Category Archives: Dagley Insurance

This Year, Save Money on Your Business Insurance!

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Are you ready to start saving in 2012? Let’s start with your business insurance! As your reliable Texas insurance agency, we have a few tips to offer.

Here are five ways to save on your business insurance:

#1: Choose a higher deductible. By choosing a high deductible, you may need to pay extra once an accident occurs, but your premium will be lower. Many businesses can afford the higher deductible.

#2: Take advantage of group rates. The bigger the group, the more savings! If you are a part of an organization, you can often get a group rating. Be sure to check with your local chamber of commerce!

#3: Improve safety in the workplace. Having extra safety features such as training programs and even a security system may help reduce your premium. Make sure your agent knows about these features!

#4: Reduce your coverage. Sounds weird, right? However, while your company needs coverage that does not mean that it needs EVERY single policy. Make sure you speak with your Texas insurance agency about putting the proper coverage in place without overdoing it.

#5: Consider relocation. Many times, your premium will be based on the location and area you are in. If your company is based in a high-crime or risky area, the premium will be much higher. It may be time to relocate!

There are always ways to save on your business insurance premium- you just have to do the research and make the proper changes. Good luck!

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Top 10 New Year’s Eve Safety Tips!

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In only a few days, 2012 will be here! Can you believe it?

While we all enjoy celebrating New Year’s Eve with friends and family, we also realize just how dangerous it can be without the proper precautions. It is fact that New Year’s Eve is the night with the highest rate of drunk-driving accidents and collisions. If you and your friends are not careful about driving and throwing parties, you are sure to become a part of that statistic.

In order to keep you safe this holiday, our Colorado insurance agency has put together a list of the top 10 safety tips for New Year’s Eve. Take a look!

  1. If you are hosting a party, always serve food and non-alcoholic beverages along with the alcohol.
  2. Make sure your home is ready for guests to spend the night.
  3. Put away all fragile items and valuables in your home to prevent an accident or damage.
  4. Stop serving alcohol at LEAST an hour or two before guests will be leaving.
  5. Call your local cab agency to find out their rates and hours.
  6. If you will be driving home later, make sure you find a designated driver.
  7. If you are going over a friend’s place, always pack an overnight bag; just in case.
  8. Whether you have been drinking or not, always be alert on the drive home. You never know who is driving next to you!
  9. Be careful setting off fireworks. If you never have done so, it may be best to pass on this.
  10. Make sure your pets are safe and sound; many may be afraid of loud noises, fireworks, crowds and the rowdiness in your home.

These top 10 safety tips are only a few ways to help you avoid an accident on New Year’s Eve. As long as you are mindful of your actions and monitor your alcohol intake, you should be okay!

If you do experience an unexpected accident at home or on the road, have no fear. At Dagley Insurance and Financial Services, we make it easy for you to bundle your auto and home insurance policies. This way, you will have the proper coverage in place for an affordable price. If there is any time to have Colorado insurance, the time is now.

Happy New Year!

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The Holidays Are Here! Are your Decorations Up?

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With the holidays only a few days away, we thought we would check up on the status of your decorations! While many Americans may have their décor all ready, others are scrambling to put up the tree. While holiday decorations are beautiful and fun for all, they can also be extremely dangerous without the proper care or caution.

In order to avoid a decoration disaster, our Texas insurance agency has put together a few safety precautions.

#1: Check your holiday lights. Holidays lights are beautiful both indoors and out. However, it is important to make sure that all bulbs are working properly, not cracked and the wiring is not damaged. Be sure to also check the label for a UL or ETL label to make sure they are safe to use!

#2: Hang up the stockings. Decorating the fireplace and mantle is great around this time of year, but be careful with placement. Make sure stockings are not too low, or else a jumping ember could start a small fire.

#3: Put up the tree. Whether real or fake, it is important that you keep your tree away from any heat sources to avoid a fire. Place your tree in a study stand to avoid a fall and pass on glass decorations if you have children!

#4: Put out the Menorah. If you are celebrating Hanukkah, it is time to light the Menorah! However, remember to put out the flames if you are not around or sleeping.

#5: Keep your pets safe. Avoid using tinsel on the tree. Tinsel is a choking hazard for animals, especially cats. It is also important to make sure you pass on the mistletoe and poinsettias because both are toxic to animals if ingested. Your pets should be able to enjoy the holidays, too!

If you have yet to decorate, get moving! You only have a few days left to enjoy these decorations! As long as you are careful and mindful of placement and these safety tips, you should not experience a holiday mishap.

However, if you are faced with a fire or any other damages to your home, our home insurance policy is sure to keep you safe.  You will have coverage from your personal possessions to the physical structure of your home. Be sure to speak with our Texas insurance agency if you are concerned with your policy.

Happy holidays!

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New Year, New Changes, New Policies!

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Ah, the New Year is almost here. As a business owner, it is crucial to reflect on your year. How has your business changed? How has it improved? Do you need to update your Texas insurance? These are all questions that you should be asking yourself in order to better your company.

In order to have another successful year, it is important to make a few New Year resolutions. Here are a few ideas!

Rewrite your business plan. When is the last time you updated that old plan? By analyzing your highs and lows of 2011, you can build a better plan and vision come 2012!

Update your coverage. Have you expanded during 2011? Maybe you doubled up on employees, moved to another location or even purchased a company car. Any major changes in your business will call for a change in your Texas insurance. Make sure your business insurance is prepared for the New Year!

Get social. Has your company jumped on the social media bandwagon yet? It is time to start tweeting and posting statuses! Putting your company on Facebook and Twitter is sure to gain the company a few clients and fans.

Learn to be a leader. As a business owner, you already have a great set of skills. However, no one is ever too old to learn something new! Take a class on leadership or read a great book in order to expand on your skills.

New Year resolutions are not only for children! As a business owner, you should be constantly changing and updating your company in order to keep up with times and trends. The year 2012 is sure to bring a whole new set of tasks and goals but with the proper plan and protection, you will come out on top.

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Are You Ready to Budget for College?

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Can you believe the school year is just about halfway over? After winter break, high school students will only have a few months left until they graduate. For those who are planning on starting college in the fall, have you started to budget? College costs are NOT cheap! In order to prepare yourself for the costs ahead, it is always a good idea to budget. An easy way to do this is to use a budget calculator!

A college budgeting calculator will put all your expenses into consideration and figure out exactly what you will need. It looks at expenses such as:

-College tuition

-College textbooks

-Campus housing/room and board

-Food/groceries

-Travel costs (gas, maintenance, etc.)

-Personal toiletries

-Savings and investments

-Entertainment and activities

-Personal expenses

-Colorado insurance

-Miscellaneous and much more.

When you start to write down and see all these expenses on paper, it can be overwhelming! However, at Dagley Insurance and Financial Services, we want to help you budget. We can help you develop a practical investment plan that will grow.  Saving for college tuition and costs does not have to be as stressful as it may seem. We promise!

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