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
President
650-328-1000
In this Issue:
Client of the Month
We Appreciate Our Customers
Warning of "El Niños" with Flood Risks
New Coverage for Ridesharing Drivers
Open Enrolment for Obamacare
About Us
Client Alert:
Effective January 1, 2016, the California Contractors State License Board (CSLB) is requiring the Contractors License bond limit to be increased from $12,500 to $15,000. All new bonds issued with an effective date of January 1, 2016 or later will automatically reflect the new $15,000 bond limit.

Call us today at 650-328-1000 for more detailed information.
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'
December 2015 Newsletter!
Client of the Month
Daniel Reachert of DTR Construction Inc.

DTR Construction Inc. is focused on providing high-quality service and customer satisfaction - we will do everything we can to meet your expectations.

Our company is based on the belief that our customers' needs are of the utmost importance. Our entire team is committed to meeting those needs. As a result, a high percentage of our business is from repeat customers and referrals.

We would welcome the opportunity to earn your trust and deliver you the best service in the industry.

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 abcosales@alliedbrokers.com.

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' Sharks tickets.




October 2015 Winner
(from 128 client respondents) for a pair of FREE tickets to Sharks Game



Mark Neumann, CPA of Golden Gate Retirement Consultants Inc.

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

Warning of "El Niños" with Flood Risks
The National Oceanic and Atmospheric Administration's Climate Prediction Center in Maryland, has predicted that the winter of 2015, would be recording the strongest of "El Niños", since 1950.

With the impending "El Niño" about to strike this wet winter, California is just a heartbeat away from another kind of disaster. California has more than 13,000 miles of levees and the possibility that these levees could be weak due to severe drought conditions, opens up floodgates of fear of massive destruction. Consequently, everybody in California, especially those in the Bay Area, Sacramento and San Joaquin belt should be prepared for this wet winter, to expect floods.

If you haven't already insured yourself adequately for Flood Insurance, it would be prudent to take action immediately, to prevent loss and damage, to property and assets. Remember Homeowner's policies does not cover Flood Insurance.

In many cases we have better options than the standard FEMA poicy. Call us, Insurance by Allied Brokers, today at 650-328-1000, speak to one of our agents and make sure you are covered.

New Coverage for Ridesharing Drivers
As of November 2015, the State of California has approved the new auto insurance product and has made it available to all drivers of Uber, Lyft and Sidecar.

Coverage Offered

1. Your personal auto insurance coverage will be extended to cover you for "Period 1" for an extra surcharge of 8%. Period 1 is the time between signing in on the TNC app to time of pick-up.

2. New policy empowers the drivers to choose coverage required.

3. Has comprehensive and collision coverage.

4. Covers medical payments and personal injury.

5. The Rideshare Period 1 coverage ends once a pickup has been made.

6. The $1M coverage from the rideshare company is applicable only until the passenger exits your automobile.

In the State of California, Insurance by Allied Brokers is one of the few major Insurance providers, offering the new coverage for Uber, Lyft and Sidecar drivers. Call us today at 650-328-1000 and one of our agents will be glad to assist you.

Open Enrolment for Obamacare
Dates to Remember:

Open Enrollment Start Date: Nov 01, 2015
Closes on: Jan 31, 2016
Enroll by: Dec 15, 2015 to get coverage from Jan 1, 2016
Existing plans expire: Dec 31, 2015

Some Facts:

• Open enrollment is the only time, when you can enroll in a plan or make a change in your existing plan.

• Avoid paying penalties by maintaining minimum required coverage.

• If you missed the qualifying 2015 open enrollment and if you have a qualifying special event in your life, you are still eligible to enroll.

• One more option available is the Short Special Enrollment.

Give us a call today at 650-328-1000, speak to one of our agents. Further, our agents will guide you through the different "metal" plans and help you to choose the best 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 www.alliedbrokers.com 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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