Month: May 2020 What Is Complete And Total Coverage? Posted on May 29, 2020May 14, 2020 by AgentInsure When we talk about getting "full coverage," we usually mean liability, comprehensive, and collision. But that’s not exactly full coverage, is it? Liability, comprehensive, and collision will be enough to keep you from going bankrupt after an accident, but it won’t guarantee that your losses are completely covered. For that, you’re going to at least need to add the following protections to your policy: Gap coverage. If you’re still paying off your motorcycle, gap coverage will help you to make up the difference on what you still owe. Nobody wants to be making payments on a motorcycle that was completely totaled in an accident, and this will help to keep that from happening. Replacement, or better-replacement coverage. Replacement coverage will get you a new bike of the same make and model as your current motorcycle. Better-replacement will get you the next year up. The better replacement may be preferable as this will give you a little elbow room when shopping around, as it can be difficult to find the same bike for the same price. With these provisions in place, you’re pretty much going to be completely and totally covered in the event that you lose your motorcycle in an accident. There are other provisions that you can add, as well. Medical payments coverage, for instance, can help you to cover the expenses should you wind up in a cast following an accident. This is something to consider as a motorcyclist. If you’re looking to get covered in Woodstock, GA, get in touch with Peter Laczko Insurance Inc. to see what they can do for you. Whether you’re comfortable with just a liability policy or you want to make sure that you’re totally covered every time you venture out into Woodstock, GA, Peter Laczko Insurance Inc. can get you the protection you need. How Commercial Insurance Protects Your Business Posted on May 15, 2020May 14, 2020 by AgentInsure Small business owners know the hard work that goes into building and running a company. Having the right commercial insurance can protect that business when disaster strikes or there is an accident. As every business is different, commercial insurance gives business owners the opportunity to get the coverage they need. At Laczko Insurance Inc., our team of agents work with business owners throughout the Woodstock, GA area. By spending time getting to know our clients, we’re able to suggest the best products to business owners. Commercial insurance provides businesses with several key features: liability, property, and worker’s compensation. If a customer is injured by a company’s products/services or has an accident at a business location, the liability coverage will protect the business. Property insurance covers company-owned buildings and their contents. This includes computers, materials, and inventory. Worker’s compensation is to cover employees in case they are injured on the job. More specialized coverage can be added as needed. For instance, some professionals add professional liability insurance. If the business has a fleet, it will also need to be insured. Another option is business continuity coverage that goes into effect when a company is unable to operate normally following a disaster. Whatever your commercial insurance needs area, our team of agents at Laczko Insurance Inc. can help you. They will explain the available options to help you make smart choices for your business. They work with businesses throughout the Woodstock, GA area so they understand the challenges you face every day. Explore our website for general information then contact one of our agents. They can help you decide which coverage option is best for your business. Your business is important so make sure it has the protection it needs. Call us today to discover how easy it is to get the right commercial insurance coverage!