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Personal Umbrella Insurance

You’ve worked hard to earn your lifestyle. Consider adding additional liability protection to your Auto, Home, Renters or Condo policy. Personal Umbrella Liability coverage added to your other policies can protect you, your spouse and any relatives living in your home. 

Umbrella Insurance Protection

Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an umbrella insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella insurance can provide limits above your business insurance, personal auto and home policies.

Umbrella insurance provides broad insurance beyond traditional insurance. It provides additional liability coverage above the limits of your primary insurance policies. 

It is true that personal umbrella insurance may not be for every business or individual. That said, if you are a business owner, wanting to protect your company’s resources and financial resources for your future, own your home, a boat or recreation vehicle, you should consider an umbrella insurance policy.  Having the added protection of an umbrella insurance policy is coverage no one should go without. Call us today, for a free review.

High Net Worth Individuals

Do you own a boat, second home or have other expensive toys? Often high net worth individuals need higher liability limits to protect personal assets. A simple rule is, the more you own the greater risk you may have of losing it. The nice thing about an umbrella policy is that it is competitively priced. Usually, it costs about $300 per year for each $1,000,000 increment of insurance that you buy, and it can bring you great piece of mind (in some cases it will be higher or lower)

At Valley Oaks Insurance Agency, we are committed to the safety and security of you and your family, which is why we will work with you to create a perfect policy that protects all of your interests. Since Personal Umbrella Insurance will vary depending on your individual coverage needs, it’s important to discuss your options with one of our insurance specialists before making a decision.

Something Your Business Insurance Might Be Missing

If your business suffered a property loss, are you confident that your building would be restored to its pre-loss condition—including any changes in building codes?  It is a sobering fact that over 30% of businesses that suffer a total loss never resume operations.  If these businesses had purchased the right insurance, they might have been able to continue operation.

One of the often-misunderstood kinds of insurance is called “building ordinance and law coverage.”  This kind of insurance provides an additional amount of coverage for the enforcement of building codes that have been updated since your building was first constructed.  Structures that have been damaged may need upgraded electrical, heating, ventilating, and air-conditioning (HVAC), roofing materials, fences, and plumbing based on city codes. 

Here are some examples of how ordinance and law coverage has helped a business:

  1. This coverage provided $20,000 to upgrade windows to meet new environmental standards.
  2. New codes required the business to install a sprinkler system at the cost of $125,000.
  3. This coverage provided $11,000 for the installation of handicapped entrances and bathrooms.

Building ordinance and law coverage can have a specific limit based on your needs.  We recommend you contact us to complete a review of your coverage and make recommendations to meet your needs.

Valley Oaks Insurance Agency provides insurance to businesses in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, Folsom, and surrounding areas.

No matter what business you’re in, each workday is dedicated to doing our job well and providing our customers with the best service possible. 

At Valley Oaks Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom. 

Are Wildfires Covered Under A Home Insurance Policy?

According to the Federal Government, almost 90 percent of the wildfires in the United States are caused by humans.  Wildfire can occur is the country and major cities. Wild fires can start in a vacant lot and spread to neighborhood very quickly. From January 1 to March 31, 2017, there were 13,458 wildfires, compared to 9,218 wildfires in the same period in 2016. Source; iii.org

Wildfires And Homeowner’s Insurance

Unlike earthquakes and floods, wildfire damage should not require a completely separate policy, and probably does not even require a high risk policy. It is a good idea, however, to know what your homeowner’s policy does cover.  In many cases wildfires are covered, but it is always good to call your agent for a homeowner’s insurance review.

If your homeowner’s policy covers wildfires it would normally protect the building and contents from a covered loss. In addition, you will need additional living expenses if you must leave your home during re-construction.

Wildfire Prevention

Become familiar with your community’s disaster preparedness plans and create a plan for your family. Identify escape routes from your home and neighborhood and designate an emergency meeting place for your family to reunite if you become separated.

  • Use fire resistant materials for roof and home construction.
  • Keep wood piles at least 30 feet from your home.
  • Create a 100 foot safety zone around your home.
  • Prune trees within 15 feet of any chimney outlet.
  • Follow local ordinances when burning yard waste. Avoid backyard burning in windy conditions, and keep a shovel, water, and fire retardant nearby to keep fires in check. Remove all flammables from your yard when burning.
  • Make sure that fire vehicles can get to your home. Clearly mark all driveway entrances and display your name and address.
  • Teach children about fire safety. Keep matches out of their reach.
  • Keep roofs and gutters clean and free from debris.
  • Have a ladder that reaches your roof.
  • Have an extra-long hose.
  • Rake leaves, dead limbs and twigs. Clear all flammable vegetation.
  • Back as many vehicles as possible into the garage, then close the door. In the event that you evacuate, remember to close the garage door behind you as you leave. If you do not have a garage or if yours is full, park your vehicles heading in the direction of the evacuation route.

At Valley Oaks Insurance Agency, we’re committed to keeping your home and business protected – so you can focus on other things. And with the right insurance plan, your home and business will be covered from top to bottom

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.


The Importance of Reviewing and Updating Insurance

When was the last time you reviewed your personal insurance coverage? Did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

When was the last time you reviewed your personal insurance coverage? The New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

Personal Insurance

  • Review my insurance to make sure I have the right coverage
  • Take the time to read my insurance policies
  • Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?
  • Make sure I have identity theft insurance
  • Do I have enough life insurance?
  • Do I need life insurance for my spouse?

Other Items To Consider (you may need insurance for some of these)

  • Bought a new car or sold a car
  • Changed your marital status
  • Bought a boat, RV or ATV
  • Change of address
  • Welcomed a new baby into the family
  • Major inheritance
  • Have a new teen driver in the family
  • Child headed off to college
  • Purchased second home
  • Plan foreign travel
  • Started a home based business
  • I now drive my personal car for work

The Insurance specialists at Valley Oaks Insurance Agency serve to help you coordinate an insurance program that determines the best coverage options for your needs – for benefits and quality discounts that help you save.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance

 


Five Keys to Improving Your Personal Insurance

A Personal Insurance Update

We work to ensure that your personal insurance provides the protection you deserve and need.  We understand you may need different coverage like a personal umbrella, RV insurance, valuable articles coverage, earthquake, or flood coverage.

Over the years, we have found that homeowners who adhere to the following strategies have a better chance of obtaining the best possible combination of coverage, price, and service.

  • Use an agent like us to represent you in the market.  We know and understand personal insurance, and we are much better equipped to help you manage your personal insurance program.  
  • Only use financially strong insurers.  It is vital that your insurance is there to pay for claims.  Look for insurers with an “A” rating by AM Best.
  • Make sure you have high liability limits.  It is essential that every homeowner have enough liability insurance to cover the unexpected events.  This is especially true if you own an RV, ATV or boat.
  • Consider increasing your deductibles.  Often a slight increase in your deductibles can reduce premiums.  If you are able to manage a larger deductible, you may be better off in the end.
  • Allow your agent to manage your entire personal insurance needs. Having one source for all your policies will save you time.  Also having one broker handle all your needs gives them the ability to understand your entire needs.

Insurance specialists at Valley Oaks Insurance Agency serve to help you coordinate an insurance program that determines the best coverage options for your needs – for benefits and quality discounts that help you save.

 

Commercial Insurance You Need But May Not Have Considered

A Business Insurance Update

Business insurance is designed to protect your business from unknown accidents and losses.  Many businesses many not take the time to understand many of the unique risks they might have.  That is why an agent can help you not only understand your risk but develop and design a program to address your risks.

Did You Know?

Many business professionals many not have thought of these coverages—but they should.

  • Cyber Liability Insurance can be added to your program to cover the costs associated with customer notification and recovery of hacked data.  If you store data, including private information on computers, use e-mail, generate revenue online, or use your computer to control production, manufacturing, or inventory, your company is at risk!  In short, any business not making a serious effort to protect personal private information is seriously out of step with the emerging landscape of privacy law.
  • Employment Liability Insurance provides protection for an employer against claims made by employees, former employees, or potential employees.  It can cover discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations.
  • Professional Liability Insurance pays for damages caused by services.  It is also called “errors and omissions” coverage.  This insurance is for companies that market a service instead of a product, just as professionals in medical clinics must have medical malpractice coverage.
  • Directors and Officer’s Liability Insurance helps protect your business, owners, executives, and directors. A lawsuit against directors and officers most commonly occurs when shareholders (private or public), clients, competitors, or others feel they suffered a loss in the value of their shares because of actions that the board or senior management took or did not take.

At Valley Oaks Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.

Valley Oaks Insurance Agency provides insurance to businesses in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, Folsom, and surrounding areas.

No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Valley Oaks Insurance Agency would like to return the favor by giving you the coverage you need to ensure the security of your business. 

At Valley Oaks Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom. 

 

Your California Business is Exposed to Directors and Officers Claims

Directors and Officers (D & O) Liability Update

Every business, no matter what the size, has a D & O exposure.  Some people may mistakenly think that D & O risks are just for large firms, but actual court cases tell a different story.  D & O claims come about because of decisions made by the firm’s officers and employees.  Claims can come from employees, competitors, investors, and the government.  Most of these kinds of claims are not covered under a standard commercial insurance policy.

Here are some interesting facts brought to you by the Insurance Information Institute:

  • Over 53% of privately held firms have had D & O related claims.
  • Twenty-five percent of companies have had an employment related claim.
  • The average defense cost for a D & O claim is around $75,000.
  • Firms with less than 50 employees have the same percentage of claims as larger firms.

Here are some of the kinds of claims to which your business is exposed:

Misrepresentation

If you misrepresent your company’s services, financials or other information, third parties may sue you for your actions.  This can include services you say you provide on your webpage or financial information you provide to a lender.

Breach of Duty

Your firm’s officers and employees are required to carry out their duties with a standard of honesty and professionalism.  If these legal duties are breached, you are subject to litigation by the injured party.

Employment Issues

Your employees can sue the business for a variety of employment issues that can be covered under a D & O or employment practices liability policy.

At Valley Oaks Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.

 

What's Under Your Roof?

A California Home Insurance Review

Have you ever stopped to think about all the things that could cause damage to your home and personal property? Probably not, but we think about your personal insurance coverage every day. Your homeowner’s insurance is designed to protect you from claims that can come from many different events. We can design a homeowner’s insurance product that fits your individual needs. Here are a few of the kinds of events that can be covered under your roof.

Damage To Your Home Can Include

  • Fire and smoke damage
  • Lightning strikes
  • Falling objects
  • Explosion
  • Vandalism and malicious mischief
  • Theft
  • Windstorms and hail
  • The weight of ice, snow or sleet
  • Water damage
  • Damage from an aircraft, car or vehicle

What is Not Covered Under Your Roof

A standard homeowner’s insurance policy will not cover; earthquake, flood, wear and tear, damage from animals, mold, acts of war, government actions, tenant damage, defective work, plus others.

Personal Property

Your homeowner’s insurance can also cover your personal belonging. This might include; cloths, furniture, and other items.

Do You Have A Leak In Your Roof?

Do you have coverage for additional living expenses if you are required to move out of your home while it is being repaired? If you own guns, art, or other collections, you may need additional coverage. Is your expensive jewelry cover while away from your home? If you don’t know the answers to these questions, call us today.

Service, whether it is in response to an insurance claim or general question, is the most important value we offer you. Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy. 

Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.

Call us if you want great service, competitive prices, and quality coverage.

You Will Never Need Personal Insurance If…

A Personal Insurance Update

Are you tired of people telling you why you need to buy their insurance?  Are you sick of buying “cheap” online insurance, only to end up with the wrong coverage?  We thought it might be fun to tell that you do not need personal insurance if you meet the following criteria.

Remember, personal insurance is designed to protect you from accidents and other unforeseen events.

You May Not Need Insurance If You

  • Never make any mistakes
  • Don’t own or drive a car—ever
  • Live in a county with no lawyers
  • Will never get sick
  • Plan to live in the hills in a tent
  • Don’t plan on having children
  • Believe the government will support you in your old age

Service, whether it is in response to an insurance claim or general question, is the most important value we offer you. Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.

Call us if you want great service, competitive prices, and quality coverage.


Be Ready When Disaster Strikes

A personal insurance update

The past few years have seen wildfires destroy communities, homes, and people’s lives.  Our thoughts and prayers are with those of you who have suffered loss.  Experts tell us that the total property loss for these events will reach over 9 billion dollars.

Do not let the change in weather fool you; we are still at risk for acts of Mother Nature.  In the coming months, we may be at risk of wind damage, wild fires, floods, and more.  Remember, your homeowner’s insurance may not cover every disaster, so please call our office for a free insurance review.

How to prepare for an emergency

  • Create a home inventory. This will help you to recover your personal property.
  • Is your policy’s replacement cost limit correct?  It is a good idea to have us, or your insurance company, help you determine the current replacement cost of your home.
  • Create an emergency food supply; enough to last a week or so.
  • Have a three to five-day supply of water, 1-2 gallons of water per person, per day.
  • Keep extra cash on hand in case banks are closed.
  • Have a few high-powered flashlights ready.
  • Keep extra batteries on hand.
  • Have a communications plan. Consider that your family may not be together if a disaster strikes.
  • Designate a contact person, outside the area, as a check in person for family members.
  • Stock a first aid kit, a supply of essential medicines for at least a week, and other crucial medical supplies like inhalers.
  • Make sure you have copies of your family’s identification, birth certificates, passports, insurance policies, proof of address or lease, medication list and medical information, copies of credit cards, checks, etc.

Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.


Does Your Business Have The Right Liability Coverage?

A Business Insurance Update

We understand every business is unique. You serve people first and foremost. Just because you are a small business does not mean you are exempt from litigation. Every business large or small need general liability insurance to protect your organization from unforeseen events.

General liability insurance should be the foundation of your commercial insurance program. general liability insurance provides the following coverage:

  • Bodily Injury- Bodily Injury to a third party.
  • Property Damage- Damage to a third parties’ property (equipment building etc.).
  • Personal Injury- Injury to the mind or emotions, as opposed to an injury to property.
  • Advertising Liability- Damages arising out of advertising, libel, slander and invasion of privacy.
  • Products & Completed Operations- Liability arising out of the Nonprofits products or business operations and services conducted, excluding Professional services.
  • Premises-Covers liability arising out of injury to third parties while on your premises.
  • Medical Payments- A general liability coverage that reimburses others, without regard to the insured's liability for bodily injury while on your premises.

General liability insurance is designed to cover defense costs as well as judgments. It is an important part of your insurance program that we recommend for your organization. At Valley Oaks Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom


Are You Considering A Video Surveillance System?

Today’s technology has made setting up security precautions such as security cameras a cinch! You no longer need to be a millionaire to set up one. You could even install one yourself! Security cameras provide a means for its owner to watch over his or her property from the safety and convenience of any area he chooses. This type of system is a great deterrent to thievery and unwanted entry. Most organizations that have sensitive items or are off limits to the general public employ these cameras to help keep their places safe.

Purchasing and implementing such a system may save your business from the terrors of illegal entry. Investment in such could save you a whole lot of trouble.

Before purchasing a system, you will want to consider the following factors.

Study your needs. The type of security measures installed will depend on your specific security needs. For example, how large is the area you would like covered? How many cameras will it take to monitor this area? You must make sure the security camera system you will purchase can accommodate enough slots for expansion.

Do you need audio too? Some camera systems have audio recording equipment as well so you can not only see what happens but hear it as well. This is important in cases when you would like everything documented. However, this may be costly. Many establishments only require video records of their security.

Also, you must ascertain whether you need to have your security cameras record in color or black and white. Color cameras are, of course, more sophisticated and show a clearer picture. However, they tend to be pricey. Color cameras might also not work in low-light situations.

Consider the location of the cameras. Will the site be hard to set up? In that case, you may want to consider wireless security camera systems. However, these cameras must be in a place that is conducive to high-quality broadcast. There must be no interference. They can, be moved around the area. They are a bit more flexible than their fixed-wire cousins.

Will the camera system be for outdoor purposes? Cameras that monitor outdoor locations need special weatherproof housings and may not be recommended for extreme temperatures and various elements. Also, those that may be vandalized must be protected against such.

Also, you must take into consideration the lighting for an area. If your camera cannot record a scene due to bad lighting, you will end up with muddy images that won’t help in your surveillance activities. Choose a security camera that has excellent sensitivity to light. Also, try to illuminate such areas with external lighting.

You must consider where the power sources will be located. Make sure they are well protected from the elements and tampering.

Consider the available methods for recording the images. You may use a variety of backup media. And with the advent of computer storage media, even the use of hard disks, compact discs, and DVDs can prove to be an inexpensive way to store your data.

It is important to note that not all homeowner’s policies are created equal, and what one company offers may not be the same as another company. Also keep in mind, if you bought your policy online, who really knows what coverage you have?

Service, whether it is in response to an insurance claim or general question, is the most important value we offer you. Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.


Things To Consider For 2018

The risk management landscape is changing fast. It is important for business owners and managers to understand how these trends will impact their commercial insurance programs. Technology, consumer trends, litigation, and regulations all have increased risk.

  • The Changing workplace environment. Employers are having to manage a change in workplace demographics. The baby boomers are retiring and employers will need to figure out how to attract the next generation of workers.
  • Cyber Risk. Every business will need to consider cyber insurance. Most businesses have a greater risk of having a cyber-attack than they do of having a fire. Cyber security was big news last year. Hardly a week went by without a report of a data breach in some industry. In fact, the Identity Theft Resource Center reported a record high of 1,233 data breaches in 2015, which is a 39 percent increase from 2015’s numbers.
  • Employment Laws. Whenever there is political change you can count on new and/or updated employment laws. Employers will need to keep up to date on how these laws will impact their businesses. Every employer should consider Employment Practices Liability Insurance.
  • Connections with Customers. As we continue to increase our reliance on technology, businesses must find the best ways to stay connected with clients. Customers want real time information about the products and services you provide. The road to being connected begins with understanding that consumers want to use technology in their healthcare decisions. They want to be able to email their partners and access services and information through telecommunication devices.
  • Workers’ Compensation. All states will continue to address legislative measures that could have an impact on employers including; drug usage, independent medical exams, medical marijuana, and the misclassification of employees and contractors.

At Valley Oaks Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom


Umbrella Insurance Is Something You Need

California Umbrella Insurance

Personal umbrella liability is one of the most commonly overlooked policies, but in the case of a catastrophic financial event, it could be the best line of defense you’ll ever have. If you’re involved in a major auto accident or if someone gets injured on your property, you could be sued for damages well beyond the liability coverage provided by your home and auto Insurance policies.

Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an Umbrella Insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella Insurance can provide limits above your personal auto and home policies.

Here is an example: John Doe falls asleep while driving and hits a van with a family inside. The accident results in $600,000 of medical bills, but John Doe's auto policy has a $500,000 limit. Fortunately, John Doe also has a $500,000 umbrella policy, and the additional $100,000 would be covered under the Umbrella.

It is true that Umbrella Insurance may not be for everyone, but if you are building financial resources for your future, are a professional, own your home, boat or recreation vehicle, you should consider an Umbrella Insurance policy. Having the added protection of an Umbrella Insurance policy is coverage no one should go without.

Umbrella insurance provides broad insurance beyond traditional home and auto. It provides additional liability coverage above the limits of homeowner's, auto, and boat insurance policies. It can also provide coverage for claims that may be excluded by the primary policies.

At Valley Oaks Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.


A 2018 Personal Insurance Guide

When was the last time you reviewed your personal insurance coverage? The New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

Personal Insurance

  • Review my insurance to make sure I have the right coverage
  • Take the time to read my insurance policies
  • Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?
  • Make sure I have identity theft insurance
  • Do I have enough life insurance?
  • Do I need life insurance for my spouse?

Other Items To Consider (you may need insurance for some of these)

  • Bought a new car or sold a car
  • Changed your marital status
  • Bought a boat, RV or ATV
  • Change of address
  • Welcomed a new baby into the family
  • Major inheritance
  • Have a new teen driver in the family
  • Child headed off to college
  • Purchased second home
  • Planned foreign travel
  • Started a home based business
  • I now drive my personal car for work

Service, whether it is in response to an insurance claim or general question, is the most important value we offer you. Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.

Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.


Innovative Insurance Solutions

A California Business Insurance Update

We live in a changing world, and your business insurance needs are changing as well. In order to keep your commercial insurance up to date you need to have the ability to change and update your insurance program on a regular basis.  The insurance industry has developed a number of innovative coverage that your business may just need.

  • Business Interruption Insurance covers the loss of income that a business suffers after a covered loss (fire, windstorm, etc.), while its facility is shut down or in the process of being rebuilt.
  • Tenant's Insurance is needed if a commercial lease requires a tenant to carry a certain amount of insurance. A commercial policy can cover damages to improvements you make to your rental space and damages to the building caused by the negligence of your employees.
  • Directors and Officers Insurance is needed even if you are a privately held business.  Directors and officer’s liability Insurance protects your business, owners, executives, and managers if individuals, competitors, third parties, or government regulators make claim for damages.
  • Cyber Liability is a risk that every business has. According to the Insurance Information Institute, businesses have a greater chance of having a cyber breach than they do of having a fire.  Most businesses should consider cyber liability insurance, which is designed to cover the costs of investigations, notification, and credit monitoring for affected individuals, regulatory compliance, defending lawsuits, and payment of any resulting judgments or settlements.
  • Equipment Breakdown coverage offers extra protection for electrical, mechanical, or digital equipment used by your business, including heating, cooling, and refrigeration systems; computers and communication equipment; and more. It can pay for the cost to repair or replace the damaged equipment in the case that there is physical damage, as well as cover the cost of service interruption.
  • Debris Removal Insurance covers the cost of removing debris after a fire, flood, windstorm, etc. For example, a fire burns your building to the ground. Before you can start rebuilding, the remains of the old building have to be removed. Your property insurance will cover the costs of rebuilding, but not of removing the debris.

At Valley Oaks Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.


Valley Oaks Insurance Helps You Design Business insurance

A California Commercial Insurance Update

There are many insurance companies that are willing to offer your business commercial insurance coverage.  However, how can you tell them apart, other than by their logo or advertising?  That is why you choose us, to help you review your risk, then design a program that fits your needs, and finally go to the marketplace and bring back the best options.  Not all insurance companies are the same.  They all offer different kinds of business insurance and services.  Here are some of the different kinds of coverage that you might consider when designing a commercial insurance program.  Each of these coverage types offers protection for a business.  Purchasing several, or even all, of these policies may be necessary to fully protect your company from lawsuits.

  • Directors and Officers Insurance
  • Commercial Auto
  • Commercial Liability
  • Commercial Crime Liability
  • Property Insurance
  • Business Income and Extra Expense
  • A Commercial Umbrella Policy
  • Errors and Omissions Insurance
  • Fiduciary Liability
  • Employee Practices Liability
  • Privacy and Network Security Insurance

One way to make sure you get the best possible combination of coverage, price, and service is to have us help you identify the top insurers in your industry.  Other things to consider are your deductibles and limits purchased.  When selecting an insurance company allow your agent to do most of the heavy lifting.

The best thing you can do is call our office and have us provide you with a risk review, including coverage options.  Once you have had a chance to review coverage and pricing, then you can make an informed decision.

At Valley Oaks Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.


Home Burglaries Are Too Common…  Why You Are at Risk

A California Home Insurance Update

Having your home invaded by a burglar cannot only cost you monetarily, but it can cause stress and a loss of security.  Over 60% of homes are at risk of having a burglary according to a national insurer.  This number includes renters and owners of condominiums as well.

Top Ways Thieves Get in Your Home

  • Un-locked door or window
  • Key left outside
  • An open garage door

How to Reduce the Chances of a Home Burglary

  • Having lights on
  • Security system
  • Outside lights on timers
  • Neighbor watch programs
  • Keeping all doors and windows closed and locked
  •  Limit the amount of shrubs around windows

If you have the right kind of homeowners insurance, a loss like this should be covered.  However, we always recommend you call our team to have a review of your personal insurance program.

The best thing you can do is call our office and have us provide you with a risk review, including coverage options.  Once you have had a chance to review coverage and pricing, then you can make an informed decision.

At Valley Oaks Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.

 


Ten Things Insurance Agents Can Do to Help Employers Manage Workers’ Compensation Costs

A Workers’ Compensation Update

There are over 4.1 million workplace injuries in the Unites States each year, according to OSHA.  Employers spend about $155 billion on work related injuries each year.  There is no doubt workers’ compensation is a big expense for employers.

The good news is there are many actions an insurance agent can do to help employers reduce workers’ compensation costs.

  • Search the market for options and program designs that fit the individual needs of each employer.
  • Help build a bridge between the insurer and business.
  • Educate employers about how workers’ compensation works.
  • Work with employers in the development of a safety program.
  • Analyze all classifications to make sure they are correct.
  • Help the company prepare for the workers’ compensation premium audit.
  • Provide the framework for an early return to work program.
  • Help the company review accidents and claims to determine trends and then create safety solutions.
  • Facilitate a claims review with the insurer to make sure all claims are being processed correctly.
  • Be a resource to the business by bringing in other service providers to solve problems; i.e., attorneys, safety professionals, and third party claims consultants.

Workers’ compensation is an important part of your business insurance program. It is required by state law that your business has workers’ compensation insurance.

As a business owner, you go to great lengths to provide a safe working environment for your employees. Workers’ compensation continues to be a significant cost driver for most employers, and understanding all the factors that can drive your workers' compensation cost can often be complex and time consuming.

Service, whether it is in response to an insurance claim or general question, is the most important value we offer you. Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy. 

Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.


September is National Preparedness Month

Disaster Preparedness

Our thoughts and prayers continue to be with the people of Houston. Hurricane Harvey caused over 75 billion dollars of damage. While this is fresh on our minds, let’s get prepared for the unexpected.  This could be a flood, hurricane, earthquake, wild fire, or any other event that causes damage to our homes.

Remember, your homeowners insurance may or may not cover the next disaster, so it is a good idea to have our team complete a personal insurance review.  Here are some things you can do right now.  Ready.gov has provided many good resources.

Basic Preparedness Tips

  • Know where to go. If you are ordered to evacuate, know the local evacuation route(s) to take and have a plan for where you can stay. Contact your local emergency management agency for more information.
  • Put together a “go-bag” or disaster supply kit should you need to evacuate, including a flashlight, batteries, cash, first aid supplies, medications, and copies of your critical information.
  • If you are not in an area that is advised to evacuate and you decide to stay in your home, plan for adequate supplies in case you lose power and water for several days and you are not able to leave due to flooding or blocked roads.
  • Make a family emergency communication plan and review it regularly with members.
  • Many communities have text or email alerting systems for emergency notifications. To find out what alerts are available in your area, search the Internet with your town, city, or county name and the word “alerts.”
  • If there is a chance of flash flooding, move immediately to higher ground.
  • If floodwaters rise around your car but the water is not moving, abandon the car and move to higher ground. Do not leave the car and enter moving water.
  • Avoid camping or parking along streams, rivers, and creeks during heavy rainfall. These areas can flood quickly and with little warning.
  • Disconnect electrical appliances and do not touch electrical equipment if you are wet or standing in water. You could be electrocuted.
  • If instructed, turn off your gas and electricity at the main switch or valve. This helps prevent fires and explosions.

At Valley Oaks Insurance Agency, we’re committed to keeping your home and business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your family or business will be covered from top to bottom.

More resources for you

www.ready.gov

Download FEMA App


We Know And understand Personal Insurance

California Personal Insurance Planning

Finding the right auto insurance is not always an easy task. Don’t believe the TV ads; it does take longer than ten minutes to get personal insurance.  But finding the right insurance for you does not have to be overly difficult. Let us do all the heavy lifting.

There are a number of items you may want to consider when reviewing your auto insurance needs.

1. Let Us Shop for the Lowest Price Available
You get what you pay for, and we compare not only price, but policy features as well.  Not all auto insurance companies offer enhanced benefits like superior claims handling, customer service guarantees, and roadside rental car delivery. We assess all of the benefits included in each policy to determine the true value that you will receive.

2. Choose Adequate Liability Coverage
Liability insurance helps protect you and your assets if you cause an injury to others or damage the property of others with your vehicle. If you choose lower liability limits, an accident that causes serious injury can result in medical bills and lost wages that could far exceed your minimum coverage and leave you financially exposed. Make sure you’re fully protected.

3. Don’t Miss Out On Potential DiscountsYou could get discounts for low-mileage driving, having multiple policies through the same insurance carrier, using anti-theft devices, taking defensive driving courses, and more. Be sure to ask which discounts are available.

4. Update Your Policy To Reflect Any Major Life Changes
Keep your policy current. For example, forgetting to add a new teen driver to your policy can cost you dearly in the case of an accident. You may need to alter your policy if you purchase a new home, car or other property, change your marital status, start a business, move, or retire.

5. Always consider increasing your deductibles on older autos
Increasing auto deductibles can save hundreds over time. Older vehicles will have low valuation, and in the event of a total loss you may not receive much settlement.

At Valley Oaks Insurance Agency, we are committed to the safety and security of you and your family, which is why we will work with you to create a perfect policy that protects all of your interests. Since Personal Umbrella Insurance will vary depending on your individual coverage needs, it’s important to discuss your options with one of our insurance specialists before making a decision.


Why An Independent Agent Can Be Best Suited For You

A Valley Oaks Insurance Update

To say that your insurance policy is only as good as your agent is a bold statement.  You have also heard me say, that not all policies are created equal.  Just what do I mean by this?  The idea is that your agent is the most important part of your insurance program.  Here are three reasons why this is true:

1. Insurance companies only offer a policy, they do not design coverage.  On the other hand, independent agents can design coverage that is best for your specific needs.

2. Independent agents work for the client, not the insurer.

3. Experienced agents can help you identify and manage your risk, rather than sell you a policy.

The best way to ensure you are getting the best advice and value is to have a trusted relationship with an experienced agent.  Like any relationship, communication is the key.  A good agent will listen to the customer and offer risk and insurance solutions.  There are times when insurance is not the best solution.  Again, here are examples:

1. Contractual Risk Transfer – There are many ways to transfer your risk through a contract or agreement.  An example might be for products liability.  If you are distributing a product manufactured by another party you can transfer the product liability to them, rather than take that risk on.

2. Self-Insure – There are times when the risk may be such that you are better off self-insuring rather than spending a lot on an insurance policy with a super high deductible.  Sometimes, you can mitigate risk by putting risk control techniques in place to reduce or eliminate the risk all together.

Only an agent who is interested in your best interests would offer you options that included no insurance.  Rather than using any agent to get you an insurance quote, select a qualified independent agent who will collaborate with you and design a risk management program that meets your needs.

As an independent insurance agency in Roseville, CA, our goal is to assist you in all your insurance needs. We will help you manage and plan for all your potential risks. As professionals, we assess your needs and offer you a variety of insurance products to choose from.

Service, whether it is in response to an insurance claim or general question, is the most important value we offer you. Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.

Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.