Collector Car Insurance, Valuable Property Coverage, and the Business Owners Package Policy

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.


Accessing a Variety of Insurance Carriers For The Benefit of the Insurance Customer

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.