Eagle Harbor Insurance Blog

Eagle Harbor Insurance Blog

Eagle Harbor Insurance offers ANY type of Business and/or Commercial Property insurance!!

Posted in Uncategorized

At Eagle Harbor Insurance we have always and currently offer over 30 top tier insurance carriers, for your business and commercial property  insurance needs. We offer coverage as low as 425.00  for a small business owners policy and also offer coverage for  complex risks such as shopping centers, gun ranges, sports arenas, medical practices,  office buildings, childcare centers, churches , etc.

We have in house,  same day quotes , for preferred markets risks as well!

Some current examples of risks we placed last month are:

Dental office – 755.00

Medical Records office 425.00

Accounting Firm Office 425.00

Dog Day Care Center 825.00

Soccer Club 1250.00

Yoga studio 550.00

Farm to Table style restaurant 3800.00

1-502 Zoned Commercial building 5600.00

If you need commercial insurance of any kind, call Eagle Harbor Insurance today, we  GUARANTEE  a coverage plan and carrier will be found to fit your risk, no matter how big , small or odd!




Need Errors & Omissions Coverage / Professional Liability? What is this coverage? At Eagle Harbor Insurance we write it ALL and can explain it ALL!!

Posted in Uncategorized

Business owners inevitably find themselves in a spot needing Errors and Omissions Insurance ( E/O) or Professional Liability Insurance ( P/L) ( these are actually one in the same). We see more and more corporate businesses and municipalities requiring this coverage from vendors or consultants, with respect to awarding work contracts, etc.

So the big question….. what is this insurance and why do I need it?

E/O or P/L is coverage for the intangibles.  Essentially it covers you for the items not covered by a Commercial General Liability Insurance policy.  Your advice , professional opinion,  direction on a project, or otherwise human error is covered by this policy.


If you offer a solution to a Bainbridge traffic issue,  and it is implemented  with disastrous results, you could be held liable for the costs and issues it has caused.  If you make a clerical mistake, forget file something, forget to place coverage, etc, this policy will respond with coverage.

Examples of professionals that can benefit from this coverage are:  Lawyers, Brokers, CPA, Architect, Technology Consultants, Guardians, Program Directors, Sports Agents…..the list goes on and on.

Every policy is different and we can fine tune a policy to meet you needs. We even work with underwriters who can literally build a policy for your risk.

Please call us …we can help!  (206) 842 7410



Eagle Harbor Insurance voted #1 Insurance Brokerage/ Agency in the 2015 Best on Bainbridge !!!

Posted in Uncategorized

Eagle Harbor Insurance was voted #1 Insurance Brokerage in the 2015 Best of Bainbridge!

Thank you so much to everyone who voted for us and the huge amount of community support given to all the businesses!

We are lucky to work, live, and thrive on this gorgeous island. We look forward to serving our community for years to come!

***Choose Local – Shop Local – Support Local***

All the results can be viewed at : http://www.bainbridgereview.com/green_editions/

Fender Bender on Bainbridge Island or anywhere for that matter ! What do I do?

Posted in Uncategorized

What do I do in the event of a simple fender bender accident, with no injuries?

This question comes up often  at Eagle Harbor Insurance and it seems many folks are unclear as to what to do, what to provide, etc.

Simple answer: Both parties are required to exchange insurance policy information and a form of contact information. It is also recommended that the local police are called and a simple statement is filed, if possible.

**Please remember, regardless of fault, this is stressful for all parties involved. Arguing, yelling at or threatening the other party, achieves nothing and just delays the claims process.

This is exactly why we have insurance and why they call it an accident!

Your Bainbridge Student headed to college….insurance coverage they truly need!

Posted in Uncategorized

Kids preparing to go to college? What if any insurance do we need for them?

Insurance coverage for Dorms vs. Private rental homes

If your child will be staying in the dorms at college, good news!Most homeowners insurance will offer an extension/ endorsement of coverage, to cover your child while in the dorms. The endorsement offers limited contents coverage and will extend your liability coverage to them. The dorm must be school supervised and recognized as school housing.

If your child will be renting a private residence , by themselves or with friends, it is imperative they get their own insurance. They will need a renters insurance policy ( Ho-4). This policy will cover their contents and offer them the much needed liability coverage . The cost of this can be as low as 125.00 annually!

Don’t let this coverage slip through the crack. Cost is minimal and placing coverage takes about 15 minutes.

Don’t hesitate to call us if you think we can help! (206) 842 7410

Is your home properly insured to full replacement value on Bainbridge Island

Posted in Uncategorized

Home Insurance Value vs. Home Purchase Value

This can be a very confusing topic for both the homeowner and the banks. Here at Eagle Harbor Insurance we unravel the mystery.

Essentially, the insurance you place on your home is to cover the amount it would cost to rebuild the home to like quality , size, and style. This amount is determined from the square footage of home, build quality, and location.

This is where the confusion lies. Many folks and banks think the purchase price of the home dictates and should mirror/ match the amount of insurance coverage. This could not be more inaccurate!

Here are two prime, yet very contrasting examples:

You purchase a waterfront home on Bainbridge Island for 1,800,000. Home itself is 2800 sq. ft. and of superior quality. Using an industry standard calculation of 250.00 a sq. ft. to rebuild,  your homeowners  coverage amount would be: 700,000

You purchase a home at a great deal in Winslow for 385,000. Home itself is 2450 sq. ft. and of average build quality. Using an industry standard calculation of 185.00 a sq. ft. , your homeowners coverage would be: 453,250

As you can see if we had used the home purchase prices, one would be ridiculously over-insured and the other would be woefully under-insured.

Moral here is:

Do not ever let your lender / bank dictate your homeowners coverage amount . That’s is our job as insurance brokers.

We use the latest cost estimators and access risk guides to determine the values. Just another real life reason to trust and use Eagle Harbor Insurance!

Your independent insurance broker on Bainbridge Island!

Posted in Uncategorized

We hope you will chose us! Why you ask?  Here are five very logical and real reasons :

1. Everyone in our agency has lived, or lives on Bainbridge Island.  We can personally meet and view your risk.

2. We represent over 50 quality carriers, with access to nearly any market to fit your risk.

3. We treat every client like family, your file is kept by name, not policy number. You call us and its like calling your friend.

4. We are experts in helping make sure your claim is handled accordingly. We have access to claims supervisors and always put your needs first.

5.We ” shop” your insurance yearly, making sure you are getting the best rates and coverage for your money.

Local broker , Local knowledge, Local Help!

Posted in About Eagle Harbor Insurance

I started this blog many years ago and have used it as tool to map out my thoughts on what clients truly need, want, and require for insurance.

Setting aside all of the numbers, coverage’s and issues at hand… I have found the #1 thing clients desire is simple:

To have a broker who is local and has truly excellent knowledge of the locations they offer insurance in.

At Eagle Harbor Insurance we have all lived or worked in the Bainbridge area for over 20 years . I can confidently say we know this island inside and out. We are up to date on areas with current landslide risks, flood risks, access risks, etc. We also keep up to date on the protection class codes and road changes for the island. Thus making sure our policies are updated accordingly to accurately reflect the changes…as clients can save money as road and water access improves.

If you plan to buy or already own a home, we would be happy to do a full risk analysis for you. This can include a personal walkthrough of your homes exterior and interior, location and risks. We always offer our quotes, pressure and stress free. At the time of inspections, we actually wont even offer a quote. We prefer to email it to you, give you time to review and then discuss along your timeline.

I hope you will consider using this service!

Homeowners Insurance on Bainbridge Island

Posted in Home Insurance, Insurance Coverages

Homeowners insurance …….Did you know?

Extended coverage’s that can be added to most homeowners insurance policy:

1. Golf cart coverage. Own a golf cart? Then add it to your homeowners policy for liability insurance to be sure your covered while out on the course.

2. Own a rowing shell, kayak, SUP, small dingy with outboard? Any of these can be added to your homeowners insurance, for both liability and physical damage coverage

3. Have a child who is off to live in the dorm’s at college? Many carriers offer an extension to cover children away at school and their belongings. ** must live in dorms**

4. Have a live in nanny or exchange student? Inform your carrier and your liability can extend over them as well!

5.Have a home office? Homeowners policies have an endorsement just for the small satellite home office.

6. Have a small B & B style rental on site? Some carriers will even offer a home based business supplement to cover risks like this.

All just food for thought … ASK US TODAY…your homeowner insurance may cover more than you truly know!

Auto insurance rates vs coverage

Posted in Auto Insurance, Insurance Coverages, Insurance Rates

Rate vs. proper coverage …this is why we are not always the
” lowest auto insurance rate”

Biggest Auto Insurance misconception:

People think when they carry comprehensive and collision
AKA: ” full coverage” , that they have everything they will need protection wise, in the event of any accident or issue. This could not be farther from the truth.
Comprehensive and collision coverage is purely for the vehicle itself and damage that may occur to the vehicle. While it may feel good knowing your vehicle is covered in the event of damage, your real risk lies elsewhere.
The liability coverage levels in your policy, are what truly defines your protection. State legal minimums can be as low as 25,000/ 50,000 . This amount clearly would not be enough coverage in the event of any serious accident or claim, yet this amount is “defined” as legal.
For perspective, if you were to cause an accident and seriously hurt four people in the other vehicle, at state minimums the maximum amount your insurance policy would pay is 25,000…for the entire accident! Once the carrier had paid this amount,
( tendered limits) you would then be on your own to defend yourself. This exposes you to huge medical liabilities, wage garnishment and punitive damages that can easily force you into bankruptcy.
Issues like the above , can be easily avoided if you have proper broker representation at the time of placing coverage. It is our professional duty, to offer proper coverage limits for your risk, NOT just the lowest rate. We will explain the coverage vs. cost value and why you need certain levels of coverage.
Take the time to call us at Eagle Harbor Insurance or any other broker, explain your risk /assets, and get what you pay for insurance wise. Like any other purchase, insurance has value, do not cheat yourself out of proper coverage over a few dollars. Short term savings can equal long term disaster.

Just todays thoughts :)