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Monday, December 31 2012
From Nickie Heath Insurance Agency, we wish you all a very happy and prosperous 2013.
Posted by: AT 10:53 pm   |  Permalink   |  Email
Friday, December 28 2012
Please be careful when shopping for business insurance.  Any agent can give you a "cheaper" quote but keep the old saying in mind, "you get what you pay for".  Cheaper is a word we hear frequently from small business owners but most of the time, cheaper means less coverage or quotes with holes in coverage that leave your business assets unnecessarily exposed to a loss.  These "cheaper" quotes could have much lower limits of coverage, higher deductibles or missing coverages that may be important to protect your assets.  Some of these coverages that may be missing or have low limits could be: spoilage for power outage, hired & non-owned auto, money & securities, property in transit, employee dishonesty, liquor liability, ordinance & law, sewer backup and there are many more.  

The main point here is that there are "cheap" quotes out there that may look good on the surface to the untrained eye and many save you a couple hundred dollars or so, but is it really worth it to switch to save a little now and then a claim happens and you find out later that you don't have the coverage you need?  If you ever have doubts, you can send your quote to our agency and we promise to give you our honest opinion as to how it fits your needs.  If it's a good quote, we will tell you so.  If not, we will recommend options to you.
Posted by: AT 08:30 pm   |  Permalink   |  Email
Friday, December 07 2012
Insurance that pays the dollar amount needed to replace damaged personal property without deducting for depreciation but limited by the maximum dollar amount shown on the declarations page of the policy.
Posted by: AT 11:29 pm   |  Permalink   |  Email
Friday, December 07 2012
Coverage for losses above the limit of an underlying policy or policies such as general liability, auto liability and employers liability. It applies to losses over the dollar amount in the underlying policies,
Posted by: AT 11:25 pm   |  Permalink   |  Email
Saturday, December 01 2012

The insurance commissioner has finally approved rates for 2013 and the WCIRB has a big job to release experience mods for accounts effective 1/1/13. 

Posted by: AT 04:38 pm   |  Permalink   |  Email
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