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Does My Small Business Need Commercial and Commercial Vehicle Insurance?

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Small business owners face various risks and have legal and contractual obligations that necessitate commercial insurance for adequate protection. Regrettably, some small business owners unknowingly expose themselves to significant risk by depending on their personal auto insurance coverage for their business vehicle use. To avoid such an expensive error, allow the Completely Independent Insurance Agency team in Zionsville, IN, to create a commercial and commercial vehicle insurance plan tailored to your business.

Understanding Commercial and Commercial Vehicle Insurance

Small businesses are diverse in nature, and their commercial insurance needs vary based on their industry, legal structure, employee presence, and vehicle use. While many small business owners purchase liability, property, and workers’ compensation coverage, they may not acquire commercial vehicle insurance, assuming their personal auto policy provides the necessary protection. This decision can have significant repercussions for their business.

A business owner’s personal policy does not cover vehicles owned or leased by the business. Similarly, the personal policy will not cover a vehicle the owner or an employee uses for business purposes, including when transporting a client or employee to lunch or a business meeting. Transporting tools or delivering products to clients or work locations also constitutes business vehicle use that requires commercial vehicle coverage.

Personal vehicle insurance liability limits are generally lower than those for commercial vehicle policies. So, even if your insurance company unknowingly accepts some business claims, they may investigate higher-value claims and reject them when you most need them.

Partnering with Completely Independent Insurance Agency

Completely Independent Insurance Agency proudly serves the small business community in Zionsville, IN. Our commercial insurance expertise will help guide your business planning, so stop by today or call (800) 632-3102 to schedule an appointment.

Auto Insurance Guidelines When Upgrading Your Vehicle

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Are you planning to upgrade your existing vehicle or purchase a new one? Owning a more valuable car or truck than what you currently drive could require changes to your automotive insurance policy.

Liability Protection

Consider how much liability protection you need. If your upgraded vehicle is faster than what you are accustomed to driving, your risk of being involved in a fender bender may increase. Adequate protection will prevent you from being responsible for high out-of-pocket fees resulting from damaging another vehicle or personal property.

Collision Coverage

If your upgraded vehicle is substantially more valuable than your existing vehicle, it may cost more to repair it. If so, you may decide to increase the collision coverage your automotive policy provides. Collision coverage will pay for mechanical and cosmetic repairs that your vehicle needs if it is involved in an accident.

Add-On Coverage

If you drive your upgraded vehicle with accessories, you may want to obtain add-on coverage. There is a wide range of add-on products to choose from. You can choose coverage for a trailer hitch, stereo system, navigational aid, or any other accessory.

Roadside Assistance

If you frequently drive your vehicle, you may benefit from obtaining roadside assistance coverage. If your vehicle breaks down, this coverage will pay for towing bills, mechanical parts, and other essentials.

An Agent From Completely Independent Insurance Agency

Give one of our insurance agents a call. An agent who serves Zionsville, IN will assist with the automotive insurance upgrades that you are seeking. They will advise you and upgrade your current automotive insurance policy.

Buying an Investment Property? You Need Landlord Insurance

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Property ownership comes with the responsibility of protection, which applies to investment properties and your home. If you’re in the Zionsville, IN, area and seeking landlord insurance for one or more of your properties, partnering with Completely Independent Insurance Agency is a wise choice. We can help you find a policy that meets your needs, providing the coverage you want and expect so you can confidently invest in properties.

The Importance of the Right Insurance

Some people purchase investment properties and misunderstand the insurance requirements to protect them. As a landlord, you need specific insurance, and a standard home insurance policy won’t suffice. The goal is to ensure you have adequate protection for a property that isn’t your primary residence. Even if you already have coverage, it’s advisable to review and update it regularly to ensure it continues to meet your needs.

Working With an Agent Simplifies the Process

While you can choose coverage on your own, working with an agent makes it easier to find the right policy for your specific property and protection goals. You can continue to work with that agent to update your policy as needed, ensuring your property remains covered in the long term. Our agents are here to help you feel confident in your insurance and can provide you with quotes from multiple insurers, allowing you to choose what you feel comfortable with.

Choose Our Agents for the Support You Need

Contact us today at Completely Independent Insurance Agency if you’re in the Zionsville, IN area and looking for a landlord insurance policy. We understand the importance of taking good care of your properties, including having the right insurance.

Common Workplace Injuries and How to Prevent Them

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As a business owner, one of your key responsibilities is to secure commercial insurance. This includes various types such as liability insurance, property insurance, and employee health insurance. If you’re based in Zionsville, IN, and have questions about the types of insurance your business may require, our team at Completely Independent Insurance Agency is here to help. We’ve been building our reputation as an independent agency since 2021.

Common Workplace Injuries and Their Prevention

Another responsibility you have towards your employees is to provide workers’ compensation insurance. This coverage protects your company if an employee gets injured on the job, as it covers their medical expenses and replaces part of their salary if they need to miss work. Many companies conduct annual educational sessions about workplace safety, covering the most common workplace injuries and ways to prevent them.

According to Safety by Design, slips and falls are the most common workplace injuries. Many of these can be prevented by workers wearing appropriate footwear and using guardrails. Certain industries also expose their employees to hazardous substances. While employers are responsible for ensuring proper ventilation, employees must wear the personal protective equipment specified in their company’s policy and procedures manual.

Contact Us Today for a Consultation

Whether your business is new or expanding, your insurance needs may be a concern. Our staff at Completely Independent Insurance Agency has the expertise to help you decide which changes you need to make in your insurance portfolio. Companies in the Zionsville, IN area can trust us with their insurance needs. Give us a call today, and let’s discuss your insurance options.

Clever Auto Insurance Hacks for Teens

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Completely Independent Insurance Agency can help parents in Zionsville, IN insure their teen drivers to minimize potential dangers. This process requires understanding a few critical hacks that can greatly impact the quality and cost of these policies in various powerful ways.

Buy a Safe Car

It’s tempting to buy teens a very cheap car, but this does them a disservice. If you can afford it, get one that’s as safe as possible. Doing so not only keeps them protected on the road but can decrease their insurance rates, which is a huge deal for parents who want a great policy.

Help Them Get Good Grades

Many insurance companies offer better rates and more policies to teens with good grades (a B or higher). College-aged students must take at least 12 credits to qualify, which can help parents save and identify better protection for their young ones.

Find Teen-Specific Options

Many companies offer teen-specific policies and bundles focusing on their unique needs. This ensures that young ones get the attention they need and avoid unnecessary coverage. Just ask us about your options, and we’ll find some you’d like.

Bundle With Yours

Teen insurance is usually easy to bundle with parents’ insurance, meaning teens can get even better options. Many companies prefer this approach because it allows them to collect information in a timely manner and expands their coverage to more drivers.

Work With a Trusted Team

Lastly, finding an insurance agent with years of experience can significantly streamline your experience. Call us at Completely Independent Insurance Agency to get protection for your teen in Zionsville, IN. We’ll work with you to find a policy that makes the most sense for your needs.

Protect Your Rental Properties Against Damage Your Tenants Cause

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Your landlord insurance policy may protect against property damage and loss. If tenants cause damage that will require extensive repairs, your insurance policy may cover some of the costs you face.

Rental Inspection Process

Inspect each property you plan to rent out. This will determine its condition. Take pictures or record footage of each dwelling.

The images that you capture can be referred to later if necessary. If a tenant damages a rental property, you can use the images to substantiate the fact that the tenant is responsible for the damage.

Damage Protection

A landlord insurance policy will cover structural and cosmetic damage that occurs to a rental property. If you are responsible for paying out-of-pocket costs to rehabilitate a property, the damage protection will allow you to recoup some of the costs you are faced with.

Non-Occupied Coverage

Non-occupied coverage does not provide protection against damage caused by tenants. This optional type of protection covers dwellings that are not ready to rent out.

If you are going to be rehabilitating a property, for instance, the non-occupied coverage will provide financial relief if one of the rental units is vandalized or damaged in another way.

Accidental Damage

Your policy may cover accidental damage caused by a tenant. This type of coverage will pay for repairs needed to restore a rental to its original condition.

Landlord Insurance Policy

If you are ready to discuss the landlord insurance protection you seek, contact one of our agents who serves the Zionsville, IN region. During the consultation, an agent who represents the Completely Independent Insurance Agency will ask questions. Your answers will guide them in recommending landlord insurance coverage to you.

Protecting Companies from Risk is a Top Priority for Every Business

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People choose insurance to protect themselves during unexpected events like accidents or fires. However, what’s seen as adequate coverage can be subjective and may lead to underinsurance. To address these quandaries, customers in and around Zionsville, IN, approach the experienced team at Completely Independent Insurance Agency for their commercial insurance needs.

A Common Priority

Protecting their ventures is a top priority for every business owner, from massive conglomerates to single-owner corner shops and all sizes in between. The good news is that commercial insurance offers peace of mind and, more importantly, the protection business owners need. That’s why they choose to work with knowledgeable and professional agents to secure the commercial insurance solutions needed to safeguard their companies.

While not every business faces the same concerns or risks, every business can benefit from commercial insurance protection. Business owners face many challenging decisions, but opting to protect their companies isn’t one of them.

Custom Commercial Insurance Solutions in Zionsville, IN

If you’re a business owner in Zionsville, IN, who wants to explore more about commercial insurance options or seeks protection for your company, we at Completely Independent Insurance Agency can assist. Every business confronts risks, and potentially, every business can be a target for would-be criminals. Thankfully, commercial insurance can mitigate those risks and protect companies from potential losses, damaged property, and more. Contact us today to learn more and arrange an appointment for the protection business owners require and deserve today at Completely Independent Insurance Agency.

What’s the difference between full coverage and liability only car insurance?

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Your vehicle is one of your most significant assets, making it crucial to protect it with the appropriate level of car insurance. When shopping for car insurance, your insurance agent will generally ask you whether you prefer full-coverage car insurance or liability-only car insurance. At the Completely Independent Insurance Agency serving Zionsville, IN, we assist our customers in choosing the insurance coverage that best suits their requirements.

Full Coverage Car Insurance

Full coverage car insurance combines a variety of insurance types to provide maximum coverage in case something happens to your vehicle. Full coverage car insurance typically includes:

  • Liability insurance, which covers the repair costs for another vehicle if you’re at fault in an accident.
  • Comprehensive insurance, which pays for the repair of your vehicle if it’s damaged in a non-accident related situation, such as a fire or theft.
  • Collision insurance covers the repair costs for your vehicle if it collides with an object or another vehicle.

Full coverage car insurance often includes optional roadside assistance, which can cover costs like towing or a flat tire if your car breaks down. If you have an auto loan, full coverage is often mandatory.

Liability Only Car Insurance

Liability-only car insurance covers the repair costs for the other driver’s vehicle if you’re at fault in an accident. It’s the most basic type of automotive insurance and is mandated by law in most states.

Are you looking for car insurance for your vehicle? Are you trying to decide between full coverage and liability only? The Completely Independent Insurance Agency, serving Zionsville, IN, can help. Contact us today to speak with one of our knowledgeable agents and learn more about how our insurance products can meet your needs.

Understanding Loss of Rent Coverage and Why It’s Important

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The Significance of Protecting Your Rental Property Investments

As a landlord, safeguarding your investment is crucial. At Completely Independent Insurance Agency, serving Zionsville, IN, we understand the complexities of managing rental properties and the importance of securing appropriate insurance coverage. Loss of Rent coverage is one particular coverage you might not have yet considered.

What is Loss of Rent Coverage?

Loss of Rent coverage, or Rental Income Insurance, protects landlords from financial loss when a rental property becomes uninhabitable due to events such as fire, storm damage, or vandalism. It ensures you continue receiving rental income even when your tenants can’t occupy the property. This maintains the cash flow, enabling you to keep up with mortgage payments and property maintenance.

Why is Loss of Rent Coverage Important?

Imagine a scenario where a fire severely damages your rental property. You would not only face repair costs but also lose the rental income you depend on. Without Loss of Rent coverage, this double hit can be financially devastating. This coverage acts as a safety net, covering the lost rental income during the repair period. This allows you to concentrate on restoring your property to its rentable condition without the added stress of lost income.

Secure Your Rental Property Investments

Protecting your rental property is not just about covering physical damages; it’s also about safeguarding your income. At Completely Independent Insurance Agency, serving the greater Zionsville, IN region, we are here to help you understand and secure the best coverage for your needs. Contact us today to learn how Loss of Rent coverage can provide peace of mind for your rental investments.

Commercial Insurance and What It Means for Your Business

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If you own a business, commercial insurance is essential. The reasoning behind this is simply Murphy’s Law. Anything that can go wrong, will go wrong. Unforeseen circumstances occur. Commercial insurance prevents these instances from becoming as severe as possible. Accidents, fires, thefts, and lawsuits do not have to be the end of your business, especially when you’re insured against them. When you secure a commercial insurance policy, you support your business by providing protection against all covered losses, such as bodily injury, personal damage, or professional errors.

How It Works

Essentially, commercial insurance provides coverage for a plethora of unexpected events that could potentially harm your business. For instance, if company equipment is stolen or a fire occurs, the losses can be recouped by filing a claim with the insurance company. This claim will be thoroughly investigated to determine the cost of damages. If these costs fall within the policy limit, you will receive financial support to repair or replace what has been lost, allowing you to get your business back on track.

Remember, having an experienced insurance agent working with you is crucial to ensure that you have the right policy tailored to your specific business needs. The coverage amount and the particular events that are covered all depend on the unique features of your insurance policy.

Completely Independent Insurance Agency Serving Zionsville, IN

If you are located in the Zionsville, IN, area and need commercial insurance, please get in touch with the Completely Independent Insurance Agency. Our experienced and exceptional agents will go above and beyond to help you obtain the policy suitable for your needs.