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. 

It is hard work building your own business. You have to work longer hours and there is no one over you to bail you out or tell you what to do. However, this is the exact reason many of you small business owners went into business for yourself to begin with. You know how to rely and take care of yourself. Otherwise, you would never have dared to set out on your own.

One thing you have to take care of yourself is having to protect yourself from frivols lawsuits and other liabilities that can potentially destroy your business. There are lots of regulations and lawyers that can get in the way of your business success.

One way you protect yourself is by having the right commercial liability insurance. Different business have different liabilities, so you need to have a policy that is tailor-made for your unique business needs. You do this by picking the right insurance agency. These policies will protect you from ruin if you are sued.

For business in and around the Dunmore, PA a great way for you to get the right policy is by talking with the license agents at Rodgers-Olver-Polley, Inc. Our great agents will work with you to find the policy that is right for you. They will get to know you and your business and find your particular needs.

If you are a small business owner you need to visit Rodgers-Olver-Polley today. They will help give you the peace of mind in knowing that all you have worked for is protected. They can also help you look at your other insurance needs as well.

Owning a small business can be immensely rewarding. However, doing so often comes with a whole host of additional risks. Here are three common ones to be aware of.

Risk #1: Property Damage

You’ve worked hard to build up your business and gather the tools you need to get the job done. But sometimes fire, theft, vandalism, or a weather incident leave you in a position where replacing items or rebuilding is your only option.

Property damage is one of the most widespread small business insurance risks. The easiest way to protect yourself against it is by having adequate insurance coverage. Work directly with your agent to determine which items can be listed under a blanket policy and what specialty ones need individual riders. Be as detailed as possible during the process to ensure nothing is missed.

Risk #2: Worker Injury

If you have employees, the chance of a staff member becoming injured while on the job is always possible. Help reduce the risk by placing a strong emphasis on workplace safety. Furthermore, make sure your worker’s compensation insurance is current and reflects the number of workers your firm employs.

Risk #3: Liability Incidents

Liability incidents are another risk that small businesses face. Each time a customer, delivery person, or someone else who isn’t a direct employee steps on your premises, your liability risk is increased. Furthermore, it is possible for your staff to create liability risk if they engage in work activities away from your office. (For example, a lawn care business working at a client’s home.) In addition, it is also important to remember that liability extends far past medical bills and injuries. Damage to other people’s property is also included.

Protect your business against the unexpected. Contact our team at Rodgers-Olver-Polley, Inc. today for more information on commercial insurance options.

By now you may have had the chance to get out in the yard to pick up spring storm debris. There may be sticks, rocks, and even last year’s leaves that didn’t get raked before the snow hit. There are gutters to clean, windows to wash and a host of spring cleaning projects to attend to. But even after all of these are done on your house in Dunmore, Pennsylvania, is it still ready for spring?

You see, along with spring comes spring storms. In Pennsylvania we know how bad they can be. They are not only frightening but can be damaging as well. These storms can change the lives of homeowners and business owners. This is particularly true if you don’t have enough house insurance to protect your home or commercial insurance to protect your business.

At Rodgers-Olver-Polley Inc., we are an independent insurance agency serving both the business and residential needs of Dunmore property owners. Since we are independent agents, we are qualified to review the policies of any company, letting you know exactly where you are and aren’t covered. We are also able to pursue quotes from many different companies in search of better coverage at more affordable rates.

Check us out online. Visit our website and fill out our simple form to get a comparative quote on your homeowners or auto insurance. You will soon discover the power that an independent agency can have. If you have a Dunmore area business, contact us for a commercial insurance review and for a quote on your business policy.

There’s no question we are all ready for spring in the 18509 zip code area. The question is can we say the same when it comes to protecting our homes and businesses from the likely string of spring storms ahead? Contact Rodgers-Olver-Polley Inc. and get the peace of mind you deserve.

The physical size of Pennsylvania makes it interesting on many levels. It is geographically interesting with flatlands and mountains. It is also interesting in that we have such a diverse population and attitudes. There’s the hustle and bustle of big cities and rural small towns dot our landscape. We take our sports seriously in the Keystone State and rabid sports fans are everywhere. We have places for tourists and places to call home.

There is also a lot we have in common, like a sense of community. If you have a business in the state, getting involved can have some big benefits. First and foremost, getting involved is the right thing to do. It will simply make you feel better about yourself and your town. But it can bring other rewards.

• It can broaden your personal and business network.
• It gives your company more visibility in the community.
• Getting involved helps brand you and your company in a positive light.
• You can demonstrate your expertise by volunteering for jobs that showcase your skills.

Start by selecting a cause that appeals to you. You may even want to get employees involved. Next time, rather than writing a donation check, get involved. It can pay big dividends.

Rodgers-Olver-Polley, Inc. is pleased to serve our community with loss protection products. We offer commercial insurance and personal insurance policies. Our independent agents are not tied to a single insurance provider. This means, they can search for the best rate for your situation. Since we are local, we are here to answer your questions, provide quotes, and even assist in claims.

Visit our website and get a comparative quote on homeowners or auto insurance. For business insurance quotes, please contact our office. Rodgers-Olver-Polley, Inc. is proud to serve our community and we would be pleased to serve you.

The United States Census of 2010 says that there are 14,057 people, 5,999 households and 3,388 families in Dunmore, Pennsylvania. They didn’t measure how much heart there is in this Scranton area community. Dunmore residents are resilient and the businesses that do business here deserve your support.

We are pleased to be a local business serving the Dunmore area. We understand the importance of doing business locally, and we try to live up to those beliefs. If you own a business in the area, doing business with us may save you money.

While many believe insurance is an option, we know that commercial insurance is a critical financial element in protecting your business. Building a business takes too much work, too much sacrifice, and too much money to put it at risk by not having the proper business insurance.

We understand that every dollar is important in operating a business in the 18512 zip code today. That is why our services are so valuable. Our independent agents can seek out insurance providers who offer loss protection products that fit your business and your budget.

If you are a business owner in the Dunmore area, let us help you find ways to protect your business affordably. You can test our abilities by visiting our website and requesting a no obligation comparative quote on your homeowners or auto insurance. Once you see what we can do for your personal insurance, we invite you to contact us about your commercial coverage.

It is time to stop ignoring your need for critical business insurance. We can help give you peace of mind while protecting your efforts and investment. Contact us today and discover how affordable it can be.

Honesdale, Pennsylvania contains a grand array of opportunities for both newcomers and residents. Between the scenic Tanner Falls and the Wayne County Historical Society Museum, the 18431 area’s prime real estate and natural feel have attracted many businesses, tourists and individuals seeking a culturally nutritious lifestyle.

Business Professionals and Commercial insurance

Business insurance quotes, comparisons, future prospects and fiscal defense aren’t needed by newcomers, right? Wrong. Every expanding and start-up business needs financial protection, and commercial insurance protects industry decision makers from liability impacts, damages and natural events.

The Need for Liability Coverage

Your agents have likely discussed liability coverage importance, and understanding business law guarantees both profitability and sustainability. When browsing our expansive quote database, remember the need for liability protection. Consumers, your local government and even other businesses can reduce your business’s credibility—and liability coverage will protect you.

The Need for Widespread Protection

Remember: you’re not the only one doing business. Your workers, stakeholders, investors and clients rely upon your dependability—and your dependability relies upon sustainability and protection. Your commercial coverage plan likely contains the following necessities:

• Commercial fleet insurance

• Commercial liability insurance

• Workers’ compensation insurance

Your family members, business partners and interior workers need such protection, and you’re the provider. When a disability, injury or damage occurs, your commercial plan will absorb dangerous losses—protecting your company from impact.

Comparing Quotes and Effective Coverage

As your independent provider, we guarantee satisfaction and comprehensive, informative coverage options. Often, businesses don’t realize the importance of commercial coverage—but our industry experts are ready to assist with any situation. Before browsing options, remember to assess your industry. Not every business is similar, and your needs may require specialty coverage. Remember: Your business is your extension. Providing for such an extension takes time, and it takes information.

Back Mountain, Pennsylvania is a terrific place to live. The Back Mountain Trail makes for a nice getaway and outdoor activities are popular. Living in the 18612 area code offers a rural atmosphere while nearby Wilkes-Barre has the amenities of a large city. Back Mountain is also a great place to operate a business.

If you are a business owner in the area or are thinking of starting a business in Back Mountain, making sure you have the appropriate business insurance is critical. Business insurance can protect your interests in a variety of ways. Our agents can help find you a policy to suit your particular business. Liability protection may help you in case someone is injured at your place of business or while using one of your products. Loss of income coverage will protect your income should an event temporarily stop your business from operating. There is also business insurance that will cover you in the event of theft, fire or other calamities.

Because of the many facets of business insurance, it is important to compare quotes when considering which business insurance plan works best for you. Our professional agents are experienced in working with Back Mountain business owners and they can assist you in selecting the appropriate policy for you.

If you are not a business owner but live in the 18612 area code, we invite you to visit our website. There you can get online comparative quotes from several companies on your homeowners or auto insurance policies. Simply enter your information, hit submit and you will soon be able to compare quotes on your car and homeowners insurance.

We are proud to serve Back Mountain businesses and families by helping to protect their investments and lifestyle. Contact us soon to learn more!

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.

Studies show that 75 percent of businesses fail within three years of a natural disaster. One of your best options to make sure you’re not in this number is to create sound emergency preparedness plans. These plans need to include protection for when you must temporarily shut down your business.

Perils That Interrupt Business Operations

If criminals vandalize your business, you might need to repair your premises and install security instruments. If a hurricane hits your town, wind and water might damage your buildings and its contents, making your work site unsafe to conduct business. Cyber criminals could attack and compromise your company’s computer databases making it impossible to service customers. After these events happen, you might need to temporarily close your business take care of these issues, so you’ll lose business income. If you have an insurance policy that reimburses you for this loss, your business might be one of the 25 percent of businesses that comes back after a disaster.

Compensation for Loss of Income

The goal of business interruption insurance is to pay you for the income you’ll lose during the time it takes to repair or restore your business after a loss. This means that if a physical loss forces you to suspend your business activities, you’re insurer will reimburse you for the net business income you’ll be unable to earn during the suspension period. This amount includes profits, less taxes, you would have earned if you were able to continue operating as normal.

Restoration Period

You need to be clear about the limits of a business interruption policy. For example, the restoration period start and end dates are important. This is because your insurer will reimburse you for loss of income that corresponds to this period only. The restoration period starts at the onset of the loss and lasts through the time it takes to rebuild, repair or replace you’re property. As long as the loss occurred before you’re policy’s expiration date, you’re covered — even if your policy expires during the restoration period.

Restoration End Date Concern

Keep in mind, however, that the restoration period can’t drag on forever. Insurers and insured often disagree on the restoration period’s end date because a number of events can extend or delay this date. Your best bet is to talk with your insurer often and keep records, with pictures, of everything that relates to rebuilding your business.