How often should contractors review their marine insurance policies?

Annually, or whenever there are significant changes in their operations or asset values.

What is the best way to reduce premiums for marine insurance?

Implementing stringent safety measures and opting for higher deductibles can help reduce premiums.

Are you looking for ways to reduce your own health care costs?

Following the steps below can ultimately lower the costs for health care services and help you stretch your health care dollars: Stay on schedule with regular health screenings and follow physician recommendations. By getting the health screenings that are recommended for your age and gender at the appropriate times, many medical issues can be identified and cared for in the early stages when the cost is the lowest. Putting off these screenings will only worsen and prolong the problem. If you have ongoing health concerns, follow your physician's recommendations to help keep these issues from worsening unnecessarily. Match the need with the appropriate level of service. If a condition is life-threatening, call 911 or go to the emergency room. If it is non-life threatening, take a moment to determine which course of action would be appropriate. For non-emergency situations, you can utilize home health care books, online medical websites, and nurse hotlines available through your health insurance provider for guidance on treatment. If medical attention is required, go to the doctor's office. If the situation is urgent but not life threatening, go to an urgent care facility rather than the emergency room. Research your options before purchasing health care services and prescriptions. If your doctor recommends a medical procedure, it is a good idea to seek a second opinion. You may be able to find a less expensive option that is more appropriate, or you may find that the original recommendation is not necessary at all. Keep accurate records of tests and procedures and provide this information to your doctor to prevent repeating a procedure that is not needed. In regards to prescriptions, if they are not needed, then don't fill them. Also, ask for generic/lowest-cost or over-the-counter alternatives, obtain pricing from several different pharmacies to get the best value, and utilize the 30-60-90 day refill plan if available. Ask for discounts and review costs of medical bills. Ask your provider if discounts are available if you pay in advance rather than waiting to be billed. If a bill is sent for a service, carefully review the Explanation of Benefits document to ensure the services being billed for were received. Only the amount that the insurance company indicates is owed should be paid. Live a healthy lifestyle. Prevention is the best medicine! The good news is you can prevent many health-related problems with exercise and a healthy diet. Research shows that individuals who suffer from obesity incur an average of $1,700 more per year in health care costs. In addition, smokers incur on average $1,600 more per year in medical expenses than nonsmokers.

What type of company is Leavitt Group?

Leavitt Group is the $ijRank largest privately held independent insurance brokerage in the U.S. according to the $ijYear issue of Insurance Journal Magazine and the largest family-owned and operated brokerage according to Reagan Consulting. In $ijYear, Leavitt Group has $offices+ locations in $states states, $$revenue million in consolidated revenue, and $$placedPremiums billion in placed premiums.

How much money does Leavitt Group make?

Leavitt Group generated $$revenue million in consolidated revenue in $ijYear.

What is Leavitt Group's revenue?

Leavitt Group's revenue was $$revenue million in $ijYear.

What types of insurance are essential for oil and gas operations?

Key insurance coverages for oil and gas businesses include property insurance, liability insurance, business interruption insurance, environmental insurance, oil well insurance, and machinery breakdown insurance.

How does the location of oil and gas operations affect insurance needs?

The location, such as offshore or politically unstable regions, can increase the risk, impacting coverage requirements and premiums due to factors like natural disaster susceptibility and population proximity.

What factors influence insurance premiums in the oil and gas sector?

Premiums are affected by the size and scale of operations, nature of activities (e.g., offshore drilling), and a company’s safety record and risk management practices.

How can oil and gas companies reduce their insurance costs?

Companies can lower costs through effective risk management, such as implementing safety protocols, regular equipment maintenance, and thorough employee training.

What is the process for filing an insurance claim in the oil and gas industry?

The claims process generally includes notifying the provider, documenting the incident, undergoing assessment, and either receiving compensation or a denial with an explanation.

What are some common exclusions in oil and gas insurance policies?

Exclusions may include damages due to intentional acts, wear and tear, and risks related to war or nuclear hazards.

How can regulatory changes impact oil and gas insurance coverage?

Stricter environmental and safety regulations can necessitate additional coverages or adjustments in risk management, influencing insurance costs and coverage needs.

Why is risk management important?

Risk management is vital in helping you avoid risk and potential loss as much as possible. However, there are more benefits that you may not think of right away. When you take the time to reduce the size and number of your losses, you can positively impact the availability and affordability of insurance. In addition, by implementing risk management strategies, your business can protect against uncertainty, reduce costs, increase the likelihood of success, protect your public image, and protect people and employees from harm.

How Much Does Well Insurance Cost for Drilling Companies?

The cost of water well insurance is influenced by several commercial factors: Business Size and Annual Revenue: Larger companies with higher revenue typically face higher premiums. Employee Count: More employees can increase workers' compensation and liability insurance costs. Types of Equipment Used: Specialized, high-value drilling equipment may require additional coverage. Scope and Scale of Operations: Projects involving deeper wells, hazardous sites, or large-scale operations may result in higher premiums. Claims History: A history of frequent claims or high-risk incidents can raise insurance rates.

How do I get artisan liability insurance?

Contact your Leavitt Select Insurance Services insurance advisor to determine what your needs are. They will give you more details about specific coverages and deductibles and help you tailor an insurance plan that's right for you and your business.

What types of business insurance policies should an artisan contractor have?

Every insurance policy is different and should be tailored to your specific needs, but—in general—you want to ensure you’re protecting your employees, tools, equipment, autos, and business with the following coverages: General Liability Commercial Auto Commercial Umbrella Builders Risk Inland Marine Workers Compensation

Is business insurance required for artisan contractors?

Artisan liability insurance requirements vary by state. Some states or municipalities require general liability insurance for craftsmen to get a business license. Landlords may also require general liability insurance if you lease their space. Specific levels of coverage may also be required depending on the state where your business is located or the type of customer you’re serving.

Who needs artisan liability insurance?

If you work with your hands to build, repair, or install things—either in homes or businesses—artisan liability insurance might be right for you. This type of insurance is meant for people in skilled trades. You might not call yourself an “artisan,” but if your work focuses on one or two parts of a construction or repair project (like plumbing, carpentry, or electrical work), you probably fit the description. Here are some examples of professionals who typically need this coverage: Electricians Plumbers Carpenters and framers Painters Roofers HVAC technicians Drywall installers Masons and concrete workers Landscapers Pavers and excavators Even if you’re a subcontractor or a small independent contractor, if you provide hands-on work with tools, materials, or heavy equipment, artisan liability insurance is a smart (and often necessary) way to protect your livelihood.

What is artisan liability insurance?

Artisan liability insurance—also known as artisan contractor insurance or craftsmanship insurance—is a type of coverage made specifically for skilled tradespeople like electricians, plumbers, and carpenters. If you work with your hands, tools, and materials to build or repair things, this kind of insurance is designed to protect you. It helps cover common risks that come with the job, such as: Someone getting hurt on the job site Accidental damage to property Theft or loss of your tools and equipment Car accidents while driving for work

Personal Insurance
Central Valley, Elk Grove, Lodi, Minden, Santa Rosa, Sonora, St Helena, Visalia, Walnut Creek

Having the right personal insurance agent can help give you peace of mind knowing you have the right coverage for the risks at a competitive price.

(800) 549-4242 · Call
Call

Email Us

Office Locations

Request a Quote

Request Quote or Contact Us

Call: (800) 549-4242

First and Last Name *

Email Address *

City and State *

Phone *

Can we send you text / SMS messages? *

By selecting 'Yes' you consent to receive conversational text / SMS messages from Leavitt United Insurance Services. Reply STOP to opt-out, reply HELP for support. Message and data rates apply. Messaging frequency may vary. Privacy policy

Question or Comment *

County

Please note: coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.

What You Need to Know About Personal Insurance

What is personal insurance?

With a personal insurance policy in California, you can protect your and your family’s health, your personal belongings, and even your activities. Individual insurance covers costs that could potentially cripple your financial health.

Some policies, like car and homeowners insurance, are required by law or third parties. Even though the majority of personal insurance policies aren’t required, you should still consider maintaining them. Accidents happen, and you should protect yourself against their devastating financial effects.

What are the types of personal insurance?

There are hundreds of different types of personal insurance you can choose from depending on your needs and situation. However, there are some significant individual insurance policies everyone should know. These include:

Car Insurance— A great car insurance policy protects you and other drivers.

Earthquake Insurance— Impossible to predict, earthquakes can cause major damage to your personal property and home. It is a common assumption that homeowners insurance covers earthquakes and other natural disasters, but this isn’t always the case.

Flood Flood Insurance — Standard homeowners and renters insurance policies do not cover flooding! Since flooding can occur anywhere it rains, every homeowner should seriously consider purchasing a flood insurance policy.

Health Insurance— An individual health insurance policy can provide coverage for individuals, individuals and their spouses, or entire families.

Homeowner’s Insurance— Your house is not just a roof over your head. It is your family's home and holds those things you value and worked hard to acquire. It is also one of the biggest investments many of us make.

Life Insurance— It isn’t for you—it's for your family. Life insurance offers financial protection to your dependents in the event of your death.

Umbrella Insurance— This policy provides additional liability insurance that goes into effect when a claim exceeds your homeowners or car insurance policy’s limits.

So how do you know if your personal insurance policy is really going to do its job when you need it? How do you know you are getting the best value for your insurance dollar? This is where the experience and knowledge of an independent insurance agent in California comes in – having the right agent can help give you peace of mind knowing you have the right coverage for the risks you face at a competitive price.

How is Leavitt United Insurance Services one of the best-kept secrets?

Quite simply, as independent insurance agents, we can bring you more choice and unbiased advice. Our network of personal insurance agents is in your community and our agents value the kind of client relationship, service, and consultative approach that is often lost with direct online purchases.

We want our clients to have the same convenient ways to handle their insurance--whether it starts with a comparison quote online, a phone call, or a visit from one of our agents. We then add a critical step in the process: we consult with you to ensure the coverage, product, and insurance company is right for your needs.

The result is truly better insurance.

You work hard to protect your family and yourself. We can help. We’ll assess what your risks are and help you tailor the individual insurance policies you need.

We’d love to chat with you. Contact us today!

Other Products We Offer

Home & Condo Insurance