3 Business Income Coverages Most People Miss…

Name: Alta Vista Insurance Agency
Address: 2585 Pio Pico Dr Suite 100, Carlsbad, CA, 92008
Telephone: 888-724-2124

Posted on April 13, 2018January 12, 2021 by admin

The end of the year is a good time to review your business insurance policies, especially business income coverage. The following additional endorsements are often overlooked:

1. Coverage for restoration period

It is common to underestimate the time it will take for a company to return back to normal operations after a loss. Cleanup and debris removal can take much longer than anticipated. Building codes, permits and inspections all add many months to the process. Two years of business interruption insurance is generally needed. Make sure to review the dollar limits in your policy.

2. Increased monthly limits for peak months

Be sure your Business Income amount is adequate for your business type. If your business is seasonal, the peak months need adequate limits. Review coverage and limits often

3. Transit coverage

Most businesses rely on fully insured carriers, like UPS or FedEx for shipping customer goods. These carriers generally use a release bill of lading for most shipments. If the shipper damages or loses your items, your coverage may be limited to as little as $100, and you may have no further recourse. If you ship large quantities and values consider a blanket transit policy.

California Home Insurance

Posted on April 12, 2018January 12, 2021 by admin

Alta Vista Insurance – Your source for California home insurance.

At Alta Vista Insurance, we believe you should be able to create a customized policy for home insurance. California home insurance is a specialty of our knowledgeable agents.

If you own your home, you may not be required to hold home insurance but if you have a mortgage, your lending institution will most likely require home insurance. California home insurance policies include many options, so Alta Vista Insurance is committed to easing the selection process for you.

A basic California home insurance policy will cover the following:

The structure of your home
Replacement costs
Personal possessions (up to a set limit)
Living expenses in case of a disaster
Liability

You can purchase supplemental homeowners insurance including:

Valuable Articles/Floater policies (i.e. Jewelry Insurance)
Flood policies
Earthquake policies
Umbrella policies (additional liability)
Animal Liability (liability issues due to household pets)

At Alta Vista Insurance, we understand that choosing the most suitable California home insurancecan be overwhelming. Don’t stress out -our friendly agents are always on call to advise you.

Give us a call with any questions you have regarding California home insurance.

What’s Under the Umbrella?

Posted on April 6, 2018January 12, 2021 by Seth Arruda

What’s Under the Umbrella? ☂

Of course, you don’t need to insure your umbrella.

But umbrella insurance will provide another protective layer over your personal assets. Not only that, it may even cover some things that car and homeowners insurance policies don’t protect you against. If you’ve got a lot to lose, this kind of coverage may be the most affordable way to protect yourself.

1. Extra Liability Insurance
  Liability limits on typical home and auto policies are fairly modest when compared to the value of new homes and cars. Clients can purchase umbrella insurance in increments for the right amount of extra protection at the right price.

1. Legal Defense
  You have a legal right to defend yourself against claims of injury or loss, but lawyers are expensive. Not only will umbrella insurance help you pay claims, it can help pay for legal defense.

Extra Coverage
Some umbrella insurance policies can get modified to cover more unusual risks that are not typically mentioned in an ordinary policy like personal injury or wrongful eviction.

What You Need to Know

When considering an umbrella, it’s important to understand how much coverage you currently have. In order to qualify for an umbrella policy, your auto insurance liability limits need to be a minimum of $250,000 per individual/$500,000 per occurrence. If you own or rent a property, your premises liability needs to be $500,000.

Investment properties, watercrafts, recreational vehicles and even a structure like a pool are all additional exposures If you have assets like these you should consider purchasing a personal liability umbrella.

Your house, retirement fund, and other assets could be vulnerable to a liability claim.

Get a Quote!

Have You Got Holes In Your Pockets?

Posted on March 27, 2018January 12, 2021 by Seth Arruda

How much money have you walked by in the last twenty years?

To answer that question, Brian Hershburg took on an unusual experiment: he spent 20 years saving each coin he found on the street.

The result?

$971.65 in coins and paper currency amassed in peripheral batches. (full article here)

Considering his method of passively saving, one might be convinced of the profitability of setting money aside, even just a very, very little at a time.

To further emphasize this, in 2014, TSA reported a forgotten coin count of $675,000, and in 2016, Coventa Holding Corp estimated that Americans accidentally dispose of $62 million in change.

These stories relate ONE striking takeaway: accumulation can be powerful.

If you don’t feel like scouting the avenues for spare change, there are other clever way to save poco a poco.

For example:

Automate your savings.
Find an independent insurance agency. They do not have loyalty to a single company and can find you the best insurance options for you. Find out why you want an independent insurance agency, like us (hey oh!), in this article by Dave Ramsey’s team.
Plan your meals BEFORE going to the grocery store. (Putting this one into effect in my own life to avoid overestimating my need for Oreos and onions)
Pack your lunch — buying a $7.50 lunch just twice a week costs you an unnecessary $800 a year.
Take full advantage of your company’s 401k match program. It is free money, folks!
Start investing in a ROTH IRA today for tax-free retirement
Opt for the matinee instead of the Friday night movie.
Pay for everything in cash. Save the change and fill a jar with all the coins you get back.

Are holes in your pockets costing you the chance to pursue opportunity and prepare for your future? Let us patch one hole in your pocket.

Alta Vista Insurance Agency helps people like you succeed in your favorite pursuits by providing you with the best valued insurance policies, tailored directly to your needs.

Take heed of the positive power of accumulation. Let us help you find where we could save you cash and coin today.

Call or email us now! 1-888-724-2124; sales@altavistainsurance.com

Raymond Lowder

Posted on September 27, 2017January 12, 2021 by admin

Book an Appointment with Raymond Lowder

Read Articles by Raymond Lowder

Call Raymond at 1-888-724-2124 x 103

Email Raymond

I am Raymond Lowder a personal lines agent at Alta Vista Insurance Agency specializing in property insurance. I was born in Germany, but raised in San Diego. Growing up I played football and baseball and I enjoy staying active playing in a local recreational flag football league. I attended high school at Cathedral Catholic and am a recent graduate of Cal State San Marcos with a degree in Economics. I enjoy watching sports and am a fan of the Padres! In my free time when I’m not in the office or staying active, I like visiting the different microbreweries around San Diego and I enjoy watching The Walking Dead with family. I am also a Disney Annual Pass Holder so if I’m not around San Diego, maybe you’ll run into me at Disneyland!

Morgan Hege

Posted on September 27, 2017January 12, 2021 by admin

Call Morgan at 1-888-724-2124 x106
Email Morgan@AltaVistaInsurance.com
Schedule an Appointment with Morgan
Read Articles by Morgan

Retirement expert, Morgan Hege, works with retirees and pre-retires to educate them about retirement, protect their savings, grow their wealth, and have a fun and successful retirement, and eventually pass on their money to heirs efficiently as possible. He specializes in the fields of retirement income planning. He has helped hundreds of individuals retire successfully using his principals. He established his practice around a safe money philosophy with millions of dollars under management. His proprietary planning process, is driven by his personal philosophy adopted from his first boss, Warren Buffet who famously said, “There are two rules of investing. “Rule #1 – Don’t lose money. Rule #2 – Never forget Rule #1”. Morgan works strictly with retirees who have over $250,000 in investable assets.

Education & Achievements

Morgan graduated from the Biola University in La Mirada with a degree in Organizational Leadership. He is a licensed insurance professional and financial advisor with over 15 years of retirement planning experience. He is proud to educate and advise his clients in their retirement needs, and enjoys making it a fun process.

In The Media

Morgan hosts an internet radio show and video blog where he educates and entertains his audience as he interviews guests and discusses current events with the nation’s top industry professionals. Morgan provides useful tips, fun facts about money and saving for retirement. Send Morgan a question to have it answered live on the show!

Morgan is the author of “Retirement Roadmap: Using Ladders in Retirement to Hedge Against Inflation” which discusses strategies to guarantee income, reduce taxes, and maximize social security benefits in retirement.

Family Information

Morgan and his wife Rya have been married since 1999 and have three children: a daughter Charlotte, and two sons Robert and Anderson. The five of them enjoy spending time together as a family, taking family vacations, and supporting each other in numerous social, school, and sporting events.

George Francis, CPCU

Posted on September 27, 2017January 12, 2021 by admin

Family, business, travel, wine, golf and more family, these are my priorities and passion. I am a native Californian who grew up in Argentina, Venezuela, Chile, Brazil and Wyoming, an interesting background which is perhaps why I have a passion for travel. I have three daughters and three grandsons, each grandson with a different passion. One has baseball; one has horses and is looking forward to being in the Grand Prix; and one in soccer, perhaps to play for the Seattle Sounders. We have lots to look forward to.

After a twenty year career working for insurance companies and large brokerage operations Marge and I purchased Alta Vista Insurance Agency, in Vista, CA, in 1989, and love the small community atmosphere. Our business is all over the West, but Vista is home and very comfortable. Being a newbie twenty years ago I joined the Kiwanis Club of Vista to get to know the community and become involved. Twenty years later I’m still involved and love to be of service to our communities and our children and enjoy the wonderful fellowship of this worldwide organization.

My passion for wine has allowed me to build a great relationship with wineries and vineyards in California. This is a growing part of our business and one that is leading us into the other western states. I love to taste/drink wine and have found the people in this industry to be wonderful to work with and have as friends. When work is fun it really is not work.

Read Articles By George

Schedule An Appointment with George

California Business Insurance

Posted on September 4, 2017January 12, 2021 by admin

Make sure your company is properly covered with California business insurance – Team with Alta Vista Insurance today!

As a business owner or executive, you are faced with risk factors on a regular basis. Having a robust business insurance plan in tact will greatly diminish your chances of suffering from major loss. The knowledgeable agents at Alta Vista Insurance will help you assess your potential risks and then build a California business insurance program. While we are located in Vista, CA we are able to serve all of your insurance needs throughout SoCal and California.

State regulations will determine basic Orange County and San Diego business insurancerequirements. Among the commonly required policies are workers compensation, unemployment, and disability insurance. But these may not be enough. Business insurance packages can include any of the following coverages:

Business Owners Policies (BOP)
Worker’s Compensation
General Liability
Errors & Omissions
Commercial Auto
Commercial Property
Group Benefits
Professional Liability

Companies come in all variations of shape and size, so Alta Vista Insurance makes a point to personalize each San Diego business insurance policy we write. There are many coverage lines to consider when developing your California business insurance package, and that can become overwhelming – we understand that. Our agents will work with you to establish a policy that is tailored to your specialized commercial insurance requirements.

Give us a call today at 877.410.9099 for more information or to get started on your California business insurance quote!

Vista California San Diego Auto Insurance

Posted on September 4, 2017January 12, 2021 by admin

Get the most out of your California auto insurance policy with Alta Vista Insurance.

State laws require all drivers to obtain automobile insurance before registering their vehicle. In California, auto insurance laws are no different. This makes auto insurance one of the most commonly sought lines of insurance.

At Alta Vista Insurance, we understand that you may not want to spend a great deal of time purchasing a California auto insurance policy. You can get the ball rolling quick and easy by filling out the free quote form on this page. You also have the option of speaking with one of our knowledgeable agents for a more personalized experience.

We offer the following California car insurance options:

Bodily Injury Liability – covers injuries to others caused by the policyholder while operating an automobile.
Medical or Personal Injury Protection – covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.
Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.
Collision – insures the policyholder from loss during a collision with another vehicle or object.
Comprehensive – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
Uninsured Motorist Coverage – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver.

Other coverage can be added for specific vehicle needs like: antique automobiles, classic cars, high performance cars, and more.

Alta Vista Insurance wants to help you find a cost-effective, comprehensive California auto insurance policy. As an independent insurance broker, we can browse our list of insurance partners to determine a plan that best fits your lifestyle – this is a perk the chain insurance companies cannot offer you. When you work with Alta Vista Insurance, you are a click away from low cost California car insurance.

Call our office today to find out how you can save on your California auto insurance policy.

Builder’s Risk

Posted on September 4, 2017January 12, 2021 by admin

There is a window of time – when the ground is broken on a new construction project – when liability falls squarely on the shoulders of the general contractor. If a crane falls, a worker is injured, or the work is faulty, it’s the responsibility of the GC to provide compensation.

The good news is that this liability ends when the project is completed. In fact, the GC is only responsible for any liability if negligence is found to be the culprit.

At Alta Vista Insurance, we can provide you with comprehensive and affordable builders risk insurance coverage. It can be customized to cover a host of tools, equipment, and skilled employees in addition to the actual structure being built.