Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

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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 »

California still Teeming With Horses | Equine Insurance Product Highlight

Published on June 11, 2018

California has the 2nd highest number of horses in the country. During the last USDA survey completed in 2012, they recorded 3,621,348 horses owned by U.S. ranchers and farmers. CNBC reported on the survey findings, and they point out that the survey doesn’t include every horse that lives in the U.S. — of which there are an estimated 9 more »

California Orchards Produce More Than Rest of U.S. | Agribusiness Insurance Product Highlight

Published on May 14, 2018

Did you know…? California accounts for 65% of the U.S. non-citrus fruit and nut production, and 30% of the citrus production. California is the number one exporter of agricultural commodities in the U.S. AND over 90% of the U.S. tree nut production is harvested from Golden State orchards. With orchards being such a large part of California’s more »

Average Wedding Costs Continue to Rise | Wedding Insurance Product Highlight

Published on May 7, 2018

The average cost of a U.S. wedding is between $29K-$31K. And in California cities in the bay area are even higher, according to weddingstats.org: In terms of wedding budgets, a wedding insurance policy’s premium is a minuscule price to pay for peace of mind and coverage for if things go wrong in a number of ways. Sometimes plans change: Weddings more »

What to Know When Insuring High Value Homes | PL Product Highlight

Published on April 30, 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 and more »

Who Needs Dwelling Fire Insurance? Help your Customers Understand

Published on April 17, 2018

Your average Insurance customer may not know about Dwelling Fire Insurance, what it is, or if that’s what they need. Once they come to you, you can help them sort that part out. But to get them in the door, help them understand exactly who Dwelling Fire Insurance is for with these easy bullet points. Dwelling Fire Insurance Policies are for: People more »

3 Reasons Lessor’s Risk Insurance Is Necessary for Real Estate Owners | LRO Insurance Product Highlight

Published on April 9, 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 in more »

Horses, History, & How You Can Insure Their Owners | Equine Insurance Product Highlight

Published on February 20, 2018

California has the 2nd highest number of horses in the country. Think about it, if you grew up in California or if you have lived here long, chances are you have either owned or ridden a horse yourself. If you haven’t, you know someone who has. It’s one of those California perks of life — our easy access to such large, majestic creatures. The more »

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