Purchasing commercial insurance can be a complex process. Understanding all available coverage is essential to ensure your Parkersburg, WV business is covered in an accident or disaster. One type of coverage that may benefit some companies is an umbrella policy, which provides additional protection beyond a standard commercial insurance policy. Let’s take a closer look at why you might need an umbrella policy from Curtis Miller Insurance and how it works.

What is an Umbrella Policy?

An umbrella policy is an additional type of insurance that provides extra coverage over and above your existing liability coverage from your standard commercial insurance policies, such as general liability and property damage. An umbrella policy also covers any gaps in your current coverage, providing additional protection from loss due to accidents or disasters. For example, suppose your business experiences a situation where the cost of damages exceeds the limits of your standard commercial insurance policies. In that case, an umbrella policy may help cover those costs up to its limits.

Do I Need an Umbrella Policy?

Whether or not you need an umbrella policy depends on the type and size of your business and the risks associated with it. Suppose your company has higher-than-average risks, such as working with hazardous materials or operating in areas prone to natural disasters. In that case, extra liability protection could be invaluable if something goes wrong. Additionally, if you have significant assets that could be at risk if damages exceed your existing coverage limits, having extra protection with an umbrella policy could save you from financial ruin should something unexpected occur.

If you think that you might benefit from this extra layer of security against potential losses due to accidents or disasters, contact Curtis Miller Insurance today for more information about how our team can help protect your business with comprehensive insurance solutions tailored specifically to meet the needs of Parkersburg, WV area businesses like yours!

Many people love cars in the Parkersburg, WV area, and owning a classic car can be a dream and goal for car lovers. If you are an owner of a classic car in West Virginia, you will want to know that you are protecting it well with insurance. There are various reasons why someone here should want to get a class car insurance plan when purchasing a classic car.

Protect Your Investment and Asset

A good reason for anyone to get a classic car insurance plan is to protect their asset and investment. If you choose to buy a classic car, you will be purchasing an asset that can increase in value. This differs from other types of vehicles that tend to decline in value over the years. If you get the right insurance through a classic car insurance policy, it will give full coverage for the collectible value of the vehicle.

Comply with Liability Requirements

It would be best if you also got classic car insurance to comply with your liability insurance requirements. If you choose to drive a car in this state, you will undoubtedly need liability insurance to drive it, even if you only drive it sparingly. A classic car insurance plan will build a liability policy that factors in your typical mileage driven. 

If you want a classic car insurance plan in the Parkersburg, WV area, it would be a good idea to assess your options carefully. There are a lot of choices to make when looking for coverage, and Curtis Miller Insurance can help you create an ideal plan. Curtis Miller Insurance understands the value of this coverage and will help you build an ideal policy that can meet your needs. 

Any home, regardless of location, can be subject to flooding. No home is safe. If it rains, it can flood. However, Curtis Miller Insurance of Parkersburg, WV is available to provide the insurance coverage you need to protect your property.

It is considered a flood when there is an excess of water on land that is typically dry, affects two or more acres of land, or affects two or more properties.

Did you know that just one inch of water can result in more than $25,000 in damage? A flood insurance policy can mean the difference between total recovery and financial ruin. You will be protected if there is a major hurricane event or just one or two inches of water.

Several factors are considered when the annual flood insurance premium is calculated. Factors such as:

• Flood zone or risk
• Type of coverage desired for building and contents
• Deductible amount
• Location of the structure
• Age and design of the home
• Location of the home’s contents, for example, are the utilities elevated?

Flood insurance will cover water damage caused by flooding. Water damage is described as any loss caused by water intruding where it will cause a breakdown in materials, such as the rotting of wood, the growth of mold, rusting of steel, the growth of bacteria, the swelling of composite wood, the delaminating of plywood, or short-circuiting of electrical devices, etc. Damage caused by a sewer backup would be covered if a direct result of the flooding.

Flooding cannot only be an emotionally devastating event but a financially devastating one as well. Flood insurance will enable you to recover fully and faster. Don’t be the victim of a flood disaster. Contact Curtis Miller Insurance of Parkersburg, WV to purchase your policy today.

Parkersburg, WV area business owners can contact the Curtis Miller Insurance team with their insurance needs, questions, and concerns. Looking closely at your current commercial policy before making a large purchase is always a brilliant idea. Let us help you determine the right policy for your needs!

Double-check commercial policies before making large purchases

Purchasing large equipment is often lengthy as it constitutes a serious investment. In addition to determining the right equipment to buy, you’ll also want to ensure that your firm has the proper protection. It may be time to upgrade your policy based on your current policy limits.

Having the right type and correct amount of insurance in place is an important part of responsible business ownership. As a company grows and changes, so too do its insurance needs. This is why it’s advisable to conduct a thorough policy review regularly, perhaps once every six months.

When more equipment is being acquired, it can bring your insurance needs over the upper limit of your policy coverage. This is why it is essential to review current insurance policies thoroughly before finalizing a large purchase. A hefty equipment purchase can also create a need for higher liability protection. All of these factors should be discussed with your local agent to protect the company.

Business owners can rely on us. 

Curtis Miller Insurance proudly serves the greater Parkersburg, WV area business community. If you have questions about how a commercial insurance policy can help protect your business, give us a call today. We look forward to working with you.

Depending on your business and the nature of your coverage, you may want to review your commercial insurance policy every year or every few years. 

What you want to look for is any changes to the policy that may affect your business. If any new risks have been added to your insurance policy, be sure to discuss these with your insurance provider. If living in Parkersburg, WV, consult Curtis Miller Insurance.

What More to Know 

Depending on your business needs, you may choose to have your commercial insurance policy reviewed yearly, quarterly basis, or whenever you feel necessary. 

Commercial businesses should review their insurance coverage at least once every 12 months. This is important for two reasons. First, it’s a good time to confirm that your policy is still in effect and covers the risks at your business. Second, it’s a good time to review your policy and consider any changes you might want to make. 

Commercial insurance policies come with a set term, usually between one and three years, and you’ll need to renew your policy before it expires. At the end of the renewal term, it will be time to review your coverage and decide if you want to keep the same policy or change to a new one. 

Your agent or broker is the expert on your business, and they will likely provide you with a commercial insurance policy renewal schedule. At the end of each term, you’ll get a renewal notice with the new term and any changes to your coverage. 

Key Takeaways 

Call your agent or broker to discuss your coverage if you don’t receive a renewal notice. If you’re not working with an expert, schedule regular meetings with yourself. 

You can do this by writing down all the items that need to happen at the end of the term and then scheduling a meeting with yourself at the end of each period. For assistance in Parkersburg, WV, call or visit Curtis Miller Insurance.

If you are sued, and the legal and settlement costs exceed your conventional liability coverage, your savings and assets could be on the line. But if you have umbrella insurance, you don’t have to worry because this coverage takes over after the underlying coverage has been exhausted.

Regrettably, umbrella insurance is one of the most misaligned insurance policies. If you aren’t careful, your judgment may be clouded because of the misinformation about umbrella insurance. At Curtis Miller Insurance, we always want our clients to buy insurance policies when they have the correct information. You need to know four facts before purchasing umbrella insurance in Parkersburg, WV.

Fact#1: Umbrella isn’t as expensive as most people claim

You may have heard this many times — umbrella insurance is super expensive and out of reach for most people. The reality is that umbrella insurance is insanely affordable given the high coverage it gives you. Umbrella insurance is affordable because it picks off where the underlying coverage leaves off.

Fact#2: Umbrella insurance is ideal for anyone earning a livelihood

Most folks say that umbrella insurance is for the super-rich only. The reality is that this coverage is perfect for anyone with a livelihood. Since we are all at risk of lawsuits in America, you had better invest in umbrella insurance to safeguard your assets and savings.

Facts#3: Umbrella insurance isn’t offered as stand-alone insurance

Umbrella insurance doesn’t exist on its own — this coverage rides on other existing coverage policies, such as a boat, home, or business insurance.

Facts#4: Umbrella insurance is liability coverage

Because of its name, most people think that umbrella insurance covers them against all risks. The truth is that umbrella insurance covers you against liability claims. It protects you when third parties accuse you of bodily injury or property damage.

If you need to learn more about umbrella insurance in Parkersburg, WV, please contact Curtis Miller Insurance for more information.

If you are sued, and the legal and settlement costs exceed your conventional liability coverage, your savings and assets could be on the line. But if you have umbrella insurance, you don’t have to worry because this coverage takes over after the underlying coverage has been exhausted.

Regrettably, umbrella insurance is one of the most misaligned insurance policies. If you aren’t careful, your judgment may be clouded because of the misinformation about umbrella insurance. At Curtis Miller Insurance, we always want our clients to buy insurance policies when they have the correct information. You need to know four facts before purchasing umbrella insurance in Parkersburg, WV.

Fact#1: Umbrella isn’t as expensive as most people claim

You may have heard this many times — umbrella insurance is super expensive and out of reach for most people. The reality is that umbrella insurance is insanely affordable given the high coverage it gives you. Umbrella insurance is affordable because it picks off where the underlying coverage leaves off.

Fact#2: Umbrella insurance is ideal for anyone earning a livelihood

Most folks say that umbrella insurance is for the super-rich only. The reality is that this coverage is perfect for anyone with a livelihood. Since we are all at risk of lawsuits in America, you had better invest in umbrella insurance to safeguard your assets and savings.

Facts#3: Umbrella insurance isn’t offered as stand-alone insurance

Umbrella insurance doesn’t exist on its own — this coverage rides on other existing coverage policies, such as a boat, home, or business insurance.

Facts#4: Umbrella insurance is liability coverage

Because of its name, most people think that umbrella insurance covers them against all risks. The truth is that umbrella insurance covers you against liability claims. It protects you when third parties accuse you of bodily injury or property damage.

If you need to learn more about umbrella insurance in Parkersburg, WV, please contact Curtis Miller Insurance for more information.

Motorcycle accidents are a common occurrence, and their injuries can be severe. This is why it’s important to have motorcycle insurance, which can help you cover the costs of medical expenses and other damages in the event of an accident. However, there are some myths about motorcycle insurance that can lead people to make uninformed decisions about whether or not to buy it. This article will debunk four of the most common myths about motorcycle insurance.

Myth 1: My health insurance will cover my medical expenses if I’m injured in a motorcycle accident

Reality: Health insurance policies vary widely in what they cover, and some do not include coverage for injuries sustained in a motorcycle accident. Even if your health insurance policy does cover motorcycle accidents, you may still have to pay a deductible or co-payment.

Myth 2: I don’t need motorcycle insurance because I have car insurance

Reality: Motorcycle insurance and car insurance are two different types of insurance, and they provide different types of coverage. Your car insurance will not cover you if you’re in a motorcycle accident.

Myth 3: Motorcycle insurance is too expensive

Reality: The cost of motorcycle insurance depends on various factors, such as the type of bike you have, your riding history, and where you live. However, there are a variety of motorcycle insurance policies available, and you may be able to find one that fits your budget.

Myth 4: I don’t need motorcycle insurance because I’m a safe rider

Reality: Even the safest riders can get into accidents, and having motorcycle insurance can help protect you from the financial consequences of an accident, such as medical expenses and repair costs.

Get Motorcycle Insurance in Parkersburg, WV 

If you’re considering whether or not to buy motorcycle insurance, be sure to do your research and consult with an insurance agent from Curtis Miller Insurance to find the right policy for you. And don’t let myths about motorcycle insurance dissuade you from getting the coverage you need. Call us today for a free quote.

When you think about life insurance, maybe the first thing that comes to mind is death. But the truth is, life insurance is about much more than just death. It’s about protecting your family and ensuring their future security, no matter what happens. Here are a few ways life insurance can help you and your loved ones.

1. Provides Financial Security After Death

One of the biggest benefits life insurance provides is peace of mind. You won’t have to worry about what will happen if you die suddenly because your family will receive a payout from your life insurance policy. They can use it to cover financial burdens such as burial costs or ongoing bills. They can also use the money to pursue their dreams.

2. Helps Pay Off Debt in the Event of Death

Another benefit in the event of death is that your loved ones can use the payout to pay any debt, such as credit card or student loan balances. This can help ease their minds and lighten their financial burden after you’ve gone. If someone else took out a loan in your name, life insurance could also help cover the loss.

3. Fund College for Your Kids

Life insurance can provide money to help pay for your children’s college education. The payout amount will vary based on different factors, such as how many years you’ve been paying premiums and what type of policy you have. However, it could be a great way to give your children a head start in life and ensure their future is filled with opportunities.

Life insurance can help your family deal with financial issues that may arise due to death. Curtis Miller Insurance can help you find the right policy in Parkersburg, WV, for your needs and budget. Call us today to learn more.

Those living in the Parkersburg, WV area should consider purchasing and owning a home. While there are various benefits that come with being a property owner, there are risks too. Fortunately, many risks can be mitigated with insurance. An important form of insurance coverage that people here need to get is flood insurance, which can help protect against this risk. 

Insurance is Needed to Cover Home

A primary reason that those in this area will need flood insurance is to protect their home. There are a lot of risks that come with owning a home, particularly if it is located in a flood zone. As the damage caused by a flood can be significant, getting flood insurance is a great option. With this support, you will know that you have coverage if your home is damaged in a flood. As many home insurance plans offer limited flood coverage, this makes the plan a necessity for some.

Coverage Required by Lenders

Those that are located within a designated flood zone are also going to need to carry flood insurance by their mortgage lenders. Any mortgage lender will require that their borrowers obtain proper coverage for their homes. If yours is located within a flood zone, this will also mean getting a proper flood insurance plan. Your lender is also likely to escrow your payments each month, which will ensure you do not fall behind on payments.

People that are in the Parkersburg, WV area need to ensure they get a proper flood insurance plan. As you are looking to get this coverage here, calling Curtis Miller Insurance is a great idea. The team with Curtis Miller Insurance can help you carefully evaluate all of your insurance options. This can help ensure you are able to choose a quality plan.