The West Chester, PA area can be a great place to live. Those that are in this area can truly enjoy the warm summer months. When it is warm outside, a great way to spend your day is on your very own motorcycle. While this can be a fun and efficient mode of transportation, it is also an asset that you need to properly protect with insurance. There are several situations when someone in this area needs to get motorcycle insurance.
When Using Public Roads
One situation when someone here needs to get motorcycle insurance is when they want to use public roads. Those that are in this area of the state need to comply with guidelines set forth for everyone in Pennsylvania. The state rules will require that you carry liability insurance whenever using your motorcycle. Those that do not have it will not be in compliance with the law.
When a Loan is Outstanding
You are also going to need to have motorcycle insurance when a loan is outstanding. If you have taken out a loan to finance the purchase of your motorcycle, you should check with your lender regarding insurance needs. In many cases, you are going to be obligated to carry motorcycle insurance. If you do not have this type of coverage in place, you will be in violation of your loan agreement.
Picking a motorcycle insurance policy in the West Chester, PA area is a big decision. To ensure that you are picking the right policy for your situation, you should call Griffith Insurance LLP. The team at Griffith Insurance LLP can provide you with the guidance and support that you need to get into a policy that will properly protect you and your valued motorcycle.
In West Chester, PA, you are not legally required to carry insurance on your boat. This means that if you want to sail without any coverage at all, you’re allowed to do that. It’s not advisable, but it is permitted.
It’s not advisable, because a sailboat is a big investment. We’re not talking about a two hundred dollar fishing raft, but something that may have cost you twice or three times the value of your car. That’s an investment that you want to protect, so you’re going to want to get coverage. Experts generally recommend the following provisions:
- $1,000,000 in liability coverage. You’ll typically be recommended to carry more than this if you drive a fast powered boat, but for a sailboat, this should be enough.
- Collision and comprehensive to be based on the value of your boat.
- Gap and replacement coverage should be considered, especially if you’re still paying your boat off.
- Uninsured/underinsured coverage. You’ll want to discuss this with your insurer to settle on a good number, but a minimum of $10,000 is typically recommended. As we said, West Chester, PA boaters are not required to carry insurance, so you may wind up needing to tap this.
While you are legally allowed to sail to your heart’s content without insurance, it’s not advisable. There’s a lot that can happen out there on the open water, and you don’t want to be holding the bill when your sailboat suffers damages.
If you’re looking to get your boat covered, get in touch with Griffith Insurance LLP. Griffith Insurance LLP can help you to get the coverage you need so that you can cruise the waters with your mind at ease the next time you head out.
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.
- 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.
- 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.
- 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!
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 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.
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.
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.
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.
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.