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Valencia, CA 91355

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Questions to ask before choosing health insurance coverage

Choosing your health insurance is one of the most important decisions that you make every year. Just letting your policy continue from one year to the next may not be in your best interest. At QuoteBroker Insurance Services in Santa Clarita, CA, we are an independent agency, which means we can offer insurance from multiple carriers, allowing our customers to have more choices. 

Questions to ask before choosing health insurance coverage

Is my doctor in the network?

Before deciding on a health insurance policy, it is vital that if you have a preferred doctor or other healthcare professionals, you make sure that they are in the network you are considering. Not every doctor is in every network, and it is up to you to make sure that the doctors you want are covered by your plan. 

What is the plan deductible?

Before your health insurance starts to pay for services, the deductible must be met. If it is too high, it can mean that you will have no services that are covered. It is a fine balance between a policy that you can afford and one that provides you with the coverage you need. 

What type of managed care is it?

There are three main types of managed care; an HMO. PPO, and POS. All of them have good points and not-so-good points. An HMO is the most restrictive, providing little or no coverage outside your network, but is the least expensive. A PPO will give you a better rate if you stay within your network and a POS lets you decide if you want to have service in or out of the network. If you need flexibility, it is the best choice. 

Give us a call

Contact QuoteBroker Insurance Services in Santa Clarita, CA if you need more information about your health insurance options. 

How to make your home a safer place

Making your home a safer place is not something most homeowners take lightly. Finding ways to protect yourself and your largest investment is important for many reasons. At QuoteBroker Insurance Services in Santa Clarita, CA, we are independent insurance agents dedicated to providing our customers with the most choices and the best options. You can count on us to be there through the good times and the bad. 

How to make your home a safer place

Make sure your smoke detectors are working

If you burn something in the kitchen and your smoke detector doesn’t make a racket, you have a problem. If they are battery-operated, you need to change the batteries. Smoke detectors can save your life and give you a warning if a fire erupts in your home. 

Earthquake-proof your home

Santa Clarita is near two fault lines, and there are things you can do to help minimize earthquake damage in your home and to yourself. Some simple sets can minimize damage. Strap heavy appliances to the walls and heavy furniture as well. Place heavy items on shelves close to the floor and store glassware in closed cabinets. Make sure light fixtures are attached to beams and attach things on the walls with extra security. 

Add a home security system

These days, you can add a DIY home security system for a very minimal expense. The setup is simple, and they are easy to operate. Many can be controlled by your smartphone. 

Use your door and window locks

Exterior doors and windows come with locks, but they don’t do you much good unless you use them. Make sure all your windows, patio doors, and other doors are locked, not only when you go out, but when you are in as well. 

Contact Us Today

Give QuoteBroker Insurance Services in Santa Clarita, CA a call when you are considering your home insurance or stop by our office. 

Do You Need Workers’ Compensation If All Your Employees Are Family Members?

If you have a family business in Valencia, CA, you may wonder if you need to purchase workers’ compensation insurance. The answer to this question depends on a few factors. You can learn more about workers’ compensation from QuoteBroker Insurance Services and whether or not your family business needs it.

What Is Workers’ Compensation?

Workers’ compensation is a system in the United States and many other countries that provide benefits to injured workers or who contract an illness at work. State governments usually administer the program as part of social welfare programs.

Are Family Members Exempt from Workers’ Comp in California?

No. California Labor Code Section 3351 defines an employee as any person employed by an employer, regardless of their legal status. This includes employees who are related to the employer.

Who Can Be Excluded from Workers’ Compensation in California?

The Labor Code specifies that every employer must secure workers’ compensation insurance or self-insurance that provides their employees medical benefits and partial lost wages. To elect for self-insurance, the employer must meet a set of criteria defined by the Department of Industrial Relations. Some of these criteria include the following:

For Three Full Years, The Company Must:

  • Be a legally-recognized business
  • Have independently audited and certified financial statements
  • Have an acceptable credit rating

A Note On Sole Proprietors:

Business owners who do not have any employees do not need to purchase workers’ compensation insurance. However, they may elect to buy it to cover themselves.

Give Us A Call

QuoteBroker Insurance Services, located in Valencia, CA, offers workers’ compensation insurance to businesses and individuals in the area. We are dedicated to providing our clients with great coverage at competitive rates.

Contact us right away to get started!

3 ways Santa Clarita business owners can benefit from umbrella insurance

If you own a business in the greater Santa Clarita, CA area, QuoteBroker Insurance Services is the team to rely on for all of your commercial insurance needs. Adding an umbrella policy is an effective way to protect your company now and, in the future, contact our office to learn more. 

3 ways businesses benefit from umbrella insurance

There’s no reason for a successful business to not have an umbrella policy. Everyone should enjoy the protection that these policies provide for the companies that they cover. 

  1. Increased protection – when your primary policy is exhausted, the umbrella policy will become active and help to protect your firm from any losses that exceed the primary policy’s limits.
  2. Peace of mind – you can focus your attention on your core business knowing that your company has the protection it needs. 
  3. Ongoing success – one excessive lawsuit can be enough to wipe out the liability protection provided by your primary policy. With an umbrella policy in place, your firm can enjoy success now and well into the future.  

If you aren’t sure if you have an adequate amount of liability protection for your company, now is a good time to find out. Determining if your needs are currently met can help you ensure that your business is fully protected. Sit down with a local agent and find out today how you can efficiently and effectively protect your company with an additional liability protection policy. Umbrella insurance is a must-have for any thriving local business.  

Contact us today

QuoteBroker Insurance Services is here for the Santa Clarita, CA area business community. If you have questions about liability protection and how an umbrella policy can help to fill this need, contact our office today.

Looking for New Health Insurance? Financial Health Insurance Terms You Should Familiarize Yourself With

If you are looking to purchase a new health insurance policy, the team at QuoteBroker Insurance Services, serving the greater Santa Clarita, CA area, can help you. One of the things that we strongly recommend is familiarizing yourself with financial terms that you may see on health insurance policies.

Knowing what these terms mean can make it easier for you to find the right policy for your needs:

Premium

Your premium is the amount you pay to carry health insurance. Some people pay this every month, while other people may pay the entire term of the policy, usually six or 12 months, up front. The premium is the cost simply to purchase your health insurance policy. 

Deductible

The deductible is the amount that you have to pay before your policy kicks in and starts paying for coverage. For example, if you have a $1,000 deductible, you will need to pay your first $1,000worth of medical bills before the insurance company pays for the rest of the costs. 

Co-Payment

Once you have met the terms of your deductible, you may have a co-payment. This is how much you will have to pay out of pocket for each doctor’s visit or for prescriptions. Co-pays are generally fairly low, usually ranging from around $20 to $50. 

Out-Of-Pocket Maximum

The final term you should know is the out-of-pocket maximum. This is how much you may have to pay out-of-pocket. Once you reach this amount, all of your medical expenses up to your maximum policy limit amount will be covered and you will no longer need to pay anything out of your own pockets. 

Get Health Insurance Today

When you are in the market for a new health insurance policy, look no further than QuoteBroker Insurance Services, serving the greater Santa Clarita, CA region. Our team can listen to what you want and need in a health insurance policy, and then get to work helping you to find the best policy for your needs. Reach out to us today to get started.      

Types of Business Insurance

When you own a small business, you are probably watching every penny that you spend. You may try to save money, by doing with less. That being said, it can be a mistake to skimp on your business insurance. 

In order to make sure that you have enough insurance for your business, you need to know more about the types of business insurance. QuoteBroker Insurance Services in Santa Clarita, CA can help you navigate this important insurance coverage.

The most common type of insurance is called the Business Owner’s Policy:

It includes general liability, commercial property insurance, and business income insurance. 

  • General liability insurance protects you if someone is injured on your property. It will cover medical expenses and other fees. General liability also covers damage that may occur to someone’s property. 
  • Commercial property insurance covers your building where your business is. It will cover your office whether you rent or buy the building. It also covers the equipment that you have in it. 
  • Business income insurance protects you if you are unable to run your business due to property damage. It will help you pay your bills, even though you aren’t able to make any money. 

You may also want to look into professional liability insurance

This is also called errors and omissions (E&O) insurance because it will cover your legal fees if you have made a mistake in your business. 

If you have a vehicle that you use for your business, you will need commercial automobile insurance

This works like regular automobile insurance. 

In order to be fully protected, you may also want umbrella insurance

This simply picks up where your regular insurance stops. 

Give Us A Call

In order to make sure that your small business is protected, you need to contact us today at QuoteBroker Insurance Services in Santa Clarita, CA.

Workers Comp Insurance Plan Options

Buying workers’ comp insurance from QuoteBroker Insurance Services doesn’t mean purchasing a standard policy. It is a policy tailored to your Santa Clarita, CA business.

Workers’ Compensation: What You Need To Know

Because each state administers its own workers’ compensation program, people sometimes think that every business buys the same exact policy. Instead, each business buys a workers’ comp policy designed specifically for it.

Your business’s workers comp policy covers the number of employees you hire. The size of your business, number of employees, and location of your business provide a guide for the premiums for your policy, but each state uses different policy requirements. If you move your business to California from another state, your workers’ comp policy will change.

Workers’ compensation policies must include coverage for medical treatments, disability benefits, vocational rehabilitation, and death and funeral services. You can add endorsements to cover other items though, such as alternative care, which includes items like acupuncture.

The items you can add as an endorsement also vary by state and underwriter. In some states, this policy extends to contractors and subcontractors working with your business.

If you have workers who frequently travel to other states, you can list these states in your declarations area of the policy. This means that your workers comp policy purchased in California will cover your workers when they travel to the states named. Otherwise, your worker might file a claim in the other state, for example, Oregon. Without having declared it in the policy, your insurance wouldn’t cover them, and you’d have to pay out of pocket.

Give Us A Call

Contact QuoteBroker Insurance Services serving Santa Clarita, CA for more information about workers’ compensation insurance. Let us help you customize your policy to perfectly cover your business.

Protect Your Assets With Umbrella Insurance

When you have many assets, it’s essential to protect them in case of an accident or a lawsuit. One way to do this is with umbrella insurance. This policy provides coverage above and beyond your regular homeowners or auto insurance.

Understanding an Umbrella Policy

An umbrella policy is a type of liability insurance. That means it can help protect you from lawsuits or claims against you. If you are liable for damages, your umbrella policy can help pay for them. It can also help cover the costs of your legal defense.

Most people don’t need an umbrella policy. But if you have significant assets, it’s something to consider. That’s because if you are sued and found liable for damages, your regular insurance policy might not cover all the costs. An umbrella policy can help fill in the gaps. QuoteBroker Insurance Services in Santa Clarita, CA can help you determine if an umbrella policy is right for you.

Umbrella Insurance and Your Assets

Your assets are everything you own. They include your home, savings, investments, and future earnings. If you are sued and liable for damages, your assets could be at risk. That’s why it’s crucial to have adequate insurance coverage.

An umbrella policy can help protect your assets in two ways. First, it can help pay for the damages you are liable for. Second, it can help cover the costs of your legal defense.

Contact QuoteBroker Insurance Services Today

If you’re looking for umbrella insurance in Santa Clarita, CA, contact QuoteBroker Insurance Services today. Our team of insurance experts will help you find the right policy for your needs. We’ll also answer questions you have about umbrella insurance.

Health Insurance Coverage Options in California

You can’t be at your very best if your health is failing you. Unfortunately, with the rising healthcare costs in America, financing your medical bills from your pocket can be taxing. As a result, at QuoteBroker Insurance Services, we advise our clients to invest in a sound health insurance plan to avoid running into a financial mess when diseases and injuries occur. 

Health Insurance Coverage Options in California

Like other insurance policies, health insurance isn’t one-size-fits-all coverage. There are several health insurance plans to answer different needs. These include:

  • Medicare: It’s an insurance plan for persons aged 65 and above. Also, certain younger persons with disabilities and patients with end-stage renal disease may be eligible for Medicare. Medicare is divided into parts A, B, C, and D. Your insurance agent should help you know the difference.
  • Medicaid: This insurance plan is for eligible low-income families, children, pregnant mothers, elderly persons, and people with disabilities.
  • Dental and vision health plans: Usually, your standard health insurance plan excludes dental and vision coverage. However, you can get separate policies to cover your dental and eye health.
  • Corporate health plans: Businesses don’t have to get an individual health insurance plan for every employee. There are corporate health plans designed for companies and organizations.
  • Individual health plan: You can purchase health insurance as an individual.
  • Group health plan: This health insurance plan targets groups like families.  

While health insurance isn’t mandatory in the US, it’s a worthwhile investment given that America’s health services are the most costly around the globe.

Protect your health today with health insurance in Santa Clarita, CA

Understanding health insurance in the US can be a nightmare. Thankfully, you don’t have to figure it out alone. If you are in Santa Clarita, CA, please get in touch with QuoteBroker Insurance Services, and we will help you choose a health insurance policy that suits your needs.

Buying Car Insurance in Santa Clarita, CA

Choosing the right car insurance is a vital decision. Buying a policy for your car, truck, or SUV in Santa Clarita, CA can be a challenge with the many options available. You want to ensure that you are getting the best coverage for your needs and following the law.

Car Insurance is a Requirement in California

All drivers in California are required to have car insurance. This includes liability insurance, which covers damages you may cause to others in an accident. When you go to register your vehicle, the DMV will require proof of insurance.

If you don’t have it, they will not register your car. You are also required to have uninsured motorist protection, which covers you if you are in an accident with someone who does not have insurance or if you are the victim of a hit-and-run driver.

What if You’re Caught Driving Without Insurance?

Driving any vehicle without insurance is a crime in California. If you’re caught, you’ll be fined and may have to pay a higher premium for future coverage. You may also have your license suspended. The best way to avoid these penalties is to make sure you have insurance before you drive.

Even if you’ve had a previous suspension or a not-so-stellar driving record, your QuoteBroker Insurance Services representative can help you get the best car insurance policy for your needs.

Advantages of Full Coverage Car Insurance

Most people in Santa Clarita, CA choose to buy full coverage car insurance. This type of policy covers you for damages to your car caused by an accident, theft, or vandalism. It also covers you if you cause an accident and someone is injured. If you have a loan on your vehicle, your lender will require full coverage.

Contact QuoteBroker Insurance Services for a quote today.

Business Insurance

  • General Liability
  • Commercial Property
  • Workers Compensation
  • Group Health
  • Professional Liability (E&O)
  • Bonds
  • Commercial Auto
  • Business Owners Policies (BOP)

Testimonials

Partner Carriers

  • Aegis
  • Aetna
  • Aflac
  • AIG
  • American Modern
  • Amtrust
  • Anthem
  • Assurant
  • Berkshire
  • Blue Cross
  • Cigna
  • Foremost
  • Health Net
  • kemper
  • MetLife
  • Nationwide
  • Safeco
  • Travelers
  • USLI
  • Zurich