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A One Stop Shop for Insurance from Semaphore

Tired of shopping around for Insurance? Take a look at our Insurance Solutions and find the right policy that works for you. As an independent firm, we work with several major insurers without bias to find the best policy for you. We have you covered. Get a Free Quote >

The Best Protection Out There

As an independent firm, we work with many major insurers without bias to find the best policy for you based upon your vehicle and driving record.

Auto Insurance: The Basics
Did you know that you have to purchase auto insurance in California to own and operate a motor vehicle in the state?

Liability insurance compensates a person other than the policy holder for personal injury or property damage.

Comprehensive and Collision Coverage
Two types of physical damage coverage are available on auto insurance policies. Both comprehensive coverage and collision coverage are important in protecting your wallet from major vehicle damage. Anything from minor dents to a big crash can be repaired or the insurance company can at least pay out enough money to make you whole again when you have comprehensive and collision coverage.

Compare the two types of coverage to give you an idea of what you need for your vehicle:

Comprehensive insurance covers many different types of losses or physical damage to a vehicle caused by anything other than a collision:

  • Windshield damage
  • Deer accidents
  • Hail damage
  • Fire damage
  • Stolen Car
  • Vandalism
  • Flood damage
  • Tree damage

Collision coverage is probably the most important coverage to protect your vehicle against physical damage. Some of the most significant damage to your vehicle can come from a collision with another vehicle, tree, pole, or guard rail. Be aware that neither comprehensive or collision insurance cover mechanical breakdown or normal wear and tear. Collision covers damage to your vehicle caused by collision with another vehicle or with any other object, regardless of fault. Collision insurance covers vehicle upset (overturn), but does not cover bodily injury or property damage liability.

We have you covered. Get a Free Quote >

Protecting Your Castle

The Semaphore Insurance team will work with you to find the best homeowners insurance policy to protect your home, property and possessions. Your home is your biggest investment and finding the right insurance to protect your castle is paramount.

We work with the nation’s top carriers to provide the best policy for you without breaking the bank.

Homeowners Insurance: the basics
Homeowners insurance provides financial protection against disasters. A standard policy can provide protection for:

  • Your property: In the event of a loss, your home and other structures like a garage or shed can be rebuilt or repaired.
  • Your possessions: Consider the value of your personal belongings like furniture, clothing, appliances, electronics and other valuables – whether in your home or elsewhere.
  • Your assets: Since you own a home and want to protect your assets, also consider coverage against liability claims. Liability coverage will protect you in the event someone is injured or their property is damaged by you or a family member.

Consider Valuable Items Coverage
Valuable Items coverage supplements coverage for possessions of higher monetary value, such as a diamond engagement ring, your grandfather’s pocket watch, artwork, or a valuable collection. While most homeowners policies have limits on the dollar amount and type of loss that can be recovered, Valuable Item coverage will provide the protection you need for your most valuable possessions in the event of loss through theft, accident or natural disaster.

When would a valuable items policy be needed? The protection provided for personal property under the typical homeowners policy is very broad, and includes coverage for your furniture, clothing, and appliances. In addition, it provides limited coverage for such items as jewelry, silverware, furs, and firearms.

In fact, most homeowners policies set dollar limits on the amount of protection offered to cover the theft of items such as jewelry or furs, firearms or silverware. Optional add-on coverage to the homeowners policy (like our Valuable Items Plus endorsement) is available to enhance coverage by providing higher limits and expanded protection for special property. This usually provides most homeowners with enough coverage.

However, if you own extremely valuable items, this still may not be enough coverage. You may need more protection and should consider buying a separate Valuable Items policy.

We have you covered. Get a Free Quote >

Protecting Your Business and Office

Whether you are leasing office space, working out of your home, or own and operate office buildings, we can custom tailor a policy that’s right for you.

Our insurance options cover small to mid-sized businesses, giving you the specialized coverage and service you need in order to conduct your business with confidence. Our commercial insurance options include:

  • Commercial Property Coverage up to $5,000,000
  • Commercial General Liability Insurance up to $5,000,000
  • Business Personal Property
  • Lost Income and Extra Expense up to 12 months
  • Worker’s Compensation (Worker’s Comp)
  • Business Owner’s Policy (BOP)
  • General Liability

Business liability claims are often complex, fraught with nuance, and with large sums of money at stake. Semaphore can help you choose a carrier who’ll provide you with appropriate business coverage and claims experts who can quickly and skillfully handle large loss, and high value claims.

We have you covered. Get a Free Quote >

Commercial Property Insurance
Business property insurance can help protect the property your business owns and leases, including things like medical equipment, inventory, furniture and fixtures. There is also coverage for things you may not have thought of, like protection for your accounts receivable records and or computers and media. There is another option available that can help replace lost income when your operations are suspended and can no longer operate due to a covered loss.

Business Personal Property Insurance
The loss of any property you own or create for sale affects your bottom line. Business Property insurance can help you replace everything from computers and inventory to equipment and tools. Business personal property coverage includes, but is not limited to, furniture and fixtures, machinery and equipment, stock, all other personal property owned and used in the business, labor, materials or services furnished or arranged on personal property of others, and leased personal property that an owner has a contractual responsibility to insure.

Business Owner’s Policy (BOP)
A Business Owner’s Policy (BOP) is recommended for most small businesses, as it is often the most affordable way to obtain broad coverage. Combining both property and liability insurance, a BOP will cover your business in the event of such things as property damage, suspended operations, or lawsuits resulting from bodily injury or property damage to others.

We have you covered. Get a Free Quote >

Protect Your Home From A Flood Disaster

Flooding is the nation’s number one natural disaster. While floods occur in every area of the country and Californians must also be aware about tsunami-related flooding, many property owners remain unprepared.

Do you have flood insurance? Be sure to check the details because homeowners policies only cover water damage for minor flooding such as from a broken pipe or overflowing appliance. Homeowners policies do not cover flood damage from natural disasters such as rising seawater (tsunamis) or rising river or lake waters, or dam failure.

That’s why if you live in a flood zone you want to protect your property from floods caused by natural disasters. Just a few inches of water from a flood can cause tens of thousands of dollars in damage. From 2008 to 2012, the average residential flood claim amounted to more than $38,000. Flood insurance is the best way to protect yourself from devastating financial loss.

Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers and the property’s flood risk.

All policy forms provide coverage for buildings and contents. However, you might want to discuss insuring personal property with your Semaphore agent, since contents coverage is optional. Typically, there’s a 30-day waiting period from date of purchase before your policy goes into effect. It’s too late to buy flood insurance once warnings of an impending tsunami or another flooding event is issued. That means now is the best time to buy flood insurance.

We have you covered. Get a Free Quote >

Also, if you live in a Special Flood Hazard Area (SFHA), and your mortgage is backed by a federal agency, then your mortgage lender will likely require you to have flood insurance. In general, coverage is provided for direct physical loss to the property from a flood which is described as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from:

a) Overflow of inland or tidal waters
b) Unusual and rapid accumulation or runoff of surface waters from any source
c) Mudflow: which is defined as a river of liquid and flowing mud on the surfaces of normally dry land areas such as when earth is carried by a current of water. Landslide, slope failures, or saturated soil moving down a slope are not mudflows.

In general, a flood policy excludes losses caused by earth movement, even if the earth movement is caused by flood. Examples of excluded earth movement include:

  • Earthquake
  • Landslide
  • Land subsidence
  • Sinkholes
  • Destabilization or movement of land resulting from accumulation of water
  • Gradual erosion

The maximum limits available are:

  • Residential – $250,000 for the structure and $100,000 for the personal property
  • Commercial- $500,000 for the structure and $500,000 for the contents

More information can be found on the California Department of Insurance Flood Fact Sheet and FloodSmart.gov, the official site of the National Flood Insurance Program (NFIP). Call us at (888) 529-5750 to discuss flood insurance policy options and plans.

Making Sure Loved Ones Are Protected

With flexible policies and options to fit your specific needs and budget, you can be sure Semaphore will be there to help you determine how much coverage is right for you. When people depend on you, you need a life insurance policy that protects your loved ones.

We have you covered. Get a Free Quote >

There are many reasons for purchasing life insurance, including:

  • Insurance to provide financial protection and security for surviving family members upon the death of the insured person.
  • Insurance to cover a particular need such as paying off a mortgage or other debt upon the insured’s death.
  • Business insurance to compensate a company on the death of a key employee or to provide a surviving partner the resources to buy out the deceased partner’s share of the business.
  • Insurance to provide funds to pay estate taxes or other final obligations necessary to settle a deceased person’s estate.
  • Insurance to provide the funds necessary for the deceased person’s burial expenses.

How much do you need? Consider the following:

  1. Determine your outstanding debts, funeral expenses, taxes, household expenses, educational costs.
  2. Determine the amount needed to replace a percentage of your income for a specific number of years, usually until your youngest child is out of college or until your mortgage is paid off.
  3. Decide how much money you can afford to pay.

There are different types of life insurance depending on your specific needs, including term life insurance, permanent life insurance, accidental death insurance, cash value insurance and more.

Semaphore Family of Companies

Why hassle with a few partners when you can work with just one? Keep it simple. Semaphore provides support for financial success for individuals, small businesses, and sole proprietors. Our services cover the areas of tax, bookkeeping, payroll, insurance, and brand solutions. Let’s partner up!

Semaphore Insurance Carriers

Our carriers are A.M. Best rated A or A+ which means they have an excellent or superior ability to meet their insurance obligations. Founded in 1899, A.M. Best Company is a full-service credit rating organization dedicated to serving the insurance industry. Policyholders refer to Best’s ratings and analysis as a means of assessing the financial strength and creditworthiness of risk-bearing entities and investment vehicles. A.M. Best is the largest and longest-established company devoted to issuing in-depth reports and financial strength ratings about insurance organizations.

Our insurance carriers include:

  • Safeco, a Liberty Mutual Insurance company.
  • Kemper Preferred, which is one of the nation’s leading financial services providers, and specializes in property and casualty, and life and health insurance products for individuals, families and small businesses.
  • Travelers, one of the nation’s largest property casualty companies.
  • Progressive, who has worked hard to build a superior service for auto insurance consumers through competitive pricing.
Why wait? Talk to the insurance team at Semaphore today!
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