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Securum, LLC

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

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Do You Have Enough Liability Coverage for Your Boat?

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Liability coverage is an important type of boating insurance. It provides protection if your boat, towing equipment, or other boating essentials cause an injury or damage. Review your boating plans. Then upgrade your boat insurance policy to match your boat and its use.

Boat and Experience Assessment

Consider the type of boat you own and how you use it. All the boating details that you research may indicate how much liability protection you need to be comfortably insured.

If you own a boat that can travel at fast speeds, the chance of being involved in an accident may be elevated. If you are fairly new to operating a boat, you may be concerned about being involved in an accident that results in physical harm or property damage. Your assessment results will help you focus on your liability insurance needs.

Towing Equipment

If you own towing equipment that you plan on using when operating your boat, the threat of injury or damage may increase. Towing equipment can be covered by your liability insurance. If any of the equipment harms someone else or causes damage to another person’s property, this coverage could keep out-of-pocket costs down. 

Water Toys

Consider other items on your boat, such as recreational toys. If any of them could cause harm or damage, you may want to add them to your boat insurance policy.

Services for Boat Owners in Bellevue, WA 

If you need further assistance with your boat insurance policy, contact one of our Securum LLC agents. A qualified insurance agent will make sure that you have the liability insurance you need.

Should Farmers Consider Umbrella Insurance?

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Farming, ranching, and/or running an agribusiness can be a very rewarding venture. Even so, there are many perils that aren’t covered by regular insurance policies. Umbrella insurance for farmers offers an additional layer of protection that can be a lifesaver in the event of a natural disaster, accident, or unforeseen mishap.

What Is Umbrella Insurance?

Umbrella insurance is an insurance policy that raises the liability limit of a regular liability insurance policy. If you need to pay damages higher than what’s covered by your liability coverage, umbrella insurance will make up the difference.

Umbrella insurance coverage will depend on the policy you pick, but common forms of coverage include:

  • Personal injury to third parties
  • Bodily injury to third parties
  • Property damage
  • Medical bills
  • Legal representation
  • The cost of paying a settlement or judgment

How to Choose the Right Policy

Bellevue, WA farmers and ranchers who are interested in umbrella insurance coverage should shop around to see which form of coverage best meets their needs. Independent insurance agencies can be the best bet as they offer policies from multiple providers and can help clients understand the pros and cons of each policy. You can also talk with your insurance agency about adding policy riders or removing perils that don’t apply to your agribusiness (for instance, you don’t need coverage for damage caused by livestock if you don’t own any).

Call Securum LLC for More Information

Securum LLC, serving Bellevue, WA offers top-tier customer service as well as multiple policy options from leading insurance agencies. Call us today, and we’ll help you review your umbrella insurance policy options and pick (or customize) the policy that’s the best fit for your situation.

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.

Get More Liability Coverage by Adding Umbrella Insurance

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As a homeowner and vehicle owner, you likely have both home and auto insurance. While these policies are essential, they may not provide as much protection as you think. One key coverage type in these policies is liability coverage. To enhance your liability coverage, consider umbrella insurance. It’s an excellent option for those who want more comprehensive coverage. To get started with umbrella insurance, contact us today at Securum LLC in Lynnwood, WA.

Ensuring Adequate Liability Coverage

Many people find that their existing insurance policies don’t provide enough liability coverage. This is a common issue, as many home and auto policies offer limited liability coverage. If an accident occurs and the bills exceed your policy’s maximum payout, you’ll be left to cover the remaining costs. Umbrella insurance can help by providing additional liability coverage for both your home and auto policies.

Handling Overages

When a policy reaches its maximum payout and can’t cover any more of the accident bills, umbrella insurance steps in. It will cover those overages for you, potentially saving you from significant out-of-pocket expenses.

Securing Umbrella Insurance in Lynwood

Umbrella insurance offers enhanced protection against accidents. To learn more, contact Securum LLC in Lynnwood, WA.

How commercial insurance can save your small business

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According to the Small Business Administration Office of Advocacy, 99.9% of all businesses in the United States are small businesses. Our team at Securum LLC in Lynnwood, WA, are independent agents and provide personalized service to all of our customers. We understand that small businesses face a wide variety of risks, and our job is to help customers secure the coverage they need for their business.

Commercial Property Insurance

Commercial property insurance covers both the building that houses your business if you own it, and the things that you use to conduct business. It varies from business to business, depending on what you do. It can include tools, display units, electronics, office furniture and equipment, machines, inventory, raw materials, and whatever else you use. Having insurance allows you to resume operations as quickly as possible.

Commercial Liability Insurance

Commercial liability insurance may be the most valuable coverage of all. Being sued is one thing that can sideline your business and is almost unlimited. One in three businesses will be sued every year. It can be a client, a customer, an employee, or a vendor. If they sue you, there may be a judgment to pay and certainly legal fees. It could close your business if you can’t pay.

Workers’ Compensation Insurance

In Washington State, all businesses must protect their employees with workers’ compensation insurance. It doesn’t matter how many employees you have.

Business Interruption Insurance

A small business may find it very difficult to survive many hazards. If your business is hit by a fire, theft, or other covered hazard, your source of income may dry up rather quickly. To survive, you need to pay your bills and payroll. If you have business interruption insurance, it will provide the money you need to stay in business.

Contact our office at Securum LLC in Lynnwood, WA, to get a quote for your commercial insurance.

Partner Carriers

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