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Prime Insurance Agency is proud to announce the exclusive Maryland Home Insurance product for a select few agents. Have you taken advantage of the new Assurant Home Insurance product for the state of Maryland? Prime Insurance Agency partnered with Assurant/American Bankers Ins Co to offer a very competitive home insurance for just a few specific agents. Assurant is Fortune 500 company. This unique policy is designed for owner occupied, tenant occupied and/or vacant homes. The forms available are DP1, DP2, DP3. A select few agents will be given online quoting and bonding capabilities. For more information on this product, please contact Laura Kaufman at laura@primeins.com or via phone 888-505-7746 ext 102.
960 East County Line Road, Lakewood NJ 08701
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Are you an AARP Member? Do you use Geico, State Farm, or Allstate? Bad news: you’re paying too much for your Auto Insurance. On average, AARP Members enjoy $364 in savings on Auto Insurance when they switch to The Hartford. The AARP Auto Insurance Program from The Hartford is the only Auto Insurance program endorsed by the AARP.
Now saving is easy! With this exclusive policy, members who switch save an average of $364 in the first year alone-and they get all the benefits and privileges you’d expect with the AARP Auto Insurance Program. (Since drivers 50+ are safer, you don’t pay for younger drivers’ mistakes.) Your own savings could actually be greater. Call now or stop by to request a FREE money-saving quote. No coupon necessary.
Plus, they offer 24 Hour Claims Service. You can also have the opportunity to lock in your rate for 12 Months, not six. There is also a Lifetime Renew-ability and New Car Replacement Protection. Good news! The AARP Auto Insurance Program from The Hartford is now available through your local Hartford independent agent! Call today for your FREE, no-obligation quote: 888-505-7746
www.primeins.com
Insurance Agents, have you taken advantage of the new Assurant Home Insurance product for the state of Maryland? Prime Insurance Agency partnered with Assurant/American Bankers Ins Co to offer a very competitive home insurance product for a select few agents. Assurant is a Fortune 500 company ( see www.assurant.com).
The policy is designed for owner occupied, tenant occupied and/or vacant homes.
The forms available are DP1, DP2, DP3.
A select few agents will be given online quoting and binding capabilities.
For more information on this product,
or via phone 888-505-7746 ext 102.
Prime Insurance Agency
http://www.primeins.com/
Imagine a dinner hall overloaded with guest when a fire breaks out, wrecking the building and causing the injury or death of clienteles. The owner’s General Liability Coverage has limits of $1 million per occurrence and $2 million aggregate. Nevertheless, during the investigation it is determined that the dinner hall has had numerous fire code violations and the claimants is granted an outcome of $5 million.
In addition to the already catastrophic episode, a business or industry not protected by Excess or Umbrella coverage would possibly encounter some financial loss too, in such a circumstance. Excess or Umbrella policies do not replace primary General Liability Coverage. But they do add to its protection by contributing extra limits that go beyond those of the primary policy. Regardless of how a business runs, every business has some potential to go wrong. To avoid catastrophe, every business should purchase Excess or Umbrella coverage.
Excess and Umbrella policies serve two unique roles for a business owner. Umbrella policies usually offer broader coverage than Excess policies and provide coverages over several under-lying policies such as General Liability, Business Auto, Liquor Liability, and Employers Liability. They also feature a self-insured retention, which acts similarly to a deductible but only relates to uncovered primary losses before the umbrella starts paying. Additionally to policy limits, it also pays for defense costs.
Alternatively, Excess coverage acts as an addition to the original policy and offers increased restrictions once that policy has been exhausted. If functions as added protection only for items covered by the primary policy. The Excess policy does not provide coverage if the original policy doesn’t. It does not include a self insured retention.
The differences between the two policies are so slight, and it can get confusing to even the most experienced insurance agent. But with difficulty comes chance. Prime Insurance Agency is committed to coach and update you with all the latest information you need.
Most businesses do not produce anywhere near $250 million in profit. But these policies are a great advantage to small businesses as well. Business owners should see how much they can afford to lose, and talk to your agent for more information on how Excess and Umbrella coverage can work for you. Call Sol Ilowitz at Prime Insurance Agency today at 888-505-7746. Check out http://www.primeins.com/ for more information.
960 East County Line Road, Lakewood NJ 08701
Prime Insurance Agency Offers Free Brochures To Help Reinforce Safe Driving Basics
In recent months, there’s been a great deal attention paid to the issue of texting while driving, and with good reason: keeping your eyes on the tiny keyboard in front of you instead of the highway ahead is a sure way to head down the road to disaster. Unfortunately, texting is just the latest in a long line of distractions that are having deadly consequences on America’s roadway with more than 37,000 lives tragically lost each year.
“Distracted driving is increasingly having an impact of lives lost and property damaged,” said Sol Ilowitz of the Prime Insurance Agency. “Safe driving is really about focus. Every day, there are many accidents that could have been avoided, had the basic principles of defensive driving and driver attentiveness been observed.”
To avoid being “driven to distraction”, ask the following questions, when behind the wheel:
Are you keeping your eyes on the prize? These days, cars more than ever resemble mobile offices and massive entertainment centers. Keep in mind: these distractions can cut your reaction time in half, and with most accidents occurring in seconds, you need all the time you can get.
Are you awake enough to drive? Driver fatigue lead to driver inattentiveness, and according to the National Highway Traffic Safety Administration, 100,000 crashes are caused each year by drivers literally being asleep at the wheel. Recognize the signs of drowsy driving, which include difficulty focusing, frequent blinking, irritability, and frequent yawning, and than, take action.
Are you more interested in your cell phone conversation than the road ahead? Even in states where it’s permissible, avoid talking on a cell phone whenever possible. If you absolutely need to place a call, pull off the road to a safe location and dial away.
Do you have a designated deejay? Changing the radio dial or finding that “perfect song” on your MP3 player may seem harmless, but can be big distractions. Whenever possible, let your passenger “take the wheel” when it comes to selecting the musical mood.
Are you being lazy about changing lanes? It’s critical to look briefly over both shoulders before changing lanes. Even with on-board technology, such as blind spot and rare view indicators, the basics still apply: signal, check your mirrors, and glance back both ways to be certain that no one or no thing has found its way into your blind spot.
Are you day-driving or daydreaming? Even without external distractions, it’s easy to get caught up thinking about personal problems or work assignments. If you feel yourself losing your focus, give yourself a wake up call, and set aside your problems. They can wait until the ride is over.
For additional information, Prime Insurance Agency and MetLife Auto & Home are working together to offer free brochures: “Driving While Distracted: Be A Safe Driver” and “In The Driver’s Seat: About Driving Safely.” Both are available by calling Prime Insurance Agency at 888-505-7746 or visiting Prime Insurance Agency at 960 E County Line Road, Lakewood NJ 08701.
At Prime Insurance Agency, we provide a comprehensive product for both commercial and residential child care facilities.
Policy features may include:
>Professional liability for no additional charge
>Child molestation and abuse limits up to the general liability limit with no liability deductible (commercial)
>Our definition of abuse includes corporal punishment
>Medical payments coverage automatically provided for no additional charge for enrolled students
>Defense cost reimbursement coverage for false child molestation and/or abuse allegations against the facility owner, operators and employees
>Employees including directors and assistant directors are insureds under child molestation and/or abuse coverage (commercial)
>Hired and non-owned auto coverage Coverage for facilities that care for children with special needs
>Coverage for facilities with pets and field trips
>Coverage for extended hour and overnight commercial child care facilities and/or “drop in” centers
>Special form including theft and replacement cost coverage available
>Equipment breakdown coverage including spoilage of perishable items
>Value plus endorsement is available on accounts eligible for special form offering 14 optional coverages for one low flat charge including: signs, money and securities, employee dishonesty, accounts receivable coverage and much more
>Background checks with preferred pricing
Additional Advantages:
>A.M. Best rated A++ carrier
>Quick quote turnaround
>Superior policy issuance
>Low minimum premium
You can get the broadest coverage at Prime Insurance Agency – Call 888.505.7746 today or check out www.primeins.com
Millions of auto owners are involved in accidents every year, which can be quite an ordeal. If that weren’t bad enough, auto owners are often stunned to find out that their auto coverage actually may not cover everything they anticipate. For instance, many auto policies will take a deduction for depreciation–even if the car is brand new and is involved in an accident while driving off the dealer’s lot!
“Too often, the importance of having the right insurance is not realized until a loss occurs, and consumers are left paying more than expected for auto repairs,” said Sol Ilowitz from the Prime Insurance Agency. “There are many unexpected out-of-pocket expenses that consumers need to be aware of, because all insurers are certainly not the same.”
Below are some questions you should ask before purchasing auto insurance:
• If your new car is damaged beyond repair, will your auto insurer replace the vehicle with a new one, or take a deduction for depreciation?
• If your older auto is involved in an accident, will your auto insurer replace items like
tires, batteries, steering and electrical wiring components in full, without taking a deduction for depreciation?
• If you have an accident while driving a rental car and it needs repair work, will your auto insurance pay the rental agency’s expenses for daily loss of rental income while the auto is out of service? Will it pay for the towing, storage and administrative costs the rental company may incur?
“Consumers are often surprised to find out that their insurers deduct for depreciation when settling both total and partial loss claims on their brand new owned vehicles,” said Ilowitz. “Customers may also get bills from a rental-car company for the company’s business losses, and are unhappy to discover that their auto insurance does not reimburse for these expenses. By asking questions before the loss, the customer has the option to either accept limited coverage or secure a more complete policy.”
For a better understanding of the level of insurance that’s right for you, contact Sol Ilowitz
at the Prime Insurance Agency by calling 888-505-7746 or visit the agency at 960 E
County Line Road, Lakewood N.J. 08701
The office is unusually quiet. Your co-workers have fled for vacation. What would go better with your leftover turkey and gift box remnants than to review your current insurance policies? A very responsible way to begin the new year is to contact Prime Insurance Agency for a FREE review of your insurance policies. So don’t waste time calling different insurance companies for insurance quotes. Call Prime Insurance Agency today. They are located in Lakewood NJ and now operating in 8 states and growing. They are knowledgeable, have fantastic service and are very competitive in pricing. They have a team that is second to none. What have you got to lose? Call them at 888-505-7746 for a free quote consultation – you’ll be glad you did! Don’t forget to use this time wisely, before your co-workers get back and the office starts to get busy again! Check out Prime Insurance Agency today!
Car insurance is a necessity — and in most states, it’s the law. When shopping for home insurance, there is much more to consider than how much your coverage will cost. You can now bundle your Auto and Home Insurance with Prime Insurance Agency for amazing savings. Prime Insurance is contracted with many insurance companies and will tailor the policy as per your needs for very competitive rates. Now you can have the peace of mind as you protect your home, and you can be assured that your car will be protected too - at great rates! For Home Insurance you need the proper level of protection, plus special provisions for valuables such as jewelry, your computer equipment and other possessions. You might also need additional coverage for such things as water backup or flooding. An auto insurance policy is comprised of six different kinds of coverage. With Prime Insurance Agency, you don’t have to worry. With so many options of carriers available, we are able to focus on your specific auto and home insurance needs and deliver pricing options for your budget. Prime Insurance Agency, located in Lakewood NJ is now operating in 8 states and growing. They have a team that is second to none. We strongly suggest you call them now @ 888 505 7746 or visit them on the web www.primeins.com Call them and you’ll be glad you did.
A decade ago the term “ vacant properties” generally meant tumbledown buildings and polluted brownfields that pose a public hazard – or at best, under performing “ grayfields” properties with a few tenants hanging by a thread as vandals gain the upper hand. Today – thanks to recession and a battered commercial real estate (CRE) market – vacant property more often involves valuable, often prime real estate assets that need protection until new or replacement tenants are found.
This year, the CRE market is showing some life – sales rose 30% in Q1 2011 vs. Q1 2010. But the long road to recovery remains mostly in front of us. In the meantime, developers, property managers, and CRE risk managers must focus on protecting the full value of their assets through a lengthened real estate sales cycle. And that full value can be significant. Many of these vacant properties are newer, high-quality structures equipped with state-of-the-art fire control systems and supervised daily by security patrols. These maybe also be brand-new buildings built on spec whose developers find it difficult to attract buyers.
Prime Insurance Agency has developed a very competitive insurance program for vacant properties – be it a vacant home or a large commercial vacant real estate building. Please contact us for a free no obligation quote at 888-505-7746. Ask to speak to Sol.
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