Took this picture after hours (wink wink)!                                                     Seriously, Farmers Commercial Insurance has a new insurance program for Taverns and Bars! If you own a bar/tavern OR just know someone who likes to go to them, think of us....best yet - call us first.  Cheers; call the April Schaffroth Agency where everybody knows your name - 602-297-5155.                                                                                                                                                     Now that Farmers Insurance offers coverage for Restaurants, Bars and Taverns, it brings a ton of needed coverage to your business.                                                                                                                       Features and Benefits
 Business Liability rating based on square footage
 Cyber Liability Coverage
 Employment Practices Liability Coverage
 Equipment Breakdown Coverage (Premier Only)
 Business Income Enhancements (tips included, boil water order, franchise royalties, off premises event cancellation)
 Food Contamination Shutdown
 Food Spoilage
 Ordinance or Law – Equipment (Premier only, Sublimit)
 Utility Service – Time Element (Optional Primary, Sublimit Premier)

Resources available
 MySafety Point – Loss Control Website
 FarmersCyber.com – Cyber Liability Website
 FarmersKey.com – EPLI Website
 Loss Control Department
 Claims Personnel are Farmers Employees
Features and Benefits – Restaurant Pro                                                                                                                                                           

Give April Schaffroth at 602-297-5155 a call to review your current coverages and get your business taken care of! www.insuranceinaz.com

Introducing our "Give it to Get it" Referral Challenge 2016. Why; because cool people know cool people and we only want to work with cool people like you!                                 GIVE us a referral and you GET a chance to win a gift card. Message us with your cool friend's contact info and you'll be entered to win in next Wednesday's drawing.  Whether it is for Subway, Starbucks, etc, the most important thing to know is your friend or family member will receive the VIP treatment from start to finish.                                                                                                                                                                                                           As you can imagine from a small business owner; the word of mouth referral is the most important one to receive.  From www.outboundengine.com  While there are some tried and true practices that you all are familiar with, both online and offline, its time to get a little bit more creative. Word of mouth (WOM) marketing takes place in two forms. The first is one you’re familiar with already. This is when someone directly refers a friend to you for business. The other is the long term WOM approach. This is where you stay in touch with your client base through email and social, not asking them for business, but giving them the chance to promote you indirectly.                                                                                                                                        



At the end of the day, your clients are people just like you. When you reach out to your customers and clients, be informal and conversational. Whether it’s through direct mail, email, social media, in person, or over the phone, have a genuine tone to effectively convey your message. Don’t over complicate things either. Don’t be afraid to directly ask them for a Yelp review. All you need to explain is that it helps your business grow and you’d greatly appreciate it. Plain and simple.                                                                                  
The long and short of increasing your WOM marketing in 2016 is to continue to build a strong relationship with your clients after you’ve already done business with them. By building up this personal relationship, you stop becoming the business/brand that you represent and you become a trusted resource and knowledgeable industry professional that gets talked about.                                                                                                                                               That is what the April Schaffroth Farmers Insurance Agency would like to promote this week with our 2016 Referral Challenge.  Please give us a call at 602-297-5155 or www.insuranceinaz.com.

Online dating? Ever been "surprised" when the person shows up and wasn't what you thought? Don't let this happen to your insurance.
You don't want to think you have coverage for a Corvette when you only have coverage for a Smart Car!                                                                                                                                                                           From the advice on www.dmv.org; Underinsured Motorist Property Damage Coverage
Underinsured motorist property damage (UIMPD) coverage applies when the at-fault driver has inadequate insurance coverage.
This coverage helps pay for damages to your vehicle when the at-fault driver's limits don't fully cover your expenses.
Example:

• Your vehicle sustains $5,000 worth of damage.
• The motorist who hit you is only covered for $3,000.
• You have $10,000 of uninsured motorist property damage coverage.
• Your underinsured motorist property damage plan will compensate you for the $2,000 difference.
Underinsured motorist property damage coverage is not restricted only to vehicle damage. It will, in some instances, also cover valuable items―computers or cell phones―in your vehicle at the time of the accident. Depending on the circumstances and your state, it may also cover you if the underinsured driver destroys your fence, mailbox, or other personal property.  


                                                               
So many clients have their vehicle underinsured and have no idea of what their current coverage is compared to what they need.   That is why it is so important to call April Schaffroth with Farmers Insurance to make sure you are properly covered for your needs. 


Call April Schaffroth at Farmers Insurance to make sure youhave the right insurance at 602-297-5155 or                                                                   www.insuranceinaz.com

Superbowl parties can be fun, but they CAN get out of hand. Your insurance needs to be in place with enough coverage in case your guests get into a pyramid (see the supermodels below) and then crash the pyramid into your coffee table and hurt themselves (also see the supermodels below)!!!                                                        There are many sites that offer ideas on how to stay protected when hostitng a party but from www.insurancegroupusa.com it shares some details about what to look for when hosting a Superbowl Party.                                                                                                                                                       
On Sunday, millions of Americans will be watching the Super Bowl with friends, over a spread of food and beer. The Super Bowl is the most watched game of the year, and whether your team wins or not, the night will end with one of the most dangerous drives of the year too, as too many drivers have had too much to drink at their parties. A late kickoff, a long game, and too many drinks without designated drivers results in staggering numbers. Last year, 48% of the 13,000 fatalities from accidents on Super Bowl Sunday involved drivers with a blood alcohol concentration (BAC) level of .08 or higher.
“Those throwing a party where alcohol is served have both a legal and moral responsibility to make sure that their guests are capable of driving safely,” said Loretta Worters, vice president with the Insurance Information Institute. “You don’t want to allow anyone who has been drinking to drive a vehicle while impaired. Not only do your guests risk injury or death to themselves or others, but you may be held financially responsible.”   



"Social host liability" is the legal term for the criminal and civil responsibility of someone who furnishes liquor to a guest. You may know it by "Dram Shop Liability" as well. Laws differ from state to state, but 43 states have them. These laws give someone who is injured (like a victim of a drunk driver who was served at your party) the right to sue you. You could even face criminal charges in such a scenario.
Here are some other things to consider for your party on Sunday:

• Understand your state's laws regarding social host liability, as they vary by state.
• Consider a different location other than your home for watching the game, like a spacious restaurant or bar.
• Encourage and talk openly about having a designated driver. Have taxi service phone numbers on hand.
• Limit your own consumption so that you can be more alert of your guests' sobriety.
• Offer non-alcoholic beverages and food/snacks.
• Stop serving liquor towards the end of the game, and offer coffee and water to guests.
Above all, be an aware and responsible host and/or driver.
If you're attending a Super Bowl party this year, we ask that you drive safely and wear your seat belt!                         


Call April Schaffroth at Farmers insurance to review before the kickoff! 602-297-5155
www.insuranceinaz.com

Everyone looks great in black and white! However, there is nothing black and white about your insurance.                                                                                     We are the Insurance Advisors that can clear up any confusion you may have.  You can also find more answers to your questions on Farmers.com.  See some of the common questions clients have listed below.  
On www.farmers.com it states: 

How much Auto insurance do I need?
Most states require you to carry a minimum amount of Liability insurance and also provide proof of insurance to register a vehicle or renew your license. In the case of an accident, the minimum Liability insurance required by the state may not be enough coverage to pay for the damages that result after an accident. In this case, the driver responsible for the accident may have to pay additional expenses out of pocket. To determine how much Auto insurance you need, consider:

• The value of your assets
• How and when you drive
• What you drive
• Who is in the car with you
  
How much Auto insurance does my state require?
To ensure everyone on the road is covered in case of an accident, most states require drivers to carry a minimum amount of Liability insurance, or establish financial responsibility in some other way. Drivers must also have the ability to provide proof of insurance to register or renew a driver’s license. This is the case for cars, trucks, motorcycles, and commercial vehicles. You may want to consult with your Farmers agent and visit DMV.org to learn about your state’s unique requirements.



How can I compare Auto insurance quotes?
Looking for Auto insurance quotes can be confusing. When you get an Auto insurance quote from Farmers, we will guide you every step of the way to help you choose the amount of insurance that you determine to best fit your needs. Farmers can also compare rates with other top companies in just minutes to see who is offering the best price.

How do insurance companies assess my risk?
Insurance companies assess your risk by using a Risk Assessment Indicator, which is a numerical score based on credit report information. These Risk Assessment Indicators are highly predictive of future claim activities, helping insurance companies charge a rate that is appropriate for the risk of the insured individual.

What can I do to lower my Auto insurance costs?
While there are a number of factors that contribute to the cost of your premium, there are some things you can do to help reduce it. The car you drive will greatly affect your premium. To lower your Auto insurance costs, you may consider switching automobiles and driving a safer, slightly older, or less valuable vehicle. The more your vehicle is worth, the more it can cost to insure it. If you don’t want to change cars, you can modify your vehicle to make it safer or lower-risk by adding anti-theft devices or features like anti-lock brakes. In addition, selecting a higher deductible and ensuring that your coverage doesn’t lapse may help you keep your Auto insurance costs down.

If you don’t want to change or modify your car, you can also consider changing your driving habits. Your driving record is one of the most important factors considered when determining your premium. You can also try cutting down on the miles you drive and bundling your insurance policies to save you money.

How do I find the best Auto insurance for me?
Deciding on an Auto insurance policy can seem overwhelming. It is important to choose a local agent who can help match you with just the right coverage for you and your vehicle. When getting an Auto insurance quote from Farmers, a local Farmers agent will help you every step of the way to choose an Auto insurance policy that makes sense for you.

How do I find the lowest Auto insurance rate for me?
To find the most affordable Auto insurance policy for you, take the time to compare insurance providers to see who can save you the most money while providing you the most value. Many insurance companies combine low rates with discounts to provide lower premiums for young drivers. Farmers even offers a Good Student Discount to qualifying young drivers with good grades. And drivers who have multiple insurance policies with Farmers can bundle and save, as well.                                                                                                                                                Call April Schaffroth 602-297-5155 to get a clearer picture of your coverage today! www.insuranceinaz.com

Who says the gift giving season is over?? The Schaffroth Farmers Agency provides a special gift to our clients. Clarence Young (the cute guy in the bow) works with Am Plan a 3rd party inspection company.


Our agency has partnered with AmPlan to provide a complete inspection of our clients' homes to prevent possible losses. The best time to find out if you have an issue is BEFORE you have an issue!                                                                                       


AmPlan® has helped countless property owners avoid the devastation of water damage. AmPlan® is an easy to use program that provides unmatched assurance and protection against future damage. Finally, property owners and the insurance industry can feel confident knowing there is a simple program designed to reduce the potential for damage and future insurance claims!                                                                                             



AmPlan® provides a Property Assessment of the items that commonly fail causing catastrophic water damage. Homeowners, Building Owners, Property and Facility Managers utilize our Property Assessment Reports as a checklist of items to be repaired before they cause problems. The insurance industry loves our ability to save their clients money and hardship and reduce overall instances of insurance claims!                                                                                 
Call April Schaffroth today to find out how this program will work for you. 602-297-5155. 
www.insuranceinaz.com
                             

                        Happy Holidays from the Schaffroth Farmers Agency!                                  Once again, you will find us on the nice list and we are sure you are on there too....

We sincerely appreciate your support and business this year! We wish you and your family a safe holiday!                                                                                   Call April Schaffroth at 602-297-5155 or visit uswww.insuranceinaz.com