Vaught Wright & Bond
P.O. Box 1328
533 Main Street
Placerville, California 95667
Phone: 530-622-1835
Toll-Free: 800-652-0168
Email Us
CA Lic. #00448556

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Policy Services

Auto Insurance For Every California Driver

bigstock Rear Side View Of A Sport Car 52399831 300x186 - Auto Insurance For Every California DriverIt seems like you can’t get through a TV show or read a magazine without seeing an auto insurance ad. Big insurance companies spend billions to get your business. But are they really giving you the best coverage designed specifically for California drivers?

Here are a few Placerville auto insurance myths we have seen, that you need to know about:

Myth – Buying on line is better. Would you go to a web page to diagnose your illness and then select from a drop down list for your treatment? That is what on-line insurance buying is like. Call an independent agent so we can help design the right combination on coverage and price. We have access to multiple markets, not just one. Cheap Placerville auto insurance seems great until you have a loss.

Myth – Bright colored cars cost more to insure. Wrong. Premiums are based on the type of vehicle you have, it’s value, where you live and other factors.

Myth – One ticket or accident will cause my company to cancel my insurance.  Most insurance companies do not penalize you this way. They are more concerned with patterns of driving.

Myth – Older drivers pay more. This is not true. Many of our companies give discounts to older drivers.

Myth – The TV commercial said it was covered.  All claims are subject to your individual policy terms and conditions. That is why an independent agent is important. We can provide information about what is covered and what is not.

Myth – If I get hit by someone else, the other party will pay. That is true if they have insurance. Even though many states have mandatory auto insurance requirements, almost one fifth of all drivers don’t’ have insurance. And if you don’t have the right coverage you will not be covered.

At Vaught Wright & Bond, our Personal Lines specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

Our home office is in Placerville, California,  El Dorado County, but we insure customers across California, Oregon, and Nevada. We are your source for Allied Insurance, Hartford, Grange Insurance, Blue Cross, Nationwide, Blue Shield, Travelers Insurance, State Fund and dozens more!

Summer Fun Means Summer Risk!

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With the summer months approaching, now would be a great time to review your homeowner’s and personal insurance program.  There is a large spike in auto accidents during June through August.  We offer a free review to assess your insurance needs, and we can recommend needed personal insurance coverage like a personal umbrella, cyber liability, and flood insurance.  Summer Risks Are Very Real.

Here are a few of the risks your family may face this summer:

  • Watercraft — Remember, your personal watercraft insurance does not cover racing. In addition, if your boat is over a certain length, you will need a separate boat policy.  Remember to have personal floatation devices for all people in the boat, and do not drink and drive your boat.  Venture beyond the geographic limits in the policy and the insurance may be nullified.
  • Travel — If you are planning a family vacation, make sure you keep your home safe while gone. Use timers on lights, cancel the mail and garbage, and do not post vacation pictures on social media while you are gone.
  • Swimming — Never leave a child unattended around water. If your child does not know how to swim, make sure they have a floatation device on at all times.
  • Bug Bites — If you are heading outdoors, be prepared for annoying critters. Use EPA-registered insect repellents* that contain at least 20% DEET (products include Cutter Backwoods and Off!  Deep Woods) for protection against mosquitoes, ticks, and other bugs.  Other repellents protect against mosquitoes, but may not be effective against ticks or other bugs.
  • Barbecuing — Never leave a barbeque unattended. Do not barbecue inside or in a garage.  If you receive a minor burn, hold the skin under cool running water for up to 15 minutes to reduce swelling or until the pain subsides.
  • Sunburns — Always use sunscreen, and if your skin is burned, mix one-part whole milk with one-part cool water and gently apply it into the affected areas with a washcloth.
  • Heat Stress — You may be having fun or working in the sun, but if it is hot, keep hydrated by drink plenty of water. Wear lightweight clothing and take breaks every hour or so.
  • Fire pits — Fire pits are becoming increasingly popular for outdoor entertaining. While some burn wood, others use propane or natural gas.  Keep kids at a safe distance and teach them that fire pits stay hot long after the flames go out.

Remember to always seek medical treatment if the injury warrants it. At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

 

Liability Risks For Dental Offices

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Dental offices and labs play an important role in our society. Having healthy teeth brings smiles to our faces. But the day to day operation of dental businesses can bring with it risks and liability.

Dental Risks Can Include:

  • Injury to patients
  • Property losses
  • Dental equipment
  • Needle-sticks
  • Improper device
  • Improper procedure

In order to reduce these risks, Vaught Wright & Bond offers specific insurance for dental offices and labs. We customize your insurance to fit your needs. The insurance provided includes:

  • General Liability Insurance
  • Property Insurance
  • Business Owner’s Policy (BOP)
  • Professional Liability Insurance
  • Workers’ Compensation Insurance
  • Umbrella Insurance
  • Cyber Liability

Professional liability insurance is one of the most important coverages you should consider. In the policy we can include Vicarious Liability, Improper Treatment, Errors in Treatment, Defendant’s Reimbursement, Employment Practices Liability, and Contractual Liability including HMOs, PPOs and IPAs. You may also want to add Completed Products coverage to your General Liability Insurance policy, since your dental lab is in the business of creating products (orthodontic appliances, dentures, ceramics, etc.).

Our program for Dental Office and Dental Labs is one of the most comprehensive, yet competitively priced available. Coverage is available for general liability, professional liability, your equipment and property, employment liability, and data breach. This is only a partial list, and we know that each business is different. Your Dental office or laboratory Insurance policies will be issued through a leader in the insurance industry today.

We have the tools and knowledge to help tailor a program to fit your specific needs. Give us a call and one of our licensed insurance professionals will get you started. Much like your practice, it is quite painless. 800-652-0168

Think Again Before You Start Your Next Remolding Project

bigstock Do It Yourselfer 45244675 300x199 - Think Again Before You Start Your Next Remolding ProjectMany people are planning a home remodeling project for the spring or summer.  These projects may include a new backyard, kitchen or addition for the expanding family. Whatever the project, you need to protect yourself from the financial risks and hazards associated with a home remodel project.

If you are planning on hiring a contractor or construction company to help you with your project, keep these tips in mind. Following these guidelines will help reduce your risk and increase your chances for a successful, and hopefully stress-free, project.

  1. Before you hire a contractor ask for references. The Better Business Bureau is a good place to start.
  2. Know what you want and have a specific list of products, including the brands. For example, if you want a furnace, be specific about the type and brand. There are many brands; some good and some not so good.
  3. Always have a written contract with a competition date.
  4. Go visit other homes on which the contractor has worked.
  5. Some contractors may ask for100% of the payment upfront. Never do this. A small (10% to 15% upfront is normal)

Bonus Tip: Make sure the contractor is insured. Ask for a certificate of insurance for general liability and workers compensation.

Homeowner’s Insurance

If you are increasing the value of your home as a result of the remodel, you will need to make adjustments in your homeowner’s insurance limits. Your homeowner’s insurance will not cover the contractor or his work. If the contractor causes damage to your home, you will want their insurance to provide restoration.

When was the last time you reviewed your personal insurance coverage? The New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

 

Even Small Businesses Commercial Liability Insurance Coverage

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To protect a small business from potential lawsuits, liability insurance is necessary. Policies vary greatly, and they cover different classifications of risks for varying costs. Before shopping for a policy, it is important to educate yourself about liability insurance.

Business Liability Insurance Is Available in Many Different Forms

Commercial General Liability, which is also called CGL, is a very broad insurance product. It covers claims from accidents, injuries, or negligence when the business is at fault.  Small businesses may face a wide array of damage charges. Personal injuries, property damage, libel, and slander are just a few examples.

Product Liability insurance covers legal fees for litigation involving a faulty product.  It also covers any personal or property damage charges caused by the defective product.

Professional Liability coverage pays for damages caused by services.  It is also called “errors and omissions” coverage.  This is for companies that market a service instead of a product. For example, professionals in medical clinics must have medical malpractice coverage.

An Employment Practice Liability Insurance policy offers insurance protection against claims and lawsuits that are brought against a business, its officers or directors, or its employees and managers, against harassment, wrongful termination, breach of employment contract, discrimination, invasion of privacy, compensation issues, and employee benefits administration.

There are other types of insurance designed for specialty businesses.  The nature of the business determines what type of coverage is necessary.

At Vaught Wright & Bond our Commercial Lines specialists not only tailor a policy to fit your business’ needs, but also work diligently with you to avoid unnecessary costs and exposures.

We are prepared to help you manage all your business risks. At Vaught Wright & Bond our Commercial Lines specialists not only tailor a policy to fit your business’ needs, but also work diligently with you to avoid unnecessary costs and exposures.

What Keeps You Up At Night?

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What Keeps You Up At Night?

Every California business has risks, and Business insurance can respond to many accidents, injuries and claims. But commercial insurance does not cover every risk you may have. The good news is that we have real solutions for your business risks. A short call to us may just help you get a good night’s sleep knowing your business is better protected.

Business Risks

Cyber Risk- Cyber Liability continues to be a major issue for many businesses. Is Cyber Liability part of your Business Insurance Program? In today’s data-driven social media world, businesses of all sizes have had a cyber-attack or data breach. Statistics show that 40% of all cyber incidents affect businesses with fewer than 100 employees. With the recent Target breach, many individuals and businesses are considering cyber or identity theft insurance.

Employee Injuries– If one of your employees gets injured on the job, the medical bills and time loss could be significant. Workers’ Compensation Insurance can provide real solutions for your company.

Ownership Changes or Death of Key Staff– If your business does not have key man life insurance, you may have serious problems if an owner of other key person dies.

Environmental Liability- Your business insurance does not cover any claims for pollution or environmental related accidents.

For many businesses, the most expensive costs after a damaging event are business interruption costs. We review all areas of exposure from existing business and personal obligations, to the unfortunate extra expenses that are your reality after a major event.

At Vaught Wright & Bond our Commercial Lines specialists not only tailor a policy to fit your business’ needs, but also work diligently with you to avoid unnecessary costs and exposures.

We are prepared to help you manage all your business risks. At Vaught Wright & Bond our Commercial Lines specialists not only tailor a policy to fit your business’ needs, but also work diligently with you to avoid unnecessary costs and exposures.

 

 

Are Rideshare Drivers Covered By Their Auto Insurance?

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If you drive your personally owned auto for Uber, Lyft, or even a pizza delivery company, your personal auto insurance will not provide coverage you need, should you be involved in an accident.  Uber and Lyft are “rideshare” services that compete with taxis and more traditional car transport services. These companies do not own or operate their cars and do not hire their drivers directly. Drivers are independent contractors who drive their own vehicles to pick up and drop off customers. Here are two big coverage gaps:

  • Your personal auto insurance policy excludes liability for hauling others for a fee.
  • These rideshare companies also require liability limits above the state minimums.

There are a number of insurance companies now offering specific auto insurance coverage for ridesharing risks.

Here are a few tips for rideshare drivers.

  1. Purchase a separate policy with at least a $1,000,000 limit.
  2. Read any, and all, agreements so you know what your responsibilities are.
  3. Keep your vehicle in good working condition.

We can design a policy for you to help you minimize the high cost of insurance. We recommend auto liability and physical damage coverage. Whatever you do, do not go without auto insurance as that can create many more problems for you.

Many people don’t fully understand what their auto insurance policy covers and excludes. To avoid making costly assumptions, it pays to know what’s included in your policy. We are here to help answer all your insurance questions.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

 

Workers Compensation Insurance

bigstock Insurance Shield 5708845 300x225 - Workers Compensation InsuranceNorthern California Workers’ compensation fraud is becoming a major issue for employers and impacting costs for everyone. Experts estimate that workers’ comp fraud costs billions of dollars every year. The national crime bureau estimates that 10% of workers’ comp claims are fraudulent. Placerville Workers compensation insurance is available for any size and type of business. As you may have seen, it can be difficult to qualify, so it is best to work with an experienced broker/agent to cut through the red tap

Workers Compensation Insurance

Workers’ compensation is an important part of your business insurance program. It is required by state law that your business has workers’ compensation insurance.

Employees — Workers’ compensation provides injured employees with medical treatment and time loss in the event of a serious injury.

Employers — Workers’ compensation provides employers with the security that insurance will be there to help treat and restore injured workers.

The Top Types Of Workers’ Comp Fraud

  1. Making a false claim. This is where the injury never actually occurred.
  2. Working another job while collecting work comp benefits. Some individuals may be on workers’ comp and have a second job.
  3. The exaggerated claim. An injured worker may have a legal claim but exaggerates the severity in order to collect more money.

What Can Employers Do To Reduce Workers’ Comp Fraud?

  • Investigate every claim.
  • Establish procedures for reporting accidents.
  • Educate your employees about workers’ compensation.
  • Offer a return to work program.
  • Stay in contact with employees for the duration of the time off.
  • Maintain a safety program with active employee involvement.
  • Have a designated workers’ compensation medical provider.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

Avoid Unnecessary Costs On Your California Business Insurance Renewal

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Business Insurance Renewal

Your business insurance should be an important part of your overall risk management program. It is important to have the best possible insurance coverage, competitive pricing and the right insurer. We have found a number of factors that could be important to manage when renewing your business insurance program. Give one of our professional a call today, we can help you find the best possible combination of coverage, price and service.

Business Insurance

A business insurance program should generally include commercial property, auto liability, professional liability commercial general liability, employment practices liability, workers’ compensation, flood insurance, and excess or umbrella liability.

Insurance Renewal Tips

  • Provide complete information about your operation to your agent and insurer.
  • Consider increasing your deductibles to save money.
  • Use an independent agent like us. We are equipped and prepared to provide you with the best combination of coverage, price, and service.
  • Let us market your program to a number of different insurers.
  • Combine your business property, auto, and liability with one insurer into a package or business owners package. You will receive package additional premium discounts.
  • Develop a safety program.
  • Provide safety incentives for having no losses over time.
  • Follow all OSHA regulations.

Putting a little extra effort into your next business insurance renewal can offer many rewards that include better coverage and lower premiums. We hope you and your team will join us on this risk and insurance journey, and in the end know that there is a better way to buy commercial insurance and have true peace of mind.

We are prepared to help you manage all your business risks. At Vaught Wright & Bond our Commercial Lines specialists not only tailor a policy to fit your business’ needs, but also work diligently with you to avoid unnecessary costs and exposures.

 

A New Year May Mean You Need An Insurance Review

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A California Insurance Update

If the last time you had an insurance review was when the 49ers won a super bowl, it is time to have us review your business and personal insurance. Our team is ready to help you understand how your insurance needs have changed over time.

Here are a few examples of how life changes may impact your insurance.

  • How often do you travel out of the country?
  • Do you have any domestic employees?
  • Has there been any changes in marital status?
  • Are you involved in any nonprofit organizations?
  • Do you own a business and operate from your home?
  • Do you own a second home?
  • Do you drive for Uber?
  • Do you own any unique collections of art, wine, cars, or guns?
  • Are there any children in college?

Your insurance needs to change with your life. We offer a broad range of personal insurance products that are designed to meet your individual needs. We can help you find am insurance product that suits your individual needs. Don’t wait for another second to ensure your home is adequately insured. Call us today for more info on your options for personal insurance coverage.

At Vaught Wright & Bond, our Personal Insurance specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.