Overflow Of Drainage System Not A Separate Peril From Flood Or Surface Water

National Fire Insurance Company of Hartford (National Fire) insured Northwest Bedding Co. (Northwest) under an all-risk commercial property policy. It covered Northwest’s buildings and business personal property against “direct physical loss of or damage to Covered Property…caused by or resulting from any Covered Cause Of Loss. The Spokane, ‘ area experienced heavy snowfall during the …

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Ethan's Blog » Court Cases

Damage To Building From Soil Erosion Away From Body Of Water

A manufacturer of ship propellers made claim under flood insurance, obtained under the National Flood Insurance Program (NFIP), for damage to one of its buildings allegedly caused by flood-related soil erosion. The insured asserted that ” . . . floodwaters from heavy northeastern storms spilled over into the insured property, saturated the foundation soils and …

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Ethan's Blog » Court Cases

Accident Caused By Driver Not Reported To Insurer Not Covered

An accident in November 2006 involved two vehicles. Joel Mons drove the vehicle that Galloway Heavy Hauling, Inc. (Galloway) owned. Telemundo Television Studios, LLC (Telemundo) owned the other. After the accident, Telemundo filed a claim with Aequicap Insurance Company (Aequicap), Galloway’s automobile insurer. Aequicap brought an action for declaratory judgment that sought to establish that …

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Ethan's Blog » Court Cases

Landslide Is Not Construction Defect

This is a commercial property insurance lawsuit and court case, “Landslide Is Not Construction Defect“. Jim Roberts and Elisa Le (Roberts and Le) noticed cracks in the foundation of a home being built from them on a plot of land on a steep slope in Anaheim, California. The cracks worsened and then a landslide occurred …

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Ethan's Blog » Court Cases

Logan william

11:36 10 May 18

Ethan does a great job. I called him based on a vendors referral, and he worked very fast to get my business a general liability and commercial auto quote. The coverage met my needs and the price less than we were expecting. His attention to detail and ability to listen to our specific needs, allowed him to find the right policy for our business with more coverage at less premium! Very impressed, cannot recommend highly enough.read more

Josiah Bruce

18:22 21 May 18

Highly recommended! Great service and great rates. I like dealing with an insurance broker that actually cares about you and will go the extra mile to make sure your satisfied. Ethan is great to work with – he is direct, moves fast and knows his stuff.read more

Brenda Garcia

10:03 17 May 18

EK Insurance has provided us with outstanding service. They have answered every insurance question with complete and comprehensive answers. They provided us with many options to customize our commercial insurance policies to best fit our needs. Ethan has been prompt in his replies by responding through texts, phone calls and emails. We will recommend other business to contact Ethan in the future for their business insurance needs.read more

Amy Sachs

23:44 27 Aug 18

Ethan is pleasant to work with, efficient and quick to respond to questions. The process for obtaining my new liability policy was much more streamlined than other carriers/agents I've used in the past.read more

Tracy Joash

15:52 20 May 18

I enjoyed working with Ethan from EK Insurance. I was in a tight spot and needed commercial insurance for my business in a very timely manner to get a job. I doubted it could be done fast enough, but he had certificate of insurance in my with time to spare for me to get all my contract! This deal was worth a lot of revenue to my company and I could not have got it without Ethan’s help. Since then Ethan has been available when I need advice and explaining anything I need or answering any questions as my business insurance needs grow. Thanks Ethan!read more

Martin Herbert

12:56 29 May 18

What a great experience. They gave me several options with different companies and coverage amounts and did an stellar job explaining the differences. Most brokers try sell you the policies that they make the most commission on. I was able to get a great policy that was within my insurance budget.read more