exposure, and the potential for litigation. From heavy projectiles and slicked floors to food service operation and more, bowling centers can be a hotbed for liability. Thus optimized bowling center insurance is crucial to preventing litigation and minimizing operating expenses. Insurance Services offers California bowling center insurance, Oregon bowling center insurance, and Washington bowling center insurance. In fact, it’s our specialty. For more information, contact us.
Like a home, a marine vessel is a large investment. Protecting that investment requires comprehensive Seattle, Washington marine insurance. Insurance Services Group knows that this is the way to get the best possible rates for comprehensive coverage on sailboats, fishing vessels, and cruising yachts, whether the vessel is in or out of the water. More specifically, offering protection against theft, vandalism, windstorm, hail, lightning, fire, explosion, damage in transit, collision and sinking is critical. Protection against accidents and passengers can be very important, as well as customized coverage, to include such options as emergency service, physical damage of your boat and equipment and personal effects. When so many factors weigh upon a boat owner, it’s crucial to find a trusted local or regional provider for Seattle marine insurance.
Seattle, Washington construction insurance covers the building phase of a residential or commercial edifice. Unlike Seattle homeowners insurance, Seattle construction insurance (also known as builders risk policy) covers the unfinished structure and acquired materials. Seattle construction insurance covers losses from rain damage, wind damage, and other factors often not covered by Seattle liability insurance, and must be purchased prior to inception of the construction project. The insurer may ask for a copy of the building contract before issuing such a policy.
Seattle construction insurance doesn’t cover the implied value of a structure; only the funds expended to the point of the damage. If a homeowner is building a $220,000 home but spends only $80,000 when a storm destroys the structure, he or she will receive $80,000, even if under the impression that the home has reached greater value at that point in time. For more on Seattle construction insurance and Washington construction insurance, contact us.
Seattle, Washington property insurance can cover many different physical components of a business. Computers, files, furniture and product inventory are all protected with a Seattle property insurance policy. When you think of property insurance, thoughts often gravitate toward large objects like buildings and infrastructure. Yet it’s often the smallest pieces of business property that are most critical. Thus the importance of a great Washington property insurance policy. With it, you will be protected for the replacement cost of all of your vital property. As always, regional and local laws can make a difference, so make sure your policy is tailored to your area of operation: Seattle property insurance, Tacoma property insurance, or Renton property insurance. Worried about the costs? California property insurance is scalable to the extent of property you want to cover so it can easily be controlled to fit needs and budgets. Seattle property insurance is available to business owners with property to insure. Even those who lease space will want to consider the value of furniture, equipment, inventory and files.
Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Policies usually include collision and damage coverage as well as coverage for property and personal damage to others. These policies often pertain to both small and large trucking fleets, which of course, are currently concerned with the new CSA regulations.
Just like you need auto insurance for your own car, you need business auto insurance or truck insurance to cover your business-owned or leased vehicles. If you, or any of your employees have an accident in your business’s car, you may be liable for bodily injuries, lost wages or any damage caused.
Typical coverage includes:
Bodily Injury Liability – Coverage for damages that involve bodily injury to others for which you become responsible under law.
Property Damage Liability – Coverage for damage to property of others for which you become responsible under law.
Medical Payments – Coverage for reasonable and necessary medical expenses and funeral services for those who are accidentally injured while in your automobile or while getting into or out of your automobile.
Personal Injury Protection – Coverage for medical, hospital, rehabilitation, loss of wages or loss of services costs resulting from injury to you or any resident family member. In case of death to the insured or a resident family member, death benefits and survivor benefits, if applicable, will be provided.
Other coverage that may be obtained include:
Comprehensive – Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.
Collision – Protection for the collision damage to your automobile and its equipment, subject to the deductible on the policy.
Uninsured Motorist – Coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable.
Underinsured Motorist – Coverage allows you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.
Additional Expense – Coverage for necessary additional expenses incurred as a result of a loss for which you are protected under comprehensive or collision coverage. These expenses include rental cars, food, lodging and other incidental expenses.
Hired Auto Liability Coverage - Covers liability for automobiles hired under contract on behalf of or loaned to the named insured.
Hired Auto Physical Damage – Coverage for an automobile of any type, hired, borrowed or leased on a short term basis for use in the insured’s business.
Employer’s Non-Ownership Liability – Coverage for a private-passenger automobile used in the business of the named insured by any person, or the occasional and infrequent use of a commercial automobile in the business by any of your employees.
Seattle commercial auto insurance, Washington commercial auto insurance, Seattle trucking insurance, Washington trucking insurance, and other coverages are crucial to business operation. Managing these risks and expenses wisely is the key to operational success. Thus when investing in such coverages, it’s crucial to find a trusted local or regional firm. They will know the local and state laws pertaining to how much insurance you will need and can help you decide the right coverage mix for your commercial vehicle insurance. Insurance Services Group helps Seattle and Washington businesses and individuals with their specific insurance needs.
Health & Money
Health insurance is crucial for individuals and families, having notable effect on both well-being and finances:
Consulting professionals at independent agencies like Insurance Services Group can mean the difference between a steady, managed cost and explosive, unexpected costs. Seattle health insurance and Washington health insurance enable you to protect yourself and your loved ones. Don’t wait until disaster strikes – be prepared.
