Posted by & filed under Homeowner’s Insurance, Personal Insurance.

A Personal Insurance Update

Spring has arrived, and many people are gearing up for yard work.  Your yard is an essential part of the appeal of your home, and requires some care and expense to maintain it.  Many people install landscape lighting to enhance their yard’s look and safety.  You may be concerned about how your homeowner’s insurance will respond to damage to your landscaping, including trees, shrubs, lighting, fencing, and walkways.

Most standard homeowner’s insurance policies provide some limited coverage for landscaping under certain conditions.  This information is intended to be general in nature, and if you want specific information regarding your individual homeowner’s insurance, please call our office.

A “standard” homeowner’s insurance policy generally provides some coverage for landscaping if fire, explosion, lightning, vandalism, theft, or a vehicle (someone else’s) causes the damage.

If weather causes damage to your landscaping, it may not be covered.  Damage caused by disease or insects is also excluded under a standard homeowner’s insurance policy.

If your fence is damaged by high winds, that could be covered as it is considered property not landscaping.  If a tree falls on your home, the damage to your home may be covered, as well as the removal of the tree.

Each policy usually has sub-limits for landscaping.  You may also consider purchasing additional insurance to increase your landscaping coverage limits.  With some policies, landscaping coverage may be limited to a percentage of the total protection provided for the dwelling structure.

It is important to note that not all homeowner’s policies are created equal, and what one company offers may not be the same as another company. Also keep in mind, if you bought your policy online, who really knows what coverage you have?

With over 40 years of experience in the industry, Brad Runnebaum and Jeff Hartman established PlatinumOne Insurance Agency in 2008. We have established relationships with some of the top carriers in the industry including Travelers, Allied, Kemper, Encompass, Progressive and many others.

 

 

 

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Posted by & filed under Auto Insurance, Benefits of Being Independent, Commercial Insurance, Homeowner’s Insurance.

 

PlatinumOne Insurance is an independent agency. This means we don’t work for any insurance company. We have access to many markets, giving us the ability to shop your account. We search the market for the best option for you. There are a number of benefits to working with PlatinumOne Insurance.

  • We will work with you to make sure your claim is processed to your satisfaction
  • We provide a number of options
  • PlatinumOne Insurance is your one-stop shop; we offer a complete line of insurance
  • Our staff is qualified and trained to explain coverage in English
  • We can review coverage and make necessary changes based on your needs

Do you want unbiased advice? work with us. As an independent insurance agent, we are very knowledgeable about all the companies that exist in the marketplace. We know which companies have the best track record when it comes to pleasing their policyholders. We can narrow your options down and help you choose between the best insurance companies in the market.

With over 40 years of experience in the industry, Brad Runnebaum and Jeff Hartman established PlatinumOne Insurance Agency in 2008. We have established relationships with some of the top carriers in the industry including Travelers, Allied, Kemper, Encompass, Progressive and many others.

We are a full-service insurance agency representing individuals, families and businesses in the Kansas City area. We are licensed professionals who are not limited to placing your insurance with just one carrier. We have the flexibility to choose the insurance company that best serves your individual needs. Having choices is our advantage and it benefits our customers.

Our business success depends on how effectively we serve our customers. As a designated Trusted Choice agency, we are dedicated to providing the best service in the industry. Experience the difference by giving us a call today. Our friendly and knowledgeable staff are here to assist you in any way possible.

See which companies we represent.

 

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Posted by & filed under Homeowner’s Insurance, News and Announcements, Personal Insurance, Safety.

Many homeowners are starting to clean up after our recent winter storms. There is an aftermath including tree removal, roof repair and general yard clean up.  Remember your homeowner’s insurance may provide some coverage so it pays to call our office for a review. If you wait to ling to report a claim it may be denied.

Many homeowners are starting to clean up after our recent winter storms. There is aftermath including tree removal, roof repair, and general yard clean up.  Remember your homeowner’s insurance may provide some coverage, so it pays to call our office for a review. If you wait to ling to report a claim, it could be denied.

Home Clean up tips

  • Check for mold. If you had water damage, there might be a mold issue. Check attics and basements for mold.
  • See The CDC, Mold After a DisasterCDC Flood Web site, and Homeowner’s and Renter’s Guide to Mold Cleanup After Disasters
  • Replace drywall and insulation that has been contaminated with flood waters
  • Check your gutter and roof for damage.
  • Clean up damage trees. This may mean trimming branches that could create a liability issue.
  • Fix any window damage including broken glass.
  • Fit any damage to siding.
  • It may be necessary to hire a professional to help you with major repairs.
  • Check all your drainage systems for clogs

It is important to note that not all homeowner’s policies are created equal, and what one company offers may not be the same as another company. Also keep in mind, if you bought your policy online, who really knows what coverage you have?

With over 40 years of experience in the industry, Brad Runnebaum and Jeff Hartman established PlatinumOne Insurance Agency in 2008. We have established relationships with some of the top carriers in the industry including Travelers, Allied, Kemper, Encompass, Progressive and many others.

 

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Posted by & filed under Uncategorized.

not that much different from those faced by fortune 500 companies; fortune 500 companies’ risks are just larger and possibly more complex. Making sure that you have the right kind of business insurance for protecting your operations is our number one goal. Recently, PC360.com ran an article describing the top risks for large corporations. We thought we would relate these risks to your local business, and suggest some insurance that your business should consider to cover these risks. • Business Interruption Insurance – This can include lost net income, continuing expenses, and even relocation expenses.

This coverage is not always automatic and needs to be added with specific limits

• Directors and Officers Liability – Directors and officer’s liability insurance helps protect your business, owners, executives, and managers if individuals, competitors, third parties or government regulators make claims.

• Regulatory Compliance Issues – New regulations and contractual risks are increasing for all organizations. Issues include; contracted employee, healthcare, workers’ compensation laws, environmental issues, cyber reporting requirements, and more.

• Employee Safety – Maintaining a safe working environment should always be a top priority for your business

• Cyber Liability – Did you know that the average business has a greater chance of having a cyber breach than it does of having a fire? It is true, and your business insurance policy most likely will not cover cyber liability losses. “This new world of connected devices promises insights on which companies can base strategic decisions. But the ability to obtain more information brings the responsibility to use that data appropriately, maintain customers’ privacy, and practice effective cybersecurity.” PC360.com.

We are locally owned and operated out of Overland Park, Kansas and are strongly represented in all areas of the Kansas City metropolitan area including not only Kansas City, but also Olathe, Leawood, Lenexa & Shawnee. We primarily write business in Johnson and Wyandotte Counties in Kansas but are licensed in the entire State. We primarily write business in Jackson, Cass and Platt County in Missouri but again are licensed in the entire State to write business.

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Posted by & filed under Benefits of Being Independent, Commercial Insurance.

What Is Included In A Commercial Auto Liability Policy?

Do you operate a business that requires you to have a vehicle to deliver your goods and services to your clients?  Do you have a fleet of delivery trucks that are on the road 24/7? Small firms who own or operate vehicles have the same risks as large firms.  You are at risk of losses arising out of accidents which can damage your vehicles and cause injury to third parties and employees.

Commercial auto insurance can provide your firm with security and protection from devastating liability claims arising from an accident involving your vehicle.  commercial auto insurance is usually offered on vehicles owned by a business and can include:

  • Bodily Injury Liability – Coverage for damages that involve bodily injury to third parties for which you become legally liable under the law.
  • Property Damage Liability – Coverage for damage to the property of others.
  • Medical Payments – Coverage for reasonable and necessary medical expenses for those who are accidentally injured while in your automobile or while getting in or out of your automobile.
  • Personal Injury Protection – Coverage for medical, hospital, rehabilitation, loss of wages or loss of services costs resulting from injury to you or any guest injured while in the vehicle.
  • Comprehensive – Protection for the loss of, or damage to, your vehicle and its equipment from all causes except collision, subject to the terms and conditions on the policy.
  • Collision – Protection for the collision damage to your automobile and its equipment, subject to the terms and conditions of the policy.
  • Uninsured Motorist – Coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance and is legally liable.
  • Underinsured Motorist – Coverage will enable you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.
  • Hired Auto Liability Coverage – Covers liability for automobiles hired under contract on behalf of, or loaned to, the named insured.

Whether your company needs to purchase Commercial Auto Insurance on one vehicle or a fleet, there are solutions for you. We understand why. We are locally owned and operated out of Overland Park, Kansas and are strongly represented in all areas of the Kansas City metropolitan area including not only Kansas City, but also Olathe, Leawood, Lenexa & Shawnee.  We primarily write business in Johnson and Wyandotte Counties in Kansas but are licensed in the entire State. We primarily write business in Jackson, Cass and Platt County in Missouri but again are licensed in the entire State to write business.

 

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Posted by & filed under Commercial Insurance, Cyber Liability, News and Announcements, Safety, Workers Compensation.

A Business Insurance Update

Businesses Have many different risks to manage including; cyber risk, employment issues, fire and even insider fraud.  Fraud experts have found that the average fraud loss averages $50,000, (The Association of Certified Fraud Examiners).   Your commercial insurance program should include employee dishonesty or fidelity, including losses due to employee dishonesty, credit card forgery, computer fraud and theft, and disappearance and destruction of property. Fidelity policies will cover a business for losses caused by an employee’s dishonest or fraudulent acts. These can provide businesses with the best possibility of recovery.

There Are Ways To Help Reduce Your Risk In This Area

  1. Complete background checks on all new employees
  2. Create internal policies and procedures that require checks and balances
  3. Have a third person approve all purchases or checks over a certain amount
  4. Have an outside accounting firm review your records annually
  5. Require all employees to take their scheduled vacations
  6. Have separation of services between check writing, approval and deposits

Employee fraud is a greater risk than most businesses think. Have us complete a free review of your business insurance program to make sure you have the best possible combination of coverage price and service.

We are locally owned and operated out of Overland Park, Kansas and are strongly represented in all areas of the Kansas City metropolitan area including not only Kansas City, but also Olathe, Leawood, Lenexa & Shawnee.  We primarily write business in Johnson and Wyandotte Counties in Kansas but are licensed in the entire State. We primarily write business in Jackson, Cass and Platt County in Missouri but again are licensed in the entire State to write business.

 

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Posted by & filed under Homeowner’s Insurance, Personal Insurance.

Homeowner’s Insurance Update

How many of you have actually read your homeowner’s insurance policy? We guess not too many. We do recommend that you read your policy to help you understand what coverage you have. Most homeowners are familiar with the basic coverage found their homeowner’s insurance policy; including coverage for the home itself, personal property and liability associated with owning a home.

Are There Other Coverages?

There is often other coverage found in your homeowner’s insurance policy that you may not know you have. Remember, each policy is different, so these coverage examples are general in nature.  This “hidden” coverage may have specific limits and terms of which you need to be aware, but here are some examples of coverage found in most homeowner’s insurance policies.

  • Liability coverage away from your home. You have coverage if you cause injury to a third party away from your premises.
  • Damage to your neighbor’s property. If you are at a party and cause damage to your neighbor’s property, chances are it would be covered.
  • Legal expenses. Should you be sued for an accident that occurred in your home, chances are legal costs would be covered under your homeowner’s insurance policy.
  • Additional living expenses. Your policy can pay the additional costs of living away from home if you cannot live there due to damage from an insured loss. It covers hotel bills, restaurant meals and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.
  • Many homeowners’ policies provide a small amount of coverage for stolen money.
  • Property of your college student. If your dependent child is a full-time college student living on campus, their property is covered by your homeowner’s insurance policy

It is important to note that not all homeowner’s policies are created equal, and what one company offers may not be the same as another company. Also keep in mind, if you bought your policy online, who really knows what coverage you have?

With over 40 years of experience in the industry, Brad Runnebaum and Jeff Hartman established PlatinumOne Insurance Agency in 2008. We have established relationships with some of the top carriers in the industry including Travelers, Allied, Kemper, Encompass, Progressive and many others.

 

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Posted by & filed under Commercial Insurance, Safety.

A Business Insurance Update

Every business has the risk of having a fire. But the good news is that the likelihood of having a fire at your business can be reduced through action you can take.

Having the right kind of business insurance is very important to every business, because you rely on business insurance to protect your assets in the event of a fire, theft or other loss. In 2015, there were over 344,000 commercial fires which caused 3,275 deaths and over 11,600,000,000 of damage. (FEMA Report)

Here are some actions you can take that may reduce the severity of a loss if and when a loss does occur. This is a good checklist for you to review annually.

  • Test smoke detectors monthly
  • Check fire doors. They are not permitted to be propped open by wedges or any other temporary device.
  • If you have an automatic sprinkler system in place, this will provide primary fire protection for your business.
  • Best practices for fire safety is for smoke detectors and fire extinguishers on every floor. Your best option are multipurpose extinguishers.
  • Make sure nonessential electrical equipment is turned off at the end of the workday.
  • Are all exits clearly defined and visible?
  • Keep exits unlocked during business hours.
  • Be sure the area directly around the sprinkler head is free of obstructions. Move any items that are stored within about a foot and a half from the sprinklers.
  • Require spills of flammable or combustible liquids and hazardous materials to be cleaned up promptly.
  • All exit doors should be able to be opened from the direction of exit travel without the use of a key or any special knowledge or effort.
  • Are your employees familiar with the firefighting equipment of your business?
  • Have a safe assembly point for employees outside the building.

We are locally owned and operated out of Overland Park, Kansas and are strongly represented in all areas of the Kansas City metropolitan area including not only Kansas City, but also Olathe, Leawood, Lenexa & Shawnee.  We primarily write business in Johnson and Wyandotte Counties in Kansas but are licensed in the entire State. We primarily write business in Jackson, Cass and Platt County in Missouri but again are licensed in the entire State to write business.

 

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Posted by & filed under Homeowner’s Insurance, Personal Insurance, Safety.

A Personal Insurance Update

With temperatures falling and meteorologists predicting a colder than normal winter, the easiest and most cost efficient way to keep your home’s heat inside, while keeping your heating bill respectable, is to add fresh insulation to your attic, ceilings, basement, and walls.

Time for a Home Insurance Check-Up

Let us provide you with an insurance check-up to make sure you have the best possible coverage.  We have access to a number of different markets and can save you even more if you combine your home and auto together.

Prepare for Winter

The following is a checklist for what homeowners ought to be doing when prepping for the cold season. Stick to it, and you’re sure to have a warmer and more relaxed winter experience.

  • Reverse ceiling fan rotation.
  • Inspect your furnace and replace filters.
  • Insulate water pipes.
  • Turn off all outside water and sprinklers.
  • Clean wood stoves and chimneys.
  • Install window insulators.
  • Store summer tools and prep winter ones.
  • Get a programmable thermostat.
  • Make sure you caulk, repair, and replace any siding that is failing.
  • Stock up on emergency supplies.
  • It is always wise to provide an outside air supply for combustion appliances like gas stoves and furnaces. You may need a professional to check this for you.
  • Make sure your recreation vehicles get the same care as your home.
  • Seal cracks in windows, doors, foundations, and ducts.
  • Replace batteries in smoke detectors.
  • Clean gutters.
  • Add insulation where needed.
  • Check for leaks in gutters, windows, and roofs.
  • Keep shrubbery trimmed and away from your home.

With over 40 years of experience in the industry, Brad Runnebaum and Jeff Hartman established PlatinumOne Insurance Agency in 2008. We have established relationships with some of the top carriers in the industry including Travelers, Allied, Kemper, Encompass, Progressive and many others.

 

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Posted by & filed under Homeowner’s Insurance, News and Announcements, Personal Insurance.

Homeowner’s Insurance

You buy home insurance to protect your most important asset.  There are many items to consider and we can help you through the process of finding the right coverage for you and your family. Remember not all homeowner’s insurance policies are considered equal.

There are many factors that go into determining your homeowner’s insurance premiums.  We thought it might be fun to address our “top ten list” of things every homeowner should know before purchasing insurance.  As your agent we can help you identify the best possible combination of coverage, price and service.

  1. You are a statistic. To an insurer, you are a set of risks. An insurer bases its premium (or its decision to insure you at all) on your “risk factors” including your occupation, who you are, what you own, and where you live. To us, you are a person and we value our relationship with you.
  2. Know your home’s value. Before you buy a policy, it is important to know your home’s replacement cost.
  3. Insurers differ. As with anything else you buy, what seems to be the same product can be priced differently by different companies. You can save money by comparison shopping.
  4. Don’t just look at price. A low price is no bargain if you don’t have the right coverage.
  5. Go beyond the basics. A basic homeowner’s policy may not promise to entirely replace your home.
  6. Look for discounts. Insurers provide discounts to reward behavior that reduces risk.
  7. Be sure that you have the proper documentation if you have a claim. Your idea of fair compensation may not match that of your insurer. Your insurer’s job is to restore you financially. Your job is to prove your losses so you get what you need.
  8. Know your policy. Keep your policy updated, and reread it before you file a claim so there are no surprises.
  9. Check you deductibles. It may benefit you to increase your deductible, especially if you have a good claims experience.
  10. Your policy excludes Quake and Flood. Check with us and we will provide you with a quote.

With over 40 years of experience in the industry, Brad Runnebaum and Jeff Hartman established PlatinumOne Insurance Agency in 2008. We have established relationships with some of the top carriers in the industry including Travelers, Allied, Kemper, Encompass, Progressive and many others.

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