What is the value of having a disability insurance plan?

Those in the Scottsdale, AZ area will want to ensure they are adequately insured. One form of personal insurance everyone needs to consider getting is disability insurance coverage. This is an important form of coverage that benefits people if they become disabled and can no longer work. Various benefits come with having a proper disability insurance plan in place. 

Receive Compensation if Disabled

One of the primary advantages of having a disability insurance plan is that you will receive compensation if you become disabled. A disability insurance policy can be created and customized to meet your needs. Generally, you can build a policy that will provide you with a monthly income in the event you become disabled and are no longer able to work and earn the same level of income. There are both long-term and short-term disability policies available. 


Another reason for having this insurance is that it will offer peace of mind. Even if you are healthy and careful today, there is always a chance you could get injured or ill, which could affect your ability to work in the future. If you have this coverage, you will know that you are prepared for this risk, which can provide peace of mind. 

Having a disability insurance plan is always a good idea if you are in the Scottsdale, AZ area. Ultimately, this type of coverage is helpful during otherwise difficult times. If you want this type of insurance here, it would be wise to call Alliance Insurance Partners. The team with the Alliance Insurance Partners will give you the support you need to build a proper plan. This will help ensure you remain fully covered and can offset this risk. 

What if a Motorcycle Accident Was Not Your Fault?

Motorcycle riders in Scottsdale, AZ are required by law to obtain motorcycle insurance with a minimum of $25,000 for medical expenses per individual, $50,000 per wreck, and $15,000 in property damage. Full coverage is not mandated but can be enforced by your lender. Arizona is an at-fault state, so when you are in a wreck that someone else causes, it is up to their carrier to provide for your expenses.

What if a Motorcycle Accident Was Not Your Fault?

Arizona drivers operate under a legal principle called comparative negligence, and this relates to the task of determining who is at fault for the collision. The at-fault person is responsible for damages, but sometimes this liability is divided. It means that a plaintiff may share negligence with the other party. 

For example, if you are determined to be 70% negligent, you are entitled to 30% of the costs from the driver who bears that corresponding percentage of the blame. Certain factors make it easier to determine fault, such as if the other driver was intoxicated, ran a red light or stop sign, or was speeding excessively. 

Feel free to discuss the particulars with your Alliance Insurance Partners representative, such as whether a lack of protective gear will determine the financial outcome. For those under 18, helmets are required, and failure to comply can render the other driver faultless for injuries sustained in this manner. 

A common experience with motorcycle riders is being forced off the road by someone in a car, and this type of accident is referred to as a phantom vehicle wreck. This falls under uninsured motorist insurance, since you cannot collect from the driver, and is a type of protection you may want to consider. 

Get The Right Coverage Today

Alliance Insurance Partners serves the Scottsdale, AZ region, ensuring quality indemnification products to give our clients peace of mind. Reach out to us today by phone, online, or stop by the office, and we look forward to meeting your needs. 

Protect your retail store from slip and fall lawsuits with an umbrella policy

Alliance Insurance Partners provides commercial insurance to the greater Scottsdale, AZ business community. If you have questions about insurance and umbrella policy protection for your company, we are here to help. Contact our office today and let us help you find the most appropriate coverage for your business needs.

How umbrella policies can help to protect your retail store from slip and fall lawsuits

No one wants to deal with frivolous lawsuits, especially those of the slip and fall variety. Retail shop owners or public-facing businesses can typically benefit from the liability protection provided by umbrella insurance policies. 

Liability coverage provided by primary commercial policies is typically finite; once a policy’s coverage limit is reached, any losses become the policyholder’s responsibility. Fortunately, when an umbrella policy is in place, it will become active once a primary policy has reached its coverage limit.

Because slips and falls can be frequent, it only makes sense to have additional liability protection in place for your business. This additional coverage can protect from liability damages that exceed a business’s primary policy limits. If you don’t currently have umbrella protection in place, now is an excellent time to find out more about this type of commercial policy. Maintaining a successful business takes a lot of hard work and dedication, and it only makes sense to protect those efforts.

Protect your retail store with an umbrella policy

Retail store owners in Scottsdale, AZ, and the surrounding areas can turn to the team at Alliance Insurance Partners for help with commercial insurance and umbrella policies. Schedule a consultation today to learn more about this necessary coverage!

What Does Flood Insurance Cover?

Flood insurance is critical to many properties in the Scottsdale, AZ area. With flood insurance, what can you expect in terms of coverage? What does flood insurance cover, and what can you expect to be made whole for in the event of a loss? The purchase of flood insurance in Scottsdale, AZ will help protect the value of items in which you take great value. The team at Alliance Insurance Partners helps customers daily better understand insurance coverage.

What Does Flood Insurance Cover?

The primary thing you will get as part of a flood insurance policy is building and content coverage. This will protect the structure as well as the belongings inside of it. Some things you will get coverage for as part of a flood insurance policy include many things inside the building. Some of the items inside the building you get coverage for include:

  • Electrical and plumbing systems
  • Furnaces
  • Water heaters
  • Cabinets, paneling, and appliances are all permanently installed
  • Foundations
  • Garages
  • Walls, staircases, as well as entryways
  • Energy equipment, including pumps, solar panels, and more

When it comes to content coverage, this will be inclusive of everything inside of the structure up to a certain dollar amount. The coverage will help reimburse you up to the limits on your policy after backing out the deductible.  


The Alliance Insurance Partners team helps Scottsdale, AZ owners of businesses and homes make great decisions regarding flood insurance. The first piece of the puzzle is to understand what you will get when it comes to coverage. The more you are aware of what flood insurance covers, the better a decision you will make when buying the policy. 

Do I have to have condo insurance if the condo board carries a policy?

Alliance Insurance Partners is here to help residents in the greater Scottsdale, AZ area with all of their insurance needs. Condo insurance can be tricky as many people aren’t sure exactly what type of protection they need. Don’t worry; we are here to help! Call us today with any questions that you may have about condos or any type of insurance.  

You need your own condo insurance policy.

While it is true that your condo board will have an insurance policy in place, it is doubtful that the policy will provide individual unit owners with any protection.

The insurance policy that your board or COA carries will cover things like the overall structure, common areas, major equipment like the air conditioner fans on the roof, and liability protection.

These policies will not provide any protection if an incident or damage should occur in your unit. This is why it is required for unit owners to carry out their own policies. And, if you financed the purchase of your condo unit, your lender will likely have a required level of insurance coverage that must be in place.

You will want your own protection regarding liability and damage and loss protection. Unit owners are responsible for any loss that may occur in their units, and the building policy will not cover related expenses.

We are here to answer any insurance questions you may have!

If you live in the Scottsdale, AZ area and have questions about condo insurance, you can rely on Alliance Insurance Partners. We are here to answer any insurance-related questions that you may have. Contact our office today to schedule an appointment to find out more.

What Are The Drawbacks of Life Insurance?

Getting life insurance is one the biggest gestures that you care about the well-being of your loved ones even after you pass away. If you are your family’s chief breadwinner getting life insurance means they will continue to enjoy the quality life they have now after you die. This is why at Alliance Insurance Partners, we encourage every resident of Scottsdale, AZ, to get life insurance. However, here are some drawbacks of life insurance that you need to be aware of;

1. Older Patients Pay Very High Premiums

When getting life insurance, the older you are, the higher your premiums will be. This is because the likelihood of death increases the older you get. The high premiums for older people put a massive burden on the elderly population seeking life insurance. You can avoid the high premiums by getting your life insurance when you are younger.

2. Calculating the Returns Is Difficult 

Calculating returns on life insurance policies is challenging because the returns are influenced by market performance and conditions.

3. Complex Policies

Life insurance policies can be tricky to grasp without the help of an insurance professional. There are different policies with different features that appear to be the same. Therefore, it’s easy to get confused and pick a policy that’s not what you need. This is why Alliance Insurance Partners always provides insurance professionals to help our clients figure out the best life insurance policies for their needs.

4. Awareness of Hidden Clauses and Exclusions

Most financial products in the market have hidden clauses and exclusions. It’s vital that you figure out the hidden clauses and exclusions in your life insurance policy before you purchase it. For example, most insurers exclude compensation for death due to involvement in criminal activities and drug overdose and have one year compensation wait period for suicide deaths.

Are you looking for a reputable life insurance policy provider in Scottsdale, AZ? Call Alliance Insurance Partners today.

Insurance protection basics for Scottsdale homeowners

Alliance Insurance Partners is here to help the residents of the greater Scottsdale, AZ area protect their homes. If you want to learn more about how a comprehensive homeowner’s policy can help keep your home safe, call us today.

Know the basics about homeowner’s insurance

Protecting your home from catastrophe is an integral part of being a responsible homeowner. If you are concerned that you may not have the right policy protecting your home, now is the time to make changes. As time goes on, your insurance needs will change. Changes and improvements will be made to your home, market home values will fluctuate, and you may make additional purchases that require a higher level of protection.

One of the critical considerations is if your primary home insurance policy is sufficient. Several different common policy exclusions can affect the protection of your home. You may need to consider adding supplemental policies to your overall insurance portfolio to get the complete coverage you desire.

Making sure that your home is protected does not need to be complicated. And, if you work together with a local agent, it is even easier. Once you know your coverage needs, finding the most appropriate home insurance policy is less stressful. Let us help you ensure that you have the right policy for your needs.

Find out more today!

Homeowners in the greater Scottsdale, AZ area can rely on Alliance Insurance Partners for home insurance. We provide a full range of insurance products and are here to help our community. If you have questions about home insurance, we are here to help. Give us a call or stop by our office today.

Review your home policy to ensure you have the right coverage

Alliance Insurance Partners is here for the greater Scottsdale, AZ area. If you have questions about insurance, we have answers. There are several different ways that insurance can help you protect your home, and we are here to help you find the right solution for your needs. Give us a call today.

Is it time to review your home policy?

Taking the time to review your home policy at least once a year can help you avoid any coverage gaps. It can often be too easy to keep renewing the same coverage time after time without looking closely at the policy. If it’s time for you to review your policy, make sure to take the time necessary to double-check that it provides the coverage that you need.

Your home’s value will likely change over time, and you may need to alter your coverage amount if the change is significant. And, if you’ve done any improvement work on your home, you will want to make sure that you increase your policy amount accordingly.

There are many different ways your insurance needs can change, and not all of them are straightforward. If you’ve had the same coverage for a while, it may be time to sit down with an agent for a comprehensive review. This can ensure that you have the right protection!

Have questions about home insurance? We can help!

If you are a resident in the greater Scottsdale, AZ area, we want to help with your insurance needs. Alliance Insurance Partners is a reliable partner who can help you find the insurance solutions that best meet your needs. Call or stop by today and let us help you!

What to Look for in an Auto Insurance Policy

When it comes to auto insurance, there are many things to take into account. It can be difficult to know what type of policy is right for you and even more difficult to find the right company to provide that policy. But don’t worry. In this post, we’ll outline some of the most important factors you need to consider when looking for auto insurance, as well as some tips on how to find the best policy for your needs.

1. Minimum Coverage Required by Law

Every state has different requirements for auto insurance coverage. In most cases, you need to have your policy meet or exceed the minimums required by law. However, you should never assume that meeting the bare minimum is best. It’s always a good idea to talk with an insurance agent about how much coverage you really need and what additional coverage might be able to protect you better.

2. The Deductible

The deductible is the amount of money you pay out-of-pocket before your policy kicks in and starts paying for damages or injuries caused by an accident, theft, or another covered event. Your deductible is an important part of your policy because it’s what you’re responsible for if something should happen.

3. The Coverage Details

Of course, not only should you know what your policy covers, but it’s important to know all of the details about each type of coverage included in your policy. This is crucial to know exactly what you’re getting and if it’s the right protection for you. Whether it’s collision coverage, comprehensive coverage, or uninsured motorist protection, being familiar with these details can help you better use the insurance policy once a covered event takes place.

There are many different things to consider when looking for auto insurance. Finding the right policy can be difficult, but understanding some of the most important aspects can go a long way in helping you find what’s right for you. Looking for auto insurance in Scottsdale, AZ? Alliance Insurance Partners is here to help you. Give us a call today for a free quote.

Disability Insurance FAQs

At Alliance Insurance Partners, we usually receive numerous queries about disability insurance from our Scottsdale, AZ clients. Today, we have prepared a FAQs section to shed more light on this coverage. Please scroll through to learn more about disability insurance. And if your question isn’t captured, please don’t hesitate to contact our office for clarification.

What is disability insurance?

It’s coverage that protects you when you can’t earn an income due to injury or illness. It’s designed to cover your income when you can’t make a living due to an illness or sickness. This coverage is crucial because you are more likely to become disabled than die when working!

When am I considered disabled?

The definition of disability may differ depending on the plan you are registered for. Some policies define disability as the inability to earn an income due to illness and injury. Others define disability as the inability to perform your duties given your experience, training, and education.

When do the benefits start?

After you are deemed disabled, benefits start trickling in after the waiting period has lapsed. Typical long-term disability plans have a waiting period of between 90 and 180 days, but for the group plan, the employer chooses the waiting period.

What are the different disability insurance plans?
Disability insurance isn’t a one-size-fits-all insurance plan. There are several types of disability plans. These include

  • Individual disability plans
  • Group disability policies provided by employers
  • Short-term disability plans for a period of 24 months and below
  • Long-term disability policies that take effect up to age 65

Above is just a snapshot of frequently asked questions about disability insurance. If you have more questions, please get in touch with a knowledgeable insurance agent.

How can I purchase disability insurance?

If you are in Scottsdale, AZ and its environs, you don’t have to sweat it out looking for disability insurance. Please contact Alliance Insurance Partners to learn more about disability insurance. We also provide different disability policies to cater to your individual needs.