Monthly Archives: August 2014

Types of Commercial Insurance in Dumore, PA

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When you are looking for commercial insurance in Pennsylvania to protect your business, it is important to start your search with the right plans. The coverage and plans that are available depend on several factors, but there are some policies that you may need to purchase to keep your business safe.

Liability Protection

As a business owner, you should evaluate the potential concerns that may cause liability risks. You are responsible for any accidents that take place on company property or for the behaviors of your employees.

Liability protection can vary based on the type of business that you own. Generally, you should have protection for any property that your company owns and for any vehicles. You may also want to consider liability protection if you provide a product because defects can result in injuries to your customers. A general policy is usually appropriate, but you can also purchase specialized policies if you are concerned about a particular problem.

Property Insurance

Property insurance is designed to protect your business assets. It will pay for damages to the property in a covered situation, such as damages from a burglary or a fire. The exact situations can vary, so you will want to evaluate the plan before determining that it is appropriate for the property that your company owns.

Workers Comp

Worker’s compensation is important if you hire any employees. The amount of coverage that you must purchase can vary based on the risks associated with your business and the industry.

There are a variety of risks associated with owning a business. Taking measures to protect your company by purchasing the right insurance policies can help you avoid any potential problems. To learn more about your options, contact us to talk to an agent today.

Will my home insurance policy cover an in-law that stays in my house?

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Allowing your in-law to stay in a guest bedroom while he or she is visiting your home in Dunmore, PA may raise concerns regarding his or her personal belongings. Depending on your home insurance policy and the type of coverage that you have purchased, it may not be necessary to worry about the visit.

Short-term Visits

If your in-law is staying in the house for a short period of time, then you may not need to worry about your policy. In many cases, your insurer will pay for lost or damaged personal belongings that your guests bring into the house.

Even as a family member, a short-term visit is usually covered by many insurers in the same way that a guest who is not related may be protected. You will not need to worry about a short-term visit from any family members.

Extended Visits or Long-term Stays

When a loved one is moving into the house for a long period of time, you may need to inform your insurer about the individual. Some insurers may request that you add your family member to your policy when they are staying for a long visit or are moving in the house. Other insurers may offer coverage as long as you inform them of the family member.

Since your loved one is related, it is usually possible to protect his or her personal belongings under your policy.

The situation will always contribute to the appropriate steps to protect your loved ones and their personal belongings. A long-term visit and a short-term visit may be handled differently based on your policy, so it is important to read your plan to identify your coverage. Contact us to speak to an agent for more details today.

Can I buy International Travel Insurance If I am traveling on an immigrant visa?

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Visiting abroad or traveling for business reasons will require the appropriate coverage to protect against possible problems that may arise. When you have an immigrant visa, such as a Green Card or a K3 visa, the process of finding the right coverage can seem more complicated.

Buying the Appropriate Policy

The key factor to consider when you are purchasing a policy is where to purchase the coverage. In general, you will need to purchase international travel insurance from a company that provides services to the country where you have immigrated. For example, if you have a Green Card, then you will need to purchase coverage from an American-based company. The country where you are a legal resident or immigrant is the appropriate country to provide coverage for your particular needs.

Selecting the Best Plan

International travel insurance is designed to address the possible loss of funds if you face a medical emergency while you are abroad or if you are unable to make your trip for any reason.

Since international vacations and business trips are often planned in advance, you may cancel the plans suddenly due to an illness, an unexpected emergency or any other reason. The protection helps ensure that you can get your money back in these situations or that you can pay for medical care while you are abroad, since your health coverage at home may not extend to locations outside the country.

An immigrant visa does not necessarily mean that you have not options for coverage when you travel abroad. You may need to provide proof of your immigrant status before you are given coverage, but it is possible to purchase the plan. Contact us to speak to an agent for more details.

When is it too late to buy a travel insurance?

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Planning a vacation or a business trip can be exciting, but it is also important to consider the possibility of canceling your trip, losing your luggage or facing other unexpected situations. You may need travel insurance to protect your trip from unforeseen mishaps, so it is important to purchase the coverage before you go on your trip.

Early Purchase

Buying the policy when you are still in the planning phase of the trip is usually a smart idea because it protects against the possibility of losing most of your funds to a disaster or an unexpected cancelation after you have purchased non-refundable items. It is usually best to wait until after you have started the process and have make a few purchases, such as when you purchase your airline tickets, but you do not want to wait until your flight takes off and you have missed the plane.

Last Minute Purchase

Generally, it is too late to buy the travel insurance if you have already gotten on the plane. Most insurers will prefer that you buy coverage before the trip.

A last minute purchase occurs when you buy the policy within a short period of time before your trip. In general, you will know if your trip will be canceled when it is only a week away, so last minute purchases are not usually a good idea. Insurers may refuse to provide a policy if you are leaving in a few hours or even a few days.

Buying insurance to protect your vacation or business trip can be smart, but you want to buy it around the same time that you purchase your plane tickets. Keep in mind that some insurers may have time limitations, so if the policy will only apply for four months, then buy the policy about three months before your trip. Contact us to talk to an agent for more details.