F I R M Solutions, LLC

Small Business Insurance

Small business owners are a unique breed, resilient and despite the economic uncertainty that surrounds us all we continue to remain entrepreneurial. In order to keep up with today’s ever changing market place my small business clients are changing their business plans or aggressively changing directions to keep the doors open. Why is this important? As you change your business plan or model, you change your exposure to losses and change your level of risk.

This does not always mean buying some new fancy endorsement or increasing coverage. Thus increasing your insurance premiums. What it does mean is that by staying in touch with your agent, as you change, we can actually keep up with those changes. All too often I get a phone call from prospective clients that are shopping for new insurance package for their business. It’s all about the price, in the beginning. By the time the first conversation is over I usually hear things like no one has ever asked me that. But on my end I have a full understanding of what they do, the company history and more importantly where they are going in the next year and the next five years.

At  F I R M Solutions we stay in touch with our small business clients, and not just at renewal. Maintaining an open dialogue with all our clients helps us make sure that our clients are always covered properly, all the time. I accept that responsibility as part of my job. On the other hand I expect my clients to keep me informed when they want to make changes to their business. It’s a true partnership and it works for both of us.

Is your teen ready for the road?

Big, boring and slow. That's the formula for teenage drivers, according to the Insurance Institute for Highway Safety, a nonprofit that analyzes auto safety and driving issues."The vehicle choice for teens is especially crucial because of their higher risk of getting into a crash," said Russ Rader, the institute's spokesman.
The highway safety institute agreed with many of the findings of Consumer Reports, which this week issued its list of the best cars for teen drivers and emphasized how important the electronic stability control safety feature is for young and new drivers. Such systems sense when a vehicle begins to slide in a turn and applies the brakes to one or more of the auto's wheels to keep the car on course. According to the highway safety institute, electronic stability control reduces the risk of fatal single-vehicle crashes by 50% and fatal multiple vehicle crashes by 19%. Moreover, it slashes the potential for fatal vehicle rollover accidents in cars and SUVs by at least 72%.

Consumer Reports and the institute both said teen drivers need vehicles with as many safety features as possible, including antilock brakes and curtain air bags. Teens' cars also should have good crash-test results.You can look up the institute's vehicle safety ratings at http://www.iihs.org/ratings. Consumer Reports' recommendations for teen cars are available at http://www.consumerreports.org.

The crash risk is four times as high for 16- to 19-year-olds as for older drivers, per mile driven, according to the institute. At age 16, the crash rate is double what it is for 18- to 19-year-olds.

A small, lightweight car is not a good vehicle for a teen driver, Rader said.

Consumer Reports is more lenient and has some small cars, including the Hyundai Elantra and the Mazda 3, among its recommendations. The magazine suggests that teens drive late-model or new vehicles, which are more likely to have safety features and less likely to break down. Its recommendations for larger vehicles include the Acura TSX, Honda Accord, Kia Optima, Toyota Prius and Volkswagen Jetta. Travers acknowledged that some of these might be outside of a family's budget for teen transportation and recommended used conservative sedans with as many safety features as possible.

Both organizations suggest that parents should avoid SUVs and pickup trucks because of their high center of gravity and added rollover risk. They recommend staying away from performance and sports cars. "The main issue with teens in general is that they overestimate their skills and underestimate their risks. Teens have a penchant for taking risks behind the wheel. They are more likely to speed, more likely to tailgate and they are less likely to wear their seatbelts," Rader said.

Remember that we offer several discounts to youthful drivers. After completing some basic requirements our auto insurance rates for newly rated teen drivers are lower than all the major carries. We offer as much as 55% off standard rates. So good information, common sense and a good agent can help keep our teens safe on the road.

1-888-471-3476 - 1-760-471-1312 - info@firmsolutions.net for your quote now!

The Best Way to Make a Payment

If you need to make a payment, yesterday,  here are a few solutions for you. Paying online is the fastest way to get your payment in the system. Call our office for website information and address 1-760-471-1312. However, if for some reason you're unable to get online or successfully complete the transactions , there are still ways to get your payment applied as soon as possible.

Paying by credit card is the fastest way to get a payment applied. If you are unable to reach us by phone and talk to us in person here’s how to get that information to us:

   1) Email – email us your name, policy number or ez pay account number along with your credit card number, exp. date, the three digit number on the back of your card along with your zip where you receive your credit card bill at,  to Phil@firmsolutions.net I will apply your payment as soon as I get in front of a computer.

   2) Fax – if you're uncomfortable emailing that information then fax the same information to 760-471-1371. The only disadvantage to that option is that I will not be able to apply the payment until I actually get back in the office.

   3) Leave a message on our voice mail! You won’t believe how many times I hear clients tell me that they are unable to get a hold of me or that they have been calling forever. The only problem is they never left a single message. If you leave a message I will call you back.

   4) Call 1-800-327-6377 and make your payment.

If you don’t have your policy number or monthly pay account number or just don’t know it, that’s OK. Though it is much easier if you do, just tell us your full name, address and which car or property you want to pay on. We are pretty good at finding you in the system and most likely know who you are. We can usually help you.

We want to help you and customer service is very important to us. If you need to make a payment and we are out of the office don’t worry we can still get it done for you.

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

Personal Liability Umbrella

Stop for a moment to reflect on everything you’ve worked hard for in your life, your home, your car, your family’s security and retirement. You may even have a recreational vehicle or a boat for the family getaways. In addition, if your’re reading this, you probably asking yourself do I have adequate Auto, Home and Life insurance coverage.

So chances are, you’ll never have to worry about exposure to large liability losses, but what if…?

In today’s society, no one is exempt from large liability losses. Let’s face it: you live in California, people are growing more willing to sue every day. The bottom line is, it can happen to you. Do you own a dog? Do you have a swimming pool? Two big exposures for the homeowner. If something does happen, having an umbrella policy can offer some real relief during a very difficult time.

Umbrella policies are a separate liability policy that provides additional protection over and above the personal liability coverage on a person’s automobile policy, homeowner’s policy or other basic first dollar personal liability policy. It provides additional protection in two ways.

First, it extends the liability limits of all covered underlying policy limits or sub-limits, vertically, by at least an additional one million dollars and up to a maximum of five million dollars.

Secondly, the umbrella extends the liability coverage horizontally, to encompass certain coverage “gaps” left by exclusions on the basic underlying policies (e.g., libel, slander or defamation of character).

In addition, the umbrella provides liability protection for covered events that occur anywhere in the world:

· ownership, maintenance or use of their personal auto.

· ownership, maintenance or use of their personal home.

· personal activities (e.g., sports).

· Indirect or vicarious responsibilities for the acts of others (e.g., children or pets).

The Personal Umbrella is an economical way for everyone to protect their present and future financial security against large catastrophic losses.

The Umbrella policy can provide customers with the “peace of mind” that comes with knowing they have extra liability coverage if needed. A few examples:

· Secondary or seasonal homeowners, families with youthful drivers (a clean driving record is required)

· Boat owners

· Frequent travelers outside the USA.

· Homeowners with swimming pools, hot tubs, swing sets or trampolines in their yards.

· Owners of rental or income property.

Umbrella offers great peace of mind and are very easy to get started. The average cost of a million dollar umbrella is around $200 a year. It just makes good sense to have one. Call me 1-888-471-FIRM (3476) 1-760-471-1312 or email your questions at info@firmsolutions.net