Commercial Property Insurance  

If you own a building that you use for commercial purposes then you need commercial building insurance because unless you have the proper insurance for the building, you may be open to a lot of disasters from which you may not be able to recover totally. Accidents happen and when they do you want to be protected at least financially so that you can spring back on your feet and move on with your life and your work. Having building insurance would mean that you can still recover from an accident and replace the building and restart the work that you were doing for a living. Damage to any commercial property can be costly because when an accident occurs there seem to be more issues than just damage to structure of the building. There may be safety challenges and also losses due to you not being able to run your regular business for quite a few days or even months. With commercial building insurance you can overcome a lot of these problems.

First Knight Insurance has been specializing in Small Business, Commercial, and General Liability Insurance for more than 15 years. We understand the specific requirements and the needs of today’s business owners and well acquainted with the hazards of being underinsured or the dangers of being not insured. Also, you may consider our rates and services even if you are currently insured. Our experience shows that we save an average of 20% to our business clients by offering them state of the art coverage. Call us at 818-762-7600 or email info@fkins.com   

First, when beginning to look for business insurance, you need to remember it is different from your personal insurance you have now. You need to take some time and look at the different types of coverage that is available to your business. These types include general liability insurance, property insurance, casualty insurance, and commercial vehicle insurance. You don’t need to be an expert on business insurance, but you need to understand that property insurance protects the location, while liability protects against a claim against you or the business.

What you need to understand:

1. What risks your particular business may be exposed to and what the future may look like as your business grows.

2. Have a business plan and detailed description in place for your insurance professional to understand your business in order to make sure to cover as much exposure as possible.

3. Once you settle on and buy a business insurance package, don’t file it and forget it. It is important to review it often and make you keep adequate coverage as your business grows.

Don’t be afraid to call us and speak to one of our insurance professionals. We are here for you and guarantee our highest approach to your insurance needs. 

First Knight Insurance Services
5816 Lankershim Blvd Suite A
North Hollywood CA 91601
818-762-7600
818-762-1700

Many Purposes for Life Insurance

Life insurance is far more than just a decision of how much to buy. Depending on your financial situation, life insurance can be used for a variety of purposes, such as estate planning, accumulating cash, transferring wealth, achieving estate tax liquidity. Life insurance is like auto insurance in that you can buy a lot of it or not very much of it. Life insurance differs from auto insurance in that, depending on the type of policy you buy, you can pay a lot or a little for basically the same death benefit. Keep in mind, though, that the younger and healthier you are, the less you will pay for coverage. Life insurers like to have their policyholders around for a long, long time.

So how much life insurance do you need? It depends. One common benchmark says your death benefit should be about six to eight times your annual earnings, but there are a variety of factors to consider such as other income sources, the size of your family, whether your spouse works and the number of people who are financially dependent on you in addition to any special needs such as mortgages and college education funds. Whatever type of policy you buy, make sure it provides enough of a death benefit to meet your family’s needs if you aren’t there. Don’t lose sight of this number.

Do you know which type of policy is best for you? I can say that there are more than 2,000 companies selling life insurance in the United States. As a result, you have thousands and thousands of options. This makes it even more imperative that you have a trained insurance professional analyze your financial situation and determine what kind of policy, from which insurer, is best for you.

Call First Knight Insurance to get a professional consultation  818-762-7600 or check our website www.fkins.com.

MISTAKE #1: Ignoring The Risks You Face! Conduct a risk analysis on your business! Most Restaurant Owners NEVER do this!

MISTAKE #2: Not using an independent insurance agent. You need Independent Insurance Broker who’s going to work for you! Not someone whose paycheck is tied to one insurance company.

MISTAKE #3: Don’t trust the financial protection of your business to an insurance agent who is not a specialist with Restaurant Owners! Just because your wife’s cousin sells insurance, doesn’t mean he’s the guy to trust the financial health of your business to! You want a professional broker that has studied the business and can protect it from a possible crisis or catastrophe. You also want to save money on your insurance, don’t you?

Call First Knight Insurance today to see what it will cost to insure your business. Our office number: 818-762-7600.

http://www.fkins.com/

A new study done in California shows that almost 1 in every 4 residents lacks health insurance. It is a bold reminder that a significant portion of our population, even in a highly industrialized state, is going without what most consider a basic necessity. The Center for Health Policy Research at UCLA released the findings of a 2009 study that shows over 8 million Californians under the age of 65 are without health insurance, one of the highest rates in the country. The double whammy of a bad economy and continuing layoffs as well as the high price of individual policies has contributed to this alarming figure. Being unemployed, or even underemployed, leaves our citizens with very few options and many are hoping that the current health care reform will be worthy.