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Securum, LLC

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

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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