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

Industry Worker

According to insurance experts, here are the top five business risks. The Allianz Risk Barometer surveyed more than 500 managers and corporate insurance experts in 47 countries, to identify the primary challenges facing businesses this year.1 

While these are responses from large corporations, we take away many applications for medium and small businesses. Here are some of the risk issues for 2020.

  1. Natural Disasters – These issues are always a concern for small and medium business. We can offer flood, earthquake and wind insurance as your needs arise.
  2. Cyber Liability– Cyber liability and data theft is one of the hottest topics for businesses, risk managers and insurance companies. 2019 had some of the biggest data thefts that we have seen. But even more interesting, is that small businesses are exposed more than large businesses. In fact, 25% of data breaches affect businesses with less than 50 employees. A small business has a greater chance of having a cyber breach than it does of having a fire.
  3. Government mandates and regulations – There continues to be increased oversight from government in healthcare and financial reporting that creates new risk and liability for businesses.
  4. Political and Civil Issues – As seen in 2020, political and civil issues have a direct impact on many small businesses. Having the right kind of business insurance is important to protect your business in the event of civil riots.
  5. Business Interruption – If your business has a loss and you are unable to operate for a period of time, you will need financial resources in order to get back in operation. You may even need to continue payroll for a period of time. Business interruption insurance can provide these resources.

We are committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates. Whether you are shopping for auto insurance, home insurance, life or business insurance, we can help you obtain the best coverage available with the lowest rate possible. 

All of us value the long term relationship with our clients, and are proud to give families, individuals and businesses the personal attention required when it matters most. When claims arise, we realize that it can be very stressful and will do everything possible to assure timely and complete recovery.

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.

We are licensed in Kansas, Missouri and Nebraska.

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

 

The rain, snow and cold weather has arrived. It time to shop for new winter clothes, time to consider how to protect your home from the winter conditions that are fast approaching. PlatinumOne Insurance Agency offers these ideas for your review. 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 Home Insurance Check Up

Let PlatinumOne Insurance Agency provide you with an insurance check-up to make sure you have the best possible coverage. We have many ways to save you money on your homeowners insurance. We can also determine if you have the right homeonwers insurance for your individual needs.

Prepare For Winter

Have an emergency kit ready; an emergency kit is simply a collection of basic items your household may need in the event of an emergency.  Include the following: water, flash lights and batteries, first aid kit, whistles to signal for help, basic tools, manual can opener, small supply of food, radio, candles, lighter, blankets and rope.

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 (scraping and digging out your car notwithstanding).

  • Reverse ceiling fan rotation
  • Inspect your furnace and replace filters
  • Insulate water pipes
  • Turn off all outside water and sprinklers
  • Clean wood stoves and chimney’s
  • Install window insulators
  • Store summer tools and prep winter ones
  • Get a programmable thermostat
  • Make sure you caulk or repair and replace any siding that is failing
  • Stock up on emergency supplies
  • It’s 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
  • Cut shrubs away from your home

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Posted by & filed under Uncategorized.

risk

When you own a business, you have a lot to protect, and the right small business insurance coverage can be important to your continued success. Luckily, there are a variety of coverages to choose from when it comes to protecting your business.

Every industry has specific needs when it comes to insurance. Industry-specific risks make it impossible for insurance companies to lump together one insurance plan for every business. We understand that being unique is what makes your business successful across the board.

Business Insurance Mistakes

  1. Misclassifying independent contractors as employees – or vice versa on your workers’ compensation policy.
  2. Failure to update your insurance program. Coverage and risk change over time. It pays to keep up on the changing risk and insurance landscape. Trending risks like cyber, employment, pollution, professional liability, and directors and officer’s liability should be part of your business insurance package.
  3. Buying insurance that you don’t need. Don’t spend money on insurance coverage you don’t need. Your needs are not going to be in the same ballpark as big-box stores or billion-dollar companies. We know and understand your industry and are better able to provide you with the coverage you need.

We are committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates. Whether you are shopping for auto insurance, home insurance, life or business insurance, we can help you obtain the best coverage available with the lowest rate possible.

Let us help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering Business coverage.

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. We offer preferred coverage that qualifies for all mortgage companies and strive to be the premier Kansas City Independent Insurance Agency.

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Posted by & filed under Uncategorized.

There’s no better way to celebrate Halloween than by carving up jack-o’-lanterns with the family and friends. This season, save the gore for your favorite scary Halloween movies and take precautions with these simple tips.

This Halloween, keep these safety tips in mind when you’re carving your pumpkin masterpiece:

TRIA orthopedic surgeon Yvonne Grierson, MD shares these tips:

  1. Pick the right pumpkin – Select a pumpkin that has a smooth surface and is light in weight.
  2. Carve in a clean, dry, well-lit area  Be sure to wash and thoroughly dry all the tools you will use. Any moisture on your hands or table could cause slipping, which may lead to injuries.
  3. Always use adult supervision  Let the adults or older children do the carving. Kids can still get involved with the process by helping pick out the pattern, drawing the pattern and cleaning out the inside of the pumpkin.
  4. Use the right tools or pumpkin carving kit – Kits include a small serrated pumpkin saw that typically work better than a sharp knife. A sharp knife is not always better because it may become wedged in the thick pumpkin tissue, requiring force to remove it. Injuries from a sharp knife are more likely to cause a deep penetrating cut.
  5. Get help for an injury – If you cut your finger or hand, bleeding from minor cuts will often stop on its own by applying direct pressure. If continuous pressure does not slow or stop the bleeding after 15 minutes, an emergency room visit may be required.

We offer a multitude of personal insurance options for individuals and families. Our personal coverages include; homeowners, renters, automobiles, motorcycles, boats, recreational vehicles, snowmobiles, flood, life insurance, and much more.

We are committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates. Whether you are shopping for auto insurance, home insurance, life, or business insurance, we can help you obtain the best coverage available with the lowest rate possible. 

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.

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Harassment

Posted by & filed under Benefits of Being Independent, Commercial Insurance, Cyber Liability, News and Announcements.

A Business Insurance Update

Today more than ever, employees know their rights under the law. Over the years, the United States has created many federal laws and statutes to protect the rights of individuals including; Title VII of the Civil Rights Act of 1964, Title I and Title V of the Americans with Disability Act of 1990, The Age Discrimination in Employment Act of 1967, plus many other state laws. These laws require employers to act in accordance with very specific set of requirements and give employees the right to file lawsuits.

There are many reasons why an employee might make a claim against his or her employer. Typical allegations include wrongful termination, discrimination, harassment and even failure to promote. In an economic downturn, employers tend to have layoffs, and wrongful termination allegations can follow.

We also know that humans are prone to making comments that can be viewed as inappropriate by a coworker whether intentional or just a poor choice of words. Occasionally, a poorly phrased comment or two can lead to harassment allegations. Whatever the reason, Employment Liability claims are on the rise.

An Employment Practices Liability Insurance (EPLI) policy provides insurance against claims and lawsuits brought against an employer, its officers, directors, employees, and managers arising out of employee relationships. These policies generally cover charges in the following areas:

•    Discrimination – including age, sex, and gender

•    Sexual harassment

•    Invasion of privacy

•    Emotional distress or mental anguish

•    Wrongful termination or discipline

•    Negligent compensation, promotion or hiring decisions

•    Employee benefits mismanagement

•    Breach of contract for employment

An EPLI policy will defend the organization and pay the damages awarded under the terms, conditions, and limits of the policy. Most EPLI policies offer free legal assistance programs. This gives you the opportunity to contact an experienced legal firm to help assist you through an employment issue before it turns into a claim.  EPLI policies are written on a “claims made” form, which means it provides insurance coverage for claims that occurred and are made during the policy term or within an extended reporting period if selected. Some EPLI policies contain exclusions that limit coverage during events such as a major workforce reduction, acquisition or merger. Generally, criminal conduct is not covered by an EPLI policy.

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.

We are licensed in Kansas, Missouri and Nebraska.

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Posted by & filed under Auto Insurance, Commercial Insurance, Cyber Liability, Homeowner’s Insurance, Life Insurance, Personal Insurance.

stress

Every one of us has certain things that occasionally prevent us from getting a good night’s sleep.  These concerns might be a job, kids, an illness, or other problems in life.  Our goal is to make sure that protecting your family with the right insurance is one thing that does not keep you up at night.

Here is how we help you get a good night’s sleep:

  1. We never just sell you a policy.  We ask questions and educate you so that the coverage you select is the right fit for you.
  2. Insurance is a complex transaction, so we work hard to make sure you understand how insurance works before you make a decision.
  3. Our team is licensed, and we have years of experience which helps us better educate and guide you in your insurance needs.
  4. We are here to answer any questions you may have regarding your insurance decisions.

According to an Insurance Journal article, here are the top issues that keep people up at night:

  • Floods and other natural disasters
  • Identity theft
  • End of life issues
  • Eldercare

We can provide valuable information regarding each of these concerns so that you can make the right decision for you and your family.  Our team will never push you into a hasty decision.  That is because we will only offer you an insurance solution after we fully understand your needs.

Connect with us and let us show you how we do it—and help you get a good night’s sleep. We are always searching for ways to help our clients save money on their auto insurance. Saving money on auto insurance is a relatively quick way to lower the cost of operating your car, and can be accomplished with a quick phone call to PlatinumOne Insurance. There are many ways to lower your insurance costs without eliminating needed coverage. Here are a few ideas to consider:

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

wall

Can you believe all the new innovations that are available for your home? Many new technologies can help you in the kitchen, help keep your home cooler in summer, and some even reduce your homeowner’s insurance premiums. Here is a recent quote from an insurance company, “If somebody has some sort of temperature-monitoring system in their house, we give them a discount for that.”

Here are a few technologies that will help keep your home safe, and will also lower home insurance costs.

  • Security systems — It seems like everywhere you go, there’s a camera capturing images. If you own a smartphone or tablet, you probably have a camera that’s built into the device. You can not only secure your home, but actually see what is going on through videos.
  • Electronic locks — Nowadays you don’t even need a key to get into your home! These electronic locks can add additional security to your home.
  • Connected appliances — Appliances that you can turn off and on from your smart phone not only help with your lifestyle, but also keep your home safe.
  • Leak detection systems — Smart homes can be controlled from your phone, and when connected to your home’s water and electrical system, can provide you with real-time updates on how these systems are performing. If you are using more water than normal, you will be notified that there is likely a leak present.
  • Timed lighting — Having outside and inside lights come on during the evening while you are away deters burglars.
  • Smoke and fire detectors — Having good detection systems keeps your family safe and insurers provide discounts for these.
  • Home weather warning systems — There are weather warning programs that can detect high winds and identify severe weather earlier than ever before.

With over 30 years of experience in the industry, Brad Runnebaum and Jeff Hartman established PlatinumOne Insurance Agency in 2008. 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.

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

boat

We are living in a new world, and it requires a new way of thinking about summer activities.  Many large events have been cancelled, and vacation plans have changed, but you can still have a great time with your family and friends this summer.

Social Distancing Fun:

  • Camp in your own back yard
  • Travel to the beach if it is open
  • Take a hike
  • Take a picnic to a lake
  • Enjoy an outside movie night
  • Host a virtual game night
  • Go fishing
  • Update your backyard
  • Complete home improvement projects

Remember To:

  • Wear a mask if it required
  • Wash your hands
  • Maintain social distance.  As you go about your life and errands, do your best to keep a distance of 6 feet

Who knows how long we will have to practice social distancing during the pandemic, but at least with these suggestions, you can still have fun while maintaining your six-foot bubble.

We are always searching for ways to help our clients save money on their auto insurance. Saving money on auto insurance is a relatively quick way to lower the cost of operating your car, and can be accomplished with a quick phone call to PlatinumOne Insurance. There are many ways to lower your insurance costs without eliminating needed coverage. Here are a few ideas to consider:

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

office

Many companies are now allowing employees to work from home, and experts say it will most likely continue through 2020 and beyond.  Employers are seeing that they can reduce operating costs by having all or some of their employees work from home.  Whether you own a home business, work from home full time, or occasionally work at home, you can benefit from optimizing your workspace for increased productivity using these tips.

  1. Select a Dedicated Area.  Your office should be in a quiet area that allows you some privacy.  This is especially important if you share the house with a spouse, children, or roommates.
  2. Less May Be More.  Minimalism is hugely popular in home office setups.  Eliminate desk clutter and use a neutral color palette for the furniture and walls.  Keep décor simple but tasteful.
  3. Make Your Space Yours.  Create a desk and/or designated space that is much like your office at your business.  You can use plants and proper lighting to create a relaxed atmosphere.
  4. Add Privacy.  If you do not have a dedicated office room, consider adding a privacy divider to your home office setup.  You can get traditional dividers that sit on the floor.
  5. Furniture. Home office furniture should complement other rooms in your house instead of screaming “soulless cubicle.”
  6. Lighting. Natural lighting from the sun gives you energy and increases creativity. If possible, we recommend placing your desk as close as possible to natural light.  Desk lamps and stand-alone floor lamps make it easy to adjust the amount of light in specific parts of the room.
  7. Chair. Use as good, comfortable ergonomic chair.
  8. Keep Things Organized. The key to setting up a functional home office is to add plenty of storage space. Wall shelving and cabinets are a must-have for binders or books you need to keep handy.
  9. Your Kitchen Is for Eating, Not for Working!  Sitting at your kitchen counter may cause your brain to think of food more often because it is programmed to do such things when you are sitting on that bar stool.
  10. Modify as Needed.  Don’t be afraid to change things up if they are not working for you.

We are committed to providing our clients with the highest quality insurance plans available, combined with some of the lowest possible rates.  Whether you are shopping for auto insurance, home insurance, life, or business insurance, we can help you obtain the best coverage available with the lowest rate possible. 

We truly value the long term relationships with our clients, and are proud to give families, individuals, and businesses the personal attention required when it matters most.  When claims arise, we realize that it can be very stressful and we will do everything possible to assure timely and complete recovery.

We are always searching for ways to help our clients save money on their auto insurance. Saving money on auto insurance is a relatively quick way to lower the cost of operating your car, and can be accomplished with a quick phone call to PlatinumOne Insurance. There are many ways to lower your insurance costs without eliminating needed coverage. Here are a few ideas to consider:

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

Everyone here at PlatinumOne Insurance Agency endeavors to find ways to keep our clients homeowners insurance as low as possible. We understand how important having the right kind of homeowner’s insurance is.  We also understand that you want your claims covered and you want outstanding customer service. Unlike some faceless internet company, we will always work more than “7 minutes” to find you the best possible combination of price, coverage and service for your home insurance needs.  Here are a few things you can do right now to lower your homeowner’s premiums.

Ways to Lower Your Home Insurance Premiums

  • Consider increasing your deductibles.
  • Assess the value of the possessions in your home. Do you have too much coverage?
  • Pay your premiums in full.  Some carriers offer a discount for this.
  • Are you over the age of 65? There are senior discounts available.
  • Most insurers offer discounts for alarms, sprinklers and deadbolt locks.
  • Combine home and auto together. Many insurers offer discounts for consolidating policies.
  • Use an independent agent like us to shop your insurance on a regular basis. We will search the market and find the best options.
  • Many insurance companies reward homeowners with discounts ranging from long-term customer loyalty rewards to having claim-free histories with the company.
  • Upgrade basic house systems such as electrical, heating, plumbing and roofing.

We use many reputable companies including: Progressive, Allied, Travelers, the Hartford and more.

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.

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