Doug Seide is a certified insurance broker so he can concentrate on you, the customer’s needs. If you are located in Scottsdale or the greater Phoenix Arizona area, Doug can “shop” the absolute the best rates and coverages for you.

With over 30 years experience, Doug is surely able to make some valuable recommendations for all your insurance coverage. One of the companies he represents is Farmers Insurance Group. He is able to do a “Farmers Friendly Review” on your current coverage and make sure you are properly covered for the losses you may be subject to.

No matter what insurance you have now, Doug is able to go over and do a coverage and price comparison on all the coverages you have now. You never know if you can save money on the current type of coverage you have now!

Doug Seide can also handle your investment needs as well. Contact Doug today at 480-443-1952.

Now is the time to compare rates, review insurance coverages or even switch insurance agents.  Your family and the peace of mind of total protection is of utmost importance today. Don’t let another day go without calling your agent.

For all your personal and business insurance needs call us today!

480-443-1952

When you get to the AM Best rating site, enter the name of the insurance company in the “text” box and click on the “search now” button. You will see how well it is rating withing their parameters. It should be a guide to help you make your purchasing decision regarding your insurance company.

AM Best is the most important rating system for insurance companies that there is. Even insurance companies insuring other insurance companies or “reinsurance companies” look to this guide before the underwriting department will even consider covering a risk.

There are specific requirements that these types of entities have to have regarding insurance protection.

All real and personal property must be insured at 100% replacement cost. Because of the uniqueness of some specialty properties such as rare stain glass windows in churches, or pipe organs, or one of a kind ornate construction of an old school, valuation has to be done very thoroughly. Quite often, in the appraisal process, several specialists that can appraise different items will be called in.

If a particular building such as a church or old school that is over 50 years old, an insurance carrier may require the entity to upgrade the structure to modern day safety and fire codes. So these entities may have to spend much more than just the insurance premium on the property.

The good news is that an insurance company can often make recommendations that can make the building and personal property rise in value because of the strict standards imposed on them.

In either case, institutional insurance coverage in Arizona is a very valuable item that is needed for any non profit organization.

For all your insurance needs, call Doug Seide Insurance at 480-443-1952.

1. Make sure the agent is certified with some kind of recognized insurance certificate. For property/casualty agents, they are have a CPCU certification. If they sell investments, life policies and securitites, make sure they have a Series 7 and Series 11 license. If they specialize in life, check for a CLU or Chartered Life Underwriter certification.
2. Check for any valid complaints with the Better Business Bureau. If they either get complaints or inquires. Make sure the inquiries do not have any confirmed complaints. Sometimes there could be inquiries but unjustified.
3. Preferably get an insurance “broker” as opposed to a “captured agent,” or “exclusive agent.”  A broker will more likely look out for your own interests as opposed to an exclusive wanting to sell you more coverage than you need.
4. Ask if you can talk with some of his/her clients for references. You need to feel at ease that the agent has proved their worthiness through real life relationships with these agents.
5. Ask many questions of the agent. You want to make sure you have the “whole picture” of how complete your agent will be on discussing anything that has to do with coverages. Think up of as many “what if” questions. Too many insureds find out too late of what they are NOT covered for as opposed as for what they are covered.

It wouldn’t hurt to find out the process when a claim is made. Is there 24 hour contact? Is it live assistance or recorded message centers you have to deal with. Can you get a 24 hour, round the clock assistance? Is there a checklist that the agent can provide when making a claim?

When you use due diligence when shopping for an agent, you can have peace of mind that you made all the right decisions when selecting your insurance agent.

For any further questions regarding your insurance needs, call Doug at 480-443-1952.

• What is the limit of business equipment in your office?
• Does your current homeowners policy cover business liability?
• Do you have coverage for “cyber crime?”
• Are you covered for people who visit your home for business purposes?
• Is your business records covered for loss?
• Are you covered for business interruption within the home?

There are policy riders and other additional coverage available for self employed people who work out of their home. Try to imagine your home office a completely separate entity that needs its own insurance. Even if you are employed by a large corporation and they let you work from home or “telecommute,” always remember to check with your insurance agent before starting your assignment.

Here are four ways your insurance agent can help you get proper coverage on your liability risk:

1. He can write a separate business policy for property
2. BOP or business owners policy
3. Homeowners endorsement
4. Custom home office/home business insurance policy

Don’t risk being under insured or over insured on your home office!

For more information or to secure a no obligation quote, call Doug at 480-443-1952

Make sure you review with your insurance agent, your coverages pertaining to Comprehensive General Liability. If you are an employer you need to make sure you have third pary Liquor Liability coverage.

A one time special event coverage is available if you are having a party at your office or home and serving alcohol there.

Here are some ways to make sure your party or special event is safe while reducing the chance of an accident or liability:

• Arrange for transportation of anyone so intoxicated that they cannot drive safely.
• Stop serving alcohol at least one hour before the event ends
• As the host of your event, make sure you stay sober. It is your responsibility
• Limit the guest list to only those you know

Most of all, use common sense when hosting a party. We want all of you to enjoy the festivity!

For more information or to secure a no obligation quote, call Doug at 480-443-1952