As a business owner, you have to take a lot of steps to keep your business protected. One way to do this is to get the appropriate types of commercial insurance. You will need specific types of commercial policies that will depend on how your specific business is structured and what it sells. There are many different types of commercial insurance, so it’s good to know what you may need for your own business. To learn more about what you may need for protection, call us at Curtis Miller Insurance in Parkersburg, WV.

Cyber Insurance

Do you use a computer system at work? If so, you’re like most businesses today. And, like most businesses, you’re vulnerable to a data leak. When data leaks from a business, it can be very expensive to take care of. You may owe all of the people whose information was leaked, and you may have to take care of the computer system itself to fix the problem. Cyber insurance helps with this and can pay the expenses generated by the leak. 

Commercial Auto Insurance 

Does your business own a vehicle? If it does, it must be covered with a commercial auto insurance policy. You may be able to get a personal policy for it, but such a policy wouldn’t pay out for an accident that happens with a business-owned vehicle. Avoid this problem by getting the right policy. 

Worker’s Compensation Insurance

If your business has any number of employees, even if it’s just one, you need to have this type of insurance. It pays for the costs associated with work-related accidents or illnesses that an employee has. It’s never a good idea to go without this coverage, no matter your business type. 

Get Commercial Insurance in Parkersburg, WV

Call us at Curtis Miller Insurance in Parkersburg, WV to ensure your business is covered.

 

Businesses in Parkersburg, WV, and other cities expect to operate while making profits. However, sudden and unforeseen losses are also a reality in the business world. Contacting us at Curtis Miller Insurance is the best way to protect against these kinds of sudden losses. Here is a brief overview of a few ways commercial insurance helps when a business is suddenly in danger. 

Unexpected property damage

Businesses may have physical buildings for workspaces or retail locations that can become damaged by severe weather or accidents. Inventory or products may also be damaged or contaminated and need to be discarded. Commercial insurance policies help cover the costs of replacements for these kinds of accidents. 

Lawsuits and Liability

Businesses can be sued suddenly for several reasons, but they are often caught off guard by legal action. The risk of lawsuits can range from product liability cases to accidents caused by drivers to people being injured on business property. Lawsuits can also be very costly without commercial insurance coverage. Relevant commercial insurance coverage will help the company pay out damages to parties who have sued. 

Business interruptions

Sudden emergencies and disasters can generally prevent a business from operating for days, weeks, or longer. These are commonly referred to as business interruptions. Commercial insurance can help cover costs such as rent and revenue losses if a business’s everyday operations are interrupted. 

Commercial insurance is available in Parkersburg, WV

Our agents who represent Curtis Miller Insurance are available to help. Don’t hesitate to contact us today to set up a policy or ask questions about how insurance can help your business.

Hopefully, you’ll never need to use it, but an umbrella insurance policy is an excellent preventative measure to protect you and your loved ones in unforeseen circumstances. This kind of policy is a lifesaver. It comes in handy when someone sues you for damages your standard policy, whether auto or homeowner insurance, doesn’t cover. Plus, tapping into it isn’t as complicated as you think. The claims process is as follows:

1. Contact your insurance company: It’s important you inform your insurance company as soon as an incident happens that might lead you to a claim.
2. Fill out a claim form: Your next step is to complete the form your insurance company provides and fill it in with your necessary personal information about the accident.
3. Gather and document evidence: Do your due diligence and find all the relevant information and evidence you need for your claim.
4. Talk to an insurance adjuster: After you file your paperwork, an insurance adjuster will contact you to discuss the claim details.
5. Claim approval and payment: After your claim is approved, umbrella insurance will cover the incurred costs, including legal fees. 

It’s important to note that, typically, someone will file an umbrella insurance claim against you once the liability limits on your policies are exhausted. That’s why it’s important, more than ever, for you to read your umbrella insurance policy front to back. This will help you better understand your policy coverage, deductibles, and liability limits. If you live in Parkersburg, WV, and have more questions, contact our friendly and knowledgeable agents at Curtis Miller Insurance. We’re more than happy to provide guidance about your umbrella insurance or any other policies you have.

For motorcycle enthusiasts, there are few sensations that match the thrill and freedom of the open road. Yet, that sense of liberation comes with a compromise – the physical vulnerability of riding. That’s why, here at Curtis Miller Insurance, we pride ourselves in ensuring bikers in the Parkersburg, WV area are adequately protected for their two-wheeled escapades.

Safety on Two Wheels: The Role of Insurance

The sheer joy of motorcycling stems from the rider’s unfiltered connection with their surroundings; it’s just you, your machine, and the expanses of the open road. However, that ultimate sense of freedom contrasts starkly with the potential consequences of accidents. The good news? With the appropriate insurance solutions, you can savor the thrill while cushioning the inherent risks.

Why the Right Insurance Matters

Even the most experienced of riders understand that the open road is unpredictable, and accidents, though unfortunate, are a part of the motorcycling landscape. The trick is not to allow the fear of what might happen to rob you of the pleasure of the ride. The right insurance coverage arms you with the protection you need and brings peace of mind – it’s your silent partner riding with you every mile.

Curtis Miller Insurance for Motorcycle Insurance Needs

If you reside in or around Parkersburg, WV, our dedicated team at Curtis Miller Insurance is ready to help ensure your protection on two wheels. Don’t remain exposed to risk; contact us today to discover the range of motorcycle insurance solutions we offer. Let’s keep you protected as you enjoy the ride!

At Curtis Miller Insurance in Parkersburg, WV, we help our customers find the right type and amount of life insurance to provide for their families. Our agency was founded in 1962, and we have the experience you need and require. 

What is the difference between whole life and term life?

Both of these types of life insurance have a death benefit, but that is about all they have in common. Whole life insurance is just that—life insurance for your whole life. It earns dividends, and you can borrow from it if the need arises. Term life insurance has a term, usually 20 years when it is in effect. Ultimately, it goes away, and there is no cash value. 

Can I have more than one beneficiary?

The choice of beneficiary is completely up to you. You can choose anyone you want, and more than one person is OK. You will be asked to assign each beneficiary a percentage of the benefit. 

Can I buy life insurance without a physical?

Yes, you can buy life insurance without a physical, but probably not a large amount, and it will be more expensive than if you get a physical. 

How much life insurance do I need?

There is no one answer to this question. Each person or family has different needs and requirements. You have to consider your personal financial situation when determining what amount of life insurance you need: your income, your number of family members, the age of your dependents, and how much of their support you want to provide. If you have a mortgage, that needs to be taken into account. 

Contact our Parkersburg, WV office to discuss your life insurance coverage. Our agents at Curtis Miller Insurance will be there for you. 

Why You Should Consider Flood Insurance in Parkersburg, WV

Do you reside in a flood-prone area? Even if you’re not, unexpected flash floods can cause significant damage to your home. Standard homeowners’ insurance policies often don’t cover floods. Curtis Miller Insurance can help fill this gap with a comprehensive flood insurance policy. If you’re still indecisive, here are a few reasons to consider flood insurance.

Financial Protection Against Flood Damage

Floods can lead to immense damage to your home and personal belongings, leading to costly repairs or replacements. Flood insurance safeguards you from these out-of-pocket expenses, offering significant financial protection during such unfortunate events.

Speedier Recovery After a Flood

Repairing a home after flood damage can be time-consuming, particularly if you need to accumulate funds over time for the restoration process. Flood insurance can expedite your recovery by offering prompt financial assistance for repairs, allowing you to restore normalcy quickly.

Mandatory for Certain Mortgages

If you’re looking to buy a home in a designated Special Flood Hazard Area (SFHA), your mortgage lender may require you to obtain flood insurance. Having this coverage could be a determining factor in securing your preferred home loan.

Peace of Mind

Regardless of where you live, floods could occur unexpectedly due to severe weather changes, dam failures, or even new construction disrupting water runoff patterns. Flood insurance gives you peace of mind, knowing that even if the worst happens, you’re financially secure.

Secure Your Home with Curtis Miller Insurance

Investing in flood insurance is a wise decision for homeowners, especially those living in flood-prone areas. Reach out to Curtis Miller Insurance today to learn more about how we can tailor a flood insurance policy that fulfills your specific needs.

Every small business is different. Your Parkersburg, WV business is unique and has different needs from other companies. The one thing all businesses have in common is the need for protection. Curtis Miller Insurance can help you assess your risks and liabilities so you have the protection you need.

The Main Kinds of Commercial Insurance

There are some kinds of insurance no business should do without. Even though there is no legal requirement to carry these protections, failure to carry these protections could mean disaster for your business.

General Liability Insurance

Every business should have a good general liability policy. If someone is injured on the property or due to your products or services, your business could be subject to a large lawsuit. Liability insurance doesn’t just offer financial protection; your insurance company will represent you during the claim.

Property/Rental Insurance

You need to protect your business assets directly. Property and rental insurance will cover damages to your building, equipment, inventory, and other items at the company.

You can combine these policies in a Business Owners Policy (BOP) for convenience and to save money.

Other Kinds of Commercial Insurance

There are several other kinds of insurance you may need, depending on what your business does, including:

• Workers compensation insurance, if your company has employees
• Commercial auto insurance
• Cyber insurance, in case of data breaches or cyberattacks
• Professional liability insurance
• Commercial umbrella insurance

Contact Curtis Miller Insurance for More Information

Every Parkersburg, WV, small business is vulnerable to risks, but you can reduce your exposure with the proper protection. If you have any questions about commercial insurance or would like to discuss your policy, please contact Curtis Miller Insurance today.