Our Blog

  • Does Your Friday Harbor Business Need Fidelity Bond Coverage?

    What is a Fidelity Bond? A fidelity bond, or employee dishonesty, is not insurance but it protects your Friday Harbor business against specific losses that may occur from the dishonest acts of employees. The fidelity coverage guarantees that the insurance company will pay the insured business for money or other property lost because of dishonest […]

    September 9, 2014

  • Product Liability Insurance

    If your San Juan Island business involves designing, manufacturing, selling, and distributing a product you understand that it can be exciting, involve hard work and can even be a bit risky. When the product you represent causes injury or damage to a third party, you need and deserve protection. You want your San Juan Island […]

    August 26, 2014

  • Professional Liability for Washington Businesses

    Today, almost any Washington business can find itself facing a liability lawsuit. A Professional Liability lawsuit can put owner’s personal assets at risk including homes, cars, and other possessions. One simple mistake could cause financial devastation, as well as end your professional career. Many Seattle area businesses don’t think they have an exposure to professional […]

    August 26, 2014

  • What Violations Will Cause Your Auto Insurance Rates To Increase?

    Auto Insurance Rate Increases There are many factors that may cause your Friday Harbor auto insurance rates to increase. These factors might include having a number of accidents, adding teen drivers or buying a newer car. The primary factors that will contribute to increased Friday Harbor auto insurance rates are moving violations.  Also, drivers who […]

    July 11, 2014

  • Flood Insurance, Do You Really Need It?

    Many homeowners decide to go without flood insurance. Some people figure the odds are low that anything will happen, while other people think that a flood is covered under their current policy. Let us correct you; unless you have added flood insurance coverage, it is excluded. We agree that the probability is low, nonetheless, it […]

    June 10, 2014

  • Do You Want Your Business To Be On The Cutting Edge In 2014?

      Keeping your business moving forward requires a lot of your attention. Every one of our clients wants their business to grow and to have their assets and resources protected. It is important to invest in tools and resources that will allow your business to thrive in 2014. Having the right kind of business insurance […]

    June 10, 2014

  • General Liability For Seattle Business

    We understand all Washington businesses are unique. Just because you are a small or medium sized business does not mean you are exempt from litigation. All businesses need General Liability Business Insurance to protect your organization from unforeseen events. General Liability Business Insurance should be the foundation of your insurance program. General Liability Insurance provides […]

    June 10, 2014

  • Cyber Liability Trends for 2014

    Cyber Liability continues to be a major issue for many businesses in 2014. Is Cyber Liability part of your Business Insurance Program? In today’s data-driven social media world, businesses of all sizes have had a cyber-attack or data breach. Statistics show 39% of all cyber incidents affect businesses with fewer than 100 employees. With the […]

    June 10, 2014

  • Replacement Cost Coverage

    Replacement cost coverage essentially means that the insurance company will replace the damaged or destroyed San Juan Island business or personal property with new.  Safe Harbor Insurance always recommends replacement cost coverage on your real and personal property. Replacement Cost (as defined by the International Risk Management Institute) A property insurance term that refers to […]

    June 10, 2014

  • Contractors Insurance

    Safe Harbor Insurance provides insurance and risk services to the construction industry. Insurance can play an important role in “on time and on budget” projects. If your insurance coverage is not written properly, your business may not survive financially. Your success depends on good planning whether you’re estimating a project, hiring good people, protecting your […]

    May 10, 2014