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Thursday, 27 February 2014

Fort McMurray Home Insurance—Why You Need a Property Inventory



Do you own your home? If you are here then we assume that you do. But here's the thing... is your home insured? If you do not currently have a Fort McMurray home insurance policy, we highly encourage you to visit Sharp Insurance and fill out a free quote today.

We have covered this topic a few times already. (You can find one of our earliest posts by clicking here.) If you own your home, an insurance policy is absolutely mandatory. Today, we would like to touch upon a component of home insurance policies that is often, unfortunately, overlooked by many people—a possession inventory.

The latter is, as the name entails, an inventory of your most precious possessions. In order to receive adequate coverage for your possessions should anything happen to them—be it as the result of a fire or a theft—you need to be able to prove how much they are worth, and that you are indeed the owner of those items.

A property inventory cannot be overlooked if you do not want to run into more trouble later down the road. In order to prove how much your items are worth, make sure to include receipts, instruction manuals and anything else that could potentially help you with your claim.

Some people also like to take photos of the items. This does not leave insurance companies much room to doubt the validity of your claim. Always be sure to store multiple copies of your property inventory outside of your house. If you have any questions regarding property inventories, please feel free to contact Sharp Insurance today.

Saturday, 22 February 2014

Grande Prairie Motorcycle Insurance—How to Prevent Motorcycle Theft



Do you own a motorcycle? Are you looking to buy one? If you do not have an insurance policy, visit Sharp Insurance and fill out a free Grande Prairie motorcycle insurance quote today.

Motorcycle theft is unfortunately far too common. It does not take much for yours to be stolen—a simple mistake and your motorcycle could be gone forever. At Sharp Insurance, we value our customers. This is why we have compiled a short list detailing how to prevent motorcycle theft. If you are a motorcycle driver, we encourage you to keep reading—even if only to refresh your memory.

Hide your bike. If thieves can't see your motorcycle, then they won't steal it. Simple as that. Never leave your bike unattended in potentially unsafe places. Choose your parking lots wisely and ensure that they are well guarded.

Cover your motorcycle. You might be surprised at how well this deters thieves.

Lock it up. Use your motorcycle's steering lock system, but also buy new ones. Don't hesitate to go wild in that regard—the more locks there are, the harder to steal your bike will become.

Chain it up. If you are in town and can't find a secured parking lot fast enough, then you might consider chaining your bike to a fixed object. Think lamp posts and rails.

Put an alarm on it. The louder, the better. Nothing scares thieves away like the sound of an alarm.

Finally, if you have not done so, get a motorcycle insurance policy. If anything happens to your motorcycle, you will at least be incredibly thankful for that.

Thursday, 20 February 2014

Medicine Hat Commercial Insurance—What is a Liability Commercial Insurance Policy?



If you have been following us for a while, you already know that we posted an article on Medicine Hat commercial insurance policies not long ago. In this article—which you can read here—we briefly touched upon a kind of insurance policy known as a liability commercial insurance policy. In today's article, we would like to go into more details about what this kind of insurance policy can entail.

What is it?

A commercial liability insurance policy, in its simplest definition, protects your business from financial loss in the event of a lawsuit against you.

What types of lawsuit does it protect you against?

Usually, a commercial liability insurance will cover your company against lawsuits related to property damage caused by employees, injuries to customers or employees on your company's property, and death. It also covers injuries caused by your employees outside of your premises.

How does it work?

It works just like any other type of insurance policy. If you are found liable, then your insurance company will cover the damage fees and the cost of your legal defence. However, keep in mind that the amount of money you will receive will depend on what kind of policy you have.

Why do you need it?
Lawsuits have been known to cause companies to go bankrupt on more than a few occasions. The damage a lawsuit has the potential to inflict upon your company is unimaginable. A liability insurance policy can help make the difference between a simple headache and a nightmare that could possibly shut down your business.

Where can you get an insurance quote?

If you live in Medicine Hat, Sharp Insurance offers free commercial insurance quotes.

Friday, 14 February 2014

Calgary Car Insurance—Why You Need a Car Insurance Policy


Having already tackled the subject of home insurance in a previous post, Sharp Insurance would like to today talk about the importance of having a Calgary car insurance policy.

As we all know, accidents happen. They happen to new drivers and they happen to good, experienced drivers as well—sometimes we just can't help it.  This bleak reality, however, does not seem so bleak anymore when you are covered by a car insurance policy. While an insurance policy does not prevent car accidents—or heals any injury that might result from them—it at least bring you comfort in knowing that you are financially covered should anything happen to your vehicle.

In an earlier post, Sharp Insurance compiled a few tips on how to prevent vehicle theft. (You can read the article here.) Vehicle theft is becoming more and more common in our society. When people think of a car insurance policy, they often associate it with accidents. But did you know that a car insurance policy also covers you in the event of a theft?

There are plenty of other reasons why you need an insurance policy. Think of vandalism, for one. It's not quite up to par with auto theft... but nobody likes having their car keyed.

A car insurance policy is—to put it simply—something that you can't afford not to have if you value your car. You do not know what might happen in the future. Losing your car could potentially land you in a terrible financial situation. So why risk it? Fill out a free car insurance quote today. (You might thank us in a few years.)

Tuesday, 11 February 2014

Calgary Commercial Insurance—The Three Main Commercial Insurance Policies



Are you a company owner? Then you probably already know that a Calgary commercial insurance policy is one of the most important investments you can make for your business. But are you aware of the different kinds of coverage it entails? Read on to know more about the different policies available.

Commercial property insurance generally covers the property on which a business is operating, from the actual building itself to the equipment and furniture the company owns. In the event of a disaster or a theft, an insurance policy is there to help the business recover and minimalize the damage that the loss of property has caused.

Lawsuits against businesses are common. As such, they should make sure that they are protected from legal action in the form of a commercial liability insurance policy. Legal actions, along with loss of property, are some of the most common causes of bankruptcy. Think about it—if someone gets hurt while on your company's property and you are uninsured, who will have to pay? That's right... you. With a commercial liability insurance policy, you are completely covered in that regard. If you are a small, expanding company, this policy is bound to save you more than one headache.

Finally, a company should always protect its employees. The Canadian law makes it illegal for registered companies to not have a workers' compensation policy, although keep in mind that this only applies if a company hires a certain number of employees. Workers' compensation provides benefits to employees who become ill or injured on the job.

Depending on what type of business you are operating, and what type of coverage you are looking for, Sharp Insurance is there to help you become aware of the different types of coverage available to you. Fill out a free insurance quote today and see what kind of insurance package would work best for you.

Friday, 7 February 2014

Red Deer High Risk Insurance—What is a High Risk Driver?



Accidents happen—whether you want it or not. Unfortunately, when it comes to insurances, accidents—no matter what kind—often end up following you for years to come. It does not matter if you suffered from bad luck a few times or if you only caused two or three small collisions last year. Once you've been labeled as a high risk driver, you will be denied coverage.

Sharp Insurance is different. We believe that people deserve a second chance—and we do everything in our power to grant one. If you are looking for a Red Deer high risk insurance policy, you have found the right company.

So what exactly constitutes a high risk driver? Insurance companies usually rate a driver's potential risk based on his or her driving record. Drivers labeled as high risk drivers are those which companies believe to be more prone to accidents. Tickets, collisions and violations of the law all appear on a person's driving record to later be examined by insurance companies.

It is logical, therefore, that high risk drivers would pay higher premiums. Fortunately, becoming a safe driver again—in the eyes of insurance companies—does not take as long as one would think. According to Traffic Ticket Solutions, insurance companies are only allowed to see the last three years of a person's driving record. As for demerit points, it takes two years for them to disappear.

Remember that driving is complex and could potentially endanger many lives. Be wise when it comes to driving, and before you know it your record will show no sign of you ever being a high risk driver. Until then, it might be a good idea for you to check out Sharp Insurance and fill out a free insurance quote today.

Tuesday, 4 February 2014

Medicine Hat Motorcycle Insurance—The Importance of Awareness to Prevent Motorcycle Accidents



Do you have a motorcycle? If you have not done so already, we encourage you to get a free Medicine Hat motorcycle insurance quote today. 

With the ever-increasing number of motorcycle accidents, the team over at Sharp Insurance cannot stress enough the importance of taking proper safety measures while riding a motorcycle. Frightening statistics about motorcycle accidents have been compiled in the last decade or so. Most of us are aware that motorcycle accidents are more prevalent than automobile accidents—but do we know just how much more prevalent they are? According to this Globe and Mail article, motorcycle riders are 15% more likely to be involved in an accident than car drivers. 

Sharp Insurance believes that awareness is the best way to prevent accidents. If you are a motorcycle driver, we hope that you are already aware of these statistics. Knowing what to expect on the road and how to properly react in certain situations can dramatically increase your survival chance. While the word "survival" might sound scary at first, nothing is more dangerous than riding a motorcycle completely unaware of the risks it entails. Ignorance is never be bliss when it comes to motorcycles. 

Begin by educating yourself on certain types of accidents before learning how to avoid them. For instance, did you know that statistics have shown the common type of motorcycle accidents to be head-on collisions? Well according to this article, this is how you prevent those collisions—and 9 others.

Motorcycles are wonderful vehicles, and we want you to keep enjoying the freedom they procure. While we do not advocate worrying, we also do not advocate ignorance. Being informed can save your life.

Until then, you are more than welcome to visit Sharp Insurance to see what we can do for you.