Owning a boat can be great fun but also a great responsibility. Here at Peter Laczko Insurance Inc, serving Woodstock, GA, we want to help boat owners understand more about liability risks. Keep reading to learn about the risks when letting others drive your boat.

Is It Legal For Other People To Drive My Boat?

Yes, it is usually legal for others to drive your boat as long as they are of age. However, whether or not you should let others drive your boat is a different question. 

Should I Let Others Drive My Boat?

Whether or not you allow others to drive your boat is similar to allowing others to drive your car. There are probably a few people you have in mind that you wouldn’t mind allowing to drive your car, but then again, you probably know plenty of other people you would never allow to drive your vehicle. This is where you will need to use common sense and personal knowledge of the individual. 

People Who Should Never Drive Your Boat?

There are a few individuals that you should never allow to drive your boat for any reason. Let’s look at those. 

Intoxicated individuals– You are responsible for ensuring an intoxicated individual never takes control of your boat. If this person wrecks the boat, injures someone, or causes damage to someone else’s property, you will be held responsible, not them. 

Underaged individuals– You should never allow an underaged individual to drive your boat. You should follow state and local laws concerning a safe age to drive a boat. 

If you would like to learn about boat insurance, don’t hesitate to contact us at Peter Laczko Insurance Inc., serving Woodstock, GA, and the surrounding areas. 

Those that are in the Woodstock, GA area will find that there are a lot of great places to enjoy the great outdoors. To take advantage of this area as much as possible, getting an ATV could be a great option. Those that choose to get an ATV also need to have proper insurance for it. There are many reasons why someone here should get an ATV insurance plan. 

Cover Your ATV

A reason that you should get an ATV insurance plan is that it can cover your ATV. Those that get an ATV in this area of Georgia will spend a lot of money buying and maintaining their ATV. As this can be a valuable investment, you will want to ensure that the investment is properly covered and protected. A great way to do this is with ATV insurance as it can help to replace your ATV if it is stolen or covers damages if there is an accident.

Liability Protection

You should also get an ATV insurance plan to ensure that you are covered for liability. Whenever you operate an ATV, there is going to be a chance that you could cause an accident. When you do cause an accident, you will have to pay for the damages related to it. As these damages can add up quickly, you will benefit greatly from having an ATV insurance plan as it includes liability coverage.

Picking an ATV insurance plan in the Woodstock, GA area is an important choice. When you are going to look for a new insurance plan here, you should call Peter Laczko Insurance Inc. The insurance professionals with Peter Laczko Insurance Inc. understand the value that this coverage provides and they can help you to build and choose a policy. 

Peter Laczko Insurance Inc. serves the Woodstock, GA community by offering different policies. We strive to provide a transparent experience to our clients. We are an independent agency.

Why Travel Trailer Insurance Is An Asset

Many Woodstock, GA residents enjoy camping. If you plan to go camping, perhaps you are attaching a travel trailer to your RV because you plan on taking an extended vacation. Travel trailer insurance covers your asset while you enjoy a nice vacation.

Travel Trailer Insurance is important because it’s the only way to fully cover the accessory. If something happens to your travel trailer, you can’t cover it through your auto or RV insurance policies. Having a travel trailer policy is the only way to protect your asset if it is stolen, vandalized, or damaged in a collision.

Comprehensive Coverage

Travel trailer coverage protects your trailer if you collide with an animal while you are camping or there is inclement weather in the area. You are protected if your trailer catches on fire or a tree falls on it and causes damage. Hurricanes and tornadoes are a constant threat in the South. You’ll be protected if powerful winds cause damage to your trailer.  

Replacement Coverage

If your travel trailer suffers serious damage, you are protected if you need to find a new one. You can also find temporary lodging coverage so that you will be covered if you have to seek temporary lodging elsewhere while your trailer is repaired.

Belongings

All of your personal items inside the trailer are covered if they are stolen or damaged.

Roadside Assistance

You can add roadside assistance to your policy to cover you if you have a flat tire or you need emergency towing service.

Peter Laczko Insurance Inc. Will Help You Find The Coverage That You Need

Visit our website today to learn more information on travel trailer insurance.

Like other states, Georgia has its own laws about which type of insurance policies must be held by small business owners. This is protection for others as well as for you as the owner. If you don’t have the proper coverage for your business, contact us at Peter Laczko Insurance Inc in Woodstock, GA.

Workers’ Compensation Coverage

Workers’ compensation is there to protect the employees of a business as well as the business itself. In Georgia, it is required to have this insurance for every business that has three or more employees, even if they are part-time workers. This assured workers that there will be funds to pay their medical bills if they should have an accident or develop an illness at work.

Commercial Auto Insurance Coverage

Georgia also requires that every business that owners a car have a commercial auto policy. The state has a specific amount stipulated for the minimum amount of coverage you have to have for bodily injury liability for one person and another amount for the bodily injury liability for everyone in the accident. It also requires a set minimum of property damage liability for an entire accident. If your vehicle is not owned by the company, but it is used for company business, it’s generally a good idea to cover it with an auto insurance policy called hired and non-owned. 

General Liability

A general liability policy is not required by the state, but it is a recommended type of insurance that can cover many more instances of liability that may not be covered by other policies. It’s a good idea to have this layer of liability protection in today’s highly litigious world. 

Call for More Information

If you have a small business in Georgia and need insurance for it, call us at Peter Laczko Insurance Inc in Woodstock, GA to make your appointment to talk with an agent.

There are a lot of different kinds of vehicles out there, and most of them need insurance. But people typically think of the cars, trucks, and SUVs they drive on public roadways. They often don’t consider other types of vehicles, such as low-speed motorized options. In some instances, though, these also have to be covered. That’s why Peter Laczko Insurance Inc. offers options for golf cart insurance for residents of the Woodstock, GA area. Driving a golf cart on public roads and other spaces can mean having the right insurance to protect yourself and others.

You want to make sure you have a good policy that will keep you safe and reduce your risk. If you’re not sure what kind of coverage you should have on your golf cart, you’re definitely not alone. Our professional agents can help you find the policy option that’s the right one for your needs, so you’re properly protected. The way you use your golf cart and where you drive it can be very important for finding you the best type of policy and level of coverage for your specific situation. But we’re here to make it easier for you.

Reach out to us at Peter Laczko Insurance Inc. today, and we’ll work with you on a golf cart insurance policy that meets your needs. We want all of our Woodstock, GA area customers to feel safe and secure with the insurance they have. We know how important it can be to enjoy peace of mind, and that’s a big part of what insurance is for. You don’t have to settle for anything less than a policy you feel right about. We’ll be here to answer your questions about insurance, so we can get you a policy that works for your life.

With slower stops, very tall semi-trailers on the back, and wide turns to be made, trucking can be dangerous and not for the faint of heart. This means that not only is it important for a truck driver to drive wisely and very safely, but to obtain the correct amount of trucking insurance in case of an accident. The insurance agents at Peter Laczko Insurance Inc. in Woodstock, GA know and understand the importance of having an adequate trucking insurance policy in place.

What Does Trucking Insurance Cover?

Liability

Trucking insurance is very similar to auto insurance, including the fact that liability insurance is required in the state of Georgia for all drivers, including truck drivers. Liability insurance will pay for any injuries or property damage sustained by someone else in an accident caused by the driver of the truck.

Non-Trucking Liability

This type of liability insurance is the same as a regular liability auto insurance policy but it covers the truck driver if he has an accident when he’s using the truck for non-work purposes.

Cargo Insurance

Cargo insurance will assist in compensating for any damaged or lost cargo during the transportation process.

Comprehensive Insurance

Comprehensive trucking insurance coverage will cover the truck if it is damaged or destroyed by a natural disaster, a fire, or vandalism. This coverage option will also help pay to replace the truck if it is stolen.

Collision Insurance

This type of insurance will cover any damage that is caused due to a collision with another vehicle or an object. For example, if the driver of a truck backs into a building while attempting to unload its cargo, this will cover any damages to the truck and the building.

Bobtail Insurance

Bobtail insurance will cover a truck that is being driven without the trailer attached.

To obtain the best trucking insurance policy for you and your situation, contact the experienced and trusted agents at Peter Laczko Insurance Inc. in Woodstock, GA to get your policy started!

In the Woodstock, GA area, there continues to be a lot of great ways to have fun in the great outdoors. When you are trying to maximize your experience here, you should consider investing in your own ATV. If you are going to purchase an ATV here, you will want to have proper insurance for it. There are several reasons why you should get this type of insurance protection. 

Insurance Will Cover ATV

Anyone that chooses to purchase an ATV will be making an investment that they will want to have last for a long time. If you are ever a victim of theft or are in an accident, you could lose your ATV entirely. However, if you insure your ATV it will give you the coverage that is needed to repair or replace it. This will allow you to enjoy the ATV for years to come.

Insurance Offers Liability Protection

ATV owners and drivers need to take their liability risks seriously. There will continue to be a chance that you could cause an accident while using it. Fortunately, you will be able to offset this risk with an insurance policy. With proper insurance, you will get the coverage that is needed in the event you do cause damage while using it. 

Anyone that owns an ATV in the Woodstock, GA area needs to make sure that they get proper insurance coverage for it. If you are looking for a new ATV insurance policy, you should speak with Peter Laczko Insurance Inc. There are a lot of complexities that come with picking this insurance. Peter Laczko Insurance Inc. can help you better understand all of your insurance options to ensure that you get into a new policy that will offer the right type and level of coverage.