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

Strategic Thinking and Planning for Marketing Success 3D Render

The world is changing, and we understand the issues your business faces every day. There is constant competition for your customers, there are challenges in attracting and retaining top employees, and your cost of goods keeps going up. Part of your planning should include an annual commercial insurance review. Your business changes, and so do your exposures. Here are some of the major kinds of coverage found in most commercial insurance programs.

Commercial Insurance for Businesses

Liability Insurance– Covers your business against claims of negligence that resulted in loss or injury to a customer or visitor to your business.

Worker’s Compensation– Protects your business when an employee becomes injured on the job. It is required by law.

Commercial Auto– Covers against loss for your business vehicles and any liability your business incurs as a result of an accident.

Property– Insures against loss for your buildings and equipment.

Employment Liability– Covers your business and managers from claims of harassment, discrimination and other civil rights as afforded under state and federal laws.

Cyber Liability– Protects your liability interests when data or sensitive client information is stolen or accidentally lost by your business.

Professional Liability-Protects your business when a third party accuses your business of being negligent or making a mistake in providing professional services.

An Independent Agent Who Understands Commercial Insurance

When you purchase business insurance through an independent agent you are working with a licensed professional who specializes in the products and services you need. We have access to many insurance companies and know which ones are designed just for your business. Independent agents are local business owners who employee your neighbors to serve your needs.

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Posted by & filed under Homeowner’s Insurance.

 

Many people are unsure what an Umbrella policy is or what it covers. PlatinumOne Insurance Agency is here to help. We will explain the basics of Umbrella Insurance and the benefits to you. When you are outside and there is a light rain or breeze you generally don’t need or want an umbrella. However, if it is pouring down rain with high winds, you take your umbrella. An Umbrella Insurance policy works much the same way.

There are generally two kinds of insurance terms used relating to this kind of coverage:

  • The first is typically called an excess liability policy. This policy does nothing to change the terms of your other insurance policies – it simply raises the limit of liability you have available for a claim. Think of this policy as dollars held in reserve if a claim exceeds the limits you currently have available. This is the most common coverage offered.
  • A second option is an umbrella policy. Most umbrella policies function as an excess liability policy. However, in addition to acting as a reserve, the umbrella provides additional coverage for types of losses that otherwise would not be paid under the primary coverage.

Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an Umbrella Insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella Insurance can provide limits above your personal auto and home policies.

Here is an example: John Doe falls asleep while driving and hits a van with a family inside. The accident results in $600,000 of medical bills, but John Doe’s auto policy has a $500,000 limit. Fortunately, John Doe also has a $500,000 umbrella policy, and the additional $100,000 would be covered under the Umbrella.

It is true that Umbrella Insurance may not be for everyone, but if you are building financial resources for your future, are a professional, own your home, boat or recreation vehicle, you should consider an Umbrella Insurance policy. PlatinumOne Insurance Agency  offers Umbrella Insurance with very competitive rates. Having the added protection of an Umbrella Insurance policy is coverage no one should go without.

As a leading Kansas City Independent Agency, we offer a broad selection of insurance policies, companies and financial services. We are licensed in Kansas, Missouri and Nebraska and are not limited to placing your insurance with just one carrier.

 

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

As we approach the holiday season, we thought it might be good to provide you with a few insurance tips on how to protect yourself and your family during this season. The holiday season usually sees an increase in homeowners and other personal types of accidents and claims. Here are a few examples.

Common Insurance Claims During The Holiday Season

  • Damage to home as a result of holiday party mishaps
  • Theft of personal property
  • Identity theft
  • Food poisoning and illness
  • Stolen gifts out of mall parking lot
  • House fires as a result of dry trees or candles
  • Auto accidents due to rain or bad weather
  • Drunk driving accidents
  • Guests trip and fall claims during a holiday party
  • Falling while decorating
  • Winter sports activities
  • Falling trees due to wind storms
  • Ice and snow damages
  • Travel mishaps

How Your Personal Insurance Can Protect You During The Holiday Season

Identity Theft Increases during November and December

With more online shopping identity thieves target online shoppers. Criminals access public Wi-Fi systems to hack into your computer and smartphone.

Today, some homeowner’s insurance policies will either include or offer as an add-on, some type if identity theft coverage but in most cases, the coverage is limited. A stand-alone identity theft policy that is more comprehensive will typically contain the following benefits:

  • Coverage for the named insured, spouse, and resident children
  • Counseling with a licensed private investigator
  • Data breach notifications
  • Reimbursement for identity restoration costs
  • Credit card activity alerts
  • Bank account activity alerts
  • Fictitious Identity Monitoring

Homeowners Insurance

A standard homeowner’s insurance policy can offer protection from many of the trips, spills, and holiday mishaps. If your home insurance is written properly it can offer insurance coverage for;

  • Trips and falls
  • Theft of personal property
  • Personal liability risks for third party claims
  • Theft of personal property from your vehicle
  • Fire and other property damage
  • Damage to your home as a result of a covered loss

Some homeowner’s insurance can offer a limited amount of identity theft protection. We do recommend you consider identity theft insurance, which can protect your online identity.

Renters or Condo Insurance

Renters insurance can also provide coverage during the holidays.

  • Trips and falls
  • Theft of personal property
  • Personal liability risks for third party claims
  • Theft of personal property from your vehicle
  • Fire and other property damage not insured by the owner

Auto Insurance

Auto insurance can provide coverage for you and your passengers while driving during the holiday season. There is a variety of different auto coverage options to suit different people, family situations, financial statuses and more. While state law requires certain coverages and minimum limits, most drivers should carry much higher limits to protect themselves and family should an accident take place. The primary coverages included the following:

Collision Coverage – Covers the costs of repairs or replacement of a vehicle in the event of an accident.

Comprehensive Coverage – Pays for the costs and damages associated with events such as engine fires, hail damage, hitting a deer and other damages not caused by collision.

Bodily Injury Coverage – Provides financial compensation for injuries or death due to an auto accident, within the policy’s coverage limits.

Property Damage – Reimburses for damage to property, such as another vehicle, a fence, a building, and other types of features.

Let us help you by providing a free, no obligation, auto insurance quote, including various coverage options to choose from. We’ll help you identify the right insurance policy, and the best insurance company, to financially protect your car, truck, and other passenger vehicles. Call or fill out our online insurance quote request today.

Remember to call our office today. We will work hard for you. 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 Homeowner’s Insurance, News and Announcements, Personal Insurance, Safety.

Personal Insurance and Safety Update

Halloween is over and that means we are in the middle of the holiday season.  During the next 45 days, we will all be busy shopping, eating out, and traveling.  Thieves know that the police are overloaded during the holiday season, and they take full advantage it.  Burglars know that there are many expensive items in homes and cars during the holidays.

Your home or renter’s insurance will provide coverage for theft or loss if you have the coverage. Now would be a good time to call us for a free personal insurance review. Whether you are holiday shopping at the mall, online, or a little of both, keeping yourself and your personal information safe is important.  Here are a few holiday shopping safety tips:

Holiday Shopping Safety

  • Always be aware of your surroundings.
  • Lock your shopping bags in your trunk.
  • Never allow children to make unaccompanied trips to the restroom.
  • Never leave car doors unlocked or windows open.
  • Always park in lighted areas. DO NOT park in remote areas.
  • Shop with a friend.
  • Teach your child to go to a store clerk and ask for help in case your child is separated from you.
  • Avoid wearing expensive jewelry.
  • Keep receipts in your wallet or purse.
  • Avoid carrying large amounts of cash.
  • As you return to your car, make sure to keep your car key in your hand.

We work to ensure that your personal insurance provides the protection you deserve and need.  We understand you may need different coverage like a personal umbrella, RV insurance, valuable articles coverage, earthquake, or flood coverage.

Over the years, we have found that homeowners who adhere to the following strategies have a better chance of obtaining the best possible combination of coverage, price, and service.

Our trusted insurance professionals are here to help you with every step of the insurance process and can design a personal or commercial insurance policy to fit your needs. One of the insurance professionals will work closely with you to ensure that you receive individualized attention you deserve.

Remember to call our office today. We will work hard for you. 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 Homeowner’s Insurance.

The Importance of Documenting Your Property

If you have a fire or burglary in your home you would expect the insurance company to repair and or replace your lost and damaged items. Would you be able to remember every item you have accumulated over the years if they were all gone? If your home is damaged, or totally lost due to a fire or other event, having a home inventory will help you recover all your personal property with the least amount of time and stress. Having a home inventory is the easiest and best way to manage insurance claims after a disaster or loss. This also expedites the claim process, making it easier to be paid.

Creating a personal home inventory helps in calculating how much your personal property is worth. Knowing this ensures you have an accurate value. If you have too little coverage, you would not have enough funds to replace lost property; and if you have too much coverage, you are paying higher premiums than you need to. Here are a few more reasons to develop a home inventory:

• It helps settle claims accurately and promptly

• It provides required documentation of ownership and value

• It helps with estate documentation

• It preserves your heritage

Documenting important valuables such as rings, watches, jewelry, guns, and cameras should be part of your plan. In most cases some high end valuables are subject to limitations unless they are scheduled. Scheduling these items insured you will have the correct value in the event of a loss.

Additional Tips:

The best way to start your home inventory list is to go room by room. Take on three rooms per day, and you will be done in no time. Send a copy of your personal home inventory to our office; we would be happy to keep the written records as back-up for you.

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Posted by & filed under Uncategorized.

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 Commercial Insurance, Cyber Liability, News and Announcements, Safety.

How to Reduce Your Company’s Cyber Risk

Cyber risk is a topic that keeps evolving. At this point, we believe that every business needs to have cyber liability insurance. The methods that the cyber criminal’s use is always changing and we are constantly researching the latest prevention trends.

Cyber Risks Are Growing

Russian hackers recently stole over 2 billion online names and passwords. Home Depot had millions of customer credit cards stolen. A local restaurant recently had 1200 customer credit card numbers stolen, and finally a medical clinic had a lap top stolen that contained 5,000 patient’s names and confidential information. Every company is at risk for cyber theft and loss.

Cyber Insurance

We can provide your firm with the right combination of pricing and coverage. Cyber risk    insurance is available at very reasonable premiums. Many of our companies offer coverage to help protect your business from loss.

Cyber Risk Prevention for Small Business

Here are some of the latest prevention trends from computer *experts:

  • Outsource credit card handling with a reputable vendor.
  • Use more complex passwords with a combination of letters, numbers and symbols.  Here is an example (MP#09xT28S%).
  • Don’t save passwords on your computer.
  • Question your internet security at every level, including email. It may be time to encrypt all emails.
  • Use the latest security software.
  • Do not allow laptops to leave the office without proper security.
  • Train your employees on cyber security.
  • Do not use an open network.

*Source PC360.com

If you have a standard business policy you may not have the right kind of coverage. Let us work with you to provide the right coverage. Cyber liability coverage (for data breaches) has evolved from just insurance for information technology companies to coverage that nearly every kind of business should have – if they don’t already.

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 Homeowner’s Insurance, News and Announcements, Safety.

Did you know that Halloween is the second highest grossing commercial holiday after Christmas?  Did you also know that children are more likely to be hit by a car and killed on Halloween than on any other day of the year?  Kids love to dress up, get together with friends, and go door-to-door hoping to find the full size candy bar, so keep them safe by doing a little pre-planning. Here are some pointers for ensuring your house is a safe place for trick-or-treaters on October 31.

Keep Kids Safe

  • Never go into a strangers home
  • Children under the age of 12 should not be alone at night without adult supervision
  • Don’t eat homemade candy unless you know the family
  • Wear reflective clothing
  • Have a flash light
  • Look at all wrapped candy, if it has been opened toss it out
  • Develop a route with your parents
  • Go in a group of kids
  • Set a curfew

Safety For Pets

Make sure your pet is in a safe and comfortable space or take them to a secure, relaxing location for the evening.

Home Safety

  • Clean up your yard
  • Make a clear well illuminated path to your door
  • Remember that a lot of Halloween decorations like dried flowers, straw and crepe paper are highly flammable. Make sure to keep your decorations away from all open flames
  • Make sure all outside lights are in good working order
  • If you have a large display make sure electric cords are taped or secure to prevent tripping
  • Practice indoor fire safety by checking all smoke detectors. Make sure candles are placed in a secure area
  • Make sure windows and doors are locked at all times
  • It’s never a good idea to answer the door after a certain time

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 Cyber Liability, Homeowner’s Insurance, News and Announcements, Personal Insurance, Safety.

Avoid Identity Theft

The credit card industry is growing at an unprecedented rate.  According to a recent survey, the average American household has 2.6 credit cards. People should take note that one of the most prevalent credit card scams in society today is identity theft. In fact, $16 billion was stolen from 12.7 million U.S. consumers through identity theft in 2014. What people do not realize is that having numerous credit cards can also put them at risk for identity theft.  Fraudulent activities are very prevalent in the industry and the best targets of the culprits are those who have numerous credit cards.  Becoming a victim of identity theft can be costly, time consuming, and wreak havoc on your life.

Identity Theft Prevention Tips

Never give out any personal data or information over the phone; even if the caller says he is from the bank that issued your credit card and that the information gathering is just some sort of verification.

If you are offered a promotion requiring you to give some personal information, then, it would be better not to enter the promotion at all.

Do not carry all of your credit cards with you; take only the one or two that you will need. You will never know what will happen while you are in a public place, where identity theft could just be lurking around, waiting for its next victim.

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 Commercial Insurance, Homeowner’s Insurance, News and Announcements.

Business solutions, success and strategy concept. Structuring virtual diagram of business process with solutions.

 

According to most experts identity theft is on the increase. Your identity is one of your most important assists. Violation of your identity is frightening and can be costly, but most consumers tell themselves it cannot happen to them. PlatinumOne Insurance can provide you with insurance solutions for your identity theft risks. There are a number of ways to provide the protection you need.

Ben Weitzenkorn, a contributor to TechNewsDaily, reports, “Identity theft in the United States rose to a three-year high in 2012, with more than 5 percent of the adult population, or 12.6 million people, falling victim to such crimes, says a new survey. That’s up from 4.9 percent in 2011 and 4.35 percent in 2010.”  Here is another interesting fact. Over 24% of identity thefts occur from people you know.

Here are a few recent headlines that should catch your attention:

  • Miami Man Charged in $12 Million Identity Theft Tax Refund Fraud Scheme Involving Thousands of Fraudulently Obtained U.S. checks. http://www.fbi.gov
  •  2 men accused of identity theft ring on trial. http://www.khon2.com
  •  Seven charged with identity theft inside Davis County Jail. http://www.standard.net

There are many things you can do to protect yourself from identity theft. Here are a few:

  1. Consider adding Identity Theft Insurance from to your insurance policy.
  2. Create a PIN that is not too easy to crack, i.e. don’t use “(yourname)123”
  3. Don’t give out your Social Security number to people you don’t know.
  4. Consider reducing the credit cards in your wallet. Only travel with what you need.
  5. Shred all financial statements before placing in trash.
  6. Check your credit report annually.
  7. Don’t put your birthday on your social media site.
  8. Be careful about opening links you find in emails, know the source.
  9. Destroy digital data.
  10. 10. Be diligent about checking statements. Review all transactions monthly.
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