October 2010
www.humbledavenport.com
3500 Maple Valley Hwy, Renton WA 98058
425-226-8221
The word for the month is ‘Safety’. As the holidays approach and the days
grow shorter it seems as if we think about this more. Humble & Davenport
Insurance take great stock in that word – because, we have your ‘safety’ in
mind when creating your policies. Safety can be another word for security,
guard and even protect. That is exactly what we do!
Halloween is creeping up and we encourage you to read our article on how to
be safe and keep your children safe while Trick or Treating. For our next
contest – pick one letter out of our Halloween article and send us a new
safety tip. It must be different than all the tips already provided. The first
person to send in their tip and contacts us via email, phone or on Facebook
will be the winner of our coffee card. The first business to respond and let us
know will be featured as Business of the Month in our November Newsletter. The winner of last
month’s contest was Barb S. – she found the bolded letters that spelled out ‘The 12th Man.’ Go
Seahawks!! Our business winner last month was ‘Yellow Van Handyman’ – please take the time
to read their bio in this month’s newsletter.
**Contest winners can only win once every 6 months.**
COMMERCIAL INLAND MARINE
Renton Calendar
Oct 8-10
Oct 9
Fall Harvest Festival
Oct 16
RainWise Gardening
Oct 16-17
Oct 30
Oct 30
Our insurance carriers offer competitive rates for stand
alone or packaged inland marine coverage. Inland
marine coverage provides protection for all property that
you normally take off your premises.
Film Frenzy Filming Weekend
Here are some inland marine coverage basics;
Do you have special equipment that you use in your
business? Does this equipment leave your business
location? Do you require coverage for these items if they are damaged or stolen? If
you answered yes to these questions then you need Inland Marine coverage.
Designed to provide coverage on equipment and tools on a scheduled (listed) or
unscheduled basis. This type of policy is very flexible and can be used to provide
coverage for many items in many different situations.
Salmon Watching Activities
Boo Carnival
Downtown Trick or Treat &
"Olde" Fashion Halloween
Party
Stay in Touch!
As your insurance partner, we want to
make sure we can contact you and your
family in the event of an emergency. In
addition to your home address and
landline, we’d like to have your cell phone
numbers on file. You can update your
records by calling 425-226-8221 or e-mail
info@humbledavenport.com

Some typical items you would insure under an inland marine policy;
o
Mobile equipment; Bobcats, Trackhoes, Backhoes,
Trenchers, Highlifts, Forklifts, Gutter Machines, Mobile
Processing Plants, etc.
o
Job site items; Scaffold, EZ Lifts, Ladders, Walk Boards, etc.
o Portable tools; Compressors, Air Tools, Metal Breaks, Nail
Guns, Table Saws, Chop Saws, Concrete Saws, etc.
o
Hand tools; usually coverage is provided for hand tools on an unscheduled blanket basis.
o
Rented and leased equipment coverage may also be provided under the inland marine
forms.
o
Special computer equipment and other electronic equipment.
o
Professional equipment and tools if taken off your premises.
o
Items you have sold and are awaiting installation or while in transit.
You'll find that most insurance companies package equipment and tool coverage together with liability
and property. Generally this method will provide you with the coverage your business needs while doing
so at reduced premium levels. However some coverage may be written on an individual inland marine
policy. Whatever your situation requires we'll help guide you to the best coverage for your business
equipment and tool coverage.
Here's how we can help with your inland marine insurance policy;

Allow Humble and Davenport to place your equipment and tool coverage with a company that
provides a competitive rate for your business.

We'll answer your questions about inland marine coverage.
o
Is this coverage based on replacement cost?
o
What are the covered perils inland marine coverage insures against?
o
Is there coverage while my items are in transit?
o
What if I have to leave insured items at a clients office or place of business, are they
covered for loss?
Contact our office to see how we can help with your equipment and tool coverage!
RENTAL CAR COVERAGE
After you overcome the initial shock of causing a car accident, you'll need to make arrangements to get your car
repaired and pay your collision deductible (assuming you carry collision coverage). You'll also probably need to
arrange for alternative transportation for yourself. In most cases, that means renting a car.
Based on where you rent and what you want to drive, you can pay anywhere from $200 to $400 per week for a
rental car. In the Seattle area, for example, it would cost you roughly $221 to rent an economy car like the
Hyundai Accent and Chevrolet Aveo. These prices are based on a Monday pickup and Thursday return. If your
car will be in the shop for a few weeks, your rental car costs could put you in the poorhouse. This is where rental
reimbursement coverage can be a lifesaver.
Rental reimbursement is not automatically included in most car insurance policies, but you can add it at an
affordable cost. According to the Insurance Information Institute, rental reimbursement coverage is available for
$2 to $4 a month or slightly more depending on the insurance carrier. For example, Mutual of Enumclaw charges
as little as $20 per year for a maximum $750 in rental reimbursement, with no deductible to pay. In this case,
Mutual of Enumclaw would reimburse you up to $25 per day but no more than $750 per accident.
Since renting a car can cost more than $25 a day, most insurers are willing to supply more coverage for extra
premium. For example, if you want to rent a more expensive car because you own an expensive car, you'll pay
more in premiums.
How to cut your costs
Opting for a low daily limit on rental reimbursement leaves you with some choices. With a $15 per day limit, for
example, you could use that amount toward a rental car and pay any remainder out of your own pocket. Another
option allowed by most car insurance companies is using that $15 toward taxi, bus or train fare. If your bus fare
doesn't add up to $15, you will be reimbursed only for what you spend. When you buy your car insurance policy,
make sure you clear up these issues with your agent so that you know precisely how much your insurer will cover
and what rules apply.
GOING TRICK OR TREATING?
Swords, knives, and similar costume accessories should be short, soft, and flexible.
Avoid trick-or-treating alone. Walk in groups or with a trusted adult.
Fasten reflective tape to costumes and bags to help drivers see you.
Examine all treats for choking hazards and tampering before eating them. Limit the amount of
treats you eat.
Hold a flashlight while trick-or-treating to help you see and others see you.
Always test make-up in a small area first. Remove it before bedtime to prevent skin and eye
irritation.
Look both ways before crossing the street. Use established crosswalks wherever possible.
Lower your risk for serious eye injury by not wearing decorative contact lenses.
Only walk on sidewalks or on the far edge of the road facing traffic to stay safe.
Wear well-fitting masks, costumes, and shoes to avoid blocked vision, trips, and falls.
Eat only factory-wrapped treats. Avoid eating homemade treats unless you know the cook well.
Enter homes only if you're with a trusted adult. Otherwise, stay outside.
Never walk near lit candles or luminaries. Be sure to wear flame-resistant costumes.
IDEAS ON HOW TO SAVE MORE MONEY
Use just one phone. With cell phone coverage getting better and better do you really
need that land line? If not then drop the land line and go exclusively with the cell phone. That
will save you anywhere from $10 to $30 per month
Phone:
Make Bread: Make
food from scratch and grow some of your own produce to save money on
groceries. Making homemade bread is one of the best tips to save money, and the results are
better tasting too (once you get practice). A simple garden with tomatoes and a few seasonal
vegetables will help you save even more money.
REFER A FRIEND TO HUMBLE & DAVENPORT INSURANCE
The Humble Davenport Insurance
Refer-a-Friend Program
Refer a friend to our firm and get something back for a change! For every
referral you give to us, you get a $5 coffee card. That’s it. They don’t even have
to buy from us. Give it a try! Just send your referral to
info@humbledavenport.com or call us.
We are here for you
twenty-four hours a day,
seven days a week!
Check out our new website at
http://www.humbledavenport.com
Now you can request changes,
make payments, order general liability certificates, order
declarations and REQUEST A QUOTE. You can also blog and link
to our new Facebook page.
Get to Know Humble & Davenport Insurance:
Nantes Howe
Nantes Howe is the Account Manager for our Taxi’s, Trucks and
Transportation (risks or businesses) and our employee that you get to
know more about this month. Yes, her name is unusual but with good reason. Nantes’ Great
Grandfather is from Nantes, France – a beautiful town sitting on the Loire River. Her Grandmother,
Mother and she all share the same name, never forgetting their French heritage or where they came
from. So, the next time you call, you can compliment her on her beautiful name!
She has been working in the Insurance field for at least 20 years and is a licensed Property and Casualty
Agent. Ten years ago she worked as a Personal Agent for a year with us before she moved onto another
agency and in 2008 we were lucky to have her back as a member of our team because she is resourceful,
energetic and the “Guru” behind all the newsletters that have been coming your way!
Besides being a Mom to her daughter, Nantes’ hobbies include walking, playing Sodoku, entertaining
and bicycling. And, if you are looking for some wonderful BBQ recipes, she is the person to call or
email.
Thanks Nantes for all your hard work!!
Business of the month
"Roger Gee of Yellow VAN Handyman has been in business for over a year as Burien’s To-Do List
Specialist. He is a licensed, bonded, and insured general contractor. When you call Roger you get more
than just a fix; Instead of a one-time, one-trick plumber, carpenter or electrician, you get a wholehome maintenance pro! Roger particularly enjoys electrical work such as installing new light fixtures or
outlets! When he’s not taking care of your family’s biggest investment, your home, Roger plays a mean
guitar in The Pink Torpedos."
Roger Gee
Yellow VAN Handyman
Franchise Owner/Professional Handyman
www.YellowVANHandyman.com
"Your To-Do List People"
Member Support 206.763.6800
Mobile 206.910.5081
www.hometask.com/profile.aspx?uid=7298
Here are some comments on our Newsletter
GREAT MARKETING!!
Thanks for The Newsletter! It's great to see the photos and get in on Your Office News.
We have so appreciated all the help we have had from Humble Davenport over the many years we have
been in business.
Linda and Gerry
Gerry Haugen
LBA Haugen Homes Inc. 'In the Scandinavian Tradition of Craftsmanship & Excellence'
....and Value!
Humble & Davenport Insurance has kicked off their
Annual Fundraiser and would like to invite you to join us.
We are supporters of Breast Cancer Awareness and will be participating in Lee National Denim Day on
October 8th. Our kickoff has started with a Lee Denim Donation Jar. For every donation we receive we
are placing up markers in ‘Honor or Memory Of.’ We welcome you to stop in on October 8th so we may
‘show off’ our Pink and Denim outfits. If you would like to contribute in any way to this cause please
click on the link below for more information.
Here are pictures of our Lee Denim Donation Jar and Office Manager, Veronica Aitkins placing a
donation.