Business Commercial Insurance Riverside CA by RTG West Insurance Services, Inc

App Creator Liabilty Insurance Silicon Valley

2015-05-12T18:23:00.000-07:00

We provide insurance for cell phone app creators. We can give you a low premium cost and great coverage.

call us today at 951-789-4137 and speak to our insurance agents today. We provide all types of business insurance coverage for any type of industry.

Error and Omissions Insurance Quote 951-789-9300

2013-06-24T14:34:00.000-07:00

You must consider errors and omissions insurance coverage if you’re business provides a service to clients for a fee. RTG-West Insurance Services Inc., can cover printers and building-trades contractors, such as electricians, plumbers, HVAC installers and sheet metal workers and other service professionals

951-789-9300

Costly mistakes can happen – even to people with the best training and years of experience. It’s human nature. That’s why errors and omissions insurance is so important.

Who needs E&O insurance?

Errors and omissions insurance policies usually cover the business owners, both salaried and hourly employees, and can be extended to cover subcontractors working on behalf of the business.

As you may know, business liability insurance covers losses related to bodily injury, property damage or advertising injury. But what happens, and who pays, when a printer neglects to catch a typographic error on a large order of engraved wedding invitations? Or when a plumbing repair fails and causes an entire office to be flooded. That can be bad, and that does happen.

Resolving these issues with the purchase of errors and omissions (E&O) insurance can provide coverage for these types of losses. Errors and omissions insurance is a specialized liability protection against losses that are not usually covered by liability insurance. It protects you and the business you operate from a claim if a client sues for such things as negligent acts, errors or omissions committed during business activities or the like that result in a financial loss for the client.

Errors and omissions insurance has to be customized to meet specific needs of a business or industry. Thats why dealing with an experience advisor who understands your business needs and finds the facts for creating the right coverage is so important.

What type of insurance for Errors and Omissions should I consider?

Errors and omissions insurance policies vary from company to company, and are created to cover the common exposures particular to different types of businesses.

Sometimes a loss to an insured client may have occurred several years in the past on work or service previously done. The first time a mistake is apparent is when a court summons arrives in the mail. That’s why the retroactive date on a policy is so important.

Even with unwarranted claims and frivolous lawsuits, legal fees and other related expenses can burn up a company’s cash reserves, causing business hardship. Most E&O insurance policies cover judgments, attorney fees, court costs and settlements up to the limits of the policy.

Make sure to speak to an insurance specialist at RTG West Insurance Services today to discuss your needs. Call us today at 951-789-9300.

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Insurance Supplement Manufacturing California Coverage Business

2013-02-15T14:47:00.000-08:00

All supplement and supply chain health manufacturers, distributors and retailers need liability insurance at the best possible price. Business Insurances specialists at RTG West Insurance will help guide the new startup or seasoned management CFO with the proper coverages.

Lowest priced renewal quotes for supplement manufactures and others in the supply chain business of supplement manufacturing can start by sending us your policy coverages via the declaration page. We can quote your coverages for the best value before your policy renews. Fax us your information to 951-789-8367 and give us a call so we can discuss your coverage or other business information details at 951-789-9300

California Contract Manufacturing Insurance Quotes Liability

2013-02-15T14:29:00.000-08:00

California Contract Manufactures insurance and liability coverage plays an important role in protecting the financial stability of smaller supplement manufactures. Small online marketing firms who sell many products from promotional and gift to supplements many times require insurance or request a certificate of liability from retail and online outlets. Insurance for companies who create or manufacture private label products for other companies.

Insurance coverage for supplement manufacturing in California requires special treatment and experience in this sector of the economy. RTG West Insurance Services specialize in coverages for these types of companies. We also provide coverage for supplement manufacturing and private lable providers in Idaho. Utah contract manufactures can also rely on our expertise in specialized insurance coverages in this area. Give us a call now at 951-789-9300 and let one of our specialists help you with your insurance needs. You can also fax your upcoming insurance declaration page to us at 951-789-8367

Private Label Insurance providers.

Typical Condo and PUD Insurance requirements for financing

2012-09-03T18:40:00.002-07:00

If you are an instititutional property owner and property manager many times your financing needs require you to have special types of insurance in place.

What are the typical Condo and PUD insurance requirments

typically the Insurance Requirements need to have the following for many commercial financing needs

- (1) Hazard: blanket all risk policy with 100% replacement, deductible not to exceed 5% of policy face amount, (2) Liability: coverage must be $1 Million per occurrence, (3) Flood Insurance: lesser of 100% of insurable value or maximum coverage allowed per NFIP ;coverage of each unit should be the lesser of $250,000 or the amount of its replacement cost (I.e., the replacement cost of all units combined or the number of units x $250,000);deductible not to exceed $25,000 per building located in the flood zone, (4) Fidelity Bond: required for projects with over 20 units, coverage must be In amount sufficient to cover three months of HOA dues or meets requirements of state law.

Condominium project insurance master or blanket policies containing either of the following are prohibited:

· A blanket policy that covers multiple unaffiliated condominium associations or projects, or

· A self Insurance arrangement whereby the owners' association is self insured or has banded together with other unaffiliated associations to self Insure all of the general / and limited common elements of the various associations.

Talk to one our our knowledgable insurance agents at RTG West Insurance. We serve all of California including San Jose, Sacramento, Menlo Park, Riverside, Corona, Irvine, and Ontario.

Insurance for Landscape Contractors in Inland Empire

2012-09-03T18:30:00.002-07:00

We have great commercial insurance packages for Landscape contractors, commercial vehicles, general liability, equipment coverages, workers comp.

We service landscape contractors in the city of Riverside, Murrieta, Corona and Temecula areas. We provide coverage for businesses that provide has specialized in handling the insurance needs of the Green Industry since Since 1996 RTG West Insurance has been helping the Green Industry insurering many in the landscape contractor community. Landscape Contractors competitive group insurance programs and at the same time provide outstanding service. We continue that tradition today by providing our clients the most competitive quotes from the top insurance companies in the country.

We are competitive in tree trimming and removal services.

Whether you have 1 or large fleet of landscape vehicles we can handle the risk.

Professional Liability for mobile application developers

2012-05-25T17:27:00.000-07:00

Our new customer that develop mobile phone applications for iphone & android marketplace, came to us with a need for professional or errors & omissions liabilty insurance

Home Insurance Murrieta Ca for less 951-789-9300

2012-05-09T00:19:00.002-07:00

Affordable Homeowners Insurance from your agents in Murrieta and Temecula Insurance Specialists.

Call NOW 951-789-9300

What is homeowners insurance and who should buy this type of coverage? Homeowners insurance is one of the most popular forms of personal lines insurance on the market today. The typical homeowners policy has two main sections: Section I covers the property of the insured and Section II provides personal liability coverage to the insured. Almost anyone who owns or leases property has a need for this type of insurance. And many times, homeowners insurance is required by the lender as part of the requirements in obtaining a mortgage.

What is the difference between "actual cash value" and "replacement cost"? Covered losses under a homeowners policy can be paid on either an actual cash value basis or on a replacement cost basis. When "actual cash value" is used the policyowner is entitled to the depreciated value of the damaged property. Under the "replacement cost" coverage, the policyowner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices

Our business suggest the best coverages for you

What are the policy limits (i.e., coverage limits) in the standard homeowners policy?
[Note: this answer is based on the Insurance Services Office's HO-3 policy.]
Coverages A and B provide protection to the dwelling and other structures on the premises on an all risks basis up to the policy limits. The policy limit for Coverage A is set by the policyowner at the time the insurance is purchased. The policy limit for Coverage B is usually equal to 10% of the policy limit on Coverage A. Coverage C covers losses to the insured's personal property on a named perils basis. The policy limit on Coverage C is equal to 50% of the policy limit on Coverage A. Coverage D covers the additional expenses that the policyowner may incur when the residence cannot be used because of an insured loss. The policy limit for Coverage D is equal to 20% of the policy limit on Coverage A. The coverage limit on Coverage E - Personal Liability - is determined by the policyowner at the time the policy is issued. The coverage limit on Coverage F - Medical Payments to Others - is usually set at $1000 per injured person.

Where and when is my personal property covered?
Coverage C, which provides named perils coverage, applies to all your personal property (except property that is specifically excluded) anywhere in the world. For example, suppose that while traveling, you purchased a dresser and you want to ship it home. Your homeowners policy would provide coverage for the named perils while the dresser is in transit - even though the dresser has never been in your home before.

What factors should I consider when purchasing homeowners insurance? There are a number of factors you should consider when purchasing any product or service, and insurance is no different. Here is a checklist of things you should consider when you purchase homeowners insurance. First and foremost, purchase the amount and type of insurance that you need. Remember that if your policy limit is less than 80% of the replacement cost of your home, any loss payment from your insurance company will be subject to a coinsurance penalty. Also, determine the amount of personal property insurance and personal liability coverage that you need. Second, determine which, if any, additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement or the earthquake endorsement? Finally, once you have decided on the coverage you want in your homeowners insurance policy, you can now decide which insurer you would like to purchase the insurance from. Some people like the idea of purchasing insurance from a mutual company rather than a stock company. You should also decide whether you would like an insurance agent to assist you in your purchasing decision or if you would like to buy the product directly from an insurer without the assistance of an agent.

Call one of our agents now for more information

RTG West Insurance Services Inc 951-789-9300

Wokers Compensation Insurance Corona Ca Affordable 951-789-4137 at RTG West Insurance

2012-05-08T23:44:00.000-07:00

Cheap Workers Compensation Insurance Quotes in Corona and Anaheim Hills, Ca right now at 951-789-9300

Workers' compensation insurance or workman's compensation insurance covers injuries and occupational diseases picked up at work. Fault doesn't matter; employers are liable even if the employee may have contributed to the injury or illness.
Yes, liability for the employer

It's required in every state except Texas, and specifics vary from state to state. Workers' comp can cover all these areas:
Injuries or loss of limbs,
Diseases like emphysema or repetitive motion,
Injury inflicted at work,
Medical treatment,
Rehabilitation needed so workers can return to work,
Lost wages (up to two-thirds of the employee's salary),
Death,
Liability Insurance for the company for lawsuits filed by injured employees.

We have assembled some of the cheapest and affordable resources on Worker's Compensation Insurance. Click here for workers compensation insurance, workers insurance and/or workman's compensation insurance for small and big businesses.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation and it covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business.

Talk to RTG West Insurance at 951-789-9300 so we can handle your inquiry and get you a speedy quote.

Group Health Insurance Murrieta Ca 951-789-9300 RTG West

2012-05-08T21:27:00.003-07:00

Your Temecula Group Health Insurance experts at RTG West Insurance shows you how to manage the rising cost of group health insurance in California

1. Keep employees healthy. Institute a comprehensive wellness program that includes disease management for afflictions such as asthma and diabetes, as well as offering flu shots, cancer screenings, smoking-cessation sessions and a round-the-clock phone line staffed by nurses. In a report by the U.S. Department of Health and Human Services report, “Prevention Makes Common Cents.” Likewise, heavy machinery manufacturer Caterpillar estimates that a wellness program will save alot of money.

Such wellness programs don’t just keep company accountants happy. They’re also popular with workers.

2. Reduce coverage. Cutting coverage or asking your employees to contribute more to the plan is a logical step to reducing small business health insurance costs. The downside of this strategy is that it will likely prove unpopular with workers.

It's fairly common for businesses to exclude dental and vision insurance, but talk to your employees to see what they want covered. They might opt for having dental and vision insurance and a health savings account, for example.

Affordable group health insurance has been, and continues to be, the preferred mode of health insurance for between 175,000,000 and 200,000,000 Americans, according to the National Conference of State Legislatures. At the heart of any group plan is the simple fact that insurance companies stand to make more money as they insure more people. Since businesses, religious organizations, and professional groups provide insurers with pre-assembled groups of willing customers, insurance providers are willing to negotiate lower group rates in exchange for the opportunity to gain customers en-masse. In the end, everybody wins.

Call us now and talk to a Group Health Specialist 951-789-9300. You can also click the logos for our providers on the right anytime to get started --------->

Commercial Auto Insurance Murrieta Ca 951-789-9300

2012-05-08T17:30:00.000-07:00

Inland Empire Commercial Auto Insurance specialists RTG West at 951-789-9300 can help you find the best business coverage for your autos and trucks.

here are a few tips to keep your premiums low and save money on commercial auto insurance in Temecula, Murrieta, San Diego, Los Angeles and anywhere else in California

Monitor Your Employees’ Driving Records — Driving records influence rates, so business owners should notify potential hires that they could review their Motor Vehicle Records (MVRs). Ask your local independent insurance agent for help with this. While a Commercial Driver’s License (CDL) may not be required to operate your vehicle(s), you may find drivers who have them are more skilled and could qualify for pricing discounts.

Keep an Eye on Your Credit — Some insurance companies use information about your credit history in helping to determine your rate. Ask your agent specifically what information each company looks at so that you understand what’s influencing your premium — positively an

Make Sure You Have Continuous Coverage — Never let your insurance lapse; if you do, you most certainly will pay more for your next policy because most insurers want to see proof of prior coverage.

Ask Your Agent About Discounts — There are a lot of them out there. For example, RTG West Insurance offers discounts to companies who pay in full, have been in business for more than three years, and more.

So talk to us today: 951-789-9300

Errors and Omissions Insurance Riverside Ca 951-789-9300 RTG West

2012-05-08T16:39:00.000-07:00

Your local Insurance Agent at RTG West Insurance Services Temecula, Ca

Why do you need errors and omissions insurance?
If you have a professional services business, having errors and omissions insurance coverage can be an integral part of protecting your business. Accusations of negligence or the failure to perform your professional services are things that any professional services business can be sued for, even if it hasn't made a mistake.

You should seriously consider this coverage if your business:
provides a professional service.
regularly gives advice.
is required by its clients to have E & O insurance.

Who needs E&O insurance?
The best-known professionals who need E&O insurance are
doctors,
lawyers,
accountants,
architects,
engineers, etc.
However, less thought about individuals range from advertising agencies to commercial printers, Web hosting companies to wedding planners. If you are in the business of providing a service to your client for a fee, you have an E&O exposure. You may want to consider what will happen if the service is not done correctly or on time, and it costs your client money or harms their reputation.

Why does my company need coverage?
To put it very simply, everyone makes mistakes. Even with the best employees and the best risk management practices in place, mistakes will be made. No one is perfect.

If a freight forwarder sends a shipment to South America instead of South Africa and it is a time sensitive shipment and their client loses a sale and, therefore, hundreds of thousands of dollars, who will pay the loss?

If a wedding planner reserves the reception hall, the band, the caterers, etc., for May 22 instead of May 29 and everyone shows up except the wedding party and guests, who pays? And imagine the emotional distress caused to the bride if this were to happen!

There is also the less tangible loss of reputation for both the professional and his client. What will the cost be to the business that now has equipment in South America instead of South Africa? Will they lose future contracts with their current client as well as future clients?

By not purchasing E&O a company can be taking a serious financial risk. These types of losses are not covered under a general liability policy. And, as stated earlier, even if you are not at fault, litigation is both time consuming and expensive.

Here are some steps you can take to mitigate claims:
• Always have a written contract that spells out what will be done, what will not be done and what the fees will be.
• Communicate throughout the job and keep the expectations realistic.
• Have quality control procedures in place and use internal and external audits to check them.

That’s why it’s important to discuss your options with a specialist at RTG-WEST INSURANCE SERVICES, INC. who can help you find the right coverage options for all your business needs.

Workers Compensation Insurance Temecula Ca 951-789-9300

2012-05-08T15:23:00.003-07:00

Wokers Compensation Insurance in Temecula, Ca by the experts at RTG West Insurance Services, Inc.

RTG-WEST INSURANCE SERVICES, INC. understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they’re properly protected.

Having the right Workers Compensation plan from RTG-WEST INSURANCE SERVICES, INC. can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.

Workers Compensation can cover financial obligations such as:
An injured employee’s medical expenses/treatment
The replacement of lost wages from injury time off
If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages.

That’s why it’s important to discuss your options with a specialist at RTG-WEST INSURANCE SERVICES, INC. who can help you find the right coverage options for all your business needs.

951-789-9300

Works Compensation Insurance Murrieta Ca RTG West 789-9300

2012-05-08T15:14:00.001-07:00

Small commercial Business in Murrieta Ca need afforadable workers compensation insurance premiums.

If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. That’s why it’s important to discuss your options with a specialist at RTG-WEST INSURANCE SERVICES, INC. who can help you find the right coverage options for all your business needs.

951-789-9300 CALL now for a fast quote

Workers Compensation Insurance Riverside Ca Affordable

2012-05-08T14:45:00.000-07:00

Riverside, Ca Workers Compensation specialists at RTG-West Insurance Services, Inc. 951-789-9300

While now is the time to reduce costs when possible, it is definitely not the time to cut corners at the expense of employees' safety or protection. So here are some quick considerations for nearly every business

1. Consider the total cost of insurance ownership.

2. Select the right solution for your needs.

3. Safer work environments save money.

4. Look to build a true partnership.

5. Today, more than ever, financial strength matters.

6. Follow a proven service model with programs in place to help contain medical costs.

7. Know your bench of experts and leverage their expertise.

8. Make a formalized return to work program part of your culture.

9. Hire the right people for the job.

10. Examine the validity of workers' compensation claims and injuries and know how to act on the invalid ones.

Remember to Encourage and reward safe work practices. Be sure to provide the proper training and instruction employees need to perform their jobs safely -- starting on day one. Then look for opportunities to offer ongoing education in the form of workshops, training, and seminars to help employees stay up-to-date on the latest safety practices for their jobs.

Bring employees back to work faster. The longer injured employees stay out of work on disability, the higher wage replacement and medical costs -- and, therefore, your workers’ comp premiums -- will be. To reduce this time as much as possible, create a formal return-to-work program that encourages injured employees to get back to work as quickly as they can.

Your program might allow injured employees to come back to work on a modified schedule or part-time or limited basis at first. At the same time, injured employees need to feel safe when they return to work, so take any necessary steps to address the cause of their accident and help ensure that it won’t happen again.

Very important: Create a corporate wellness program. Healthy and fit employees are less likely to become injured on the job. Wellness programs run the gamut, from providing subsidized health club memberships or an on-site gym for employee use to offering employees the services of a personal trainer or dietitian, either paid for or subsidized by the company.

Some other considerations

It suggests closely examining the proof points of each carrier and TPA by asking questions such as: Do they have a proven track record of success insuring or servicing similar risks in your industry? Is it backed by 24/7 service and support and the ongoing flexibility to add products and services as needed? Is the program customizable to fit your specific needs with the potential for systemic savings based on your organization's performance over time?

If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. That’s why it’s important to discuss your options with a specialist at RTG-WEST INSURANCE SERVICES, INC. who can help you find the right coverage options for all your business needs.

Workers Workmans Compensation Insurance California Affordable NOW

2012-05-04T02:11:00.003-07:00

Keep Your Employees Protected.

RTG-WEST INSURANCE SERVICES, INC. understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they’re properly protected.

Having the right Workers Compensation plan from RTG-WEST INSURANCE SERVICES, INC. can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.

Workers Compensation can cover financial obligations such as:

An injured employee’s medical expenses/treatment
The replacement of lost wages from injury time off

If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. That’s why it’s important to discuss your options with a specialist at RTG-WEST INSURANCE SERVICES, INC. who can help you find the right coverage options for all your business needs.

Personal Umbrella Insurance Riverside Ca USA

2012-05-04T02:01:00.000-07:00

Be Ready for Anything and Everything.

Personal Umbrella Liability is one of the most commonly overlooked policies, but in the case of a catastrophic financial event, it could be the best line of defense you’ll ever have. If you’re involved a major auto accident or if someone gets injured on your property, you could be sued for damages well beyond the liability coverage provided by your Home and Auto Insurance policies.

In such a critical situation, having Personal Umbrella Insurance from RTG-WEST INSURANCE SERVICES, INC. will protect your home, car, future wages, and all of your priceless assets from being used to pay for the expenses.

Coverage That Keeps You Protected

An Umbrella Liability policy from RTG-WEST INSURANCE SERVICES, INC. works to give you additional protection when damages exceed the liability coverage of your standard policies. It also offers extra security for many situations that may not be included in your basic insurance.

Personal Umbrella insurance can be applied to events such as:

Car Accidents
Accidental injuries on your property
Accidents involving your boat, ATV, or other recreational vehicle
Golf Course Injuries
Defense fees and other legal costs
Personal Injury Coverage for claims of libel, slander, and more

At RTG-WEST INSURANCE SERVICES, INC., we are committed to the safety and security of you and your family, which is why we will work with you to create a perfect policy that protects all of your interests. Since Personal Umbrella Insurance will vary depending on your individual coverage needs, it’s important to discuss your options with one of our insurance specialists before making a decision.

Affordable Motorcycle Insurance recreational vehicles

2012-05-04T01:44:00.000-07:00

Protection for the Open Road.

Whether you ride a street bike, cruiser, touring bike, or even a custom chopper, your motorcycle is synonymous with two things: freedom and adventure. You enjoy the freedom and excitement of the open road and long for the adventure it brings, but with adventure comes uncertainty, and with freedom comes responsibility. And while you may not know what lies over the next hill, the right coverage can ensure that you're prepared for it all.

A Motorcycle Insurance policy from RTG-WEST INSURANCE SERVICES, INC. is designed to be as unique as the bike and the owner it protects. Make sure you choose the protection that’s right for you with a range of coverage options to secure you and your bike, such as:

Collision Coverage
Theft
Vandalism
Damage caused by Uninsured or Underinsured Motorists
Bodily Injury Liability
Property Damage Liability
Medical Payments Coverage
Guest Passenger Liability
Additional Motorcycle Coverage Options

At RTG-WEST INSURANCE SERVICES, INC., our service doesn’t stop when you walk out the door. With special features like additional Roadside Assistance, Towing and Labor Costs, and Replacement coverage for custom parts and equipment, you’ll never be alone on the road. You can even receive multi-policy discounts and safety course rewards to help you combine and save.

Our team of professional insurance representatives will assist you in deciding which Motorcycle Insurance plan is right for you by determining the discounts and special features you may be eligible to receive.

Prepare for whatever the open road may bring with a comprehensive Motorcycle Insurance policy from RTG-WEST INSURANCE SERVICES, INC..

California Key Person (Key Men) Insurance coverage

2012-05-04T00:21:00.004-07:00

Employees are Valuable Assets Too.

Many companies have important key figures whose expertise and talents are crucial to maintaining profitable and productive business operations. From the savvy and influential executive to the creative thinker behind the company’s greatest ideas, RTG-WEST INSURANCE SERVICES, INC. knows that some talent is simply too difficult to replace.

Key Person, or Key Men, Insurance provides financial support for business owners in the event that death or permanent disability results in the loss of an employee who is essential to business operations.

This policy helps assure that business can continue as planned while you look for a suitable replacement. In addition, it affirms the importance of the talent that the Key Person brings to your business.

Several business benefits are built into your RTG-WEST INSURANCE SERVICES, INC. Key Person Insurance, such as:

Coverage that acts as a business asset for enhancing your company’s creditworthiness
Cash value of the policy that may be available to your business as a loan if needed

A policy that can be converted to a retirement bonus for the key employee

At RTG-WEST INSURANCE SERVICES, INC., our professional and knowledgeable insurance specialists are sensitive to your needs as a business owner and dedicated to providing all of your commercial insurance solutions. Talk to a representative today to learn more about what Key Person Life Insurance can do for your business.

Personal Identity Theft Affordable Protection

2012-05-04T00:15:00.001-07:00

Get Back to Being Yourself.

Identity Theft has become the fastest growing white-collar crime in America. All it takes is your name, social security number, and date of birth, and a thief can apply for everything from a credit card or a bank loan to even an insurance policy. Having your identity stolen damages your sense of security, but the real hardship may be how difficult, time-consuming, and expensive it can be to restore your credit and get your life back on track.

Identity Theft coverage from RTG-WEST INSURANCE SERVICES, INC. is a simple and affordable way to protect you and your family from this growing threat. By adding ID coverage to your current Homeowners, Condo, or Renters Insurance policy, you’ll receive invaluable tools to help cover the costs and expenses of restoring your identity.

Included in a policy with Identity Theft protection are expenses associated with:

Attorney Fees
Costs of Certified Mail
Loan Re-Application Fees
Costs of Long Distance Phone Calls
Reimbursement for Lost Income
Costs of Executing Affidavits
Our Goal is to Secure Your Identity

In addition to helping you get your finances back in line, RTG-WEST INSURANCE SERVICES, INC. also offers some of the best service in the industry, with round-the-clock assistance from experienced professionals. Our Identity Fraud experts will work with you one-on-one to quickly assess your situation and take action to:

Stop further damage to your credit by contacting major credit bureaus
Make all required phone calls to creditors, banks, and agencies with whom you do business
Assist in replacing valuable documents like your driver’s license, passport, or social security card
Provide an emergency cash advance if theft occurs while away from home*
Having your identity stolen is frustrating enough. Having to recover and restore your credit and finances should not have to be. Talk with a specialist at RTG-WEST INSURANCE SERVICES, INC. to learn how Identity

Theft coverage can help save you time, money, and a whole lot of pain.

*Restrictions and limits apply

Homeowners Property and Liability affordable Insurance

2012-05-04T00:11:00.002-07:00

Strength and Stability for Your Home.

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at RTG-WEST INSURANCE SERVICES, INC., we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

Fire and Lightning
Collisions from Vehicles or Aircraft
Hail
Sewer/Drain Backup
Windstorm
Vandalism
Volcanic Eruption
Smoke
Freezing Conditions or Snow
Property Insurance Options to Consider

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative at RTG-WEST INSURANCE SERVICES, INC. who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy.
In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with RTG-WEST INSURANCE SERVICES, INC. before making a decision.

Califronia Group Health Insurance low premiums

2012-05-04T00:05:00.001-07:00

Benefits That Keep Your Employees Happy.

As an employer in today’s business world, RTG-WEST INSURANCE SERVICES, INC. knows how important it is to provide Health Insurance to the most valuable asset of your business – your employees. By providing each employee with a plan that meets his or her expectations, it can help your business lower turnover and keep a staff that’s healthy and insured with peace of mind.

At RTG-WEST INSURANCE SERVICES, INC., we’re proud to offer a variety of Group Health Insurance plans for small to mid-sized businesses – for quality assurance and additional benefits.

Our Health Insurance specialists will work with you one-on-one to develop a Group plan that’s not only affordable, but complements your business’s needs.
Which Plan is Right for Your Business?

Group Health Insurance plans typically include either Indemnity Plans, such as Fee-for-Service (FFS), or Managed Care Plans, including: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of Service (POS).

The major difference between Indemnity and Managed Care Plans is the types of providers, choices of doctors and physicians, out of pocket expenses, and medical bill payments.

Since Group Health Insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it’s important to discuss your business’s Health Insurance needs with a specialist at RTG-WEST INSURANCE SERVICES, INC. who can help you find a solution that’s ideal and feasible for you and your employees

California Farm Owners Insurance Cheap Prices

2012-05-03T23:58:00.002-07:00

You’ve Made It Your Living. Keep It Protected.

There are probably a lot of reasons for why you chose to make your living on the farm – from the independence and freedom that comes with owning your own business to knowing the value of a hard day’s work. At RTG-WEST INSURANCE SERVICES, INC., we’re in the business of seeing yours succeed. We know that your farm or ranch provides a valuable service to the community, and we’d like to return the favor by offering you the comprehensive protection you deserve.

A Farm Owners policy from RTG-WEST INSURANCE SERVICES, INC. is an all-inclusive and customizable insurance solution to secure your land, your property, and your finances against a number of inevitable situations that can arise on your farm. The basic package includes property coverage for your dwelling, personal property, and other structures, as well as the added peace of mind that comes with comprehensive liability coverage.
Dwelling

For most people, a farm is more than a place to work – it’s also where you lay your head after a long day. Under the dwelling portion of your Farm Owners policy, RTG-WEST INSURANCE SERVICES, INC. will help pay for damages to your home and any attached structures for all accidents and perils included in your policy.
Personal Property

Your Farm Owners policy also covers losses that may arise due to the damage or theft of personal belongings such as clothing, electronics, or home appliances. Items used in daily farm operations such as machinery, automobiles, and animals are not eligible for coverage under the personal property section of your policy, as they require additional protection.

Liability

Liability protection from RTG-WEST INSURANCE SERVICES, INC. helps pay for legal fees, medical expenses, and other losses that you may be held liable for that result from covered injuries or damage to other people’s property. Further coverage options, including employee injury liability, are available for an additional premium.

California Special Event Insurance

2012-05-03T23:54:00.001-07:00

Ensure the Success of Your Big Day.

Anniversaries, birthday celebrations, graduation parties, and weddings - these are all special events that celebrate important moments in a person’s life. Planning such an event often involves a lot of time, money, and effort, all in the hopes that everything goes as expected.

RTG-WEST INSURANCE SERVICES, INC.'s Special Event Insurance is designed to provide you with peace of mind and financial protection in the event you have to cancel your special plans due to adverse weather conditions or a natural disaster. Most policies also cover cancellation when serious injury or illness prevents a key participant from attending the event.
Wedding Insurance

Your policy can even help you recover some of the costs if a key vendor of your wedding, such as the caterer, florist, or photographer fails to show up. Additional options for your Special Event Insurance are available and can include coverage for:

Gowns and tuxedos
Theft or damage to gifts
Extended coverage for honeymoon cancellation
Professional counseling if the cancellation of the event causes severe emotional distress

Most event sites have their own liability insurance; however, if you decide to hold your event at home, you may also want to purchase Liability Coverage that extends beyond your Homeowners policy.

Ensuring that your wedding is protected is an important part of planning for it. Since Special Event Insurance is designed on an individual basis, it’s important to discuss your specific insurance needs with a professional. Contact RTG-WEST INSURANCE SERVICES, INC. today to learn more.

Business Owners Policy (BOP) for Riverside, Ca

2012-05-03T23:49:00.002-07:00

Combined Coverage for Special Advantages.

At RTG-WEST INSURANCE SERVICES, INC., we’re committed to providing insurance solutions that keep small to medium-sized businesses protected. That’s why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.

A Business Owners Policy (BOP) from RTG-WEST INSURANCE SERVICES, INC. allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.

The proper Business Owners Policy can keep your day-to-day operations protected with options such as:

Products and Completed Operations
Premises Liability
Premises Medical
Fire Legal Liability
Business Income Insurance
Building and Personal Property Protection
On-Site Equipment Insurance
Coverage for Inventory Loss
Crime Insurance
Find Out if Your Business is Eligible

Since Business Owners Policies apply only to special types of businesses with specific needs, operations, and risks, it’s important to contact a specialist at RTG-WEST INSURANCE SERVICES, INC. who can help you determine whether a BOP is right for your small or medium-sized business.