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Securum, LLC

14405 SE 36th St. Suite 214
Bellevue, WA 98006

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Tag: insurance

What Happens If You’re Hit By an Uninsured Driver?

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If you drive in the state of Washington, you are legally required to have auto insurance. But what happens if someone who doesn’t carry auto insurance, despite the law, hits you and causes damage or injuries?

What Happens If You’re Hit By an Uninsured Driver?

Some people recklessly drive without auto insurance. What would happen if your car were hit by an uninsured driver? Many auto insurance policies include uninsured motorist coverage. If your policy has this, it would cover the damage to your car, along with your policy’s collision coverage.

In addition to damage caused by uninsured motorists, uninsured motorist coverage will help you pay for repairs if your car is damaged by a hit-and-run driver. Sometimes, the other driver may have insurance, but their policy doesn’t offer enough funds to cover your repairs. This is known as an underinsured driver, and the same coverage in your policy will help you repair your car.

Call Us for an Appointment

Our team takes pride in being an independent agency. This means our staff at Securum LLC can offer a wide range of auto insurance options. Drivers in the Bellevue, WA, area will find we are always ready to listen to you and help you find the insurance you need. Call us for an appointment and let us help you drive with the insurance protection you need.  

How Commercial Insurance Protects Against Product-Related Risks

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Product-related risks can devastate businesses overnight, making commercial insurance protection critical. Securum LLC in Bellevue, WA, understands that companies manufacturing, distributing, or selling products face unique liability exposures that require specialized coverage. The right commercial insurance strategy can mean the difference between surviving a product claim and facing financial ruin.

Product Liability Coverage Essentials

Product liability insurance protects your business when products cause bodily injury or property damage to third parties. This coverage handles legal defense costs, settlements, and judgments resulting from defective products, inadequate warnings, or design flaws. Whether you manufacture electronics, food products, or industrial equipment, this protection covers claims arising from products that leave your premises and harm consumers or damage their property. Even businesses that simply distribute or retail products manufactured by others need this coverage, as liability can extend throughout the entire supply chain.

Recall and Contamination Protection

Product recall insurance covers the enormous costs associated with removing defective products from the market. This includes notification expenses, transportation costs, disposal fees, and lost profits during the recall. For food manufacturers and distributors, contamination coverage addresses spoilage losses and the expense of replacing contaminated inventory. These specialized coverages protect against scenarios that general liability policies typically exclude, filling critical gaps in protection.

Professional Liability for Design Risks

Companies involved in product design and development need professional liability coverage for errors and omissions in their professional services. This protection addresses claims alleging inadequate design specifications, faulty testing procedures, or negligent professional advice that contributes to product failures.

Comprehensive Risk Management

Product-related exposures require sophisticated insurance solutions tailored to your industry and operations. Contact Securum LLC in Bellevue, WA, to develop a comprehensive commercial insurance program that protects your business against product-related risks.

Do I Need to Get More Home Insurance After Remodeling?

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Many remodeling projects can increase the value of your home in Lynnwood, WA, especially those involving upgrades to your kitchen or bathroom. Not only does the value of your home increase, but so does the rebuilding cost if your residence suffers damage or destruction from a covered risk. Securum LLC can help you determine the best coverage level for your home after renovations.

Why Update Coverage?

If you want the same quality materials incorporated in your renovations, rebuilding will cost more. Without adjusting your dwelling coverage (Coverage A), you could face out-of-pocket expenses to replace the improved structure after a covered loss. Additionally, your personal property values may increase. Some improvements also come with an increased liability risk. For example, building an in-ground swimming pool or a large above-ground model requires a review of liability limits. Similarly, constructing a guest house or rental unit may necessitate higher limits in case of accidents or injuries in these areas.

Steps to Take

Discuss the scope of your remodeling project and its potential impact on your policy with your insurer. Evaluate your current insurance to identify areas where you may need additional coverage. Document all changes by taking before-and-after photos of the renovation or addition. Depending on the work done, your insurance agent may recommend a renovation endorsement or a separate builder’s risk policy to provide proper coverage during the construction period. Increase coverage as needed once the project is complete.

Minor projects, such as new carpeting or flooring, typically don’t require additional insurance. Risk-reducing upgrades, like installing a security system, sprinkler system, or new roof, may even lower your premiums.

Discover which residential upgrades will significantly affect your home insurance by speaking with an agent at Securum LLC. Contact our Lynnwood, WA, office today to schedule your appointment.

Partner Carriers

  • Berkshire Hathaway Guard
  • Bristol West
  • Foremost
  • Liberty Mutual
  • Mainstreet America
  • Nationwide
  • National General
  • Oregon Mutual
  • Progressive
  • Safeco
  • Stillwater
  • The Hartford
  • Travelers