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Consumer's Corner

Use this section to get great tips, useful links and answers to some frequently asked questions as well as view a list the carriers we work with.



The Top Five Things People Wished They Had Known Before They Had An Insurance Claim
  1. KEEP A VIDEO RECORD OF YOUR HOME AND YOUR POSSESSIONS . This can be as simple as taking an hour to "scan" the inside and outside of your home, including all closets, storage, etc., should a major loss occur. This becomes invaluable!!

  2. DO YOU HAVE COVERAGE FOR A HOME OFFICE OR BUSINESS ? Do you have a home office or work out of your home? There are specific endorsements to cover these types of exposures. Without them, you may have a related claim denied.

  3. SCHEDULE ANY OF YOUR "BIG TICKET" ITEMS . If you have any jewelry, artwork, collections, one of a kind or hard to replace property, your existing policy may limit the amount you are paid as a result of a loss, unless the item has been appraised and scheduled.

  4. HAVE AN UMBRELLA LIABILITY POLICY TO PROTECT YOUR ASSETS . This will provide coverage over your underlying liability policies, and given the legal climate we live in, where suits are filed at the drop of a hat, they can provide a layer of protection that you can't afford to be without. (see #5)

  5. DO YOU HAVE COVERAGE FOR PERSONAL INJURY ? WARNING- This has nothing to do with someone falling and hurting themselves. Personal injury has to do with lawsuits for libel, defamation, slander, and invasion of privacy. Since it is not automatically included in many personal liability policies, you must request that it be added. Nowadays, this coverage is highly recommended, especially if you own any tenant occupied or income property.



  1. Why should I work with a broker?
  2. What is a broker of record?
  3. How do insurance brokerages get compensated?
  4. What is Risk Management?
  5. What is an HMO (Health Maintenance Organization?
  6. What is a PPO (Preferred Provider Organization)?
  7. What is the difference between Term and Whole Life Insurance?

  1. Why should I work with a broker?
    A good broker will form a partnership with you in the delivery of solutions for your risk management concerns. When we serve as your insurance broker, we'll work with you to find a risk management solution at a competitive price.

  2. What is a broker of record?
    A broker of record is the broker you have appointed to handle transactions, work on your behalf and represent you in the insurance marketplace. Most brokerages can access similar insurance markets, and in fact, insurance carriers will only work with one broker at a time. The industry has a standardized procedure for appointing a broker with an authorization letter signed by an officer of your company (commonly referred to as a "Broker of Record" letter). This form is also used if you are currently satisfied with your Insurance Company but are having service issues with your existing broker. If you'd like Centurion Insurance Agency to represent you as your broker of record, please call us today.

  3. How do insurance brokerages get compensated?
    Insurance brokerages are compensated directly by the insurance carriers that they have appointments with. Brokerages may also be compensated directly by the client or insured on a fee for services basis.

  4. What is Risk Management?
    Risk Management is used to minimize the adverse effect of loss to property, net income, human resources or liability to others.

    The Risk Management Process is comprised of five basic components:
    Risk Identification
    Risk Analysis
    Risk Financing
    Risk Administration
    Risk Control

  5. What is an HMO (Health Maintenance Organization)?
    When you enroll as a member of an HMO, you select a Primary Care Physician (PCP) from a list of doctors in that HMO's network. Your PCP will be the first medical provider you will call or see for a medical condition. He or she will make any needed referrals to a medical specialist. Typically, these specialists will be part of the HMO network. All covered services MUST be authorized by your PCP for benefits to be paid.

  6. What is a PPO (Preferred Provider Organization)?
    As a member of a PPO, you can choose the doctors and hospitals within the PPO network or go outside of the network for care. You do not need a referral to see a specialist. If you join a PPO plan, you will have more flexibility than with an HMO plan, but your total out of pocket costs will usually be higher.

  7. What is the difference between Term and Whole Life Insurance?
    The basic difference between term and whole life insurance is this: A term policy is life coverage only. On the death of the insured it pays the face amount of the policy to the named beneficiary. You can buy term for periods of one year to 30 years. Whole life insurance combines a term policy with an investment component. The investment could be in bonds and money-market instruments or stocks. The policy builds cash value that you can borrow against. The three most common types of whole life insurance are traditional whole life policies, universal and variable. With both whole life and term, you can lock in the same monthly payment over the life of the policy.



A.M. Best Company - The Insurance Information Source
Independent Insurance Agenst & Brokers of America
Trusted Choice
Cal OSHA Reporter - California's leading publication about the occupational safety and health communit
Workers' Comp Executive - A publication aimed at the workers' comp executive.
Ultimate Insurance Links - Insurance Industry Search Engine and Links

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