We want to be here for you

We want to be here for you.  If you our one of our customers we want to thank you for being a customer, if you are doing some research and checking us out then welcome.  Either way thanks for checking out our blog. We want to be here for you in all areas.  Check out our social media accounts.  We are on google+, Facebook, and twitter.  You can click the buttons on this page to go to each account.  On our social media we talk about insurance but we also try to keep you informed on the on goings of the city, traffic and other things related to Pittsburgh.  We also love feedback on these sites so let us know how we are doing. 

 

We want to help you not only with your home and auto insurance but also with your life, health, and business insurance.  We want to help you find the best complete package to make sure that you are properly protect for whatever life throws at you.  September is Life Insurance Awareness month, we would like to ask each of you to evaluate your life insurance needs, or let us help you evaluate.  There are companies that will give you a discount on your home and auto with your life insurance. 

 

We want you to know that we are here for you.  Feel free to call us or contact us for a yearly review as well.  A year or two can result in some big changes; let us help you make sure you are covered.

Tax Day and Earth Day

The middle and end of the month of April bring up some important days on the calendar.  This year Tax Day falls on April 17th.  This year as in the past many companies are offering discounts or freebies for goods and services.  We will be here all day on the 17th to help you with your insurance needs of course, but what are some other offers you can take advantage of.  Office Depot and Staples both offer discounts on shredding services with coupon.  This could be very beneficial to you and help to cut down on potential ID theft.  If ID theft is a concern of yours, I would encourage you to reach out to us and discuss your homeowners or renters policy.  Many insurance companies offer some type of ID theft coverage via endorsement to their homeowner’s policy.  Many restaurants get in the act as well offering discounts on everything from food to drinks.  Just remember your limit when you are out enjoying your drinks so that you don’t have to potentially use that umbrella policy you just picked up. 

 

Sunday April 22th is Earth Day.  This year is the 47th anniversary of Earth Day.  Looking for some activities to do to help celebrate Earth Day?  If you live close to work you can walk or bike to work for the week.  You could also look to upgrade your light bulbs and appliances.  Many companies do offer Earth Day sales and giveaways.  Upgrading to Energy star appliances and halogen light bulbs could help you cut down on energy usage and save you money. If you go all out and upgrade to solar panels or buy a hybrid car make sure you let us know so that we can make sure that we have you properly covered.   You can also click the link to check out propertycasualty360.com’s best eco-friendly cars. 

 

https://www.propertycasualty360.com/2017/04/21/best-eco-friendly-cars-for-earth-day-2017/

 

Make sure you click the buttons on this website to follow us on social media as well.  We update our social media regularly with tips on insurance, home, and auto.  This month’s topics have centered a little bit on Spring Cleaning and how you can get your home in tip top shape and help renew it from the hard winter.  What topics would you like to see in our blog? 

Do you have the right contractors insurance?

What you could need on your contractors insurance.

Running a business is hard.  You have to worry about bidding jobs, payroll, and obtaining new clients.  Worrying about your insurance coverage is usually not at the top of the list of priorities.  What do you need from you insurance though?  There are many options available to you for insurance as a contractor.  One of the main coverages that a contractor needs is general liability coverage.  General Liability coverage is there to cover bodily injury and property damage that you are liable for.  One important thing to keep in mind though is that in most cases general liability coverage will not cover faulty craftsmanship.  This coverage is for things like dropping a tool on the floor or causing a slip and fall.  Another coverage closely related to general liability is voluntary property damage coverage.  This coverage provides insurance for unintentional damage to property of others caused by the insured while property is in the care, custody, and control of the insured.  This coverage is typically not in the standard insurance policy and must be added by endorsement.  This coverage is very important for contractors and is something that a contractor should have. 

 

Another issue for contractors, what would you do if you were to lose all your tools?  How much would it cost you to replace them?  An inland marine policy can help put you whole again.  An inland marine policy is a policy that covers your tools and equipment away from the shop.  This policy is written on an actual cash value form so it is important to review it every year.  Another issue to look for is whether your inland marine policy, if you do have one, is a blanket or a schedule.  A blanket form typically carriers a per piece limit, that limit is typically 1000 or 2000 dollars per tool.  This could leave you upside down in the event of a claim.  Also of note is that blankets typically exclude mobile equipment like mini excavators. 

 

Finally have you ever had to sit on a job site because you were waiting on a certificate or the correct language on a certificate?  When dealing with commercial insurance it’s important to make sure your company has the endorsements you need on your policy or has the ability to add them.  Working with an agent who writes commercial insurance regularly can help insure that you have all the additional insured and waiver of subrogation forms that you need to bid on jobs and get paid on those jobs.  We would be happy to help review and quote your commercial insurance for you.  Let us be the experts that you can count on.

Could your side hustle hurt you?

Many people right now have a side hustle.  Side hustle as defined by Merriam-Webster is “work performed for income supplementary to one’s primary job”.  Side hustles can be a great way to earn extra income to do the things you want to do in life.  The downside could be that a majority of people do not think about insurance when they start a side hustle.  Starting a side hustle could mean that you need to change your auto coverage or start a commercial insurance policy.  One of the largest side hustles is driving for a ride sharing service. 

 

Does your personal auto policy cover you while you drive for a ride sharing service?  Many companies exclude livery service on their policies.  Livery service is using an auto to transport passengers for a fee.  This is why taxi services have their own commercial policies.  Insurance companies though currently are unsure how to treat ride sharing.  Currently some companies exclude ride sharing.  There are some companies however that will cover ride sharing services under a business use endorsement.  The best thing to do is check with your company to see if ride sharing is covered.  We would also be happy to help you look into what you need when driving for a ride sharing service. 

 

What if your side hustle isn’t driving for a ride sharing service?  Are you in the clear?  You still would have a need to talk to an agent and evaluate your risk.  If you go to other people’s homes or business you would still have a need for insurance coverage.  You could be liable for a slip in fall or damage to someone else’s property.  In the case of someone coming to your home, there could be exclusions in your homeowner’s policy that would deny any claims.  Some homeowner’s policies will allow you to make an endorsement to cover a home base business.

 

Finally, does your side hustle find you providing services for someone or giving them advice or consultation?  This side hustle could require you to have professional liability coverage.  This would be something that you would not be able to endorse on a homeowner’s policy.  If personal training is your side hustle this would be the coverage you would need.   

 

Side hustles are a great way to make extra money but there are risks involved.  This post just touches on some of the issues with insurance.  A complete review of your current insurance and your side hustle would be the best way to protect yourself and your future.  Use our expertise and experience to help you decide what coverages would be best for you.