Archives: January 2020

How Garage Insurance Can Protect Your Mechanic Business

Garage insurance is designed to protect garage owners against different types of liability. Any business that involves working on or around vehicles needs this type of insurance, particularly a mechanic business. Our knowledgeable agent can advise you on the garage insurance your mechanic business needs and help you find the best available rates. What Is Garage Insurance? Garage insurance is specialized general liability insurance for...

How Is Condo Insurance Different From Homeowners Insurance?

Whether the space you live in is a condo or a house, if you own your own home, you need insurance. Property owners are responsible not only for what happens to their property, but also for what happens to visitors on the premises. However, a condo is not the same type of structure as a house, and there are key differences between homeowners insurance and...

Do I Need Specialty Disaster Insurance If I Already Have Commercial Property Insurance?

Every business needs commercial property insurance. It protects your building and property inside the building, as well as fences, outdoor signs, and other exterior fixtures. But if you live in a flood zone or an area prone to earthquakes or other natural disasters, commercial property insurance may not be enough. You may need to purchase additional specialty disaster insurance to provide the protection your business...

Does Your Business Need Business Interruption Insurance?

Does Your Business Need Business Interruption Insurance? Business Interruption Insurance (BII) is an often overlooked insurance coverage.  If your business is forced to close, your risk is not limited to temporary loss of income—which that alone can be devastating.  You also run the risk of losing customers who turn elsewhere for their product or service needs.  You may have difficulty paying key suppliers during an...

When Do My Kids Need Their Own Car Insurance Policy?

Eventually, the time comes for chicks to leave the nest. When children leave home, it often goes through several phases. Kids turn 18, graduate from high school, and may go off to college, but their parents are still providing support in many ways. At what age does a child need his or her own auto insurance policy? That depends on where your child is living...