There are so many reasons working with an Independent Insurance Agent is the wisest choice when building your insurance portfolio; saving you time and money is just part of it. Here’s a few more reas…
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What is Disability Insurance and Do I Need It?
Disability insurance (DI) is a form of income protection that pays you a portion of your monthly income if you can’t work because of an illness or injur…
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Your employees are your greatest asset. As a business owner, you most likely already understand how providing health insurance for your business has a huge impact on the attraction and retention of ta…
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There’s a popular saying that goes like this: “Home is where the heart is.”
That saying rings true for many who find “home” a safe haven and a place to cherish, convene with family and friends, rais…
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With the holiday season upon us, one of the first things that comes to mind is shopping. But make sure you check your lists; there may have been an item you forgot to shop for: Individual & Family…
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Social Engineering: A Growing Threat to Your Cyber Security
These days, pretty much everyone is aware that cyber security attacks are happening more frequently to businesses both small and large acro…
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Do you have to buy tail coverage from your current carrier or is there another option?
The answer may come as a surprise to you, but there are other tail options out there!
For many years, the only…
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What type of coverage do I need for my Hospice Practice Business?
Whether you are starting a new hospice practice or just looking to ensure you have the right policies already in place, some of the m…
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Is your job on the move? Are you, perhaps, a Mobile Mammography Unit or, possibly, an IV Hydration Therapy business? Do you provide in-home concierge or hospice services, or Botox house-calls? If you …
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Have you been flooded with flyers about new medical malpractice insurance carriers? Do the low rates seem too good to be true?
We have done the research on these carriers, and will provide unbiased i…
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While a great benefit for an employee to receive a work vehicle to use for both business and personal, there are risks to consider for both the employee and employer. Review the below information to r…
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Due to the complexity and uncertainty of coverage for your vehicle's diminished value, contact your agent to review your personal auto policy.
Consumer Article:
“The Personal Auto Policy & Dimin…
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Present on your Homeowners and Personal Auto policy are various exclusions, however these exclusions can be reversed by certain endorsements or policy additional coverage or coverage extensions. An en…
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Do you use your vehicle for business use? Whether a business you own or working for someone else? Do you transport people or goods? This article below discusses the coverage and exclusions under a per…
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Is your electronic equipment properly covered under your Homeowners Insurance policy? Three points to consider are: One, is the value of my contents coverage enough to cover them should covered cause …
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Some residential leases do not require proof of renters insurance in order to hand over the apartment or house keys. This can leave you open to the financial responsibility of loss that you may not be…
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Understanding the intentions of your insurance policies is extremely important. What is Liability coverage and how does it differ from Property Damage coverage? Do you know what types of vehicles or m…
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Employee Driven Cars on Business Errands
Scenario: You, a business owner, send your Receptionist on an errand to the store to buy supplies for the office. On her way she is in a car accident. Unfortu…
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Insurance to Cover Your Commercial Lease
As a business owner you are challenged with the task of selecting the best property and liability insurance coverage for your business. This is particularly …
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As an insurance agent, one of the first items we look at when reviewing a customer's insurance policy is Who Is A Named Insured? It is extremely important to identify who the policy is designed to cov…
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Do you know the difference from an insurance perspective between vehicles and motorized equipment that are used to service your household or used for recreation? And, what if you use them for both? Is…
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There is never too much emphasis on the importance of working with an insurance agent who knows the policies and will work on your behalf to make sure that you are educated on the coverage provided by…
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If you volunteer for a non-profit in your professional capacity, will you be covered for professional liability? Does the organization that you sit on their board have Directors and Officers liability…
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One of the primary functions of an independent insurance agency is to provide competitive insurance quotes and policies to its customers. But what about insurance benefits and other benefits to the em…
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Desert Mountain Insurance provides guidance to parents looking for information on teenage drivers and their personal auto insurance policy. We also hope you find this article helpful! If you have any …
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Having toys such as ATV's is suppose to be fun, so make sure to contact Desert Mountain Insurance to obtain guidance when purchasing, renting or allowing someone to use them on your property. Please r…
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While this article is from a few years back, it still has a lot of validity and guidance regarding your insurance. Desert Mountain Insurance is here to assist both personal and commercial customers an…
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Not only scooters, but hover boards too! Whether used for personal fun or for business, make sure they and you are covered properly. Desert Mountain Insurance provides guidance to individuals and busi…
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Most homeowners insurance policies indicate that an insured includes a dependent child away as school. For specific questions and clarification on what property or liability coverage would be extended…
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Just as the agents indicate below, in the event of a divorce, Desert Mountain Insurance will not make any changes to a policy without consent from all named insureds. Should you be going through this …
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Illegal or criminal acts are not covered under the personal liability section of an insurance policy. Therefore, review your actions and the law to determine if you are willing to take on the risk of …
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Consequential damage is the loss, damage or injury sustained as a result or consequence of a covered loss. An examples of consequential damages in a homeowners policy would be, as indicated below, rep…
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It is recommended that you annually review your insurance limits to determine if your property limit values are adequate enough should you sustain a loss. Contact our personal lines agents to review y…
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The moral of the story is... check with your agent! Communication and disclosure only benefit the insured. Giving the insurance agent a complete picture of your exposure will allow them to determine t…
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Important points to consider when your child starts driving. Research the pros and cons of titling the vehicle in your name or your child's. As well as should you add the vehicle and child on to your …
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Back up your devices and data in your electronic equipment. Consider the coverage under your policy for such items as they can travel outside of your home and outside of your auto. Consider ID theft c…
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Just as with your homeowners insurance policy, your personal auto policy will typically state that the named insured includes a dependent child away at school. For specific questions and clarification…
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Before you rent a car, check with your insurance agent to see if your current personal or business auto policy will extend coverage if you damage the rental car you are driving? The coverage purchased…
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