- Auto InsuranceOwning a classic car, whether it’s a muscle car, hot rod, or vintage military vehicle, is like keeping a piece of history in your garage. It’s an investment in a particular era of time. And that investment needs protecting. As such, there are some things to keep in mind when considering Classic Car insurance.
- Motorcycle InsuranceHitting the open road on a motorcycle for a day of adventure, either alone or with friends, is a feeling like no other. Whether you’re going for a road trip on a touring bike or just tooling around town on a scooter, motorcycling is inherently risky. Motorcycle insurance can help protect you and others should you have an accident while riding. Many of the coverages available on a Motorcycle policy are similar to those on an Auto policy (Liability, Collision, Comprehensive, etc). But there are also some coverages specific to Motorcycle insurance that are worth considering...
- Boat InsuranceHeading out on the water can be a relaxing way to spend time with family and friends. Boat insurance can help protect not only your vessel but also protect you should someone get injured while you’re operating your boat. There are several different types of coverages that you can purchase with a boat insurance policy...
- RV InsuranceThe type of RV that you own and the way that you’re using that RV will determine what RV insurance coverages that you need. For Towable RVs and Motorized RVs, many of the same coverages available on your Auto policy would be available for your RV policy. These include Liability, Collision and Comprehensive coverages. But for Park Models and for some Class A RVs, coverages more in line with your Homeowners policy would be recommended. Some of these extra RV coverages include...
- Truck InsuranceThere are two types of liability coverages to consider when purchasing a Commercial Truck insurance policy. The first is primary liability which covers the damages caused by your truck. If you or one of your drivers is responsible for an accident then primary liability will cover any injuries or property damage. However, that still leaves the business open to any lawsuits resulting from that accident. General liability coverage will ensure that legal costs are covered should you need to defend the business from litigation. This coverage will also provides protection should a driver cause damage at a delivery site. It’s recommended to include both primary liability and general liability coverages when purchasing a Commercial Truck insurance policy.
- Renters InsuranceMany renters feel that they don’t need to get Renters insurance. Some feel that the insurance that their landlord has will cover any losses (which isn’t true). Others feel that their personal items aren’t worth insuring. But regardless of the reason, Renters insurance is an inexpensive way to protect your belongings. Some things to think about when considering a Renters insurance policy include the following...
- Home InsuranceAll homeowner insurance policies aren’t created equally. Let’s take a closer look at some things to consider when shopping for your home insurance policy.
- Condo InsurancePurchasing a condominium is a great way to have a sense of ownership without many of the hassles associated with owning a home. Although the Condominium Association of a condominium complex will often take responsibility for the landscaping, roof, and exterior walls of a unit, condo owners are still responsible for the interior and for their personal belongings. Condo insurance, also known as an HO-6 policy, is the best way to make sure your belongings are protected from damage or theft. It will also protect the owner from liability claims should someone get injured while visiting. Some things to think about when considering a Condo insurance policy include the following...
- Landlord InsuranceSimilar to a Homeowner policy, Landlord insurance provides property damage coverage to insure your residence. There are several different types of property damage coverage. To get the full amount of your property insured without the risk of depreciation, ask for a Guaranteed Replacement Cost policy. It’s often slightly more expensive than an Actual Cash Value policy, but it will guarantee that you’ll be returned to pre-loss condition should you have a total loss of the property.
- Health InsuranceMedical Payments coverage, also known as Medpay, can help pay for injuries of drivers or passengers regardless of fault. It’s often an affordable supplement to your medical insurance.
- Business InsuranceWhether you own a small business or a large one, the benefits of business insurance are numerous. And many business owners don’t take the time to assess their insurance needs.
- Commercial Property InsuranceIf your business owns any commercial real estate or other business use property, it is imperative that you have commercial property insurance. Commercial property insurance provides coverage for buildings, inventory, equipment, tools and more. Losses that can be covered range from fires to vandalism or natural disasters.
- Workers Compensation Insurance“A Commercial Auto policy will cover any medical expenses for my drivers if they get into an accident”: The Liability coverage that’s included in all Commercial Auto policies covers the injuries and damages that your driver may cause in an accident. It doesn’t, however, cover your drivers specifically. A Workers Compensation policy would be required to cover any injuries sustained by your drivers when operating a business vehicle.
- Commercial Liability InsuranceUmbrella liability insurance for your business will protect you when a covered claim occurs and your existing liability policy cannot cover all the expenses. Your standard business liability will typically be adequate for most situations, but umbrella liability will help ensure that your business is protected for large losses. Owning a business is risky, but going without proper insurance is riskier. No one wants to be sued, but because accidents occur, sometimes lawsuits are unavoidable.
- Professional Liability Insurance“I purchased Professional Liability insurance so I don’t need a General Liability policy: Oftentimes, Professional Liability insurance and General Liability insurance are used interchangeably. But there is one key difference between these types of insurance policies and it deals with the type of business that you own. General Liability typically protects against physical damage to either a person or property. Professional Liability, on the other hand, typically protects against damages that your business causes as a result of the services provided. So say, for example, your accounting business fails to file the proper tax documentation for a client. Professional Liability, also known as Errors and Omissions (E&O) insurance, would protect your business from litigation or would pay the fees resulting from the oversight. In some instances, both a Professional Liability policy and a General Liability policy are necessary to fully protect your business.
- Liability InsuranceYour enterprise could be at significant risk if you don’t have insurance that covers the legal fees, court costs, and any unfavorable judgments resulting from litigation. And that’s why General Liability insurance can be so important for any type of business, regardless of its size.
- Flood InsuranceRegardless of whether you live in a high risk area for flooding, if you’re a homeowner you should consider purchasing Flood insurance.