Insurance by Allied Brokers
Solving Clients' needs since 1954
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Insurance by Allied Brokers
"If we are less than perfect, call me and
I will do whatever I can
to make it right."

Chris Grammer
Chris Grammar
In this Issue:
Client of the Month
We Appreciate Our Customers
New Earthquake Options for You
Driving for UBER? Our auto policy for you covers NOTHING!!!
The top ten claims against business owners
About Us
Customer Alerts:
Nationwide - Allied Auto Rate Change

Nationwide Allied Auto Rate increase effective 4-15-2015. 1% statewide average. Almost everyone will be affected due to this change. 27% will see rates drop and less than 2% will go up over 5%. If your rate goes up too much, call us for a free review with different companies we offer. Other ways to save are, to place your home and auto together or new occupational discounts.
Our Team:
Steve Fox
Steve Fox
Mimi Watson
Mimi Watson
Scott Chin
Scott Chin
Ron Young
Ron Young
Contact Us:
630 Cowper Street
Palo Alto, CA 94301
P: 650-328-1000
F: 650-324-1142
Open M-F 8:30-5pm
LIC# 0525309
Welcome to Insurance by Allied Brokers'
April 2015 Newsletter!
Client of the Month

Global Infotech
P: 408 567 0600  |  F: 408 567 0810  |

Since inception, Global continues to constantly deliver on its philosophy to be customer focused, technologically aligned, quality conscious, process driven and result oriented. Global has a knowledgeable and dedicated management team with vast experience and a successful track record spanning over the last three decades. The executive team closely interacts with all of our customers to understand their current and long-term strategic requirements and goals to provide better service.

Would you like to increase your exposure to potential customers? Let us feature you on the Insurance by Allied Brokers website as 'Customer of the Month'. This way, visitors to our website will see your advertisement and respond to the discounts or special deals you offer.

Do you want to be our 'Customer of the Month' or be included in our 'Client Referral Network'? Call 650-328-1000 or send us an email to

Customer Appreciation Drawing for FREE Tickets

You have supported us all these years and we want to say thanks by offering you a chance to win a pair of 'Club Level' Giants tickets.

March 2015 Winner (from 164 client respondents) for a pair of FREE tickets to Giants Game

Sarah and Frank Ramirez
Owners, Brilliant Homes
(clients since 2005)

This month's drawing is for FREE tickets to a Giants Game!

New Earthquake Options for You
The April 25th earthquake in Nepal makes the need for Earthquake safety and insurance more clear. California has better building codes than Nepal but there are still many older buildings that are unsafe. Most of California's building codes included earthquake safe foundations after 1974. Homes and building built prior to 1974 still need to be retrofitted for Earthquake.

Earthquake retrofitting is the best way to make your home safe. Costs start at $3,000, while homes built on a slope cost $20,000.

Before the advent of the CEA and lowering of the quality and cost of earthquake insurance available in 1997 30% of Californians had earthquake insurance. Now barely 10% have it. We have better quality and lower priced options for you to protect yourself, call us (650-328-1000) for a free review.

Driving for UBER?
Don't risk your car and assets for a quick buck. There currently is no policy you can buy to protect yourself.

Especially collision damage to your car which UBER doesn't cover. Uber tries to avoid any responsiblility for its drivers and its vehicles. This is a key part of their business plan. Uber's lame policy only has $1 million for injuries to your passengers and the other driver. A recent case in Kansas highlights these problems.

Attempts to rein in Uber has hit a deadlock as the company threatens to pull out of Kansas, citing higher insurance costs for its drivers. Last week, the state of Kansas proposed a bill that increases regulations on its drivers. The bill passed both chambers of the state legislature on April 2, but it drew vociferous protests from Uber's customers who sent an unprecedented deluge of emails that temporarily disabled the Legislature's email server.

The top ten claims against business owners
Make sure you are properly protected. According to The Hartford, 40 percent of all small businesses will face a general liability claims in the next 10 years. The company has analyzed over a million property and liability claims filed in the last five years to arrive at this conclusion. While burglary and theft are the most common reason for claim, the costliest claims centered around reputational harm which includes categories like slander and libel (defamation of character) and violation of privacy. Among top 10 Property and Liability claims, Reputational Harm was the costliest at an average claim of $50,000 and burglary and theft was the least costly at $8000. The eight other reasons for claims, in the order of cost are Fire, Product Liability, Customer Injury or Damage, Wind and Hail Damage, Customer Slip and Fall, Water and Freezing Damage, and Struck by Object.

The other most dangerous claims are employment practices liability and employee dishonesty. Call Allied Brokers (650-328-1000) for a full review of your business protection plan.

About Us
Insurance by Allied Brokers has been meeting the insurance needs of Bay Area individuals, professionals and businesses for over 50 years. Our clients depend on us to provide them the best insurance options and the most cost effective coverage. Because we represent the leading insurance companies in the nation, we can find the right insurance solution for every client and every contingency. We focus on giving you the right policy at the right price, so that you can focus on your life and your business.

Visit our website at to see what we can do for you. The 'Contact Us' page provides all the information you need to reach us. Or call toll free at 1-888-505-7988.

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