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Plain City, OH 43064

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Smucker Insurance Agency, Inc. Blog

What Happens if I Don’t Have Commercial Insurance

Not only does commercial insurance help safeguard your employees and businesses from costly lawsuits, damages, and more but also it helps you avoid penalties from the state for not having adequate insurance coverage. In Ohio, like other states, small businesses are required to carry two types of insurance for their company: 1) workers’ compensation insurance and 2) commercial auto insurance. 

First, workers’ compensation is legally required for any business with employees – regardless of their status as part-time, full-time, seasonal, or temporary workers – and helps pay for work-related injuries or illnesses sustained while on the job. Unlike many other states, workers’ compensation insurance must be purchased through a state agency in Ohio. Second, commercial auto insurance with at least state minimums for liability is required for any vehicle owned by the business. Additionally, although not required, it is highly recommended that if you require your employees to use their personal vehicle for work functions that they are covered under hired or non-owned insurance as the majority of personal policies exclude business use. 

Consequently, not carrying commercial insurance can have serious ramifications for a business. For starters, you’ll open your business to potential fines and litigation by the state of Ohio. Furthermore, not carrying commercial insurance means that you’ll be exposing your business and risking your own personal assets should you be found liable in a lawsuit from employees or a third party.

When you need to find commercial insurance, but don’t know where to start contact the all-star team at Smucker Insurance Agency Inc. in Plain City, OH. Our friendly and professional group of insurance experts will walk you through your options and learn about your business so that we can customize a commercial insurance policy that checks all the boxes. 

Common Home Insurance Myths Ohio Residents Should Learn About

Based in Plain City, OH, Smucker Insurance Agency Inc. serves the community by offering residents different types of insurance policies. We strive to make sure that our clients find coverage that aligns with their individual situation. As an independent agency, we have established successful relationships with several carriers throughout Ohio.

Common Home Insurance Myths

Protecting your home in Plain City, OH is one of your top priorities. Home insurance covers your property if it is damaged or vandalized. The policy also covers any damage to your garage and anything else connected to the property. While you are gathering information on different types of home insurance coverage, avoid these common home insurance myths.

I Don’t Need Liability Coverage

This is a mistake. A popular theory is that liability coverage is not necessary if the people who hang out with you have their own coverage. Be aware that you will be responsible if your friend is hurt while visiting your home whether they have coverage or not. Liability coverage should be a foundational piece of your policy.

Figuring Out The True Value Of My Items Isn’t Important

Having an accurate assessment of your home and personal items may make things easier in the future. Consider having your home appraised so that you will have an accurate assessment of your home’s value in case it suffers serious damages. Likewise, taking inventory of your personal items is also important because you have a clear idea of their value if you are a victim of theft. If you have any luxury items, you may need to alter your policy to include coverage.

Maintenance Issues Are Covered

This isn’t entirely true. You have to take care of your home. Issues related to mold or an insect problem will likely not be covered, as those are signs that you aren’t taking care of your home properly.

Consult With Smucker Insurance Agency Inc.

Visit our website today to learn more information about home insurance.

Why Businesses Need Umbrella Insurance

Your Plain City, OH business like most businesses needs liability coverage more than almost any other type of insurance coverage. Your business owner’s policy may not offer the level of coverage you need, but you can easily enhance this with an umbrella policy from Smucker Insurance Agency Inc.
An umbrella policy provides the insurance version of your umbrella in a rainstorm.

Think of your rain slicker as your BOP policy. Your umbrella provides extra protection.
Your BOP covers liability at your office location, storefront, etc., but once it pays the maximum of the policy, the rest comes out of your pocket unless you own an umbrella policy.

You can only buy an umbrella policy once you own a BOP or business liability policy. Umbrella coverage is secondary coverage, providing what amounts to an add-on, but as a separate policy.

We live in a litigious society. One accident on your business’ premises could require settlements to multiple people. The low cost of umbrella policies makes them a wise investment to protect your business.

Imagine that a fire breaks out in your place of business or a tornado or derecho strike it while staff and customers are there. You can feasibly get sued because you did not have fire retardant curtains and tablecloths or because your business had no storm shelter or basement. Perhaps it had no weather radio.

That may sound farfetched as you read this article, but conduct an Internet search for fires at businesses or how common tornadoes are in the US. Every state experiences tornadoes. Your wise investment in an umbrella policy protects your business and pays these settlements once you exhaust the BOP’s liability.

Contact Smucker Insurance Agency Inc. to learn how best to protect your Plain City, OH business from liability with umbrella insurance. Let us help you make your business more successful.

Does My Condo Insurance Cover Pet Liability?

Pets come in all shapes and sizes. For many though, cats and dogs are normally the pet of choice. When you live in a Condo, it is extremely important that you keep your pet under control at all times. In Plain City, OH, the agents of Smucker Insurance Agency Inc. offer local condo owners in the area advice on pet liability and how it can affect their condo insurance. They understand how important pets are to their owners, but they also know the damage a pet can do to the property if they are not properly cared for.

Pets Are Family

Pets are family members and are often cared for better than most people. Making sure they have everything they need may prevent them from destroying furniture and other household items. Kenneling them at night or when you are away is a good idea, especially if you have a young dog who is still learning its boundaries.

Know What the Risks Are

Know what other risks you may face. If a pet is overly aggressive, you may have to be concerned with them trying to bite another dog or a person if they get too close. This type of liability is one of the most common. Adding pet liability to your policy is essential and will prevent financial hardship in the long run.

At Smucker Insurance Agency Inc., the agents are dedicated to helping condo owners in Plain City, OH protect themselves from various types of pet liability. Call and talk to one of the office’s reputable agents whenever it is most convenient for you. You will get the answers you need and can rest easy that you are sufficiently covered.

How Much Commercial Insurance do I Need?

When it comes to safeguarding your business, it is important to have enough liability coverage to protect the totality of your assets. Additionally, having adequate business insurance is oftentimes a requirement to win a contract so having enough coverage helps to ensure the profitability and longevity of your business. Generally speaking, there are two types of commercial insurance with business owners having the option to supplement these coverages with additional add ons that are unique to their needs. First, commercial property insurance provides coverage for any business-owned property that is damaged, stolen, or lost. Second, business liability insurance helps pay financial damages if someone sues your business.

When determining how much commercial insurance you need, the first step is to refer to the contract. If you are buying or leasing property space to operate your business it is highly likely that the agreement will stipulate the minimum amount of liability insurance that is required with the same principle applying if you are bidding on a contract. If neither of these scenarios apply, it is important to consider these factors when determining how much insurance to purchase:

  • Location
  • Number of Employees
  • Type of Business
  • Leased or Owned Office Space

In addition to property and liability insurance, another common policy is cyber liability insurance which allows the business to recoup the cost required to recover from a cyber-attack or data breach. 

When it comes to finding a reputable and trustworthy insurance agency, look no further than the Smucker Insurance Agency Inc in Plain City, OH. With our relentless dedication to providing for our customers, we strive to provide you honest and transparent insurance service in the Ohio area. Give us a call today to schedule a consultation. 

Things To Consider When Buying Home Insurance

Even though home insurance is not mandatory, it is highly recommended to have it. Moreover, most mortgage lenders require homeowners to have home insurance before closing on a purchase. To make sure you get the perfect policy that fits your coverage needs and budget, Smucker Insurance Agency, Inc., serving Plain City, OH, has pulled together a list of things you should consider. 

Location 

The location of the house plays a significant role in the types of policies that are available and in the cost of insurance. For example, a home located on a coastline costs more to insure, while the coverage for a house situated near a permanently staffed fire department will be cheaper. 

Additional coverage

A standard home insurance policy provides you with basic protection, and some things and events might not be covered. Therefore, if you live on a coast or in a flood-prone area, it may be worth considering getting flood insurance as well. 

Your Home’s Claim History

Whether you have just begun your home search or you have been living in your home for years, it is essential to know your home’s claim history because it may affect your home insurance rates. You might not know, but a claim filed in the past five years can cause your insurance rates to increase. The good news is that there are also prior claims that have a positive effect. For example, the replacement of the roof damaged by the storm makes a house more desirable and valuable to the insurance company. 

Buying home insurance is a great way to protect your house and property. We recommend you not to rush and take your time by choosing a perfect policy. If you need assistance and you want to know more about home insurance, Smucker Insurance Agency, Inc., serving Plain City, OH, is ready to help and guide you through this process. Give us a call today and talk to one of our experienced and highly qualified insurance agents. 

What Is The Criteria For Classic Car Insurance?

There are several differences between classic car insurance and regular auto insurance. Certain criteria must be met to secure this type of protection. Generally, this insurance is designed for people who are restoring or collecting classic cars that are showroom, or potentially showroom condition. 

Classic Car Insurance

Some of the criteria needing to be met by the driver is having a clean driving record with no accidents, at least ten years of driving experience, a car that is over 25 years old and is being restored or is restored to showroom quality. Each provider may have different requirements when providing classic car insurance. Usually, a representative from the insurance provider will come to inspect the vehicle and consider the value via an appraisal. The car will then be insured for the appraisal amount. There are many things to consider when purchasing classic car insurance, which is why it is always a good idea to have an experienced insurance agent working with you.

Working With Agents

Agents are there to help the client get the coverage they need and answer questions they have along the way. When it comes to insuring a classic vehicle, there can be many terms and conditions, and it may be challenging to fully comprehend the fine print without the assistance of a knowledgeable agent. Residents in the Plain City, OH area can rely on Smucker Insurance Agency, Inc. to help them complete the entire process so they can feel confident being protected, whether parked or on the open road.

Those who have classic cars in the Marysville and Plain City, OH area should call or stop by Smucker Insurance Agency, Inc. today to find out more about the classic car insurance available to them or to ask any questions. 

Benefits of Renters Insurance

Even if you don’t own a home in Plain City, OH, you still want to protect yourself financially. Renters insurance is a great way to do this and comes with many different benefits.

It’s important to remember that your landlord’s insurance in Plain City, OH won’t cover you if disaster strikes. While it covers the structure of the building, it doesn’t include any of your things. Renters issuance will cover your belongings. Even though you may not think your stuff is worth that much, the cost of replacing just a few items can add up. There are also added benefits of having renters insurance you can discuss with your agent at Smucker Insurance Agency, Inc.

  • The Cost of a Hotel after Disaster: You won’t have to figure out a new place to live if your rented space is going to be undergoing repairs after a disaster. There is additional living expenses coverage in your renter’s insurance should your place become uninhabitable, and you need to live somewhere else.
  • Medical Expenses for Guests Injured at Your Apartment: If there is a visitor that is injured at your rented space, then renters insurance pays medical bills up to the stated limit.
  • Legal Costs if Sued: If you accidentally hurt somebody or someone is injured at your apartment, then renters insurance helps cover your legal costs and the judgments the court awards. This also includes damages and injuries that you and your family members cause. 
  • Items You Have Borrowed or Rented: Your policy covers items that are in your possession. This includes property that you have borrowed, rented, or own. 
  • Your Belongings Away from Home: If you are away from home, then your belongings are still covered for the perils listed in the policy. For example, if your luggage gets stolen from your hotel room or items are stolen from your car, you are covered up to a certain amount.

Contact Smucker Insurance Agency, Inc. to get a quote on renters insurance.

When Does Umbrella Insurance Kick In?

The idea of being sued is strange. Nobody considers what it’s like until it’s already happening. Unfortunately, it’s not an entirely unique experience. If you’re up against legal problems, umbrella insurance could save the day. That’s why we at Smucker Insurance Agency, Inc want every resident of Plain City, OH, to understand how umbrella policies work.

You Lose a Liability Case

The primary purpose of umbrella insurance is to pay liability damages that are awarded by a court. A common example is in a car accident. If a person is injured in a car accident and they sue you for damages, a court might rule that you owe them compensation. Before umbrella insurance kicks in, your auto policy will cover liability damages that are awarded. Still, if the amount is greater than your auto policy can cover, the umbrella policy steps in to make up the difference (up to the limit of the umbrella policy). With the second insurance, you aren’t paying out of pocket to cover liability.

You Have Legal Expenses

You don’t have to lose a court case to use umbrella insurance. Its other central role is to help you deal with legal expenses. If you get sued for damages and don’t lose your case, you’re still going to owe money to lawyers, and you still might incur court fees. If you have an existing policy that covers the legal fees, it will pay before you turn to umbrella insurance. However, if legal defense costs more than your other policies can handle, the umbrella policy steps in to make up the difference. 

It’s important to understand that you don’t have to be among the wealthiest citizens of Plain City, OH, to benefit from an umbrella policy. You can get substantial umbrella coverage for surprisingly affordable prices. Check with your Smucker Insurance Agency, Inc. representative to see your options.

Does Condo Insurance Cover Major Appliances?

If you are planning on purchasing a condo, you want to make sure you invest in condo insurance to protect your personal property. Although condos usually have a master policy that covers the structure itself, it will not protect your property should there be a covered event.

What Does Condo Insurance Protect? 

In most cases, a condo insurance policy will cover the walls within the condo, or your own personal space, along with other items such as major appliances. Condo insurance is also essential to protect the owner from liability from any number of scenarios. It is essentially the best way to protect yourself from unexpected occurrences that could create a devastating situation otherwise. 

Shopping for Condo Insurance

Not all condo insurance policies are alike, which is why you need an expert to help sift through all of the red tape and fine print associated with each policy. A licensed insurance agent can guide the client through the process and explain the limitations of the policy and the terms and conditions. If you are currently in need of a condo policy and live near the Plain City, OH area,  you can turn to Smucker Insurance Agency Inc. to help walk you through the process and offer policy options that match your needs.

Smucker Insurance Agency Inc. is committed to helping the client find coverage options that protect the things that are important to them. Residents of Plain City, OH can call or stop by the office to speak with an agent to get more details and find out how they can protect their personal belongings and protect against liability claims.