Mastering Commercial Auto Insurance: Essential Protection for Your Business Vehicles

Posted on by adminPosted in InsuranceTagged , , , , ,

At ANA Insurance Brokerage, Inc., we recognize the critical role vehicles play in your business operations. Commercial Auto Insurance is not just a requirement; it’s a strategic asset for your business. This guide explains its importance and how it can protect your business vehicles.

What is Commercial Auto Insurance?:

Commercial Auto Insurance provides coverage for vehicles used for business purposes. This includes protection against damages from accidents, theft, vandalism, and liability claims. Whether you have a single vehicle or a fleet, this insurance is crucial for your business’s financial security.

Why Invest in Commercial Auto Insurance?:

  • Liability Protection: Covers damages if your business vehicle is involved in an accident, protecting you from costly lawsuits.
  • Asset Safety: Protects your business vehicles against theft, damage, and accidents, ensuring business continuity.
  • Compliance and Peace of Mind: Meets legal requirements and provides peace of mind, knowing your business assets are protected.

Tailoring Your Coverage:

Every business is unique, and so are its insurance needs. ANA Insurance Brokerage, Inc. specializes in customizing Commercial Auto Insurance policies to fit your specific business requirements. From liability limits to additional coverage options, we ensure your policy aligns with your business needs.

Risk Management for Business Vehicles:

Implementing effective risk management strategies is essential for minimizing insurance claims:

  • Regular Vehicle Maintenance: Ensure regular maintenance checks to keep vehicles in optimal condition.
  • Driver Training Programs: Provide training for drivers to promote safe driving practices.
  • Policy Review and Updates: Keep your insurance policies up-to-date with ANA Insurance Brokerage, Inc. to reflect changes in your business.

Choosing the Right Policy for Your Business:

Navigating the options for Commercial Auto Insurance can be complex. Our team at ANA Insurance Brokerage, Inc. is here to simplify the process, offering expert guidance to help you select the best policy for your business.

Conclusion:

Commercial Auto Insurance is an indispensable part of your business insurance portfolio. It safeguards your business vehicles, an essential asset, and ensures you’re covered against unexpected events.

Call to Action:

Drive your business forward with confidence. Contact ANA Insurance Brokerage, Inc. today to find out more about our Commercial Auto Insurance solutions and how we can help protect your business vehicles.

Read More

At ANA Insurance Brokerage, Inc., we recognize the critical role vehicles play in your business operations. Commercial Auto Insurance is not just a requirement; it’s a strategic asset for your business. This guide explains its importance and how it can protect your business vehicles.

What is Commercial Auto Insurance?:

Commercial Auto Insurance provides coverage for vehicles used for business purposes. This includes protection against damages from accidents, theft, vandalism, and liability claims. Whether you have a single vehicle or a fleet, this insurance is crucial for your business’s financial security.

Why Invest in Commercial Auto Insurance?:

  • Liability Protection: Covers damages if your business vehicle is involved in an accident, protecting you from costly lawsuits.
  • Asset Safety: Protects your business vehicles against theft, damage, and accidents, ensuring business continuity.
  • Compliance and Peace of Mind: Meets legal requirements and provides peace of mind, knowing your business assets are protected.

Tailoring Your Coverage:

Every business is unique, and so are its insurance needs. ANA Insurance Brokerage, Inc. specializes in customizing Commercial Auto Insurance policies to fit your specific business requirements. From liability limits to additional coverage options, we ensure your policy aligns with your business needs.

Risk Management for Business Vehicles:

Implementing effective risk management strategies is essential for minimizing insurance claims:

  • Regular Vehicle Maintenance: Ensure regular maintenance checks to keep vehicles in optimal condition.
  • Driver Training Programs: Provide training for drivers to promote safe driving practices.
  • Policy Review and Updates: Keep your insurance policies up-to-date with ANA Insurance Brokerage, Inc. to reflect changes in your business.

Choosing the Right Policy for Your Business:

Navigating the options for Commercial Auto Insurance can be complex. Our team at ANA Insurance Brokerage, Inc. is here to simplify the process, offering expert guidance to help you select the best policy for your business.

Conclusion:

Commercial Auto Insurance is an indispensable part of your business insurance portfolio. It safeguards your business vehicles, an essential asset, and ensures you’re covered against unexpected events.

Call to Action:

Drive your business forward with confidence. Contact ANA Insurance Brokerage, Inc. today to find out more about our Commercial Auto Insurance solutions and how we can help protect your business vehicles.

Navigating Auto Insurance: Your Essential Guide for Road Protection

Posted on by adminPosted in InsuranceTagged , , , , ,

At ANA Insurance Brokerage, Inc., we’re dedicated to helping you drive with confidence. Auto insurance is not just a legal requirement; it’s a critical layer of protection for you and your vehicle. This guide will delve into the essentials of auto insurance and how it safeguards your travels.

What is Auto Insurance?:

Auto insurance provides financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. It can also offer financial protection against vehicle theft, damage from events other than traffic collisions, such as keying, weather, or natural disasters, and against damage sustained by colliding with stationary objects.

The Importance of Auto Insurance:

  • Financial Protection: Covers costs from accidents, including vehicle repairs and medical expenses.
  • Legal Compliance: Meets state requirements for minimum insurance coverage.
  • Peace of Mind: Reduces stress and uncertainty while driving, knowing you’re protected against unforeseen events.

Customizing Your Auto Insurance Policy:

Your vehicle and driving habits are unique, and so are your insurance needs. ANA Insurance Brokerage, Inc. offers personalized policy options, ensuring you get the coverage that suits you best, without paying for unnecessary extras.

Factors Influencing Your Insurance Premiums:

Several factors can affect your auto insurance rates, including:

  • Your Vehicle: Make, model, and age of your car.
  • Driving History: Your track record on the road.
  • Coverage Level: The amount and types of coverage you choose.

Safety Tips for Drivers:

Staying safe on the road not only protects you and others but can also help keep your insurance premiums low:

  • Defensive Driving: Always be alert and aware of your surroundings.
  • Regular Maintenance: Keep your vehicle in good condition to avoid malfunctions.
  • Safe Driving Courses: Consider taking these courses to improve your driving skills and possibly lower your insurance rates.

Conclusion:

Auto insurance is an essential aspect of responsible vehicle ownership. It offers vital protection on the road, ensuring you and your vehicle are covered in case of accidents or theft.

Call to Action:

Drive with assurance and get the right auto insurance coverage with ANA Insurance Brokerage, Inc. Contact us today to explore your options and find a policy that keeps you well-protected on every journey.

Read More

At ANA Insurance Brokerage, Inc., we’re dedicated to helping you drive with confidence. Auto insurance is not just a legal requirement; it’s a critical layer of protection for you and your vehicle. This guide will delve into the essentials of auto insurance and how it safeguards your travels.

What is Auto Insurance?:

Auto insurance provides financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. It can also offer financial protection against vehicle theft, damage from events other than traffic collisions, such as keying, weather, or natural disasters, and against damage sustained by colliding with stationary objects.

The Importance of Auto Insurance:

  • Financial Protection: Covers costs from accidents, including vehicle repairs and medical expenses.
  • Legal Compliance: Meets state requirements for minimum insurance coverage.
  • Peace of Mind: Reduces stress and uncertainty while driving, knowing you’re protected against unforeseen events.

Customizing Your Auto Insurance Policy:

Your vehicle and driving habits are unique, and so are your insurance needs. ANA Insurance Brokerage, Inc. offers personalized policy options, ensuring you get the coverage that suits you best, without paying for unnecessary extras.

Factors Influencing Your Insurance Premiums:

Several factors can affect your auto insurance rates, including:

  • Your Vehicle: Make, model, and age of your car.
  • Driving History: Your track record on the road.
  • Coverage Level: The amount and types of coverage you choose.

Safety Tips for Drivers:

Staying safe on the road not only protects you and others but can also help keep your insurance premiums low:

  • Defensive Driving: Always be alert and aware of your surroundings.
  • Regular Maintenance: Keep your vehicle in good condition to avoid malfunctions.
  • Safe Driving Courses: Consider taking these courses to improve your driving skills and possibly lower your insurance rates.

Conclusion:

Auto insurance is an essential aspect of responsible vehicle ownership. It offers vital protection on the road, ensuring you and your vehicle are covered in case of accidents or theft.

Call to Action:

Drive with assurance and get the right auto insurance coverage with ANA Insurance Brokerage, Inc. Contact us today to explore your options and find a policy that keeps you well-protected on every journey.

Do You Have to Notify Your Home Insurance Company If You Get a Dog?

Posted on by adminPosted in InsuranceTagged ,

The Role of Home Insurance in Pet Ownership

Introducing a furry companion into your home is a thrilling experience, but it’s important to understand the potential impact on your home insurance coverage. ANA Insurance Brokerage Inc., operating in the wider Southgate, CA region, is here to explore whether informing your home insurance company when adopting a dog is necessary.

Different Insurance Requisites for Pet Owners

While there’s no overarching mandatory requirement to inform your home insurance provider about your new dog, revisiting your policy terms is recommended. Certain companies may have specific clauses relating to pet ownership, especially concerning high-risk breeds.

Liability Coverage and Pet Ownership

Considering your insurer when adopting a dog is vital due to the possible liability concerns. Dogs can inadvertently pose risks, such as causing damage to property or inflicting injuries on others. Thus, a comprehensive home insurance policy, inclusive of liability coverage, becomes indispensable.

Possible Breed Restrictions and Exclusions

Insurance providers may enforce restrictions or exclusions on certain breeds assumed to harbor a higher risk of aggression incidents. Verifying with your insurer if such exclusions apply to your dog’s breed is beneficial.

Aligning Your Policy with Your Pet Ownership

While adding a dog to your family, it’s prudent to inform your insurance provider, even if not strictly required. Such disclosure ensures transparency and allows your insurer to weigh any potential implications on your coverage.

Team up with ANA Insurance Brokerage Inc. for Your Insurance Needs

At ANA Insurance Brokerage Inc., we are committed to assisting Southgate, CA homeowners to decipher the complexity of insurance. Our seasoned agents can offer guidance on how pet ownership might impact your home insurance coverage, helping you find solutions tailored to your requirements.

Read More

The Role of Home Insurance in Pet Ownership

Introducing a furry companion into your home is a thrilling experience, but it’s important to understand the potential impact on your home insurance coverage. ANA Insurance Brokerage Inc., operating in the wider Southgate, CA region, is here to explore whether informing your home insurance company when adopting a dog is necessary.

Different Insurance Requisites for Pet Owners

While there’s no overarching mandatory requirement to inform your home insurance provider about your new dog, revisiting your policy terms is recommended. Certain companies may have specific clauses relating to pet ownership, especially concerning high-risk breeds.

Liability Coverage and Pet Ownership

Considering your insurer when adopting a dog is vital due to the possible liability concerns. Dogs can inadvertently pose risks, such as causing damage to property or inflicting injuries on others. Thus, a comprehensive home insurance policy, inclusive of liability coverage, becomes indispensable.

Possible Breed Restrictions and Exclusions

Insurance providers may enforce restrictions or exclusions on certain breeds assumed to harbor a higher risk of aggression incidents. Verifying with your insurer if such exclusions apply to your dog’s breed is beneficial.

Aligning Your Policy with Your Pet Ownership

While adding a dog to your family, it’s prudent to inform your insurance provider, even if not strictly required. Such disclosure ensures transparency and allows your insurer to weigh any potential implications on your coverage.

Team up with ANA Insurance Brokerage Inc. for Your Insurance Needs

At ANA Insurance Brokerage Inc., we are committed to assisting Southgate, CA homeowners to decipher the complexity of insurance. Our seasoned agents can offer guidance on how pet ownership might impact your home insurance coverage, helping you find solutions tailored to your requirements.

Bundling Multiple Auto Policies: A Wise Investment

Posted on by adminPosted in Auto InsuranceTagged ,

If you’re buying auto insurance from ANA Insurance Brokerage Inc. for your Southgate, CA vehicles, it’s important to understand bundling. This process can provide you with the great insurance policies you deserve at a price that you can afford. Here’s what you need to know about this process.

How Bundling Helps You 

Auto insurance bundling takes all your car insurance policies and collects them into one payment package. It’s a common coverage option for many people because it creates a streamlined option that often offers benefits like discounts, more comprehensive policies, and unique policy options.

Note that you can also bundle other non-auto policies into your coverage. For instance, many companies let you bundle home and even health insurance to create a coherent coverage package. Try this approach if you have multiple cars and plan on working with the same provider.

Tips for Bundling 

If you’re interested in bundling your policies in this way, it’s critical to do it properly. While it’s not necessarily challenging, there are mistakes you might make that could impact your policy’s effectiveness. Just a few steps that you can take when bundling your insurance include:

  • Always working with the same provider to get effective results when bundling policies 
  • Focusing on bundling policies that provide the most comprehensive policies you can find 
  • Paying attention to confusing language and ask your agent to explain your policies properly
  • Keeping your policies up to date with regular checks on new options

Work With Us Today!

At ANA Insurance Brokerage Inc., we have years of experience helping Southgate, CA residents get the help that they deserve. We’ll spend the time working directly with you to make this process easier and more efficient. Contact us today to learn more about the bundling process and its benefits.

Read More

If you’re buying auto insurance from ANA Insurance Brokerage Inc. for your Southgate, CA vehicles, it’s important to understand bundling. This process can provide you with the great insurance policies you deserve at a price that you can afford. Here’s what you need to know about this process.

How Bundling Helps You 

Auto insurance bundling takes all your car insurance policies and collects them into one payment package. It’s a common coverage option for many people because it creates a streamlined option that often offers benefits like discounts, more comprehensive policies, and unique policy options.

Note that you can also bundle other non-auto policies into your coverage. For instance, many companies let you bundle home and even health insurance to create a coherent coverage package. Try this approach if you have multiple cars and plan on working with the same provider.

Tips for Bundling 

If you’re interested in bundling your policies in this way, it’s critical to do it properly. While it’s not necessarily challenging, there are mistakes you might make that could impact your policy’s effectiveness. Just a few steps that you can take when bundling your insurance include:

  • Always working with the same provider to get effective results when bundling policies 
  • Focusing on bundling policies that provide the most comprehensive policies you can find 
  • Paying attention to confusing language and ask your agent to explain your policies properly
  • Keeping your policies up to date with regular checks on new options

Work With Us Today!

At ANA Insurance Brokerage Inc., we have years of experience helping Southgate, CA residents get the help that they deserve. We’ll spend the time working directly with you to make this process easier and more efficient. Contact us today to learn more about the bundling process and its benefits.

Insurance Tips on Roommates and Visitors

Posted on by adminPosted in Renters InsuranceTagged ,

There are as many ways to categorize someone who spends time in your home as there are ways to get around town these days. Since it’s hard to pin down when a frequent visitor becomes a roommate or a relationship becomes an apartment-mate, it can be difficult to know whether your insurance coverage is set up right.

At ANA Insurance Brokerage Inc., we help customers in Southgate, CA get the coverage they need for the way they live, so they can make choices that are right for them. Our insurance professionals see the results of life’s twists and turns and how they affect renters and homeowners, and we want to make sure you’re covered even for the things you’re sure won’t happen. Because…you know how that turns out.

Roomates: A Simple Question, Many Ways to Think About It

In California, things can turn formal pretty quickly. A week-long stay, or two weeks of visits over six months can make a big difference in the rights and responsibilities between you and your visitor. Roommates become formalized quickly, and the state has many rights and options available to consider, especially as housing issues increase. You might be thinking about your rights relative to your roommate or visitor, but there is also how your renters or homeowners insurance applies to them.

Make Sure to Clarify Your Living Situation

Just as you should make sure your lease is set straight, at ANA Insurance Brokerage Inc., we can help you make sure your Southgate, CA home or apartment is insured properly for the people who live there. We can also make sure that you understand how that coverage works in case liability, loss, or other issues arise. We’re here to help make your life go more smoothly, call us today!

Read More

There are as many ways to categorize someone who spends time in your home as there are ways to get around town these days. Since it’s hard to pin down when a frequent visitor becomes a roommate or a relationship becomes an apartment-mate, it can be difficult to know whether your insurance coverage is set up right.

At ANA Insurance Brokerage Inc., we help customers in Southgate, CA get the coverage they need for the way they live, so they can make choices that are right for them. Our insurance professionals see the results of life’s twists and turns and how they affect renters and homeowners, and we want to make sure you’re covered even for the things you’re sure won’t happen. Because…you know how that turns out.

Roomates: A Simple Question, Many Ways to Think About It

In California, things can turn formal pretty quickly. A week-long stay, or two weeks of visits over six months can make a big difference in the rights and responsibilities between you and your visitor. Roommates become formalized quickly, and the state has many rights and options available to consider, especially as housing issues increase. You might be thinking about your rights relative to your roommate or visitor, but there is also how your renters or homeowners insurance applies to them.

Make Sure to Clarify Your Living Situation

Just as you should make sure your lease is set straight, at ANA Insurance Brokerage Inc., we can help you make sure your Southgate, CA home or apartment is insured properly for the people who live there. We can also make sure that you understand how that coverage works in case liability, loss, or other issues arise. We’re here to help make your life go more smoothly, call us today!

Exploring RV Adventures: Protecting Your Home on Wheels with RV Insurance

Posted on by adminPosted in RV InsuranceTagged ,

Southgate, CA with its beautiful landscapes and countless opportunities for exploration, is a haven for RV enthusiasts who love taking road trips. One of the most important things to take along on your next RV adventure is comprehensive RV insurance to protect your rolling home. 

Don’t underestimate the importance of taking care of your home-on-wheels when exploring. Trusted RV insurance agents at ANA Insurance Brokerage Inc. can help you protect your rolling investment.

Why You Need Comprehensive RV Coverage 

RV Insurance helps to safeguard your RV body, interior, and contents when you’re traveling away from home. Today’s RV insurance policies can safeguard your finances from RV accidents, theft, natural disasters, and other mishaps that occur when you’re driving, parked at a campground, or boondocking at your favorite out-of-the-way destination. 

Talk to a knowledgeable agent at ANA Insurance Brokerage to learn more about the following types of RV insurance coverage. 

RV Coverage Options for Californians

Liability Protection for RV Owners: Get liability protection to shield your finances from legal claims arising from at-fault accidents or property damage. 

Comprehensive and Collision Coverage for RVs: This coverage will repair or replace your RV in the event of an accident, theft, or vandalism. 

Personal Belongings: With the right RV insurance coverage, your favorite belongings are safe from theft or damage.

Schedule A Consultation Today

Don’t wait until it’s too late to get comprehensive RV protection to cover your new or used camper, pull-behind trailer, fifth wheel, or motor home. A licensed insurance agent can help protect your investment.

Contact our team of experts at ANA Insurance Brokerage Inc. in Southgate, CA to learn about RV insurance coverage options and get a free quote today! 

Read More

Southgate, CA with its beautiful landscapes and countless opportunities for exploration, is a haven for RV enthusiasts who love taking road trips. One of the most important things to take along on your next RV adventure is comprehensive RV insurance to protect your rolling home. 

Don’t underestimate the importance of taking care of your home-on-wheels when exploring. Trusted RV insurance agents at ANA Insurance Brokerage Inc. can help you protect your rolling investment.

Why You Need Comprehensive RV Coverage 

RV Insurance helps to safeguard your RV body, interior, and contents when you’re traveling away from home. Today’s RV insurance policies can safeguard your finances from RV accidents, theft, natural disasters, and other mishaps that occur when you’re driving, parked at a campground, or boondocking at your favorite out-of-the-way destination. 

Talk to a knowledgeable agent at ANA Insurance Brokerage to learn more about the following types of RV insurance coverage. 

RV Coverage Options for Californians

Liability Protection for RV Owners: Get liability protection to shield your finances from legal claims arising from at-fault accidents or property damage. 

Comprehensive and Collision Coverage for RVs: This coverage will repair or replace your RV in the event of an accident, theft, or vandalism. 

Personal Belongings: With the right RV insurance coverage, your favorite belongings are safe from theft or damage.

Schedule A Consultation Today

Don’t wait until it’s too late to get comprehensive RV protection to cover your new or used camper, pull-behind trailer, fifth wheel, or motor home. A licensed insurance agent can help protect your investment.

Contact our team of experts at ANA Insurance Brokerage Inc. in Southgate, CA to learn about RV insurance coverage options and get a free quote today! 

How do I know if I need to register and insure my motorcycle?

Posted on by adminPosted in Motorcycle InsuranceTagged ,

It’s important to learn your responsibilities when riding a motorcycle on public Southgate, CA streets. It can also be confusing because of how motorcycles are classified. Some smaller motorized bikes may not even be considered motorcycles under California law. ANA Insurance Brokerage Inc. can help you make sure you are covered.

What Is a Motorcycle?

In California, a motorcycle is a vehicle designed to travel with 2 or 3 wheels in contact with the ground. The motor must be at least 150cc. If the motor is smaller than that, the bike will be considered a mini motorcycle or a motorized scooter.

Mini choppers or pocket bikes are not permitted on public roads because they do not meet Federal Safety Standards. You can operate a motorized scooter on public streets as long as you are at least 16 and have the proper permit and helmet. Any vehicle considered a motorcycle will need a California registration before you operate it on a public street. You don’t need a registration for a scooter.

Registering Your Motorcycle

To register your motorcycle, you will need:

  • either a California Certificate of Title or the name and address of the lienholder (if you have a loan),
  • proof of insurance, either in the form of a vehicle liability policy (like auto insurance), a certificate from the BMV that you are self-insured, or a $35,000 bond from a licensed California bond company,
  • a current, valid California motorcycle license,
  • and the applicable fees.

Schedule A Consultation Today

Southgate, CA is a great place to ride a motorcycle, but you should make sure you’re protected. If you have any questions about motorcycle insurance and registration or just about insurance in general, please feel free to call ANA Insurance Brokerage Inc. today.

Read More

It’s important to learn your responsibilities when riding a motorcycle on public Southgate, CA streets. It can also be confusing because of how motorcycles are classified. Some smaller motorized bikes may not even be considered motorcycles under California law. ANA Insurance Brokerage Inc. can help you make sure you are covered.

What Is a Motorcycle?

In California, a motorcycle is a vehicle designed to travel with 2 or 3 wheels in contact with the ground. The motor must be at least 150cc. If the motor is smaller than that, the bike will be considered a mini motorcycle or a motorized scooter.

Mini choppers or pocket bikes are not permitted on public roads because they do not meet Federal Safety Standards. You can operate a motorized scooter on public streets as long as you are at least 16 and have the proper permit and helmet. Any vehicle considered a motorcycle will need a California registration before you operate it on a public street. You don’t need a registration for a scooter.

Registering Your Motorcycle

To register your motorcycle, you will need:

  • either a California Certificate of Title or the name and address of the lienholder (if you have a loan),
  • proof of insurance, either in the form of a vehicle liability policy (like auto insurance), a certificate from the BMV that you are self-insured, or a $35,000 bond from a licensed California bond company,
  • a current, valid California motorcycle license,
  • and the applicable fees.

Schedule A Consultation Today

Southgate, CA is a great place to ride a motorcycle, but you should make sure you’re protected. If you have any questions about motorcycle insurance and registration or just about insurance in general, please feel free to call ANA Insurance Brokerage Inc. today.

Finders Keepers?

Posted on by adminPosted in Boat/Watercraft InsuranceTagged ,

So you took your boat out to do some deep-sea fishing. Instead of a trophy-worthy swordfish, you got a shipping crate. Or perhaps some jewelry. Maybe you went snorkeling and found a whole ship full of goodies. Is the old "finders keepers, losers weepers" adage in play? For the most part, yes but there are some conditions to keep in mind. 

The Law of Salvage

Is it possible to find the original owner? If the crate has a name stamped on it or the jewelry has a name or address engraved, you do have to return it. However, you will be compensated for your trouble. Your compensation can generally be anywhere from 10% to 25% of the property’s value, depending on the risk and difficulty of the rescue operation. If you are caught with unreported salvaged property, you could forfeit your compensation. 

The Law of Finds

This applies to shipwrecks. If it has been under for a period of years and the original owner is not looking for it, then finders keepers! An exception is if the wreck was within three miles of the coastline. Then it belongs to Uncle Sam. The same applies to a ship that is property of the U.S. government as they never abandon a search. 

The Marine Protection, Research, and Sanctuaries Act

If you find a shipwreck that would have significant historical value, you are not allowed to take anything or even disturb or damage the site. That belongs in a museum! Just contact the Coast Guard and smile for the camera when they take your picture for the local papers. 

ANA Insurance Brokerage Inc. Serving Southgate, CA

If you are in the Southgate, CA are and looking to insure your boat, please contact ANA Insurance Brokerage Inc. We’ll treat you right. 

Read More

So you took your boat out to do some deep-sea fishing. Instead of a trophy-worthy swordfish, you got a shipping crate. Or perhaps some jewelry. Maybe you went snorkeling and found a whole ship full of goodies. Is the old "finders keepers, losers weepers" adage in play? For the most part, yes but there are some conditions to keep in mind. 

The Law of Salvage

Is it possible to find the original owner? If the crate has a name stamped on it or the jewelry has a name or address engraved, you do have to return it. However, you will be compensated for your trouble. Your compensation can generally be anywhere from 10% to 25% of the property’s value, depending on the risk and difficulty of the rescue operation. If you are caught with unreported salvaged property, you could forfeit your compensation. 

The Law of Finds

This applies to shipwrecks. If it has been under for a period of years and the original owner is not looking for it, then finders keepers! An exception is if the wreck was within three miles of the coastline. Then it belongs to Uncle Sam. The same applies to a ship that is property of the U.S. government as they never abandon a search. 

The Marine Protection, Research, and Sanctuaries Act

If you find a shipwreck that would have significant historical value, you are not allowed to take anything or even disturb or damage the site. That belongs in a museum! Just contact the Coast Guard and smile for the camera when they take your picture for the local papers. 

ANA Insurance Brokerage Inc. Serving Southgate, CA

If you are in the Southgate, CA are and looking to insure your boat, please contact ANA Insurance Brokerage Inc. We’ll treat you right. 

Three pieces of misinformation out there about umbrella insurance

Posted on by adminPosted in Umbrella InsuranceTagged ,

Umbrella insurance is an important type of coverage to carry for consumers in Southgate, CA who want total financial protection. At ANA Insurance Brokerage Inc., we offer umbrella insurance policies.

Consumers need to be accurately informed about what umbrella insurance is. There is a lot of misinformation about umbrella insurance that consumers might come across. 

The following are three pieces of misinformation out there about umbrella insurance:

Consumers need to have a minimum net worth to qualify for coverage.

Insurance providers generally do not have net worth requirements. The only requirements you need to meet to qualify for coverage are having adequate liability coverage on your primary insurance policies like your home and auto policies. 

You have to own a home to qualify for umbrella insurance.

While owning a home can allow you to enjoy enhanced home insurance coverage with umbrella insurance, you don’t have to own a home to qualify.

Consumers who aren’t homeowners can use umbrella insurance to add to the coverage they get through their auto insurance and renter’s insurance policies. 

An umbrella insurance policy will cover every liability risk you can possibly face.

While umbrella insurance does offer a wide scope of coverage, there are some scenarios in which umbrella insurance won’t cover you.

For example, your umbrella insurance won’t cover you if you face liability expenses as a result of an act that you committed intentionally. Umbrella insurance also won’t cover you for liabilities related to a business. 

Consult With Us

Elevate your coverage to new heights! At ANA Insurance Brokerage Inc., our umbrella insurance provides extra protection when you need it most. Consumers in Southgate, CA can call us today for a policy quote!

Read More

Umbrella insurance is an important type of coverage to carry for consumers in Southgate, CA who want total financial protection. At ANA Insurance Brokerage Inc., we offer umbrella insurance policies.

Consumers need to be accurately informed about what umbrella insurance is. There is a lot of misinformation about umbrella insurance that consumers might come across. 

The following are three pieces of misinformation out there about umbrella insurance:

Consumers need to have a minimum net worth to qualify for coverage.

Insurance providers generally do not have net worth requirements. The only requirements you need to meet to qualify for coverage are having adequate liability coverage on your primary insurance policies like your home and auto policies. 

You have to own a home to qualify for umbrella insurance.

While owning a home can allow you to enjoy enhanced home insurance coverage with umbrella insurance, you don’t have to own a home to qualify.

Consumers who aren’t homeowners can use umbrella insurance to add to the coverage they get through their auto insurance and renter’s insurance policies. 

An umbrella insurance policy will cover every liability risk you can possibly face.

While umbrella insurance does offer a wide scope of coverage, there are some scenarios in which umbrella insurance won’t cover you.

For example, your umbrella insurance won’t cover you if you face liability expenses as a result of an act that you committed intentionally. Umbrella insurance also won’t cover you for liabilities related to a business. 

Consult With Us

Elevate your coverage to new heights! At ANA Insurance Brokerage Inc., our umbrella insurance provides extra protection when you need it most. Consumers in Southgate, CA can call us today for a policy quote!

What You Need to Know Before Becoming an Employer

Posted on by adminPosted in Commercial InsuranceTagged ,

As an employer here in the Southgate, CA area, there are a few important things you need to keep in mind.

Before Becoming an Employer

First and foremost, you should be aware of your legal obligations as an employer. At ANA Insurance Brokerage Inc., we want you to be aware of some of the most important so that your business can be successful.

This includes understanding all relevant labor laws, such as the minimum wage ordinance, fair labor standards act, and workplace safety regulations. It is also important to stay up-to-date with any changes that may occur so that you can remain compliant. Additionally, you should clearly communicate expectations to your employees and ensure that they understand their job descriptions and duties. 

You should also be ready to provide onboarding training for new hires so that they can hit the ground running when they start working for you. Create a clear employee handbook that outlines the company’s policies and procedures so everyone is on the same page from day one. Finally, make sure to have effective systems in place for managing payroll and benefits administration if applicable. 

Overall, becoming an employer requires commitment and dedication to make sure everything is done correctly and legally. Taking into consideration these factors will help you ensure that your business runs smoothly while providing a safe working environment for your employees.

We Can Help!

For more tips or to explore a commercial insurance policy that will protect you, your employees, and your business, give us at ANA Insurance Brokerage Inc. a call today. We are proud to serve the Southgate, CA area and would be happy to help you find a policy that meets your needs as well as your budget.

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As an employer here in the Southgate, CA area, there are a few important things you need to keep in mind.

Before Becoming an Employer

First and foremost, you should be aware of your legal obligations as an employer. At ANA Insurance Brokerage Inc., we want you to be aware of some of the most important so that your business can be successful.

This includes understanding all relevant labor laws, such as the minimum wage ordinance, fair labor standards act, and workplace safety regulations. It is also important to stay up-to-date with any changes that may occur so that you can remain compliant. Additionally, you should clearly communicate expectations to your employees and ensure that they understand their job descriptions and duties. 

You should also be ready to provide onboarding training for new hires so that they can hit the ground running when they start working for you. Create a clear employee handbook that outlines the company’s policies and procedures so everyone is on the same page from day one. Finally, make sure to have effective systems in place for managing payroll and benefits administration if applicable. 

Overall, becoming an employer requires commitment and dedication to make sure everything is done correctly and legally. Taking into consideration these factors will help you ensure that your business runs smoothly while providing a safe working environment for your employees.

We Can Help!

For more tips or to explore a commercial insurance policy that will protect you, your employees, and your business, give us at ANA Insurance Brokerage Inc. a call today. We are proud to serve the Southgate, CA area and would be happy to help you find a policy that meets your needs as well as your budget.

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