We represent 100 different companies. You can look at your insurance policy to find out what carrier you are with.
If you are having trouble please contact your Basin Pacific agent or contact us and we’ll get you the information.
You can talk to your insurance adjuster to find any status on your claim.
Policyholders are encouraged to call our office to discuss the claim with your agent. However, the insurance company and the assigned claims adjuster determines what is covered under the policy.
To contact us toll free at 888-303-3230 or email us via our contact form.
Date and time of the claim, location, description of what happened and what was damaged, contact info of other parties that were involved.
When you are ready to file a claim, click here.
Call our office promptly to provide details about the new claim. If necessary, protect your property from further damage by making reasonable temporary repairs. Do not start the property clean-up or repairs until you have spoken to a claims adjuster and received permission to do so. Keep a record of repair costs and be sure to keep your receipts. If damage was caused by theft or vandalism then notify the police. If your loss is related to a bank electronic fund transfer or credit card, notify your financial institution.
To contact us, call toll free at 888-303-3230 or email us via our contact form.
PROPERTY & CASUALTY
When a company settles a claim you will be paid for the amount of the claim, less the amount of the deductible on the policy, if there is one.
MEDICAL INSURANCE
A deductible is a set amount you have to pay every year toward your medical bills before your insurance company starts paying. It varies by plan and some plans don’t have a deductible.
No. If a deductible applies, it is handled automatically as a part of the claim.
Your liability insurance will pay 100% of the damage for the person you hit. In most cases, liability insurance doesn’t have deductibles. For damage to your vehicle, a deductible will most likely apply. Please refer to your policy or call us to find out what your deductible is.
You’ll find coverage to repair your vehicle under the collision coverage in your policy.
Please contact one of our local, independent agents. To contact us, call toll free at 888-303-3230 or email us via our contact form.
Yes, we provide life insurance at competitive rates. Please contact us, toll free at 888-303-3230 or email us via our contact form.
Please contact one of our local, independent agents. To contact us, call toll free at 888-303-3230 or email us via our contact form.
Please use our Instant Quote tool.
An insurance policy is a contract between you and your insurance company – it lays out what’s covered, what isn’t, and other details of your agreement.
Your primary insurance coverage on your home, auto or business coverage have certain maximum limits they will provide.
HOW DO I OBTAIN HIGHER LIMITS?
An umbrella policy provides additional policy limits that sit over the top of your underlying auto, home or business policy limits. Also, it may provide additional coverage you wouldn’t have with your underlying auto, home or business policies.
Umbrella policies may provide extra coverage in addition to the coverage on your underlying policies as well as providing an additional limit.
Excess policies only provide extra limit and coverage follows the form of your underlying policy.
Five categories are used from your credit report: payment history, total indebtedness compared to available credit, length of credit history, new credit and types of credit in use.
An insurance premium is the amount of money an individual or business pays for an insurance policy.
Insurance underwriters analyze the risks involved in insuring people and/or businesses. The underwriter is responsible for assessing risk factors, determining policy premiums and providing coverage explanations.
A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured’s death. Typically, life insurance is chosen based on the needs and goals of the owner.
Please contact one of our local, independent agents. To contact us, call toll free at 888-303-3230 or email us via our contact form.
PROPERTY & CASUALTY
A deductible is a specified amount of money that the insured takes responsibility for before the insurance company pays its share of the claim. Deductibles can be changed and also affect the amount of premium you pay for your policy. The higher deductible the more you are willing to pay in the event of a loss to your property and therefore the premium the insurance company charges will be less. The lower the deductible the less you are willing to pay in the event of a loss to your property and the premium the insurance company charges will be more.
MEDICAL INSURANCE
A deductible is a set amount you have to pay every year toward your medical bills before your insurance company starts paying. It varies by plan and some plans don’t have a deductible.
Your primary insurance coverage on your home, auto or business coverage have certain maximum limits they will provide. How do I obtain higher limits? An umbrella policy provides additional policy limits that sit over the top of your underlying auto, home or business policy limits. Also, it may provide additional coverage you wouldn’t have with your underlying auto, home or business policies.
INSURANCE AGENT
Also known as insurance producers, can only represent and quote products for the companies they represent.
INSURANCE BROKER
Basin Pacific helps facilitate coverage of an individual or company across all carriers and products. We are an advocate to you the client and negotiate the best quotes and coverage that work best for you. Including hard-to-find insurance quotes in the secondary or “surplus lines” markets.
Please consult our website to find the office closest to you.
Please consult our website to find the office closest to you.
Please call us toll free at 888-303-3230 or email us via our contact form. If you are calling outside normal business hours, leave a message and we’ll respond at our earliest convenience.
INSURANCE COMPANY
Also known as insurance producers can only represent and quote their products for coverage.
INSURANCE BROKER
Basin Pacific helps facilitate coverage of an individual or company across all carriers and products. We are an advocate to you the client and negotiate the best quotes and coverage that work best for you. Including hard-to-find insurance quotes in the secondary or “surplus lines” markets.
An independent agent represents many different insurance companies and is therefore able to offer many more options when it comes to finding insurance solutions to meet your needs. A captive agent is an agent that can only represent one company and its products.
Please contact one of our local, independent agents. To contact us, call toll free at 888-303-3230 or email us via our contact form.
Please contact one of our local, independent agents. To contact us, call toll free at 888-303-3230 or email us via our contact form.
Please contact one of our local, independent agents. To contact us, call toll free at 888-303-3230 or email us via our contact form.
When a breach occurs, cyber insurance covers the range of expenses that arise. These include identifying and solving the breach,
recovering data, customer notifications, PR costs, possible credit monitoring expenses, legal expenses, potential fines from
compliance regulators, extortion costs from ransomware, and general business interruption.
Yes. Hackers use technology to scan the internet for businesses with weak defenses regardless of the size of the business. A
recent Verizon report notes that 43% of all cyber attacks are against small businesses. Worse, 63% of small businesses had
experienced a breach in the last 12 months. Any business with a computer and an internet connection is at risk – even if you
don’t sell anything on your website.
First-party coverage
Intends to cover damages a business suffers because of a cyber breach. This can include things like
investigative services, business interruption coverage and data recovery.
Third-party coverage
Intends to cover damages if a business’ customers or partners are affected by a cyber attack. This can
include legal fees, settlement costs, security failures and media liabilities.
Cyber crime
Intends to cover damage due to any type of illegal activity that occurs using digital means. Examples of
cybercrime are extortion/ransomware, phishing, social engineering, and wire transfer fraud.
Many general business protection policies only partially cover damage from cyber events, if at all. As mentioned above, cyber
coverage protects against the vast array of possible damages, expenses, and lost business that can occur from a cyber attack.
To be fully protected, ensure you have all coverages – first-party, third-party, and cyber crime. Further, since some cyber events
can result in large expenses, confirm you have adequate sublimits for each of three above coverages.
If your company gets hacked, you will need a breach coach to get your business back up and running fast. When a breach occurs,
you need to assess and contain the damage, notify affected parties (e.g. customers and vendors), evaluate and act on the legal
ramifications from agitated customers to regulatory bodies, and more. A breach coach will quickly assemble the right response
team to deal with these issues. Without an expert it all falls on you, costing you time and money while adversely affecting your
business. Fortunately, most insurance companies now provide a breach coach as part of a greater suite of services when you
purchase stand-alone cyber insurance coverage.
Being properly protected definitely helps. However, there is no way to fully protect against new threats. Hackers are always
adapting to overcome cyber defenses with new versions of current threats or creating brand new methods of attacking
businesses. Human error can also be a factor. Easy-to-hack passwords, phishing emails, or even a lost laptop also present
potential entry points for a cyber criminal. Additionally, a third-party vendor could be attacked, impacting your ability to do
business and exposing your data. Even if you use a third-party vendor for business services, as the data owner you may be
legally responsible. A thorough cyber insurance policy is part of your overall risk management plan to ensure your business
runs smoothly.
There are different types of equine coverage such as:
- Full and Limited Mortality (life insurance for the horse)
- Major Medical and Surgical coverage
- Personal Liability
- Loss of Use
- Theft
- Commercial Equine Operations
- Riding Instructor and Horse Trainer
- Show Animal (events, property, members, spectators, and volunteers)
- Farrier
We represent a wide array of insurance companies and can find the optimal balance of price and coverage to fit your needs.