Flood Insurance or hurricane coverage what do I need?

In areas of the United States that are prone to hurricane’s, homeowners may be required to have flood coverage based on the zoning regulations in your area. Those not zoned to have high flood risk may want to consider adding flood coverage because your homeowners insurance may not be enough. Floods can occur anywhere and unlike homeowners or hurricane coverage, flood insurance will protect your property even if the area has not been declared a disaster by the federal government.

In states that are higher risk for hurricanes like Florida, Texas, Louisiana, North and South Carolina, Alabama, Georgia, Mississippi, New York and Virginia your homeowners most likely will have a higher deductible specifically for hurricane claims. Make sure to discuss options to lower your deductible or at least be prepared for the large deductible in case you need to make a claim. Your insurance agent can review your policy with you and assist you with this.

Peace of mind during any weather event is a top priority and taking the steps for preparation will ensure you have the protection you need. Steps you should take to prepare for a hurricane: 1. Have emergency water and non-perishable food. 2. Get a first aid kit and include at least a one-month supply of your medications. 3. Backup power sources to charge your phone and batteries for your flashlights. 4. Prepare a way to store and/or carry with you your important documents, i.e. medical documents, personal identification, wills, and insurance information.

Hurricane season officially begins on June 1st of each year so be sure to schedule a meeting with your insurance agent now to review your coverage and discuss options. Protecting your home is a step toward protecting your legacy.

Call us at Clockwork Insurance Services to discuss taking those steps to protect your legacy today at 504-262-8240

Four reasons why you need fine arts and collectibles insurance

If you own fine art, it’s important that you protect its value with insurance coverage. Clockwork Insurance Services offers fine arts and collectibles insurance to consumers in Metairie, LA.

Here are four reasons why you need fine arts and collectibles insurance to protect your valuable possessions.  

Natural disasters can destroy valuable collectibles and fine art.

Your collectibles could be damaged or destroyed if a natural disaster occurs in your area. An insurance policy can reimburse you for losses due to damage to fine arts caused by natural disasters. 

You may need to travel with your expensive fine art.

Transporting your fine art may be necessary, but it can put your valuable items at risk of becoming damaged if you get in an accident. A fine arts and collectibles insurance policy will typically include coverage for losses resulting from travel. 

Fine arts and collectibles insurance gives you peace of mind. 

Without insurance coverage, you might be stressed about potential financial losses resulting from damage to your collectibles. You can avoid this stress by investing in the coverage that you need to insure the value of your fine art. 

Fine arts and collectibles insurance covers you if your fine art is stolen.

Unfortunately, valuable works of fine art can make you a target for theft. Insurance coverage can reimburse you if your fine art items are stolen or significantly damaged due to vandalism or burglary. 

At Clockwork Insurance Services, we’re happy to offer you the fine arts and collectibles insurance coverage you need. Call us today for a quote on a policy for your fine arts collection in Metairie, LA.

Safeguarding Your Jewelry While Traveling

The wedding is over, and you are heading to your honeymoon to celebrate! How do you protect your jewelry while you are zip lining over a tropical island?

You realize homeowners and renters’ insurance have major limitations on jewelry coverage. It certainly won’t cover your jewelry when you are flying out of state or out of the country for vacation.

Clockwork Insurance Services has some tips on safeguarding your precious jewelry while traveling along with options for personal jewelry insurance that will help you to really relax and enjoy that vacation or honeymoon.

-Never put your jewelry in a checked bag.

-Don’t flash your jewelry while traveling.

-Don’t leave your jewels in your hotel room, if you must, put in a hotel safe.

And most important make sure you have your jewelry fully insured.

For a quote on coverage go to: https://www.clockworkinsurance.com.

We all want to be able to truly relax while traveling whether it is for pleasure or business. Leaving your most valuable jewelry at home is an option but many times we want to wear our wedding rings and other important pieces to events while out of town. Get covered to add that layer of security while traveling.

Four Ways to Secure Your Jewelry Store

Optimizing Security for Jewelry Store Owners

As a jewelry store owner, your store houses many precious and valuable items, making security paramount. Here are some practical ways to bolster your store’s security and ensure seamless operation of your business:

1. Implement a Sophisticated Security System

A top-tier security system is crucial whether you own or rent the property where your jewelry store is located. If absent, it is recommended to install a system that is remotely accessible, notifies you when a window or door has been breached, and connects directly to your phone.

2. Reinforce Cybersecurity Measures

In addition to physical visibility, your store likely has a considerable digital presence, given the extensive customer data collected during transactions. A robust cybersecurity system is essential to ensure the security of such sensitive data. Such a system can protect customers and safely store their information during payment transactions.

3. Establish a Two-Person Policy

Operating a jewelry store alone can be risky. A two-person policy can be implemented to mitigate this, wherein two individuals are present while opening and closing the store. Such a policy helps scan the surroundings for potential threats before unlocking the doors. During business hours, maintaining a minimum of two employees on the shop floor can help oversee potential theft while serving customers efficiently.

4. Invest in Enhanced Display Cases

Reinforced glass display cases can be used to discourage potential theft. While maintaining visibility for customers, such cases are harder to break into, effectively reducing the chances of theft.

Are you in the Metairie, LA, area and in need of a quote for jeweler’s block insurance? Contact our proficient agents at Clockwork Insurance Services.

Do I Need Home Insurance?

Home Insurance: While it’s not a legal requirement, your mortgage lender may make it a requirement. What’s more, it’s just a good idea overall. A home is a big investment after all, and you want your investment protected should disaster fall. Disasters can happen at any time, so it is highly recommended that you get home insurance to save yourself from financial loss when such things happen. Otherwise, you’d have to pay for repairs out of pocket.

Why Does a Mortgage Lender Require Home Insurance?

If you take out a mortgage, your house is used as the collateral for the loan. In this case, the lender will also be invested in your house as they can claim it if the loan is not paid back. If a disaster damages your house before the loan is paid off, insurance will pay to fix the damages. If you live in an area that makes your house more liable to damage (say, an area that is frequently flooded), you may have to purchase beyond the standard home insurance policy. 

What Does Home Insurance Cover?

Home insurance covers the cost of repairs should your home be damaged or the victim of theft or vandalism. Home insurance can also cover the repair or replacement of personal items such as furniture, clothes, electronics, appliances, and more. If someone is injured on your property, home insurance will take care of their medical costs. If the place you live in becomes too hazardous for life, you can even be decompensated for living expenses. 

Clockwork Insurance Services Is Here To Serve The Greater Metairie, LA Region

If you are in the Metairie, LA area, and you need home insurance, please contact Clockwork Insurance Services. Our knowledgeable and courteous agents will work tirelessly to provide you with the correct insurance policy to suit your needs and guarantee your satisfaction. 

Why do I Need Commercial Insurance?

If you have a business, you need commercial insurance because, frankly, stuff happens. Even if you’re very careful, natural disasters will happen. The thieves are not all in jail yet. People get injured and want to sue. People get angry in general and want to sue. Employees are only human and might not be able to work if ill or injured. These things can lead to a substantial financial loss. Commercial insurance will make sure that your business doesn’t go under due to unforeseen circumstances.

Types of Business Insurance

There are three types of business insurance with their own subtypes. There is limited liability insurance that covers legal or medical fees that you’ve been held responsible for. Commercial property insurance covers the cost of repairing or replacing any company property that gets damaged. Business income insurance compensates for lost income due to interruption of business or other extra expenses.

What Kind of Business Insurance Do I Need?

To start with, you need liability insurance, both general and professional. Liability policies cover legal fees and settlements if you are found liable for any damage or injury to others.  If you have employees, you’ll need workers’ compensation insurance. Even if your business is an LLC, you will still need insurance to take care of workers’ compensation, damages, and liabilities. If you are the sole proprietor, you will need liability insurance in order to protect your personal assets. WE can discuss what limits make sense for you and other aspects of coverage to be sure you are comfortable with your choices.

Clockwork Insurance Services Serving Metairie, LA

If you are in need of commercial insurance and are in the Metairie, LA area, please contact Clockwork Insurance Services. Our professional and courteous agents are dedicated to helping you get what you need to keep your business going.