As we closely monitor the global and national response to the coronavirus COVID-19, and out of an abundance of caution, Casablanca Insurance has taken proactive steps to do what is best to protect our customers, agency partners, employees, and our extended community of families, friends and neighbors. These measures include, but are not limited to, limiting travel and our attendance at public events, moving more of our communications and engagements to digital and virtual environments, and providing our employees who can work from home the opportunity to do so.
As a reminder, we have several tools that can help agents and customers avoid additional exposure by handling their business remotely.
Tools for customers:
1- Email
For existing policies: service@casablancainsurance.org
For new policies: getcovered@casablancainsurance.org
2- Phone Calls
For all inquiries (909) 766-0049
3- Text Messages
For inquiries (909) 906-0444 and (909) 766-0049

4- Customer online portal
You can log in to your account, View all your policy details, view/print your ID card(s), request a policy change, and much more... 
If you don't have your login info, please Text (909) 906-0444 requesting your customer online portal login info, and It will be emailed to you.

​If you have any questions, please reach out to a Casablanca insurance representative.

Building wealth has more to do with your mindset than you may think.
That’s what author Steve Siebold found after studying self-made millionaires over the span of three decades. “Getting rich begins with the way you think and what you believe about making money,” he writes in “How Rich People Think. ” In fact, “it wasn’t the lack of desire that held the masses back from getting wealthy, but the lack of belief in their own ability to make it happen.”
Here are eight mental tricks that rich people use to get ahead, according to Siebold.

Rich people aren’t afraid to fund their future from other people’s pockets.
If they come up with a great idea they’re unable to finance, they “proceed to use other people’s money to make it happen,” Siebold writes.
“Rich people know not being solvent enough to personally afford something is not relevant. The real question is, ‘Is this worth buying, investing in, or pursuing?’ If so, the wealthy know money is always available because rich people are always looking for great investments and superior performers to make those investments profitable.”

Rich people think of business, life and earning as a game, and “it’s a game they love to win,” writes Siebold. “This is the reason millionaires still go to work every day chasing their next success. Money to these people is no more than a gauge that tells them when they have achieved their latest target.”
Plus, the excitement of “playing the game” pushes them to continually raise their level of expectation, Siebold explains. “The more excited they get, the harder they work and the more they succeed.”

While the middle class sets their financial expectations low so they’re never disappointed, the rich set their expectations exceptionally high.
They’re up for any challenge, Siebold says: “No one would ever strike it rich and live their dreams without huge expectations. Ancient wisdom says you get what you expect, yet many people decide to limit their lives to middle-class mediocrity in an effort to protect themselves from failure.”
After setting ambitious goals, the rich immediately start tackling them, says the author: “Champions don’t wait for things to happen, they make things happen.”

Rich people consider money “one of their greatest allies and friends,” writes Siebold. “It is a friend that has the power to end sleepless nights of worry, physical pain and can even save their life.”
While wealthy people believe money can solve problems and purchase peace of mind, the middle class “sees money as a never-ending necessary evil that must be endured as part of life,” he says.

“The great ones are operating at a level of consciousness where fear doesn’t exist,” Siebold explains. “At this level of thought, anything seems possible. Every dream that seems crazy to the masses looks surprisingly doable.”
To operate at this level, you have to be willing to , which is exactly what the richest people do, Siebold says. “World class thinkers learn early on that becoming a millionaire isn’t easy and the need for comfort can be devastating. They learn to be comfortable while operating in a state of ongoing uncertainty.”

The rich believe that “success, fulfillment and happiness are the natural order of existence,” Siebold writes. “This single belief drives the great ones to behave in ways that virtually guarantee their success.”
On the flip side, the middle class struggles because they expect to: “The masses think they aren’t worthy of great wealth. Who am I, they ask themselves, to become a millionaire?”
Instead, ask: “Why not me?” That’s what the wealthiest people do, says Siebold.

The wealthy not only believe getting rich is natural, but they believe it’s a right.
“World-class thinkers know in a capitalist country they have the right to be rich if they’re willing to create massive value for others,” Siebold writes.
Meanwhile, the masses think getting rich is reserved for a lucky few. “This distinction in thinking leads the middle class to the lottery and the world class to work,” he says. The world class “believe if they make life better or easier for others, it’s their right to be rich.”

Rich people have learned over time to not only grow and utilize their abilities, but also other people's abilities. Look at the people around and try to really see what abilities they have that you might utilize to advance yourself and make more money. Now, don't take me wrong, in this process you have to make sure those people are benefiting and growing as well. It should be a mutual benefit.

We'd love to hear what you have to say about this topic, leave your comment below!

Events And Sponsorships
Supporting local events and sponsoring sports teams is a great way to create a lasting impression with customers and prospects. After events, branded merchandise ($) can serve as reminders. Sponsorships/events that can work for you: • High school sports • Local youth sports • Community events • Trade shows • Affinity events 

Distracted Driving Campaign
Drive smart. Get there. Did you know? Distracted driving is any activity that diverts a person’s attention away from the primary task of driving. Help your friends and neighbors take steps to avoid distracted driving every time they’re behind the wheel. Because whether they’re on time or not, the most important thing is that they get there

Affinity Discounts 
Affinity program works with more than 300 organizations, offering customers belonging to these groups members-only discounts. The program results in targeted relationships, which could drive more leads and multi-line sales. 

Social media
Your neighbors, current customers and potential customers — they’re all on social media. It pays to learn how to use social media to drive more new customers and stay visible to your current ones. 

Having an open dialogue with customers is important. If you receive online inquiries or complaints from customers via social media or a public forum, keep the following in mind: • You may respond to inquiries about the agency (e.g., hours of operation, location, etc.) via social media • If you do not have an email address for the person asking the question, you may request their contact information (if allowed by the site’s terms of service and the consumer’s established preference settings on the site) • You may not use the email or private communication tools that are available on social sites (e.g., “Messenger” on Facebook) • If a complaint is posted in a public forum, it is appropriate to make a brief, non-substantive acknowledgment in the same forum, offering your contact information, such as “Please contact me directly to discuss your concern at (insert your email and phone number here)”

Search Engine Agency Locator
Agency Locator helps customers find you when they’re shopping and improves your agency’s online ranking, increasing traffic to your site. Make sure your agency is list on most Sites.

Digital tactics
You may consider hiring a firm that will handle all your digital tactics such as:

• Business listing optimization and maintenance 
  
• Local Search Engine Optimization
  
• Paid search 
  
• Customer Relationship Management/Agency Management Solutions

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Multi-policy discount
Help customers save an average of $710 per year by bundling home and car policies.

.Before we expand on this and explore the 7 top reasons to create such an income, what exactly does it mean?
In short, passive income is money you earn passively. Once you’ve made an initial investment of time, effort, and finance, revenue is generated automatically; with minimum effort needed to maintain and refine the business or money-making model.
Selling insurance is by far one of the best passive incomes out there, because everyone needs to, and in some cases must, have insurance, and as an insurance agent you keep getting paid every time a policy renews with you. You keep getting old money paid to you while you are adding new one to the pile, it's a snowball affect!

But why is that a good thing? It might seem obvious, but let’s take a closer look ….

1- Because it’s a Positive Mindset
Pursuing passive income forces you to completely change your outlook on what work and income actually are. You begin to assess the value of your time, your future, and what you really want out of life. That’s a positive mindset to be in! It's not longer a time based income, it becomes a productivity based income.
2- Leaves you Secure in Emergencies
Everyone knows about building a savings pot and finding secondary revenue streams to keep you secure in an emergency, but if your secondary revenue stream is also passive, you’re in a much better position.
Whether you lose your primary job, are facing an unexpected bill, or any other negative financial predicament, your passive income will still be there. What’s more, because it takes little effort to maintain you can use that spare time to find a new primary job or otherwise fix whatever led to the emergency in the first place. The key is to start a passive income while still have your regular job, until your passive income can cover your life style.

3- Gives you time to Explore Other Revenue Streams
We’ve all at some point been stuck in a dead-end job that takes up all our time for little money to show for it. Fortunately, passive income gives you an escape route and the ability to increase your earnings exponentially.
For example, once you’ve set up one insurance client, the next step is to repeat the process. Your success should begin to snowball and as your free time and money increase so too does your ability to find other revenue streams and investment opportunities.

4- Reduces Stress
Because passive income is earned without much continual effort, it frees up your time. The more passive income you make the less time you have to spend stressing out about work. Since stress is not just a negative feeling (it can actually contribute to everything from heart disease to depression), you may literally be prolonging your life by creating a passive income.
If that’s not a good enough reason, we don’t know what is!

5- Allows You to Enjoy Life
Some people are lucky enough to do what they truly love for a living, while most of us have other hobbies and passions that we might prefer to occupy our time at 9 am on a Monday morning.
Passive income gives you the freedom to do more of what you love, and who knows where that might take you? Many of us have ideas that could become something more if we had more time to dedicate to them.
Or maybe extra leisure time is your goal? Want to hang out with friends more often, travel the world, or just sleep until noon a few days a week? Passive income can help you enjoy your life and not spend most of it working.

6- Puts you in the Best Position to Start a Family
One of the most common reasons people cite for not starting a family is that they’re too focused on their career, and one of the most common reasons people cite for being dissatisfied with their job is that they don’t spend enough time with their family.
Building up a stable passive income puts you in the best position to have and raise children, even if you only take advantage of it for those early formative years.

7- You Can Retire Early
One of the ultimate goals and benefits of building a passive income is the ability to retire early. And, whether you’ve built up a giant million-dollar empire or just have a couple of profit-making websites or affiliate marketing campaigns, that income will continue into retirement.

Ultimately there are dozens of reasons why passive income will change your life for the better, depending on your own wants and needs. If you’re having success generating passive income in other ways, and want to share how its helped you, let us know in the comments below!

What Is Business Insurance?Business insurance helps protect businesses from financial losses caused by risks to their property and income. Covered risks can include things like theft, damage, and lawsuits. Insurance for businesses, also known as commercial insurance, can even cover injured workers’ lost wages and provide access to programs to help them get back to work. Commercial insurance policies also help protect businesses from financial losses resulting from liability claims.
 Do You Need Business Insurance?You may ask yourself, "Why do I need business insurance?"
 
Businesses need business insurance for many reasons. One reason is that in the U.S., most states require certain coverages in order for a business to operate there. This usually includes workers' compensation insurance, unemployment insurance and disability insurance. Insurance for business can also help cover the costs of legal claims made against a business.
 
Without liability insurance, a business that has to pay the costs of a claim or lawsuit out-of-pocket may not have the financial means to survive. Insurance for business can also protect businesses from the financial risks of property loss. The costs of repairing or replacing physical property after fire, theft, vandalism and more could be devastating without a commercial property insurance policy helping cover the costs. Without insurance, companies that incur costs as a result of common business exposures like: property damage; legal claims by third parties; and work-related employee illness and injury, may not be able to afford to stay in business.
 What Business Insurance Do I Need?Most businesses need at least commercial insurance, general liability and business income coverage to help protect their company’s property, income and financial assets. For small businesses, a business owner’s policy can provide all three coverages in a single policy.
 

• Commercial property insurance – Most businesses own a substantial amount of physical property. This property may include one or multiple locations as well as tools, computers, inventory and even accounts receivable. Commercial property insurance can help cover the loss of these assets if they are damaged or destroyed by a covered event.
• General liability insurance – No matter how cautious business owners are, accidents can happen. For example, a customer may accidentally get hurt in a company’s store, or employees may accidentally damage customer property while working on-site. Liability insurance can help protect businesses from the risk of liability claims such as bodily injury, property damage or even advertising mistakes.
• Business income insurance – Businesses rely on many types of property to function and generate income. If a business owner must suspend operations due to a covered loss like a fire or theft, business income insurance can help replace income lost as a result. This can help them continue to meet obligations like payroll and rent.

Depending on your industry and the nature of your operation, you can customize coverage to help address unique risks by choosing from a broad variety of additional commercial coverages. Beyond the standard coverages, Casablanca Insurance also offers many other types of insurance for businesses – each designed to help protect businesses against a specific exposure they face.
 
Get a fast & free business insurance quote today.
 Types of Business InsuranceThe types of business insurance coverages that most businesses start with include general liability (GL), commercial property, and business income insurance. Workers’ compensation insurance is usually needed if you have employees. General liability helps cover the costs if your business is responsible for damages to a third party, property insurance helps cover costs of damage to your premises and other physical assets. Business income insurance helps replace lost income if your business is forced to shut down due to a covered loss and Workers’ Comp helps cover employees who suffer a work related injury or illness.
 
Your business is unique and deserves an insurance solution appropriate to the specific risks you face. That’s why The Casablanca Insurance offers a wide range of commercial insurance coverages so you can customize your insurance with the right combination of policies and endorsements to address your unique needs. Some popular coverages include:
 

• Data breach insurance – Most businesses are at risk of data breaches. Data breach coverage can help cover the costs of responding to and managing a data breach. With data breach coverage from Casablanca Insurance, businesses can even access support services to assist them in creating policies and best practices that help prevent breaches from happening in the first place.
• Workers' compensation insurance – In the event that an employee suffers from a workplace injury or illness, workers’ compensation insurance from Casablanca Insurance can help pay for the associated medical expenses as well as compensate the employee for lost wages while they are recovering from a work related injury or illness. If you have employees, many states require this coverage.

The cost of a typical California policy has risen by 6.3 percent in the past year — the nation’s No. 2 jump — part of the five-year rise totaling 44 percent and No. 7 among the states.

Will it make you feel any better if you knew that this typical insurance bill — $1,713 for a 30-year-old male driving a 2013 Honda Civic — is only the ninth-highest in the nation, according to a study by The Zebra online insurance tracker? (Most expensive: Michigan, at $2,610. Cheapest? North Carolina, at $865!)
Look, auto insurance rates are up across the nation. The typical $1,427 policy grew by 2 percent in 2017 and is up 20 percent from 2011.

And there’s a pretty good reason for it. Insurance Companies are trying to fill a financial hole they created, in good part, by not charging enough previously. Industry tracker A.M. Best estimates U.S. Insurance Companies lost $36 billion in the past two years on all Auto, Home, and/or Commercial Insurance Policies.
No, this isn’t totally corporate greed. Insurance Companies’ desires to make a profit insuring people is part of the logic behind the rate hikes. The industry is getting financially hammered by a growing number of accidents creating record losses for many Insurance Companies.

Here are the Six Reasons why Californian’s Insurance Rates will be going up:
1. You’re working! Congrats on the new gig. But more jobs, more commuting, more chances for accidents.
2. You’re thrifty! Cheaper gasoline (remember when it was $4 plus) makes driving more affordable. So do all those super-efficient “green” vehicles. Again, more driving.
3. You’re distracted! If it isn’t the latte or burger juices spilling … it’s your smartphone or the high-tech displays that are taking your eyes off the road. Even more chances for accidents.
4. You’re buying fancy cars! All those new gadgets supposedly make you safer. Unfortunately, they’re also pricier to fix when your extra driving leads to extra accidents.
5. You’re costlier to fix! Car crashes mean your auto insurer picks up the tab for medical bills. And if you haven’t heard, it’s more expensive to be cured … much more expensive.
6. You’re paying for climate change! You know all those unusual natural disasters? Fires in California, hurricanes, snow and floods elsewhere? Guess who eventually pays to replace all those vehicles?

And The Zebra’s report shows how much your mistakes will cost you in average premium increases: A ticket for not wearing a seatbelt ups your policy cost by 4 percent; speeding (6-to-20 miles per hour over the limit), a 21 percent hike; at-fault accident, a 40 percent hike; caught driving-under-the-influence, a 77 percent hike; and guilty of hit-and-run, an 85 percent hike.

I don’t want to sound too much like a dad, but please be safe out there. Not just for your life but for your wallet too.
​
Collectively, safer driving would save all of us from the upcoming insurance increases.

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Health insurance may have once been an optional form of financial protection, but today’s costs make insurance practically mandatory. With the average American spending $10,000 a year on medical expenses, a monthly premium for health insurance is far more affordable than out-of-pocket payments. However, it’s far too easy for a job loss or divorce to leave you with no health insurance and no idea of where to get it. It’s true that there’s an open enrollment period at the end of each year for the following year, but you’re not out of luck just because you happen to lose your coverage at the wrong time. One of the major parts of the last health care reform bill established pathways to getting insurance regardless of when or why you need it. The path to finding affordable health insurance as soon as possible requires different actions depending on why you lost your former coverage. Determine the cause, and then take the following actions at your earliest convenience to avoid a costly gap in coverage.

Lost Due to Losing Your Job
Loss of a job that offers health insurance as a benefit is the single most common reason people find themselves with an interruption in coverage. Even if you know you’re going to be laid off, it’s easy to forget about insurance while you’re dealing with other more pressing issues. Most people in this situation need short term health insurance to bridge the gap until they find another position with its own benefits package. Each employer follows the enrollment process as well, so getting a job outside of the enrollment period for health insurance means you may have to wait up to a year before your new employer’s policy covers you.
Regardless of whether you are fired, laid off, or quit voluntarily, your last day of employment is also the last date of your health insurance coverage through that employer unless your employer has a contract stating otherwise. Even if you paid a month’s premium just the day before, this may leave you immediately without coverage in the case of on-the-spot firing. All employees who previously had an employer’s insurance can sign up for COBRA coverage. This is a federally operated program to continue coverage seamlessly until you can find your own policy or another job. However, you are responsible for paying the entire premium yourself with this coverage. You can stay on COBRA for up to 18 months to give yourself time to find a self-paid plan through the health marketplace or for your new benefits to kick in.

Lost Due to Divorce
The end of a relationship also means the end of insurance coverage if you were on a spouse’s plan. You’re entitled to keep any policies held separately in your name, but joint insurance is legally mandated to be dissolved after a divorce. Even if you stay friends with your ex-spouse, they can’t legally have you on their insurance policies any longer.
COBRA comes to the rescue again in these situations. If you wish to stay on the same policy, you can pay for it through COBRA for up to 36 months. You can also talk to your employer about transitioning onto their plan if you previously turned it down, or enroll through the marketplace. Divorce is one of the many major life changes that qualify you to use the marketplace outside of the usual enrollment period, so take advantage of that allowance to shop around.

Lost Due to Cancellation
It’s very rare, but sometimes insurance companies cancel their services to an entire state. This is known as cancellation and it has to come at the end of a 12 month agreement after a 90 day written notice. The insurance company must offer to sign you up for any of their other plans offered in your state, and you also have the right to check the marketplace for new policies from any insurer at that time. Very few people experience this kind of cancellation, but it is expected to increase in the next few years due to uncertainties in health insurance regulations.

Online insurance shopping is great, but it doesn’t compare to working with an experienced insurance broker. We can help you with both types of insurance shopping here at Casablanca Insurance. Contact Casablanca Insurance by dialing 909-766-0049 to schedule an appointment and compare insurance rates and get more information.