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Farmers Insurance - Samuel Lowe
By Chupacabra July 31, 2016
Sam has consistently gotten things wrong with my policies. I do not trust him and would avoid Sam Lowe at all costs. He has overcharged me by hundreds of dollars and does not cancel policies when repeatedly asked to. When I tried to stop by his office, he asked me to meet for coffee instead. If you like drinking coffee with a lousy agent, give Sam a call. ...read more
American Family Insurance - Ryan Carlson
By RobertA107 at Citysearch April 25, 2012
Ryan is a nice guy and wants your business; HOWEVER, American Family Insurance calls the shots when it's time to settle a claim. And then you find out there is a reason why the premiums are competitive. It took several weeks for the American Family adjuster to pay any attention to a minor break-in and then was hostile during the settlement. There is a part of the insurance contract, buried in appendix B somewhere, that depreciates laptops, and I had to buy a replacement immediately after the break in. Weeks later the adjuster would only pay to the extent of the cheaper replacement, pointing to Appendix B that said it would only pay for the equal replacement if I had actually replaced it with the same PC. So I got whipsawed by the adjuster's delay. Ryan was sympathetic, but I sort of feel I don't need good-cop/bad-cop. I just need an insurance company that pays claims as readily as they collect premiums. By the way, after a $400 payout, American Family just sent me a renewal of the policy with a $300 (60%) premium increase. I am fleeing this company although Ryan seems to be a nice guy. ...read more
Farmers Insurance - Paul Thompson
By Guest G. at Judy's Book March 25, 2011
Paul is a personalble and knowledgeable and makes sure you are properly insured. Farmers is well known and I have not had a problem with them. When I had a claim Paul helped me and answered my questions. You are definitely not a number here... ...read more
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Beauty Salon / Barber Shop Insurance
Beauty salon insurance including professional liability and business property and income insurance offers vital protection to beauty salon business owners and stylists. Beauty salon insuranceis available from the Ararat Insurance Services that can be specifically tailored to meet the unique the needs of beauty salons, nail salons, the spa industry, and tanning salons. Beauty salon malpractice insurance claims are rising, and no salon owner can afford inadequate beauty salon insurance coverage in view of increased litigation fees and skyrocketing jury awards! Beauty salon insurancemust include at a minimum both business liability insurance and professional liability coverage that protects the salon owner. Beauty salon insurance can also be purchased to include any stylists or other independent beauty professionals who rent or lease space from the owner to perform services. Traditional business liability insurance protects salon owners against bodily injury lawsuits. If a customer or visitor to a salon is injured while on the premises from a trip or fall, business liability insurance is essential. Business liability insurance can also be obtained to cover potential personal injury lawsuits involving libel or slander, claims of false arrest, or claims arising from the physical eviction of an individual from the business site, or even claims arising from false advertising allegations. When standard business liability insurance is paired with professional liability coverage, the salon owner and potentially the independent professionals performing services are protected against any negligent acts of accidents that arise. If a client has an adverse reaction to a product used, professional liability insurance protects against damages. Commercial insurance tanning saloncoverage does not normally fall under the umbrella of standard business liability insurance coverage. Many manicurists and beauty salon owners make the mistake in thinking that their professional liability insurance covers tanning bed claims. It doesn't, and if commercial insurance tanning salon specific coverage is not obtained, personal assets can be at risk! The Ararat Insurance Services has long established relationships with underwriters who are tanning industry specialists, and can advise clients as to how their interest can be best served with adequate coverage if tanning services are offered in a beauty salon, tanning establishment, or spa. Business property insuranceand income insurance is different than business liability insurance, yet just as important. Business property insurance protects a salon owner by providing reimbursement for specified property that is leased or owned in case of disaster. Business property insurance plans are available to cover a building, business personal property, owners income from business operations that were disrupted, outdoor signage, funds that were lost from the premises, inventory replacement, or even the cost of reproducing electronically stored data that can be lost. Business property insuranceand income insurance covers the cost to maintain operations and serve your customers and employees when a property requires repairing or rebuilding. The basis of reimbursement may be either actual cash value, which is the replacement cost less depreciation, or total replacement cost. The salon industry experts at the Ararat Insurance Services are available for consultation as to the unique needs of each salon owner, and can recommend which reimbursement plan best fits both potential needs and budget requirements when offering insurance quotes for spa business owners, tanning establishment, or beauty salon. ...read more
By Ararat Insurance Services June 29, 2010
General Liability including Professional Liability
We can write a wide variety businesses such us: Beauty Salon Insurance Barber Shop Insurance Day Care Insurance Exercise / Gym Insurance Shelter, Workshop Rehabilitation Facilities Tanning Salon Insurance Tatoo and Body Piercing Parlor Insurance Please contact our office if you have any questions. Thank you! ...read more
By Ararat Insurance Services June 22, 2010
How Truck Insurance Premiums Are Determined
There are a variety of factors that are calculated to determine the premium of atruck insurancepolicy. These factors are used to determine the probability of an accident or financial risk, involved in providing a drivers'truck insurance. A driver can influence a decrease in rate for a lot of these factors, such as history of accidents, while other factors, such as age, the insured person can't control. Truck Driving ExperienceExperienced truck drivers pose less of a risk factor and will help lower theirtruck insurancerate. Truck driving experience with different equipment and weather conditions are inherent in the number of years that a trucker has been driving similar types of rigs. Age of OperatorStatistics tell us that truck drivers that are very old and very young are more prone to accident. For this reason, these high risk age groups will havetruck insurancepremiums that are higher. The preferred age of drivers are between 30 and 65. Accident HistoryDriver who have had accidents in the past are prone to having accidents in the future. For this reason, the less violations and accidents a truck driver has, the less theirtruck insurancepremium will be. Previous Insurance CoverageTruck insuranceproviders may ask if you have hadinsurancecoverage previously. If you have previously been cancelled for non-payment of premium or for underwriting reasons, the potential insurer will want to know. The previousinsurancecarrier can inform the new insurer of your loss history. Years Operating in NameSimilar to newly employed drivers, a newly operating trucking company is more likely to have the added burdens of business growing pains. As the management operations, safety programs, drivers, adherence to regulations, matures, the frequency of loss is more likely to decrease. Driving AreaDifferent routes a driver has can have an effect on theirtruck insurancepremiums. This is because of the average road conditions and infrastructure, weather during the different seasons, population density, and so on. Employment HistoryThe number of years that a trucker has worked for different companies is taken into consideration as an experience factor. There is less chance of an accident if the driver is more familiar with specific routes and equipment. Truck CargoThe type of cargo a trucker carries will also affect theirtruck insurancerate. Cargo Insurance is based almost entirely on: cargo value, potential for theft, delivery time sensitivity, etc. Equipment OperatedThe age, conditions and value of equipment operated are a determinant in truck insurance premiums. However, the age of the rig is often irrelevant as the truck's condition is dependent on upkeep, as well as recently installed equipment. DeductibleThe deductible is the amount of damage or loss that the insured party is responsible for when there's an insurance claim. The greater the deductible the less the truck insurance premium will be. Safety Features and ProgramsSafety features for an insured truck, such as warning stickers, are beneficial for risk assessment. Company safety programs and driver safety trainings are also helpful. DOT Safety RecordThis is record of an owner operator or company DOT safety rating, Safety and Inspection, Selection (ISS-2) scores, violations, etc. and is routinely used to assist in determination of the truck insurance rate. Ararat Insurance Servicesis a full servicetruck insuranceagency and is dedicated to providing the highest quality and most efficient insurance services with a personal touch. Our agents have 10 years experience working with small fleet and owner operators. To get the best commercial insurance rate for truck insurance, just give us a call today at425-228-6174 Truck Insurance Links: Federal Motor Carrier Safety AdministrationFocused on reducing crashes, injuries, and fatalities involving large trucks and buses. National Safety Transportation BoardAn independent Federal agency charged by Congress with investigating every civil aviation accident in the United States and significant accidents in the other modes of transportation. National Highway Traffic Safety AdministrationMission is to save lives, prevent injuries, reduce vehicle-related crashes. Office of Hazardous Materials Safety. State Department of TransportationMission is to save lives, prevent injuries, reduce vehicle-related crashes. Truck Driver JobsOffering trucking jobs, recruiter services, streaming video, and a community for truck drivers. Mapquest ...read more
By Ararat Insurance Services May 25, 2010
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