Special AIG Coverage Protects Your Home Before Fires Strike
 Available only to high net-worth clients with distinctive properties, AIG Private Client Group's Wildfire Protection Unit® is as close as you can come to having your own personal fire department.
The team first assesses threats to your home, and then pre-treats surrounding brush with the same fire retardant used by fire fighters. And when a wildfire threatens your property, a Rapid Response Unit will immediately be dispatched to provide additional protection.
This exclusive service is only offered by AIG and available in selected neighborhoods. Call Shepard Insurance today at (818) 508-9925 or (661) 902-0360, or log onto our dedicated website, www.wildfirepeaceofmind.com, to learn more about the concierge coverage you desire and how it can provide the peace of mind you deserve.
New Online Workers' Comp Payment Program Improves Cash Flow Management
 After only a month, Shepard Insurance's free XactPay Web workers' compensation premium payment program is off to a tremendous start. The program allows those who process payroll through Quickbooks© to integrate payment of a Hartford Insurance workers compensation policy premium with the normal payroll. You can:
- Eliminate hefty premium down payments.
- Improve cash flow by enabling as many payment installments as there are pay periods.
- Avoid finance, service and late fees through automated payment plan.
- Minimize the potential for audit adjustments at the end of the policy term.
- Help reduce costly mistakes that may result in fines for inaccurate workers' compensation computations.
Please call us (or have your CPA contact us) at (818) 508-9925 or (661) 902-0360 if you want to make it easier to pay your workers' compensation premium.
Shepard Insurance Offers Travel Coverage
 Travel inconveniences can make your vacation one to remember for all the wrong reasons. Before you have trouble in paradise, check into the travel insurance policies we now offer through Access America, one of the largest travel insurance wholesalers in the country. Whether you're traveling for business or pleasure, going domestic or international, taking a cruise, or hitting the road, Access America has a policy to fit your needs. And, they almost always are more affordable and offer better coverage than what tour companies or airlines sell.
Click here to learn more.
You can purchase the policy entirely online or call us at (818) 508-9925 or (661) 902-0360 so we can answer any questions you might have.
Mortgage Lender Has No Say in Your Homeowners Insurance Limit
Question: Can a lender demand that a home buyer purchase a specified amount of insurance, or purchase a policy from a specified lender?
Answer: While lenders are free to insist that sufficient insurance is purchased to protect the lender's financial interest, they may not require customers, as a condition of the loan, to purchase insurance from any particular insurer. Provisions in the California Civil Code prohibit lenders from requiring insurance in excess of the replacement value of whatever building or other improvements are on the land.
New Sticker Helps Drivers Shopping for a Green Machine
 Once again, California is leading the way in environmental efforts, instituting a green performance label for every new car sold in the state. Currently voluntary, the so-called "environmental performance" rating sticker will become a requirement starting January 1, 2009. According to Edmunds' Green Car Advisor, new car dealers will be mandated to attach eco labels, such as the one pictured above, to all '09 model year vehicles. Each car's greenhouse gas impact will be rated "on a 1-10 scale, with the highest scores representing the least impact, so a ‘9' will be greener than a ‘7'." California Air Resources Board Chairwoman Mary Nichols said the new state law was created to "arm consumers with the information they need to choose a vehicle that saves gas, reduces greenhouse gas emissions and helps fight smog." For a list of the cleanest vehicles on the market, visit www.driveclean.ca.gov.
We Want All of Our Clients to Drive Like Farmers, Pilots and Firefighters
A recently completed study ranked 40 occupations by the number of accidents per 1,000 insured drivers in a 12-month period. The results might surprise you, like they did us. Take a look at the top five (most accidents) and the bottom five (least accidents). And when you're driving, think of your car as a tractor and the freeway as a field - keep it straight and slow.
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