DRONES AND YOUR PEORIA, ARIZONA BUSINESS INSURANCE

Remember when we were in school and we studied about drones?  You know, the male bees in a hive that don’t have to do anything except eat and mate with the queen bee?  To do their mating they would fly 200 or 300 feet in the air to meet up with their queen and do their best to help perpetuate the species!  Today, however, the drones that you see at 300 feet may have nothing to do with pro-creation or honey.  Rather, they may be keeping track of your every movement.  And, if you and your company happen to be one of those that are utilizing drones, you definitely need to make sure that you are aware of DRONES AND YOUR PEORIA, ARIZONA BUSINESS INSURANCE.

“The FAA is constantly making changes in the rules that control the use of Commercial Drones, as are cities and states,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared.

Bivona is absolutely right. According to Thomas Gemmell, former U.S. Air Force fighter pilot and co-leader of the drone team for Husch Blackwell, a law firm in Chicago, there are several specific rules for unmanned aircraft weighing less than fifty-five pounds and flying no more than 400 feet above the ground that include, but are not necessarily limited to:

  • Drones must stay within visual line of the pilot
  • Remote pilots are required to have a Remote Pilot Airman Certificate

“Gemmell went on to share,” Bivona noted, “that as a commercial drone operator, or even just a hobbyist, he would make sure that he had Insurance.”

Items that a Drone Policy should cover include, but are not limited to:

  • Injuries
  • Personal Property Damage
  • Damage to the Drone itself

As you can see, being aware of DRONES AND YOUR PEORIA, ARIZONA BUSINESS INSURANCE certainly is not something you want to ignore if you do, in fact, own a Drone or intend to purchase and use one in the near future!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Business Coverage.

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

(To learn more about this issue, research “Drones and Insurance”)

 

NEW HOME OWNERS AND GLENDALE, AZ HOME OWNERS INSURANCE

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An interesting thing happened about six months ago – my wife and I sold the last house we will ever own. Our daughter and her husband very graciously built us an in-law suite that is attached to their home, and we plan on spending our “Golden Years” there.  As we prepared to move out, however, I took a brief stroll down the road of my past (you may know it as “Memory Lane!”), and thought about when we bought our first house.  Home owning was all new and we were filled with awe as we started that aspect of our lives.  We would wind up buying a total of three homes, living in the last for thirty plus years!  If you are just beginning your journey of home owning, you will want to be aware of NEW HOME OWNERS AND GLENDALE, AZ HOME OWNERS INSURANCE.

 

“Like any other journey,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared, “being a Home Owner begins with the first step – which is, of course, being approved by a Financial Institution to purchase a home.  To get this approval, there are a number of questions you will have to answer to their satisfaction.”

 

Those questions include, but are not necessarily limited to:

  • How much money do you have saved up?
  • How much debt do you have?
  • What is your Credit Score?
  • How long do you plan on staying?
  • Have you factored in all the costs?“That last question is vitally important,” Bivona explained somewhat gravely, “because, unfortunately, when young people are doing their budgets oft times all they consider is the mortgage payment itself when, in reality, there are many other expenses to consider.”

 

Some of these expenses include:

 

  • Maintenance & Repair – Unless you are purchasing a brand new home with an excellent warranty, Maintenance and Repair needs to be something you plan for!
  • Utilities – Water, Energy, Gas, Trash Pickup.
  • Household Appliances – Even though the ones in the home you buy are in good working order, you may find that replacing them is a smart move as you will be replacing them with more efficient models.
  • Homeowners Insurance – This is where you really need to locate an Insurance Broker who will not only help you get the best prices, but who will ensure you have all the coverage you need and are expecting.As you can see, being aware of NEW HOME OWNERS AND GLENDALE, AZ HOME OWNERS INSURANCE certainly is not something you want to ignore if you are, in fact becoming a first-time Home Owner! As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Business Coverage.To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.(To learn more about this issue, research “New Home Owners & Insurance”)  

STRESS CONTROL, BUSINESS SECURITY AND YOUR GLENDALE, ARIZONA BUSINESS INSURANCE

Floyd-Allen1-101x150[1]            Want to hear a real “Urban Myth?”  Ok, here goes – “There’s no stress when you own your own business and work for yourself, ‘cause you don’t have anyone looking over your shoulder all the while!”  Undoubtedly even people who don’t work for themselves see the fallacy in that statement.  As a result, if you do own your own business, you really need to be aware of STRESS CONTROL, BUSINESS SECURITY AND YOUR GLENDALE, ARIZONA BUSINESS INSURANCE.

 

“These certainly aren’t “the good old days” for most of us,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared, “and when it comes to our businesses, we need all the help we can get to relieve the stress of our workday.”

 

Experts say that for those who own their own businesses, this “relief” can be achieved in ways that include but are not limited to:

  • Meditation
  • Taking ample time to “recharge” your body
  • Creating a proper balance between your job, family, and needed “personal time”
  • Ensuring that you and your business are properly protected            “That ‘protection’ comes in the form of Business Insurance,” Bivona explained, a degree of solemnity in his voice, “and there are several forms that every businessperson needs to make sure they have enough of.”

These include, but are not limited to:

  • Professional Liability
  • Worker’s Comp
  • Vehicle Insurance
  • Business Interruption InsuranceAs you can see, being aware of STRESS CONTROL, BUSINESS SECURITY AND YOUR GLENDALE, ARIZONA BUSINESS INSURANCE certainly is not something you want to ignore if you are, in fact, a Business Owner or are becoming one in the near future! As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Business Coverage.To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.(To learn more about this issue, research “Stress & Business Insurance” 

DOG BITES AND YOUR AVONDALE, ARIZONA HOMEOWNERS INSURANCE

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The one with the waggly Tail

How much is that Doggie in the window

I do hope that doggie’s for sale!

 

If you remember this wonderful little ditty by Patti Page, you probably remember the line where she proclaims that the new pet will scare away burglars with one bark!  Well, if you are a homeowner you may want to hope that all your dog does is bark, ‘cause if they go to the next step and bite someone it could prove very inconvenient, and expensive, for you!  That’s why anyone with a home and a dog should be “up to date” on DOG BITES AND YOUR AVONDALE, ARIZONA, HOMEOWNERS INSURANCE.

“Statistics show,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared, “that in 2015 more than one third of the claims paid out by Homeowners Insurance Companies were for dog-related injuries, and each claim averaged over $37,000!”

What, you may wonder, is spearheading this epidemic?  Well, what isn’t spearheading it may really shock you, for it isn’t a large increase in the number of pit bulls or personal injury lawyers!  The REAL problem it seems may be that more and more people and dogs are being crowded into urban areas like – you guessed it, the Valley of the Sun!

“An objection I so often face when I suggest to a homeowner with a dog that they make sure they have coverage for dog bites,” Bivona shared so solemnly that is was obvious that the answer troubled him a great deal, “is, ‘Oh, I don’t need that – Fido would never bite anyone!’  The reality is,” he went on, “that over one third of the victims are under the age of the fourteen, and many of them are victimized by the family pet.”

Studies show that what makes a “good dog go bad” typically is when they are frightened.  This can be because they have their “space invaded;” they encounter someone they are not familiar with, or the situation they find themselves in is threatening in some way.

“Experts tell us,” Bivona explained, “that to minimize the chance of an incident we should expose our dogs to new situations, to new environments and to strangers on a regular basis and from the time they are very young.”

As you can see, being aware of DOG BITES AND YOUR AVONDALE, ARIZONA, HOMEOWNERS INSURANCE certainly is not something you want to ignore if you are, in fact, a Homeowner or are becoming one in the near future!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Homeowner Insurance.

 

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 

(To learn more about this issue, research “Dog Bites and Homeowners Insurance”)

 

THE MAGNIFICIENT SEVENS AND YOUR PEORIA, AZ HOMEOWNER’S INSURANCE

Floyd-Allen1-101x150[1]   Quickly – – how many of the men who appeared in THE MAGNIFICIENT SEVEN can you name?  As one of, if not THE, best westerns of all-time, it featured such noteworthys as Yul Brynner, Steve McQueen, James Colburn, Charles Bronson and Robert Vaughn!  Now, most of us know the “plot” behind the story, but did you know that it was not an original thought?  Actually, it was based on the 1954 Japanese movie THE SEVEN SAMAURI.  Interestingly enough it was not the last in the line of Magnificent Sevens, as in 1980 Richard Thomas starred in a flick with the same basic theme – BATTLE BEYOND THE STARS.  Amazingly, Robert Vaughn was featured in that film, too!  If you’re a home owner in Arizona, there are several “Magnificent Sevens” that you probably should be aware of, and that’s why we are discussing THE MAGNIFICENT SEVENS AND YOUR PEORIA, AZ HOMEOWNER’S INSURANCE.

 

“There is a whole lot involved when buying a home,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared, “and it all starts as soon as you have your closing.”

 

Bivona is right, so our first MAGNIFICENT SEVEN is:

Seven Simple Steps That Will Make Closing Day a Breeze

  • Change the Locks
  • Switch over the Utilities
  • Update or Purchase Homeowner’s Insurance
  • Meet Your Neighbors
  • Thoroughly Review all Your Paperwork
  • Measure all the Rooms While They are Still Empty
  • Be Sure Your Home is “Move-In” Ready“Obviously,” Bivona pointed out, “the acquisition of a Homeowner’s Policy is necessary to protect your new home. As a result, you will not just want to get a Policy, but make sure that it gives you sufficient coverage to protect you, your family, and your investment.”Our second MAGNIFICENT SEVEN is: 
  • Does Your Homeowners Insurance Fully Cover You for These Seven Common Claims?
  • Windstorms
  • Fire
  • Dog Bites
  • Theft
  • Non-Weather Water Damage
  • Flooding
  • Bodily Injury“Interestingly enough,” Bivona offered with a twinkle in his eye and a big smile in his voice, “there are somethings your Policy may cover that you probably don’t even think of, and probably will never have to file a claim for.”And that brings us to our last MAGNIFICIENT SEVEN: 
  • Seven Surprising Things that May be Covered by Your Homeowners Policy
  • Spaceship Crashes into Your Home
  • Wedding Disruption in Your Back Yard
  • Your Child’s College Dorm Room
  • Lions and Tigers and Bears, oh my!
  • Libel & Defamation Suits
  • The Afterlife
  • Dog Bites“When it comes to what is and what isn’t covered,” Bivona explained, “you want to confer with your Independent Broker BEFORE there is a need to make a claim. In fact,” he continued wisely, ‘it is a good idea to have your policy reviewed annually, or at least anytime there is a major change in your life or lifestyle.”As you can see, being aware of THE MAGNIFICENT SEVENS AND YOUR PEORIA, AZ HOMEOWNER’S INSURANCE certainly is not something you want to ignore if you are, in fact, a Homeowner or are becoming one in the near future! As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Homeowner’s Coverage.To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.(To learn more about this issue, research “7 Facts About Homeowners Insurance”)

WHEN YOU’LL DIE AND YOUR GLENDALE, AZ LIFE INSURANCE

Floyd-Allen1-101x150[1]           Did you hear about the lady who went to the circus, and while there visited the Fortune Teller?  Well, she paid her two bits and then she and her friend went in and sat down.  Soon, a lady who appeared to be just slightly younger than Methuselah walked in and beckoned her to give her her hand.  Studying the lines for a few minutes, she looked over at the woman who waited anxiously.  Taking a piece of paper she wrote a message, folded it THREE times and said, “Put this in your purse and promise me you won’t open it ‘til you get home.”

 

Promising to obey the seer, she and her friend left the old gypsy’s tent and proceeded across the midway. She never made it all the way, however, as a car from the rollercoaster flew off the track and crashed into her, killing her immediately.  Once she was hauled away and the shock wore off, her friend opened up her purse, unfolded the gypsy’s note, and read, “No Future.”  While very few are that accurate of a prognosticator, there are those who are working on predicting life expectancies, and that leads us to the fact that you should be aware of WHEN YOU’LL DIE AND YOUR GLENDALE, AZ LIFE INSURANCE.

 

“While there are groups, such as WILLIS TOWERS WATSON in Great Britain,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared, “who are doing studies to better determine our life spans, the reality is nobody knows when they are going to die.  We all know, however,” he continued, “that the Grim Reaper is no respecter of age or gender and, as a result, if we are responsible for someone else’s financial well-being, we need to ensure that we have made provision to meet those needs even if we should not be around to do so ourselves,” Bivona shared emotionally.

 

Bivona is such a proponent of Life Insurance that he refers to it as “Love Insurance.”  He points out that there are several things to consider when purchasing Life Insurance, including but not limited to”:

  • The age of the Insured

 

  • The age of the Beneficiaries
  • What the Insurance is meant to do
  • Is the Insurance meant to serve as Supplemental Retirement Income and just not a death benefit

 

“This is another area,” Bivona advised, “where you are better off to seek the assistance of an Independent Insurance Professional than just an Insurance Agent, as the former will be able to research a much wider scope of products to help you meet your goals and needs.”

 

As you can see, being aware of WHEN YOU’LL DIE AND YOUR GLENDALE, AZ LIFE INSURANCE certainly is not something you want to ignore if you are, in fact, responsible for someone’s financial wellbeing!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Business Coverage.

 

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 

(To learn more about this issue, research “Life Expectancies and Life Insurance”)

 

 

HIGH TECH START-UPS AND YOUR PEORIA, AZ INSURANCE

Floyd-Allen1-101x150[1]            Consider this:  A survey at a recent SOUTH BY SOUTHWEST Festival in Austin, Texas, discovered two interesting, and nearly diametrically opposed, facts:

 

  • Nearly 50% of those individuals who started a new company didn’t think about Insurance until after their business was open.
  • When asked what they most worry about, however, most often cited was the fear of a lawsuit and information security concerns.

Now, that, in itself, should make HIGH TECH START-UPS AND YOUR PEORIA, ARIZONA BUSINESS INSURANCE an issue worth considering if you are going to be starting up a Tech Company.

 

“If you are going to start a business,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared, “High Tech or not, there are a number of Insurance Options that you REALLY need to consider and research to ensure that you, and your new business, are protected.”

 

If you take into consideration that the reason for Business Insurance IS to protect you and your Business, the cost factor of the protection is minimal compared to the cost factor if you don’t have the protection.  As a result, following are several Insurance Options for your High Tech Company that you really shouldn’t ignore:

 

  • Contract Risk Management
  • General Liability Coverage
  • Property Insurance Coverage
  • Errors & Omissions Coverage
  • Worker’s Comp
  • Directors & Officers Liability Insurance
  • Key Person Insurance
  • Employment Practices Liability

 

  •  

“Another basic form of Business Insurance you are pretty apt to want to consider,” Bivona added, “is a Commercial Umbrella Insurance Policy.

 

As you can see, being aware of HIGH TECH START-UPS AND YOUR PEORIA, ARIZONA BUSINESS INSURANCE certainly is not something you want to ignore if you are, in fact, starting a High Tech Company!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Business Coverage.

 

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 

(To learn more about this issue, research “High Tech Start-Ups and Business Insurance”)

 

 

 

 

 

 

WEIRD AND WACKY PRODUCTS AND YOUR GLENDALE, AZ BUSINESS INSURANCE

Floyd-Allen1-101x150[1]Usually, Business and “Weird and Wacky” are not linked together, but in the world of Business and Insurance, they theoretically can be.  That’s why you may very well want to be “up to date” on WEIRD AND WACKY PRODUCTS AND YOUR GLENDALE, AZ BUSINESS INSURANCE.

 “I think there are two types of ‘Weird and Wacky’ where Business Insurance is concerned,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared with a chuckle in his voice, “those that I might actually have a client who would want to purchase, and those that, well, probably not so much!”

The first includes, but may not be limited to:

  • War & Political Risk Insurance (Can include Terrorism)
  • Environmental Insurance
  • Haunted House Insurance (Should a client own/run a hotel with a resident “spook”)The “Weird and Wacky

 

Bivona never expects to sell a policy for include: 

  • Alien Abduction and UFO Crash Insurance
  • Zombie Apocalypse Insurance

“When it comes to Business and Insurance,” Bivona said a little more somberly, ones that need to be given serious consideration include:

 

  • Property Insurance
  • Worker’s Compensation
  • General Liability
  • Product Liability
  • Commercial Auto Insurance
  • Data Breach Insurance
  • Home-Based Business Insurance
  • Personal Umbrella Policy

As you can see, being aware of WEIRD AND WACKY PRODUCTS AND YOUR GLENDALE, AZ BUSINESS INSURANCE may be fun, but being without the proper, and enough! Business Insurance certainly is not!

As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Auto Insurance Rates.To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.(To learn more about this issue, research “Basic Business Insurance Needs”)

RENTING A HOME AND YOUR GLENDALE, AZ AUTO INSURANCE

 

Floyd-Allen1-101x150[1]

 

QUICKLY – – which formula was more difficult to come up with: The Law of Relativity or how your Auto Insurance is calculated?  While the verdict may still be out, it IS rumored that Albert Einstein still hasn’t figured out the latter.  That’s why if you rent your humble abode you definitely need to be aware of RENTING A HOME AND YOUR GLENDALE, AZ AUTO INSURANCE!

“One of the main ingredients, if you would,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area, shared, “in the formula that deals with the driver, one of the things that they look at is whether or not they own or rent.”

Elements regarding the driver(s) include, but are not limited to:

  • Driving Record
  • Number of Drivers
  • Gender and Age of Drivers
  • Education Level
  • Marital Status
  • Profession
  • Credit Score
  • Home Ownership Status

“While it may seem that Home Ownership Status should have no bearing whatsoever on Insurance Rates,” Bivona explained, “What some insurance companies feel is that it reflects ones propensity for taking risks.”

What Bivona is alluding to is the fact that during the housing crisis a few years back, a number of people took a risk and, as a result, lost their home and ended up having to rent. From the ultra-conservative thinking Insurance Companies came the thought, “What other risks are they willing to take?” which, of course, results in higher rates.

“The key,” Bivona advises, “is to find an Insurance Professional who will find you a company that does not penalize you for not owing a home.”

As you can see, being aware of RENTING A HOME AND YOUR GLENDALE, AZ AUTO INSURANCE is an important undertaking for every individual who finds it prudent to rent at this stage in their life rather than own a home. As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Auto Insurance Rates.

(To learn more about this issue, research “Things that Affect Auto Insurance Rates”)

 

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 

DRONES AND YOUR GLENDALE, AZ, INSURANCE

“Look – – up in the sky – – it’s a bird, it’s a plane, it’s a drone?”

“Well,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area, shared, “it’s pretty apt to be.  After all,” he continued, “an estimated 200,000 were given as gifts across the country this past Christmas.  And,” he went on, “most Insurance Experts agree that if you have a drone, it is probably a good idea to have it insured.”

The reality of drones is that, eventually, they could crash: They could crash into buildings; they could crash into power lines; they could crash into cars; and, perhaps most importantly, they could crash into people!

“To protect everyone involved,” Bivona advised, “the FAA has established a number of Rules & Regulations that drone owners need to adhere to.”

These Rules & Regulations include, but are not necessary limited to:

  • Recreational drone users are subject to FAA jurisdiction, including a mandatory Registration Plan.
  • Commercial use of a drone is restricted and requires authorization from the FAA.
  • When flying a drone you must keep it in sight at all times.
  • Don’t fly the drone higher than 400 feet.
  • Stay away from manned aircraft operations.
  • Don’t fly within five miles of an airport without specific permission to do so.

“What really needs to be emphasized,” Bivona summarized, “is that if your drone crashes into someone or their property, it is your responsibility.  As a result, you need to ensure that your current Insurance Policies will cover this and, if they don’t, that you get coverage as soon as possible.”

Floyd-Allen1-101x150[1]As you can see, being aware of DRONES AND YOUR GLENDALE, AZ INSURANCE is an important undertaking for every individual who wants to ensure they are protected while flying their drones – whether they are doing so for recreation or for commercial purposes!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Car Insurance Coverage.

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

(To learn more about this issue, research “Drones and Insurance”)