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  • How to Fill in Coverage Gaps With Peace of Mind

    When you insure something, you’re essentially bringing yourself peace of mind that, in the event of a claim, you will not experience a total loss. Whether you’re insuring a life, a business or valuable possessions, this peace of mind is an integral part of your daily life entrusted to your insurance agent. Although there are numerous products on the market, you might be surprised to learn that most standard policies contain gaps in coverage, leaving you and your assets vulnerable. At Wiedemann Insurance Agency, we are not tied to any one company’s products, but represent various companies, so we can offer you custom-tailored coverage. And with over 30 years in business, we have the experience to know how to help you fill in those coverage gaps with peace of mind.

    Here are five insurance products that fill in commonly overlooked gaps; letting you rest assured that you’re protected:

    1. Professional Liability

    Most businesses are familiar with general liability insurance, which protects against claims of property damage and bodily or personal injury. While obtaining this coverage is important, it does not protect you from claims of negligence, misrepresentation or violation of good faith. These claims can happen to any business or individual that offers advice or service to others and arise when a client feels they suffered a loss due to the negligence of you or your company. For example, a real estate agent fails to disclose a mold problem to their buyer. The agent could be sued by said buyer for all costs associated with removing the mold. In this case, the professional liability insurance would cover the realtor’s costs incurred while defending themselves against the claim, as well as any that may arise from the judgement. Widely used by medical offices, construction companies and accounting firms, it can give you peace of mind knowing you’re protecting your business from potential financial loss.

    2. Special Events

    Special events, such as a birthday party or your company’s holiday banquet, can require a lot of meticulous planning and can also leave you vulnerable to situations beyond your control. That’s why we recommend protecting yourself with special events insurance, which can cover you or your business from claims of physical injury or property damage occurring during your event. This could be anything from someone breaking their arm during a wedding to a damaged venue bathroom at the company summer picnic. If a claim arises, it would cover potential incurred costs not covered by your general liability policy. In situations where anything can happen, it’s important to have this coverage to help minimize your chance for financial loss resulting from a claim.

    3. Accident

    Let’s face it, accidents happen. And they can happen to anyone, at any time. Accident insurance can help fill in the gaps in your health insurance coverage when you need medical attention as a result of an accident. For example, you break your leg climbing a ladder to clean your gutters. Accident insurance would help cover costs such as: health insurance deductibles and co-pays, medical supplies, physical therapy, gas, food and lodging expenses associated with getting to and from doctor’s appointments. It can also help cover any lost income due to missing work. These are not costs that would be typically covered by health insurance. By obtaining an accident policy, you would have the peace of mind that comes along with knowing you won’t have to drain your savings account in the event of an accident.

    4. Scheduled Personal Property

    Many people have valuables, keepsakes or memorabilia they want to protect, but not everyone is aware that a basic homeowner’s policy will not cover everything they own in the event of a loss. High-value items such as musical instruments, firearms, collections, jewelry, furs or artwork are not fully covered by a basic policy and will need this extra protection. Don’t take the risk of having a fire destroy your childhood baseball collection or take the chance of losing your grandmother’s wedding ring on your tropical vacation—make sure your valuables are scheduled and protected from the start.

    5. Bonds

    Imagine that you’ve hired a contractor to work on your home. Some of us might simply take their proper licensing as bond that they’ll finish the job you’ve hired them to do. Unfortunately, this leaves you open to risk due to coverage gaps in the contractor’s insurance. This is a situation where a contract bond can help you. A contract bond obligates said contractor to complete the job and is guaranteed by the issuing company. In the event the work is not completed, the issuing company is obligated to find another contractor to finish the job. How’s that for peace of mind? Bonds come in many forms and for many reasons; such as probate, license and permit bonds. Each type of bond has their own purpose, but all serve to protect your interests.

    These are just a handful of ways we can fill in your coverage gaps, giving you the peace of mind you deserve and entrust to us. Contact us for a consultation or follow the links below for more information.


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    Here We Grow Again

    Success is defined as the favorable or prosperous termination of attempts or endeavors; the accomplishment of one's goals. While this definition works in certain scenarios, it suggests that success is a sole attainment, accomplished by a person that has set out to reach a certain goal. For those of us in the insurance business, we know our success is only partly attributable to ourselves and that the biggest contributor is actually our clientele. After all, where would we be without our clients?

    Customer Service is Valuable

    It’s probably not surprising to learn that the insurance industry is extremely competitive and each company must go to great lengths to become established and make themselves stand out. This is especially true for independent agencies that don’t have a corporate blanket driving new business toward them daily. And with the number of online users increasing by the second, people are straying away from traditional insurance and taking their chances with the convenience of online shopping. This scenario can be described as every insurance agency’s worst nightmare. But it can also be detrimental to you, the customer. Not only are most of these policies lacking in coverage, they are also lacking a huge success-driving factor; customer service. Many people feel they’re saving time and money buying a policy online, but this often results in surprises down the road.

    There is definitely something to be said about professional experience, know-how and hands-on service, especially in the insurance industry. At Wiedemann, we make customer service a top priority and pride ourselves on treating every client as a person, not just another policy. After all, without you, there’s no us.

    We're Experienced and Committed to You

    And this approach seems to be working. Being in business since 1980 means we've done a lot of growing over the years. It also means we have experience and proven results. This is, no doubt, what makes Wiedemann Independent Insurance Agency one of the top agencies in Oklahoma and why we’ve been able to help loads of people get coverage for their needs and gain priceless peace of mind.

    All of this is important to keep in mind, considering we’re about to make some big changes at Wiedemann. Our friends at Yukon Insurance Agency are leaving the business and we’re thrilled to announce that they’re entrusting their invaluable clientele to us. Although we are sad to see them go, we know Henry and Linda are staying true to themselves in this endeavor and we’re beyond ecstatic to welcome their clients with open arms. We know how hard they’ve worked since 1987, and through some pretty tough economic times, to build a reputable company, based on similar core values those of us at Wiedemann strive to live out daily: individuals over things, relationships over money.


    We realize switching insurance agencies can be stressful and worrisome, that’s why we want to take a few moments of your time to assure you your future is safe with Wiedemann.

    Beyond experience and customer service comes education, and that’s something we take very seriously. Our agents are among the most designated in the nation. We put in the classroom hours to achieve our Certified Insurance Counselor status and are backed by Trusted Choice ®, meaning we’re committed to serving you and are dedicated to providing you with a custom-tailored policy, perfectly suited to your needs. With us, there are no surprises or fine print; we’ve got you covered.

    Conveniently located on 4th Street in Yukon, Oklahoma, we welcome you to stop in and see how we can help you protect your future. Or you can head over to our website to learn more about our company and the products we offer. We can’t wait to meet each and every one of you!

    Individuals over things, relationships over money. Welcome to the Wiedemann way.

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    All Your Business Needs In One Stop

    Any business owner will tell you that running a company is more than a full time job. With a seemingly never-ending list of items to do and multiple daily meetings, starting your day before dawn is a regular occurrence. Some workdays even continue long into the night, with weekend rest unheard of. And the word vacation is nowhere in their vocabulary.

    Sound familiar? Then you may be one of the many people out there with an entrepreneurial spirit, motivating the rest of the world with your work ethic, drive and overall dedication to making your business a successful one.

    But this doesn’t mean you’re all on your own in the professional world. There comes a time when you need to turn the reins over to a trusted source and know that your needs are being handled to the same degree you’d do on your own.

    That’s where Wiedemann Insurance Agency comes into the game. Don’t spend countless unnecessary hours pouring over all of your company’s insurance needs. With one phone call we can cover all your bases, regardless of what coverage type you’re looking for.  We’re your go-to independent insurance professionals and will get the job done with the same level of expertise and enthusiasm we give our own company.

    Here’s how we can cover all your business needs in one stop:

    Products

    When it comes to business, we have all your bases covered. We offer numerous, custom-tailored insurance policies that will provide protection for your company and all of its assets.


    • Bonds- We offer several types, such as Contract, Surety, Judicial and Probate.
    • Commercial Property Insurance- Provides protection from loss to business property like inventory, furniture, equipment and building structures.
    • Business Owner’s Policy- Much like a homeowners policy, this one covers liability, business property and loss of income.
    • Directors and Officers Liability- Protects the personal assets of the directors and officers.
    • E & O- Covers claims resulting from failure to perform a certain professional duty. Policies and coverage varies among different industries.
    • Commercial Umbrella- Fills in coverage gaps that can occur in other business insurance policies.
    • Workers Compensation- Pays for medical and rehabilitation expenses, plus lost wages, for workers injured on the job.

    And that’s just a drop in the bucket. We offer many additional insurance products that can be custom-tailored to your specific business needs.

    Experience

    How can we be so confident we’ve got what it takes to help your company? It’s simple; we’ve been in the industry since 1980, which means we bring over 30 years of expertise to the table with each and every client. And we’ve earned some pretty cool designations along the way:

    • Trusted Choice Agency- We’re an independent agency dedicated to customer service and treating all of our clients like people, not just another policy.
    • Certified Insurance Counselor- With over 100 classroom training hours, we’ve obtained the highest level of proficiency in the industry.
    • Certified Risk Manager- We’re knowledgeable in all areas of managing risks, hazards, and exposures.
    • Certified Insurance Service Representative- We provide an outstanding level of customer service.
    • Strategic Independent Agents Alliance- As a member, we are able to provide service nationwide and a larger range of risk management services we wouldn’t otherwise be able to.

    Customer Service

    What good are all these products and designations if you don’t have great customer service? At Wiedemann, we take service very seriously and do anything we can to help our customers not only get covered, but in the event of a claim, or down the road as their needs change. Here’s how we accomplish this:


    • We make ourselves available 24/7 for our clients. If something happens after hours, we can always be reached by cell phone.
    • We perform an automatic annual review of policies and coverage for all customers, so you never have to wonder whether you’re up-to-date; we’ve got you covered.
    • If something in your company changes throughout the policy term, we offer mid-term audits to manage your premiums.
    • We work to reduce your Experience Modification Rate, which is used to determine your workers compensation premium. If you’ve had claims in the past, this rate will likely be high, but it doesn’t have to be; we take the time to help you get it lowered.

    Because of all of this, we are one of Oklahoma’s leading independent insurance agencies. So, what are you waiting for? Don’t waste any more time dealing with all the overwhelming business insurance requirements, give us a call today! With a quick consultation, we can get your company fully covered and give you the invaluable gift of peace of mind.


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112 South 4th Street Yukon, OK 73099

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