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
Customer Appreciation Drawing
Umbrella Coverage for Preventing Your Ruin
A new concern for Airbnb hosts
Traps in Home-Sharing Coverage Gaps
About Us
Our Team:
Steve Fox
Steve Fox
Mimi Watson
Mimi Watson
Scott Chin
Scott Chin
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'
September 2016 Newsletter!
Client of the Month
Timothy Broderick

Sexual Harassment Lawyer at Broderick Saleen

P: 650-856-6161
Visit Website

2600 El Camino Real, Ste. 506  |  Palo Alto, CA 94306

Timothy Broderick, trial attorney, has over 25 years of legal experience. Timothy B. Broderick has the highest rating in Legal Ability & Ethical Standard provided by the Peer Review Rating Process from Martindale-Hubbell.

"Tim has been our company's attorney and a client for over 20 years. He has always been extremely helpful and responsive whenever we have needed advice on legal matters. We have had very positive results and have referred him to friends and clients for everything from employee problems to a class action lawsuit. If your problem is not his specialty he knows someone good that can help." ~ Chris Grammar

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.

August 2016 Winners
(from 152 client respondents) for a pair of FREE tickets to Giants Game

Edward & Marianne Wylie

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

Umbrella Coverage for Preventing Your Ruin
Your auto policy has a limit of $250,000 for injuries to the third parties. We recommend that our clients purchase an additional coverage with a $1 million umbrella liability policy that costs just $350 per year. Here's a New York Times article that explains why this coverage is so important. read complete article...

A new concern for Airbnb hosts
You may have concerns about the people renting your home or apartment through short-term rental sites such as Airbnb, but the bigger problem may be with your insurance company.

Residents who offer up their homes through Airbnb could run the risk of not being covered by their insurance policy if something were to go wrong. Residents who offer up their homes through Airbnb could run the risk of not being covered by their insurance policy if something were to go wrong.

Homeowners and renters insurance policies carry an exclusion for business operations, said Chris Grammar, of Insurance by Allied Brokers in Palo Alto. Airbnb is considered a business, so a resident's claim could be denied, he said.

If you rent your home out, and there is a gunfight, a fire or a theft while the short-term renters are in your home, you're not covered, Grammar said. The same is true if a group of kids rent out a home for a rave or party and cause damage, he said. read complete article...

Traps in Home-Sharing Coverage Gaps
As a homeowner, renting out your property to vacation renters, gives your carriers the grounds to refuse coverage for a related claim, besides your carriers have the right to suspend liability and all coverage for the property. This could happen either at the time of renewal or right away by cancelling mid-term, because the exposure has now changed from a residential homeowner’s property to a business vacation renters. read complete article...

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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