Thank you for visiting our Virginia Insurance Blog!
Thank you for visiting our Virginia Insurance Blog!
The Insurance Advisor is a full service Independent Insurance Agency that represents many top-rated companies. We assess risks and shop companies to find the best coverage for the price. You get the best value for the insurance you need. In addition to personal and business insurance, we also represent many Financial Services and Health Insurance companies.
This blog and our site is dedicated to providing useful Insurance and Financial Services information and resources. Below is a summary of our resources:
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Press Release: The Insurance Advisor is the 2013, 2014, and 2015 Best of Richmond Award recipient for the Insurance Company category.
The Insurance Advisor, LLC is the “2015 Best of Richmond Award” recipient for the Virginia Insurance Company category. This makes the third year in a row we have received this award (2013, 2014, & 2015)! Thanks to our clients, carriers, service providers, Smart Choice, and associates!!
The Richmond Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.
Each year, the Richmond Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the area a great place to live, work and play.
For our clients’ convenience, our Agents are available in and out of the office and during non office hours. Yes, we give our clients our cell phone numbers. We also answer our office phone–no multi-layered prompts. We are dedicated to providing the most exceptional and timely customer service in the industry.
A few Virignia Insurance Companies we represent include: AIC, Allied, Anthem, Arrowhead, Atlas, ASI, Augusta Mutual, Blue Cross Blue Shield, BTIS, CNA, Dairyland, Donegal, Dovetail, Encompass, Foremost, Grange, Hagerty, Humana; Kemper, Main Street, Lincoln Financial, Liberty Mutural, Mercury, MetLife Auto & Home, Mutual of Omaha, NetComp, Safeco, Starr DoveTail, Tapco, The Hartford, Titan, Trans America, Travelers, and many more.
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“We Do The Shopping For You”
Insurance For Your Business
Our Business offerings include insurance products and risk management services–we are your full service insurance solution–from commercial property and casualty to employee benefits–we have you covered. There is no need to have multiple agencies to provide the coverages and services for your business.
Insurance For Your Personal Life
Our Personal Insurance and Financial Services offerings also include insurance products and risk management services–we are your full service insurance solution–from auto, home, boat, RV, motorcycle, and power sports to health, life, and fixed annuities–we have you covered. There is no need to have multiple agencies to provide the insurance coverages and financial services for your personal needs.
The Best Virginia Insurance Value and Customer Service
We combine years of experience and top-rated companies and products to provide exceptional service and value to our clients. Our trained, professional staff will do the research, analysis, and shopping for you. You save time and money and get the best value for the Virginia insurance and financial services you need.
Call, request a quote by email, or visit us at one of our offices today for a free, no obligation risk assessment and quote. Let us do the research and find the best value for the Virginia Insurance you need.
The Insurance Advisor now offers more competitive products and solutions for Virginia consumers, including Virginia Auto Insurance, Life Insurance, Home Insurance and Business Insurance.
Contact The Insurance Advisor for more information (804) 638-9024 and click the image below to read the full article!
The following article was published on a variety of networks including ABC, Fox and NBC. It has also been syndicated to news RSS feeds and announced within the most popular newsdesk databases.
Marc Majnerich, co-founder of Alternatives Insurance Group, is re-branding Alternatives Insurance of Chesterfield to The Insurance Advisor. This change is one of the many to come. The Insurance Advisor opened in 2002 as a full service independent insurance agency and a corporate location member of Alternatives Insurance Group, a group membership organization of local St Louis area insurance agencies founded in 1992. The licensed insurance agents have a combined 70+ years of experience and are dedicated to provide personal and business insurance tools, resources and the most current technology. Each year, their licensed professionals maintain the certified educational requirements required by the Virginia Bureau of Insurance. The team continues to add products to specifically meet Virginia residents needs.
“Less is more” is the idea of the re-brand design concept. Less relates to narrowing down the available insurance products to a handful of key partners. Safeco, Travelers and Progressive will likely be the top three, out of more than 15 carriers, for years to come. More relates to reducing the number of carriers is a value-added benefit in that the agents and staff members are able to stay on top of current trends, stay educated and up to date on all represented carrier partner underwriter practices for each carrier that is represented by The Insurance Advisor. In fact, a large part of the success of local captives is the fact they know the ins and outs of one single company, and they know the ins and outs very well.
In addition to the new brand and eye catching design, The Insurance Advisor has incorporated a custom Client Portal allowing clients to access basic policy information, quick link to the carriers and their insurance documents 24/7. The Insurance Advisor also offers a web based Consumers Rater for Virginia consumers looking for instant personal lines quotes from Safeco, Travelers, The Hartford, Progressive, EMC, MetLife and several other A+ carriers. “Our use of technology allows us to have fewer staff members yet still provide the highest quality efficiency and superior service to our clients and prospects.”, reports Marc Majnerich, owner of The Insurance Advisor. The Insurance Advisor as a whole, is the single largest annual net written premium volume agency of the Alternatives Insurance Group.
“Over the next few years, I plan on reaching out to strong regional insurance carriers in order to fill voids. I think offering quality products to consumers which prefer buying from local independents and regional insurance carriers will become more and more common. Buying power will be shifting from baby boomers to millennials.. and our goal to be prepared to communicate and offer technology based features as well as allow clients to dial our direct extensions with the push of a button or clicking their mouse… In fact, the new world of impatient consumers refuse to hold or verbally ask for their agent. They simply want direct contact immediately or elect to no contact at all.”, says Marc Majnerich of The Insurance Advisor.
The Insurance Advisor is a supporting member of the Virginia Association of Insurance Agents and committed to the Trusted Choice Pledge.
Unfortunately, tornado season has been a rough one this year. We have witnessed much devastation and couldn’t help but think, “I hope they had good homeowner insurance coverages”. This thought is not from a selfish standpoint, but rather a professional who knows the risks and can help people avoid total loss in the event of a covered peril.
The following video will explain how The Insurance Advisor can help you. Don’t wait until insurance companies put a freeze on writing policies! Call Today (804) 638-9024
Have you been searching the internet for “Auto Insurance Quote Chesterfield Virginia.” If so, your search is over! Just click on our Instant Quote Line and complete the online Auto Insurance quote engine form. In only a few minutes, you will have Chesterfield Virginia Auto Insurance Quotes from multiple, top rated, insurance companies.
With our utilization of cutting edge automation, we’re able to provide superior service to our clients including A+ rated insurance products. Our agents proudly represent many of the industry’s leading insurance carriers so we can offer you competitive rates through Travelers, Safeco, EMC, MetLife, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.
If you’re like our insurance agents, your busy with work, picking up the kids, making dinner and so on. By the time the weekend comes around we pay the bills and wonder where all the money has gone! The Insurance Advisor can help you save time and money with our new online quoting system. In just a few minutes, our system will calculate your Auto Insurance Quote Chesterfield Virginia!
Visit Chesterfield Virginia Auto Quote Page to get your instant, online quote. Once you receive your Chesterfield Virginia Auto Insurance quick quote, one of our agents will be in contact to help speed the process along. Virginia Auto Insurance has many components and varies from company to company. It is not an easy task to understand all of the issues involved in making a decision about what car insurance policy and features are best for you. Buying just any policy without fully understanding your risk and coverage needs could be a very costly mistake. So, with your information, we will shop your auto insurance for you – saving you time. It does not cost more to have our professional assistance—we are likely to find the best
coverage to meet your needs for a lower cost by shopping many top-rated companies.
Virginia Auto Insurance prices vary for each individual, family, college student, homeowners, etc. For example, people with good driving records pay less than a driver with traffic violations or collisions where they have been at fault. Prices will also vary depending on where the driver lives. A person who lives in a major city such as St Louis, will pay more than someone who lives in a small town, despite the two having the same driving records.
The Insurance Advisor is a full service independent insurance agency representing many of Virginia’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the Chesterfield Virginia insurance industry, our agents are knowledgeable and competent specializing in Virginia Auto Insurance, Home Insurance, Renters Insurance, Business Insurance, Workers Compensation Insurance, and, don’t forget the boat & motorcycle!
The Insurance Advisor is committed to outstanding customer service. We pride ourselves knowing that we offer the best insurance products at an affordable price that meets your needs. Our professional agents can handle your transactions with ease and help you understand your risks, the proper coverage, and benefits. You can trust that our agents have strong credentials and stay on top of current trends in the insurance industry. We maintain relationships with insurance carriers, that allow us to provide quick turnaround time on all your questions, needs, and insurance claims.
Our staff members are trained to be proactive and provide the right answers, helping you understand your insurance coverages. Most importantly, we will earn your trust by becoming your partner. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.
We’re committed to outstanding customer service
We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance of Chesterfield team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.
We’re committed to professionalism
Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance of Chesterfield have strong credentials and all of our policies are presented to you in a consistent and professional manner.
We’re committed to solving problems quickly
MJM Insurance of Chesterfield has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.
We’re committed to earning and maintaining your trust
We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.
Searching for an Auto Insurance Quote in St Louis Virginia? Visit The Insurance Advisor of St Louis.
First, let’s start with the safety factors for tornado season. We’re going to cover Virginia Home Insurance | Protection Before Tornado Season. While no home can ever be made “tornado-proof,” homeowners prepare for tornadoes ahead of time can improve the odds of their home surviving high winds by taking these precautions.
According to wikipedia, a tornado watch is issued when weather conditions are favorable for the development of severe thunderstorms that are capable of producing tornadoes. In most cases, the potential exists for large hail and/or damaging winds in addition to tornadoes.
A watch does not mean that the severe weather is actually occurring, only that atmospheric conditions have created a significant risk for it. If severe weather actually does occur, a tornado warning or severe thunderstorm warning would then be issued. Note that a watch is not required for a warning to be issued; tornado warnings are occasionally issued when a severe thunderstorm watch is active, or when no watches are in effect), if a severe thunderstorm develops and has a confirmed tornado or strong rotation.
Take these additional steps to protect yourself and your family:
There are many ways to purchase Virginia Home Insurance. For homeowners to make sure they have the right protection in place, it is highly recommended to meet with a licensed insurance professional to review your policy. There are many choices in coverages, endorsements, discounts, and more. It can be a bit overwhelming, and our agents at The Insurance Advisor can help.
Home Insurance policies in Virginia can be very different and the price of insurance varies based off the risk of the home, location, etc. If you can think of anything, realize that you’re not buying a commodity; you’re protecting your financial well being…and the choices you make could affect you for the rest of your life. After you read this post, check out our page for additional Virginia Home Insurance at Virginia Home Insurance Information.
Our motto is “Expect More. Receive More.” The Insurance Advisor is a full service independent insurance agency representing many of Virginia’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the Virginia insurance industry, our agents are knowledgeable and competent specializing in, not only home insurance, but also auto, renters, boat, motorcycle, business automobile, workers compensation, and general liability. With our utilization of cutting edge automation, we’re able to provide superior service to our clients including A+ rated insurance products.
So, let’s get together and review your homeowners insurance policy to make sure you have sufficient coverage to rebuild your life and home after a tornado. Report any property damage to your insurance agent or company representative immediately after a natural disaster and make temporary repairs to prevent further damage. For information about filing an insurance claim after a natural disaster, contact The Insurance Advisor.
Here in the USA, tornadoes have occurred in every month, so any time is a good time to review tornado safety procedures – for home, for school, for work, in the car, and while out and about. And if you are considering a storm shelter, take a look at Tornado Project Online to learn more about shelters.
If you don’t regularly watch or listen to the weather report, but strange clouds start moving in and the weather begins to look stormy, turn to your local radio/television station or visit www.weather.com to get the weather forecast.
Remember, if a tornado “watch” is issued for your area, it means that a tornado is “possible.” If a tornado “warning” is issued, it means that a tornado has actually been spotted, or is strongly indicated on radar, and it is time to go to a safe shelter immediately.
Source: Institute for Business and Home Safety. IBHS is a national nonprofit initiative of the insurance industry to reduce deaths, injuries, property damage, economic losses and human suffering caused by natural disasters.
Virginia Home Insurance | Protection Before Tornado Season
Mortgage lenders will require homeowners to insure their home for at least the value of the money you borrowed. Check out this quick video to learn about Virginia Home Insurance Coverages, the basic homeowner coverages and options, that may be available to you. Contact one of our licensed agents for a free consultation today. (804) 638-9024
Winters in Virginia can be long with temperatures ranging from mildly to bitterly cold. Kansas City’s average January low is 26 °F and St. Louis’s average January low is 29 °F. While our agents are here to help our clients with any claim needs; we also want to help clients avoid winter damage to their home.
Losses from snow, ice and freezing temperatures have averaged about $1.2 billion a year, and may be double that amount this year. This article provides useful tips for homeowners to keep in mind during the winter months. Virginia Home Insurance | Avoiding Claims in the Winter.
Most homeowners insurance policies have a deductible that the insured is responsible for paying. And if the claim exceeds the policy’s limits, the insured could be responsible for additional costs. Licensed agents with The Insurance Advisor will review homeowner policies at no charge. Winter damage could cause insurmountable damage, so it is important to make sure the right coverages are in place.
Loretta Worters, spokeswoman for the Insurance Information Institute, said most standard homeowners’ and renters’ policies cover damage from burst pipes and other winter-related mishaps, including roofs that collapse from the weight of snow and water damage from ice dams.
It’s best to check your policy ahead of time, to make sure you know just what it covers, and what your coverage limits are.
The Insurance Advisor has been serving Chesterfield Virginia community for more than 10 years. Our agents provide a free analysis of homeowners’ insurance policy coverages, deductibles and premiums. It is our pleasure to provide this video, Virginia Home Insurance Covererages, please call us to schedule your appointment today.
The Insurance Advisor understands the various needs of Virginia homeowners, and can help homeowners understand the available Virginia Home Insurance Coverages. Our agents will conduct a free review of the homeowner’s current situation and create a custom homeowner insurance package that specifically protects the individual and/or family with dwelling, personal property, other structures, liability, medical, and specialized insurance coverages. Read more
Insurance carriers offer different benefits, and restrictions, for Virginia Auto Insurance Roadside Assistance. Contact our licensed agents for a free review of your auto insurance policy and we’ll help you determine if you have the best roadside assistance package. (804) 638-9024
Have a safe and enjoyable Thanksgiving from all of us at The Insurance Advisor!