Tag: Lynnwood WA

Running a business in the Lynnwood, WA, area can be challenging under ideal conditions, but what happens when a company must close temporarily due to unforeseen circumstances? Companies barely making ends meet risk going out of business if they have to pay weeks of salary, rent, and other expenses with no income. Securum LLC provides local companies with insurance policies that can protect against business interruptions.

Why Business Interruption Insurance?

Many entrepreneurs believe their business operations policy (BOP) will protect them adequately. While many policies will cover some aspects of unexpected closure, they won’t cover employee wages, rent if you must use a temporary location, or income you may lose during this time. Insurance companies do not sell business interruption insurance as a separate policy, but you can use it as an add-on to other protections in your commercial business policy. This provision can make the difference between weathering a temporary storm and going under.

It’s Always a Good Idea

Carrying business interruption insurance is a good idea for just about any business. However, small companies are more vulnerable than larger ones that may have emergency funds for such circumstances. Within small business categories, some are more vulnerable than others, including anyone who relies on a specific physical location or specialized machinery for operation. You should consider adding this protection to your policy if you are one of the following industries:

• Retail stores
• Restaurants
• Pet groomers
• Salons and spas
• Fitness studios

Entrepreneurs can select from several types of business insurance policy add-ons to help protect their companies. The type you need for your company depends on your specific industry, the number of employees, and other factors. Securum LLC, serving business in Lynnwood, WA, will gladly consult with you on the type and level of coverage needed.

Depending on where you live in Washington, your winters may be very wet or very snowy. Making sure that your home is prepared for winter lets you relax and enjoy the seasonal changes. At Securum LLC in Lynnwood, WA, we will help to make sure your home is prepared with the right home insurance to keep you protected. 

Preparing your home for winter

Clean your gutters 

Allowing leaves and debris to accumulate in your gutters can result in damage to your roof. If the water can’t drain, it backs up under the shingles and can be damaged. Both the exterior and the interior of your home.   

Get the furnace serviced

Nothing makes winter more uncomfortable than not being able to heat your home. Schedule your furnace cleaning in the early fall before the cold weather hits. 

A clean chimney is a safe chimney

If you have a fireplace and you plan to use it, getting the chimney cleaned is a no-brainer. Creosote can accumulate, and this poses a fire risk. 

Make sure your carbon monoxide detector is working 

Every year someone dies from carbon monoxide from a faulty furnace. Make sure you and your family are safe and have a detector right next to your smoke detector. 

Do a fall leave clean-up

When the leaves accumulate on your driveway or walkway, they pose a slip-and-fall hazard. You can hire someone to do the job for you or DIY, but make sure it gets done sooner rather than later. 

Trim trees

Winter can bring ice and high winds and any branches that are dead should be removed from your trees. Falling branches can damage your home, your vehicle or a person when they fall. 

Purchase sand and salt

Be proactive and get your sand and salt before the first big freeze. You will be glad you did. 

Consult With Us

Contact Securum LLC in Lynnwood, WA when you need home insurance. 

Renters insurance is crucial for safeguarding personal belongings within a rented residence in and around the Lynnwood, WA area. Many renters may not realize that their renter’s insurance can extend its protective reach beyond the walls of their rented homes. Understanding the ins and outs of renters insurance for storage units ensures comprehensive coverage.

Coverage Extension for Off-Premises Belongings

While renters insurance primarily covers belongings within the rented residence, many policies offer an extension for items stored off-premises, such as in a storage unit. This extension typically covers:

• Theft: Protection against theft of items stored in the storage unit.
• Damage: Coverage for damage caused by covered perils, such as fire, vandalism, or certain natural disasters.

Limitations and Special Considerations

Renters should be aware of certain limitations and considerations related to coverage for storage units:

• Coverage Limits: Policies may limit the coverage provided for items stored off-premises. Renters should review and adjust these limits as needed.
• Specialized Items: High-value or specialized items like jewelry or collectibles may have sub-limits. Additional coverage, known as a rider or endorsement, may be necessary for complete protection.

Creating a Home Inventory

Maintaining a detailed home inventory is crucial for renters insurance, especially regarding items stored off-premises. A comprehensive list includes:

• Photographs or Videos: Visual documentation of belongings for more straightforward claims processing.
• Descriptions and Values: Detailed descriptions of items and their estimated values.

Communication with Insurance Providers

Renters should communicate openly with their insurance providers:

• Coverage Clarification: Seek clarification on the specific coverage extension for off-premises belongings.
• Policy Adjustments: Adjust coverage limits or add endorsements as needed, especially if storing high-value items.

Securum LLC Can Help You

At Securum LLC, we can help answer questions concerning renters insurance. We serve the Lynnwood, WA area. Contact us today. 

Whether you own a motorhome, fifth wheel, or travel trailer, our agents at Securum LLC serving the Lynnwood, WA area have the insurance policy for you.

Recreational Vehicle insurance, also known simply as RV insurance, for specialty vehicles is essential to have in place to be able to protect your investment while also ensuring your peace of mind while out on the road. Our agents will tailor your specialty insurance policy based on your unique needs when it comes to your RV and your situation.

RV Insurance for Specialty Vehicles

Motorhomes

If you own a motorhome, it is essentially your home on wheels and requires a specific type of insurance coverage. RV insurance for motorhomes will normally include liability coverage, which protects you in case you’re at fault in an accident. It will also cover any damage to your motorhome, and personal belongings inside and can include coverage for attached accessories like awnings and satellite dishes, if your motorhome is affected by a fire, vandalism, or even a natural disaster. It will also help you out if your motorhome is stolen. Collision insurance will come in handy if you collide with another vehicle or an object.

Fifth Wheels

Fifth wheels, which are towed by a pickup truck, SUV, or some other type of vehicle, have their own set of insurance considerations. In addition to liability and the same physical damage coverage as motorhomes, specialized policies can provide coverage for detached parts and accessories. This can include slide-out rooms and even coverage for the pickup truck or other vehicle you are using to tow your fifth wheel.

Travel Trailers

Travel trailers, which come in various sizes and types, can also be insured to protect against theft, accidents, and damage. Insurance for travel trailers covers the trailer itself and can include coverage for personal property and equipment stored inside. It’s crucial to choose coverage that matches the value of your trailer as well as your contents inside.

Other Options

RV insurance may also offer additional options, such as roadside assistance, vacation liability coverage, and coverage for full-time RV living. It is imperative that you work closely with one of our insurance agents who understands the unique needs of RV owners so a customized policy can be created for you that meets your needs.

Reach Out To Us

To get your RV insurance policy started, contact one of our agents at Securum LLC serving the Lynnwood, WA area today!

Owning a boat comes with its fair share of responsibilities, and one of the most crucial aspects of responsible boating is ensuring you have proper insurance coverage. Boat insurance is your financial lifeline when it comes to protecting your prized vessel, passengers, and your own peace of mind. Understanding the ins and outs of boat insurance is crucial to ensure your investment is well-protected from unforeseen circumstances. Here at Securum LLC, we will guide you through the waters of purchasing boat insurance in Lynnwood, WA. From the basics of what boat insurance covers to essential factors you need to consider before buying a policy, we’ve got you covered. 

Why Boat Insurance is Important 

Being a boat owner in this area comes with a share of considerations, particularly when it comes to boat insurance. The importance of having boat insurance in Lynnwood cannot be emphasized enough. From abrupt storms to fogginess, the area’s unpredictable weather conditions can expose you to the risk of accidents or damage to your boat. Additionally, the peak season’s high boating traffic results in an increased likelihood of collisions. Without proper coverage, you may find yourself faced with substantial out-of-pocket expenses for repairs, replacements, or even liability claims. Investing in boat insurance is an essential part of responsible boat ownership.

Factors to Consider When Buying Boat Insurance 

When buying boat insurance in Lynnwood WA, there are a number of factors you should consider:

• Your boat ownership experience.
• Boating location.
• Age, size, and type of boat.
• Additional modifications to your boat.

How to Choose the Right Boat Insurance Provider

Compare Quotes: Gather quotes from multiple providers to see a range of prices and coverages.

Consider Reputation: Take a look at online reviews and ratings and the experiences of other customers.

Customer Service: Your potential insurer should be helpful and responsive when you need them the most, especially during claim filings.

Mistakes to Avoid When Buying Boat Insurance

As a boat owner, there are common mistakes that can lead to insufficient coverage or unnecessary costs. Below are the mistakes to avoid when buying boat insurance: 

Not getting enough coverage: This could leave you vulnerable to financial loss if your boat is damaged or destroyed.

Overlooking liability coverage: Liability insurance is critical since it covers any damages or injuries your boat may cause to others.

Failing to understand the terms of the policy: Make sure to read the fine print and understand what’s covered and what’s not.

Consult With Us

With so many factors to consider, you can easily feel overwhelmed when it comes time to purchase a boat insurance policy. However, with the proper research, planning, and provider, you can obtain an insurance policy that meets both your needs and budget. It’s crucial for you to understand how buying boat insurance works and what to look out for. Being well-informed could help you pick the most suitable boat insurance provider and save money in the long term. Our professional staff at Securum LLC is here to answer any questions or concerns about boat insurance in Lynnwood, WA so you can make the best possible decision. To learn more about boat insurance at Securum LLC, contact us today.

Securum, LLC serves the Lynnwood, WA community by offering residents multiple types of insurance coverage. We strive to help our clients find the policies they need to avoid major risks. We will help you assess your options and find the coverage that best suits your lifestyle.

The Benefits Of Workers Compensation

A major part of the success of Lynnwood, WA’s economy is thriving businesses in the community. Commercial insurance is a valuable asset. The policy helps protect your business and ensure that things continue to run smoothly. You are covered if your building and inventory suffer severe damages. You are also covered if you are involved in a potential liability dispute. One of the most important parts of commercial insurance policies is workers’ compensation. Workers’ compensation protects your business if one of your employees is injured in the workplace. However, there are several other benefits that workers’ compensation provides as well.

Helps Companies Attract New Talent

Adding worker’s compensation to your policy shows that you respect and value the contributions of your employees. This makes working for your business attractive as you seek to recruit high-level talent. It may give you an edge over the competition.

Gives Your Employees A Chance To Grow

Workers’ compensation covers your employees if an injury forces them to learn a new business skill. This allows them to still be an asset to your business and helps it grow.

Improve Your Retention Rate

The policy covers your employees as they rehab from their injuries in hopes of getting back to their original condition. By taking care of your employees, you help establish relationships with them. This can help you retain your best employees.

Securum, LLC Can Help You Protect Your Business

Contact our office today to learn more information about commercial insurance.

You worked hard to get your dream home, and you are smart enough to know to get a home insurance policy to cover what you worked hard for. However, it is important to know that there are some common myths about home insurance. Learning these myths is critical, so you can contact a reliable insurance agent to ensure your home and all you worked so hard for are protected. And thus, the following are common myths about home insurance: 

1. Home insurance covers flood damage.

Home insurance usually does not cover flood damage unless caused by internal damage to the home, like broken pipes. Even then, there may be some discrepancies. However, adding flood insurance to your policy in such cases may be needed. 

2. Home insurance only covers your belongings and property. 

Most home insurance policies protect more than your personal items and property. From third-party liability coverage to additional living expenses, most policies cover damages and injuries caused on your property to another property or person, accommodation and food are covered if you must leave your home due to an insured event, and more. 

3. Home insurance covers all your possessions, including valuables. 

However, standard home insurance policies usually protect most of your possessions, but more coverage is usually required for high-end items, like collectibles, jewelry, bicycles, and sports memorabilia. 

4. While on vacation, your home is always protected. 

Some incidents may not be covered. For instance, your policy more than likely may not cover damage to your home that occurred due to you not draining your pipes during the winter while you are on vacation, 

Conclusion

These are just a handful of myths about home insurance. So, for more information about home insurance myths, contact Securum, LLC in Lynnwood, WA today. Securum, LLC has highly trained, licensed, and experienced agents committed to helping clients in Lynnwood, WA, and surrounding areas. Contact our team today!