Here Are 3 Ways to Save on Your Motorcycle Insurance Policy

Posted on by TheSph3r3
Save on Motorcycle Insurance

Steer your way to success with an affordable motorcycle policy!

You caught the fever and finally decided to buy your very own bike and learn how to ride. While motorcycle riding can be a fun (and thrilling!) recreational activity, you always want to be sure that you remain safe at all times.

While every motorcycle driver will have the best insurance policy in place, there may be a chance that you’re overspending on your premiums.

Make and Model Matter

Just like with your car insurance, the type of vehicle that you insure has a significant impact on your insurance premiums. First, the more expensive a bike is to repair or replace, the higher your insurance premium will be since any claim on that motorcycle will cost more than average. Second, the frequency of theft for the type of bike will affect your coverage costs. If you have the highest-end bike, you’re more likely to file a theft claim.

Experience Counts

Newer riders that are fresh off the training course should expect to pay higher premiums than someone with more years of motorcycle driving experience. You can help to minimize this cost by taking a motorcycle safety course. Training sessions not only mean that you become a safer driver, but your insurer could offer a sizeable discount with this qualification.

Drive Less

The more mileage you put on your bike, the higher the premiums tend to be. No matter how safe a rider you are, if you’re on your bike all day every day, your chances of being involved in an accident increase. For those who only use their bikes on the weekend and have a lower annual mileage, be sure to inform your insurance agent.

Check out how you can save on your motorcycle insurance premiums by contacting the professionals at All Nevada Insurance, serving Las Vegas, Nevada!

How Dangerous is Distracted Driving?

Posted on by TheSph3r3
Dangerous is Distracted Driving

Staying focused on the roads is the only way to drive!

The dangers of distracted driving are well-known at this point. Anything from texting on cell phones to futzing with the radio, to applying your make-up, can shift your focus from the road.

Unfortunately, newspapers, magazines, and the Internet report daily accounts of car accidents that have resulted from distracted driving. The numbers are ever-increasing with drivers using smartphones, and the invention of smart watches that make accessing technology a whole lot easier.

Distracted driving results from:

  • Eyes off the road – From staring at billboards to gawking at crash scenes, distractions divert your eyes from the road and what is happening in front of you. If the car in front stops suddenly, you could end up in a rear-end collision.
  • Daydreaming – If your mind is taking away from driving to focus on what your passengers are saying, your reaction times will only slow.
  • Hands off the wheel – Eating, drinking, using a cell phone, or reaching for fallen objects – refrain from doing any of these, as once your hands are off the wheel, you’re asking for trouble.

To distract yourself from the distractions, use these tips and be a safer driver:

  • Turn off your phone. Try putting your phone out of reach or shutting it down before you start driving. Out of sight, out of mind, right? Any text or call you receive while driving isn’t important enough to put your life, and other drivers’ lives, on the line.
  • Be organized. Whether you need to get out your parking pass, set your GPS, or apply a touch of lipstick, do it before turning on your car. That way, you’ll be better prepared, and you won’t need to take your eyes, hands, or mind off the road.
  • Find zen. We all need a little peace and quiet in our lives. Make your driving time quiet time to concentrate and be calm!

To better protect your drive, vehicle, and finances, secure yourself a quality auto insurance policy. For the best coverage at the best rate for you in Las Vegas, Nevada, contact All Nevada Insurance today.

Ways to Keep Your Employees Happy

Posted on by TheSph3r3
Cheap Ways to Keep Your Employees Happy

Low-cost solutions to boost employee morale.

As your business takes off, the last thing on your mind is giving your employees any more than they need.

As you grow your business, you’ll face the dilemma of wanting to attract the best and brightest workers, but you can’t afford the high-dollar salary and brilliant benefits.

The good news is that a lot of employees are looking for more of a balance of salary and perks. In the long run, providing low-cost benefits can help you to attract loyal employees and compete for the top-tier of workers! Check out these low-cost ways to keep your employees happy.

  • Unlimited paid time off – You may be thinking that giving employees free reign of paid time off sounds like you’re going to see all play and no work. However, this freedom motivates employees to work harder and get tasks done so that they can enjoy their time off. With the right policies in place and trustworthy employees, this can be a good pay off for the individual and the company alike.
  • Telecommute – Give employees the option to work from home one day a week so that they can run errands, take care of their pets, and enjoy life – all while getting their work done. Additionally, you don’t have to pay for the electricity or gas to run your office one day a week!
  • Encourage breaks – Set up a designated quiet room for employees to take 10-minute relaxation breaks. Anything from a yoga mat to a comfy chair makes a good spot for workers to catch their breath.
  • Team building events – Take your staff to an off-site location to enjoy team building, at least once every six months. Whether it’s a potluck in the park on a Friday afternoon or a baseball game on Thursday, your team can strengthen through out-of-work interaction!
  • Let the dog out – More and more of us are adopting shelter pets and abandoned pups. While this shows our compassionate side, leaving them cooped up indoors all day. Designate a day where your employees can bring their dog to work so that they can feel at ease knowing that their 6-month old lab isn’t tearing up the sofa. Plus, who doesn’t love a quick cuddle with the four-legged friends?

One thing that your business shouldn’t have to worry about it coverage for accidents, lawsuits, and damages. For this all-encompassing business insurance, contact the professionals at All Nevada Insurance, serving Las Vegas and neighboring cities in Nevada!

Is Your Teen Behind the Wheel? Read This To Secure Them the Best Coverage!

Posted on by TheSph3r3
Auto Insurance for Your Teen

Keep your children safe on the road by enforcing good driving habits and reliable protection.

The time has come for your teenager to take the wheel. Before you let them into the driver’s seat, it’s important to ensure that your child is ready to stay safe on the roads.

It’s no secret that teenagers cost more to insure on any auto insurance policy. Their inexperience on the roads can result in accidents, as well as their daredevil need for speed.  Any parent can add their qualified teenager to their car insurance policy to receive reliable protection.

Passing the keys to your teenage driver is a monumental moment for yourself and your child. Doing this results in the addition of your child to the family car, or their own car’s, auto insurance policy.

Here’s what you need to know about the process:

When: Most insurance companies must be informed when your teen is driving your car with a permit. Once your teen passes the test and has a license in hand, then you must add them to the policy.

What: Note that a car of less value, or one with numerous safety features, will be cheaper to insure than a flashy, expensive car. A teen’s first car is going to get dinged and dented quickly, more often than not, so start them out on a safe second-hand car.

Behaviors: Encourage your child to remember the rules of the road and safe driving practices even after they have passed their test. A successful way to do this is to set a passenger limit, never let them use a phone whilst driving, and regularly drive with them to watch for bad habits.

Feedback: To keep an eye on your teen’s driving behavior, you can add a monitoring system to your teen’s car. This tracks certain aspects of driving such as speeding, seat belt usage, hard breaking, and arrival and departure time. This feature could reduce your auto insurance premium.

Savings: While your auto insurance rate will increase when adding your teen, you can control how much it goes up. Look for savings with Good Student Discounts!

Find out how much you can save when adding your teen to your auto insurance policy with All Nevada Insurance. Contact us for all of your insurance needs in Las Vegas and neighboring cities in Nevada, so that you, as a parent, can feel rest assured that protection is in place.

What Insurance Do Startup Businesses Need?

Posted on by TheSph3r3
What Insurance Startup Businesses Need

Get your business off the ground with secure defenses in place.

For most businesses, even fledgling ones, business insurance should be considered as essential to their survival as basic utilities and steady customers. Some types of insurance are required by law – others are just smart for your business. Which ones does your company need?

To make sense of the nonsensical insurance terms, it’s helpful to have a guide. And All Nevada Insurance is here to be exactly that for your business! We want to help you safeguard all of your hard work, so here are the top coverages that your startup needs.

General liability insurance – This provides financial protection for your business in the event of lawsuits and claims. These may arise as the result of injuries or property damage connected with your business, or even non-physical acts like slander or libel.

Property insurance – If you conduct business from a building – which is more likely than not – you’ll need this coverage to protect your property from fire, wind and hail storms, and vandalism.

Business Owner’s Policy – This cover is the best of both worlds! A BOP bundles general liability and commercial property coverages, and is generally the most affordable choice. If you’re a small business owner and you want the convenience of a single policy covering the bulk of your risks, this is a great choice.

Flood insurance – Backed by the federal government, the National Flood Insurance Program covers businesses from financial losses due to property damage caused by flooding.

Does your startup need the protection that will allow you to focus on excelling your company? If so, then contact the professionals at All Nevada Insurance. We serve Las Vegas and neighboring cities of Nevada with the right business insurance policies and can tailor coverage that’s right for you, no matter what your business needs.

Fourth of July Safety Tips

Posted on by TheSph3r3
Fourth of July Safety Tips

Now that summer has kicked into high gear, it’s time for some 4th of July safety tips!

For millions across the United States, July 4th is a celebration of the nation’s independence. In addition to it being the start of summer, it offers the perfect time to gather with friends and family for good food and fun times!

With sparklers, fireworks, and barbeques being eternally present in most 4th of July celebrations, here are some safety tips to keep your holiday safe and your memories good ones!

Swimming safety

Nothing beats the beach or pool to cool off on a hot summer day. If there are people in your group who don’t know how to swim or aren’t good swimmers, have a safety system in place!

  • Keep a watchful eye on everyone in the water.
  • Teach children basic water safety tips.
  • Keep children away from pool drains, pipes, and other openings.
  • Have flotation devices near.
  • Never leave children or unconfident swimmers alone.

Grilling safety tips

  • Make sure your grill is well away from your home and deck railings, and out from under eaves or overhanging branches.
  • Keep children and pets away from the grilling area.
  • Never leave your grill unattended!
  • Grill outdoors only.
  • If you spot a leak, shut off the gas immediately.

Firework safety tips

  • Leave lighting them to the pros!
  • Never use fireworks indoors (yes, people are still trying this!)
  • Obey local laws. If fireworks are not legal where you live, do not use them.
  • Avoid using homemade fireworks or illegal explosives.
  • Always have water on hand ready to douse a fire!

The insurance professionals at All Nevada Insurance hope that you and your family have a safe and fun 4th of July celebration! When you’re looking to secure your insurance policies so that you have the proper protection in place, contact us in Las Vegas, Nevada today.

Homemade Hummus Fit for Any Fourth of July Celebration!

Posted on by TheSph3r3
Fourth of July Recipe

This healthy, filling, and easy-to-make dip is ideal for your backyard celebration.

The fourth of July is almost upon us, and while you have plenty of barbecuing foods chilling in the fridge, have you thought about the starters? While many backyard barbeque parties are full of grilled food and beer, many guests find the small snacks and samplings are ideal while waiting for the grill to heat up.

Before you stock up on some cheap and calorific sauce, check out this easy recipe for making homemade hummus. Not only will it satisfy your guests until the grilling is complete, but it’ll have them asking you for the recipe.

Ingredients

  • 1 cup dried chickpeas
  • 1 tablespoon baking soda
  • 1/2 cup tahini (sesame paste), well stirred
  • 1/4 cup extra-virgin olive oil, plus more for drizzling
  • 1 clove garlic
  • Juice of 2 lemons
  • 1/2 teaspoon ground cumin
  • 1/4 teaspoon red pepper flakes
  • 1/4 teaspoon paprika, plus more for sprinkling
  • Salt
  • Pita bread and/or vegetable sticks, for serving

Directions

  1. Put the chickpeas in a strainer and pick through to remove any small stones; rinse well.
  2. Transfer the chickpeas to a large bowl and add 8 cups water; stir in the baking soda. Set aside to soak at room temperature for 12 to 24 hours.
  3. Drain the chickpeas and rinse well. Transfer to a large pot and add 10 cups water; bring to a boil and cook 5 minutes, then reduce the heat to low and simmer until the chickpeas are very soft, skimming off any foam from the surface, about 45 minutes.
  4. Reserve 1 cup of the cooking water, then drain the chickpeas and rinse under cold water. Transfer to a food processor and puree until smooth. With the machine running, add the tahini, olive oil, garlic, lemon juice, cumin, red pepper flakes, paprika, 1 teaspoon salt and the reserved cooking water; puree until smooth and creamy, about 5 minutes.
  5. Transfer the hummus to a bowl, drizzle with olive oil and sprinkle with paprika. Serve with pita bread and vegetables!

The insurance professionals hope that you and your family have a fun and safe Fourth of July! Contact our trusted agents in Las Vegas for all of your Nevada insurance needs.

Easy Guacamole Recipe for Your Summer Party!

Posted on by TheSph3r3
All Nevada Insurance Summer Party

Zest up your summer festivities with this easy guacamole recipe.

Summer is around the corner and backyard BBQ parties are being planned. What compliments a party better than guacamole and chips? This starter is a staple of any party, gathering, and Happy Hour!

 

Check out this quick and easy guacamole recipe that will wow everyone at your party!

 

Ingredients:

  • 2 avocadoes
  • 1 small onion, finely chopped
  • 1 clove garlic, minced,
  • 1 ripe tomato, chopped
  • 1 lime, juiced
  • Salt and pepper to taste

 

Directions:

  • Peel and mash avocados in a medium serving bowl.
  • Stir in onion, garlic, tomato, lime juice, salt and pepper. Season with remaining lime juice and salt and pepper to taste.
  • Chill for half an hour to blend flavors.

 

From the insurance professionals at All Nevada Insurance, we hope that you enjoyed this easy and fun guacamole recipe. Be sure to visit us for all of your insurance needs within Las Vegas and the neighboring cities of Nevada.

 

Stay Safe During Summertime with These Sun Safety Tips!

Posted on by TheSph3r3
All Nevada Insurance Summer Tips

The weather outside is beautiful – but protect your skin before heading out!

It’s natural to enjoy all kinds of outdoor activities in the summer. After all, the warmer weather brings the perfect opportunities to hit the beach, play in the pool, or hike the hills. Whatever your beloved summer activity is, prepping your skin for the sun’s rays is imperative during the hottest season.

 

Follow these sun safety tips to help prevent serious skin damage, and possibly skin cancer!

 

  • Sun Protection: Apply a sunscreen with a SPF of 15 or higher whenever you’re outdoors. Use a lotion that has broad spectrum protection, which means protection against both UVA and UVB rays. For children, apply a sunscreen of SPF 30 or higher.
  • Stay Covered: Always apply sunscreen 20 minutes before heading out in the sunshine, and reapply after sweating excessively or taking a dip in the ocean!
  • Layer Up: Wear a hat with a wide brim and sunglasses to shield your eyes and face from direct sunlight. Choose lightweight and long clothing to cover exposed skin, too!
  • Stay Shady: Head indoors or stay in the shade during midday, when it’s hottest outside and the sun’s rays are at their most intense. The chance of burning sky-rockets during this time, so be sure to find shade where you can.
  • Bottoms Up: Stay hydrated during the summertime! Drinking enough water is essential for almost every body function, so don’t skimp on the ice and water this season. Keep a bottle of water in your car, your bag, and be sure to take plenty if you’re heading out for the day. This includes bringing enough water for your pets, too!

 

From the insurance professionals at All Nevada Insurance, we hope that you have a safe and fun summer holiday! For all of your policy needs in Las Vegas, Nevada, contact us today!

The Basics of General Commercial Liability Policies

Posted on by TheSph3r3
All Nevada Insurance Business Insurance

Accidents and mishaps, General Commercial Liability can protect your business from all.

 

Despite our best efforts and most calculated and careful actions, accidents happen. We live in a society where an accident can quickly result in a lawsuit against the at-fault person.

 

Fortunately, this is where general liability insurance steps in. General liability insurance is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.

 

Determine the Right Amount of Coverage
Before you select your general liability insurance limits, you should evaluate the degree of risk that you’re facing. Ask yourself how likely it is that bodily injury or property damage, or the need for employment practices insurance may occur within your business or outside of it? A single accident can result in a lawsuit that you might not be able to handle. A great way to protect against this type of situation is to make sure you carry enough coverage!

 

The Basics
If your business is involved in an accident and is deemed at fault, the insurer that holds your policy is responsible for paying legal costs. They are legally obligated to pay the covered liability claims that include personal injury, property damage, bodily injury, and any damage sustained from false advertising.

 

General liability insurance, along with various other protections, is available in business owner policies! For businesses with a high level of threat, an umbrella policy should be purchased to provide additional protection on top of the general liability that is already in place!

 

Each employer and business owner should take precautionary measures to ensure that an incident doesn’t happen. Of course, accidents happen, but this risk can be severely decreased with proper planning, caution, and safety policies.

 

Get started on your tailored business insurance coverage by contacting the professionals at All Nevada Insurance, located in Las Vegas, Nevada. Our experts can provide your company with the coverage that it needs and deserves, all at the right price!