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...surance solution for Registered Investment Advisors (RIA) available nationwide...it for AdvisersGold?Firms with 1–20 advisors, AUM up to $750M, and annual gros...

...s offers a dedicated Registered Investment Advisors (RIA) insurance program de...standard custody arrangements. Solo advisors through mid-sized multi-advisor f...

...ales sector which would include Investment Advisors. Investment advisors and financial advisors are...e For more information on our Investment Advisor Insurance contact us tod...

What coverage do you need? The coverage you will need depends on: The type of business you are in The perceived risk associated with it Your business location is also another factor that is taken into consideration. As an example, some states tend to award more in damages to plaintiffs claiming personal injury than others. It’s best to speak with a licensed insurance broker to determine the best coverage for your business. A licensed insurance broker can discuss with you if you fall into the lower risk category. If so, you may want to consider a Business Owner’s Policy (BOP). This policy would combine both your general liability and property insurance (and possibly other coverages) at a multiple policy, cost-effective rate. To learn more from our experts in the Edwards, CO and surrounding areas, get in touch with us. How do you pay for the policy? Three options depending on your circumstances – Paid Up front – usually for new businesses, or businesses that don’t have strong financials. Monthly Installment (financed) Quarterly or twice a year payments (not necessarily financed, but because you have a history with the carrier they give you this payment plan) What does it cost? It’s difficult to come up with any tangible estimate as it varies greatly based on the coverage you need, type of business, revenue earned, exposure profile of the business; what other additional policies you have, etc. But, by way of example - let's take a small marketing services firm (office workers), that has 5 employees (including one owner - 100%). All the employees work indoors, do not use their cars for work purposes, no goods to move, has a company informational website (but no real cyber liability exposure), has clients than typically pay about $20,000 per year in fees to the firm. The firm needs $1M million in coverage and $2 million in aggregate coverage. A firm such as this can expect to pay somewhere between $500 and $2,500 a year in general liability insurance coverage. This is an example only - actual costs will vary. Your state, local county regulations and rule could affect the costs of insurance. To learn more from our experts in the Edwards, CO and surrounding areas, get in touch with us.

Overview of the Investment & Financial Related Program from Pr...financial services firms including investment advisers, mutual funds, trustees...

Errors & Omissions Insurance for Independent RIAs delivers affordable coverage without sacrificing superior protection. Conduct business with peace of mind knowing you have E&O coverage to keep your business protected. RIA Errors & Omissions Insurance Coverage Highlights: Affordable Premiums...starting as low as $1250 Easy Online Application...coverage may be bound instantly for eligible applicants No Limit Sharing…never worry about sharing limits with other firms Multiple Limit Options...choose what is best for you Prior Acts Coverage as a Registered Rep...provides a smooth transition to RIA Top Rated Carrier...coverage you can trust You work hard to protect your clients so why not protect yourself as well? Learn more about RIA E&O Insurance and apply today at www.calsurance.com/ria.

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Common Auto Insurance coverages Some form of liability is mandatory in almost all states. Many people get the minimum coverage to save costs. But, there are a slew of other coverages that are very important. Collision – covers your own car and property. Property damage – this covers damages to the other motorists cars (involved in the accident) and property. Comprehensive – this covers damages and replacement due to being stolen, fire or water damages. But, in some states this comprehensive coverage also includes ‘Uninsured Motorist’ and a few other coverages. What’s included or bundled into a comprehensive policy can also differ by insurance carrier. Uninsured Motorist – mandatory in many states, this coverages kicks in when the other driver does not have adequate coverage or your vehicle is involved in a hit and run accident (the hit-and-run driver is not identifiable) Car Rental Insurance – this kicks in when you need a rental car while your vehicle is being repaired. Medical Bills – covers deductibles and medical payments not otherwise covered by your health insurance or the other drivers (at fault drivers) insurance. Mandatory in some states. Our agents can help you find great auto insurance rates; we know the specific laws and nuances of auto insurance in and around the Kent, OH area. How to pay for your auto insurance policy? The policy normally is valid for 6 months, and renews every six months, although some policies are annual. You can change auto insurance at any time and get a pro-rated refund if due. Most carriers will give you multiple payment options – Monthly auto debit from your bank account. Pay by mail/check (includes a service fee) Quarterly or bi-monthly payments. What about additional drivers and additional vehicles? Some policies (especially comprehensive auto insurance policies) have protection for family members (household members) that drive your vehicles. But, this is not common. Adding additional vehicles is quite simple and will definitely affect your overall premium. Adding additional drivers, while also a simple task, could dramatically affect your policy based on the history of the additional driver. Contact us today and we will help you get this going.

...essional Liability Coverage for Investment Advisers Mercator Risk Services...erformance, alleged deviation from investment strategies, administrative error...