What Small Business Owners Need to Know about Insurance

Small mistakes can cause huge problems for small businesses. Not having insurance puts your business at risk against lawsuits, accidents, and other damages. Our agents want you to know that we will help find a plan for you, regardless of the industry your business is in. So, what type of insurance do you need? INW Insurance Solutions can help you figure that out by helping you discover the necessary and additional insurances you can consider for your business. Additionally, many of our carriers don’t just insure individual needs—they can insure your business too!

Worker’s Compensation Insurance
If you have employees, most states may require your business to have some type of insurance such as worker’s compensation. Worker’s compensation does not eliminate the risk of accidental injuries when employees are working, but it does provide coverage for employees when they are injured from work related instances. For example, Markel Specialty’s policy can provide benefits for lost wages, medical care, rehabilitation services, legal representation, and funeral expenses. After all, your employees are valuable to your business, so it is important to protect them.

Commercial Property Insurance
Don’t let a damaged sign or broken window be the first impression customers get when visiting your business. Whether your business is located in an office, retail store, or even inside your home, we recommend having commercial property insurance for your business. In the event of fire, storm, or vandalism, having property insurance can help relieve some stress since it can aid in restoring or replacing items including documents, equipment, and fixtures that were lost or damaged.

General Liability Insurance
No industry is exempt from a lawsuit. And all it takes is one bad lawsuit to shut your business down. Therefore, having general liability insurance is important in case your business is found to be responsible for injury or damages. General liability can help cover the costs related to medical and legal expenses. You can consider adding additional endorsements such as liquor liability, product liability, or fire legal liability with Nationwide which can enhance your basic policy to be more specific to your business.

Additional Insurance
Insurance for your small business proves to be necessary when the unexpected happens. As your business continues to grow, it would be best to update your plans and add more coverage such as commercial umbrella insurance. You may want to consider commercial umbrella insurance if you believe your business may be more vulnerable to costly lawsuits and damages that exceed your policy limits.


You’ve put your dreams and passion into your business. But have you thought about the risks that could put your hard work out of business? With INW Insurance Solutions, you can focus on your business entirely instead of worrying about comparing multiple insurance carriers. We work to find you the best protection for your business. Our carriers such as Nationwide and Markel Insurance provide great plans for small businesses. Give us a call or visit our office where we can discuss the specific details of the small business you have and offer recommendations on the plans that best match your needs.

Why Cheap Insurance Isn’t Cheap

Picking the cheaper option always sounds enticing, especially when it comes to thinking about ways on how to save money. Our paychecks dwindle away from rent, bills, car payments, and errands but is cheaper the best way to go with something like insurance? At INW Insurance Solutions, there is a big difference when it comes to the protection you’ll get with a cheap insurance option and an affordable one.

No one ever wants to pay more than they have to. During this difficult time where many are facing reduced hours or major life changes, you may be considering switching your insurance to a cheaper plan. However, getting cheaper insurance could end up costing you more. Cheap policies mean less protection and if something happens, a bigger out of pocket expense you’ll have to take care of. Cheap insurance sounds like a good deal until you realize you are putting your valuables and hard-earned money at risk.

A great insurance policy that meets your needs doesn’t have to be expensive. With 14 carriers including Travelers, Safeco, Nationwide and more to compare and research, your agents at INW Insurance Solutions look into policy and pricing options for you to find affordable and cost-effective coverage. Additionally, many insurance carriers are offering flexible programs and assistance to clients. When we find the right insurance and plan, you’ll be protected without feeling a toll on your bank account.

INW Insurance Solutions is always looking for ways to save you money without sacrificing quality. We’re also sharing our favorite money saving tips:
• Establish a budget: Track and determine how much you make and how much you spend. By doing so, you’ll be able to see what expenses can be reduced and where you can direct savings towards. Establishing a budget for items such as groceries or gifts can help prevent overspending.
• Set a goal: Paying off debt, saving up for a vacation, or just wanting to be prepared for emergency expenses are examples of goals you can work towards. Setting a goal will help you feel motivated to set money aside and invest into your savings.
• Have a “No Spending Day” once or twice a week: As simple as it sounds! For the day, don’t spend money on unnecessary purchases. If you have an impulse purchase…wait out the day and see if you still want it the following day. Soon, you’ll notice those days add up to big savings!

If you have any questions or want to review your coverage to adjust to your needs, visit our office or give us a call today.

Why a Scheduled Personal Property Endorsement Matters

“Have you seen my ring? It was just here!” One moment you place your item down and the next it’s gone. We’ve all had those heart stopping instances (even here at INW Insurance Solutions). You turn the whole house upside down trying to find your prized possession. Finding it is the ultimate relief, but maybe next time you won’t be so lucky. It could get stolen, damaged, or lost forever which is why it is a good idea to consider an insurance policy for your items.

While your homeowners, condo, or renter’s policy may cover some items for certain situations, a scheduled personal property endorsement can provide total replacement for your specialty items. However, it’s not just for jewelry. It can cover other belongings such as collectibles and memorabilia, sporting equipment, firearms, musical instruments, fine art, and antiques. 

INW Insurance Solutions understands that your possessions are more than just items. Maybe they are gifts from a dear friend or something you worked hard to save up for. By getting a scheduled personal property endorsement, you’re not just protecting your belongings and assets, you’re protecting the valuable significance and cherished memories.  

Call INW Insurance Solutions today to talk us about which items you should endorse, the level of coverage you need, and see how we can help you.

Planning Ahead for Future Trips

With tight flying and traveling restrictions, summer plans have dramatically changed this year. Now many are taking to the road to get away from the house. But more drivers on the road could mean more risks like accidents and needing roadside assistance. INW Insurance recognizes that these circumstances can impact the current auto or RV insurance plans you want or need. We are here to help you with any questions or changes you have before you venture out onto the road.

And for future vacations, it is now more important than ever to consider all the possible scenarios that can ruin even the most established plans. INW Insurance offers travel insurance which can help cover you from unexpected events and losses like trip/flight cancellations and baggage theft.

The CDC and health experts continue to recommend staying home and practice social distancing but if you are planning to take a scenic road trip or escape into the woods with your RV, it is important to take extra precautions to protect yourself and others. In addition to the many road trip and travel essentials, consider:

  • Hotel, store, and dining closures
  • Packing hand sanitizer, disinfectant wipes, and masks
  • Social distancing
  • Staying updated and following CDC and health department guidelines/ information

So, while the dream getaway vacation overseas may be postponed for now, INW Insurance can help protect your auto, RV, and travel needs. Before you plan your next vacation, give us a call to check and update your coverage.

Water Backup Coverage

One of the biggest nightmares a homeowner can go through is dealing with a drain backup or sump pump failure. Not only can this cause major damage to floors, walls, furniture, and electrical systems, but water backup can also cost you thousands of dollars to repair the damage and replace your belongings. In the unfortunate event of a drain overflow or broken sump pump, you don’t want to be left footing the bill. That’s where affordable water backup coverage from INW Insurance group can help.

Water backup occurs when water or water-borne materials back up into your home. This can come through sewers, drains, sump pumps, or related equipment. Water backup coverage can help your repair almost any damage from water moving from the ground up due to overflowing drains and sewers or broken sump pumps. Because coverage amounts vary, it’s important to consider electronics, furniture, and flooring materials that may need to be repaired or replaced while deciding on how much coverage you want.

How to Prevent Water Backups:

  • Don’t pour cooking oil or grease down your drains. Dispose of cooled grease in your garbage can instead.
  • Only flush toilet paper in your toilets.
  • Consider replacing your sewer line with plastic pipe to prevent shrub and tree roots from making their way into cracks.
  • Make sure your landscaping and irrigation systems are positioned so that water flows away from your home’s foundation.
  • Always maintain your home’s gutters and downspouts, clearing out leaves and debris as well as repairing places that may be sagging.
  • Consult a plumber to check your sump pump regularly and look for any pre-existing drainage system issues.
  • Install a backwater prevention valve to prevent sewer backups.
  • Buy a battery backup to keep your sump pump running when the power goes out, or buy a water-powered backup sump pump.

Water backup coverage doesn’t have to break the bank. Our team of knowledgeable agents at INW Insurance Group in Mesa, AZ, can provide you with more information about coverage costs, limits, and discounts. Give us a call at 480-626-0797 to receive a free quote and to learn more about water backup coverage and all the affordable ways we can help you protect your home, business, and personal property.

Insurance Discounts for Public Employees

At INW Insurance Group, we recognize the importance of public employees and are proud to offer quality insurance discounts exclusively to this special group of people. More than just insurance, we are committed to providing our educators, law enforcement, and firefighters with unique benefits and exceptional customer care. It’s just one way we thank you for the hard work you do everyday.

If you are a public employee, you may qualify for significant discounts including:

  • Law Enforcement Occupation Discount
  • Multi-Policy/Multi-Vehicle
  • New Home Credit
  • Neighborhood Crime Watch

To qualify for lower rates, benefits, and additional discounts, the named insured must be a current full-time public employee with a minimum of 30 hours per week on a permanent basis.

Educators and School Support Staff are defined as:

  • Teachers
  • Teaching Assistants/Aides
  • Professors
  • Principals
  • Other comparable positions whose duties are primarily the education of children and college students

Law Enforcement Officers are defined as:

  • Police Officers and Sheriffs
  • FBI Agents, Secret Service Agents, Officers of the Department of Homeland Security and Border Patrol Enforcement Personnel
  • Prison Guards, Probation or Pretrial Services Officers
  • Other comparable positions whose duties are primarily the prevention or investigation of offenses against the criminal laws, apprehension or detention of individuals either suspected of, charged with, detained for, or convicted of offenses against the criminal law

Firefighters are defined as:

  • Firefighters
  • Fire Inspectors or Investigators
  • Fire Captains, Chiefs, or Lieutenants
  • Dispatchers
  • Other comparable positions whose duties are primarily responding to fire alarms, medical emergencies, and other calls to protect life and property

INW Insurance Group is proud to support those who support our Arizona communities. To request a no obligation quote or for more information about our insurance discounts for public employees, give us a call at 480-626-0797 or visit one of our insurance discount pages below.

Insurance Discounts for Educators

Insurance Discounts for Law Enforcement

Insurance Discounts for Firefighters

What to Do If You Back Into Your Garage Door

There are plenty of reasons why somebody might accidently back into their own garage door – early morning distractions, poor driving conditions, and inadequate lighting are just a few. While this is usually an embarrassing scenario, it happens more often than people think. If you find yourself in this situation, it’s important to remain calm and go through the proper steps to get your garage working properly and safely.

The first thing you should do after backing into your garage door is to assess the damage. If the damage looks minimal and your car is still inside, you can continue trying to move out. Just make sure to close the door manually without using too much force once your car is safely in the driveway. If it seems to catch and suddenly requires more force to close, stop and call a professional to make repairs.

Make sure to review at your insurance policies’ deductibles before calling your insurance company. It may not be worth opening a claim if you have to pay too much out of pocket. The average cost of a new steel garage door can range anywhere from $750 to $3500, with minor repairs costing only a few hundred. Because filing a claim often increases your policy rates, it’s often better to cover the damages on your own.

If your garage door is extremely damaged, it may be necessary to contact your homeowner’s insurance company. The same goes for calling your auto insurance company to cover damages to your vehicle. However, it is important to note that your auto insurance does not cover the damage done to the garage door, and vice versa.

When a problem like this arises for residents of Mesa, AZ, they know they can turn to the experienced team of agents at INW Insurance Group for fast and reliable service. Your garage door is essential to the function, appeal, and security of your home, so give us a call at 480-626-0797 for more information about getting it fixed or replaced as quickly as possible.

Attractive Nuisances

An attractive nuisance is an object on your property that is potentially dangerous while at the same time appealing to children. Pools, trampolines, play equipment – even dogs – are considered attractive nuisances and homeowners coverage can be iffy. With houseguests and partygoers in the mix, they become even more risky. Here’s a list of precautions you can take to reduce your accident liability.

The Nuisance: Swimming Pool

The Fix:

Swimming pools provide much needed relief from hot Arizona summers, however anyone who gets hurt in your pool can sue, even if they are trespassing. Ask your insurance provider if it’s covered, and if so, if the limits are high enough. You can minimize your rate by putting up safety precautions such as signs and fences. Remove all pool toys from the deck and pool area immediately after swimming and keep rescue items like life rings within reach.

The Nuisance: Trampoline

The Fix:

Trampolines are responsible for over 100,000 injuries each year. Ask your insurance provider about coverage – they’re often excluded. You should also thoroughly read the trampoline manual and always supervise use.

The Nuisance: Abandoned Cars

The Fix:

Even if you plan on restoring your classic car to its former glory, insurers often see it as an attractive nuisance. Children are curious by nature and it wouldn’t take much for them to get locked inside or otherwise injured. Always keep windows shut with the doors and trunk locked.

The Nuisance: Play Equipment

The Fix:

According to the Centers for Disease Control (CDC), most home playground injuries involve swings. To reduce the chance of accidents, the National Association of Home Inspectors recommends spacing swings at least 24 inches apart and at least 30 inches from the support frame. Ensure it’s installed securely on a safe surface and maintain regularly.

Attractive nuisances are some of the main items that increase homeowners insurance rates. By knowing some of the usual suspects that are considered attractive nuisances, you can plan ahead and make your home safer and wallet-friendly. Give INW Insurance Group a call to discuss what’s covered under your homeowners policy and what options you have to increase your protection.

Do You Need Wedding Insurance?

There’s no doubt about it — weddings can be expensive. Last year, couples spent an average of $35,329 nationally, with Arizona weddings costing just over $29,000, according to The Knot’s 2016 Real Weddings Study. With so much time and money invested, why wouldn’t you protect your special day in the event of a disastrous wedding mishap?

While you may not be able to prevent the unexpected, you can protect a portion of your investment by planning ahead and purchasing wedding insurance. Wedding insurance typically costs only a few hundred dollars, but it can save you tens of thousands if dust storm winds blow over the reception tent or a bankrupt vendor ruins your day.

The most common wedding cancellation claims include a vendor going out of business resulting in them being unable to fulfill their agreement, a member of the bridal party or a family member being too ill or injured to participate, and extreme weather. In 2017, Travelers received a record number of wedding insurance claims due to weather, about 22%. Because September and October are the most common times to get married in Arizona, it’s important to make sure you’re covered with wedding season right around the corner.

Typically, wedding insurance policies will reimburse you for deposits and charges you’ve paid to wedding vendors, as well as travel costs and other expenses incurred, if you need to cancel or postpone the wedding for a covered reason. However, coverage options, costs, and limitations vary widely. For example, some policies require the rehearsal dinner to be held no more than 48 hours prior to the wedding to be covered. Therefore, it’s important to give the team of agents at INW Insurance Group in Mesa, AZ, a call to discuss the right policy for you.

It’s also important to make sure wedding suppliers such as caterers and limousine services maintain their own liability insurance. In addition, any venue providing alcoholic beverages should carry liquor liability insurance — ask for a copy of their certificate of insurance before signing the contract. To play it safe, you may want to buy your own host liquor liability coverage to protect you from any potential lawsuits as well.

When considering liability, cancellation, or loss of deposits coverage, the most important thing is making sure you’re protected on your big day. The last thing any bride or groom to be needs is the added stress of lack of coverage. With competitive prices and the option of customizable plans, INW Insurance Group has your back every step of the way.

Insurance Tips for Millennials

You keep your car filled up with gas, so you don’t get stranded on the side of the road and your phone charged so your loved ones can reach you. But what kind of safety measures do you have in place for more extreme scenarios?

What if you lost everything you owned in a fire at your house or apartment? What if your car was stolen? These situations are scary, but your insurance can help you through them, so long as you have the right coverage in place.

So, what is the right coverage for you? Give INW Insurance Group in Mesa, AZ, a call to find the best policy to fit your needs. Whether you’re starting out on your own or starting a family, these tips can help you begin to understand the level of insurance you may need.

Consider What You Own – And What It’s All Worth
Could you imagine having to replace all your personal belongings at once? What about having to do so from memory and all out of pocket? It would be both a difficult and a costly task. Make an inventory of your belongings and their value to help alleviate some of that pressure. Also, be sure you have enough insurance coverage, whether you rent or own a home. It’s known as “personal property coverage,” and you want enough of it to replace all your belongings in the event of a tragedy.

Take Your Lifestyle in to Account
Drive an expensive car? Repairs are likely costly, so be sure to carry full coverage. Own a home with a lot of custom features? Be sure your homeowners policy takes them into account. Your lifestyle choices can also help you save. For example, if you take public transportation to and from work even though you own a car, you may pay less for your insurance.

Talk to Your Independent Agent for Ease, Choice, and Advice
As an independent agency, INW Insurance Group offers a choice of carriers and options, plus personalized advice to help make sense of it all. We make it easy by doing the research and the work for you.

Remember, we’re here to help. Serving Arizona, Idaho, Washington, Oregon, and Colorado, give INW Insurance Group a call today with all your insurance questions and needs.