Spring Is Here
March 2015
Inside this issue: Top Insurance Questions 2 Spring Maintenance
3
Celebrity Accidents
3
Referral Program
4
Cooper’s Review
Spring Is Here Dear Clients and Friends, Welcome to our client Spring Newsletter. We appreciate your business and friendship. It is a privilege to serve you and we hope there will be at least one item you can take from this publication that you will find interesting, or helpful.
Elizabeth Davis
Marla Hoecker
John Moore President
Auto Insurance Alert: It has been brought to our attention recently that some of the insurance companies that we represent and others we do not are now denying some claims when your car is made available for regular use to a licensed driver in the household that is not listed on the policy.. If there are any drivers residing in the home or outside the home that you are allowing regular access to your vehicles, they should be added to your policy. Please let us know if you have any questions or we need to add any additional drivers as it could cause a situation in which you will not have coverage. We are excited to announce our new branch located at:
Mary Lee
Bainbridge Island Branch 9431 Coppertop Loop #102 Bainbridge Island, Washington 98110 Phone: (206) 201-3702 Fax: (206) 933-2006
Ruth Sarvis 6055 California Ave SW Seattle, WA 98136 206.932.2500 9431 Coppertop Loop #102 Bainbridge Island, WA 98110 206.201.3702
[email protected] . www.nwinsgroup.com
New Location
Page 2
Cooper’s Review
PRIVACY POLICY AND PRACTICES Northwest Insurance Group, Inc is proud to serve the insurance needs of our customers. To continue to provide services that respond to your insurance needs, NWIG collects certain personal information about you, which is described below under The Personal Information We Collect. At NWIG, we respect the privacy of our customers. We do not sell customer lists or any personal information regarding our customers. Law regulates NWIG’s personal information handling practices, and this Privacy Policy describes those practices.
NWIG’s Privacy Policy The Personal Information We Collect. NWIG collects personal information about you and the members of your household to conduct business operations, provide customer service, and satisfy legal and regulatory requirements. We may collect the following categories of information about you from these sources:
Information from you directly including information from applications, work sheets, questionnaires, claim forms or other documents (such as name, address, driver’s license number and amount of coverage requested).
Information about your transactions with us or others (such as services purchased, claims made, account balances and payment history).
Information from a consumer-reporting agency (such as motor vehicle reports). Information from other sources (such as prior loss information and demographic information). Information from visitors to our web site (such as that provided through online forms). The Personal Information We Share. NWIG may disclose the personal information we collect to service, process or administer business operations such as underwriting and claims, and for other purposes such as regulatory compliance, the detection or prevention of fraud, or as otherwise required or allowed by law. These disclosures may be made without prior authorization from you, as permitted by law. Sharing Personal Information With Others. NWIG may disclose the personal information we collect to nonaffiliated parties for processing and servicing transactions such as property and automobile appraisers, claim adjusters and third-party administrators. For example, NWIG may disclose personal information to other parties that perform services for us such as customer service or account maintenance. Specific examples include mailing information to you and maintaining or developing software for us. NWIG may also disclose personal information to nonaffiliated parties as permitted by law. For example, we may disclose information in response to a subpoena, to detect or prevent fraud or to comply with an inquiry or requirement of a government agency or regulator. Confidentiality and Security of Personal Information. Access to personal information is allowed for business purposes only. The people who have access to personal information, including employees of NWIG and non-employees performing business functions for NWIG, are under obligations to safeguard such information. NWIG maintains physical, electronic and procedural safeguards to guard your personal information.
6055 California Ave SW Seattle, WA 98136 206.932.2500 9431 Coppertop Loop #102 Bainbridge Island, WA 98110 206.201.3702
[email protected] . www.nwinsgroup.com
Page 3
Spring Maintenance Tips With spring comes the thought of cleaning, home and yard maintenance. We wanted to give you a few helpful ideas to get started.
Celebrity Auto Accidents Bruce Jenner was recently in a terrible auto accident. One person died. According to multiple news sources, it now appears that Mr. Jenner may have been responsible for the accident. Sources: Insurance Business, DailyNews.com
Mr. Jenner only had $250,000 of auto liability insurance. The claim will likely be well above that. This is a good reminder to consider higher limits, especially if;
Home maintenance Tips Check all gutters for leaks. Re-caulk windows. Repair foundations and roof. Cut back brush and tree limbs away from the
house. Clean decks, driveways, fences and other
outside surfaces. Check all fire extinguishers for correct
pressure. Check the washing machine fill hose. Clean your dryer vent. Check your water heater for leaks and
1. 2. 3. 4.
You own a business Have teen drivers Have a nice retirement account You own a pool, boat, AVT or RV
Our personal insurance team can recommend auto liability coverage that fits your needs. Additionally, we recommend having an umbrella policy, depending on your financial and personal situation.
What We Insure?
corrosion. Safely store oil and gas for lawn equipment
and tools in a vented, locked area. Remove firewood stored near the home.
Firewood should be stored at least 18 inches off the ground at least 2 feet from the structure. Have a qualified heating and cooling
contractor clean and service the outside unit of the air conditioning system. Have a Barbeque and enjoy time with family
Auto-Home-Boats-Business We Insure Your Fun!
and friends!
6055 California Ave SW Seattle, WA 98136 206.932.2500 9431 Coppertop Loop #102 Bainbridge Island, WA 98110 206.201.3702
[email protected] . www.nwinsgroup.com
Northwest Insurance Group 6055 California Avenue SW Seattle, WA 98136
Phone: 206-932-2500 Fax: 206-933-2006 Email: [email protected]
CHECK US OUT ON THE WEB! WWW.NWINSGROUP.COM
When it comes to protecting your family, why would you choose to purchase insurance from anyone offering just one company?
Stay in Touch!!!! Please “Like” us on Facebook Just search for Northwest Insurance Group or John Moore
REFERRAL REWARDS PROGRAM Here’s how it now works:
If you refer a friend you will receive a $10 Safeway gift card! (Under the new regulations, you can only receive $25 per year). Additionally, we will continue to pledge $10 per referral into our charity bank all year long.
If your referral signs a policy with us, we will pledge an additional $10 into the charity bank.
At the end of the year, we will draw 2 names from all of the individuals that have referred business to us throughout the year. We will then make a charitable donation on their behalf to the charity of their choosing.
New: The Washington State Department of Insurance has recently stated that the maximum gift amount that can be awarded any one person is $25 in total for a one year period. We can no longer provide a larger quarterly award as that violates their rules.
THANK YOU FOR YOUR REFERRALS!!!!!!!!
*A referral occurs when someone calls for a quote and they say that you referred them to us. Don’t worry we ask on every call!
Inside this issue: Top Insurance Questions 2 Spring Maintenance
3
Celebrity Accidents
3
Referral Program
4
Cooper’s Review
Spring Is Here Dear Clients and Friends, Welcome to our client Spring Newsletter. We appreciate your business and friendship. It is a privilege to serve you and we hope there will be at least one item you can take from this publication that you will find interesting, or helpful.
Elizabeth Davis
Marla Hoecker
John Moore President
Auto Insurance Alert: It has been brought to our attention recently that some of the insurance companies that we represent and others we do not are now denying some claims when your car is made available for regular use to a licensed driver in the household that is not listed on the policy.. If there are any drivers residing in the home or outside the home that you are allowing regular access to your vehicles, they should be added to your policy. Please let us know if you have any questions or we need to add any additional drivers as it could cause a situation in which you will not have coverage. We are excited to announce our new branch located at:
Mary Lee
Bainbridge Island Branch 9431 Coppertop Loop #102 Bainbridge Island, Washington 98110 Phone: (206) 201-3702 Fax: (206) 933-2006
Ruth Sarvis 6055 California Ave SW Seattle, WA 98136 206.932.2500 9431 Coppertop Loop #102 Bainbridge Island, WA 98110 206.201.3702
[email protected] . www.nwinsgroup.com
New Location
Page 2
Cooper’s Review
PRIVACY POLICY AND PRACTICES Northwest Insurance Group, Inc is proud to serve the insurance needs of our customers. To continue to provide services that respond to your insurance needs, NWIG collects certain personal information about you, which is described below under The Personal Information We Collect. At NWIG, we respect the privacy of our customers. We do not sell customer lists or any personal information regarding our customers. Law regulates NWIG’s personal information handling practices, and this Privacy Policy describes those practices.
NWIG’s Privacy Policy The Personal Information We Collect. NWIG collects personal information about you and the members of your household to conduct business operations, provide customer service, and satisfy legal and regulatory requirements. We may collect the following categories of information about you from these sources:
Information from you directly including information from applications, work sheets, questionnaires, claim forms or other documents (such as name, address, driver’s license number and amount of coverage requested).
Information about your transactions with us or others (such as services purchased, claims made, account balances and payment history).
Information from a consumer-reporting agency (such as motor vehicle reports). Information from other sources (such as prior loss information and demographic information). Information from visitors to our web site (such as that provided through online forms). The Personal Information We Share. NWIG may disclose the personal information we collect to service, process or administer business operations such as underwriting and claims, and for other purposes such as regulatory compliance, the detection or prevention of fraud, or as otherwise required or allowed by law. These disclosures may be made without prior authorization from you, as permitted by law. Sharing Personal Information With Others. NWIG may disclose the personal information we collect to nonaffiliated parties for processing and servicing transactions such as property and automobile appraisers, claim adjusters and third-party administrators. For example, NWIG may disclose personal information to other parties that perform services for us such as customer service or account maintenance. Specific examples include mailing information to you and maintaining or developing software for us. NWIG may also disclose personal information to nonaffiliated parties as permitted by law. For example, we may disclose information in response to a subpoena, to detect or prevent fraud or to comply with an inquiry or requirement of a government agency or regulator. Confidentiality and Security of Personal Information. Access to personal information is allowed for business purposes only. The people who have access to personal information, including employees of NWIG and non-employees performing business functions for NWIG, are under obligations to safeguard such information. NWIG maintains physical, electronic and procedural safeguards to guard your personal information.
6055 California Ave SW Seattle, WA 98136 206.932.2500 9431 Coppertop Loop #102 Bainbridge Island, WA 98110 206.201.3702
[email protected] . www.nwinsgroup.com
Page 3
Spring Maintenance Tips With spring comes the thought of cleaning, home and yard maintenance. We wanted to give you a few helpful ideas to get started.
Celebrity Auto Accidents Bruce Jenner was recently in a terrible auto accident. One person died. According to multiple news sources, it now appears that Mr. Jenner may have been responsible for the accident. Sources: Insurance Business, DailyNews.com
Mr. Jenner only had $250,000 of auto liability insurance. The claim will likely be well above that. This is a good reminder to consider higher limits, especially if;
Home maintenance Tips Check all gutters for leaks. Re-caulk windows. Repair foundations and roof. Cut back brush and tree limbs away from the
house. Clean decks, driveways, fences and other
outside surfaces. Check all fire extinguishers for correct
pressure. Check the washing machine fill hose. Clean your dryer vent. Check your water heater for leaks and
1. 2. 3. 4.
You own a business Have teen drivers Have a nice retirement account You own a pool, boat, AVT or RV
Our personal insurance team can recommend auto liability coverage that fits your needs. Additionally, we recommend having an umbrella policy, depending on your financial and personal situation.
What We Insure?
corrosion. Safely store oil and gas for lawn equipment
and tools in a vented, locked area. Remove firewood stored near the home.
Firewood should be stored at least 18 inches off the ground at least 2 feet from the structure. Have a qualified heating and cooling
contractor clean and service the outside unit of the air conditioning system. Have a Barbeque and enjoy time with family
Auto-Home-Boats-Business We Insure Your Fun!
and friends!
6055 California Ave SW Seattle, WA 98136 206.932.2500 9431 Coppertop Loop #102 Bainbridge Island, WA 98110 206.201.3702
[email protected] . www.nwinsgroup.com
Northwest Insurance Group 6055 California Avenue SW Seattle, WA 98136
Phone: 206-932-2500 Fax: 206-933-2006 Email: [email protected]
CHECK US OUT ON THE WEB! WWW.NWINSGROUP.COM
When it comes to protecting your family, why would you choose to purchase insurance from anyone offering just one company?
Stay in Touch!!!! Please “Like” us on Facebook Just search for Northwest Insurance Group or John Moore
REFERRAL REWARDS PROGRAM Here’s how it now works:
If you refer a friend you will receive a $10 Safeway gift card! (Under the new regulations, you can only receive $25 per year). Additionally, we will continue to pledge $10 per referral into our charity bank all year long.
If your referral signs a policy with us, we will pledge an additional $10 into the charity bank.
At the end of the year, we will draw 2 names from all of the individuals that have referred business to us throughout the year. We will then make a charitable donation on their behalf to the charity of their choosing.
New: The Washington State Department of Insurance has recently stated that the maximum gift amount that can be awarded any one person is $25 in total for a one year period. We can no longer provide a larger quarterly award as that violates their rules.
THANK YOU FOR YOUR REFERRALS!!!!!!!!
*A referral occurs when someone calls for a quote and they say that you referred them to us. Don’t worry we ask on every call!
