Commercial insurance is an essential part of any business. It provides financial protection to businesses against various risks and losses. This type of coverage helps protect the business in the Asheville, NC area from potential lawsuits, property damage, liability claims, and other financial issues that may arise from doing business.
For any organization–from a large corporation to a small home-based business–purchasing commercial insurance is essential for protecting its interests. Commercial insurance covers many areas, including property damage, general liability, errors and omissions (E&O), product liability, workers’ compensation, cyber security, professional indemnity, and more.
Business owners who are just starting should be particularly proactive about obtaining adequate commercial insurance coverage. Having the right coverage can help protect a business from financial losses if something unexpected happens. Even established companies need to review their policies regularly and ensure they are up-to-date on any changes or regulations in their industry.
Commercial insurance is also essential for business owners who employ staff, as this type of coverage can provide protection for the employer’s legal obligations and liabilities related to employee injury or illness. Employers should ensure that their commercial insurance policies cover all liability aspects, including workers’ compensation, disability benefits, and unemployment insurance.
Businesses that operate in different states will often require separate sets of policies depending on the state laws that apply to them. Companies with employees working in multiple states may find it beneficial to consult with an insurance professional at Asheville Insurance Center who is knowledgeable about each state’s different regulations.
If you have additional questions, call us at Asheville Insurance Center today. We proudly serve the Asheville, NC area.
There are a few important rules you should always follow when you purchase insurance as a motorcycle owner in Asheville, NC. Asheville Insurance Center offers motorcycle coverage policies to bikers that could meet your insurance needs.
Three of the most important rules to follow when purchasing motorcycle insurance are the following.
Figure out which types of coverage you want before you shop for a policy
Liability insurance is a type of motorcycle insurance coverage that you have to purchase.
Numerous optional types of motorcycle insurance coverage to consider include collision, comprehensive, uninsured/underinsured, and lease/loan gap coverage. You should know what these optional types of coverage are and decide whether you want them before looking for a policy.
Don’t buy the first policy you’re offered.
Doing research is essential so that you find a policy that is suitable for your needs. There are a lot of options out there. Before buying a policy, you must thoroughly explore those options by researching price quotes and policy details from numerous providers.
Check and see if you’re eligible for any discounts before purchasing a policy.
Motorcycle owners might be able to qualify for different policy discounts. Providers may offer discounts to motorcycle riders with perfect driving records. Discounts may also be available to motorcycle riders who have completed a defensive driving course or invested in certain safety features for their bike.
Do you have questions about what you should do when you’re looking to cover your motorcycle with the right insurance policy? Ask us at Asheville Insurance Center. You can contact us for a quote on motorcycle coverage in Asheville, NC.
Asheville, NC residents are not compelled by law to purchase umbrella indemnification, as this insurance is always voluntary. However, many choose to invest in this protection as it can guard against financial loss.
Umbrella insurance always coexists with another policy and typically will have higher limits than your primary coverage. It will begin to cover your expenses once your other indemnification has been exhausted.
When reviewing your financial picture and the types of insurance you have, it’s good to examine whether expenses could supersede the limits of your policies. In addition, umbrella insurance can extend to other scenarios that fall outside what is included in a primary policy.
Suppose you have items that are costly to replace, for example, a cache of expensive jewelry or a collection of rare antiques. In that case, you may consider adding umbrella insurance to your homeowner’s coverage. Your Asheville Insurance Center representative can go over specific incidents that would be covered.
If you have a business, you can add commercial umbrella insurance to your liability plans, extending to your property, automobiles, and more. Asheville, NC entrepreneurs face additional hazards regarding product safety and consumer satisfaction, as well as advertising requirements and the possibility of consequences due to errors and omissions.
People who own boats and valuable equipment can also purchase umbrella insurance to cover them if their vessel is damaged or they hurt someone else in an accident. Motorists can also benefit from this coverage, as it can protect against financial loss incurred by lawsuits filed to seek redress for injury or property damage.
We Are Here to Help with Your Insurance
Asheville Insurance Center endeavors to supply you with the proper coverage to suit all your needs. Contact us today by stopping in the office, calling, or contacting us online. We’re happy to work hard for you.
The team at Asheville Insurance Center knows just how fun toy vehicles can be, especially in the beautiful natural areas surrounding Asheville, NC. We want to help you protect your fun with a recreational insurance policy. Come by our office or give us a call to learn more about the policy options available in our area.
Protect your fun with a recreational policy
Owning a snowmobile, ATV, or similar recreational vehicle is a great way to spend time outdoors with friends and family. If you haven’t fully insured your recreational vehicles, now is an ideal time to do so. Many people have questions about recreational insurance, especially those who only operate their vehicles on private land.
Even when you are riding your vehicles exclusively on private land, you’ll still want to have adequate insurance protection. If there is ever a situation where someone is injured while riding your vehicle, you will want to have the right insurance in place to cover any associated losses.
Liability can be a significant financial concern for anyone who owns recreational vehicles. No one wants to have personal liability. In addition to liability protection, you may want to consider comprehensive coverage. This robust coverage option will help protect you from financial loss due to the theft or vandalism of your covered vehicle. There are many benefits to carrying a comprehensive recreational insurance policy, and now is an ideal time to learn more.
Call or stop by today!
Residents in the greater Asheville, NC area can turn to the team at Asheville Insurance Center for all their insurance needs. If you aren’t sure just how to protect your ATV or other recreational vehicles, we are here to help. Call or stop by today!
When You have signed a lease on a home, it’s vital that you have renters’ insurance from day one to protect yourself. Most of the time, landlords will require proof that you have this insurance to sign your lease. It’s important to landlords that you have this insurance, which should be important to you as a renter. It’s never a good idea to go without this valuable coverage. If you need a renters’ policy, call us at Asheville Insurance Center in Asheville, NC.
Protection for Your Things
You have a lot of belongings inside your rented home, and they all need to be protected. With renters’ insurance, they are. These policies include a lot of protection for your things so that if they are destroyed or have something else happen to them, the policy can pay for you to get them all replaced. This can save you from paying out of your pocket to replace everything. It can help you to get your life back to normal after a serious incident has happened to you.
Protection for Your Liability
Another risk in your rental home is being liable for injuries and accidents. When anyone comes to your home and gets injured there, it will likely be up to you to pay for everything from their lost wages to their medical bills. To protect yourself against this liability, renters’ insurance covers it. When an accident happens, and someone is injured, your renters’ policy will pay what you owe. This means that the injured party doesn’t have to sue you to pay their expenses after being injured.
Cover Yourself With Renters’ Insurance
If you don’t have your renters’ policy yet, it’s time to call us at Asheville Insurance Center in Asheville, NC.
Accidents happen, even when we’re being careful. We must have a clear plan for what to do next when they happen. If you’re driving your motorhome and have an accident, use this guide to help you through the process.
Check for Injuries and Call 911 if Necessary
Swiftly check yourself and your passengers for injuries. If you or anyone else is seriously injured, call 911 immediately. An ambulance can transport you to the nearest hospital for treatment. Some common injuries in auto accidents are whiplash, back and neck pain, concussions, and broken bones.
Move to a Safe Location
Once you’ve confirmed that everyone is okay, the next step is to move your vehicle to a safe location. If you can drive, pull over to the side of the road. If your car is not operational, turn on your hazard lights and wait for help. Getting out of the way of oncoming traffic is essential to avoid further accidents.
Get a Police Report
The police will come to the accident scene and file a report. This report will be important for your insurance company. The police will also help direct traffic and ensure everyone is safe.
Be sure to get the name, badge number, and contact information of the officer who filed the report.
Contact Insurance Agent
After the accident, you need to contact your insurance agent, like Asheville Insurance Center in Asheville, NC. They will help you file a claim and start the process of getting your vehicle repaired. Your insurance company will pay for the repairs if you have comprehensive or collision coverage. If you don’t have this coverage, you will be responsible for paying for the repairs yourself.
Don’t have motorhome insurance? Be sure to contact Asheville Insurance Center in Asheville, NC. We’re here to help you through the process and get you back on the road. Give us a call today.
RV insurance can be a tricky subject. Ultimately, you want something affordable that provides the financial protection you need for your RV. Asheville Insurance Center, serving the Asheville, NC area, is committed to helping everyone find the best insurance policy for their needs. This includes answering questions such as what kind of insurance you need for an RV and what policies will serve you and your family the best going forward. You deserve to feel safe and protected in your RV, both physically and financially.
Generally, liability coverage is almost universally required for RVs since they’re big vehicles that can do significant damage in the event of an accident. In most cases, liability coverage for a motorhome will only be available under a proper RV insurance policy. Regarding a travel trailer, coverage is usually provided by the towing vehicle’s policy rather than by a separate one. If you’re unsure what policy is best for you, a standard RV insurance policy will give you the basics of what you need.
Contact us at Asheville Insurance Center today for more information about your options when it comes to RV insurance policies. We’re proud to serve the Asheville, NC area and are happy to help those in need make sense of RV insurance and understand their options. You deserve the peace of mind when traveling in your RV, whether flying solo or on a family trip. Stop in or call us today, and we’ll help you find the insurance policy that fits your needs.
You’re considering a loan to pick up a new Harley or Honda in Asheville, NC, but you’re unsure if you need to get insurance. Here’s a quick rundown of what you need to know.
Who Needs Insurance for a Motorcycle?
In North Carolina, all motor vehicles require liability insurance. This protects you financially if you are found responsible for an accident with injuries or property damage because of your negligence. Your loan company will require you to have full coverage insurance on your new motorcycle to protect the investment.
How Much Insurance Do I Need?
Most loan companies will require you to have full coverage insurance with collision and comprehensive coverage. This will protect your motorcycle from theft, vandalism, fire, or weather damage and accidents. The amount of coverage you need will depend on the value of your bike. You can get an estimate from your Asheville Insurance Center representative.
Is There a Gap in My Insurance Coverage?
There will be a gap in your insurance coverage when financing your motorcycle until you pay the loan off. If your motorcycle is totaled in an accident or stolen, you will still pay the entire loan amount to the lender, even if your insurance only pays out a portion of it.
You can protect yourself from this by adding gap insurance to your motorcycle insurance policy. This will cover the gap between what you owe on your loan and what your insurance pays out in the event of a total loss.
What is Full Coverage Insurance?
Full coverage insurance goes beyond the minimum protections required by law. It includes collision and comprehensive coverage to help pay for repairs or replacement of your motorcycle if it’s damaged in an accident, stolen, or vandalized.
Speak with your local Asheville Insurance Center agent to learn more about what coverages are right for you.
The team at the Asheville Insurance Center is proud to help the greater Asheville, NC business community protect their companies. We understand just how much hard work and dedication run a successful business, and we are here for you. Schedule an appointment today to minimize your firm’s liability risk.
Reduce your liability risk with an umbrella policy
Because we live in a litigious world, liability risk continues to be an area of concern, especially for small business owners. Unfortunately, a firm’s primary property policy or commercial insurance may prove inadequate regarding liability protection.
Primary policies typically have limits, and once those limits are reached and exceeded, the financial responsibility can revert to the company. And depending on how the firm is structured, principals in the organization can be held personally responsible for damages.
If you are unsure if your firm has the liability protection it needs, it’s time to sit down with your local agent to review your policy. With umbrella insurance in place, you will have additional coverage if and when your primary policy is exceeded. This type of protection is especially important for firms operating in industries with a high risk of legal action. It’s also helpful for business owners who have a high likelihood of slip and fall type of suits being brought against them. Find out more today!
Contact our office today
Businesses in Asheville, NC and nearby communities turn to Asheville Insurance Center to protect their assets. Liability risk continues to be an area of concern for business owners, and we can help you find the proper protection. Set up a consultation today, and let us help protect your company.
The team at Asheville Insurance Center is here to answer all of the insurance-related questions that residents in the greater Asheville, NC area may have. If you wonder if flood insurance is right for you, we can help. Give us a call today and schedule a meeting with one of our friendly and knowledgeable team members.
Is flood insurance necessary for your home?
Even when your lender does not require it, flood insurance can still be a brilliant idea. There are many times that floods will occur in unexpected areas, and the damage caused in such scenarios is usually not covered by a homeowner’s policy.
Sitting down with a local and qualified agent can help you gain the information to make an informed decision. Not all areas of our community need flood insurance, but it is essential to look into the possibility of a flood affecting your property.
We can help you obtain the information and data you need to help you decide if this type of insurance is necessary for your situation. And while you are making your decision, be sure to review your current policy to understand further what protection it offers against flood damage.
Most homeowners’ policies provide some level of protection when it comes to water damage but do not provide any coverage for damage resulting from a flood. Be sure to understand exactly what coverage you already have, and then decide if a flood insurance policy can help fill any gaps in your coverage.
Learn more about flood insurance today
Asheville Insurance Center is here to meet the insurance needs of the greater Asheville, NC community. If you would like to find out more about flood insurance, give us a call today.