Insurance by Allied Brokers
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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
Uber Called 'Criminal Enterprise' by Philadelphia Cab Owners
Earthquake strikes North California again
Ohio Refinery Fire reiterates the importance of Commercial Insurance
About Us
Customer Alerts:
Alumni Discount

If you haven't already heard Allied Insurance recently launched our new discount group for College Alumni.

Qualified policyholders will receive a 12.5% rating (for Allied Insurance) factor discount for being an Alumni of an accredited 4 year college or university. Please email us a copy of your diploma or other proof of graduation to receive this discount.

This discount is also available for Mercury Insurance (at 5%) and CALIFORNIA AUTOMOBILE (at 5%) insurance clients.
Contact Us:
Steve Fox
Steve Fox
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'
January 2015 Newsletter!
Client of the Month

Owen Halliday

DRE#: 01453658
Sereno Group

Phone: 650-492-0062

Owen specializes in Residential Real Estate in the areas surrounding Stanford. He also manages a number of corporate relocations for companies like Genentech/Roche, Google, Apple, AMAT, etc. As a long time resident, he is very involved with the community including Finance Chairman of the Los Altos Hills County Fire District, Local PTA, Honor Roll of Realtors, etc. Married with a daughter at Mountain View High School and one at Cal Poly, Owen and his family maintain a menagerie of 15 (or so) cats, dogs, rabbits, chickens, guinea pigs, rats, etc.

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' Sharks tickets.

Nov/Dec 2014 Winner (from 126 client respondents) for a pair of FREE tickets to Sharks Game

Carol Reade

Client for almost 30 years.

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

Uber Called 'Criminal Enterprise'?
Uber is a criminal enterprise says Checker Cab Philadelphia Inc which filed a lawsuit against them recently. Uber allegedly flouts all federal and state laws for vehicle and driver safety.

Most of Uber's cars are driver-owned who operate their cars as cabs on demand. However, personal auto insurance policies held by these drivers do not cover business use, which means, in case of an accident while driving their car as a taxi, neither is the vehicle covered, nor are the people, or other cars they damage.

The only option is to have a commercial auto insurance policy which provides $5,000 for Property Damage for any one accident, $15,000 for death or injury of any one person in any one accident and $30,000 for all persons in any one accident. While the premium may cost a minimum of $25,000 per year, there is coverage for liability or damage if the owner is involved in a business exposure.

Earthquake strikes North California again
On January 2nd, an earthquake of magnitude 5.3 struck off the coast of North California, close to Fernsdale, while on August 24, 2014, an earthquake of magnitude 6 struck Napa Valley and caused widespread damage there. While earthquakes striking California is nothing new or surprising, what is surprising is that very few people in the state have an Earthquake Insurance.

Most people assume that residential insurance policy covers earthquake loss but it does not. Most standard homeowners, mobile home owners, condominium, and renters' insurance policies do not cover earthquake damage. So, in case of an earthquake hit, one is dependent on government disaster-relief programs which may provide some relief but is not enough to replace one's home or belongings that are destroyed. This leaves home owners at severe financial risk.

Call Insurance by Allied Brokers today and have an exclusive Earthquake Insurance set up correctly and with the right coverage.

Importance of Commercial Insurance
On January 10, 2015, there were two fire accidents in crude oil refineries - one in Lima, Ohio and the other in a plant in Philadelphia. While the latter created less damage, the fire in the Ohio plant damaged pumps, compressors, and gutted several thousand liters of diesel and aviation fuel. The fire has temporary halted operations which will take a long time to ramp up to its original shape. Fires in oil refineries are nothing new. The same applies to other industries which are equally prone to industrial mishaps.

A Commercial General Liability Insurance (CGLI) is the best option for those industries, companies and businesses which are prone to accidents or mishaps. A CGLI covers property damage, worker injuries, theft and any eventuality that contributes to business interruption.

Having the right CGLI coverage can help the company recover with minimum business interruption and financial losses. Depending on the risk characteristics of your business, Allied Brokers can offer different coverage options.

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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