http://www.firstknightinsurance.com/blog/View First Knight Insurance's Website Blogen-uspostmaster@www.firstknightinsurance.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:0c80d724-9dba-4958-be64-037a1f0fdae8urn:uuid:c72b7a56-8a83-4d79-98aa-782af9380d6dTue, 14 Feb 2012 17:53:23 -0600<embed width="464" height="281" src="http://www.youtube.com/v/hfTXv6lD1DM?version=3&amp;feature=player_profilepage" type="application/x-shockwave-flash" style="width: 464px; height: 281px;" allowScriptAccess="always" allowfullscreen="true" originalPath="http://www.youtube.com/v/hfTXv6lD1DM?version=3&amp;feature=player_profilepage" originalAttribute="src" />urn:uuid:75878b95-6d54-4ffe-aafc-84e89139fa67According to Cushman &amp; Wakefield 2011 Office Market report, Nevada is starting to show signs of a stabilizing market and an optimistic economic outlook. Year-to-date direct net absorption is in the positive for the first time since 2008. Building...Tue, 31 Jan 2012 18:18:28 -0600According to <a href="http://www.cushwake.com/cwglobal/jsp/kcLocalReportArchive.jsp?Country=WEST&amp;Language=EN&amp;region=US&amp;sector=ALL&amp;catId=100004&amp;city=3400199&amp;_requestid=2213805" target="_blank"><strong><span style="color: #000000;">Cushman &amp; Wakefield 2011 Office Market report</span></strong></a>, Nevada is starting to show signs of a stabilizing market and an optimistic economic outlook. Year-to-date direct net absorption is in the positive for the first time since 2008. Building sales are&nbsp;growing&nbsp;while lease rates remain low. This maybe&nbsp;a good sign for new entrepreneurs who are planning to start&nbsp;new business operations&nbsp;or Commercial property investments in Nevada. There has not be a better time to invest in Nevada Market. <br /> <br /> No matter how small your business is, It's imperative to think about <a href="http://www.firstknightinsurance.com/business__commercial/business__commercial_quotes.aspx" target="_blank">Insurance coverage</a>. Adversity for a small business can come in many ways:&nbsp;a fire could destroy your inventory, a power outage could cause your stock to spoil or a customer or client could accidentally be injured while visiting your store or business. Accidents occur all the time, and by their nature, they cannot be predicted. In order to better guard against them turning into a case where a huge monetary loss results, Commercial insurance can offer protection for these unforeseen events. If you would like to receive&nbsp;competitive quote on <a href="http://www.firstknightinsurance.com/business/nevadabusinessinsurance.aspx" target="_blank"><strong><span style="color: #548dd4;">Business and Personal Insurance </span></strong></a><strong><span style="color: #548dd4;">in California &amp; Nevada</span></strong>, call&nbsp;<strong>First Knight Insurance at&nbsp;<span style="color: #ff0000;">818-762-7600</span></strong>. We can give you a free professional consulattion and find the best insurance coverage to satisfy your needs. &nbsp;urn:uuid:871a947c-31f1-431a-9187-4460c3364bc8 Amnesty Program for Traffic Tickets&nbsp; &nbsp; Starting January 1st through June 30th, 2012, drivers who have old unpaid traffic tickets might be able to catch a break. Certain unpaid traffic tickets are...Fri, 13 Jan 2012 15:08:56 -0600<a href="http://www.courts.ca.gov/15831.htm" target="_blank"> <h1><span style="font-size: 16px;">Amnesty Program for Traffic Tickets</span>&nbsp;</h1> </a> <table> <tbody> <tr> <td><iframe width="420" height="315" src="http://www.youtube.com/embed/2jQdbhsGU9k" frameborder="0"></iframe>&nbsp;</td> </tr> </tbody> </table> <br /> <p>Starting January 1st through June 30th, 2012, drivers who have old unpaid traffic tickets might be able to catch a break. Certain unpaid traffic tickets are eligible for a 50 percent&nbsp;discount &ndash; if you clear the debt during this 6 month amnesty period.</p> <p>The program includes all adult and juvenile vehicle code and non vehicle code infractions. Other traffic tickets due to be paid before January 1, 2009 could qualify too, but you will have to check with the court in the county where you got the ticket.</p> <p>There are exclusions: no parking tickets, no DUIs, no reckless driving are eligible for the discount.*</p> <p>If other fees and assessments were added to your original fine, those will also be discounted 50 percent. The total amount you owe can be cut in half. You will have to pay if off in one lump sum, but you may be able to use a credit card. Cash and checks usually work, too. For details, and to check eligibility for your overdue court-ordered debt, contact the court where you got your violation after January 1, 2012. <a href="http://www.courts.ca.gov/15831.htm" target="_blank"><strong><span style="color: #e36c09;">More Info here.</span></strong> </a></p>urn:uuid:77f7eb04-db24-4351-8539-ccfabdbebf22CALIFORNIANS BE VERY CAREFUL California Traffic Tickets Fines Effective 01/06/2012 Effective immediately, if you run a red light, be ready to pay $436.00 If you pass a school bus with flashing red signals, you will be charged $616 If you park in t...Fri, 13 Jan 2012 14:59:19 -0600<h6 class="uiStreamMessage uiStreamHeadline"><span style="font-size: 13px;">CALIFORNIANS BE VERY CAREFUL<br /> <a href="http://www.lasuperiorcourt.org/traffic/ui/" target="_blank">California Traffic Tickets Fines Effective 01/06/2012 <br /> <br /> </a>Effective immediately, if you run a red light, be ready to pay $436.00 <br /> If you pass a school bus with flashing red signals, you will be charged $616<br /> If you park in the handicapped zone, even for a minute, fine is close to $1000.00<br /> <br /> California needs money, so pay close attention to the rules of the road! <br /> <br /> </span>VC 12814.6 $214 Failure to obey license. <br /> VC 14600(A) $214 Failure to notify DMV of address change in 10 days <br /> VC 16028(A) $796 Failure to provide evidence of inasurance <br /> VC 22349 $214 Unsafe speed, 1 to 15 miles over the limit.<br /> VC 22350 $328 Unsafe speed, 16 to 25 miles over the limit.<br /> VC 22450 $214 Failure to stop at a stop sign. <br /> VC 23123(A) $148 Driving while using a wireless phone not hands free, first offense. <br /> VC 23123(B) $256 Driving while using a wireless phone not hands free<br /> subsequent offense. <br /> VC 23123.5 $148 Driving while using a wireless device to send, read or write text.<br /> VC 23124 $148 Minor driving while using a wireless phone.<br /> VC 22500 $976 Parking in a bus loading area.<br /> VC 22507(A) $976 Violation of disabled parking provisions, first offense. <br /> VC 22507(B) $1876 Violation of disabled parking provisions, second offense. <br /> VC 26708 $178 Unlawful material on vehicle windows.<br /> VC 27150 $178 Adequate muffler required. <br /> VC 27315 $148 Mandatory use of seat belts.<br /> VC 27360 $436 Mandatory use of passenger child restraints. <br /> Note: This fine may be reduced by completing a court authorized child seat diversion program.<br /> VC 27400 $178 Headsets or Earplugs covering both ears. <br /> VC 27803 $178 Violation of motorcycle safety helmet requirements. <br /> VC 34506 $616 Commercial Driver - Log book violation.<br /> VC 4000 $256 No evidence of current registration.<br /> VC 5200 $178 Proper display of license plates.</h6>urn:uuid:08997387-f16d-4204-8014-d669f309fb68First Knight Insurance Broker Gary Hairapedian comments on Hollywood arson fires. Good reason to have a reliable Insurance Broker&nbsp;to help and advise you on your insurance needs.&nbsp;&nbsp; &nbsp; ...Wed, 11 Jan 2012 18:41:47 -0600<h6 class="uiStreamMessage" data-ft="{&quot;type&quot;:1}"><span style="font-size: 13px;"><span style="color: #c00000; font-size: 16px;">First Knight Insurance Broker Gary Hairapedian comments on Hollywood arson fires. Good reason to have a reliable Insurance Broker&nbsp;to help and advise you on your insurance needs.</span>&nbsp;&nbsp; <table> <tbody> <tr> <td>&nbsp; <script type='text/javascript' src='http://video.losangeles.cbslocal.com/global/video/videoplayer.js?rnd=3871;hostDomain=video.losangeles.cbslocal.com;playerWidth=615;playerHeight=365;isShowIcon=true;clipId=6619477;flvUri=;partnerclipid=;adTag=News;advertisingZone=CBS.LA%252Fworldnowplayer;enableAds=true;landingPage=;islandingPageoverride=false;playerType=STANDARD_EMBEDDEDscript;controlsType=fixed'></script> </td> </tr> </tbody> </table> <br /> </span></h6>urn:uuid:18a39107-267d-4eab-98af-e4fb9902e9cf<img src='http://www.firstknightinsurance.com/img/~www.firstknightinsurance.com/happy-new-year-graphics-2012.gif' align='left' /> &nbsp;&nbsp; Dear Valued Customers, The Holiday season offers us a special opportunity to extend our personal thanks to our good friends. May Peace, Joy, Hope and Happyness be yours this Holiday Season and throughout the New Year. Thanks again fo...Thu, 29 Dec 2011 15:38:28 -0600<p style="text-align: center;"><img width="355" height="240" style="vertical-align: top;" alt="Happy New Year Countdown 2012" src="/img/~www.firstknightinsurance.com/happy-new-year-graphics-2012.gif" /></p> <p>&nbsp;&nbsp; <br /> <span style="font-family: garamond; color: #c00000; font-size: 18px;"><strong><em>Dear Valued Customers, <br /> The Holiday season offers us a special opportunity to extend our personal thanks to our good friends. <br /> May Peace, Joy, Hope and Happyness be yours this Holiday Season and throughout the New Year. Thanks again for a wonderful year!<br /> <br /> First Knight Insurance Team <br /> <br /> </em></strong></span></p>urn:uuid:3d722d1c-afa5-4440-9168-ef6a3e9ae1c0Thu, 15 Dec 2011 12:53:12 -0600<iframe width="560" height="315" src="http://www.youtube.com/embed/SAIEamakLoY" frameborder="0"></iframe>urn:uuid:f12dc999-b6e5-4c1d-b76d-03d1218fd3d7<img src='https://origin.ih.constantcontact.com/fs078/1108742088660/img/3.jpg' align='left' /> Thanksgiving Safety tips! Whether you're delightedly hosting the big Thanksgiving dinner this year, inherited the privilege, or were delegated the duty, it can be a lot to handle! With so many things to think about-the food, the decor...Tue, 22 Nov 2011 18:27:34 -0600<table width="100%" class="BlockMargin" id="content_LETTER.BLOCK4" style="display: none;" border="0" cellspacing="0" cellpadding="5" jQuery152028769260926933027="25"> <tbody> </tbody> </table> <span style="color: #c00000; font-size: 24px;"> <div><span style="color: #c00000; font-size: 18px;"><strong>Thanksgiving Safety tips!</strong> <br /> <br /> </span></div> <p style="margin-top: 0px; margin-bottom: 0px;" _mce_style="margin-top: 0px; margin-bottom: 0px;"><span style="color: #000000; font-size: 16px;">Whether you're delightedly hosting the big Thanksgiving dinner this year, inherited the privilege, or were delegated the duty, it can be a lot to handle! With so many things to think about-the food, the decor, and the family-it is sometimes difficult to keep an eye on everything and everybody. To avoid ending the day in the emergency room or in the company of the fire department, it would behoove you to take a moment to review these safety tips.<img name="ACCOUNT.IMAGE.3" width="183" height="121" title="0.61" style="text-align: right; margin: 5px 10px; float: right;border: 0px solid;" alt="Thanksgiving dinner" src="https://origin.ih.constantcontact.com/fs078/1108742088660/img/3.jpg" /></span></p> <p style="margin-top: 0px; margin-bottom: 0px;" _mce_style="margin-top: 0px; margin-bottom: 0px;"><span style="color: #000000; font-size: 16px;">&nbsp;</span></p> <ul> <li style="margin-top: 0px; margin-bottom: 0px;"><span style="font-family: tahoma; font-size: 16px;">When there are so many cooks in the kitchen and multiple complex dishes being prepared, it is especially important to remember basic kitchen safety. </span></li> <li style="margin-top: 0px; margin-bottom: 0px;"><span style="font-family: tahoma; font-size: 16px;">Recall knife safety, making sure that all your stove burners and the oven are off when they aren't being used. &nbsp; </span></li> <li style="margin-top: 0px; margin-bottom: 0px;"><span style="font-family: tahoma; font-size: 16px;">Keep pot handles turned inward to avoid being knocked off the stove, causing burns and a huge mess to boot. </span></li> <li style="margin-top: 0px; margin-bottom: 0px;"><span style="font-family: tahoma; font-size: 16px;">Be cautious of letting the little ones help out, and only give them manageable tasks. </span></li> <li style="margin-top: 0px; margin-bottom: 0px;"><span style="font-family: tahoma; font-size: 16px;">When it comes to the decor, that beautiful centerpiece of candles and fall foliage is a delight to look at but a definite fire hazard-and more than one family Thanksgiving has been ruined by such a mishap! </span></li> </ul> <p style="margin-top: 0px; margin-bottom: 0px;" _mce_style="margin-top: 0px; margin-bottom: 0px;"><strong><span style="font-size: 18px;">Have a happy and safe&nbsp;Thanksgiving!</span></strong></p> </span> <p style="margin-top: 0px; margin-bottom: 0px;" _mce_style="margin-top: 0px; margin-bottom: 0px;">&nbsp;</p>urn:uuid:fd337152-5e05-4b16-845f-67921203204f<img src='https://www.insurancewebsitebuilder.com/img/~www.firstknightinsurance.com/troy_polamalu-499x332.jpg' align='left' />Troy Polamalu has the the most expensive hair in the NFL. Head &amp; Shoulders announced they are taking out a $1 million dollar insurance policy on Pittsburgh Steelers safety Troy Polamalu&rsquo;s long hair. Polamalu, who has done commercials for He...Tue, 30 Aug 2011 13:57:13 -0500<p>Troy Polamalu has the the most expensive hair in the NFL. Head &amp; Shoulders announced they are taking out a $1 million dollar insurance policy on Pittsburgh Steelers safety Troy Polamalu&rsquo;s long hair.<img style="width: 253px; float: right; height: 145px;border: #8db3e2 2px solid;" alt="Troy Polamalu Hair Insurance " src="https://www.insurancewebsitebuilder.com/img/~www.firstknightinsurance.com/troy_polamalu-499x332.jpg" /> Polamalu, who has done commercials for Head &amp; Shoulders with his hair, will be insured through Watkins Syndicate at Lloyd&rsquo;s of London. The Pittsburgh Steeler has not cut his hair in over seven years. </p> <p>&ldquo;Head &amp; Shoulders has gone above and beyond by insuring my Samoan locks for a cool $1 million dollars,&rdquo; Polamalu said. &ldquo;This reinforces that my full and thick hair is unstoppable.&rdquo;<br /> <br /> This is not the first time Lloyds has written a policy upon a celebrity&rsquo;s portion of the body.&nbsp;Maybe the&nbsp;first time was for Betty Grable&rsquo;s famous legs or&nbsp;Julie Andrew&rsquo;s voice. Most recent story was about&nbsp;Jennifer Lopez buying insurance for&nbsp;her famous &ldquo;booty&rdquo;.&nbsp; It has long been a normal practice for dancers, hand and foot models. <br /> <br /> Most of us needing commercial insurance have much simpler needs and face average risks.&nbsp;Therefore the <a href="http://www.fkins.com/business/general_liability_quote.aspx">general liability policy </a>offered us needs not to go through rigorous underwriting, pricing and issuance.&nbsp;Our policies are relatively easy to issue and understand but if you find you need clarification regarding coverage for your business, feel free to call us at 818-762-7600 or email at <a href="mailto:info@fkins.com">info@fkins.com</a>.</p>urn:uuid:12b1045c-7f15-4081-bcd8-9b7f69aa35553 guys, 44 days, 11 countries, 18 flights, 38 thousand miles, an exploding volcano, 2 cameras and almost a terabyte of footage... all to turn 3 ambitious linear concepts based on movement, learning and food ....into 3 beautiful and hopefully compelli...Fri, 05 Aug 2011 15:00:15 -0500<span style="font-size: 16px;">3 guys, 44 days, 11 countries, 18 flights, 38 thousand miles, an exploding volcano, 2 cameras and almost a terabyte of footage... all to turn 3 ambitious linear concepts based on movement, learning and food ....into 3 beautiful and hopefully compelling short films.....</span> <br /> <iframe width="560" height="349" src="http://www.youtube.com/embed/-BrDlrytgm8" frameborder="0"></iframe>urn:uuid:b226eca9-f700-4cf4-bbf8-ff17a8240affWed, 20 Jul 2011 15:32:27 -0500<iframe width="560" height="349" src="http://www.youtube.com/embed/Siz4Q-valXk" frameborder="0"></iframe>urn:uuid:a00fc0ea-5292-435a-a5dd-5f7c6e941eb4Countdown to the Closure or Carmageddon: 405 Freeway &nbsp; Dear Drivers, &nbsp; Be aware of potential traffic and delays. Here&nbsp;is the I-405 freeway closure schedule: Demolition activities over the July 16-17 weekend for 53 consecutive ho...Fri, 15 Jul 2011 16:39:12 -0500<p style="text-align: center; padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;" data-icontact-image-nowrap="true"><strong><span style="color: #548dd4; font-size: 24px;">Countdown to the Closure or Carmageddon: 405 Freeway</span></strong></p> <p style="text-align: center; padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;" data-icontact-image-nowrap="true">&nbsp;</p> <p style="text-align: center; padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;" data-icontact-image-nowrap="true"><a href="http://www.metro.net/projects/I-405/" style="color: #e84074;" target="_blank"><img title="http://click.icptrack.com/icp/relay.php?r=&amp;msgid=0&amp;act=11111&amp;c=706225&amp;destination=http%3A%2F%2Fwww.fkins.com First Knight Insurance News" style="margin: 0px; width: 162px; float: right; height: 130px;border: transparent 0px solid;" alt="First Knight Insurance News Carmageddon" src="http://staticapp.icpsc.com/icp/loadimage.php/mogile/706225/8594bedfb1b046bbad9cc3e4949e3102/image/jpeg" /></a></p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;">Dear Drivers, </p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;">&nbsp;</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;">Be aware of potential traffic and delays. Here&nbsp;is the I-405 freeway closure schedule:</p> <ul> <li>Demolition activities over the <strong>July 16-17</strong> weekend for 53 consecutive hours, resulting in the full freeway closure of the I-405 freeway in the Sepulveda Pass. <ul> <li>Northbound I-405: 10-mile closure between I-10 and U.S. 101 </li> <li>Southbound I-405: 4-mile closure between U.S. 101 and Getty Center Drive Ramps&nbsp;</li> </ul> </li> <li>The Mulholland Dr Bridge will also be closed that weekend. </li> <li>The Skirball Bridge will be closed with&nbsp;a full directional freeway closure. <ul> <li>Night Work Activity &nbsp;&nbsp;- <strong>On the 18th &amp; 19th&nbsp;of July -&nbsp;</strong> SOUTHBOUND TRAFFIC only -&nbsp; starting at 7:00 pm they will be closing down lanes and by 10 pm all lanes will be closed.&nbsp; </li> <li>Night Work Activity &nbsp;- <strong>On the 20th &amp; 21st of July - </strong>NORTHBOUND TRAFFIC only - starting at 7:00pm they will be closing down lanes and by 10 pm all lanes will be closed.&nbsp;&nbsp;</li> </ul> </li> </ul> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><strong>TIP</strong>:&nbsp;&nbsp;Don't even think about taking Sepulveda Boulevard, the 405's go-to surface-street alternative. Stay at Home and Enjoy your&nbsp;Weekend! </p>urn:uuid:55a1996a-84f6-47a6-9fef-ccde4b66e0c5<img src='http://www.firstknightinsurance.com/img/~www.firstknightinsurance.com/Ask%20Q%20copy.bmp' align='left' />California Business Liability Insurance General Liability insurance protects your company in case it is sued or held legally liable for injury or loss caused by a mistake made by your company. The development of your risk management plan as par...Thu, 07 Jul 2011 18:18:23 -0500<a href="http://www.fkins.com/business/general_liability_quote.aspx" target="_self"><span style="color: #548dd4; font-size: 16px;"><strong>California Business Liability Insurance <img style="width: 88px; float: right; height: 75px;border: 0px solid;" alt="Need Business Insurance" src="/img/~www.firstknightinsurance.com/Ask%20Q%20copy.bmp" /><br /> </strong></span><br /> </a> <div class="post-header"> <div class="post-header-line-1"></div> </div> <div class="post-body entry-content" id="post-body-1021451629029956131"><a href="http://www.fkins.com/business/general_liability_quote.aspx">General Liability insurance</a> protects your company in case it is sued or held legally liable for injury or loss caused by a mistake made by your company. The development of your risk management plan as part of your business insurance plan will limit the risk of error; however, that risk cannot be eliminated. Liability insurance covers the business for this risk.<br /> <br /> <p>The state of California has more start-up companies than any other state. Because of this, having&nbsp;<a href="http://www.fkins.com/business/general_liability_quote.aspx" target="_self"><span style="color: #000000;">California general liability insurance</span></a> is even more important. With so many new business owners, it is especially important to keep your company and your name protected.</p> General Liability is required in many different instances such as Landlords require tenants to carry general liability to cover accidents, Handy men and contractors required to have general liability insurance in case of the injury or accident, Retail and Wholesale stores need to have <a href="http://www.fkins.com/business__commercial/business__commercial_quotes.aspx">product liability insurance </a>that can protect the company against lawsuits from product-related injury or accidents. <br /> <br /> Therefore, allow us to be of service to you and feel free to call us and ask any questions you may have regarding insuring your business. <strong>818-762-7600</strong> or email&nbsp;<a href="mailto:info@fkins.com"><span style="color: #000000;">info@fkins.com</span></a><span style="color: #000000;"> </span></div>urn:uuid:34e417e6-1d6f-4c42-a01d-aade32ddf158<img src='https://www.insurancewebsitebuilder.com/img/~www.firstknightinsurance.com/Solar.bmp' align='left' />International Organization for Standardization&nbsp;has announced new general liability classifications for alternative energy sources and nanotechnology.&ldquo;In response to the growing demand for alternative energy, ISO introduced classifications ...Thu, 16 Jun 2011 17:50:53 -0500<a href="/contact.aspx"><img style="width: 170px; float: left; height: 144px;border: 0px solid;" alt="Solar energy Insurance quote" src="https://www.insurancewebsitebuilder.com/img/~www.firstknightinsurance.com/Solar.bmp" /></a>International Organization for Standardization&nbsp;has announced new general liability classifications for alternative energy sources and nanotechnology.&ldquo;In response to the growing demand for alternative energy, ISO introduced classifications for risks in three main areas: biofuels, solar energy, and wind energy. The new classifications will allow for future evaluation of the loss experience of those emerging markets,&rdquo; said Beth Fitzgerald, vice president of commercial lines and modeling at ISO. <br /> <br /> The new classifications will be implemented in almost all jurisdictions beginning September 1, 2011.urn:uuid:eac4bee0-f57a-4344-9725-70056e5c0a82<img src='http://fkins.files.wordpress.com/2011/04/cute-baby-executive.jpg' align='left' />Buying business insurance for the first time isn&rsquo;t difficult if you prepare. First, when beginning to look for business insurance, you need to remember it is different from your personal insurance you have now. You need to take some time and l...Fri, 08 Apr 2011 15:14:44 -0500<p>Buying business insurance for the first time isn&rsquo;t difficult if you prepare. <a name="California Business Insurance" rel="attachment wp-att-124"><img width="228" height="300" title="First Knight Business Insurance Quote " class="alignright size-medium wp-image-124" style="float: right;border: #000000 2px solid;" alt="First Knight Business " src="http://fkins.files.wordpress.com/2011/04/cute-baby-executive.jpg?w=228&amp;h=300" /></a></p> <p style="text-align: left;">First, when beginning to look for business insurance, you need to remember it is different from your personal insurance you have now. You need to take some time and look at the different types of coverage that is available to your business. These types include general liability insurance, property insurance, casualty insurance, and commercial vehicle insurance. You don&rsquo;t need to be an expert on business insurance, but you need to understand that property insurance protects the location, while liability protects against a claim against you or the business.</p> <p>What you need to understand:</p> <p>1. What risks your particular business may be exposed to and what the future may look like as your business grows.</p> <p>2. Have a business plan and detailed description in place for your insurance professional to understand your business in order to make sure to cover as much exposure as possible.</p> <p>3. Once you settle on and buy a business insurance package, don&rsquo;t file it and forget it. It is important to review it often and make you keep adequate coverage as your business grows.</p> <p>Don&rsquo;t be afraid to call us and speak to one of our insurance professionals. We are here for you and guarantee our highest approach to your insurance needs.&nbsp;</p> <p>First Knight Insurance Services<br /> 5816 Lankershim Blvd Suite A<br /> North Hollywood CA 91601<br /> 818-762-7600<br /> 818-762-1700</p>urn:uuid:82ed0776-e03a-4d58-9a8f-b1d3d400705bVery Funny Video!&nbsp; Happy Holidays! Tue, 23 Nov 2010 15:56:43 -0600<span style="color: #00b050; font-size: 24px;">Very Funny Video!&nbsp; Happy Holidays! <br /> </span><embed width="591" height="368" src="http://www.bbc.co.uk/emp/external/player.swf" type="application/x-shockwave-flash" style="width: 591px; height: 368px;" FlashVars="config_settings_showUpdatedInFooter=true&amp;config_settings_showFullScreenButton=true&amp;config_settings_showPopoutButton=false&amp;config_settings_bitrateCeiling=1000&amp;playlist=http%3A%2F%2Fwww%2Ebbc%2Eco%2Euk%2Fcomedy%2Fforge%2Dassets%2Fextra%2Fplaylist%2Fp008zg7c%2Exml&amp;config_settings_skin=black&amp;config=http%3A%2F%2Fwww%2Ebbc%2Eco%2Euk%2Fcomedy%2Fforge%2Dassets%2Fextra%2Femp%2Fempconfig%2Exml&amp;config_settings_showFooter=true&amp;" allowScriptAccess="always" allowfullscreen="true" originalPath="http://www.bbc.co.uk/emp/external/player.swf" originalAttribute="src" />urn:uuid:50cd6c9a-9d57-4367-af06-bed1afac80e4<img src='http://fkins.files.wordpress.com/2010/11/cute-baby-mom.jpg' align='left' />Many Purposes for Life Insurance Life insurance is far more than just a decision of how much to buy. Depending on your financial situation, life insurance can be used for a variety of purposes, such as estate planning, accumulating cash, transferring...Tue, 09 Nov 2010 19:46:57 -0600<h2><span style="color: #92d050; font-size: 16px;">Many Purposes for Life Insurance</span></h2> <p><a href="/life/insurance_quote.aspx" title="First Knight California Life Insurance" target="_blank">Life insurance </a>is far more than just a decision of how much to buy. Depending on your financial situation, life insurance can be used for a variety of purposes, such as estate planning, accumulating cash, transferring wealth, achieving estate tax liquidity. Life insurance is like auto insurance in that you can buy a lot of it or not very much of it. Life insurance differs from auto insurance in that, depending on the type of policy you buy, you can pay a lot or a little for basically the same death benefit. Keep in mind, though, that the younger and healthier you are, the less you will pay for coverage. Life insurers like to have their policyholders around for a long, long time.<a href="http://fkins.wordpress.com/2010/11/10/how-to-protect-your-family-if-you-die/cute-baby-mom/" rel="attachment wp-att-108"><span style="color: #92d050; font-size: 16px;"><img title="Life Insurance California " class="alignright size-medium wp-image-108" style="width: 200px; float: right; height: 146px;" alt="First Knight Insurance California" src="http://fkins.files.wordpress.com/2010/11/cute-baby-mom.jpg?w=190&amp;h=152" /></span></a></p> <p>So how much life insurance do you need? It depends. One common benchmark says your death benefit should be about six to eight times your annual earnings, but there are a variety of factors to consider such as other income sources,&nbsp;the size of your family,&nbsp;whether your spouse works&nbsp;and the number of people who are financially dependent on you in addition to&nbsp;any special needs such as mortgages and college education funds.&nbsp;Whatever type of policy you buy, make sure it provides enough of a death benefit to meet your family&rsquo;s needs if you aren&rsquo;t there. Don&rsquo;t lose sight of this number.</p> <p>Do you know which type of policy is best for you?&nbsp;I can say that there are more than 2,000 companies selling life insurance in the United States. As a result, you have thousands and thousands of options. This makes it even more imperative that you have a trained insurance professional analyze your financial situation and determine what kind of policy, from which insurer, is best for you.</p> <p>Call us to get a professional consultation at&nbsp;818-762-7600.</p>urn:uuid:4f0f8a04-4e7a-4539-abab-8651d7953ede U.S. health care costs will increase between 10.5% and 11% over the next year, marginally higher than the increases that occurred during the past two years, but lower than cost increases earlier in the decade, consulting firm Aon said in a report r...Wed, 15 Sep 2010 19:00:34 -0500<hr /> <br /> U.S. health care costs will increase between 10.5% and 11% over the next year, marginally higher than the increases that occurred during the past two years, but lower than cost increases earlier in the decade, consulting firm Aon said in a report released Wednesday. Aon pins next year's increase on such factors as rising prescription drug costs and the health care reform law enacted this past spring.<br /> The health care reform law, which President Obama signed in March, is expected to add between 2% and 5% to costs over the next three years, Aon said. Prescription drug costs will increase 8.4%, while expenses related to specialty pharmacy products will surge 14%. <p>Businesses looking to cut health insurance costs -- or at least limit expense growth -- should develop company-wide wellness programs that reward employees for staying healthy, according to John Zern, U.S. health and benefits practice director at Aon. Smaller companies will be eligible for grants related to wellness programs starting next year. <br /> <br /> See full article from&nbsp;<a href="http://www.dailyfinance.com/story/insurance/health-care-costs-rise-again-next-year/19633828/?icid=sphere_copyright" target="_blank">DailyFinance</a><br /> &nbsp;</p>urn:uuid:02331f57-5130-40e6-bca8-5d91a69c199e<img src='https://www.insurancewebsitebuilder.com/img/~www.firstknightinsurance.com/CellPhoneDriving.jpg' align='left' /> State-by-State Breakdown of Texting While Driving Laws Not sure if texting while driving is legal in your state? This infographic from NPR offers a detailed look at each state's current or proposed law for texting while driving. &nbsp; Check it ...Wed, 28 Jul 2010 16:07:13 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p><span style="color: #000000;"><span style="font-size: 16px;"><strong>State-by-State Breakdown of Texting While Driving Laws<img alt="" style="width: 215px; float: right; height: 135px;border: #ffffff 1px solid;" src="https://www.insurancewebsitebuilder.com/img/~www.firstknightinsurance.com/CellPhoneDriving.jpg" /> <hr /> </strong></span>Not sure if texting while driving is legal in your state?<br /> </span></p> <span style="color: #000000;">This infographic from NPR offers a detailed look at each state's current or proposed law for texting while driving.<br /> </span> <p><span style="color: #000000;">&nbsp;</span></p> <div class="entry-more" id="more"> <p><span style="color: #000000;">Check it out at </span><a href="http://www.npr.org/templates/story/story.php?storyId=113078186" rel="nofollow"><span style="color: #000000;">States Accelerate Effort To Ban Texting While Driving</span></a><span style="color: #000000;">.</span></p> <p><span style="color: #000000;">Pay particular attention to Utah, where offenders could face up to 90 days in jail and a $750 fine. That's a hefty price tag that could get even higher if a point is added to your driving record and your&nbsp;</span><a href="http://www.insweb.com/auto-insurance.html" target="_blank"><span style="color: #000000;">auto insurance</span></a><span style="color: #000000;"> premium rises.</span></p> </div> </div>urn:uuid:ee112dbf-f467-4813-8d6d-da6439234a4fCould a Blind Person Drive a Car? These days, technology can do virtually anything, including putting blind people behind the wheel. The National Federation of the Blind (NFB) and an engineering team at Virginia Tech have been working since 2007 to ...Tue, 27 Jul 2010 18:02:15 -0500<span style="font-size: 18px;"><span style="color: #000000;"><strong>Could a Blind Person Drive a Car?<br /> <hr /> </strong><span style="font-family: times new roman; font-size: 16px;">These days, technology can do virtually anything, including putting blind people behind the wheel. </span><span style="font-family: times new roman; font-size: 16px;">The National Federation of the Blind (NFB) and an engineering team at Virginia Tech have been working since 2007 to produce a vehicle that will allow blind people to drive.&nbsp;</span><span style="font-family: times new roman; font-size: 16px;">The prototype for the first self-driving vehicle is a Ford Escape with a non-visual interface to help sightless drivers maneuver on the road. Vibrating gloves tell the driver where and when to turn and laser sensors to act as the driver's "eyes." </span><span style="font-family: times new roman; font-size: 16px;">The NFB hopes that self-driving vehicles will provide blind people with greater independence and change the way people perceive the blind.</span><br /> </span> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <div class="entry-more" id="more"> <p><span style="color: #000000;"><span style="font-family: times new roman; font-size: 16px;">Blind drivers will test-drive the modified Escape at Daytona International Speedway in January. </span><span style="font-family: times new roman; font-size: 16px;">No word yet on how much&nbsp;</span></span><a href="http://www.fkins.com/category.aspx?id=misc3"><span style="font-family: times new roman; color: #000000; font-size: 16px;">auto insurance</span></a><span style="color: #000000;"><span style="font-family: times new roman; font-size: 16px;"> will cost for blind drivers. </span><br /> </span><span style="font-family: times new roman; font-size: 16px;"><br /> <a href="http://blog.insweb.com/2010/07/blind-drivers.html#ixzz0uvVDZ8Cd"><span style="color: #000000;">Read more</span></a></span></p> </div> </div> <br /> </span>urn:uuid:bd83d79e-0531-48fc-9a8e-47a1313d2882Earthquake Awareness.&nbsp; From wildfires to earthquakes, California is home to many devastating natural disasters. Because disaster strikes when we least expect it, it is vital for homeowners to prepare now for the possibility of a catastrophic ...Tue, 27 Jul 2010 17:57:56 -0500<p><span style="font-family: times new roman; color: #1f497d; font-size: 18px;"><strong>Earthquake Awareness.</strong>&nbsp; </span></p> <span style="font-family: times new roman; color: #1f497d;"> <hr /> <span style="font-size: 16px;">From wildfires to earthquakes, California is home to many devastating natural disasters. Because disaster strikes when we least expect it, it is vital for homeowners to prepare now for the possibility of a catastrophic loss.&nbsp;A 2009 National Association of Insurance Commissioners survey revealed that the <strong>majority of American consumers do not have the coverage necessary to protect themselves from specific types of losses that are not reimbursed under standard policies.</strong> Based on a data call by the Department of Insurance, almost <strong>90% of homeowners and renters do not have <a href="http://www.fkins.com/earthquake/default.aspx">earthquake insurance</a>.</strong> </span></span> <p><span style="font-size: 16px;"></span></p> <p><span style="font-family: times new roman; color: #1f497d; font-size: 16px;">We urge every Californian to evaluate their individual need for earthquake insurance, and to regularly inventory their belongings to make sure their existing homeowners coverage is adequate.<br /> </span></p>urn:uuid:3ea727a5-8ee2-49a6-999d-b02c177db2ff<img src='http://www.firstknightinsurance.com/img/~www.firstknightinsurance.com/04th%20of%20July.gif' align='left' />Lets Celebrate America's Birthday! Happy 4th of July from First Knight Insurance!!! Fri, 02 Jul 2010 19:06:04 -0500<span style="font-family: georgia; color: #ffff00; font-size: 32px;"><span style="font-size: 24px;">Lets Celebrate America's Birthday! <br /> Happy 4th of July from First Knight Insurance!!!</span> <img width="286" height="192" alt="" style="width: 230px; height: 190px;" src="/img/~www.firstknightinsurance.com/04th%20of%20July.gif" /></span>urn:uuid:fca0604e-361f-4284-96a8-d04f0b6198fcDo you want to know how to protect yourself and your BUSINESS from FINANCIAL DISASTER! &nbsp;Let's talk about 3 of the Biggest Insurance Mistakes Restaurant owners make &amp; how you can protect the financial well being and the future of your busines...Wed, 12 May 2010 19:47:13 -0500<p>Do you want to know how to protect yourself and your BUSINESS from FINANCIAL DISASTER! &nbsp;Let's talk about <b>3 of the <span style="color: #ff0000;">Biggest Insurance Mistakes Restaurant owners make</span></b> &amp; how you can protect the financial well being and the future of your business. <br /> <span style="color: #000000;"><b>MISTAKE #1:</b> Ignoring The Risks You Face! Conduct a risk analysis on your business! Most Restaurant Owners NEVER do this! </span><b><br /> <span style="color: #000000;">MISTAKE #2</span></b><span style="color: #000000;">: Not using an independent insurance agent. <br /> You need Independent Insurance Broker who's going to work for you! Not someone whose paycheck is tied to one insurance company. <br /> <b>MISTAKE #3</b>: Don't</span> trust the financial protection of your business to an insurance agent who is not a specialist with Restaurant Owners! Just because your wife's cousin sells insurance, doesn't mean he's the guy to trust the financial health of your business to! You want a professional broker that has studied the business and can protect it from a possible crisis or catastrophe. You also want to save money on your insurance, don&rsquo;t you? </p> <p><b></b></p> <p><span style="color: #ff0000;">Wednesday, May 12, 2010</span></p>urn:uuid:294a5766-88ef-464f-989a-ba3ba9ecc388WATCH OUR&nbsp;NEW COMMERCIAL&nbsp;VIDEO BY COMEDIAN JUSTIN RUPPLE&nbsp;&nbsp;&nbsp;Wednesday, May 12, 2010&nbsp; Wed, 12 May 2010 19:31:03 -0500<strong><span style="color: #ffff00;">WATCH OUR&nbsp;NEW COMMERCIAL&nbsp;VIDEO BY COMEDIAN JUSTIN RUPPLE</span>&nbsp;&nbsp;&nbsp;<span style="color: #ff0000;">Wednesday, May 12, 2010</span>&nbsp;<br /> <hr /> </strong><object width="660" height="405"> <param name="movie" value="http://www.youtube.com/v/ru2WgRNHqBc&hl=en_US&fs=1&rel=0&color1=0xe1600f&color2=0xfebd01&border=1"/> <param name="allowFullScreen" value="true"/> <param name="allowscriptaccess" value="always"/><embed src="http://www.youtube.com/v/ru2WgRNHqBc&hl=en_US&fs=1&rel=0&color1=0xe1600f&color2=0xfebd01&border=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="660" height="405"></embed></object>urn:uuid:04ba1633-fa10-48e0-9a18-b41dc92a0ff5Californians Facing Health Insurance Crisis with 1 in 4 Uninsured April 14, 2010&nbsp; A new study done in California shows that almost 1 in every 4 residents lacks health insurance. It is a bold reminder that a significant portion of our population...Wed, 14 Apr 2010 18:12:38 -0500<span style="font-size: 16px;"><span style="color: #000000;">Californians Facing Health Insurance Crisis with 1 in 4 Uninsured<br /> <span style="font-size: 13px;">April 14, 2010</span>&nbsp;<br /> <br /> <span style="font-size: 13px;">A new study done in California shows that almost 1 in every 4 residents lacks health insurance. It is a bold reminder that a significant portion of our population, even in a highly industrialized state, is going without what most consider a basic necessity. </span></span><span style="color: #000000; font-size: 13px;">The Center for Health Policy Research at UCLA released the findings of a 2009 study that shows over 8 million Californians under the age of 65 are without health insurance, one of the highest rates in the country. The double whammy of a bad economy and continuing layoffs as well as the high price of individual policies has contributed to this alarming figure. Being unemployed, or even underemployed, leaves our citizens with very few options and many are hoping that&nbsp;the current health care reform will be&nbsp;worthy. <br /> </span></span>urn:uuid:71cfa427-6dcb-47cb-9580-e57ad9115efcSo that glass of red wine not only be 128 calories, but it may inadvertently add hundreds more due to poor food choices. That&rsquo;s right, that 6 ounces of fermented grape juice (or 1 ounce of hard alcohol or 12 ounces of beer) contributes to a cha...Wed, 14 Apr 2010 18:03:26 -0500<span style="color: #ffff00;"><span style="color: #000000;">So that glass of red wine not only be 128 calories, but it may inadvertently add hundreds more due to poor food choices. That&rsquo;s right, that 6 ounces of fermented grape juice (or 1 ounce of hard alcohol or 12 ounces of beer) contributes to a change in your dietary habits, for the worse. </span><span style="color: #000000;">A joint study by National Institute on Alcohol Abuse and Alcoholism (NIAAA), National Cancer Institute (NCI), and the U.S. Department of Agriculture (USDA) , published April in the Journal of the American Dietetic Association, &nbsp;found that increasing your alcoholic beverage consumption is associated with a decreased diet quality.<br /> <br /> </span> <p><span style="color: #000000;">"Heavy drinking and dietary factors have independently been associated with cardiovascular disease, certain cancers, and other chronic health problems," said NIAAA Acting Director Kenneth R. Warren, Ph.D. "This finding raises questions about whether the combination of alcohol misuse and poor diet might interact to further increase health risks."</span></p> <p><span style="color: #000000;">Everything in life should be done in moderation, whether it is food, liquor or exercise. Moderate drinking, as defined by U.S. Dietary Guidelines, is one drink per day for women, and no more than two drinks per day for men. Don&rsquo;t add insult to injury by piling useless alcohol calories on top of unhealthy food choices.</span></p> <p>&nbsp;</p> </span>urn:uuid:f1c1f2bf-e732-455d-b8a0-2600f7c33234 With the use of credit scoring still under attack, the insurance industry would be wise to consider new ways to assess risk, according to an industry actuary. Roosevelt Mosley, a principal with Pinnacle Actuarial Resources Inc. said insurers will ne...Wed, 14 Apr 2010 17:54:36 -0500<span style="font-size: 16px;"> <p><span style="color: #000000; font-size: 13px;">With the use of credit scoring still under attack, the insurance industry would be wise to consider new ways to assess risk, according to an industry actuary.</span></p> <p><span style="color: #000000;"><span style="font-size: 13px;">Roosevelt Mosley, a principal with Pinnacle Actuarial Resources Inc. said insurers will need to develop additional analysis techniques to help them assess risks if they can no longer use credit in the underwriting process.</span><br /> <br /> </span><span style="color: #000000; font-size: 13px;">Mosley said that when credit is removed, insurers need to recalibrate current factors and consider additional variables that may have been deemed insignificant when the credit score was included. "We should focus on the reasons that credit works," he said.<br /> <br /> He said insurers should look at other variables that demonstrate the characteristics of responsibility, risk-taking behavior, and stability that go into the insurance scoring model. Payment history, accident and violation history, and number of years an individual has been insured and employed are some of the other variables to consider, Mosley said.</span></p> </span>urn:uuid:f710b6fd-5eed-4c4a-ba1f-34f6cdceb707High-Powered Trial Attorneys Compete for Toyota Litigation     Friday, March 26, 2010 Scores of high-powered U.S. trial lawyers pursuing Toyota in court over the car company's wide-ranging safety recalls gathered Wednesday to compare notes, strategi...Fri, 26 Mar 2010 18:12:08 -0500<p><span style="color: #ffff00; font-size: 16px;">High-Powered Trial Attorneys Compete for Toyota Litigation    <span style="color: #ff0000;"> Friday, March 26, 2010</span><br /> </span><br /> Scores of high-powered U.S. trial lawyers pursuing Toyota in court over the car company's wide-ranging safety recalls gathered Wednesday to compare notes, strategize and jostle for a prime shot at the legal bounty.</p> <p>The conference at a San Diego hotel came a day before a special panel of U.S. District Court judges meets nearby to hear arguments on the consolidation of hundreds of federal lawsuits against Toyota into a single case, or a handful, for pretrial proceedings.</p> <p>"Everybody's trying to size everybody else up and divide into teams and see who's going to lead the charge where,'' said Mark Lanier, a Houston trial lawyer whose legal team secured over $300 million from Merck &amp; Co. in litigation over heart attack deaths blamed on the painkiller Vioxx.</p> <hr /> urn:uuid:339f5ef8-a009-4144-ac02-658c630edd20 As insurance and real estate agents and homeowners feared, Congress left Washington without extending the federal flood insurance program. Congress adjourned until April 12 after failing to agree on an unemployment benefits bill that included a prov...Fri, 26 Mar 2010 18:08:20 -0500<span style="color: #ffff00; font-size: 16px;"><span style="color: #000000; font-size: 13px;"></span> <p><span style="color: #000000; font-size: 13px;">As insurance and real estate agents and homeowners feared, Congress left Washington without extending the federal flood insurance program.</span></p> <p><span style="color: #000000; font-size: 13px;">Congress adjourned until April 12 after failing to agree on an unemployment benefits bill that included a provision with an extension of the National Flood Insurance Program.</span></p> <p><span style="color: #000000; font-size: 13px;">As a result, the federal flood insurance program's authority to write new policies ends on Sunday, March 28 at midnight. After that time, insurance agents will not be able to provide new or renewal flood insurance policies, which are required by lenders to close on some real estate sales.<br /> </span></p> <p><span style="color: #000000; font-size: 13px;">&nbsp;</span></p> <p>&nbsp;</p> <p>&nbsp;</p> </span>urn:uuid:a0bc4a2c-73c8-4c4c-a5b9-2c2f06e59d2aCongress Approves Final Healthcare Bill Changes    Friday, March 26, 2010 The U.S. Congress approved a package of final changes to President Barack Obama's landmark healthcare overhaul Thursday, and Obama dared Republicans to try to repeal the new l...Fri, 26 Mar 2010 18:06:28 -0500<div id="zonetitle"><span style="font-size: 16px;"><span style="color: #e36c09;"><span style="color: #ffff00;">Congress Approves Final Healthcare Bill Changes    </span><span style="color: #ff0000;">Friday, March 26, 2010</span><br /> </span><br /> <p>The U.S. Congress approved a package of final changes to President Barack Obama's landmark healthcare overhaul Thursday, and Obama dared Republicans to try to repeal the new law.</p> <p>The House put the finishing touches on the overhaul by passing a companion package that would make insurance more affordable, raise taxes on the wealthy and close a gap for prescription drug coverage for seniors.</p> <p>The Senate approved the package earlier in the day. It now goes to Obama to sign.</p> <p>Obama, launching a public relations blitz to sell the new program, mocked his Republican critics and said their promise to make repeal of the law the centerpiece of the congressional campaign would backfire.</p> <p>"If they want to have that fight, I welcome that fight,'' Obama said in Iowa City, Iowa, in his first major speech since signing the law Tuesday.</p> <p>"I don't believe the American people are going to put the insurance industry back in the driver's seat. We've been there already and we're not going back,'' he said.</p> <hr /> </span></div>