Archive for the ‘Commercial Insurance’ Category

Listen to KFYI or KGME and you will hear Frank Capparelle Sr talk about the great benefits of having AnCap Insurance be your agent.  KFYI is AM 550 in Phoenix, AZ. KGME is AM 910 in Phoenix, AZ. KGME also has streaming and you can hear the ads online! Of course if you can’t wait to hear our great advertisements, go to the home page and you can hear them right now!!

Have you started a small business that you run from your living room?  Maybe you are a photographer, or pet groomer. What about cosmetic sales? Do you know what coverages are needed even for the small picture framing business? Most homeowners companies will not cover a loss for the business materials that you have on site for your small business. Some insurance companies might even drop your policy all together if they knew about the taxidermy company that you are running. There are some options for your company that can be affordable, depending on the business you have decided to start.

 What do I need??

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Earthquakes not covered by basic homeowner’s insurance

When Arizonans felt the effects of the magnitude 7.2 earthquake that hit Baja California, Mexico on Easter Sunday, there were reports of swaying buildings, rattled walls, and sloshing pool waters. but no major damage.

“Historically, the Valley of the Sun has not had any measurable earthquakes since 1875,” explains Frank Capparelle, Sr., Founder, President, and CEO of AnCap Insurance.  “Flagstaff is built along some fault lines but there has not been any significant activity in the area that caused damage since 1912.”

Basic homeowners’ insurance policies do NOT cover damage from earthquakes.  Thirty-nine states have experienced earthquakes since 1900, and about 90% of Americans live in areas considered seismically active. Yet only a small percentage of people purchase earthquake insurance, which is an addendum to a homeowner’s insurance policy.

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Congratulations to our Facebook winners

Happy Mother’s Day to all mothers today – you have more than earned a special day to honor all of your unselfish dedication to your children and family.

And, congratulations to our Facebook “Insure Happiness for Mom” contest winners: Christopher, Stephanie, Emily, Melissa, and Valerie.  Bouquets of fresh flowers creatively arranged by our friends at Phoenix Flower Shops have been delivered to the mothers of your choice and we hope the ladies enjoy their beauty for days to come.

After all of the celebrating of the day is passed, you might want to consider one more gift for all of the mothers in your life.  The gift of peace of mind.

Insure Peace of Mind for Mom, too

Work, accomplishments and worry ranked high on a poll taken of mothers’ daily stressors.  Why not help lighten that load by giving her peace of mind that the insurance coverage is a right fit for her family’s specific needs. 

We would be happy to review your family’s insurance policies to determine if your coverage provides complete peace of mind for you at the most competitive price.  Just give us a call at 602-943-2586.

Have you checked your auto insurance coverage lately to see what your liability coverage is?

Many people still have 1980′s coverage 

Too many people are still maintaining 100/300/50 (dollar) liability limits which were excellent levels back in the 1980’s.  To review, $100,000 is the limit per person for bodily injury coverage; $300,000 is the total amount for bodily injury coverage (for everyone); and $50,000 is the coverage for property damage.

While rental car companies consider this to be the minimum amount of coverage required, and states have even lower requirements, in today’s dollars you are taking considerable risks every time you drive.

If you were to be involved in an auto accident involving three or four cars, or if one or two individuals were seriously injured, 100/300/50 liability coverage would probably NOT be sufficient enough to cover the costs of the claims.  Which means, you would then be hit with the bills which could run into the tens or hundreds of thousands of dollars.

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Worried about being abducted by aliens? Or getting hit by an asteroid? Or losing your voice?

Sometimes life can be stranger than fiction, especially when it comes to insurance policies.  Among the odd policies:

$20k eyes to $1 million legs

• Mostly celebrities are inclined to insure notable body parts. Ben Turpin insured his crossed eyes in 1920. Had his eyes been uncrossed, he would have received $20,000.

• Betty Grable insured her legs for $1 million in 1940 while Dolly Parton’s famous theme-park inspiring 42” breasts are insured for $600,000.

• Rock and pop music stars Bruce Springsteen and Rod Stewart have insured their voices.

• Jimmy Durante took out an insurance policy on his nose for $50,000.

• Lloyd’s of London insured the smile of America Ferrera, star of the hit television show Ugly Betty, for $10 million.

• The London insurance firm also insured Rolling Stones guitarist Keith Richards’ fingers and Marlene Dietrich’s legs – and, according to one history book, actress Bette Davis once insured her waistline against expansion.

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Even before St. Patrick’s Day has arrived, we’re hearing sad news about people who drank too much, turning festive celebrations into tragedies.

Sunday’s horrific accident during Montreal’s St. Patrick’s Day parade reminds us that fatalities can occur whether or not the intoxicated person is behind the wheel of a car.

In this case, a 20-year-old man jumped on a float during the parade and when he jumped off, he was pinned underneath.

Police confirmed that alcohol was a factor is his death.

Did you know you could be liable?

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