Almost all insurance companies use the similar “loss” numbers and actuaries. So why do some companies charge more for premiums than others?
Did you know that when you receive quotes from several different insurance companies, even if the rates are about the same, that doesn’t mean the coverage will be?
If you’ve been offered a lower rate, find out how the company provides those low premiums.
- Do they have less overhead to pay?
- Do they regularly pay claims?
You want the numbers to work in your favor, not against your insurance claim. Learn more about insurance and how coverage actually works by talking to Eric or Marissa at Northern Nevada Insurance Agency.
Insurance is more than just paying a bill. It’s about making sure your entire life from your house to your business and everything in between is protected against that which is out of your control.
You may not know what the future holds, but you can certainly make sure that you have enough insurance coverage for it.
Remember, it’s not how big your premium is, it’s how much coverage is included in your policy. Knowing how to write a policy for your individual situation is how we spend our working days at Northern Nevada Insurance Company. We help you plan for the future, no matter what the days ahead will bring.
Personal / Family
Reviewing the equation above, a person can feel overwhelmed with the expense of healthcare coverage. However, options do exist that are an alternative to traditional health insurance. There are still cafeteria-like plans and / or health savings plans that are a better fit for those who understand how these alternatives work.
For Business Owners
When you’re looking for a game changing alternative, we can show you how different options will work for your business and your employees. Please contact us to inquire about the types of healthcare insurance plans available for both traditional and non-traditional providers. We encourage you to ask questions.
Our time and knowledge serves our clients. We share what we’ve learned, teaching our clients to focus on the benefits insurance provides, so they make decisions that work for their bottom line. Get a quote here or contact us for a consultation to learn more.
What protects your business from accidents that happen to customers or vendors?
A BOP does.
What if the power goes out due to a fire next door?
Or, what if you need that power to operate a freezer or manufacturing equipment?
Is your business covered for loss of use or for credit card fraud?
Business insurance protects your company and its assets from accidents and from B2B transactions that don’t go exactly as planned.
Do you know what’s in your BOP? Find out the different items your business is covered for under your BOP. And, if those answers don’t protect your business, we are here to help you find answers that will. Supplement the risks you take in business everyday. Know your BOP.
Farmers Insurance Agent
Hi, I’m Eric:
I’m Eric Olivas, owner and licensed insurance broker of Northern Nevada Insurance Agency.
We welcome you to our office and are very happy to meet with you to review policies. Our goal is to help you learn more about how insurance can protect what you value and love.
We are a trusted resource in the field of insurance.
Many clients have become friends. Most call me and say, “Eric, please just take care of it.” And, of course, I do, but I also do my best to educate my clients too.
Insurance is an expense.
Why not treat it as a means to protect more than just your stuff? It’s your insurance; you’re paying the premiums. You are the reason that we do our best to ensure that the insurance you pay for covers everything you need it to, so that your life, income, and assets are as protected as possible.
You don’t know what you don’t know–right?
Learning how to use insurance to cover what is vital and important is a skill acquired over years of working in the industry. I’m happy to share what I have learned. My team and I work diligently with our clients to inform them of the risks they take without knowing it. We are here, ready and available to answer your questions and meet your insurance needs.
Agency Producer and Account Manager
Hi, I’m Marissa:
I’m Marissa . . . . I am a licensed insurance agent who works with Eric Olivas at Northern Nevada Insurance Agency.
No two days are alike when you work with our local community as an insurance agent at NNIA. Some days are filled with phone calls and emails. Then there are days that I have to research and write a BOP for a business that is very different from others. There are challenges to be sure, but it’s also an environment where learning how to better serve our clients happens daily.
Our Clients are Awesome
I truly appreciate our clients. Their questions and requests for different insurance products provide the momentum to continue growing and learning in this field. There’s a never ending supply of information that has to be reviewed regularly. Whether it’s a class I need to take, or a product that I have to research, the amount of learning that happens in the insurance field is part of the fun of working as an agent.
It’s About Protection
The reason that insurance is different from most fields is two fold. One, insurance is not only a service, it’s also a product, and that product has to be written to suit the requirements of the client. It’s a challenge to be so flexible in providing a product, but it’s also the reason our clients trust us with their lives and livelihoods. We are here to help them and they know it. I look forward to supporting your insurance needs!
Agency Producer and Account Manager
Hi, I’m Rachael:
I’m Rachael Schryer. I’m very proud to join Eric and Marissa as a licensed insurance agent at Northern Nevada Insurance Agency (NNIA).
Insurance is not just a commodity.
When I help clients understand how insurance works–the ins and outs of the policies they pay to protect themselves and their property–it builds their trust in the products and their connection with me and our team.
Taking the time to talk to clients, sharing my knowledge, and explaining how the policies operate, encourages clients to rethink their relationship with insurance. That sounds funny, but it’s very true.
Insurance is about financial stability.
Insurance is more than just another bill. It’s the means to wrap a layer of financial protection around you and your family to weather the potential difficulties that everyone inevitably encounters.
When clients look at insurance the way an agent does, then they see that the investment they put into a policy affords them a confidence that few other things in life do.
As an insurance producer, my job is to help our clients.
I’ve worked in insurance for over a decade–and I’m still learning. It’s the nature of the industry. I started by talking to people on the phone. My interest in the field grew, as I quickly took on more complicated roles. Eventually, I was working as an Agency Business Consultant. My job was to assist new agents in building their businesses.
Helping new agents, being there for them as a guide, taught me how to be a successful member of a team. I truly enjoyed working with agents (now called producers) to build their presence in the community. As their reputation and business increased, so did my confidence, which is why I chose to become a producer myself.
What’s in Your CLUE
A CLUE– Comprehensive Loss Writing Exchange–report reflects a person’s insurance history for the past seven years. CLUE reports include the basics, your name and contact information, such as an address and phone number. They also include accidents, tickets, and claims, plus how many times an individual has changed insurance companies.
A CLUE score shows an insurance company an individual’s proclivities in managing auto and home insurance policies, and the number of times a person has involved an insurance company in a claim.
LexisNexis is the consumer reporting agency that houses CLUE reports. The Fair and Accurate Credit Transaction Act, FACT Act or FACTA, entitles a person to receive one complimentary consumer disclosure report. Reports can be requested every 12 months.
Stop by and see us sometime! We’re located in the center of Reno, right on California Ave. We’d love to sit down with you to discuss your insurance goals today.
Give me a call at (775) 348-4700 and I’ll be happy to answer any questions you might have.
