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Types of Commercial Insurance

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Historic Asheville, NC offers many exciting things to do and see. If you own one of its businesses or plan to start a new business, you have a few extra steps to go through, such as obtaining permissions from the historical society if you want to locate your business in a historic building or location. It would be best if you also had business insurance, also referred to as commercial insurance.

More than ten commercial insurance versions exist, including E&O for manufacturers and commercial auto for fleet vehicles. That makes it tough to decide which policy to buy. With business insurance, there is not a one-size-fits-all policy. You must obtain proper insurance to reduce the financial risk of your business. You should obtain a free consultation from Asheville Insurance Center to determine which type of commercial insurance your business requires.

Even those running a home business need special commercial insurance such as a commercial auto policy to protect their vehicle while doing business. Let’s take a commercial auto policy as an example. You would probably not guess that three types exist – a full coverage general policy, public hire livery insurance, private hire livery insurance. The general policy a business owner needs for the auto they drive to meets, worksites, etc. Livery insurance applies to drivers of passenger carrying vehicles. A taxi or cab driver needs public hire livery insurance, while a limousine driver requires private hire livery insurance. The wrong policy does not cover loss or reduce the risk associated with doing business. Only by meeting with your insurance agent and conferring with them can you determine which of the following policy types your business needs:

  • Tenant’s policy
  • Law or ordinance
  • Officers’ and directors’ liability policy
  • Professional liability, also called malpractice.
  • Inland marine
  • Glass
  • Errors and omissions (E & O)
  • Debris removal
  • Crime
  • Commercial auto
  • Construction, also called builder’s risk.
  • Business interruption
  • Business owner’s policy (BOP) combines the four most necessary policy types.
  • Boiler and machinery are also called equipment breakdown.

Call or stop by Asheville Insurance Center today. We serve the Asheville, NC metro with the insurance it needs to do business with reduced risk. Let us help you find what you need.

3 Benefits of Having Recreational Insurance

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Recreational insurance is a great idea if you want to make sure that your vacation goes smoothly. Accidents do happen and can be quite costly if you don’t have the right type of insurance coverage. The benefits of having recreational insurance will help you maintain financial security if something goes wrong. Residents of Asheville, NC can rely on the agents of Asheville Insurance Center for answers.

Reduces Your Liability

Recreational insurance reduces your liability if someone is injured on one of your ATVs or at your camping area. The right policy will provide appropriate liability coverage to ensure that you have what is needed to protect you, your family, and your guests.

Covers Damages to Property

In addition to reducing your liability, recreational insurance will also cover damages to property. Covering property damage can take the burden off of you financially if an accident occurs while you are on a recreational vehicle out in the woods or the sand. Property damage can take many forms, so discussing your insurance needs with an agent is a must.

Peace of Mind

Having recreational insurance in place also gives you peace of mind. With the right recreational policy in place, you won’t have to worry about financial disaster if an accident occurs. Having peace of mind will actually allow you to enjoy the time you spend with your family and friends.

If you live in the Asheville, NC area and are looking for quality recreational insurance, the agents of Asheville Insurance Center can help. We have the experience and the knowledge to come up with the best recreational insurance policy for you. Having a personalized recreational policy is the best way to have peace of mind and a sense of security.

Why do I need renters insurance in North Carolina

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North Carolina is a wonderful place to call home. It has great amenities, spectacular scenery and of course the Outerbanks. Rentals in Asheville are more affordable than most other cities across the county. It has been attracting people who want to relocate for years. Given all the good things about North Carolina, you may wonder why I need renters insurance? At Asheville Insurance Center, we are family owned and provide personalized service with honesty and integrity. We have years of experience, making sure we meet our customer’s insurance needs.

As a renter, you may have thought that your landlord has insurance that protects you. It doesn’t. It protects the building itself and anything that belongs to the landlord but does nothing for you. You must purchase your own insurance, or everything you own is at risk. 

Renter’s insurance offers a few different kinds of protection. Being able to replace all that you own is valuable coverage even if it was the only one offered, but it isn’t. Renter’s insurance also provides liability coverage and loss of use protection. 

If a covered peril damages or destroys your rental, you would be without possessions. You own a lot more than you probably realize, and having to replace everything can be quite expensive. Think about all the clothing you own, the furniture in your rental, and all the things in your kitchen. It would be a nightmare without renters insurance. 

Liability coverage protects you from an injury to someone visiting your rental or away from the rental by a member of your family, even a furry one. It can protect you from a judgment against you.  

Loss of use gives you the help you need to have a place to stay while your rental is uninhabitable. 

At Asheville Insurance Center Asheville, NC, we understand what valuable coverage renter’s insurance provides. We would love to sit down with you and discuss your particular insurance needs 

Three things you might not know about motorhome insurance

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If you own a motorhome in Asheville, NC, it’s important that you find the right solution for insuring it. A motorhome is a valuable possession. Owning one subjects you to certain liabilities.

At Asheville Insurance Center, we offer insurance policies to protect you against liabilities and protect your assets related to motorhome ownership. The following are three things you might not know about motorhome insurance.

There are three different motorhome classes. 

Motorhomes are classified into three classes when it comes to motorhome insurance. The three classes are Class A, Class B, and Class C. Generally, they are classed according to their size and the number of people they accommodate.

The smaller classification is for Class B motorhomes, which are no longer than 21 feet and sleep four or less. Class A motorhomes are the largest and measure between 21 and 40 feet. Class C motorhomes are no longer than 33 feet and sleep up to six people.

The price of insuring a motorhome depends in part on what class it is. It’s good to be aware of what class motorhome you have when you’re shopping for insurance. 

Motorhome insurance policies specify recreational or full-time coverage.

You’ll need to specify whether you use your motorhome for vacationing or as a full-time residence when you purchase a policy. Full-time coverage policies are likely to be a little more expensive. However, they also offer more coverage than policies specified for recreational use. 

Motorhome coverage types include liability, collision, comprehensive, and more.

Motorhome coverage is much like auto insurance coverage. The main types of coverage are liability, collision, and comprehensive coverage. You may want to consider some additional coverage types: uninsured motorist, personal property, and residential liability coverage. 

Let us assist you with selecting your motorhome insurance policy in Asheville, NC. Contact us by phone or on the Web at Asheville Insurance Center with your motorhome insurance inquiries and questions. 

Safety tips for RV travelers

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Personal safety while camping in Asheville, NC is something that should always stick to your mind, as keeping you and your family safe is paramount. Remember, not everyone came to the campground with the same purpose as you, and sometimes, just buying RV insurance is not always enough. You need to take personal steps into ensuring that your family and RV are safe.

Here is what Asheville Insurance Center recommends doing when you are out to camp.

  • Always keep your doors and windows closed: You never know who is waiting for you to get into your RV and steal your possessions. Most RVs share the same locking systems, so never leave valuables anywhere on your RV. You can use a safe or take them with you when heading out.
  • Drive defensively: This means you can stay safe by avoiding road mishaps and keeping up with the allowed speed. You will be more careful when entering and exiting highways. Defensive driving means keeping in mind that the other guy in front or behind you is not as conscientious as you.
  • Always check your RV before leaving the parking lot: Check for faults or signs that could lead to driving problems before starting your trip. This will save you time, energy, and resources while also ensuring that you are safe. You can also take your time to learn some simple RV repairs.
  • Beware of your environment: This may sound obvious for most campers in North Carolina, but unfortunately, many people end up ignoring or forgetting about their surroundings. Before you decide to park your RV and stop anywhere, please take a good look at the neighborhood and its safety.
  • The weather is a must check: Never leave for a camp without checking the weather. Even after getting a clear sign, don’t ignore signs of weather change. Bad weather can be disastrous when driving a loaded RV.

Staying safe starts with you. At Asheville Insurance Center, we care about your safety. For more information on RV life, feel free to contact our office in Asheville, NC.

Why You Need the Right Motorcycle Insurance Policy

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There’s a lot of freedom in riding a motorcycle, but there’s also responsibility and a need to be careful. Part of that comes with being safe on the road, and some of it’s based on having proper motorcycle insurance to protect you and your investment in your bike. At Asheville Insurance Center, we want to help all of the motorcycle riders in the Asheville, NC area have good quality insurance policies they can rely on for their safety, security, and peace of mind. There’s no reason to settle for a low level of coverage when you want more protection, and we can help you make sure you have the type and level of coverage that’s right for you.

Just like with a car, insurance for a motorcycle has different coverage options and choices. Some people want more coverage, and others want less, depending on several factors. Whether you use your bike for your daily commute or you only ride it on the weekends, there’s a policy that’s going to be right for your needs and lifestyle. The best way to find that policy is to work with a knowledgeable agent who can offer plenty of great information about the choices you have for coverage.

Reach out to us today at Asheville Insurance Center, and let us answer your motorcycle insurance questions. If you’re in the Asheville, NC area, we’re here to help you. Our agents are committed to quality and value, and we want to be sure you’re getting all that you need to be comfortable and feel secure on the road. Whether you’re a new rider or you’ve enjoyed the experience of riding a motorcycle for years, it’s vital to make sure your policy is the right one for your bike and the amount of riding you do. We’ll help you find what works.

What benefits come with umbrella insurance?

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Anyone that is in the Asheville, NC area will have some level of liability risk. A lot of people can mitigate some of these risks by getting home and auto insurance policies. For those that are looking for additional personal insurance coverage, getting an umbrella insurance policy could be a great option. Several benefits come when you get this insurance coverage. 

More Coverage for Liability

One of the advantages of umbrella insurance is that you will receive more coverage for liability. When you have a home and auto policy, you will have liability protection up to the policy limit. While this covers the majority of liability claims, there is always a chance that you could cause damages over normal policy limits. To offset this risk, you could get an umbrella insurance policy as it will give you additional protection.

Coverage for More Situations

Another advantage of an umbrella insurance policy is that it can give you coverage for more situations. Home and auto insurance policies provide coverage for a variety of situations that could come with a risk. However, they are limited in coverage compared to an umbrella insurance policy. With this form of coverage, you will receive coverage for a much wider range of situations that could come with liability risk. 

If you are looking for a way better to protect yourself in the Asheville, NC area, getting an umbrella insurance policy could be a great option due to the benefits it provides. While there are benefits that come with this insurance, it can be complex picking a policy. Due to this, you should call the Asheville Insurance Center for your insurance needs. The insurance team at Asheville Insurance Center can help you to pick a policy that will provide you with the right coverage. 

Do You Need a License to Drive a Recreational Vehicle?

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Recreational vehicles come in many different shapes and sizes. In Asheville, NC, the agents at Asheville Insurance Center offer insurance policies that cover RVs and a variety of recreational vehicles. Having the right type of policy in place is essential so that you can focus on having fun with your family instead of worrying about what will happen if you are involved in an accident.

Off-Road Vehicles

Off-road vehicles like ATVs and dune buggies that are designed to be taken over all types of terrain aren’t built for highway use. In most cases, no actual license is required if they are only used off-road. Recreational vehicles that are capable of being driven on the highway must be operated by a licensed driver if they are used on public roads.

Obey the Laws of the Road

Even though a recreational vehicle may not be built for highway use, it is still mandatory that laws are obeyed. If you are off-road, being courteous and lawful is common sense. Take the time to get to know North Carolina laws as they pertain to off-road and all-terrain recreational vehicles. This will make it easy for you to have fun with your family and ensure that you will not get into any trouble with your recreational vehicles.

At Asheville Insurance Center, each agent has both the knowledge and experience required to assist clients with all of their insurance needs. Owners of recreational vehicles who live in the Asheville, NC area are encouraged to call the agency to learn more about recreational insurance and the benefits it offers. Have fun, be safe, and call your agent today to get the peace of mind you need!

Top Five Questions to Ask Before You Get Renters Insurance

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It is a good idea to have renters insurance if you do not own your home. Many people may not be aware of this useful insurance when they rent an apartment or home. If you have valued possessions and those items are damaged, or in some cases, stolen, then renters insurance can help you recover some of the losses.

The agents at Asheville Insurance Center of Asheville, NC can help you understand what kind of policy you may need as a renter. Here are some questions to ask about renter’s insurance.

Does my landlord’s insurance cover my possessions?

Your landlord likely has homeowners insurance, but this only covers the building and structures. Your possessions are not covered under their policy.

Are injuries covered with renters insurance?

Typically, renters insurance will cover medical and legal expenses from injuries to others inside your dwelling in the event it is taken to court.

Will renters insurance cover my possessions fully?

Not exactly. There are limits to this type of insurance and how much you will be able to recover based on the type of item and overall coverage. High dollar items such as jewelry and collectibles that will have limits on how much will be paid out in the event of a loss. 

Can I calculate the value of my items?

Yes, there are apps and websites available now to find the worth of your items to log and track their value. These can be extremely useful in the event of a disaster where you suffer damage and loss of possessions.

Does renters insurance only cover possessions?

Some renters insurance will help with lodging in the event of a disaster where you are displaced and in need of housing. It is best to speak with an agent about your particular policy.

If you are in need of quality renters insurance contact us at Asheville Insurance Center of Asheville, NC. Our representatives will be happy to schedule an appointment to discuss your options for coverage.

Why Do You Need Motorhome Insurance To Stay Safe?

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In today’s society, many individuals are deciding to live a more contemporary type of lifestyle instead of traditional. Imagine being able to travel the country and live wherever you want to whenever you want to. That is what you can do with a motorhome. 

At Asheville Insurance Center, we are based in Asheville, NC as a family-owned and operated independent agency. We have served the local area and even some parts of South Carolina for over 23 years now. It is a great feeling to know that we can provide residents with the proper motorhome insurance that they need. Being able to travel, live in a non-traditional home, and still be happy with life. Here are a few key reasons as to why you should acquire motorhome insurance and work with an agency that has your best interest at heart. 

It is highly recommended that whether you have your RV out on the road or in storage that you have insurance on it. By state law, you must have insurance first before you can even register the title to your RV and have tags. Having this size of an investment should be protected at all times as anything can happen. This is not just a part-time home for some people. This is their full-time home. Having a great team to consult with and understand the best insurance policy for your motorhome is a must-have. 

Ready to speak with one of our representatives about your new motorhome insurance? You can call our office in Asheville, NC during business hours to reach a representative at (828) 505-7222. You can also ask for a review of your current policy and coverage as well if you have an existing motorhome policy.