by GDI Insurance | Auto Insurance, GDI Insurance, Insurance, Personal
Cheap Auto Insurance in California
Well this one’s going to be kind of a fun page for me. It takes me back 37 years ago. This page is on shopping for low, even cheap auto insurance rates.
I created a report for GDI Insurance Agency, Inc. to use on just a few keep points to keep in mind when shopping for cheap auto insurance rates. They can be a big deal.
I have seen people pay 4 times what they have to for the right coverage, just because they don’t know how to shop for cheap auto insurance and they rely on infomercials to make their buying decisions.
As an example, if you have a family you likely have or are about to have teenage driver, right? I am asked all the time how do I get the best auto rates for young drivers. “What do I do with my teen driver, and how do I insure them without breaking the bank or getting bad coverage?”
Here is the Insurance Insiders Answer
(Grant is an insider because Grant Davis has been selling insurance for 37 years now!)
The thing is it is very easy to get the right coverage and cheap car insurance with or without young drivers. But it’s not easy if you don’t know what to do, or you rely on infomercials that really only offer one companies quote, or the new guys that offer lots of quotes from high risk insurance companies. That’s just expensive! An example I use a lot is It is kind of like having a really good contractor. I watch him build something, its clean, straight and just wonderfully art like.
I on the other hand can’t even built a dog house that’s not tilted. So who do you want to build your room addition? Here is the difference. The contractor knows what he is doing, and he does it perfectly because he knows how to do it, and he’s been doing it for a long time.
I’ve been doing insurance for 37 years. I won’t go so far as to say I am perfect. But I do know my way around rates and policies pretty well as does my staff. We really can help.
Here is the first real key to getting cheap auto insurance rates. It really comes down to this. You have to go with an insurance broker that’s large enough to have more than one or two insurance companies to choose from. GDI Insurance Agency, Inc. gets you quotes from 46 insurance companies by putting your info into a computer in about 5 minutes or less. Here is the kicker. If you want to go with one of those companies, we just hit a few more key strokes and its done. You don’t have to call another company and start over like the “we will give you our quote and 7 other quotes” people make you do.
Call GDI Insurance Agency, 888-991-2929, let us know you want to get an auto insurance quote. Give us your information on your car and dmv info, (we will look up your record for you).
That’s all you have to do. You’re done. Just give us a few minutes to crunch the numbers and get the best rates you can imagine.
GDI Insurance Agency, Inc. will help you make sure you have good liability insurance, because if you hit somebody you want to have enough liability insurance to take care of them. If you want your car covered we will have good comprehensive, fire, theft, vandalism, good collision, in case someone runs into you or you run into them, and you will want uninsured motorists, if someone hits you without insurance we’re worth to have a little limited insurance.
Next year when it comes time to renew your insurance that all might change again, what do you do next year?
Well I’ll tell you what we do. We hit a little button, we’re so automated we tap this little button on your account screen which connects your account directly right back to the same rating system we started with. In about 30 seconds we rerate your whole account, it’s all there, and now we got the 46 quotes updated for this year for you! You could always stay with the same company, matter of fact most of the time we recommend if it’s just a little bit of a difference you just stay with the same company.
But here’s the deal, you could do what you want, because if you decide to change companies we hit another button, and you just change companies, that’s all there is to it.
On our end it’s a little bit more than that, but from your end of the deal it’s no more complicated than just saying go with the less expensive company!
How nice would it be if once a year your insurance broker, GDI called you up and said, “Hey, we just checked your rates and there is one that’s $67 or $670 a year less expensive”, you might say to us, “You know lets change companies. Or let’s stay where we are”. Either way it’s up to you. We just promise to always give you the best coverage and rates we can find!
Really, just call GDI Insurance Agency, Inc. and let us doing the shopping for you. How long would it take you just to get a list of 46 competitive companies? Let alone get quotes from them all and sort out all the coverages.
GDI Insurance Agency, Inc. will do it for you quick and painlessly.. 1-888-991-2929
by Grant Davis | Business Insurance, GDI Insurance, Insurance
Grant Davis with GDI Insurance Agency, Inc. here.
You’re Thinking of Starting a New Business and That’s Great.
One of the troubles is of starting a new business, of course, is you have to buy business insurance. You have to get general liability insurance. If you’re going to have employees, you need workers comp insurance. As well as an employee handbook and employment practice liability insurance.
If your new business will have cars you need commercial vehicle insurance. If you have equipment or tools you will need to insure those as well. If you have a business, like an office, or if you have a warehouse, you will have to insure all of that also. There’s one more thing you have to do.
You’ve to be in compliance with government regulations, which means, if you’re going to have employees, you are going to have to have a safety program and it’s going to have to be OSHA compliant.
How about this for a deal? What if GDI Insurance Agency, Inc. packaged it all together for you?
What if GDI Insurance Agency, Inc. gave you an HR program with access to a real attorney you can call and ask questions to help you do your employee manual? What if we also gave you a wellness plan, GDI helped you with your employee benefits, GDI gave you OSHA compliance and safety programs, GDI Insurance Agency, Inc. helped you with all of that. We will also give you your 300 logs that you have to keep in case there’s an accident or an incident.
GDI will give you a fleet safety program, so if people are driving around your vehicles, they know how to be safe.
If GDI Insurance Agency, Inc. does all of that for you for free and helped you get our basic insurance policies together, we can get your insurance policies in most cases for less than you would pay just for your employee manual.
We can do all of that for you. We’re automated, we’ll just give it to you. It’ll drip right to you, you take it, it’s in a Word document. You got an attorney to call to help you finish it up and you’re in business, and you’re in compliance and in business, and you don’t have to worry about somebody taking everything from you, because you’ve got the right insurance and you’re in compliance, you’re doing things the right way. We’re here to help you, just call us at 888-991-2929,
A very simple phone call, very simple to get everything you need to start a business and to get your business insurance and all the other compliance issues you need all at one stop. You don’t have to pay for all of this stuff, we have it for you for free. Just call us and let us help you with your insurance and we’ll give it all to you. Thank you very much. Grant Davis.
That’s right all your compliance issues given to you with insurance for less than you likely would pay just for a great HR system! All you have to do is call GDI at 888-991-2929 and one of our brokers will help you get started!
by Grant Davis | Home Owners, Insurance, Personal
Are You Responsible For Business Employees At Your Home?
Many business and home owners assume that the employees of others are covered by workers compensation and that the workers compensation coverage protects them (the business/home owner) from liability should some else’s employee be injured.
This assumption is NOT correct!
Although California, like most states, has what is called an “exclusive remedy” rule which mandates that Workers’ Compensation benefits are the exclusive remedy for employees who are injured on the job, this liability protection does not automatically extend to third parties (i.e. business and home owners).
A Third Party Action Over claim occurs when an injured employee pursues damages from a third party (other than his/her employer). Examples are provided below to show how a home owner (Example 1) and a business owner (Example 2) can be impacted by a third party action over claim.
Example 1: A home owner hires an air conditioning repair person (an employee of the Air Conditioning Repair company) to fix a broken thermostat. The repair person injuries his/herself while in the home by tripping over a child’s toy. The repair person collects from his/her employer’s workers’ compensation policy and files a civil action against the home owner for the same injury.
Example 2: An employee of a plumbing company is working on a jobsite along with a number of other contractors. A framer carrying lumber drops the lumber on the plumber while he is working and injures him. The plumber can collect from workers compensation and pursue civil action against the framer for the same injury.
*In the examples above, even if the employee does not pursue action against the third party, the workers compensation carrier for the employer may elect to subrogate against the third party for their negligence.
There are ways to reduce and/or eliminate one’s exposure to Third Party Action Over liability claims. One of the most common ways of doing so is through contractual risk transfer. Contractual risk transfer is the process of transferring a risk to another party by way of contact; in this case it is transferring the risk associated with a Third Party Action Over liability claim.
For a more detailed explanation of Third Party Action Over liability or Contractual Risk Transfer, please contact GDI Insurance Agency 1-888-991-2929.
Matthew Davis MBA, AAI
by Grant Davis | Business Insurance, Employment Practices Liablity, Insurance
Why Do I Need Employment Practice Liability Insurance Policy?
Sorry every once in awhile I will write about an
unhappy stressful topic.
Warning!!! This is an upsetting blog about true
things that just shouldn’t be!
EPLI or Employment Practice Liability Insurance is one of those “let’s not talk about it, and hope it goes away topics”!
As a business owner, we all strive to hire qualified employees to work for us. Unfortunately, as you are well aware, not every hiring decision goes as planned. Even if an employee is a good employee and does a great job, or has to be terminated for a legitimate reason such as poor attendance or unsatisfactory work habits every termination opens the door for potential lawsuits. The funny or not so funny thing such as in the example I am sharing with you the terminated “bad employee” wasn’t the one that brought the suit. It was the “good hard working employee”! This is exactly “Why do I need Employment Practice Liability Insurance” question gets asked.
Many times it is employment practice liability insurance (EPLI) that stands between you, and some things that just shouldn’t be. After almost 4 decades of working with business owners, and owning a business myself I can tell you how sometimes it is actual the ones you care the most about that you need help and protection from. So you and your organization can be saved from costly, frivolous lawsuits
To make my point check this story out! Unbelievable!
When, a business owner, received a complaint that a sales manager (male employee) made crude, disparaging remarks to a female employee during a trade show, the claim was taken very seriously. An investigation was conducted. During the course of the investigation, the owner spoke with another employee (A good hard working “team member” employee) who witnessed the incident firsthand. According to this employee, the sales manager’s actions were offensive and harassing. Ultimately, after much deliberation, the owner fired the sales manager for his behavior. Even after consulting an Attorney specializing in HR issues during the investigation and before taking action. In other words everything was done right. But here is what happened next!
Weeks later, the (Good hard working team member employee) that witnessed the incident sued the owner for $500,000, claiming that after the incident, the owner had passed her up for promotion and assigned her a poor sales territories, all because she came forward with the details of what happened at the trade show. Although the lawsuit was groundless, the business owner racked up hefty legal bills defending against the allegation. Can you believe that? If not I can give you more examples of how ridiculous this can be.
Lawsuits like the one this business owner faced can come out of left field and are much more common than you’d think. In fact, three out of five employers will be sued by a prospective, current or former employee while they are in business. EPLI can help mitigate these risks by providing the necessary resources to defend your company against a lawsuit or pay a claim.
As costs for litigation and damage awards climb, experts predict that employment liability will only become more complex.
For more information visit GDI’s EPLI Page by clicking here: Fill out a few quick questions and we can get you a quote in a 1-2 days. We can go faster also, but as insurance brokers we represent many companies so always strive to get you the right coverage at the lowest costs. While some sites will offer instant quotes they offer those quotes from one company. Every client is different so matching you with the right company is how we help to keep your cost down.
Or just call your GDI Insurance Agency broker 888-991-2929 for more information and help today!
We will help you learn more about EPLI and discuss your employment-related risks.
PS. (Secret Free Gift Worth Thousands!) Just ask and we will give you a free employee manual with access to an HR attorney to help you fill in the blanks!
We also will set you up on your own company HR portal all for free with no obligation. GDI cares and wants to help. Yes we sell insurance and would love to handle yours.
But we don’t need to do that to help you with this issue. All you have to do is just ask. We will do more to help than you will believe for anyone that asks for our help!
“If you have employees, you will get sued.” Grant Davis..
by Matthew Davis MBA, CPCU, AAI | GDI Insurance, Human Resources
Does Your Agency Culture SUPPORT or
UNDERMINE Your Strategy?
I recently posted on Social Media one of the COOLEST and most AMAZING compliments our agency has had…
“Just had one of the greatest compliments to our staff and GDI as a whole!!!
A new client sincerely asked to meet with me to specifically discuss our hiring practices. Our team member was understandably nervous in relaying the message to me, especially since he was in the lobby waiting for me. He looked me in the eye and asked me how we go about hiring.
I asked him why (not knowing if was for a positive or negative reason for his request).
He said that he’s had nothing but great experience with everyone he’s met on our team and that he’d like to do some of what we’re doing as it pertains to hiring in his own business.”
It Has NOT Always Been This Great
I returned to our family’s agency after a 4-year hiatus in May of 2010. I remember vividly walking in about 2 months after my return with my head down and thinking that returning to the insurance industry (specifically the family agency) may well have been the worst career move I could have made. The reason for this thinking was due to the agency’s culture.
To get an idea of the agency culture at the time we need to look at the prior few years that led to the mid-2010 agency I walked in to – in the years leading up to the financial meltdown of 2007/2008 our agency was heavily weighted toward clients in and around the residential construction market. When I went down, so did our revenue and by mid-2010 the agency moral was tapped out and many of the team were on the verge of burnout.
The moral was so bad that I (the owner’s son at the time) didn’t even want to go to work – so how was I supposed to expect our team to be excited about it?
The FIX
I’d love to say that it was by the stroke of intelligence, business savvy, or some other innate quality of mine that we turned our moral (and agency as a whole) around, but honestly it wasn’t my doing.
We started off by having a revolving door of employees for a period of time which luckily led to some really beneficial hires. With these new hires putting their faith in our management we began the arduous task of identifying the “target” for our hiring.
We made the initial mistake of taking too much time filtering and not enough time meeting candidates, once we flipped that over and started meeting them we found the foundation for our winning process.
FIT & ATTITUDE
We then look for qualities and abilities that are aligned with the position we’re looking to fill. And the most important two are ALWAYS: (1) Will they fit with our organization based on their attitude/personality, and (2) are the WILLING to learn?
The BEST Strategy will fall flat without supportive Agency Culture
Our staff now does more than they ever have and routinely surpass the plans we as ownership put forth and base our agency goals upon.
Now that our Agency Culture is aligned with our Strategy, we’re in a winning mode!
I am thankful for our stellar team and am excited to see where we can go from here.
Matthew Davis, MBA, CPCU, AAI
