If you are a renter, then you need to read this article. Typically, the owner of the building is responsible for any loss to the building. The building owner or landlord is not responsible for your personal belongings. PlatinumOne Insurance Agency can also provide you with the option of quoting your renters and auto.

Kansas Renters insurance is a homeowner’s policy for non-homeowners. It covers loss of your personal property, such as clothes, furniture, computers etc. It covers losses due to theft, fire, wind and many other events that might cause damage to your personal property. A renter’s policy can also pick up coverage for your temporary living expenses while repairs are made if your rented home is damaged. If you think about it, the cost to replace your clothing, furniture, stereo, pots and pans, linens, sporting goods and computer could be a lot of money.

You can also design the renter’s policy to provide liability coverage, should you cause injury to a third party. In some cases landlords require such coverage. PlatinumOne Insurance Agency has access to many different insurers who offer this coverage. The quoting process takes very little time.

A renter’s policy can go a long way toward protecting you financially if you suffer misfortune. Best of all, you don’t have to own your home to qualify for protection. Kansas Renters insurance is very affordable, and can be designed to meet your individual needs.

Ah, travel is bliss; or we’d like to think so!   We want our vacations to be perfect, and ticket mishaps, delays, and schedule changes are all problems none of us like to have happen. We want you to have a great vacation and return home safe. Whether you are planning a trip across the state, or across the world, we have some tips to keep you safe:

• Create an itinerary and give it to a family member or close friend.
• Put all emergency numbers in everyone’s cell phone.
• Don’t carry a lot of cash.
• Advise your credit card companies of your travel. They will see purchases outside your normal area and may place a hold on the cards.
• To avoid problems when passing through security, keep medicines in their original, labeled containers.
• Put your name, address, and telephone numbers outside, and inside, of each piece of luggage.
• You don’t need all your credit cards and ID; leave those you will not be using at home.
• Never wear anything that projects affluence; no gold chains, expensive watches, rings, luggage, or other paraphernalia.  It is best to leave your expensive jewelry at home.
• Do not wear name tags in public.
• At the hotel discuss basic emergency procedures with your children, such as what to do in case of a fire.
• Park only in well-lit and well-traveled areas.
• Let your neighbors know your plans.
• If your plans include travel out of the country, check your health insurance, as there may be some limitations. Call the PlatinumOne Insurance for a review.
• Purchase timers for lights in your home and place them in two or three rooms.

Enjoy your vacation and be safe!

For many people, insurance can be difficult to understand.  Most people know that insurance is needed, but often they do not fully understand what they are buying or if they are properly covered.  That is why it is important to have an insurance agent on your side.  A good agent will help you determine what your insurance needs are, educate you about your options, and help you understand the specifics of the insurance you are buying.

Here are five things that you need to know as you consider your insurance options.

1. You cannot add coverage for a claim that has already occurred.  For example, if there is flooding in your area, you cannot buy flood insurance during an event.

• Coverage gaps can be costly. Having a gap or lapse in coverage can be costly.  Always pay your premiums on time, or ask for a grace period from your insurer.  You will end up paying more if you have lapses in your policy.

• Insurance is not intended to cover everything. Insurance is designed to provide financial recovery after an accident or unforeseen loss. Every policy has exclusions which are important to understand. Remember, insurance is not intended to cover regular maintenance.

• An agent can be a valuable resource. A licensed agent can help you find the best possible combination of coverage, price, and service that fits your individual needs.  A good agent will be willing to answer any questions you may have and be there for you when a claim occurs.

• Do not skimp on liability insurance.  The cost of litigation these days underscores the need for everyone to have an adequate amount of liability insurance.  The greater your assets are, the greater your need is to have your assets covered.  To protect yourself and your family financially, buy enough liability insurance on your auto and home insurance policies to cover above your net worth.  We can help you determine how much coverage your individual needs require.

Do you need a homeowner’s insurance quote?  Talk to us today about keeping your home and family protected. 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.

The latest news from the Small Business Administration is that only 60% of new businesses survive at least 2 years. Of that 60%, only 44% survive another two years. It is a fact that more small businesses fail then succeed. The two main reasons for failure are lack of planning and funding. While we can’t help with the funding part, we can offer some ideas about new business planning.

We found at least five things entrepreneurs should consider as part of their development process. We understand there are more, but this is a good start.

1. Understand the risks and legal issues – It is important to any new start up to understand all the legal and regulatory statutes and laws surrounding their business. Hire a good attorney to help you; it will be worth the expense. Hire a professional insurance agent to help you understand what your risks are, how to manage the risks, and how to protect yourself from the risks.

• Start with a good name – Your name needs to tell the story of what your firm does. For example, if you are starting a bakery, the name “Smith Brothers” fails to tell the public what you do. Also, depending on your market, it is probably not a good idea to use a foreign language as part of your name. Keep your name simple but innovative.

• Develop a Web strategy- It doesn’t matter what business you are in, you must develop a web presence. This would include a web page, social media (Facebook & LinkedIn) and a blog. For some industries, Twitter and Pinterest are important as well.

• Seek out mentors and advisors- Whether your mentor provides pointers on business strategy, helps you bolster your networking efforts, or acts as a confidant, it is good to have someone on your team. Hire a competent attorney, insurance agent, accountant and payroll HR/firm

Get The Right Commercial Insurance Coverage

There are insurance companies which have policies that combine protection for all major property and liability risks into one package. You can also opt for separate coverage. Such a policy is called a Business Owners Policy (BOP). Larger companies tend to purchase a commercial package policy.

Good luck and call us with any questions so we can help you achieve your goals! 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.