Western Gold Insurance Agency Inc provide clients the peace of mind that comes with knowing they are receiving the best in professional experience and expertise. As independent insurance agents with over 35 years of industry experience, Western Gold professionals know what it takes to connect their clients with the carriers, and to policies, that will serve their needs best, protecting the things that are most dear to them
Independent agents control their insurance accounts and records, including renewals on policies they have sold. If the agent ceases to sell for a particular insurance company, the agent still has rights with his active accounts, and may place them with another insurer. Independent agents are in competition with exclusive agents who work for and are salaried by one insurance company. The independent agent, with his or her access to multiple insurance markets and products, has a competitive advantage in selling commercial lines of insurance. Trade organizations such as the Independent Insurance Agents & Brokers of America and the National Association of Professional Insurance Agents, support and assist the independent agent, such as those at the Golden West Insurance Agency Inc.
Using an agent to assist you in your insurance purchase, has distinct advantages. The agent is a legal representative for you with the insurance company. Licensed by the state in which you bought the insurance, the western gold Insurance Agency Inc. agent has the fiduciary responsibility to advocate for you, putting your interests first. Even though your agent may be paid by an insurance company, his duty is to put your interests first. An independent agent can quickly check prices and coverage options with an incredible number of different carriers. The independent agent can, thusly, get you a better deal than you can get for yourself, even from the direct option you have considered using for yourself. The independent agent sells a variety of coverages, from auto insurance to homeowners, renters, health and life, business insurance, etc. At no extra cost, the independent agent can assist you in handling all your insurance coverage needs in one place.
As an added plus to an employer’s health benefits package, Group Dental Insurance can be added as an option, or in the event dental is not available at work, individual dental insurance can be accessed. When families do not have dental insurance, the high cost of even routine annual exams stands in the way of ensuring the family has healthy teeth and gums. Western Gold Insurance Agency Inc. can discuss the option of a freedom-of-choice dental plan, wherein the holder can choose any dentist for care. With waiting periods for some types of dental work, this plan is more desirable for long term coverage. For those who need more constant dental coverage, conventional dental plans may be a more viable option. The Western Gold Insurance Agency Inc. agent can confer with clients as to what option will work best for them.
Employees of companies which offer Group Dental benefit from constantly available coverage. Increasingly however, employers offer dental coverage as a voluntary option the employee pays for through deductions from his or her compensation. Group Dental plans often offer a number of free cleanings and exams per year, and partial coverage for different types of dental work. Some employers may have a buy-up plan, wherein the employer has purchased a base dental coverage plan, and the employee may choose and customize a dental plan which best suits his and his family’s needs. Golden West Insurance Agency Inc. has access to various dental plans, to suit the needs of the employer, the employee and the individual family and its needs.
Of the various specialized types of insurance coverages which may be needed or are available, the client may have a special need for Collector Car Insurance, which is very different from regular auto use policy coverages both in cost and in details. Coverage is increased and money can be saved by acquiring a specific type of coverage for the collector car, which encompasses antique vehicles and exotic vehicles like muscle cars and sports cars. Owners of collector cars regard their autos as rare and unique, and specific coverages are available to protect this unique investment. Agents at Western Gold Insurance Agency Inc. are well-informed on the specific needs in collector car coverage, and can create a coverage contract which meets the individual needs of the car owner.
Valuable Property coverage may include protection from loss of jewelry, cameras, sports equipment, fine art such as paintings and sculptures, and valuable computer systems. Other items which may require replacement insurance include rare books, coins, firearms, memorabilia, rugs, silverware, stamps, to name a few.
BOP, or a Business Owners Package policy, provides insurance protection for small businesses. These types of policies can be difficult to navigate, as they are intricate and varied. Building, contents and liability are basic components of such policies, covering the operation of the business at specific locations named, and liability protection for products and services of the business. Western Gold Insurance Agency Inc. agents will ensure that extra expense protection and protection of business income from loss are included.
An independent agent can access a variety of insurance carriers, and he or she evaluates each carrier’s rates, coverage options, special services and efficiency of claims service. The client can make his or her final coverage selections knowing that the choice comes from complete research into a variety of options and services, from a variety of possible insurance companies, associated with Western Gold Insurance Company Inc.
An incomplete list of the insurance coverage companies which Western Gold Insurance Agency Inc. has business ties with and long term business relationships includes Travelers, Hartford, AIG, Safeco, Allied, ACE, AmericanTrust, Cigna, Blue Cross Blue Shield, Chubb, Commerce, Employers, Fireman’s Fund, First American, Foremost, Hagerty, Lexington, Liberty Mutual, Mercury, Pacific Specialty, Progressive, Seneca, Zurich, and Navigators.
Western Gold Insurance Agency Inc. feels that car insurance coverage is comprised of two distinct parts: the liability, or financial responsibility of the client in the case of an injury to others, and the client’s needs for coverage for the vehicle itself. Comprehensive coverage will pay on claims for fire, theft or other losses, while collision will cover accident costs.
Supplemental to these integral coverages, are medical, rental or other types of insurance coverage which may be mandated by the laws of individual states such as California, Arizona, Nevada and Washington, where Western Gold Insurance Agency Inc. does business. Agents at Western Gold Insurance Agency Inc. may also recommend a policy with a higher deductible to help reduce premiums, and may advise the client regarding adequate coverage for auto liability in the case the client also utilizes umbrella insurance.
Many factors that determine the policy rates include the kind of work your company undertakes, total payroll expenses and grow receipts. This is why our professional insurance experts provide you the information and insight you need to make the best decision possible when it comes to purchasing a type of liability insurance for your company, whether that coverage amount to one, two or three million dollars.
The level of liability insurance you select will serve to protect you and your company during claims from a number of sources, including liability incurred from accidents, contractual liability, manufactured products and more. Their agents provide companies and contractors a variety of competitively priced general liability insurance options, those that help to safeguard both company owners and operators from claims that can come from nearly anybody and from anywhere.
When purchasing a general liability plan, much like an auto plan, you will be required to first make a down payment, and to follow up with installment payments. Our insurance agents understand the necessity of liability insurance, particularly as a way to provide insurance to every company employee so as to protect the company from significant financial liability well into the future. Businesses and general contractors typically find it difficult to operate efficiently and effectively without some form of general liability insurance.
The general liability insurance options available through Western Gold Insurance Agency Inc professionals know, determines the cost of the plan. This is based on a formula percentage, one that is designed to get each customer the most service for the least possible cost. The company focuses on customer service and satisfaction over profit margins.
Western Gold Insurance Agency, Inc. is associated with Core Business Consulting. Core analyzes payroll service needs, workman comp, group medical and employee benefits. Core works directly with Western Gold to implement their analysis of each business owner’s best situation. Core Business consulting works closely with C.P.A. referral for better business solutions.
Our insurance experts seek to provide the best worker’s compensation and business insurance policies available on the market today. Our expert is able to provide competitively-priced worker’s compensation policies from a variety of reputable insurance carriers, affording business owners like yourself the opportunity to select the plan that saves you the most money possible. Our expert provides employers the option to compare worker’s compensation coverage quotes from multiple insurance carriers, helping businesses receive the best rate and save as much money as possible.
Find out how much money your business can save on worker’s compensation insurance. With something so essential to the protection of an employer, it’s important to know that you, the business owner, are benefiting from a worker’s compensation insurance solution that is saving you as much money as possible. For most employers, worker’s compensation insurance is required by law, as the business must carry the coverage needed to provide compensation to employees for medical bills and lost wages incurred as a result of on-the-job injuries.
Worker’s Compensation insurance, for better or worse, is a must-have for any business operation, and is generally the biggest part of insurance expense for any business. Our certified professionals strive to provide solutions that work best for the individual business owner, and work tirelessly to find these solutions for every client.
As an independent insurance firm, Western Gold Insurance Agency Inc has independent agent that can help you find out more. They have an experienced team and a comprehensive service that is renowned for their customer satisfaction and getting the job done right.