enero 23, 2012
AgencyCan a Hybrid Car Reduce Your Insurance Premiums?
There are many reasons one can decide to buy and drive a hybrid vehicle. It may be due to concern over climate change issues, or a means of reducing dependency on fuel. It may also be a way to reduce overall gas costs or it could be that the driver doesn’t want to contribute to […]
enero 16, 2012
AgencyDo I need a commercial auto insurance policy?
As a businessowner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use […]
enero 10, 2012
AgencyDriving in the rain? Tips for staying safe
Spring is finally here. Which, in many places—like Mobile, Ala., and Hilo, Hawaii, two of the rainiest cities in the country—can mean more frequent encounters with wet or slick roads. Knowing how to prevent hydroplaning (when you lose traction and skid on wet roads)—and react if you do skid—can help you stay safe on the […]
enero 3, 2012
AgencyUnderstanding Your Insurance Deductible
Understanding the role deductibles play when insuring a car or a home is an important part of getting the most out of your insurance policy. A deductible is basically the amount “deducted” from an insured loss. Deductibles have been an essential part of the insurance contract for many years and represent a sharing of […]
diciembre 21, 2011
AgencyTexas School May Build Safety Wall After Shooting Injures Students
By Christopher Sherman | December 15, 2011 Dozens of law enforcement officers trudged through soggy brush near a South Texas middle school on Dec. 13 looking for casings and other evidence to help explain how two boys were shot while they were trying out for the school basketball team. Investigators have questioned three men who […]
diciembre 21, 2011
AgencyIs General Liability Coverage Enough?
General liability insurance is the backbone of many contractors’ insurance portfolio, but it may provide too general a coverage option to really protect your business. What Does General Liability Cover? For third-party bodily injury and property damage claims, general liability insurance provides an important form of protection. The rest of the coverage offered by the […]
diciembre 20, 2011
AgencyRefer a Friend and You Could Win a $25 Gift Card!
We love referrals! The greatest testament that our customers can provide is by referring their friends and family to Contractors Insurance Services. All you have to do is be a new or current customer and refer 4 of friends, family, coworkers, anyone you think will benefit from our great prices and excellent customer service. If […]
noviembre 17, 2011
AgencyWhy do I have to carry so much Insurance on my Commercial Property?
This is a great question, and one that customers ask often. Your policy includes what is called a co-insurance provision. Co-insurance is basically an agreement between you and the insurance company. In exchange for your agreement to insure the property for at least a specified percentage of its actual value, the company agrees to issue […]
octubre 19, 2011
AgencyThe Difference Between Replacement Cost and Actual Cash Value on a Home
Most people know that Insurance companies are good about reimbursing you when you have experienced a loss that falls within the parameters of your home insurance policy. But how much do they know about the mechanics of that reimbursement? What you might not realize is that your insurance policy may entitle you to one of […]
septiembre 20, 2011
AgencyUnderstanding Business Auto Insurance
Almost every business owner has asked him or herself—Do I need business auto insurance? Many try to justify not having a business insurance policy by thinking about the fact that their business doesn’t own a vehicle, even though their employees use their own automobile for business errands. Or, they assume that their personal insurance policy […]