In observance of the Thanksgiving holiday our office hours will be as follows:
Wednesday, November 26th the office will close at 3:00 PM
Thursday, November 27th the office will be closed
Friday, November 28th the office will be closed
We will return to regular office hours (8:30 to 4:30) on Monday, December 1st
Visit our website at www.pinnacle4ins.com
Wednesday, November 26, 2014
Thursday, August 28, 2014
Ever wonder about the history behind Labor Day? Sure it serves as a painful reminder that the summer is pretty much over, the pools are closing, and football is starting, but where did this day off actually come from?
Well according to Wikipedia, "It is a celebration of the American labor movement and is dedicated to the social and economic achievements of workers. It constitutes a yearly national tribute to the contributions workers have made to the strength, prosperity, and well-being of their country.
Labor Day was promoted by the Central Labor Union and the Knights of Labor, who organized the first parade in New York City. After the Haymarket Massacre, which occurred in Chicago on May 4, 1886, U.S. President Grover Cleveland feared that commemorating Labor Day on May 1 could become an opportunity to commemorate the affair. Thus, in 1887, it was established as an official holiday in September to support the Labor Day that the Knights favored."
So basically long story short it's an excuse for a day off & here are our holiday hours:
Friday August 29th: Office will close at 3:00 pm
Monday September 1st: Office closed in honor of the Holiday
Tuesday, September 2nd: Regular office hours resumed
(8:30 am to 4:30 pm)
Best wishes on a wonderful holiday weekend and if we can be of any service please call us at 412-816-1000 or visit us online at www.pinnacle4ins.com.
Wednesday, July 23, 2014
Cooking out on the grill & the summer months go hand in hand. With that said it seems like the perfect time for us at Pinnacle Insurance to pass along some safety tips to ensure a summer of grilling that doesn't include a trip to the emergency room. Here are some do's and don'ts we found online at the National Fire Protection Association when it comes to grilling:
- There are several ways to get the charcoal ready to use. Charcoal chimney starters allow you to start the charcoal using newspaper as a fuel.
- If you use a starter fluid, use only charcoal starter fluid. Never add charcoal fluid or any other flammable liquids to the fire.
- Keep charcoal fluid out of the reach of children and away from heat sources.
- There are also electric charcoal starters, which do not use fire. Be sure to use an extension cord for outdoor use.
- When you are finished grilling, let the coals completely cool before disposing in a metal container.
Propane grillsCheck the gas tank hose for leaks before using it for the first time each year. Apply a light soap and water solution to the hose. A propane leak will release bubbles. If your grill has a gas leak, by smell or the soapy bubble test, and there is no flame, turn off the gas tank and grill. If the leak stops, get the grill serviced by a professional before using it again. If the leak does not stop, call the fire department. If you smell gas while cooking, immediately get away from the grill and call the fire department. Do not move the grill.
OverallWe wish everyone a great summer and hope you enjoy vacations, picnics and plenty of meals on the grill. Feel free to share your summer recipes in the comment section too.
Give us a call at 412-816-1000 or visit us online at www.pinnacle4ins.com for any insurance needs we can assist you with.
Tuesday, July 1, 2014
4th of July Office Hours:
Thursday, July 3rd: Office will close at 3:00 pm
Friday, July 4th: Office closed in honor of the Holiday
Monday, July 6th: Regular office hours resumed
(8:30 am to 4:30 pm)
Best wishes for a safe and enjoyable 4th of July weekend from Pinnacle Insurance. Give us a call at 412-816-1000 or visit us online at www.pinnacle4ins.com for any insurance needs we can assist you with.
Wednesday, May 21, 2014
Memorial Day Office Hours:
Friday, May 23rd Office will close at 3:00 pm
Monday, May 26th Office closed in honor of the Holiday
Tuesday, May 27th Regular office hours resumed
(8:30 am to 4:30 pm)
Best wishes for a safe and enjoyable Memorial Day weekend from Pinnacle Insurance. Give us a call at 412-816-1000 or visit us online at www.pinnacle4ins.com for any insurance needs we can assist you with.
Tuesday, April 15, 2014
Easter Holiday Office Hours:
Thursday, April 17th Office will close at 3:00 pm
Friday, April 18th Office closed for Good Friday
Monday, April 21st Regular office hours resumed
(8:30 am to 4:30 pm)
Emergency calls during the holiday period will be accepted by Pinnacle Insurance at 412-816-1000. Best wishes for a safe and enjoyable weekend from Pinnacle Insurance and visit us at www.pinnacle4ins.com
Thursday, April 3, 2014
Friday, March 21, 2014
Ridesharing companies use mobile apps to connect passengers with drivers using their personal cars to compete with taxi cab companies. These companies have begun negotiations with the city to offer their services in Pittsburgh. Uber and Lfyt are two of the more popular ones on the road thus far and both have launced their respective services just recently. It turns out those mustaches on the front bumpers of cars around the area are more than just a fad gone wrong.
Unfortunately, the way that personal auto insurance policies are currently written, coverage may be voided for most of the drivers hired by theses services. Following is the exclusion found in most personal automobile insurance policies:
Any insured's liability arising out of the ownership or operation of a vehicle while it is being used as public or livery conveyance. This exclusion (A.5.) does not apply to a share-the-expense car pool.
For a ridesharing driver to be covered properly, a commercial auto policy would need to be purchased due to the large liability exposure. Please note that a commercial policy would be extremely expensive and not readily available in Pittsburgh's insurance marketplace.
Most major ridesharing services carry their own commercial auto insurance which offers limited liability coverage to passengers, other vehicles & pedestrians. The ridesharing company's policy is intended to respond when drivers are en route to pick up a ridesharing client or have one in the car. This policy would not cover the drivers when they are in between fares. It is not clear if the ridesharing company's policy would cover damage to one of their driver's cars. Potentially, there could be a lot of uninsured drivers on the road. Even if you don't use one of these services you might want to call our office and check on your un and underinsured limits in the case you get into an accident with a ride sharing vehicle.
Until personal automobile insurance carriers begin to offer policies that address new exposures such as ridesharing, be extremely guarded when considering ridesharing as an occupation. This may not be a good way to earn a second income. Pizza delivery drivers face a similar issue. There is a hidden exclusion in a delivery person’s personal auto insurance policy that states, "all coverage is excluded for any insured using vehicle while employed in the pickup or delivery of newspapers or magazines, food or any products for the purpose of compensation". At a time of loss an insurance adjuster has the ability to deny coverage due to this exclusion in the policy. The same type of thing could be a possibility for ride sharing drivers so you want to check with your auto insurance carrier and the company you are thinking of being a part of before becoming a driver.
As this is an ever changing new marketplace its best to keep up to date on how these companies are covered and know what risks you might be taking as an individual by being a passenger or a driver. It's an exciting service that brings what seems to be a need for more cab service to the area, we just want you to be fully aware that there may be gaps in coverage from an insurance standpoint.
Please feel free to call us at Pinnacle Insurance at 412-816-1000 if you have questions or feel we can be of service. www.pinnacle4ins.com
Tuesday, February 4, 2014
With Valentine's Day just around the corner now is the perfect time of year to make sure any new jewelry you buy for your loved ones (or already have) is properly insured. Unfortunately, most people aren’t aware that homeowners and renters insurance policies have sub limits (limited coverage) for Jewelry, Cameras, Guns, Silverware, Furs, Fine Arts, Coin & Stamp Collectables, Musical Instruments, Sporting Equipment, Computer & Electronic Equipment. The coverage limits can range from $ 1,000 to $ 2,500. This means in many cases you are underinsured for these items.
In order to properly insure these items they need to be scheduled on your homeowners or renters insurance policy. Normally, an appraisal or sales receipt is required to add items on to you homeowners policy. By scheduling your jewelry (or other valuables) you can rest assured that your most important and treasured items are covered for their actual value in the case of a loss or mysterious disappearance . As always, if you have questions or feel we can be of service, call Pinnacle Insurance at 412-816-1000. www.pinnacle4ins.com