Allied Brokers
Solving Clients′needs since 1954
630 Cowper Street
Palo Alto, CA 94301
P: 650-328-1000
F: 650-324-1142
Open M-F 8:30-5pm
LIC# 0525309
Chris Grammer
Connie Prince
Chris Grammar
Connie Prince
Personal Lines and Office Manager
Welcome to Allied Brokers' May 2010 Newsletter!

In this Issue:

       >> Umbrella Insurance - You Never Know When You Will Get Wet read more...
       >> Client of the Month
       >> Giants Tickets Draw - April Winner
       >> Stop Annoying Cell Phone Calls
Client of the Month (^ back to top)
Client of the MonthDittmer's Gourmet Meats Wurst-Haus, Inc.
An Allied Brokers business insurance customer profile.

400 San Antonio Road
Mountain View, CA
Tel: (650) 941-3800

DITTMER'S MEATS: Purveyor celebrates 30 years

Regularly ranked number one under both Meat and Sandwiches by the customer review site, Dittmer's has been serving the San Francisco Bay area since 1978, providing over 100 homemade specialty items and over 40 different kinds of sausages.

"You can find certain cuts of meat that you won't find anywhere else," says Petra Silva, manager. "And if you don't find exactly the sausage you want, we'll make it for you, using your recipe or one of ours."

You can also get answers to all your questions about varieties of meats or cuts from a very knowledgeable and helpful staff. "We're family owned," says Petra. "And some of our employeeshave been with us for 20 years."

Open every day except Sunday, Dittmer's has an extensive lunch menu, offering such unusual choices as garlic sausage, smoked bratwurst, and thuringer sandwiches.

They've also been very happy with the service they received from Allied Brokers. "We've been insured with Allied for 25 years," says Petra." Whenever we've had an insurance need, they'vebeen right there for us."

Want to be our 'Client of the Month'?

You can be our client of the month by becoming a part of our referral network. Your business will be promoted to our 4000 plus clients via the newsletter AND will also be featured on our corporate website (

To join our referral network, please click on the link below and fill in the simple form.
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Umbrella Insurance (^ back to top)
Americans are the most litigious people on earth. There are 4 reasons for this:

1. We are entitled to compensation when we suffer injury of loss through no fault of our own
2. We get justifiably angry at the carelessness of others that cause us hurt
3. The less ethical among us see compensation claims as an easy way to get rich quick
4. Ambulance chasers stand at every corner, ready to promise untold riches to those who have suffered injury. Of course, the fact that a lot of these riches ends up in the lawyer's pocket is another matter.

These are some of the reasons that we are among the most heavily insured people on the planet, especially in terms of liability insurance. But with the wide range and types of insurance available, its easy to have a few policies in place and think you are adequately protected against liability claims, only to find, when a claim is made, that there are large cracks. Cracks through which your assets may disappear.

Umbrella insurance is the best protection you can have against gaps in your insurance coverage. As the name implies, it is a form of insurance that stays on top of your auto and homeowners insurance to cover gaps in your existing liability coverage. Your auto insurance will cover claims against you for damages if you are involved in an accident. And your homeowners insurance will protect you if a visitor falls on your property and sues you. Right? Well, yes and no. You will be protected to the value of the policy. But suppose your coverage is $250,000 and the settlement is $750,000? Who pays the extra $500,000? You do. You could be financially ruined.

An umbrella policy will take up the slack and cover claims in excess of what your auto and homeowners insurance over. Umbrella insurance carries a high deductible, usually in excess of $250,000. That's fine because it is designed to kick in after your other policies are tapped out. Here is an example of how it works. You have an auto liability overage of $300,000. After an accident, the settlement amount is $900,000. You pay your deductible on the auto policy - $1000. The policy pays $299,000. The umbrella policy pays the balance $580,000. Your total cost? Only $1000. The same principle applies in the case of liabilities claims against your homeowner's policy.

You may ask why not simply increase the amount of auto and homeowners insurance. It's a matter of economics and convenience. The premiums for umbrella insurance are usually between $200 to $300 per year per $1 million of coverage. And this one policy will protect you from claims in excess of what your homeowners and auto policies cover. People usually take enough liability coverage to protect their assets. But what happens if your assets are $2 million and a judgment against you is for $5 million? You often hear of juries awarding huge amounts of $20 million and above, with no regard to the assets of the defendant. Not only could you lose everything you own, your future income, including inheritances, could be lost.

Those who have heard about umbrella insurance are often under the impression that it is expensive and meant for the rich. Neither of these is true, as a discussion with your insurance broker will reveal. Neither is it true that coordinating umbrella insurance with your existing policies is difficult. In fact, if you get your auto, homeowners and umbrella policies from the same broker, the company will not only balance out the coverage under the different policies for the optimum protection, you are usually eligible for a significant premium discount.
Giants Tickets Drawing - April Winner (^ back to top)
ClientWinner from April 2010 Drawing

Jennifer Pollock, Menlo Park
Realtor with Coldwell Banker
(Winner from 110 client respondents)

To participate in next month's (June 2010) drawing send an email to with subject as "Giants Ticket - June 2010 Drawing".
Stop Annoying Cell Phone Calls (^ back to top)
Cell phone numbers have been released to telemarketing companies and they are now free to call you to market their goods and services. While the cell phone has been a boon to all, unwanted calls, which usually happen at the worst possible time, are a huge cause for irritation. That's why it's important for you to make the small effort needed to block your number from being used by telemarketers for five years. All you need to do is have your cell phone number placed on the national Do Not Call List by calling 888-382-1222. It only takes a minute. Just remember to call only from the cell phone number you want placed on the list.
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