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.

Boat Insurance – Woodstock, GA

Woodstock is a small family town with two sections – Towne Lake and Historic Downtown. We’re lucky to have a bustling downtown, where there is something to do nearly every day/night of the week.

Us boat lovers spend a good deal of time at Victoria Harbour Marina gearing up for a fun filled day of boating on Lake Allatoona. There are 15 boat ramps throughout the lake area where you can stop to have a picnic, and enjoy other activities.

One of the biggest causes of property damage to your boat can come when you hit the boat ramp also known as a slipaway or a launch. It can be hard to judge the right angle to pull your boat in a spot near the dock especially for new boaters.

Does my Homeowners Insurance Cover my Boat?

Several homeowners’ insurance policies include decent coverage for small boats and boat motors. A homeowner’s rider is normally suitable for these boats. In addition, the majority of homeowner’s insurance riders only apply to the use of the boat in lakes, inland waterways, and rivers. Boat rider coverage rarely covers boats along the beach or outside of a coastal inlet.

Boat Insurance

It is always a good idea to purchase separate boat insurance. For extra protection, you can still include the boat rider in your homeowner insurance policy; you can never have too much insurance.

Of the three common types of boat insurance you’re going to want to purchase the most amount of insurance for property damage. Property damage insurance covers damage to the boat. If you hit the dock and your boat is damaged, your insurance may pay to have the boat repaired.

You may be amazed at how much damage can be done if your boat were to hit a boat ramp. The damage can a lot be more extensive than an ugly scratch.

It’s easy to find the best coverage for your budget by comparing insurance quotes with Peter Laczko Insurance online in minutes.

If you live in the Woodstock, GA region and own a motorcycle, then you know the importance of protecting your bike with a motorcycle insurance policy. An insurance policy is a product that is designed to provide you the coverage you need to cover the cost of repairing damage to your bike. In order for you to get the best policy for your money, you will need to know how to compare your current policy with a new one.

How You Can Compare Your Policy with a New Policy

• The first thing that you will want to take a look at is the liability limits. This protection pays for the damages to the other person’s vehicle and injuries in the event you are found at-fault in an accident. Make sure the levels are the same when comparing insurance products.
• If your current policy has a helmet discount, then you will want to make sure that the new policy has the same discounts. Talk with your agent if you find that certain discounts are missing from your policy.
• You will also want to compare the deductibles of both policies. If one deductible is lower than another, then there can be a large difference between the costs of the two policies.

There are a lot of things that go into making an effective motorcycle insurance policy. Your local agents can help determine the class and type of bike that you ride so your policy fits your insurance needs. Call us today and give us the opportunity to provide you with the information you need to make an informed decision regarding your insurance needs.

When you are looking for RV coverage in Canton, GA, you must consider the possibility that your needs will differ significantly for an RV when compared to a car. The reason is that an RV has different needs and more comprehensive risks that are not necessarily related to the use of the asset as a vehicle.

Vehicle Coverage

In general, cars and RVs will have similar needs when it relates to the use of the asset as a vehicle. An RV will need liability protection and basic coverage for common risks associated with driving. It may also be useful to purchase a collision policy to protect against crashes.

The differences primarily relate to the size of the vehicle and the possible risks that are associated with the size. An RV may need more liability protection when compared to other vehicles due to the risk of severe damage if you cause an accident.

Additional Coverage

Unlike a car, a RV may be used as a temporary or permanent home. An auto policy will have gaps in the coverage because the concerns of a homeowner are very different from the concerns of a car. When you invite guests into your RV, you want the liability protection to ensure that you can handle any accidents that arise. The same is true if personal items are stolen from your RV because it is more likely to have expensive items.

A RV is not the same as a car. You have more comprehensive needs, particularly in relation to a camping trip or staying in the vehicle for any length of time. To learn more about protecting your RV or finding the most appropriate RV coverage, contact us to talk to an agent today.

When you are considering the purchase of a motorcycle, it is important to evaluate all of the potential costs associated with the new property. In many cases, motorcycle insurance in Kennesaw, GA will vary based on your goals. Despite the personal details, understanding the factors that will impact your rates can make it easier to select an appropriate plan.

The Policy

Averages that are associated with any vehicle will depend on the type of policy that you are purchasing. If you only buy the state minimum, then you may not pay much for coverage and the averages will usually decrease. On the other hand, a comprehensive policy will usually cost more and the average may adjust accordingly.

You should always consider the type of policy that you are planning to purchase before you worry about the averages. Overall, the average cost is based on comprehensive, collision and liability coverages, and may not be an accurate figure for individuals who do not want full protection.

Your Personal Details

Along with the type of plan that you are considering, the personal data that an insurance company uses to evaluate the risks can also contribute. For example, young motorcycle riders may face much higher rates when compared to older and more experienced riders. The motorcycle insurance costs can differ significantly between individuals due to the unique factors that impact the risks associated with the individual.

There are a variety of policies that are designed to address the needs of a motorcycle owner. The key to finding the right plan at an affordable rate is understanding the factors that contribute to the cost so that you can get the best rate for your current situation. To learn more about your options, contact us today.

It’s one of the most rewarding pastimes out there: hitting the road in your RV and driving wherever the journey takes you. But that dream vacation (or weekend) could end disastrously for your getaway and your finances if you don’t have adequate RV insurance.

Finding the best insurance agents to keep you covered whether you’re in Woodstock, GA or far away from home doesn’t have to be a headache. Learning about your RV insurance options isn’t all that bad, either. These tips will help simplify the process.

Types of Coverage Available

Total Loss Replacement: This type of coverage usually only applies to new RV’s (as in, one year old or younger). Total loss coverage will replace your RV if it’s completely totaled.

Liability: Much like auto insurance coverage, liability covers bodily injury to people in or near your RV and other people’s property damaged by your RV.

Conversions and Rare RV’s: If you’ve converted a bus into an RV or are the proud owner of a classic Airstream, you might need a slightly different type of protection. Insurance agents call this "agreed value coverage," and it means you’ll agree on an amount the vehicle is worth when you sign the policy.

Full-timer Coverage: If you live out of your RV full-time, very specific policies are available to cover the additional risks associated with long-term RV living. These policies look more like a homeowner’s policy than auto insurance.

No matter the option you choose, you’ll be glad you took the time to do your research and compare policies. Talking to an independent agent in the Woodstock area is one of the best ways to get an idea of the specific coverage you need for your situation, so don’t hesitate to call or talk to us!

Identifying the insurance coverage that is appropriate for your company in Acworth, GA can seem complicated. The challenges can seem more difficult when it relates to the prices, especially if a company has a strict budget. Although it can be challenging, there are ways to obtain reasonable rates and enjoy the coverage that you need.

Historical Information

If the company has historical information, then it may contribute to the cost of the premium. For example, a credit history report that was created for the company can impact the rates that are available. Furthermore, claim’s history on a previous insurance policy or similar details can impact the rates that you are offered.

You should factors in the historical data to impact the rates that are available for your company. Keep in mind that the specific details that impact your rates can vary, so historical data may be a small factor.

The Industry

The industry that you work in can impact your rates, primarily in relation to the risks that are associated with the industry. For example, a company that works in construction or work with chemicals may expect higher rates or coverage due to the potential risks. An office job that has limited safety risks and does not deal with sensitive information may not have high rates.

Expect the industry to have some impact, but the specific type of work and the type of insurance to impact the rates more directly.

There are several factors that can impact the cost of your insurance coverage as a business owner. A company has different needs than an individual, but that does not mean that there are not clear factors that will impact the rates. To learn more about finding the best coverage for a company, contact us today.

Spring and summer are perfect times to take your boat out on the water and enjoy all of the lakes, rivers, and ocean access that you can get in Woodstock, GA. However, before you head out to your favorite spot and start a weekend long fishing extravaganza, it’s important to consider your insurance options.

In most cases, you’re looking for liability only insurance for your boat, unless you have a particularly expensive or special kind of boat. Liability only means you’re not getting hit with the payments that come if you cause an accident or run into something. This doesn’t cover any damage to your boat, although if the other boater has liability insurance, you would get repair coverage that way.

If you have a relatively inexpensive boat, it’s probably not worth getting anything more than liability. If you have a yacht, power boat, or another high end boat, look into comprehensive or collision coverage. The first option provides you with protection for your boat and your assets on the boat against any situation that doesn’t involve colliding with another object or person. If you’re worried about the many ways your boat could end up damaged, this is the insurance option for you.

The online insurance quotes system takes a lot of frustration out of figuring out exactly what you want and need from the insurance company. You get quotes quickly, letting you know what type of policy you can put on your boat. If you’re dealing with lots of inexperienced boaters out on the water, it’s worth its weight in gold so you aren’t paying more out of pocket.

Renting out your basement is a great way to cut down on the amount you pay on your mortgage, or even eliminate it entirely if you live in a desirable enough area and you build out your basement. However, a standard homeowners insurance policy does not typically cover renters, even when you’re occupying the same building. If anything happens to the basement, such as flood or fire damage, the insurance company may refuse your claim or cancel your policy entirely.

You need a landlord insurance policy which covers property damage for the part of the home that’s getting rented, coverage for natural disasters, and other claims that occur due to renting out property. This commercial insurance package may bring down the cost of your homeowners insurance if you get it through the same company you already have a policy with. You may also want to pursue other commercial insurance policies if you are getting into the landlord business instead of simply renting out spare rooms in your home. This way, you already have experience with commercial landlord insurance before you pick up additional properties.

Another advantage to picking up landlord’s insurance is income protection in case a natural disaster or a problematic tenant causes enough damage to a property that it cannot be rented out for up to a year. You receive the fair market rent payment for the apartment until its ready to get rented out again. Landlord’s insurance also provides financial protection against litigation by a tenant.

Talk to your local independent agent based out of Woodstock, GA to find out what landlord insurance packages provide you with the protection you need

You may be one of those people that use your golf cart for a number of purposes beyond the putting green, or have a fleet of golf carts that are used on a frequent basis. In both instances, having golf cart insurance would be a good solution.

How can I get golf cart insurance?

There are a number of carriers that carry golf cart insurance policies. Using an independent agency to help you compare policies and coverage options is key. A good agent can help you decide what coverage would be best for you and your budget.

What is included in a golf cart insurance policy?

These policies have a number of coverage options that are similar to a car. Some of the options available may be bodily injury and property damage liability, collision, comprehension, accessory coverage, transport trailer, and roadside assistance.

Keep in mind that a golf cart is a moving vehicle and having it insured to avoid any losses, damage or injury will be beneficial in the event something happens. For more information on acquiring a policy in the Woodstock, GA area, speak to the insurance professionals that can give you the best consultation and advice. Do not put yourself in a position where you need coverage and don’t have it! Contact an associate at Peter Laczko Insurance today!