Month: May 2015 Making Commercial Insurance Easier to Understand Posted on May 19, 2015April 21, 2015 by AgentInsure Georgia is home to multi-international companies, small home-based businesses and everything in between. If you are a business owner you have a common need for commercial insurance with other business owners in the state. It’s time to make that commercial insurance easier to understand. Let’s put commercial or business insurance into broad categories to better understand how it works. Product Liability – This protects manufacturers from claims against them as the result of injuries or damage from a product they created. Unless you are producing a product, this would not apply to you. Professional Liability – Professionals who provide services may need this coverage. It covers what are referred to as “errors and omissions”. These can include malpractice and negligence and is valuable for professionals like doctors and financial advisors. General Liability – Most businesses can use some form of general liability. It can protect against injuries occurring at your business but can also cover issues like slander and legal costs associated with a lawsuit. Property – Commercial property insurance comes in Basic Form, which spells out the coverage, and Special Form, which covers general perils and then specifically spells out what it does not cover. Home-Based Business Insurance – You shouldn’t count on homeowners insurance to cover a home-based business. You may need separate small business coverage or inquire if you can get a rider on your homeowners policy. If you have questions, please feel free to contact us at Peter Laczko Insurance. We can help you better understand the difference between business insurance coverage and may even be able to save you money. Visit our website to get a comparative quote on your homeowners or auto insurance from our website. When you see the savings, we hope you will ask us to quote your commercial insurance. We look forward to serving you. I Received A Policy Increase: Now What? Posted on May 5, 2015April 21, 2015 by AgentInsure Kennesaw, Georgia is a bustling city found within the metropolitan of Atlanta. It has a long history, which originated with the presence of a railroad. Today, there are many things to see and do and the economy is strong thanks to the many local businesses. When you call Kennesaw home, you have to be cognizant of what you spend each year in homeowner’s insurance. If you receive a policy increase, there are things that you can do in order to reduce the costs. The first thing to do is obtain quotes from multiple insurance companies. As independent agents, we can help with all of this. When you have multiple quotes in front of you, it’s possible to look at what each company is offering and find out if one has a better price. The second thing to do is ensure the policy has all of the discounts that you qualify for. Such things include: – Security system – New locks – Window film – Organization affiliations – Multiple policies with same company You never know what you can receive a discount on unless you ask, so there’s no harm in making the inquiries. What you thought was standard may provide you with a substantial discount and that’s why we’re here. Our goal is to try and save you as much money as possible. A policy increase isn’t the end of the world, especially if it’s only a small amount. However, if there’s any way of lowering the cost of the policy, you should at least make the attempt. Changing insurance companies has the potential to save you hundreds of dollars a year. Call and talk to one of our agents today. We can help you get quotes for your homeowners insurance in Kennesaw so you don’t have to do all the work.