F I R M Solutions, LLC

LIFE INSURANCE

 

Life exists between the hours of the workweek. Most importantly, it exists in the eyes of sons and daughters and those you hold close – those forever expecting your safe return home.

Life insurance from FIRM Solutions, LLC gives you the opportunity to protect your family’s dreams, ambitions, and finances should an unexpected death occur.

With life insurance from FIRM Solutions, LLC, you can help your family:

• Keep the ability to pay the home mortgage.
• Maintain their current standard of living.
• Pay off debts, estate taxes, and final expenses.
• Create a fund for college education.
• Create a fund for a family member with special needs.
• Protect your family’s dreams for the future.

A good life insurance policy would handle the financial responsibilities you left behind so family members won’t be burdened. Unlike the funds from an estate, the benefits from a life insurance policy will shoot straight to the beneficiaries, without any roadblocks. Tax Free!

In my 20 years experience in this business, no recipient of a death benefit  has ever complained that their loved one had too much life insurance. Every aspect of a untimely death will be made  better with the presence of LIFE INSURANCE.

1-888-471-FIRM (3476) 1-760-471-1312 or info@firmsolutions.net

GARAGEKEEPERS COVERAGE-THE DETAILERS SIDE

 

From the customers point of view. Finding a DETAILER or auto repair facility that does high quality repairs at a good price can be difficult enough, but developing a relationship of complete trust is even more of a challenge.
Auto dealers, body repair shops, auto painting shops, DETAILERS, service stations, storage garages and parking lots all are businesses wherein commercial general liability and business auto liability insurance are heavily intertwined. For this reason these businesses are insured by a “Garagekeepers Coverage" policy.

What is most unique about this insurance is the “Garagekeepers coverage."  It is coverage which applies to vehicles left with the business, by a customer, while it is being serviced, stored or DETAILED by the employees of the business. In most cases you will never know that an adverse event involving your vehicle has occurred while in the care, custody and control of a shop, garage or DETAILER.  As you can imagine, it is not in the best interests of the business in question, to advertise its lack of caution or accidental mishaps. So what if something does happen to your car?

Garagekeepers will pay for any damages incurred while your vehicle is in the care, custody and control of the business. This means that you do not have to involve your own insurance carrier in the claim or repair of damages. You won’t have to pay your deductible first and wait for the possibility of reimbursement. The insurance for the business will be first in line to respond on your behalf.

What if you leave your vehicle with a DETAILER for a complete interior and exterior detail. The DETAILER has limited parking and moves your vehicle to curbside parking in the course of waiting to get to your car. While it is parked on the street a careless motorist damages the entire left side of the vehicle while driving down the street.  The DETAILER is clearly are not legally liable in this case. Your vehicle was parked properly and was unattended at the time of the crash.

If the DETAILER has no Garagekeepers coverage most likely you will be notified of the accident and must report it to your own insurance carrier. It will be considered a no fault loss since your vehicle was parked and unattended, but you will need to be actively involved in the claim process and repair since your vehicle’s insurance policy is primary.

If the DETAILER is a professional, he realizes the importance of being properly insured. The DETAILERS garagekeepers policy will handle the claim and damage repair, and you will not be asked for a deductible. The shop will pay any deductible that applies to the loss. You the customer are out of pocket zero.

FIRM Solutions offers a wide verity of commercial insurance products. Our Garagekeepers package is one of the industries best. We have preferred underwriting status with the nations top commercial insurer. Our prices make it affordable to the new business owner and start up alike. Don’t run your business bare because you think it’s going to cost thousands of dollars to get Gargekeepers coverage. Our average policy for the new DETAILER runs $60 a month. 

Give us a call at 888-471-FIRM (3476) 760-471-1312 or info@firmsolutions.net

CGL Coverage Product & Completed Operations

Products:

If you manufacture, sell or distribute a product of any kind, there is a possibility that the use of this product by one of your customers could potentially cause bodily injury. The most common and apparent example of a Products Liability exposure is all the warning labels manufacturers attach to a stepladder. Next time you are at a home improvement store take a look at all the warning labels the ladder manufacturer places on their product. Who really needs to be told not to stand on the top rung of a ladder? Or Watch Your Step!
The reason why the ladder manufactures places obvious warning labels on their products is because of the potential risk of someone injuring themselves from an undisclosed exposure that results in a hazardous fall. A product liability hazard exists when someone injures themselves as a direct result of the manufactures not disclosing the potential dangers or risks associated with owning their product. So that's why it is wise for all manufacturers to properly inform their consumers of the potential dangers and risks associated with owning a particular product. Even if you are not the manufacturer, and simple sell someone else's product, you could still be liable for bodily injury damages.

Completed Operations:

The second part of this important coverage is called Completed Operations Coverage. If you install or repair products such as a heating system, you could be negligent should damage be caused by your work after your work is completed. Let's say that you installed a new furnace in a restaurant, and later that day fire ensues. The fire marshal determines the cause of the fire to be from the product literature that was left inside the furnace that just happened to catch on fire, further melting a plastic cover causing black smoke to spread throughout the premises. The business had to close until repairs and cleanup could be completed. A substantial amount of money was lost due to the business being closed and the cleanup was in the thousands of dollars.
Both of the situations cited above would be covered under a Commercial General Liability Policy if your policy includes Products and Completed Operations Coverage. Not sure if you're commercial package includes this very important coverage?

Let FIRM Solutions help you make the right decision when it comes to your business venture. Call 1-888-471-FIRM (3476) 760-471-1312 or info@firmsolutions.net. 

Solutions for all your insurance needs

F I R M Solutions is in the business of offering risk management and safety to business professionals, so they can carry on with their day to day operations without concern. F I R M Solutions can help business professionals provide their services without the worries of a malpractice lawsuits.  Today's society mandates the need for liability insurance for all professionals in business. Malpractice suits are at an all time high. Customers ask if important coverages are in place prior to doing business with independent professionals. Having a good broker to provide you with liability coverage options is a necessity for business professionals today, F I R M Solutions takes that responsibility seriously.

F I R M Solutions offers professionals peace of mind. As a consumer you wouldn't think of going to a doctor or dentist that didn't have malpractice insurance, have you ever asked your doctor or dentist for a certificate of insurance prior to a procedure? However, at home if you want your trees trimmed one of the first things you ask for is if they have insurance. Odd but true, professional liability is often affiliated with medicine, dentistry, accounting, and even real estate. But there is a long list of businesses that require errors and omissions or professional liability. F I R M Solutions offers security for all professionals to perform their jobs without worries of making a mistake.  All business professionals need the assurance to do their jobs, without having to consider whether or not they will be sued.

F I R M Solutions will help you choose the right type of coverage and search for the very best price. Not every business or professional needs the same level of coverage. FIRM Solutions is tasked with the responsibility to know which coverage certain professional require. We keep a constant eye on the different professions and continue to search for improvements to the each policy in order to best protect our clients.

F I R M Solutions is available to help you make the right choice. 1-888-471-FIRM (3476) 1-760-471-1312 or info@firmsolutions.net.

Workers Compensation Basics

Employers need workers compensation insurance. It's required in every state but Texas, and covers your employees' medical expenses and lost wages if they're hurt on the job.

Workers comp is a compromise: Benefits are paid regardless of who is to blame for the accident or injury. This "no-fault" status is key to workers comp — the employer does not admit liability for the injury or illness, and the employee recoups workers comp benefits without having to sue. There's no room for horseplay, drunken stumbling, or illegal drugs, though — if any of those lead to an injury, workers comp insurance won't pay. The same goes for self-inflicted injuries, and for injuries incurred while a worker is off the job, committing a crime, or violating company policy.

California mandates how much coverage the employer must buy, and what percentage of the employee's salary you'll pay if he or she misses work due to a work-related injury.

Just to make things more confusing, not all states require all employees to be covered under workers comp insurance: Frequently excluded workers include business owners, independent contractors, domestic employees in private homes, farm workers, maritime workers, railroad employees, and unpaid volunteers.

Because requirements are clearly defined by each state, workers comp insurance packages themselves are fairly standardized, with little variation among different companies' basic policies. Basic workers comp coverage includes medical treatment, rehabilitation costs, and lost-wage replacement, covering up to two-thirds of an employee's regular salary while he or she is out of work. Most workers comp policies also include liability coverage, which kicks in if a worker's family sues you for damages stemming from a workers comp claim.

That’s why it’s important to have a broker who is willing to take the time to understand your business. Take the time to find the right company by maximizing available credits and discounts. Talking to underwriters and making sure proper loss control is in place. Let FIRM Solutions help you with your workers compensation insurance needs. Give us a call at 1-888-471-FIRM (3476) - 1-760-471-1312 or info@firmsolutions.net

Dishonesty Bonds

Employee theft is a reality! Seven out of ten employees steal from their employers at one time or another. Chances are, some of your employees are stealing from you. 75% of all employees steal at least once - Wall Street Journal. OUCH !

Employee theft cannot be eliminated. The best you can hope for is to control it through good management techniques. Ultimately, your best defense is to have protection. That's what a dishonesty bond will do for you.

Some of my new business clients who are starting out in a slow economy opt for bonding as positive way to marketing their new business to potential customers. Being able to say your bonded may put you one step above the competition, which is what's its all about.

Dishonesty bonds protect you and your customers form losses suffered through theft by your employees. Dishonesty bonds are very inexpensive and FIRM Solutions can usually have a bond issued within 24 hours. Give us a call 1-888-471 FIRM (3476) or info@firmsolutions.net

 

Hired Auto and Non Owner Coverage

In business there are several ways to provide Liability coverage for non-owned vehicles, depending on individual needs. These coverages are sometimes referred to as Hired Auto insurance and Non-Owned Auto insurance.

Non-Owned Autos Coverage

Certain non-owned vehicles are covered by the commercial auto policy. For instance, if your vehicle is out of service due to a breakdown, then a temporary substitute vehicle is automatically covered in most circumstances. You also can purchase a collection of separate insurance coverages, including Employers' Non-Ownership insurance and Hired Auto insurance that can be purchased.

Employers' Non-Ownership Coverage

Employers' Non-Ownership insurance provides liability protection when an employee occasionally has to drive his or her personally owned vehicle for business purposes. This assumes that the vehicle is not owned, registered or contracted in your business name or on it's behalf.

Hired Auto Coverage

Hired Auto Insurance provides liability protection when you are driving a vehicle that you, or your business, do not own or that is not registered to you. If you rent a vehicle for a less than 30 days, Hired Auto insurance will protect the rented vehicle.

Who Needs Coverage for Non-Owned Autos?

If you ever drive vehicles that you do not own for your business, then you should choose one of the Non-Owned Auto insurance coverages.

• Employers' Non-Ownership insurance protects your business when employees drive their own vehicles for a business purpose.
• Hired Auto insurance protects you in other situations when you drive a vehicle you don't own.

It's important to anticipate your business vehicle usage in advance. Experience shows that last minute repairs or accidents catch businesses off guard and adding needed coverage after an event is impossible. A good agent will spend adequate time on this during the quoting process.

Price is a major concern with commercial auto policies, but so is exposure to the risk of operating them. Don't get caught short during a loss, make sure you have the coverage your business needs within the environment you operate routinely.

Commercial Insurance Products and Completed Operatons Coverage

Products liability may be included in the basic general liability coverage form, or be written on its own. It protects insured against exposure to lawsuits by people who may have been injured or suffered other losses because of their product. It provides coverage for the policyholder against claims stemming from products sold, manufactured or distributed.

Completed operations protects you from bodily injury or property damage claims that occur after the completion of a job, project or resulting from the negligence of the work performed. For example, if a contractor were to build a deck, and fail to secure the railing property, and someone were to lean on the railing and suffer bodily injury, the completed operations portion of the general liability policy would come into play. It is important to note however, that this does not cover the faulty work itself, just the resulting bodily injury and or property damage.

FOR IMMEDIATE QUOTES CALL 888-471-FIRM (3476) - 760-471-1312 or Info@Firmsolutions.net

YOUR AUTO INSURANCE AND SMALL BUSINESS EXPERTS SINCE 1992

IMMEDIATE QUOTES CALL 888-471-FIRM (3476)

WE ARE AVAILABLE EVENINGS, WEEKENDS AND HOLIDAYS info@firmsolutions.net

 

What is FIRM Solutions? Financial Insurance Risk Management, We find solutions for all your Auto, Business, Life, Health and Personal Insurance needs.

Specializing in Auto insurance for clients with International licenses. No license, Suspended or Youthful Drivers. We have good programs for you with the largest A rated insurance companies. 

Small and Home Based Business, Commercial General Liability, Workers Comp, Medical Office, Professional Liability – E & O and Gargagekeepers coverage experts.

Mobile detailers program, FIRM Solutions has the best program available. Check out the Mobile Detailers catagory listed on the right side for more information.

We work with the home based businesse or self-employed individual, who in order to compete in today's aggressive business environment must maintain comprehensive insurance packages, but cannot afford to spend the entire bottom line just to get their foot in the door. This is what we do best!

Let FIRM Solutions, LLC, help you manage your risk by providing you with the coverage you need, at the best price. We write with the industries top rated carriers and through our excellent reputation have earned preferred underwriting status giving us the extra support necessary to make sure you the customer get what you need.

California State insurance license Numbers 0B07388 0G00824