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22 hours ago · by · 0 comments

How do Car Accidents Affect Shopping for Car Insurance?

In California, accidents appear on your driving record for 3 years (on aveage).  However, its important to note that a car accident can affect your insurance even after its disappeared off your motor vehicle report.

When you request a quote for your auto insurance, one of the things that underwriters look at is your driving record.  Your driving record is a combination of tickets and accidents. We run the MVR (motor vehicle report) and CLUE report (CLUE tells us any paid claims) because these items are a normal part of the underwriting process.

 

Here is where it can get a bit confusing.  Each insurance carrier has a different “lookback” time period.  Some will only go back three 3 years, others may look as far back as 5 years.  The insurance carrier uses this information to determine whether you qualify for insurance with them, and at what rating tier.  

 

Each carrier can be different with their ratings tiers, but the cleanest driving record get the best rates.  The driving records with more claims and tickets will receive a higher rate. This is because the driver of the vehicle with a not-so-great driving report is more likely to file a claim.

Sometimes when drivers have many marks on their record, they are classified as a “high risk” driver.  If you are classified as a “high risk” driver, you can count on higher premiums. The carrier also reserves the right to refuse coverage entirely.

If you are denied coverage or feel as though the premium is too high, its time to start looking at another carrier.  Its entirely possible that another carrier will not classify you as a “high risk” driver. Because carriers operate on such different criteria, its very beneficial to be working with an independent insurance broker who can easily access many different products at once.

Go ahead and call us to hear what your options are.  916-750-2489.

 

Or, go here (quote form link) and fill out this form.  

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3 weeks ago · by · 0 comments

How to Pick an Insurance Broker

In this blog post we will discuss why our agency is different, and what to look for when forming a relationship with an independent insurance broker.


About us: We do not cut corners.  We do not skimp on coverage.  We are in the business of providing financial guarantees.  Nobody wins when an insurance agency creates financial uncertainty in order to save the customer a few bucks.


At Inspire Insurance Services in Roseville, CA we give fundamentally sound advice.  We also build strong relationships built on trust and accountability. A good insurance broker should remove the need for you to think about insurance at all.  They take care of all the work!

When you find a good one, an independent insurance broker should be treated as a trusted advisor because that’s what they are.  Because an independent broker doesn’t work for an insurance company, they act on your behalf and make insurance carriers compete for your dollars.

 

That brings us to our next point.  Its best to align yourself with a broker that has a diverse pool of carriers to choose from in both commercial and personal lines.  This ensures that you will be offered a variety of coverage options. Remember insurance is not a one size fits all industry. Each situation is unique and only a broker with strong carrier alignment can serve your unique needs.

Consider that there’s more to an insurance broker than price alone.  At Inspire Insurance Services we do not charge fees for our work. But some brokers do.  That’s in part because of how time consuming it is for brokers to thoroughly evaluate and shop your insurance.  Brokers often times put in 10+ hours on a commercial account and many times the consumer decides to go another route.  That’s okay, its a part of the business.

 

Your insurance broker should be easy to access.  In the modern era you can contact your broker by text, email, or phone call.  While us brokers don’t work 24 hours a day, a good broker should be responsive to all your requests.

A good insurance broker will do a complete job, the very first time.  What this means is paperwork and answering questions that some people may deem to be unnecessary.  Without a comprehensive understanding of your situation, a broker can not give their best advice. Find a broker that doesn’t want to rush through the process and you’ll be protected much better than someone who does business with an agent who does an incomplete job.

This is a big one here so take notice of this next paragraph.  Find an insurance agent who provides you with a policy that is set up to protect you, not sell you.  We see this so often in the industry: insurance policies that are written to sell and not protect. Corners are cut, coverage amounts are decreased, deductibles are raises.  All these tricks in an effort to make the premium lower so that you sign on the dotted line.

If you aren’t in love with your current broker, if you haven’t heard from your broker in a long time, or if you’re simply looking to ask a question…  give us a ring!  916-750-2489

 

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3 weeks ago · by · 0 comments

What’s the Difference Between a Homeowners and Landlord Insurance Policy?

There are many different types of policies in the world of California property insurance.  Homeowners, renters, condos and landlord. You may have heard of a landlord policy being referred to as a dwelling fire policy.

At Inspire Insurance Services in Roseville, CA we have clients come to us confused as to what type of insurance they need.  No problems there, insurance IS confusing.

Renters insurance is fairly self explanatory.  You are renting an apartment or home from someone who has a mortgage on the property.  What you are in need of is coverage for your personal items inside of the apartment, home, or condo that you are renting.

Condos have different requirements than a typical homeowners policy.  These condo policies are written in a way to fit those specific needs.

Homeowners and landlord policies create confusion for many people.  Which one is right for the property you own?

This is determined by who occupies the home.

Do you occupy the home that you own?  A homeowners policy is what’s needed for owner occupied home.

But lets say you have a tenant in one of the homes you own.  A landlord policy is designed for tenant-occupied homes.

For the sake of clarity, even if you are not charging the tenant rent, you still need a landlords policy if you do not live in the home.

 

Aside from occupancy, a homeowners and landlord policy differ in coverage options too.

 

  • Coverage A- Dwelling
  •  Coverage B- Detached Structures (your tool shed, the detached garage)
  •  Coverage C- Personal Property (your stuff that isn’t part of the house.  I tell clients this is anything that would fall out that if you picked up the house and shook it upside down.  All your stuff that is not part of the home. By the way, we don’t recommend trying to pick up your house. Bad idea)
  •  Coverage D- Additional Living Expense (pays for expenses should you have to move out due to a covered loss- hotels, apartment, meals out, laundromat, etc.)
  •  Coverage E- Personal Liability
  •  Coverage F- Medical Payments to Others

 

A landlord policy includes:

  •  Coverage A- Dwelling
  •  Coverage B- Detached Structures (your tool shed, detached garage). Depending on the company, this coverage may not be automatic, but instead added on.
  •  Coverage D- Loss of Rental Value (similar to Coverage D above, except this pays for rent you can’t collect because your tenant has had to move out due to covered loss- house fire is a great example).
  •  Coverage E- Personal Liability
  •  Coverage F- Medical Payments to Others

 

So what’s the difference?  No Coverage C for Personal Property in a landlord policy.  Why? As a landlord it is not your responsibility to insure a tenant’s personal property.  That is what a renter’s policy is for.

With that said, its a good idea for landlords to insure items that they furnish for the rental property: stoves, refrigerators, washer and dryer.  You can add Personal Property to insure those items.

Its always best to get an insurance broker to hear your specific needs.  From there they can give you an idea of how best to protect yourself. If you own or rent a home in the state of California, give us a call at (916) 750-2489.

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2 months ago · by · 0 comments

Reducing Employee Turnover at a Cleaning Company

Employee turnover has seemingly forever been a pain point for the janitorial industry, especially during a very strong economy. During a strong economy the average employee has more job choices than usual.

We live in an era in which employees feel as though the way to get ahead is by jumping from opportunity to opportunity. Gone are the days when employees feel that long term loyalty to a single company will provide them enough income to one day retire.

decreasing turnover at my cleaning companyLosing employees hurts in the short term. You’ll be scrambling to fill the previous cleaner’s now vacant spot. Without cleaners, you can’t uphold the promises you made to your clients who rely on your service as a key component to their business.

In the long term it hurts because your cleaning company won’t establish a culture or identity if turn over is a constant.

One day its this employee, the next week its a different employee.

At Inspire Insurance Services LLC in Roseville, CA we’ve learned clients really appreciate a smooth predictable customer experience.

With all that said, here are three tips to prevent turnover and all the negatives it brings to your business.

1.) Allow your workers to grow

Employees are there to earn a paycheck, but also to experience growth in their career. Can you blame them? You’re a small business owner. If anyone should embrace this, its you. Nearly ⅓ of employees say that their employer does not provide enough opportunity to grow. Your company should have a culture that encourages their personal and career development.

2.) Make working less mundane

Employees get bored and start to experience the grass is greener syndrome. Make working for your company fun and exciting if you can. This type of approach goes a long way. Remember, if your employee anticipates that they would have a more exciting job at another cleaning company, that’s when they start sending our applications.

3.) Care about your employees

Really though, care about your employees. Many employees are more motivated by feeling appreciated than receiving a paycheck. Thank them for their work. Tell them that without them, you wouldn’t be able to grow your business. Say it because you mean it. Say it because its true. Say it because you know that showing gratitude is an excellent way to receive more of the universe’s pleasantries.

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2 months ago · by · 0 comments

What Type of Insurance Do I Need For a Cleaning Company?

Comprehensive insurance coverage for a cleaning company is unique.  Why? Nearly 100% of the job is spent working on other people’s property.

Your employee can damage property that belongs to someone else, or another business.

For instance, a computer can be damaged during the cleaning process.  Now you may say to yourself, computers are cheap, that desktop is probably only worth a few hundred dollars.  And you’d be right. But the data recovery, or worse yet, loss of sensitive data can be very costly.

Cleaning industry insuranceBecause your employees have access to your customer’s equipment, theft, and dishonest practices are always possible.  If an employee is held responsible for a crime, you could be held responsible for the loss.

But, the good news is, we’ve got your back at Inspire Insurance Services in Roseville.  We also can write bonding insurance which acts as a way to fill in the gaps where other insurance may leave off, covering replacements of electronics, or other high-value items that get destroyed or go missing.

Naturally, you and or your employees are driving vehicles from job to job, and as such you need an auto policy that will cover you in the event of an accident that takes place while using the car for business usage.

Many times when we examine policies written by other agencies, we discover there is, in fact, no business usage coverage on the policy.

In this blog post we’ve outlined some, but not all of the exposures that are unique to the janitorial industry.  If you took nothing else from this post, remember that because there’s such a wide variety of losses that can occur in your line of work, it is crucial that you have your broker or agent evaluate your policies from top to bottom to ensure there are no gaps.

We frequently repeat these words to our clients:

“Your insurance policy is only as good as the person who wrote it.  Many brokers or agents will leave gaps in coverage because of a lack of knowledge, or they have cut corners to bring the premium down and increase their chances of closing the deal.  The cheapest policy today could be the most expensive policy tomorrow.”

If you don’t love your current broker or agent, call us.  Heck, even if you do love your current broker, we’re still happy to evaluate your insurance to make sure you’re in a good spot.  At Inspire Insurance Services LLC in Roseville, CA – we are true experts when it comes to cleaning company insurance.  Please contact us if we can be of assistance.

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3 months ago · by · 0 comments

Does A Cleaning Company Need Insurance?

We write across many different classes of business but we’ve made janitorial and cleaning companies one of our main areas of focus.  We’ve done this for a number of reasons:

First, we have a list of carriers that are among the most competitive in providing comprehensive coverage that will enable you to sleep better at night.  Oh, and we find carriers that do this for a very reasonable price.

Business insurance for a cleaning companySecondly, focusing in on a few classes of business enables us to get the complete story on what your needs are, and learn the industry inside and out.  We aim to be one of your most trusted advisors.

But why does a cleaning company need insurance anyway?

Business insurance can protect you against a whole host of “oopsies” events!  Maybe a cleaner damages something of high value while dusting or vacuuming. Or, a cleaner trips and injures themselves while vacuuming.

At Inspire Insurance Services in Roseville, CA we have a wide variety of carriers to pick from, so we’re able to be sure to get the MOST bang for your buck.  In short, we are in a position to have the carriers compete for your business.

Some of these plans come with bells and whistles that fit your specific situation.  For instance, maybe you want $25,000 worth of employee dishonesty coverage added to your policy.  No problem there.

If you are running your business without insurance now, just know that if your business is like most other businesses, the difference between being covered and not covered in the event of a major injury or damage to someone else’s property is likely the difference between going belly up or not.

When we write your insurance, we cover all the bases so that you can stop worrying about the what-ifs, and do what you do best…  run your business!

Go ahead, drop us an email.  We don’t bite, and unlike some agencies, we won’t pressure you to buy from us.  That’s a promise.

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3 months ago · by · 0 comments

What Does an Independent Insurance Broker Do?

An independent broker can do important things for you. To begin, we are able to quickly scan pricing and coverages across many different carriers. You get choices. Since rates vary so widely, we are able to secure a better deal than you are able to get yourself.

Going through an independent channel is beneficial to you because when it comes time to renew, it is very easy for us to bid your insurance out. The more companies your insurance is bid out to, the greater chances you have of getting the most bang for your buck.

Where to get cheap insuranceIf we find a better deal, its easy for us to move your policies over and make sure there’s no gaps in coverage dates. The process is smooth – you don’t need to provide all the information again, and you can stick with the same broker.

For many people the relationship they’ve built with the broker is important to them, so they deal with higher rates or incomplete coverage in order to continue the relationship. With an independent, this is a non issue. Keep your broker and get better coverage. You deserve it.

Independent agents are not employed by insurance companies. We act as an advocate for you, the client. Because we are not employed by an insurance company, we are able to give unbiased advice. We can evaluate your insurance as a whole, and if we see something that could be improved upon, we always have a variety of ways to solve that weak point.

If a claim should arise, we act on your behalf to make sure that the carriers uphold their promises. Filing for claims, and getting them approved can be a confusing and frustrating process. Having someone in your corner that has been there and done that is always a plus.

You should not need to be dialing automated 1800 numbers when dealing with a claim. With us, you won’t. Dial the same number you always do, and get a human, right away.

In short, working with an independent comes down to the four A’s.

 

  • Advocacy
  • Accountability
  • Affordability
  • Accessibility

 

Unless you LOVE the broker you are working with, we ask that you pick up the phone and call us.

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Company Information

Inspire Insurance Services, LLC
Matthew Labb (Founder, Owner)
License #0N08062

Contact details

Location:
Roseville, CA
E-mail address:
matthew@inspireinsuranceservices.com
Phone number:
916-750-2489

916-750-2489

Available 8:00am - 6:00pm