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Commercial Insurance Options Aug 24, 2017
 
General Liability Insurance
Protecting the businesses of our great State of Oklahoma
 
General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. Coverage typically includes product Centennial Insurance Group recommends that all businesses have general liability coverage in place.
 
Oklahoma  - What you need to know about commercial liability insurance
Take a look at the list below for additional general liability coverages that are often available.
 
Professional Liability Insurance (Errors & Omissions)
Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies Centennial Insurance Group recommends that all professional and technology companies have E&O coverage.
 
Employment Practices Liability Insurance (EPLI)
Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, Centennial Insurance Group recommends considering this type of coverage.
 
Directors and Officers Insurance (D&O)
D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.
 
To find out more about these, as well as other products and services, call Centennial Insurance Group at 405-286-5025.
 
Much of your home's value is what's inside. Aug 17, 2017
There’s a popular saying that goes like this: “Home is where the heart is.”
 
That saying rings true for many who find “home” a safe haven and a place to cherish, convene with family and friends, raise children, cook meals, rest, retire and celebrate.
 
Most will agree a home is not just a pile of bricks and mortar. Rather, a true “home” comprises much more, including everything inside it.
 
Some of the things inside your house that helps make it your home include your furniture and appliances, clothing, sports equipment, and electronic goods. These items are considered personal property – and it’s really important to protect it all.
 
How do I protect what really makes my house a home?
 
Protecting the important stuff inside your home begins with an understanding what you have. If you’re like many people, you may find your home contains much more personal property than you realize.
 
To understand how much stuff you have, develop a careful inventory of your personal property following these tips.

Use a video camera to record and audibly describe items as you move through your home. If you don’t have access to a video camera, use a standard camera or phone camera.

Whether you use still photos or video to develop your inventory, include brand names and descriptions where possible, especially on high-cost items.

Keep any and all receipts on high-dollar purchases. Keep these receipts filed together with any instruction booklets, warranties, etc. that accompany the items.

Store your video or photo inventory offsite or back it up with an additional drive.
When you make new purchases, be sure to add them to your inventory.
 
If you have high-value items, be sure to check with us at Centennial Insurance Group so we can review your homeowner’s coverage to make sure you’re properly protected.  We understand that your home is not just a house, and we are here to help ensure that everything important to you is protected—both outside and inside your home.
 
Contact Us!
 
At Centennial Insurance Group, we can work with you to make sure you've got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 405.286.5025 or send us a note at info@centennialins.com. We want to help you meet your goals, and make sure what's important to you is protected!
 
Property Insurance! Aug 15, 2017
Property Insurance
Serving all the property insurance needs of Oklahoma
 
Insurance protection to help you feel secure at home

Centennial Insurance Group Inc is on your side. As an independent insurance agency, review multiple insurance companies and compare protection and prices to find the best value for you.
 
We’re your neighbors – we are real members of the Oklahoma City and surrounding communities. We know what’s important for your homeowners’ insurance policy in Oklahoma, and we’re committed to being your advocate in times of need.
 
 
Our commitment is to serving you
Centennial Insurance Group knows that in Oklahoma, there are as many unique insurance needs as we have neighbors who live here! To talk with one of our helpful team members about your insurance needs, contact us today. www.centennialins.com
 
Home Insurance  – Insurance protection for the things that matter most to you.
Homeowners Insurance – Insurance protection for your most valuable asset.

Condo Insurance – Condos have special needs – make sure your insurance is right!

Renters Insurance – Inexpensive insurance options that make sense for renters.

Landlord Protection – Renting your home? Protect yourself with landlord insurance.

Flood Insurance – Insurance protection that covers what many homeowner’s policies don’t.

Earthquake Insurance – Specialized insurance coverage for when an earthquake strikes.
 
To learn more about our agency, contact us at 405-286-5025 or info@centennialins.com
 
Jewelry in the house? Protect It! Aug 14, 2017
Things to consider when insuring jewelry:
 
You may need to purchase additional coverage. Your homeowner’s policy covers valuable items such as jewelry only up to set amounts. If the cost of replacing your jewelry exceeds that limit, you will want to purchase scheduled personal property coverage. You can check your policy or give us a call at 405.286.5025
.
You might want to reconsider your deductible amounts. As always, this impacts your policy premium. It’s a good idea to take a look at your deductibles whenever you make a change to your policy.
 
Do you need an appraisal? You may need to have an independent appraisal if the insurance company requires it or if you don’t know the value of your jewelry. Each item should be listed with a description and value on paper.
 
What kind of coverage is offered? You’ll want to determine if items are covered no matter where they are, whether they’re in Oklahoma, or on an international trip, and if the policy offers full replacement cost. You also should ask if you will be required to replace your jewelry if lost or stolen, or if you can simply keep the cash settlement.
 
Pictures can be helpful. Lost or stolen pieces of jewelry sometimes can be recreated if the jeweler has a good photograph to work from.
 
Should I go with a company that specializes in jewelry insurance? There are companies that specialize in jewelry insurance. Whether you choose one of these, or a company that we represent, you’ll want to make sure they are reputable and stable.
 
Is the value of your jewelry mainly sentimental? Is an item irreplaceable? If the answer to either of these questions is “yes,” you might consider foregoing insurance. But please, talk to us at Centennial Insurance Group at 405.286.5025 before making that decision. That’s what we’re here for.
 
Of course, it’s important to store your jewelry securely when it’s not in use; a safe in your home or a safe-deposit box is best. We want your jewelry to be replaced if it’s lost or stolen, but we’d rather your sentimental and valuable pieces stay with you and your family for years to come.
 
Here’s hoping your Valentine’s Day is full of fun and romance. And if there’s no jewelry involved, well, there’s always next year!
 
Contact Us!
For further questions and assistance, please contact at Centennial Insurance at 405.286.5025 or info@centennialins.com
 
Property Insurance Aug 11, 2017
Property Insurance
Serving all the property insurance needs of Oklahoma
 
Insurance protection to help you feel secure at home
Centennial Insurance Group Inc is on your side. As an independent insurance agency, review multiple insurance companies and compare protection and prices to find the best value for you.
 
We’re your neighbors – we are real members of the Oklahoma City and surrounding communities. We know what’s important for your homeowners’ insurance policy in Oklahoma, and we’re committed to being your advocate in times of need.
 
 
Our commitment is to serving you
Centennial Insurance Group knows that in Oklahoma, there are as many unique insurance needs as we have neighbors who live here! To talk with one of our helpful team members about your insurance needs, contact us today. www.centennialins.com
 
Home Insurance  – Insurance protection for the things that matter most to you.
Homeowners Insurance – Insurance protection for your most valuable asset.
Condo Insurance – Condos have special needs – make sure your insurance is right!
Renters Insurance – Inexpensive insurance options that make sense for renters.
Landlord ProtectionTM – Renting your home? Protect yourself with landlord insurance.
Flood Insurance – Insurance protection that covers what many homeowner’s policies don’t.
Earthquake Insurance – Specialized insurance coverage for when an earthquake strikes.
 
To learn more about our agency, contact us at 405-286-5025 or info@centennialins.com
 
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Oklahoma City, OK 73120
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Located in Oklahoma City, OK . We also serve the Edmond, Moore, Norman, Oklahoma City and Yukon areas. - Licensed in Oklahoma