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3 Ways Your Pennsylvania Business Can Benefit from an Umbrella Policy

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If you are a business owner in the greater West Chester, PA area, it’s time to talk to Griffith Insurance LLP about commercial umbrella insurance. Owning a business takes a lot of hard work and dedication, and an umbrella policy can help to protect your efforts, assets, and marketing. Don’t let a spurious lawsuit or catastrophe erase all of the hard work that you have put in over the years!

Three Benefits from an Umbrella Policy

Don’t let a significant catastrophe be the end of your business. With a comprehensive commercial umbrella policy, you can give your primary policy a boost and get the excess coverage your business needs.

  1. Fills any gaps that occur once your primary policy limits have been exceeded. Primary policies have strict protection limits, and once they have been reached, that policy won’t cover any excess damages.
  2. Protects your private assets from being affected. When your primary policy is maxed out, you can be held personally liable for damages, and your private assets may have to be accessed to cover gaps in your insurance coverage.
  3. It gives you the peace of mind you need to stay focused on your business, no matter what adverse circumstances may come your way. With a comprehensive umbrella policy, you can rest assured that you will have the protection your company needs. Your personal assets will be protected, and your business can continue to run as usual.

If your West Chester, PA area business doesn’t currently have a commercial umbrella policy, give the team at Griffith Insurance LLP a call today. We are here to answer your questions and provide information about the various umbrella policy options available to you. Make sure that your company has the protection it needs!

How to Know If You Need Additonal Insurance for Your Vehicle

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Auto insurance is necessary for you to drive a vehicle. There’s even a state minimum for auto insurance. However, it might be a good idea to have additional coverage on top of your basic policy. An agent at Griffith Insurance LLP, serving the West Chester, PA region, can talk over the options with you. 

Deductibles

Deductibles should be in place to provide coverage in the instance you get into a fender bender or some other type of accident that occurs with your automobile. It’s frustrating when you don’t have enough deductible coverage. Talk to your insurance agent about getting collision and comprehensive coverage. It can ease some of the panic that comes along with injuries and repairs. 

Storage Insurance 

If you have a vehicle that’s in storage, you may wonder if you should have insurance for it. This should be covered under regular comprehensive coverage. The insurance company should discuss what your comprehensive coverage entails. Just make sure to explain the exact situation so that they can provide you with the policy riders you may need. This should take care of damages from accidents such as fire, building collapse, and vandalism, among other unfortunate things that can happen. 

Liability 

This is for you to use if you cause an accident, and it includes property damage and bodily injury liability. This means it will cover the other party’s auto repairs and medical bills. However, it won’t cover you or passengers in your car if any of you happen to get injured or if the vehicle is damaged from the accident.

Some other types of auto insurance coverage you should have include personal injury protection (PIP), Guaranteed Auto Protection (GAP), Emergency Roadside Assistance, and Mechanical Breakdown Insurance. Not all of these will necessarily be available from your insurance provider. 

Reach out to Griffith Insurance LLP of West Chester, PA with your questions and concerns. Our team can assist you in getting started with the process right away. 

 

How does commercial insurance protect a Pennsylvania business?

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One dream that a lot of people have is to eventually start and run their own small business. If you do have a small business, finding the right location to operate out of is very important. One market that can be a great option is in and around West Chester, PA. If you do have a business in this area, it is important that you cover it properly with commercial insurance as it can protect you and your business in many ways.

Provide Coverage for Asset Investments

While there is a lot of hard work that goes into starting a small business, there is also often a big investment requirement. One type of investment that you may eventually need to make could be the purchase of new inventory or other business assets. If these were to be lost in a fire or to bad weather, it could be a big setback. Because of this risk, you need to get commercial insurance to protect your assets and investment.

Will Give you Coverage for Liability

No matter how great of service you provide, a small business owner is always going to be at risk for liability. Due to this continued risk, you need to make sure that you are properly covering your business with commercial insurance. When you have commercial insurance in place, you will receive the necessary liability coverage that is needed to give you peace of mind. 

Before you start your company in the West Chester, PA area, you should call Griffith Insurance LLP. The insurance team at Griffith Insurance LLP can help you to find a commercial insurance policy that gives you both the necessary asset and liability insurance coverage. This will provide you and your business with great coverage that properly protects against a variety of different risks. 

How can I protect my Pennsylvania home with insurance?

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Buying a home in the West Chester, PA area is a great idea for many people. This area of the state is well known for having a good local economy and for being a great place to live. If you do choose to buy a home, it is vital to make sure that you are protecting it as well as you can. One of the best ways to do this is by getting a full home insurance policy as it can protect your home in several ways.

Protect Against Natural Disasters

While West Chester is generally a safe place to live, there is always a small risk of fires, bad weather, and other casualties occurring. Due to this risk, and the damage that they can create, you need to make sure that you are adequately insured. A home insurance policy will provide you with this type of protection to ensure you are covered if a disaster occurs.

Vandalism and Theft

Another item that you should have coverage for can include vandalism and theft. While it is a safe place to live, theft and vandalism can still happen in this area. When you have a quality home insurance policy, you will be covered for losses that you sustain due to either vandalism or theft. 

It is undoubtedly always a good idea to get home insurance for your property in the West Chester, PA area. Due to the importance of this type of coverage, you should make sure that you speak with the professionals at Griffith Insurance LLP whenever you are looking for a new policy. The insurance team at Griffith Insurance LLP can help youfind a home insurance policy that will adequately protect both you, your property and your personal belongings.