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Santa Clarita, CA 91381

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How Does Umbrella Insurance Work?

Umbrella insurance is a type that covers you against a number of adverse situations. It works alongside both your auto and home insurance policies to give you more protection. Without this coverage, you may someday find yourself trying to come up with large amounts of money, or you may even be sued. If you’re interested in umbrella insurance, give us a call right away at QuoteBroker Insurance Services in Santa Clarita, CA.

Umbrella and Auto Insurance

If you already have an auto insurance policy, umbrella insurance can make it even stronger. With your auto insurance, you have an amount of liability coverage in case you cause an accident and there are medical and property bills that are due. However, the state minimum amount for liability insurance that you have in your auto policy might not be enough for a serious accident. If you get an umbrella policy, this adds to your auto liability coverage so that you are far less likely to be sued and can pay for even very serious accidents. 

Umbrella and Home Insurance

Just as umbrella insurance gives you more auto liability coverage, it does the same for your home insurance policy. Home policies come with a small amount of liability coverage in case someone gets injured in your home. However, this amount is too small to pay for serious injuries. If you get an umbrella policy, it will add to your home liability coverage so that you can pay for even serious injuries without being sued by the injured person. 

Get Umbrella Coverage

If you have both a home and an auto policy, an umbrella policy can add liability coverage to both of them. To find out more about this type of coverage, call us at QuoteBroker Insurance Services in Santa Clarita, CA for more information. 

When is it Time to Update Your California Commercial Insurance Policy?

When you are running a business in California, you will have a number of worries on your mind on any given day. At the same time, you will be updating and upgrading your business on a regular basis in an effort to increase your revenue stream. When you are doing this, you’ll want to think about updating your California commercial insurance policy.

But when?

At QuoteBroker Insurance Services, we help Santa Clarita, CA business owners keep their commercial insurance policies up to date, and thorough. Here’s when you need to update yours.

Upgrades to Locations or Property

If you are making any updates at all to your space or building, you will need to make sure that those changes will be insured. Your existing commercial policy is covering a certain amount of space and buildings, and any changes will need to be covered as well.

When you are renovating, changing address, downsizing or upsizing in any way, or even adding a new computer system or network, you need insurance. 

You’ll need to update your commercial insurance policy when you update anything in your building or contents because you’ll want them covered. If you own the property, your insurance company may require it.

You Change the Plan of your Business

When you change the entire scope of your business, you’ll need to update your policy. Your California commercial insurance policy covers certain things. When those things change, you need to update the policy, or at least update your insurance broker.

If you are selling new products or doing something entirely different from what you started out with, you’ll need a new commercial insurance policy. Should you change management, add a board of directions, or alter the function of the business in any way, you should update your policy or purchase more insurance.

Get a Quote

When you are making changes to your business, you’ll need changes to your California commercial insurance. At QuoteBroker Insurance Services, we want Santa Clarita, CA business owners to feel secure with thorough commercial insurance policies. Call us for a quote to update your plans today.

Never Be Confused About Worker’s Compensation Again

Worker’s compensation insurance is a complex topic that we at QuoteBroker Insurance Services understand perfectly well. Our team can help your Santa Clarita, CA business understand the unique issues impacting this unique coverage option.

How Does Workers Compensation Insurance Work?

Worker’s compensation insurance is something that all employers must pay to provide a fund for injured or sick employees. To start, you must:

  • Set up an insurance policy based on state laws 
  • Pay into your insurance fund for each employee 
  • Draw out of that fund when they are injured 

This simple operation means that your worker’s compensation insurance is surprisingly affordable and easy to integrate into a variety of different insurance needs. But what kind of problems does it cover? Let’s look at a few of the most commonly covered issues to give you an idea.

What is Covered?

Your policy covers any harm caused to your employees due to their job duties. These injuries or sicknesses can vary according to the type of work they do, including:

  • Worker injuries caused by slips and falls in your job
  • Recovery from work-related car crashes 
  • Surgery for conditions caused by work 
  • Severe infections or illnesses due to chemicals or toxins 

In this way, high-quality worker’s compensation insurance will make sure that your employees are covered. Just remember – any injury or illness caused at work by their duties will be covered by insurance. And your payments are made directly out of your insurance fund. This means that you don’t have to pay extra money to keep your workers in good financial health.

Where Can I Buy a Policy?

If you think that worker’s compensation is critical for your business, please contact us at QuoteBroker Insurance Services right away to learn more. We serve the Santa Clarita, CA, area and strive to provide our customers with high-quality help.

Benefits of Classic Car Insurance

Purchasing a classic car is satisfying and an excellent way of adding something unique and classy to your collection of vehicles. That is why you need to get classic car insurance for the accompanying protection. With that said, QuoteBroker Insurance Services takes the residents of Santa Clarita, CA through some of the benefits they can enjoy if they purchase car insurance.

It is Affordable

You may be surprised at how affordable classic car insurance is. One of the requirements of classic car insurance is that the car is not used as your daily means to commute to work or run errands. In addition, most classic car owners drive carefully and only once in a while. This is what makes the coverage affordable compared to traditional auto insurance.

Protects the Value of the Car

Another reason to get classic car insurance is that it helps preserve value. Unlike other cars that depreciate in value as they are used, a classic car either preserves value or adds value with time. When you purchase classic car insurance, you enter an agreement with the insurance company on the replacement value of the car, which is a guarantee when your car is either stolen or totaled.

Liability Coverage

Another benefit of classic car insurance is the liability coverage it provides. Just like you need liability insurance to operate the type of car, it also applies to a classic car. This not only ensures you are complying with the law, but it ensures you are covered as well in case there is an accident.

There are many benefits you can enjoy when you purchase classic car insurance in Santa Clarita, CA area. Since this type of insurance is somewhat complex compared to traditional auto insurance, it is suitable to work with a great team like QuoteBroker Insurance Services. Our team is ready to help you acquire the right policy that meets your needs.

Why should someone get recreational insurance in Santa Clarita?

Those that are in the Santa Clarita, CA area are going to want to enjoy this area of California as much as they can. One way that you can do this is by getting a recreational vehicle, which will allow you to enjoy all the local parks and recreational activities in the area. If you decide to get a recreational vehicle, you will want to have the right insurance for it. You need to have this coverage for a few reasons. 

Covers the Vehicle

A reason to have a recreational insurance plan is so you can protect your vehicle. Any type of recreational vehicle will come with an investment that will include the purchase and maintenance of the vehicle. To ensure that this investment pays off, you will want to have insurance to protect it. Proper recreational coverage will give the support needed to replace or fix the asset in a variety of situations.

Liability Support

Recreational vehicle owners should be aware of the liability risk that they take on. If they operate one of these vehicles, they can be held liable if they cause an accident that results in damages or injuries. Fortunately, this risk can be mitigated by getting the right coverage. A full recreational insurance plan will give the appropriate liability support to help mitigate this risk. 

Anyone that lives in the Santa Clarita, CA area and would like to get a recreational vehicle should ensure they carry the right insurance for it. The team with QuoteBroker Insurance Services can help you assess your different insurance needs and coverage options. QuoteBroker Insurance Services will offer the support needed to build a plan that will ensure that you and your recreational vehicle continue to be properly covered with an insurance plan. 

Why do landlords in Santa Clarita frequently require renters insurance?

The Santa Clarita, CA area is a great place for people to move to. The nice weather, local amenities, and other advantages can offer a great quality of life. If you move to this area, you may consider renting before committing to a home purchase and mortgage. If you do rent here, you will likely be required to have renters insurance. There are a few reasons why landlords in this area typically require that their tenants carry this coverage.

Provides Liability Protection

A key reason that the landlord will want you to have renters insurance is it offers liability protection. If you are renting an apartment from a landlord and you make a mistake that causes damage to your unit or another property, your renter’s insurance plan will offer coverage to pay for the damages. This will ensure that you have the capacity to make repairs and pay for damages that could arise.

Protects Tenant Assets

Your landlord will also want you to have renters insurance to ensure that your personal assets are protected. If there is ever a fire, theft, bad weather, or other situation that results in you losing your personal assets, you will want to be reimbursed for your loss. If you are covered with renters insurance, it will ensure that you can work with your insurance provider for reimbursement. 

A Santa Clarita, CA renter will almost always need to have renters insurance when moving into a new home. If you are shopping for a new insurance plan in this area, it would be wise to call QuoteBroker Insurance Services. The team with QuoteBroker Insurance Services can answer your questions and ensure that you have the support you need to choose a new plan. 

Auto Insurance: Limited Liability Versus Full Coverage

One of the most important considerations when choosing an auto insurance plan is taking out full coverage or a limited liability insurance plan. Your choice may have a major impact on the cost of your insurance plan as well as what is covered in the event of an accident or another incident.

That’s why we’re going to take a look at limited liability versus full coverage auto plans. However, if you have any questions or need help, you can reach out to QuoteBroker Insurance Services, which serves customers in California.

Limited Liability Insurance Explained

Many states require that drivers carry limited liability insurance, at the very least. This insurance will cover other people should they be injured in a car accident. Limited liability insurance may also cover the cost of property damage, including to another driver’s car.

As the name implies, however, limited liability insurance is “limited.” Generally speaking, limited liability insurance will not cover damage to your own car in the event of an accident. Limited liability insurance may not cover weather damage. If a storm knocks a tree over and it lands on your car, your limited liability insurance may not pay for damages.

In California, drivers must carry limited liability insurance that covers at least $15,000 in injuries to another single person, $30,000 in total injury coverage for all other people, and $5,000 in coverage for property damage.

Full Coverage Insurance

Many drivers opt for full coverage insurance. Not only does it usually cover everything that limited liability insurance covers, it typically provides extra coverage. If your car is damaged in an accident, your insurance company may reimburse you, for example.

You can also purchase coverage to cover your vehicle if it is stolen or damaged during a storm or other weather event. This provides peace of mind and may save you from some costly bills.

California residents can contact QuoteBroker Insurance Services to learn which type of insurance is best for them.

What Does Commercial Insurance Cover?

If you are looking for a policy to protect your business, commercial insurance should be your first choice. But with the various requirements and coverage options for companies based within Santa Clarita, CA, a simple consultation can be a tricky ordeal, especially for first-time policy seekers. QuoteBroker Insurance Services highlights some essential items covered by commercial insurance to help with this.

Work-Related Injury

Accidents at the workplace often happen when you least expect them to, with some resulting in lawsuits. If your employees suffer any work-related injuries, workers’ compensation coverage offsets any medical costs for treating injuries and any legal fees you incur after unexpected mishaps.

Property Damage

If you or your employees get into an accident, commercial policies such as auto insurance will help pay for the costs of repair or replacement of your business vehicle. Other options such as commercial property insurance will offset any expenses you incur when your office equipment and items, such as furniture, get destroyed during events such as fire outbreaks.

Cyber Threats

Data breaches are a growing concern for businesses who store their data online, with cyber hacks estimated to cost businesses massive losses. To help keep your business out of such threats, cyber insurance provides coverage to companies that experience data breaches while also covering data retrieval costs. If you also experience legal damages from such an incident, cyber coverage takes care of your legal fees, along with any costs related to securing your site.

General Liability

Businesses may occasionally need to combine property damage and bodily injury into a single policy, an area that general liability insurance covers. In addition to this, general liability will also provide coverage when slander and libel claims occur, making it a worthwhile option for Santa Clarita, CA businesses.

For more information on how to protect your business from the above-listed emergencies, consider giving QuoteBroker Insurance Services a call. Our agents will take you through our vast range of commercial insurance options and guide you to your desired selection.

Who Needs Boat Insurance in Santa Clarita, CA?

If you are a resident of the city of Santa Clarita, CA and want to know more about boat insurance in your area, there are places you can go for this information. One is QuoteBroker Insurance Services.

In the state of California, boat insurance is not required legally. However, it would be a brilliant idea to get boat insurance since having a boat will come with certain risks. If you experience damage to your boat or yourself while you are on it because of an event such as a collision, it would be good to have certain boat insurance coverage types. These include the following:

  • Liability
  • Collision
  • Comprehensive
  • Emergency
  • Medical
  • On-water towing and labor

Even though you don’t technically need boat insurance in the state of California, it would be a good idea to have it as long as you have a boat or some other type of personal watercraft. You never know when a mishap could happen, and it is always good to be prepared in the event of one.

You are not required to have boat insurance or a boater’s license in the state of California, but it is a good idea to know all of the necessary rules when it comes to operating a boat and to be insured anyway. One rule that is good to know is that if your watercraft is longer than eight feet in length, you will generally need to have it registered with the California DMV.

If you live in Santa Clarita, CA and are interested in learning more about boat insurance in the state of California, you should feel free to contact the professionals at QuoteBroker Insurance Services. They will be able to answer any questions that you might have and potentially point you in the right direction when choosing a policy of your own.

What are the benefits of getting an umbrella insurance policy?

The Santa Clarita, CA area can be a great place to work and live. When you are a resident of this area of California, you always want to know that you have proper insurance coverage. If you are in the Santa Clarita area, an important form of insurance to acquire is umbrella coverage. This coverage will come with several different benefits for you. 

You Receive Coverage for the Unpredictable

A major advantage that is received when you invest in umbrella coverage is that you will be covered in high-cost situations. While some liability risks are more common and predictable, others could seem to come out of nowhere. When you get an umbrella policy, it will give you a broad coverage level that will provide you with more protection and peace of mind.

Coverage for Bigger Claims

Another advantage of an umbrella plan is that you will get coverage for larger claims. Most people will have some coverage through their existing insurance plans. However, each plan will have a certain coverage limit. If there is ever a claim in excess of these levels, you will still be liable and will have to cover the balance out of pocket. If you have an umbrella policy, it will give you the coverage to offset this risk. 

If you would like to get an umbrella policy and are in the Santa Clarita, CA area, you should speak with QuoteBroker Insurance Services. The team with QuoteBroker Insurance Services understands how valuable this coverage is. When you call our team, you will get the guidance you need to assess your needs and insurance options fully. 

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