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Commerical Auto

Top 10 Car Technologies

According to researchers at The Hartford and MIT, smart headlights, emergency response systems and reverse monitoring features rank highest in car technologies. As more and more of these features are incorporated into vehicles, we believe that it’s important for drivers to be knowledgeable of and use those technologies that can enhance safe driving capacity, comfort, and confidence. Smart headlights: adjust the range and intensity of light based on the distance of traffic and to reduce glare and improve night vision Emergency response systems: offer quick assistance to drivers in the case of a medical emergency or collision, often allowing emergency… Read More »Top 10 Car Technologies

California Signs Electronic Proof Of Insurance Bill

Yes! It happens right now. We witness a great moment of the history! Gov. Jerry Brown made California the seventh state in the nation to allow drivers to show proof of insurance coverage using their smart phone. Brown on Friday signed Assembly Bill 1708, a bill authored by Assemblyman Gatto, which will give drivers the option to show proof of financial responsibility electronically using a mobile electronic device. “Governor Brown just brought proof of coverage into the 21st Century by signing AB 1708,” said Armand Feliciano, with the Association of California Insurance Companies. “California has long been known as ground zero… Read More »California Signs Electronic Proof Of Insurance Bill

September is National Preparedness Month

A recent Travelers survey found that 48% of small business owners do not have a written business continuity plan. That’s especially troublesome considering that The American Red Cross estimates as many as 40% of small businesses do not reopen after a major disaster. We have partnered with Travelers Insurance Company to offer Business Continuity tools that help business owners plan for the unexpected so they do not become part of a statistic. You can start building your plan today using resources on Small Business Safety, Protecting Your Business, Plan Ahead, at travelers.com pages. Should you have any questions, please feel… Read More »September is National Preparedness Month

Business Insurance Market Update

The hardening insurance marketplace has led to a great deal of success for us in a variety of our niches recently. We continue to develop new products at the same time. Below are several items we wanted to highlight: 1) Apartments / Lessors Risk (Office Exposure – Real estate schedules that generate more than $100,000 in premium in the “better weather” states have been a good fit for us recently. We are interested in the properties that are built after 1980 and located in the western US for the most part. If it is large and we can write casualty… Read More »Business Insurance Market Update

Electronic Proof of Car Insurance

Have you ever got a ticket because you did’t have the proof your current insurance coverage (ID card) with you? Well, good news for residents of 7 U.S. states. As of today – August 6, 2012, 7 states have passed Electronic Proof of Insurance Laws. Alabama Arizona California Colorado Idaho Louisiana Minnesota Mississippi and Maryland have a version of these laws before their state Assemblies. A Great Step Forward for You These laws all make an electronic image of the paper copy of a Proof of Insurance card a legal proof of insurance.  Louisiania’s wording is typical… ” an image of… Read More »Electronic Proof of Car Insurance

Progressive Expands Commercial Auto Offerings, Introduces New Coverage

Progressive Insurance has expanded its commercial auto product with updated offerings and programs. The latest commercial package brings more coverage options and introduces a customer loyalty program. Highlights of the latest package include: Customer Loyalty Program: The new customer rewards program includes accident forgiveness, specialized claims service and minor violation forgiveness. Pet Injury Coverage: Progressive provides up to $1,000 to help pay the medical bills for a dog or cat if they’re injured while riding in a covered vehicle. Expanded Truck Cargo Coverage: Progressive has expanded acceptability to include owned goods, increased coverage limits up to $250,000 and added refrigeration… Read More »Progressive Expands Commercial Auto Offerings, Introduces New Coverage

Top 10 States Vehicle Theft List

The National Insurance Crime Bureau reported 2011 is on track for another consecutive year of declining vehicle thefts, but California still dominates the top 10 list for areas highest auto theft rates. Seven of the top 10 areas were in California, mostly in the central and northern portion of the state. The report is a reflection of vehicle thefts on a per capita basis, and the authors of the report note that an area with a much smaller population and a moderate number of thefts can, and often does, have a higher theft rate than an area with a much… Read More »Top 10 States Vehicle Theft List

What is Loan Gap Coverage

When a financed vehicle is declared a total loss and your insured’s outstanding loan balance is greater than the actual cost value of the vehicle, an insurance carrier will pay the difference between the outstanding loan balance and the actual cash value of the vehicle. Who Benefits Most:  An owner of the financed vehicle. Claim Scenario:  Like many small business owners, Jane financed the Ford F350 truck she uses for her gardening business. Just a year after purchase, her employee totaled the vehicle on the highway between customer sites. Due to the steep depreciation in vehicle value, particularly in the first year of ownership, the truck was worth less than the… Read More »What is Loan Gap Coverage

California – New Auto Insurance Rates Now Available

Our new California Auto Product delivers more than just rating changes…  In addition to providing a wider range of pricing tiers, we have made other changes to our Auto Product to become the total account solution for your small business customers. We’ve introduced a 10% account credit on Auto when there is an in force Spectrum policy (includes property only policies) – reinforcing our desire to become the total account solution. Only available in California! We have lowered the threshold for schedule rating from 10 vehicles to 1 – providing greater pricing flexibility when warranted. Automatic reporting proof of coverage… Read More »California – New Auto Insurance Rates Now Available

Electric Highway On Its Way

The stretch of 160 miles of Interstate 5 served by eight stations marks the next big step in developing an infrastructure that until now has been limited primarily to chargers in homes and workplaces. The stations go from the California border north to the Oregon city of Cottage Grove and are located at gas stations, restaurants and motels just off the nation’s second-busiest interstate. One is at an inn that was once a stage coach stop. Spaced about every 25 miles, the stations allow a Nissan Leaf with a range of about 70 miles to miss one and still make it to… Read More »Electric Highway On Its Way