News from AnCap Insurance, Inc.

(602) 943-2568

June 2010

In This Issue

Rewards Program

Lead Paint Renovations

Boat Insurance

Join Our Mailing List!

AnCap has just become a valued member of Local First Arizona. This is a great directory to help you find local businesses to keep the money here in Arizona. Did you know that when you purchase from a locally owned business 45 cents of every dollar stays in Arizona! When you go to a national chain only 13 cents stays in our state. So before you go shopping next weekend, remember it's the local independent business that helps make Arizona unique. Click the link above and take a look at their website.

Featured Customer: Solar Traffic Controls

Solar Traffic Controls is a unique business for our community. The founder and president Joe Wise has been changing the traffic control industry since 2001. Their product line includes solar powered crosswalks systems, flashing beacons for school zones and the control system for the open pit mine in Northern Arizona.. STC strives to provide new and unique solutions for their customers. Most of the time a customer will call in with an idea and it is up to them to make it reality. "We believe in the concept of completion." says Joe. STC has worked on projects that have been located through and around the world. From the flasher lights for pedestrians on Bullard Rd in Surprise to traffic control at the Coca- Cola building. His concepts have even assisted the US Army in Afghanistan.

Solar Traffic Controls became a client of AnCap Insurance in 2008 as a referral from another one of our wonderful clients. " I have found that AnCap is more thorough than any other insurance company I have worked with in the past." Joe goes onto say " I like that Frank Jr comes down here and actually looks into what I do and asks so many questions to make sure I am getting the proper coverage. Being in this line of business there aren't many companies that actually understand what I do."

For more information on Solar Traffic Controls Click the link below to be connected to their website.

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AnCap's Referral Rewards Winner

Congratulations to April's Referral Program Winner, Pauline Landry For Referring a friend to us, Pauline won a check for $50.00.

How can you be our next winner It's easy All you have to do is refer someone you know.

When you send a referral to AnCap You WIN

First- You automatically you are sent 2 scratcher tickets

Second- You get one entry into the monthly drawing for each referral for a $50 check. The drawing is held on the first Friday of each month.

Third- One entry into the final drawing for a $500 check (This drawing is held in the beginning of December, just in time for any finally holiday shopping)

Why do we it? We've built our agency by taking special care of you and our other clients. It shows in the number of people who call us because YOU recommended us. Our best new clients call us because you recommended us, so we LOVE it when you tell anyone about the special treatment and low prices you

Frank Capparelle Sr

Frank Capparelle

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receive from us

It's so easy to win Maybe next month you will be getting a call from Frank Sr letting you know you won

From the AnCap team....

Thank you to everyone who referred a friends last month.

Lead Paint Law for Contractors

Effective April 22, 2010 a new Environmental Protection Agency rule was introduced regarding interior renovations. The EPA Renovation, Repair, and Painting (RRP) Rule will affect any renovations where walls are disturbed by more than six square feet inside and more than twenty square feet outside a home, school or child care facility. This EPA rule will require contractors who disturb lead-based paint areas in buildings that were built before, to be certified and to follow specific work practices to prevent lead contamination. The rule was enacted to protect children under age six and pregnant women who may live in or may visit the areas that are being renovated.

Projects that can disturb a potential lead polluted area could be very dangerous. Lead paint is very caustic to everyone. It can affect children's brains and developing nervous systems. In adults it can raise blood pressure and cause hypertension. Lead dust is an invisible substance which is the most common form of exposure.

As a contractor you are required to be not only certified but insured against this exposure. The rule does not delineate between General Contractors and subcontractors. AnCap Insurance is working on an insurance policy to make sure that you can get the proper type of coverage for a reasonable price. This rule has just gone into effect and the construction industry is catching up with certification classes and awareness campaigns. If you would like additional information please contact Frank Jr.

As a consumer your contractor will provide a very important pamphlet which will discuss their course of action and what you need to do. If you have decided to do the project yourself, you will need to contact the National Lead Information Center

http://www.epa.gov/lead/index.html

Boat Insurance

It is summer time and that makes it the most popular time of year to purchase a boat. It also makes it a great time to take a look at your current policy. Each year there are thousands of boating accidents, and approximately 8000 boats are stolen each month in the U.S. which makes proper boat insurance essential.

Insuring your watercraft will vary by the type of watercraft that you own. There are many types of coverage, due to size and speed, etc. A basic rule of thumb is to make sure that your boat liability coverage is the same as your auto liability limits. "Homeowners insurance only offers very basic boat coverage" warns Frank Capparelle Sr. "That coverage may be limited and there are restrictions for what can be covered."

Specific policies written for watercraft insurance will have specialized coverage. Options may include water towing, fuel spill liability, marine electronics and wreckage removal. Uninsured boaters coverage is also a great coverage since many of the accidents that happen do result in an injury

integrity tree service1 While injury is very common it is not only good to have the protection for yourself, but you need to consider the coverage if you were to cause the accident. Now having a greater risk factor, there is more you will need to protect. A personal liability umbrella can add one, two, and three or as high as ten million dollars of liability over your homes, cars, motorcycles, boats etc. The umbrella will extend over liability provided by your current active policy. In other words, there has to be an underlying policy providing liability of at least 250/500 limits (some Umbrellas request higher limits). If a liability claim exceeds the underlying policy the umbrella will begin to pay.

One court case example had a lifelong boater docking his new 400 ft Cobalt into a slip. A fellow boater was assisting him in docking the boat. The owner of the boat accidentally hit the throttle injuring the helper, causing a significant head injury. The court awarded the injured party $750,000. The insurance held by the owner was limited at $300,000. The insured was responsible for the additional $450,000. An umbrella would have been able to assist in this coverage.

The Arizona Game and Fish Department provides a free boat safety course available online. The certification exam is only $2, and will provide you with the proper knowledge that you will need while on the water. For more information you can log onto:

http://www.boat-ed.com/az/index.htm

Call AnCap Insurance for all of your boat insurance needs. We can discuss the options and get you the correct policy.

Did you know that we offer all these services!

Home Condo Flood Auto Classic Car Motorcycle Boat ATV RV Motor Homes Personal Umbrella Commercial Workers Comp General Liability Inland Marine Life Health Disability Long Term Care Medical Supplements Dental/Vision

AnCap Insurance
8802 N 4th Street, Phoenix, AZ 8500
(602)943-2568 ofice (602)943-7221 fax

Visit our website at www.ancapinsurance.com