Understanding California’s Laws on Liability Coverage: Is Umbrella Insurance Necessary for Those in Santa Clarita?

Posted on October 21, 2024October 18, 2024 by admin

If you’re a resident near Santa Clarita, CA, protecting yourself from unforeseen claims and lawsuits is imperative, especially if you’ve invested in property, a home, or other assets in the region. California requires minimum liability coverage for homeowners and drivers alike, but these coverage limits are not always adequate for larger claims. At QuoteBroker Insurance Services, we can help you determine if an umbrella insurance policy is right for you for the coverage you need.

California’s Liability Coverage Requirements

California currently mandates a minimum liability coverage of $30,000 per accident, $15,000 for injury (or death of an individual), and $5,000 for property damage for any homeowner or automobile owner and driver in the state. While in many cases, these policies are suitable; the limits can quickly become exhausted if you experience a serious accident or injury on your property or as a result of your driving.

Why Umbrella Insurance is Recommended Near Santa Clarita, CA

Umbrella insurance extends liability coverage beyond the limits of primary homeowners or auto insurance you have to your name. If your standard policy currently covers $250,000 in total but is taken to court for $500,000, you may be responsible for the remaining funds not covered by your insurance policy. The right umbrella policy would cover the additional $250,000, protecting your personal savings, property investments, and assets you own.

Understanding California’s laws on liability coverage is imperative anytime you’re a resident living near Santa Clarita, CA, where home values, properties, and assets are often of high value. Protecting your property and investments should be a top priority when living in Santa Clarita, CA. To learn more about your options in terms of umbrella insurance and to determine if umbrella insurance is right for you, contact QuoteBroker Insurance Services directly today.

Can I Update My California Health Insurance Outside of The Open Enrollment Period?

Posted on September 30, 2024September 26, 2024 by admin

What Is Open Enrollment for Santa Clarita, CA Health Insurance?

“Open Enrollment” refers to the period in which California state residents are eligible to apply for or make changes to new and existing health insurance policies.

In most cases, the open enrollment period for changing insurance plans, coverage, or dependents occurs only once each year.

However, a few exceptions to the open enrollment rules allow certain changes to be made outside the standard enrollment period.

Contact QuoteBroker Insurance Services if you’re experiencing one of the extenuating circumstances above or if you need health insurance advice from a trusted local insurance professional.

Exceptions to California’s Standard Open Enrollment Period

Qualifying life events include losing your primary source of income, experiencing a steep income reduction, relocating, and getting married (or divorced).

These extenuating circumstances allow some California health insurance policyholders to update, change, cancel, or modify their health insurance plans outside the statewide enrollment period.

Other special circumstances that can supersede the dates of California’s upcoming open enrollment period include:

Having a Baby
Adopting a Child
Becoming Eligible for Medicare
Losing Eligibility for Other Insurance

Our team of licensed insurance experts can help you determine if you qualify for an open enrollment exemption and help you choose the best health plan to meet your family’s healthcare needs based on medical conditions, lifestyle, and budget.

Don’t wait until it’s too late to explore your health insurance options and get adequate coverage.

Contact QuoteBroker Insurance Services in Santa Clarita, CA about enrollment options outside of California’s upcoming open enrollment period today!

What value will come with a full auto insurance plan in Santa Clarita?

Posted on August 30, 2024August 22, 2024 by admin

Being a car owner in Santa Clarita, CA is quite common. As such an owner, ensuring you have a right and comprehensive insurance plan is crucial. Multiple benefits and value additions come with a full auto insurance policy in this area.

Vehicle Coverage

One of the significant benefits of auto coverage is that it offers assured protection for your car. With a collision and comprehensive plan, you get coverage for an array of risks. This scheme includes support for repairing or replacing your vehicle if it gets stolen or damaged in an accident. Such support can be beneficial in various situations.

Liability Support

Auto insurance is also beneficial for the liability support it provides. If you cause an accident, you would be responsible for the damages that result. In severe accidents involving significant injuries and extensive damage to the other vehicle, these costs can quickly add up. However, a full auto insurance plan ensures coverage and will reimburse these costs.

If you are considering building an auto insurance plan in Santa Clarita, CA or nearby, seeking reliable assistance is advisable. Our team at QuoteBroker Insurance Services understands the needs of vehicle owners in California and can help you construct the perfect plan. We at QuoteBroker Insurance Services ensure to provide the necessary guidance to create a comprehensive insurance plan tailored to your needs.

How Business Insurance Covers Wind and Hail Damage

Posted on July 30, 2024July 25, 2024 by admin

Hailstorms and gusting winds can be the source of serious damage to business properties. The necessary repairs after the storm can disrupt your business and be substantially costly. However, having the right insurance coverage can offer protection for business owners. Our team at QuoteBroker Insurance Services in Santa Clarita, CA, explains the ins and outs of small business insurance.

Types of Business Insurance That Covers Hail and Wind Damage

There are a few different options for business owners looking for a weather-related property.

Commercial Property Insurance

Also known as business hazard insurance, commercial property insurance often covers hail and wind damage. However, whether it does or not depends on the property’s regional location. In many places, wind and hail claims are covered by a standard commercial property policy. Those in hurricane-prone areas may need to buy a separate policy with a separate deductible. Another option is to bundle policies that provide both standard and weather-related damage.

Business Interruption Insurance

Business interruption coverage can financially assist policyholders who temporarily cease operations due to storm damage. This coverage typically applies to physical damage and is in effect for a set time period.

What About Business Vehicles?

A comprehensive commercial auto insurance policy covers you from theft, fire, property damage, and medical expenses. You’ll want to check your policy or contact your insurance provider to see if it covers wind and hail damage.

Looking To Invest in Wind and Hail Damage Coverage?

We have an array of weather storms here in Santa Clarita, CA, that can cause high winds and hail storms. Getting the right coverage to protect your business is easy when you call QuoteBroker Insurance Services. Our agents will discuss your options and give you a quote.

What to Know About Workers Comp Insurance

Posted on June 28, 2024June 27, 2024 by admin

Understanding Workers Comp Insurance

Workers comp insurance might be a prerequisite if you own a business in the Santa Clarita, CA area. At QuoteBroker Insurance Services, we’re here to guide you toward the coverage you’re aiming for while ensuring you have peace of mind. We’re here to address your queries, enabling you to make an informed decision when selecting a policy. Not all businesses require this type of insurance, so determining if it’s mandatory for you is the initial step.

A workers comp policy is designed to safeguard your employees and cover their expenses should they get injured on the job. If your business lacks employees or doesn’t involve physical labor, you might not require this type of insurance. However, larger firms and those mandating manual or physical labor generally need ample coverage. The policy isn’t just beneficial for the employees but also ensures the safety of your business.

The most effective way to ascertain whether you require this protection and learn about the options it provides is to collaborate with a devoted and trusted insurance agent. We can clarify your uncertainties about different types of insurance and provide quotes from several insurers. This approach allows you to evaluate your options and choose the one that aligns with your needs and objectives. Furthermore, you may need to adjust as your company evolves.

If you’re in the Santa Clarita, CA area and searching for more information on workers comp insurance, contact us today at QuoteBroker Insurance Services. We’re here to help you pick the right policy and feel confident about the coverage provided to your business and employees.

Umbrella Insurance: FAQs

Posted on May 29, 2024May 29, 2024 by admin

Umbrella insurance remains one of the most underestimated types of insurance. However, in reality, it is one of the most beneficial insurances. The mission of umbrella insurance is to kick in and cover a policyholder after they have exhausted the limits of other policies they have. If you are thinking about getting an umbrella insurance policy, look through the answers to the most common questions first.

1. What is exactly covered by umbrella insurance?

Umbrella insurance covers various problems, including property damage to others, body injury to others, legal costs in case of a lawsuit, and others.

2. Is umbrella insurance expensive?

No, umbrella insurance is one of the most affordable types of insurance. For example, a policy with a $1,000,000 coverage may cost no more than $500 per year. It is around 80 cents a day. In other words, you can buy yourself peace of mind for only a few cents daily.

3. Will an umbrella policy cover all family members?

It may extend to other family members, including a spouse and children. However, certain exclusions may apply. It is important to read the policy first and ask an insurance agent or insurance company your questions before signing the agreement.

Umbrella insurance is an excellent tool for getting additional protection if something happens. If you are considering getting insurance in Santa Clarita, CA, QuoteBroker Insurance Services is the local company that will gladly help you find the policy you need and live. If you have any questions, feel free to reach out to us. You can give us a call or visit our website for more information.

Seen Your Doctor Lately? Make Sure You Still Have One

Posted on April 29, 2024April 29, 2024 by admin

The typical view of "seeing the doctor" is that you do it at least once a year for an annual checkup. But not everyone follows this timetable; many don’t see a doctor for years. This can have a consequence that many people don’t realize is possible: Their old doctor may no longer be their doctor, and they may not be able to see that doctor anymore. QuoteBroker Insurance Services in Santa Clarita, CA, wants you to be aware of this if it’s been a while since you’ve had a doctor’s appointment.

Time Limits to Keep Patient Numbers Reasonable

When you have a doctor you see regularly, you’re considered to be one of that doctor’s current patients not only by the doctor but also by any administrative staff, as well as by your insurance, if you have that. However, doctors can see only so many patients before their schedule becomes so full that patients have to wait weeks to get an appointment.

Many doctors have time limits on when they’ll consider someone to be a current patient. If you go too long without seeing the doctor (e.g., three years with no appointments), you could be "kicked off" their roster of patients. You’d have to re-establish yourself as a new patient for that doctor, but if they aren’t accepting new patients at that time, then you may find you’re not able to see them again. And finding a new doctor now can be difficult.

Reasons for not seeing a doctor for so long range from just feeling great and not thinking you need to go to not having insurance and not being able to afford the fees for the appointment. QuoteBroker Insurance Services in Santa Clarita, CA, can help you find a policy that makes seeing your doctor financially feasible.

Reasons to Consider Roadside Assist Auto Coverage

Posted on March 29, 2024March 25, 2024 by admin

California and Mandatory Auto Liability Coverage

While auto liability coverage is obligatory in California, the option for additional protective layers, such as roadside assistance, remains on the table. Ideal for regular or long-distance drivers, roadside assistance can be a lifesaver during unplanned vehicle breakdowns. Understand this critical component of auto insurance coverage with QuoteBroker Insurance Services in Santa Clarita, CA.

The Cover Extended by Roadside Assist

Roadside assist hosts a slew of services aimed at aiding recovery from road breakdowns. The coverage varies, so checking its benefits with your current insurer is critical. In general terms, roadside assist typically includes:

Towing services in case your vehicle is not drivable due to an accident or breakdown.
Jump-start services
Flat tire changes
Fuel delivery when you run out of gas
Lockout services help you regain access to your vehicle if you misplace your keys or lock them in.
Extrication services to pull your vehicle out of a ditch or any other tight spot near a public road.

Why Choose Roadside Assist?

Can you imagine being stranded far away due to an unexpected breakdown and lack of necessary assistance? Roadside assist provides the peace of mind of having help when you need it most. With roadside assistance, you can’t necessarily predict when your car will encounter problems. Still, you can be prepared by having coverage to pay for basic necessities, which will help you get back safely on the road.

Ready for Roadside Assistance?

Is roadside assistance the missing piece in your auto policy? Contact QuoteBroker Insurance Services in Santa Clarita, CA, today, and we will help you add this beneficial coverage.

Do You Need Errors & Omissions Insurance?

Posted on February 29, 2024February 20, 2024 by admin

Some of the most important insurance coverage for small business owners is a kind of policy many small business owners don’t know anything about.

It’s errors and omissions insurance. At QuoteBroker Insurance Services, serving Santa Clarita, CA, we ensure all our business clients know about it.

What Is Errors & Omissions Insurance?

Errors and omissions insurance protects your business from claims for negligence, mistakes, or inadequate work. It also covers when you are accused of inaccurate advice, dishonest advertising, or failure to act in good faith.

If you are a small business owner in California, you know you can be sued anytime for almost any reason. You don’t have to have made an error or an omission to be sued for errors and omissions!

Even if you win your case, you have to pay your legal fees. Errors and omissions insurance covers your legal fees and allows you to avoid making a settlement just because you don’t have the cash to pay your lawyer.

What Kinds of Small Businesses Need Errors & Omissions Insurance?

QuoteBroker Insurance Services often writes errors and omissions policies for:

Certified public accountants.
Realtors.
Bookkeepers and tax preparers.
Graphic artists.
Website designers.
Interior decorators.
Photographers.
Marketing consultants.

Insurance agents also carry errors and omissions insurance. How much coverage you need depends on the price of the services you provide.

The State of California Does Not Require Errors & Omissions Insurance, But Your Customers Might

There is no state or federal requirement for small businesses to carry errors and omissions insurance. But your clients may want you to carry it.

Errors and omissions policies usually have a retroactive date. They cover you 30 or 60 days before you buy the policy. So, if you need coverage, come into QuoteBroker Insurance Services to get your policy today! We are convenient to everyone in the Santa Clarita, CA, area.

Why You Should File Your Worker’s Compensation Claim Quickly

Posted on January 22, 2024January 25, 2024 by admin

Worker’s compensation insurance is essential for all companies operating in Santa Clarita, CA. How you use it is as essential as getting it to protect the interests of your companies and your workers. When you need to make a claim, QuoteBroker Insurance Services will be there for you to help you with the particulars.

Making the Most of your Worker’s Compensation Insurance

No one wants to see their employees hurt on the job. Unfortunately, mishaps are a common occurrence. While your employees have an obligation to report their work accidents as soon as possible, you also must report them promptly to your insurance company.m Avoiding the task can put your policy at risk and protect you and your employees in multiple ways; avoiding the task leaves your business open to unnecessary risk. Bear in mind that your policy is there to protect you and not cause problems.

The Benefits of Prompt Accident Reporting

Some industries, such as the construction trades, have frequent accidents, both minor and major, that must be reported. The tendency is to overlook minor incidents, thinking the employee’s health insurance will solve the problem. However, if it occurs at work, you’re responsible. Consider the following benefits for prompt reporting:

Employees get the prompt medical attention they require
Reduces the cost of the claim
Keeps employees happy and boosts morale
Reduces the chance of violating state law
Avoids state penalties and fees for late filing

No one wants to endure an injury, least of all someone who sustains one on the job. Worker’s compensation insurance is available to help keep everyone healthy. Ask the agents at QuoteBroker Insurance Services, serving Santa Clarita, CA, how to get an economical policy that serves the needs of your industry and its employees.

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