Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

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Booze and Beauty – New Trends in Beauty Barber Nail (Plus – Earn Great Prizes NOW!) | Insurance Product Highlight

Published on December 17, 2018

Hair styles and nail trends aren’t the only things that change in beauty salons. The newest thing? Sipping on cocktails, beer and wine while getting your pampering and grooming services performed. As of 2017, laws have changed to allow nail salons, beauty salons, and barber shops to serve their customers complimentary alcoholic drinks. According more »

Why Your Customers Need Liquor Liability Insurance | Product Highlight

Published on December 3, 2018

Sometimes when they’re going through their bills or their budget, small business owners feel like they’re paying too much for insurance. They’ve sometimes got multiple policies, and they’re not really sure that they need all the insurance they have. In reality, though, many small businesses have holes in their coverage and they more »

Where To Place Those Tricky Home Risks | Homeowners Insurance Product Highlight

Published on November 27, 2018

Did you know…? By the end of August, 307,300 new and resale home transactions closed escrow in California so far this year (source). The Median house price on CA Resales is projected to be $525,000 Even though the Millenial generation is buying homes at an older age and slower pace than previous generations, we’re still seeing growth more »

Influx of Need for Rentals, Increased Demand for LRO Insurance | Commercial Product Highlight

Published on November 19, 2018

In the wake of the current fires burning in Northern & Southern California, there is a surge of demand for properties available to rent in the nearby regions. Many homeowners with homes on the market for sale in neighboring areas to the fires are changing their minds and are keeping the properties to rent to tenants in need. Commercial vacancies more »

Why High Value Homes in CA Have Such High Ticket Replacement Costs | Insurance Product Highlight

Published on September 25, 2018

There’s a great deal that goes into building a High Value Home, and because of that, there’s a great deal that goes into insuring it as well. First and foremost, these High Value Homes have more intricacies — custom finishes, specific materials and construction methods that make the replacement value higher. In California, it’s more »

California Real Estate Investors Need Lessor’s Risk Insurance | LRO Insurance Product Highlight

Published on September 17, 2018

  Being a property owner can be a lucrative investment — especially in California. With population increase on the rise in our beautiful state, real estate is becoming a better and better bet (with caution and wisdom of course). However, when you get into real estate investment property, you open yourself up to a load of liability, especially more »

Hobby Farms Becoming More Popular | Farm & Ranch Insurance Product Highlight

Published on August 20, 2018

Between Millennials and retirees, hipsters and hippies, stay-at-home moms and DIY-ers, America is coming back to its locally-grown, hand-made, highly agricultural roots — even in cities. In the past 5-10 years there has been a huge up-tick in the number of people who are interested in trying their hand at raising their own livestock, growing more »

Who Cleans Your Office? | Janitorial Insurance Product Highlight

Published on August 13, 2018

Within the cleaning services industry, there are two main sectors: residential and commercial. Residential cleaning is usually handled by maid service companies, while in the commercial market, Janitorial Service Companies handle the cleaning. In your Insurance Agency office, who handles the cleaning? Many (if not most) offices contract out this work more »

Summer Is for Vacation (Homes) | Dwelling Fire Product Highlight

Published on July 10, 2018

Did you know… California has 239,062 Seasonal/Vacation Homes? (source) Summer is here, kids are out of school, and families are vacationing. Many of them are stealing away to their second homes, or dreaming about owning that vacation home they’ve always wanted. These are the customers who need you to secure our Dwelling Fire insurance more »

2 Things To Know When Insuring High Value Homes | PL Product Highlight

Published on June 19, 2018

  High Value Homeowner’s Insurance policies have more components than a typical personal lines homeowner insurance policy, which can explain why some of you (Insurance Agents) may be unsure about how or where to place these risks. It’s not just the expensive residences themselves that have more intricacies, custom finishes, specific materials more »

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