Commercial Insurance Can Protect Your Business

Protecting the company should generally be at the forefront of every business owner’s mind. There are a number of ways to do that, and one of them is through a good commercial insurance policy. But it is important not to get that policy from just anyone, or to choose a policy without really understanding what is contained in it. Instead, taking the time to work with a knowledgeable agent and get multiple quotes for their West Hartford, CT business is the way to go. StateChoice can help with that, and its agents are standing by to help business owners in the surrounding area get the information they need to choose the right insurance policy for their particular company.

With that in mind, business owners will want to consider the kind of policy they need, how much it should cover, and if there are specifics it really must include. By talking to an agent, they can get guidance that will steer them toward a policy that is just right for their needs. Many policies can be adjusted to fit the needs and goals of a specific company, so business owners should not be afraid to ask for what they are really looking for. That can help them get everything they need, and reduce the chances of a problem developing because they did not have the right kind or level of insurance.

Reach out to StateChoice today, and get a West Hartford, CT business protected the right way. That can really improve peace of mind and can make it easier for any company to continue to move in the direction of its dreams. The goal of commercial insurance is the protection of a business, and the right insurance company can go a long way toward helping a company meet that goal.

Do Mechanic Shops Need Commercial Insurance?

When it comes to owning your own mechanic shop, there are several tips you need to follow to help ensure your company is as successful as possible. From having the right insurance coverage to marketing your shop in the right manner, following these tips will help boost your success as well as protect you from certain expenses. For now, let’s take a quick look at whether or not your mechanic shop can benefit from investing in commercial insurance. 

What does commercial insurance cover?

There are many different types of commercial insurance for you to invest in. It is recommended that you speak with a qualified insurance agent to determine the exact needs fo your mechanic shop. This type of insurance specialist can assess your exact needs as well as help you customize an insurance policy that meets all of these needs. For example, you may find that you need garage liability insurance. With this type of insurance policy, you are protected when claims or lawsuits are made against your garage that relates to someone being injured on your property; this can apply to clients in your garage or the employees. 

Business Interruption Insurance

Another type of insurance that will be vital to the success of your company is business interruption insurance. With this type of coverage, you can rest assured that if something happens to interrupt your business, that you will still be able to stay afloat. Take for example a fire destroys part of your garage and you are closed for four weeks while repairs are being made. Business interruption insurance will help pay for wages and income that are lost. 

To learn more about commercial insurance for your mechanic shop, please contact StateChoice serving the West Hartford, CT area. 

Are There Gaps in Your Home Insurance?

There are many reasons why you may have gaps in your home insurance policy. Changes in your personal situation, home or lifestyle could affect your coverage, causing it to fall short of providing you with the protection you need. Here are a few areas in which gaps may be present in your policy.

Dwelling Insurance (Replacement Cost):  Your dwelling insurance should be sufficient to replace your West Hartford, CT home in the event of total loss. If not, there’s a gap in your coverage. Many homeowners are only covered for market value which could be far below the replacement cost of their property. If their home suffers loss, they may have to make up the difference between replacement cost and market value out of their own pocket in order to rebuild their home.

Pets:  Some policies exclude certain breeds of dogs in their liability coverage. If you own a dog, you should make sure it’s covered under your policy. Otherwise, you run the risk of being liable for dog bites should your pet attack a visitor on your property.

Natural Disasters:  Many natural disasters such as wildfire, tornadoes and hailstorms are covered by a standard homeowner’s policy; flooding, hurricanes and earthquakes, however, are not. If you don’t  obtain separate coverage for disasters not covered by your home insurance policy, you’ll end up paying for damages these disasters cause out of your own pocket.

High Value Items:  Posh jewelry, expensive sports or music equipment and costly electronics may not be completely covered under your homeowner’s insurance policy. This leaves them vulnerable to theft, damage or loss. You can resolve this problem by obtaining a rider or separate policy from StateChoice to cover these goods with replacement cost.

Help close gaps in your homeowner’s insurance with a comprehensive insurance policy from StateChoice, West Hartford, CT. 

Why You Need Slip and Fall Insurance Coverage for Your Small Business

Owning a small business can be a stressful endeavor, and without the proper coverage, something as simple as a slip and fall incident can have a significant, and negative, impact on your firm. StateChoice insurance agency is here to serve all of the business insurance needs for its clients in the greater West Hartford, CT area. Our agents are skilled and fully trained in a full-range of business coverage lines. Comprehensive coverage will provide protection in the event that a slip and fall occurs on your business premises. 

Comprehensive Coverage for Small Businesses

Many small businesses, as they are working to get established, operate on a shoestring budget which forces a lot of difficult choices. If you are looking to keep costs in line, our agents can work with you to find comprehensive coverage that offers you full protection while being sensitive to budgetary constraints. Slip and fall coverage is worth the expense in the event that the circumstances include a law suit or further legal accident after the fall.

StateChoice can get you the coverage that you require to protect the hard work that you have put into your business. No one wants to experience the stress and expense that a slip and fall accident can cause without the proper insurance protection. Our agents can ensure that you have the coverage that you need to withstand unforeseen circumstances.

Please give us a call today at (860) 232-1234 to set up an appointment with one of our dedicated agents that can help you procure the comprehensive business insurance that will protect your small business. StateChoice is proud to serve the greater West Hartford, CT area and would welcome the opportunity to work with you and your small business.

Best Ways to Protect Your Boat From Natural Disasters

Living in West Hartford, CT, you won’t often worry about super storms. If recent years have taught us anything, it is that no one is truly exempt from risk. If you want to make sure natural disasters pose as little threat as possible to your favorite vehicle, there are some tips to help you succeed. These are the top tips from StateChoice to defend your boat from Mother Nature.

Scale to Size

There is no one-size-fits-all solution. Your plan should cater to your boat. If you can hitch it to a trailer, it can evacuate to safety with you. Since that isn’t a solution for every boat, you can consider lifts or simply fastening to the dock. In extreme cases, some ships are deliberately sunk and then salvaged after the storm passes. If you are unsure, feel free to solicit advice from experts as to the best solution for your particular boat.

Empty the Vessel

You usually can’t scrape the craft completely clean of literally everything. That said, get as much out of there as you can. This prevents damage to items in the boat and to the boat itself. Primary points of concern should include canvas, sails, dinghies, radios, cushions or Bimini tops. Anything that can’t be removed should be fastened as securely as possible. Anything that can be tossed by the storm will be, and it multiplies the risk of damage.

Tie it Properly

If there is no alternative, you’ll probably find yourself tying the boat to a dock. As risky as it feels, it is estimated that 50 percent of all hurricane-caused boat damage could have been prevented with better lines. Make sure yours are sufficiently long and thick, and do your best to secure the boat against any possible chaffing. If you do this, you’ll be safe from the vast majority of extreme storms.

Of course, no amount of planning can ever prove completely foolproof. The last line of defense in West Hartford, CT, is the same as anywhere else: good insurance coverage. Speak with a StateChoice representative today, and we’ll help you make sure you have everything you need.


Should You Carry More Personal Injury Coverage for Motorcycle Insurance than Auto Insurance?

Riding a motorcycle is dangerous. Even a minor accident can cause major injury to the motorcyclist. As such, you may find yourself wondering how much personal injury coverage, also called bodily injury coverage or personal injury protection, you need on your motorcycle insurance policy. This is a topic that we at StateChoice, serving the greater West Hartford, CT area, are often asked. Here is some information you want to consider. 

In the state of Connecticut, the minimum bodily injury coverage you are required to carry is $20,000. However, if you are involved in a motorcycle accident, it is likely that you will go over this amount. Going via ambulance to the hospital, being seen by an emergency room professional and have x-rays or other scans of your body will likely eat up this full amount. As such, it is strongly recommended that you obtain more than the minimum coverage if you are riding a motorcycle. 

Many people wonder if they should carry more coverage for motorcycle insurance than they carry for auto insurance. Unfortunately, this is a tough question to answer. While you are more likely to sustain a greater bodily injury in a motorcycle crash, you can be injured in a car accident as well. As such, many insurance agents recommend selecting the right coverages for both motorcycle and auto insurance, regardless of how much you carry on one policy versus another. 

If you are unsure how much coverage you need for motorcycle insurance, contact StateChoice, serving the greater West Hartford, CT area, today. We can take a look at your policy limits, your medical coverage, and your finances and help you determine what coverage levels are ideal for you. Call us now to get started. 

In West Hartford, CT: What Are the Different Types of Life Insurance?

In West Hartford, CT, the agents of StateChoice are available to help you make an informed decision when it comes to choosing the type of life insurance that will best suit your needs. The type of life insurance you choose will depend greatly on your age, your budget, and what you expect to gain from your policy. While there are numerous types of "life" insurance, the two main types are Term and Whole life insurance.

Term Life

Term life is a basic policy that has one specific goal. It’s designed to provide a death benefit that can be used to cover your final expenses. The premiums remain the same until the policy reaches is paid in full. The duration of a term life policy can range anywhere from 10 to 30 years, with most having the option to be extended.

Whole Life

With a Whole life policy, the premium remains the same throughout the duration of the policy. The policy won’t change or be raised if you become ill or your circumstances change. The value of the policy continues to grow on a tax-deferred basis and is not subject to taxation until you withdraw the funds. A whole life policy can be an excellent investment opportunity if it’s purchased while you are young enough to let it accumulate for several years.

The agents of StateChoice serve residents in West Hartford, CT and many of the surrounding communities. If you are interested in purchasing a life insurance policy or have questions about how they work, call one of the agents today. They can provide you with the answers you’re looking for and find a policy that is able to meet your specific needs.

Changes That Affect Home Insurance Needs

Summertime is a great time to contact your insurance agent at StateChoice in West Hartford, CT, if you need new home insurance for a home you are buying or for a complimentary annual review to make sure you have adequate insurance coverage for your home.

Besides the obvious need for new homeowner’s insurance, if you are buying a new home, there are many things that can cause your needs for homeowner’s insurance to change.

Here are some of the common things that cause the needs for home insurance to change:

  • Adding a room addition.
  • Re-finishing an attic or a basement.
  • Renting out part of the home.
  • Having children move out and/or elderly parents move in.
  • Enjoying an increase in property values.
  • Changes in the cost of replacement materials.
  • Buying a boat and keeping it part-time in the garage.
  • Creating a home office.
  • Starting a hobby with expensive collectibles.
  • Taking children into the home for paid babysitting/childcare services…
  • and more.

Life changes, especially those that are improvements, are really terrific. Sometimes, in the happiness and excitement of improvements, it is possible to forget about the needs that change for homeowner’s insurance. That is why your agent at StateChoice in West Hartford, CT will help. You need only give the agent the updated information and you will get a comprehensive recommendation of what adjustments may be needed for home owner’s insurance.

If you are a new client, we welcome you to become part of our preferred clients that we care for just as if they are members of our own extended family. Quality insurance coverage is really important when you need it. It is always best to have an annual insurance review with your agent at StateChoice in West Hartford, CT if any of these things happen and, in general, it is always a good idea to have an annual insurance review with your agent just to be sure you have adequate home insurance.

In West Hartford, CT, How Does A Business Owner Know How Much Commercial Insurance They Need?

The agents at StateChoice Insurance can help business owners in West Hartford, CT determine how much commercial insurance they need to protect themselves from financial loss. Each company is different in the types and amounts of insurance they need. A retail business may need more Worker’s Compensation insurance than a small auto repair service that requires higher liability coverage. The key is knowing the value of the business, both the assets and property as well as the potential for future income. The size of the business and its potential for continued growth should also be considered.

An insurance agent can help a business owner determine the amount of insurance they need to sufficiently protect their business from financial loss. The agent will begin by reviewing the amount of product on hand, any retail items for sale, and the value of any physical property such as the building, equipment, and vehicles.  The financial holdings of the business will also be considered, including estimations for potential sales over the next several months. If the company is steadily growing, that will also be taken into consideration. Depending on the type of business liability and Worker’s Compensation will also be included in the equation.

In West Hartford, CT, commercial property and business owners can call StateChoice insurance and talk to a licensed agent to determine how much insurance they will need to recover from financial loss. Each type of business is different and current policies will need to be evaluated to determine if the company has the right type of policy and the right amount of coverage to protect their interest.

Surpising Causes of Traffic Jams and How Each Driver can Prevent Them

Traffic jams and congested lanes, they are a harsh reality for many drivers. These daily inconveniences are almost seen as the norm, but they don’t need to be. Many people think that slow traffic is caused by accidents, but in reality, there does not have to be an accident to bring traffic to a crawl and even the best city planning cannot avoid congestion at times. There have been several scientific studies on the science of the traffic jam, and the results are very informative. At StateChoice insurance we want our clients to know all they can about the causes of traffic jams to ensure a safe and convenient commute.

Scientific Causes of a Traffic Jam

  • Being too polite or cautious. Yep, being rude may prevent a traffic jam. This is because being too hesitant to move forward when traffic around you slows contributes to the problem. Always put safety first but recognize that sometimes it is okay to be rude and move on even if others are rubbernecking or moving too cautiously.
  • Not using the "zipper merge." Think of this, if you were walking in a group and the hallway narrowed each person would merge, often seamlessly, and continue. When the same happens on the road many times, people inside of vehicles do not merge as easily. If people could accomplish what they can do on foot in vehicles, many traffic jams could be prevented altogether. 

StateChoice serves West Hartford, CT, and the surrounding areas, if you want an insurance quote today, you won’t get jammed up with us.