Smartphone Protection
Smartphones are our trusty sidekicks, our lifelines to not only our digital world, but our families and friends. However, they are also fragile: susceptible to being dropped, thrown, cracked, scratched and unfortunately stolen. This is where smartphone protection comes in.
What is smartphone insurance?
Smartphone protection is like a magical shield for your expensive lifeline. Coverage is for:
1. Accidental damage
2. Malfunction
3. lost and stolen coverage
Small Print Made Large:
1. 2 claims per 12-month period
2. 30 day waiting period to submit a claim, after the policy has been binded and approved.
3. Best Part 12 months of coverage for $150.00!!!!!!
How do Repair?
1. Repair service fee of $49.00 (for active smartphones retailed below $500)
2. Repair to replace service fee of $99.00 (for active smartphones retailed below $50)
3. Replacement service fee of $199.00 (for active smartphones retailed below $500)
4. Repair service fee of $99.00 (for active smartphones retailed $500 and above)
5. Repair to replace service fee of $199.00 (for active smartphones retailed $500 and above)
6. Replacement service fee of $299.00 (for active smartphones retailed $500 and above)
Cyber
Unfortunately, commercial data breaches and other cyber-crimes are becoming way too common in our digital society. In the past couple years, data breaches have resulted in major fines and legal fees which can cost your business thousands upon thousands of dollars.
A data breach can damage more than just your small-business computer system – it also can damage your reputation and put your customers and/or employees at risk.
What is cyber insurance
Cyber insurance generally covers your business' liability for a data breach involving sensitive customer/client information, which can include:
* Social Security numbers
* Credit card information
* Bank account information
* Cyber bullying
* And more
What does cyber insurance cover?
Besides legal fees and expenses, cyber insurance typically helps with:
* Notifying customers about a data breach
* Restoring personal identities of affected customers
* Recovering compromised data
* Repairing damaged computer systems
Error & Omission
What Is Errors and Omissions Insurance (E & O)
Errors and omissions insurance, also known as E&O insurance helps protect you from lawsuits claiming you made a mistake in your professional services. This insurance can help cover your court costs or settlements.
What Does E&O Insurance Cover
* Negligence
* Errors in services given
* Omissions
* Misrepresentation
* Violation of good faith and fair dealing
* Inaccurate advice
Who needs E & O Insurance
*Accountants
* Engineers
* Advertising firms
* Educators
* Landscapers
* Marketing firms
* Website developers
* Barbershops/ Hair & Nail salons
* Real Estate Agents
* Independent Insurance Agents
* Attorneys
* Veterinarians / Pet Groomers
Home Warranty
California Home Warranty Program
Home systems and appliances can fail at any time, and dealing with a broken air conditioning unit in the middle of a scorching summer is not something you want.
The expenses of repairing and or replacing systems and appliances can range from a few hundred too many thousands of dollars, which can put a strain on your wallet and cause countless inconveniences.
Laura Ashley The Agent provides home warranty insurance which can provide a peace of mind to homeowners and renters.
What is covered
* Mechanical failure/breakdown
* Age, wear, and tear
* Electric motor equipment
* Electrical Systems
* Plumbing
JewELry
Love to sparkle, keep it insured and protected.
Your jewelry reflects your personality, family legacy, achievements, interests and hobbies which can represent special moments in your life. It deserves to be protected with the right coverage. With jewelry protection you are able to receive repair or replacement coverage for all types of jewelry, even loose stones while being set.
* Rings
* Watches
* Necklaces
* Bracelets
* Earrings
* Charms
Wear your jewelry without worry!
Jewlery is meant to be worn and admired as wearable art. However, the fear of losing or damaging the jewelry can make an individual not wear and enjoy their jewelry. Have no fear with this protection you receive coverage for:
* Loss
* Damage
* Disappearance
* Theft
Wear with pride
Know that if your jewelry is lost, damaged or stolen, the coverage will work with the jeweler of your choice to repair or replace the insured jewelry piece the same or kind while maintaining the quality before the claim. Jewlery insurance goes beyond typical your homeowners and renter's insurance and includes worldwide travel.
Did you Know?
Insuring your jewelry with a standalone policy could protect your home insurance from the effects of a jewelry claim, which may cause your premium to increase.
Collectables
Homeowner’s coverage is typically based on the actual cash value of your collection — not its current market value. Perils such as floods, hurricanes, or earthquakes may not cover your collectables. It may have limited or no coverage for valuables like silver, guns, stamps, and other collectible items.
Collectables that are covered
* Antiques
* Art
* Automotive related (excluding cars) • Coins, stamps, and currency
* Comics
* Firearms
* Sports memorabilia
* Music and film memorabilia • Trading cards
* Toys
Covering your collectables is important especially since you spend thousands of thousands of dollars as well as countless time and effort in collecting the perfect pieces. Coverage advantages include
* Agreed value
* Accidental breakage
* Burglary/theft
* Flood (except in zones A & V)
* Earthquake
* Loss in the mail
However there are some common exclusions which will not provide coverage which includes
* Wear and tear
* Deterioration
* Mysterious disappearance
* Damage while being worked on
Drone
Owning a drone is a unique way to look at the world and everything the land has to offer.
however, knowing your rules and laws can assist with avoiding liability. Securing drone insurance can assist with protecting you while enjoying your drone.
There are four types of insurance that commercial drone operators should consider
* Liability insurance
* Hull insurance
* Cyber liability
* Commercial property insurance
Standard Annual Policy Includes
* Third Party Liability
* Fly Anytime, Anywhere Around the World
* $5,000 Medical Expense
* Premises Liability
* Automatic Coverage for Additional Insureds
* Contractual Liability up to Policy Limit
* $100,000 Fire Damage Legal Liability
* $5,000 Bail Bonds
* Coverage for Hijack and Malicious Damage
