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September 29, 2021 By Rick Rolfs

Selling on Amazon.com? We can help!

Amazon sellers which exceed a certain amount of gross proceeds in sales are required by Amazon to obtain liability insurance (review the Business Solutions Agreement with Amazon for complete details). We have access to the appropriate markets which provide this coverage through companies with excellent financial strength as rated by AM Best, the industry standard for determining an insurance carrier’s financial strength.

When is this insurance coverage required by Amazon?

Amazon makes the process as easy as possible for their sellers. The complete details of their requirements are located within the Business Solutions Agreement which can be located on their seller central website. Amazon may also send an email denoting their insurance coverage requirements, why their insurance coverage requirements apply, and explaining how to communicate proof of insurance to them, typically via seller central. Amazon commonly requests that their sellers obtain and maintain liability insurance with a limit of at least $1 million per occurrence and in aggregate, and cover liabilities caused by or occurring in conjunction with business operations, including products, products/completed operations and bodily injury.

Well, how much will this insurance coverage for Amazon cost?

Probably much less than the average cost of insurance coverage. These policies are primarily rated based on estimated total gross annual revenues. Therefore, higher gross annual sales would equate to a higher insurance premium. Another factor which affects the cost of this coverage are the products which are being manufactured and/or sold. This is accounted for by insurance companies under what is referred to as a class code.

There are also other factors and details which contribute to the cost of insurance. In order to determine the precise cost call us at (954) 251-3312 or click here to get in touch and we’ll provide a formal offer of insurance which will satisfy Amazon’s seller insurance requirements. Please also feel free to contact us for additional information.

Filed Under: Newsletter articles Tagged With: Amazon insurance, Amazon Seller, Amazon.com, Broward, Florida, Informational, Insurance, Insurance Agent, Liability insurance, Miami, Palm Beach, Pembroke Pines, Products liability, Rolfs Insurance Services

April 4, 2021 By Rick Rolfs

Heavy Rain? Be on the Lookout for Heavy Water Damage

Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry.

Spring rainstorms are a fact of life in many areas of the country, and they help keep things green, even if they keep you inside. But when they get heavy, it’s time to start thinking about the potential impact all that water has on your home. The first step is finding and fixing any immediate problems as soon as it’s safe to do so. Then, you’ll want to take measures to prevent those problems from happening during the next downpour!

A homeowners insurance policy may provide coverage for water damage with or without limitations, but does not provide coverage for flooding. Obtain flood insurance coverage to insure your home for floods.

Where is all that rain going? Check the roof and gutters to avoid interior water damage.

Your roof and gutters form a key line of defense for your home – and in a storm, they’re vulnerable, because so many things can damage them. Trees, hail, and other objects can create weaknesses that might lead to leaks in your roof, so check for missing shingles and other issues. And keep your gutters clear so all that water drains properly.

Are you checking everywhere? wind driven rain can lead to water damage from the exterior walls and openings.

Water dripping from the ceiling is hard to miss. Water in your crawl space, however, can easily go undetected because hardly anyone ever checks there. Don’t forget to look down there after a storm (or have a professional do it) to make sure everything is nice and dry. If you do see moisture, you’ll want to get it out with a sump pump as soon as possible to avoid further water damage.

And don’t just look up – another place to check is your home’s exterior, whether it’s siding, brick, or another material. Weak spots can be hard to see, so look at various times of the day in different lighting conditions.

Of course, you’ll want to make sure your doors and windows are properly sealed to keep the elements out, too. Consider purchasing electronic water sensing devices to detect interior water intrusion. Should water make its way inside your home these water sensors can alert you to help immediately begin mitigating any water damage. The most basic water sensors can be purchased for as little as $10 a sensor.

What about around your property?

Storm water has to go somewhere, and if your property doesn’t drain well, or if runoff goes toward your foundation, you could have problems. So watch for patterns, and grade property so it drains away from your home if possible. Always be wary of hillsides and tilting trees after heavy storms, because the land might not be stable.

And don’t forget to keep storm drains clear of leaves and other debris. This can prevent flooding both on the streets and your own property.

What should you do during the storm?

During powerful storms, stay inside. This is not the time to check your roof, your exterior, or your property unless there’s an emergency and you know it’s safe to go out. Monitor your interior, making sure no water is getting in. If it is, do what you can to alleviate the situation in the moment, even if it means just placing something under a leak to collect the water to prevent further water damage. For more serious problems, though, remember that safety is the most important thing. If your basement is flooding, for example, don’t go down there – you could be trapped and even drown.

Thankfully, powerful storms only hit once in a while. Preparing for them, however, should be on your mind a lot more frequently, because the next one could be tomorrow.


Reposted with permission from the original author, Safeco Insurance®.

Top image by Flickr user Victor U used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.

Filed Under: Flood Insurance, Newsletter articles, Water Damage, Weather Tagged With: Boca Raton, Broward, Deerfield, flood insurance, Florida, Fort Lauderdale, heavy rain, Hialeah, homeowners insurance, Lee County, Martin County, Miami, Miami-Dade, Miramar, Monroe, Palm Beach, Pembroke Pines, Port St. Lucie, protect your home from water, protect your property from heavy rain, rain, roof damage, roof leak, South Florida, spring storms, Storm Season, storms, wall damage, water damage, water damage insurance, water insurance, water mitigation, weather, Wilton Manors

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and the knowledge that you have proper financial protection in place — 954-251-3312

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