What Does Commercial Umbrella Insurance Cover?
Stateline Insurance & Financial Services, Inc.
by Insurance Neighbor
3y ago
Your business is protected by your business insurance – but is it enough? A commercial umbrella insurance policy provides coverage when a claim exceeds the limits of your other policies. This type of policy is typically quite affordable and offers a critical level of protection against losses from substantial claims or lawsuits.  Do You Need Commercial Umbrella Insurance? A liability claim filed against your business can be expensive and could be far higher than the limits on your general liability insurance. Not every business needs an umbrella policy, but if you want to increase your i ..read more
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Do I Need Boat Insurance for a Non-Motorized Boat?
Stateline Insurance & Financial Services, Inc.
by Insurance Neighbor
3y ago
Depending on where you live, you may not be legally required by the state to carry boat insurance for a non-motorized boat, but that is not the only reason to insure your boat. If you have invested in a sailboat, kayak, canoe, or RIB (rigid inflatable boat), boat insurance will protect your investment if the watercraft is damaged during an accident. It should also protect you if a claim or lawsuit is filed against you.  Do I Need Boat Insurance? A non-motorized boat can be involved in an accident, just like any other watercraft. If a boat is involved in an accident that causes injury or ..read more
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Beginner’s Guide to Business Owners Package (BOP) Insurance
Stateline Insurance & Financial Services, Inc.
by Insurance Neighbor
3y ago
BOP (business owners package) insurance can be the ideal way to protect a small business. The bottom line is that you want the maximum possible coverage at the lowest possible rate, and BOP insurance could be your best option.  The Basics of Business Owners Package Insurance A BOP insurance policy covers all the major property and liability risks, and is typically the ideal insurance for smaller companies. A BOP policy protects your business against the following risks: Commercial Property Insurance: Your facility, equipment, and inventory make it possible to deliver to your customers ..read more
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Driving Safely in Heavy Traffic
Stateline Insurance & Financial Services, Inc.
by Insurance Neighbor
3y ago
Navigating your vehicle in heavy traffic is stressful – and dangerous. To avoid a collision, follow these simple tips for safer driving in heavy traffic.  Relax. You will eventually reach your destination, and being a few minutes late is better than being involved in a collision!  Drive Defensively. Other drivers may drive aggressively, weaving in and out of traffic to try to save a few minutes. Keep your eyes on the surrounding vehicles and drop back if another individual is driving aggressively. Keep a Distance. Follow the three-second rule and maintain a space between your vehic ..read more
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Commonly Overlooked Types of Business Insurance
Stateline Insurance & Financial Services, Inc.
by Insurance Neighbor
3y ago
You already have business insurance, but have you overlooked a situation that could put your business at risk? We offer a list of the most overlooked types of business insurance, as well as a brief explanation of each type. Employment Practices Liability Insurance (EPLI): This insurance protects against claims filed against your business by an employee, such as wrongful termination, harassment, discrimination, and others. When filed, these claims are expensive to defend and often lead to a settlement or judgment that your business may be unable to afford. With this insurance, it is covered ..read more
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Tips for Maintaining Your Roof
Stateline Insurance & Financial Services, Inc.
by Insurance Neighbor
3y ago
You want to ensure the roof on your home lasts as long as possible. Performing basic maintenance can prolong the life of your roof and help you avoid the cost of a new roof for much longer.  Replace Roof Shingles If your roof has missing or damaged shingles, they should be replaced rapidly. Rain, snow, wind, or even very dry, hot weather can cause damage. Perform a full check of your roof every year or after a heavy storm, and have a professional replace any damaged shingles. Trim Trees and Branches If your home is shaded by trees, ensure no branches are hanging over the roof itself. Dro ..read more
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Gauging Liability Insurance Needs for Your Business
Stateline Insurance & Financial Services, Inc.
by Insurance Neighbor
3y ago
Every business should have liability insurance – but what policy limits are right for your company? A lease or contract may require liability insurance with a specific limit. For guidance, it is advised that you speak to an experienced insurance agent. Many business owners should have higher limits than the coverage required for a lease or contract.  Which Type of Business Liability Insurance Do You Need? General liability insurance is available for all types of companies, and in several forms, including: Commercial Property Insurance: These insurance policies cover the cost of reimburs ..read more
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Beginner’s Guide to Personal Umbrella Insurance
Stateline Insurance & Financial Services, Inc.
by Insurance Neighbor
3y ago
Personal umbrella insurance serves an essential purpose, as it provides liability protection above and beyond the policy limits on your vehicle, home, or boat. Every insurance policy has limits, and personal umbrella insurance kicks in once you have exceeded those limits, expanding your protection if a claim or lawsuit is filed against you. Should I Have Personal Umbrella Insurance? One of the vital protections provided by personal umbrella insurance is the ability to pay the damages in a serious injury accident, which could far exceed the limit in your auto insurance policy. If your insuranc ..read more
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Beginner’s Guide to Key Person Insurance
Stateline Insurance & Financial Services, Inc.
by Insurance Neighbor
3y ago
You have devoted your time, creativity, energy, and finances to build a business. The last problem you need is the risk of losing it all if a key member of your team passes away. Key person insurance is a specific type of life insurance that protects a business in this situation.  What is Key Person Insurance? Key person insurance pays out death benefits to a business when a member of your business’ team dies. This type of policy should be in place to protect against significant financial losses associated with losing one of the owners, partners, or employees. This type of insurance can ..read more
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Simple Car Maintenance Anyone Can Do
Stateline Insurance & Financial Services, Inc.
by Insurance Neighbor
3y ago
All vehicles require regular maintenance. Some maintenance you can do yourself and avoid the cost of an auto mechanic. Just like ensuring you have the best deal on your auto insurance, performing basic maintenance saves you money. Are you a dedicated do-it-yourselfer? Even if you have never done vehicle maintenance before, most of the tasks outlined below are not difficult to learn. Replace Your Air Filter The air filter must be replaced regularly for your air conditioning and heating system to perform correctly. Look at the filter, and if it appears dirty, discolored, or has debris, it is ti ..read more
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