Happy St Patrick's Day

We at Insurance Consultants of Pittsburgh would like to wish everyone a safe and happy St Patrick's Day.  Remember to stay safe.  Plan ahead and make hotel reservations or have a designated driver.  If you are the designated driver, drive slowly and watch for pedestrians.  Uber and Lyft are also alternatives that can get you home safely.  Don't forget to eat and drink water.  Keeping a full belly and drinking water will keep you hydrated and help keep the effects of the day away.  If you are hosting a party at home do a safety check before guests arrive.  This could keep you from having someone get hurt.  Keep an eye out for you guest if they have been drinking.  Someone leaving your party intoxicated could come back on you.  

What if the worst happens?

No one wants to think about the worst case situation.  No one wants to think about causing an accident where someone gets hurt badly or worse.  No one wants to think about being the cause of a complete home loss or slip and fall that drastically alters someone’s life.  These situations though can and do happen.  Insurance whether home or auto is there to help you financially in these situations, your liability limits are what come into play if a worst case scenario happens.  Liability limits are something that a lot of people do not give much thought.  Everyone wants to know what their premium is or how much money is the deductible.  While premiums and deductibles are important and have a financial impact on your life, they do not have the potential impact that too low of liability limits would have in a worst case situation.  Many times the cost of raising your liability limits is very cost effective. 


How do you know if your liability limits are too low?  One way is to look at your assets.  If you had a worst case situation and were sued how much would you stand to lose?  Sadly for many people in worst case situations you have the guilt of seriously impacting someone’s life, and then you potentially have to look at the possibility of losing your 401k or your house or everything you have worked for.  The Insurance Services Office estimates that 20 percent of people who purchase auto insurance purchase state minimum coverage.  Are you one of that 20 percent?  You can also contact us at 412-344-2800 to discuss and evaluate your liability needs. 


What if you need a higher liability limit than your auto insurance offers?  Is there a cost effective way to cover me for a worst case situation that would cover both my auto and my home?  Yes there is.  An umbrella policy is in many cases a cost effective policy that can give you a million dollars or more of liability coverage that can be excess over your limits of liability on your auto and home.  Most companies offer an umbrella policy that offers excess coverage for your home and auto.  Many of our carriers offer very cost effective umbrellas. 


No one wants to be involved in a worst case situation accident.  No one wants to be involved in that kind of situation and lose everything they have worked hard to achieve.  Consider adding an umbrella policy to your insurance portfolio.  You can contact us via the contact page on this website or call us at 412-344-2800.  You can also reach out to us via social media accessed through the buttons on this webpage. 

Valentine's Day and February

February brings Valentine’s Day.  This February lifehappens.org brings you Insure Your Love.  Erie Insurance is one company that is helping to celebrate this month long event.  According to lifehappens.org the #1 reason people buy life insurance is because they love someone and want to make sure they’d be protected financially if something happened to them.  Despite this reason also according to lifehappens.org, only 55% of American families have life insurance. 


What are some reasons that someone would purchase life insurance?  For one it will help your loved ones to cover funeral and final expenses.  Another reason is to help replace the income lost by the passing of a loved one.  Life insurance can help pay for school, pay off a car, or pay off a mortgage.  Do you have a co-signer on a college loan or any financial obligations?   If you or a loved one where to pass would that passing create a large financial burden.


There are many times in life when someone would think about purchasing or increasing life insurance.  Life changing events like getting married or having a baby could change a need for life insurance.  Co-signing on a loan, buying a car or a house could generate an increased need for life insurance.  During the month of February think about your loved ones and how your passing would change their lives.  We would like to extend the offer to talk about life insurance to you.  Call us or reach out to us via email or social media.  See how cost effective life insurance can be, and how it could lower your home and auto insurance as well. 

Foundation for Fighting Blindness

Do you have an involvement with the Foundation for Fighting Blindness?  Are you not currently one of our customers?  For PA residents who are not currently our customers we will be running a program with the Foundation for Fighting Blindness.  We will be donating $5 for each quote that we do for people mentioning that they were referred from the Foundation For Fighting Blindness that are not current customers and PA residents.  We look forward to helping out the Foundation for Fighting Blindness.  Message us for more details or reach out via Facebook or reach out to us via this webpage.

Three Rivers Boat Show and Pittsburgh Outdoor Expo

A reminder that we will be at the Three Rivers Boat Show this weekend January 26th, 27th, and 28th.  The Three Rivers Boat Show is part of the Pittsburgh Outdoor Expo at the David L Lawrence Convention Center.  Stop by and see us and talk Boat Insurance or insurance for your other toys.  While there register to win a JBL Flip 4 water proof Bluetooth ready speaker.  

Three Rivers Boat Show and Boat Insurance

Tired of winter weather bringing freezing temperatures and icy driving conditions?  Spring my not be right around the corner but we can act like it is.  This January 26th, 27th, and 28th we will be at the Three Rivers Boat Show.  The boat show will be at the David L Lawrence Convention Center.  This show will be part of the bigger Pittsburgh Outdoor Expo.  Boat Insurance can be a little bit tricky.  Most companies will insure a boat, however, some companies may be a better fit than others based on where you plan to use the boat and what coverage’s you need for your boat.  Do you take your boat into ocean waters?  Does your boat go to Canada?  These are factors that could determine where you want to place your boat insurance.  Another major factor that could influence your decision on where to insure your boat would be the valuation of the boat after a claim.  There are two main ways that a boat is valued when it comes to insurance, actual cash value and agreed value.  Actual Cash Value would take deprecation into account.  Insuring your boat for actual cash value can save you a little bit of money, but in the event of a claim you would be subject to having your boat depreciated in value and then have the deductible as well.  Agreed value is just like it sounds, you and the insurance company agree on a value of the boat, the boat is then insured for that value minus the deductible. 


Do you have electronics such as depth finders, GPS equipment, Sonar equipment, or just things like an upgraded radio?  These are typically items to are included on a boat policy, but at a low amount.  Increases and upgrades to these items could leave you with a coverage gap.  If you use the boat for fishing, fishing equipment you keep on the boat could be listed as well.  Many companies now write boat insurance similar to car insurance with coverage for uninsured boaters, towing, and emergency services.  Boat insurance can be what you want out of it.


Have a boat or know someone who does?  We would be happy to help with a boat insurance quote and/or asses boat insurance needs.  We encourage you to come to the Pittsburgh Boat Show and discuss your boat or any other insurance concerns you have.    

Welcome to 2018!

It is a brand new year.  A new year brings excitement and reflection.  Many people make New Year's Resolutions and set goals of things they want to accomplish throughout the year.  The New Year can be a good time of year to self audit yourself and your household.  This can apply to your insurance.  You could start with the biggest aspect of your insurance and evaluate your coverage.  Did anything change in the past year that would make you have an increased need for insurance?  Did you have a child, move into a new house, get engaged or buy a new car?  These life changes along with many others can change your insurance needs.  Another helpful thing you can do for the New Year is to complete an inventory of your personal property.  If you were to have a catastrophic loss would you know all of the things you lost?  Doing an inventory is a great way to remember what you have, just remember to store the list in a fire proof container or store it off the premise.  Taking precautions to avoid a catastrophic accident is something you can look at in the New Year.  Is your smoke detector working properly?  Are all of your electrical and plumbing fixtures working properly or are they in need of repair?  How is your roof holding up in the snow and cold?  All of these checks can help you possibly avoid a catastrophic accident.   

You can also look at your auto in the New Year as well.  Again one thing you can do is evaluate your coverage.  While evaluating your coverage, ask yourself is my car old enough that it is no longer worth keeping comprehensive and collision coverage on it?  Is full tort or limited tort right for me?  Do I need to call my agent for an explanation of coverage?  A second car related thing you can look at is whether you car battery is in good working order.  Colder temperatures can kill older batteries.  Checking the tread life of your tires can help you avoid an accident.  

These are a few tips to help 2018 be a safe year for you.  Follow us on Google+, Facebook, Twitter, and Instagram as well for more tips on insurance and safety as well as updates on the agency and staff.  You can click on the icons on the top right hand side of the page to go to each social media site.

Happy New Year

We hope that everyone has a safe and happy New Years.  In 2018 we will continue to be here for you in an increased capacity.  Emails from the agency, renewal review calls, and postings on our social media sites will help keep you informed and up to date on your insurance policies, the on goings of the agency and insurance related topics.  If you are not on our current email list feel free to send us a message and get added to our list.  2018 will also see the continuation of our referral program where we give a gift card every quarter to a winner drawn from our referral pool.  Our goal for 2018 is for more interaction with our clients, feel free to review us or leave us a message on one of our social media sites.  The links to those sites are at the top right hand side of the screen.  We would again like to thank all of you for a great 2017 and look forward to an even better 2018.

Happy Holidays

Insurance Consultants of Pittsburgh would like to wish You and Your Family a Happy Holidays.  We would like to thank everyone for a great year in 2017, and we are excited to be here for you as your agent in 2018.  As a reminder we will be closed on December 25th so that our employees can spend time with their families.  

What if a fired employee sues me for wrongful termination?

Are you a small business with employees?  If so you have had to hire an employee and possibly fire an employee.  What if that hiring or firing went bad?  What if someone who didn’t get the job felt like you discriminated against him or her or you fired an employee that felt wronged and that person sued you?  While this can be a large corporation issue, a lot of times this issue is a small business issue.  This can be a small business issue because small businesses usually do not have the time, budget, or legal advice to formulate an employee handbook or have a large HR department.  Not having the correct procedures for hiring, disciplining, and firing can open you up to a lawsuit from a disgruntled former employee. 


Employment Practices Liability coverage can help protect you from the above situations.  Employment Practices Liability or EPLI is coverage to protect you from claims that employees make against you in regards to discrimination, wrongful termination, harassment and other employment related issues including failure to promote.  EPLI coverage can be written as a stand-alone policy in some cases or added as an endorsement to a Business Owners Policy, Commercial Package, or General Liability policy.  EPLI coverage is typically written on a claim made basis.  This means the claim would have to happen during the coverage period, because of this tail coverage is recommended.  Tail coverage extends coverage beyond the end of the policy period. 


EPLI coverage is just one of the coverages that are becoming more and more necessary in our ever changing world.  If you are interested in EPLI coverage or seeing what other coverages could be beneficial to your small business feel free to reach out to us via the phone at 412-344-2800 or via the contact page on this website.  You can also contact us via any of our social media sites-Facebook, Instagram, Twitter, and Google+.  Stop by and tell us if this post was helpful and ask us any questions you have.

Where you can find us on social media.

We would like to connect with our clients, friends, family and others via our social media.  We think it is important to keep you up to date on the happenings of the agency as well as with articles and information that will keep you safe and sound.  This is your invitation to connect with us on all of our forms of social media.  We look forward to connecting, informing, and hopefully having positive dialogue with all of you. 

On twitter we are at: @InsrnceConPitt

Facebook: https://www.facebook.com/ICPitt/

Google+: https://plus.google.com/b/116078129427799936219/+IcpittPA

Instagram: https://www.instagram.com/insuranceconsultantsofpitts/

Follow us, stop by and leave us a message, and/or give us a review.  We appreciate the interaction and we appreciate you as our clients. 



Do you  or someone you know drive for UberEats?  We have an insurance solution for those drivers.  In an early blog post we asked if your side hustle could hurt you, this could be one of those times.  Some companies will deny claims made while driving for UberEats so you want to make sure that you have the correct coverage.  Contact us to see what coverage you need for UberEats.

How you can avoid a holiday disaster.

The holidays can be a great time spent with family and friends.  Those good times can turn to disaster quickly.  A theft or a house fire can quickly damper your holiday season and mood.  Below are some links to help you stay safe during this holiday season. 


Looking for overall safety?




Are you traveling for the holiday?




Having packages delivered to your house?




Are you getting a real tree?




Fire safety and more.



Do you have the right contractors insurance?

What you could need on your contractors insurance.

Running a business is hard.  You have to worry about bidding jobs, payroll, and obtaining new clients.  Worrying about your insurance coverage is usually not at the top of the list of priorities.  What do you need from you insurance though?  There are many options available to you for insurance as a contractor.  One of the main coverages that a contractor needs is general liability coverage.  General Liability coverage is there to cover bodily injury and property damage that you are liable for.  One important thing to keep in mind though is that in most cases general liability coverage will not cover faulty craftsmanship.  This coverage is for things like dropping a tool on the floor or causing a slip and fall.  Another coverage closely related to general liability is voluntary property damage coverage.  This coverage provides insurance for unintentional damage to property of others caused by the insured while property is in the care, custody, and control of the insured.  This coverage is typically not in the standard insurance policy and must be added by endorsement.  This coverage is very important for contractors and is something that a contractor should have. 


Another issue for contractors, what would you do if you were to lose all your tools?  How much would it cost you to replace them?  An inland marine policy can help put you whole again.  An inland marine policy is a policy that covers your tools and equipment away from the shop.  This policy is written on an actual cash value form so it is important to review it every year.  Another issue to look for is whether your inland marine policy, if you do have one, is a blanket or a schedule.  A blanket form typically carriers a per piece limit, that limit is typically 1000 or 2000 dollars per tool.  This could leave you upside down in the event of a claim.  Also of note is that blankets typically exclude mobile equipment like mini excavators. 


Finally have you ever had to sit on a job site because you were waiting on a certificate or the correct language on a certificate?  When dealing with commercial insurance it’s important to make sure your company has the endorsements you need on your policy or has the ability to add them.  Working with an agent who writes commercial insurance regularly can help insure that you have all the additional insured and waiver of subrogation forms that you need to bid on jobs and get paid on those jobs.  We would be happy to help review and quote your commercial insurance for you.  Let us be the experts that you can count on.

How can we help you?

Did you know that we can be your one stop shop for all your insurance needs?  We offer auto, home, life, business, and health insurance.  In some cases you can bundle your life, home, and auto together to take advantage of maximum discounts, when it makes sense for you.  As an independent agency we can work with you to determine your needs and match you with the best carrier for you.  Our yearly review process allows us discuss changes in your life that can affect your insurance needs.  Contact us on the buttons below for a consultation on how we can help you.  In the coming weeks we will highlight some of the policies that we can help you with.  Check back here to see what we can help you with. 

Should all my insurance be with one carrier?

If you watch TV for any amount of time you will see a commercial talking about bundling your insurance, or combining your insurance.  This is a very good practice with many advantages.  The main advantage is the multi-policy discount that you receive.  This discount in some cases can be a large discount and save you a lot of money.  Another advantage is ease of billing.  If you have all your insurance with one company you may be able to receive one bill in some circumstances.  This can save you the frustration of missing a payment due to thinking you already paid that bill.  One bill means no more thinking that you paid your auto insurance when you paid your home insurance.  A third advantage is one call for all your needs.  Having all your insurance with one carrier means that you only need to make one call and you can take care of your home and auto needs (or life and business).  The agent or customer service rep can easily pull up your information and give you the payment or coverage information you need for all policies.  Finally you can develop a good relationship with the agent and the customer service reps.  By having all lines of business with one carrier and making one call for all your needs you get a chance to have a comfortability with the people helping you.  Calling with a problem becomes easier because you are calling someone you know and trust. 


Are there circumstances’ where having different insurance companies is beneficial?  Yes, this can happen if there is a qualifying issue or a coverage issue.  Not every person qualifies for every insurance company based on driving record.  This could lead to a situation where it is more cost effective for you to split up your carriers.  Another time when it could be beneficial to have two different carriers is for coverages.  Carrier A might offer coverages that Carrier B does not on homeowners insurance.  When you look at the difference in cost for the multi-policy discount you might decide to pay a little more to obtain certain coverages.  You could say to yourself that you want the ability to call only one place and talk to the same people, how you can do this if you have two different carriers.  We can help you with that.  With an independent agent, you can have one agency look out for you.  The agency takes the guess work out of looking for the best fit between price and coverage.  Give us a call we would be happy to help you out, or use the email button to send us an email.