Sunday, February 12, 2012 Insurance is all about risk. Insurance companies can tell, by analyzing individual policyholder’s driving history and actuarial data, about how many policyholders are actually going to have claims and how many aren’t and they know that by spreading premiums out among those who will have claims and those who won’t, they can reduce costs for everyone. READ MORE >>
Tuesday, January 31, 2012 A catastrophe, such as a fire, may shut a business down temporarily. While the business is not operating, business income can stop or decrease substantially. Yet, expenses can continue and may even increase during this period. This is where Business Interruption coverage steps in. READ MORE >>
Monday, January 30, 2012 Cliff Cottam Insurance Services is committed to bringing you articles that will help you in your small businesses. We think these are great tips provided by Manta. Related videos By Joan Nowak As you prepare your business for success in the coming year, will you focus your time and resources on sales growth? READ MORE >>
Wednesday, January 25, 2012 In some ways, auto insurance policies are like snowflakes. No, they aren’t cold or wet, and they sure don’t fall from the sky, but they are unique and tailored to each individual policyholder. That makes it impossible to answer certain questions with a blithe yes or no response. READ MORE >>
Monday, January 23, 2012Cliff Cottam Insurance Services is happy to pass along this facebook scam article to our clients. It is written by Carla McNeil of Butterfly Networking. As always, we not only want to help you protect your cars, homes, and businesses, but keep you safe online too. READ MORE >>
Wednesday, January 18, 2012 Cliff Cottam Insurance Services is expanding! We have several job openings. We are looking for Property & Casualty and Health Insurance Agents. Must be licensed with the California Department of Insurance. We also have internships for: Customer Service Representatives/Insurance Trainee , and READ MORE >>
Thursday, January 12, 2012 As winter brings cool weather and a need for heat, it also brings a high risk of home fires. You can follow a few simple safety rules this winter to stay cozy without starting a fire that damages your biggest investment. 1. READ MORE >>
Monday, January 9, 2012 Car insurance is required in California. It protects the insured financially in the event of an accident. Car insurance is a valuable asset; however, there are a lot of myths associated with it. This article will look at common myths that many Americans believe about car insurance, and how you can protect yourself from these myths. READ MORE >>
Friday, January 6, 2012 As a home owner, you know that you need certain types of insurance not only to make your lender happy, but also to provide you with some financial protection against the losses that follow an insurable incident. But is home insurance, a product that protects you financially from losses that your dwelling structure and contents can experience after certain incidents, enough? READ MORE >>
Tuesday, January 3, 2012 Is All Your Personal Property Covered? The personal property (or contents) coverage in your home insurance policy has some pretty specific guidelines that determine what is, and isn’t, covered. It also determines how much coverage you can expect per incident. Actual Value and Replacement Value READ MORE >>
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