However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you. Risk control consultants are located throughout our 12 states and the District of Columbia—so help is never far away. Lafayette Insurance represents a carefully selected group of financially strong, reputable companies, therefore we are able to offer you the best coverage at the most competitive price. If the primary location of your business operation is out of your own home and primarily consists of business and professional services, we’ve provide the right insurance policy for you. Special event insurance is not only for large events. Our expert team of associates take the time to assess your risks and find the coverage you need to get you on your way with peace of mind. Learn More About What Areas We Cover. This is a must have for every business that relies on a computer for daily activity, and that’s most everyone. Water backup coverage can be added to most insurance policies. However, if floods occur because of the natural disaster, your business property policy will not cover the damage. Keep in mind that your residential home insurance policy is not intended to cover a business and does not include the liability or additional coverage required. Get A Quote. If you live in Laytonsville Maryland, or any of our beautiful surrounding communities, call … Start ERIE Quote. We offer all types of personal and business insurance. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. 3Not applicable in New York; not available if you are employed, stationed in the armed services or attending school in a foreign country. We offer Contractor, Residential & Commercial Realty, Office, Bed & Breakfast, Church, and Home Based Business Packages. Similarly, this can be done for coverages that are not included within the extensions but are required by your business. The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies. 2Only applies if comprehensive coverage is purchased. Awarded Erie’s Giving Agency of the Year Award in 2016. Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. We live, work, and spend our time in our surrounding communities. Erie Mutual understands that each business can be different, we want your insurance policy to be uniquely you. A proper commercial insurance application should discussed and completed with one of our professional advisors. Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Installation Floaters are normally required by Contractors and intended to provide protection to the items (stock) that is to be installed at your customer’s premises. Give us a call today or fill out our online form. As a result, rebuilding a home can often cost significantly more than expected. FORTUNE is a registered trademark of FORTUNE Media IP Limited and is used under license. Complete the from below to find a local ERIE agent and get started. Will my rates go up? Contact Form. By doing so, you are protecting the vehicle for either the appraised value or market value. We realize you don’t want or need an expensive policy, but we can focus on what your small business does need. Phone. With ERIE’s Business Auto Enhancement bundle you get the best of both worlds: our most popular coverages designed to offer you expanded protection, all at a lower cost than purchasing each individually. From FORTUNE. You may have some lost business income or extra expenses that result, but don’t worry we’ve got that covered. And your business probably couldn’t function without them, which makes having commercial auto coverage you can truly count on essential. For any inquiries, please call or email us. rate, we will find the best insurance quote to protect your largest investment. That’s because an accident can happen to even the most careful driver—and these accidents can cost thousands or even millions of dollars. Regardless of any mortgage in place, you’ll be at a loss if a claim forces closure of a property for repairs or renovations. Your business property policy won't cover damage to your vehicles. Defense and settlement costs are also included in this coverage as liability protection. You need to ask yourself in either situation, can I afford to not have that revenue coming in? Rental Income, Extra Expense, Gross Earnings, Profits Form, Contingent Business Income, and Actual Loss Sustained coverage are examples of some. For most valuable possession categories, there is no deductible applied at time of loss. Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. Erie Mutual understands that each business can be different, we want your insurance policy to be uniquely you. There are various types of business income coverage available and those provided are based upon your needs. Unable to login, please check your credentials. We represent Erie Insurance, Auto Owners Insurance, Progressive Insurance, Safeco Insurance, Liberty Mutual and more. When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs. Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car. ... Erie Insurance has been helping customers since 1925 with their auto, home, business, and life insurance needs. Refer to our disclaimer for additional information. Hrenko Insurance Agency has been earning the trust of our community since 1980. Consider adding it so that you have the coverage you need in the event of damages caused by a clogged drain, sewer, sump pump, and related risks. What Happens If I Get In A Wreck With An Uninsured Driver? Please contact our customer service area to update your preferences. Our association with the Erie Insurance Group spans over 40 years. Get Accredited Login Welcome to BBB Northwest + Pacific. Hamburg, PA 19526. Insuring Palmyra, Harrisburg, and surrounding communities in Central Pennsylvania Since the 1940s, Consolidated Insurance Services has been working tirelessly to provide quality insurance and outstanding customer service to our customers. At CrossKeys Insurance, we develop personalized insurance solutions for both individuals and businesses. Reading, PA 19605, Hamburg, PA CrossKeys Insurance is an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected. We have clients all over Indiana and Ohio but our primary focus is Tippecanoe and surrounding counties. Term Life, Whole Life, Universal Life... Life insurance products we can help with. 1See individual policies for specific coverage details. We offer Commercial Insurance for all types of risks. This field is for validation purposes and should be left unchanged. See why people choose ERIE time and time again. At Lafayette Insurance, we treat our client's assets and liability exposures as if they were our own. Valuable possessions insurance covers personal property that may have unique value, cannot be replaced like regular personal property or is subject to special types of losses such as breakage or mysterious disappearance. We’ll have you back in business as soon as possible, but in the meantime we can ensure you have the means you need to keep moving forward. You need to add an endorsement to your policy to expand coverage to include liability protection that covers personal injury. There are various types of home based businesses, your insurance coverage is equally important as any large company. ERIE's commercial auto insurance for both owned and leased cars and trucks protects your business in many important ways. If you are in the real estate business, and regardless of whether you own many properties, or one single building, rental income is a must. Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed. Whether you need General Liability , Work Comp, or Contractor Insurance... we can help.
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