Monthly Archives: July 2016

What Different Types of Commercial Insurance are Available?

Posted on by

At Rodgers-Olver-Polley, Inc. we know that having a commercial insurance policy for your business is an investment to limit yourself from risk of liability and damages that may come as a result of an employee or consumer getting hurt, negligence in safety procedures or operations and even lawsuits against advertisements you may have run that resulted in claims. Most often, commercial insurance covers property, liability from lawsuits and worker’s compensation.  However, you may want to invest in other options as well to add to your commercial insurance policy to ensure further protection for your business.

Business Interruption Insurance

Probably one of the most important commercial insurance additions, business interruption insurance will cover lost income and expenses that are incurred as a result of property damage, theft or natural disaster.  Therefore, if you are forced to close your business because of flooding for three months, lost salaries and clients etc.- you would be covered.

Debris Removal Insurance

After a natural disaster, your commercial insurance policy will cover the rebuilding of any property that was destroyed, however, often will not cover debris removal or clean up, whereas debris removal insurance will. 

Boiler and Machinery Insurance

This type of insurance covers you for breakdown of your business equipment and will reimburse you for damages to property as well as losses that may come as a result. I.e.. if there is a fire, this insurance would cover any damage that was sustained to your computers and systems.

Inland Marine Insurance

Ideal for companies that work with other people’s property- for example, a computer repair shop- this insurance will cover not just your property that is damaged, but the customer’s property as well. It also covers in-transit, so if you were delivering a laptop back to its owner and it got stolen or damaged, you’d be covered.

Contact one of our agents at Rodgers-Olver-Polley, Inc. today for a hassle free quote. 

 

How to prepare to file an auto insurance claim

Posted on by

There is the sound of the impact, the shattering of glass, a moment of confusion and fear, then the reality sets in–you’ve been in a car accident. Once you’ve discovered that everyone is unharmed, your next thought is probably going be to call your insurance agent. There are a few things you can do to make that call, and the claims process, go more smoothly.

The first thing you need to facilitate an insurance claim is your insurance information. Most states require a driver to carry their insurance card or other proof of insurance in their car, and this document will have your policy number and, usually, a number to call to file a claim. If, for some reason, you don not travel with your insurance information in your car, you should at least carry your insurance agent’s card with your policy number and any separate phone number to call for a claim on it.

Before making the call, it’s best to have as much information as possible about the accident as well. Have the description of the accident clear in your head and do your best to assess the damage to both your car and any other cars or property involved. Take pictures if you can. If you have insurance and contact information for the other driver, that can be helpful, too. Finally, if you can get a report number from the police (if they were called), that is also very helpful.

The last thing to do before making the call is to get in the right frame of mind. First, get to a safe place away from traffic. Relax, let the adrenaline rush recede and take a few deep breaths. Think about the accident, how it happened, what damage was involved and whether or not you’re going to need a tow truck, rental car or other services that might be part of your policy. Finally, make the call and take your time to tell the complete story. Of course, it helps to have a great insurance agent like those at Rodgers-Olver-Polley Inc. serving Dunmore, PA. If you don’t already have a great agent, contact them today for a quote.