Sovereign Risk Solutions

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What keeps you awake at night?

May 12, 2017 by Sovereign Risk Solutions · Leave a Comment

Sovereign Risk Solutions blogIf you’re a parent more than likely you’re thinking about the kids, their health, the struggles with math, why the daughter’s newest BFF has stopped being a BFF, the terrifying thought your eldest is now eligible for a driver’s license, and on and on and on. Of course there are always the constant concerns about the family budget, the need for a new car and the “I can’t believe we need a new roof” type expenses that pop up out of nowhere.

Even as our day ends and the daily grind comes to a close, none of us single or married, parent or grandparent ever truly escapes the everyday issues and yes, fears that seem to attach themselves to every one of us to a greater or lesser degree.

Navigating a career in the insurance business for 45 plus years has developed a sixth sense in me which adds to my and our fine young staff’s “awake at night” burden. You see, each client for whom we undertake the responsibility of protecting from catastrophic economic harm becomes a part of our family. As the protectors of our family we worry, we challenge ourselves and we dissect the minutia of exposures which represent the risks our client family faces every day. It’s not a perception but rather the reality of our client family that drives me and the folks who work with me at Sovereign to present to you the options needed to protect yourself and your business from the fates which plague every family and every business every day.

Perhaps by us keeping watch and staying awake at night, we can lessen the load and allow you to get a little bit of worry free sleep…except for the driver’s license thing of course!

Filed Under: News · Tagged: Family Protection, insurance, Sovereign Risk Solutions

Do you know who’s really in your home?

July 2, 2014 by Sovereign Risk Solutions · Leave a Comment

EPLI InsuranceWe all entrust individuals to help take care of our family, including our home and our financial well being.

These individuals could be nannies, carpenters or even financial planners. The access we give these individuals into our lives expose us to a wide range of risks, and too many people have become victims by not thoroughly researching the individuals they’re bringing into their homes. Many people rely on friends’ recommendations or resumes, which doesn’t always provide the details needed to asses an individual.

A thorough background check is an essential tool in determining the trustworthiness, financial stability, and the safety of your family when employing these individuals. [Read more…]

Filed Under: General, News, Personal Insurance · Tagged: Background Check, Credit Reports, Driving Record, Employment Practices Liability Insurance, EPLI, Family Protection, Financial Stability, MVR Screening, Personal Lines

Small Difference in Premium, Large Difference in Value

May 28, 2014 by Chris Whitmire · Leave a Comment

We all know that obtaining insurance is a must.  Without the proper insurance in place we run the risk of losing everything from material possessions to our entire home or business, and when shopping for insurance we all want the lowest possible rate we can get.  But, more often than not, when a consumer is shopping for insurance coverage they become fixated primarily on the yearly or monthly premium amount… what am I going to have to pay now?  How much later?  This is a question that should be at the forefront of your mind, as we all have budgetary constraints, however, every policy comes with a specific charge for each line of coverage, and for any specific coverage extensions that might be needed.  With careful evaluation of each quotation, you can often reduce coverage in one area you may not need and boost coverage in another area of high exposure.
Evaluation Book
It is important to discuss with your insurance agent about the differences between the policies being offered.  Often times there is very little premium difference between two policies, but a great deal of differences in the value each policy is offering in terms of overall protection.  I’ll illustrate this with an example.   [Read more…]

Filed Under: News, Personal Insurance · Tagged: Family Protection, Homeowners Insurance, Insurance Claim, Insurance Policy, Insurance Premiums, Personal Lines, Shopping

Life Insurance is not the most “enjoyable” conversation to have, but a necessary one

February 27, 2014 by Chris Whitmire · Leave a Comment

Life Insurance Illustration

If you died suddenly or unexpectedly, would your loved ones be able to sustain the lifestyle they’ve become accustomed to?  Would they be able to pay bills such as your mortgage, vehicle payments, school tuition, or even funeral costs?  For many people the answer is no, unless they have properly protected themselves with life insurance.

Life insurance is a very affordable way to be certain the loved ones you leave behind have financial stability in the toughest of times.   [Read more…]

Filed Under: News, Personal Insurance · Tagged: Family Protection, Insurance Premiums, Life Insurance, Personal Lines, PROTECTION

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WHAT OUR CLIENTS SAY

Competent, Organized, and Reliable

Amanda Cruz and everyone at Sovereign Risk always meets or exceeds my expectations and needs. They are very caring, c...

LARRY HUTCHINSON
Virginia Non-Emergency Medical Transport

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