As your business grows, your needs will change. This includes your insurance. To ensure you have the most comprehensive coverage in terms of commercial insurance, you need to conduct a yearly review. You can work with an agent at Curtis Miller Insurance, serving Parkersburg, WV, to ensure you move forward with the most appropriate protection. Here are a few things to consider as you work on renewing your business insurance.

Have You Moved?

Has your business recently moved to a new location? Maybe you’ve moved across town or out of your backyard shed and into a commercial space. Or maybe you have grown so much in the past year or so and needed to open another location. Whatever the case may be, moving locations warrants a closer look at the renewal time of your commercial insurance. This is true whether you have upsized, downsized, etc. 

Do You Have New Equipment?

Your business insurance premium is based on a number of different factors, which includes the kind of equipment you have. If outdated equipment has been replaced, or if you have added more equipment to your business, it is imperative that you inform your insurance agent. You may also want to consider investing in equipment breakdown coverage to protect you when your equipment fails.

Is There New Staff?

If the number of employees at your company has changed, or if the hours that each employee works has changed, there is a good chance that you need to update coverage for workers’ compensation. As a business owner, you must make sure that all of your employees have sufficient coverage in the event that there is an on-the-job injury. However, at the same time, you don’t want to pay for employees who are no longer with your company.

When it comes time to review your commercial insurance, it can pay off to spend the time to review any changes that have occurred to your business in the last year. For more information, contact the professional insurance agents at Curtis Miller Insurance, serving Parkersburg, WV.

As a business owner, your primary concern is to protect your business assets, which is why you need a commercial insurance policy. Buying commercial insurance protects you from financial losses in the event of an accident or a natural disaster. Commercial insurance is a combination of various coverages. For business owners in Parkersburg, WV, Curtis Miller Insurance ensures you will be protected against the possibility of liability and loss.

Mistakes To Avoid When Purchasing Commercial Insurance

Whether you are a small or large business owner, a commercial insurance policy is crucial and a requirement in most states. Most new business owners make some mistakes when buying commercial insurance policies, and in the long run, these mistakes threaten the financial safety of the business. The following are some of the key mistakes to avoid when buying an insurance policy for your business.

Buying coverage for the building only

It is very important to insure the building your business operates, but it’s equally important to insure the income generated in that building. A commercial insurance policy is meant to compensate you for income losses and physical damage to property if the building becomes unusable.

Choosing low premiums

When buying commercial insurance, most people choose policies with low premiums to save on money. In case of an accident, these low premiums aren’t enough to provide you with sufficient coverages and protect you from financial losses.  Low premium coverages lack important elements of coverage, which won’t be good for your business in the long run.

Not having the right information

When buying a commercial insurance policy, it’s important to do thorough research on the different plans and insurance companies. Be informed about the coverage involved, whether it covers theft, accidents, fraud, and third-party liability, and consult with reputable insurance agents.

When buying commercial insurance for your business, it is vital to assess all the liability risks if you are sued. Your company assets are worth a lot of money, and they should be protected with good liability coverage. The commercial insurance needs of every company vary and change over time, so consult with Curtis Miller Insurance serving Parkersburg, WV to avoid making these common mistakes.

Classic cars tend to carry both a monetary and sentimental value for their owners. Luckily, there is special auto insurance for classic cars. Unlike typical auto insurance, classic car insurance includes some unique stipulations. To ensure you are a bit more familiar with this type of coverage, Curtis Miller Insurance, an insurance company that serves the Parkersburg, WV area, shares a few things you should know ahead of your insurance purchase.

Classic Vehicle Status

Every insurance company has different specifications for what a classic vehicle is, but as a general rule, a vehicle is generally not considered a classic until it is at least a decade old.

Pre-Determined Value

Over time, a regular vehicle will depreciate over time, leaving you with less recompense if your vehicle is totaled in a collision. However, classic vehicles are covered up to a certain amount as long as they are covered under the policy. This limit can be adjusted if the vehicle increases in value. The value will be agreed upon by you and your insurance company and will be based on condition, market value, and the vehicle’s rarity.

Requirements for Storage

A car can suffer serious damage as a result of the elements, which is why most insurance companies will require that classic cars be stored in garages. Luckily, if your classic vehicle is kept in a garage or in another form of a storage facility and not used for a large portion of the year, you may be able to speak to the insurance company about a discount.

Limitations on Driving

Some insurance companies require that you drive your classic car a limited number of miles each year. Some only allow classic cars to be driven to car shows and the like. Therefore, it is important to be familiar with these limitations ahead of time so you can follow the rules. Otherwise, a claim may be denied later on.

Curtis Miller Insurance, serving Parkersburg, WV, can help you insure your classic car. If you have questions or would like to get classic car insurance coverage, contact us today.

People all over the Parkersburg, WV area would benefit by owning their own homes. If you want to be a property owner here, having the right coverage for your home continues to be very important. One type of insurance that all people here need to consider having is flood coverage. You should get a flood insurance plan here for a few reasons.

Coverage Will Protect Home

An important reason for anyone to get a flood insurance plan is that the coverage will protect their home. If you are going to purchase a property, you will want to know that you can offset a variety of risks that could result in property damage. As flood damage can be significant, figuring out a way to mitigate this risk is important. A flood insurance plan will offer specific coverage to offset the risks that can come with flood damage.

Coverage is Often Required

If you live in an area of West Virginia that is in a flood zone, it is likely that you will also be required to carry this insurance. Most mortgage lenders are very aware of the risks that come with flood damage. If your home is considered to be at risk of flood damage, the lender will require that you maintain a flood insurance plan.

When you want to get a flood insurance plan in the Parkersburg, WV area, it is important that you speak with a professional that understands your needs and options. The team with Curtis Miller Insurance continues to be a great resource for anyone that wants this insurance. If you do call Curtis Miller Insurance, you can learn a lot about your various needs and options. This helps to ensure that you choose the best plan possible to protect your property. 

If you own a business, then you know that liability is a big deal. More importantly, enough liability coverage is critical. Curtis Miller Insurance serving the area of Parkersburg, WV can help you navigate your way around the right commercial liability insurance for your business.

Liability is when you are legally responsible for something. When it comes to business, this means that if someone falls over a rug while walking through your shop or factory or is hurt by one of your products, you may be legally liable for the expenses or damages incurred. When you consider liability coverage, think about the 3 Ps. People, places, and products

People

No matter what kind of business you run, on some level there will be other people involved – employees, suppliers, or customers. You need liability insurance for all three. In West Virginia, it is compulsory to have Worker’s Compensation, a type of liability insurance, even if you only have one employee.

Places

Factory, shop, or home office, or even the company vehicle. Are you covered if something unforeseen happens in one of these places and you are legally liable? For company vehicles, specifically, there is additional mandatory liability insurance.

Products

Any business will tell you that they design their products to be as safe as possible. Unfortunately, sometimes accidents just happen. If someone has your product and something goes wrong, are you covered if a lawsuit is brought against you?

Take Action Now!

There is a range of commercial liability insurance options available. These range from general liability, all the way up to additional umbrella insurance. Liability is almost impossible to avoid these days. Do not put your livelihood at risk by remaining uninsured. Speak to Curtis Miller Insurance serving Parkersburg, WV today!

Because auto insurance isn’t free, you might ask why you need auto insurance. After all, you have stayed for years without filing a claim, yet you continue incurring annual premiums. Auto insurance, just like health or commercial insurance, is coverage you wish to have but never use. However, you will thank the insurance gods you had it when a disaster strikes.

If you have been having second thoughts about auto insurance, Curtis Miller Insurance, located in Parkersburg, WV, shares reasons why auto insurance is a must.

It’s mandatory

All motorists in West Virginia are required to carry auto insurance. It’s mandatory to include at least liability coverage in your auto insurance. Failure to have valid auto insurance may lead to license suspension, penalties, and possible jail time. 

It gives you peace of mind

When driving in West Virginia, the experience should be relaxing and stress-free. However, you can’t get this peace of mind without auto insurance. Car insurance keeps you calm, knowing that you, your car, and your family members are protected, regardless of the errors of other motorists.

It protects your asset

Whether your car is old or new, it’s precious to you. And just like any other invaluable asset, you need to protect it. While maintenance is part of the things you do to protect your car, auto insurance should be the other thing you shouldn’t forget when it comes to protecting your vehicle.

It covers medical expenses

Given that car accidents occur daily, it’s not uncommon to sustain auto injuries. Thankfully, auto insurance helps you cover medical expenses following a vehicle accident. While you may have health insurance, MedPay or PIP in your car insurance provides broader coverage. For instance, it covers funeral expenses and partial loss of income that the typical health insurance plan doesn’t cover. 

Buy auto insurance today!

If you would like to enjoy the above auto insurance benefits, it’s time to purchase coverage from Curtis Miller Insurance in Parkersburg, WV. Contact us today for an affordable quote. 

Whether you own a small or big business in Parkersburg, WV, commercial insurance is essential for protecting your business against certain risks. Curtis Miller Insurance takes you through some common types of commercial insurance that you require to protect your business.

General Liability Insurance

It helps protect you in case a third party is injured while at your workplace. Any medical costs arising from an injury plus legal fees if sued are covered under this type of insurance.

Workers Compensation

Even if you own a small business, the moment you employ your first worker, it is good to get this type of insurance. If your employees are injured while working, it will help cover their medical costs and potential legal fees if they sue.

Commercial Auto Insurance

If your company owns a vehicle to help with operations, you will need this type of insurance. It helps protect your employees and your business from any losses that may arise if the vehicle gets into an accident.

Property Insurance

It helps protect the assets of your company like equipment, furniture, inventory, and the building. In the event of a theft, fire, or natural disaster, this policy has you covered against financial losses.

Errors and Omissions Insurance

Also referred to as professional liability insurance, it helps protect a business from a client lawsuit resulting from a mistake that you or your employee has made. This type of policy is prevalent with lawyers, financial advisors, and people in the tech industry.

Business Interruption Insurance

It helps pay for lost income in case you are forced to close a business temporarily due to factors like a blackout caused by the local electrical grid or a significant storm. You can be confident that your business will still stay afloat even after the interruption.

In Parkersburg, WV, business owners can enjoy peace of mind when working with a reliable insurance company like Curtis Miller Insurance. Contact us today to discuss how we can help you protect your company.

Life insurance is a topic that many shudder when it’s mentioned. But because death is a reality, we must talk about life insurance, especially if you have loved ones that depend on your income. Life insurance is a worthy investment that takes care of your financial obligations when you are long gone. Still not convinced about life insurance? Hang on as Curtis Miller Insurance of Parkersburg, WV shares reasons you should invest in life insurance.

For peace of mind

It’s normal for human beings to worry. And there is nothing that keeps you more worried than thinking how your dependents will survive when you pass away. Thankfully, if you have life insurance, you can be sure that your loved ones’ financial liabilities will be taken care of when you die.

To ease the financial burden for your dear ones

When you are alive, you probably have children, aging parents, a spouse, or a disabled sibling that depends on your income. Thankfully, if you have life insurance, this policy replaces your income, enabling your loved ones to pay their bills when you die. While life insurance won’t replace you, it ensures that you don’t leave your dear ones in a financial mess when you pass on. 

To take care of your debts

Do you have a mortgage? Or perhaps you have a credit card or federal student loan? If you die and your loans are outstanding, your cosigners and loved ones will have to repay the loans on your behalf. With your loved ones going through a tough time processing your demise, it will be devastating to add a financial burden on them. Instead, be wise and take life insurance today to take care of your debts.

To ensure your business continues

Life insurance isn’t about individuals only. It protects businesses, too. If you are in a business partnership and die, life insurance buys your partner time as they figure out the next move.

Would you like to buy life insurance in Parkersburg, WV? You are on the right track. Whether young or old, it’s never too late to purchase life insurance. Contact Curtis Miller Insurance, and we will help you plan your life when you are long gone. 

Motorcycle insurance for Parkersburg, WV bikes can provide a high level of coverage protection for a variety of situations. Fully understanding your policy options will make it easier for you to find a provider that meets your needs, ensuring that you are delighted with your overall coverage.

Types of Motorcycle Insurance

Depending on your policy provider, there are many different types of insurance options from which you can choose. Fully understanding your options requires you to grasp just what types they provide and how these different options can benefit you. Just a few choices that you can make when buying high-quality policies from Curtis Miller Insurance and other provides include:

• New Motorcycle Insurance – If your bike is new or like-new, this type of policy will provide payment for various issues.
• Vintage Insurance – When your bike is older or considered vintage or antique, you can bet specialized policies to pay for the damage.
• Moped Policies – Bikes that are street legal but low-power – such as 50cc mopeds – may require specialized policies in some areas.
• Dirt Bikes – Insuring your off-road dirt bike is a good idea if you compete in extreme sports or other types of regular events.
• Other Policy Types – Insurance companies usually provide scooters, customized bikes, sports motorcycles, touring bikes, and even trikes.

Most of the time, your policy will be chosen based on the type of bike that you own. However, you may also get specialized collision, liability, and even some umbrella policies to help protect your bike.

Find a Policy Today

So if you’re interested in a high-quality motorcycle insurance policy that will protect your Parkersburg, WV bike from damage, contact us at Curtis Miller Insurance right away. We will find an option that meets your needs and help you fully understand everything that it covers.

No one will live forever. The statement’s weight is evident when a breadwinner in a family dies suddenly without a proper financial plan for their dependents. While death is a touchy subject, discussing the welfare of your dependence in case of your untimely demise should be a welcome conversation. Life insurance is the solution to your questions on your immediate kin’s interests when you are no longer alive. 

Why You Need Life Insurance?

If you live in Parkersburg, WV, here are some benefits you can derive from our life insurance plan at Curtis Miller Insurance. 

To Protect Your Family and Loved Ones

The welfare of your dependents will be at stake in case of your untimely death. Whether it’s your children or older parents, ensuring their protection is your ultimate responsibility if you are no longer there. Life insurance helps you protect those who depend on your income. It ensures there’s enough money to manage the education and other daily living activities for your dependents. 

To Leave an Inheritance 

It’s not always that you’ll have an inheritance in asset form to leave behind. If you don’t have assets in place to pass on to your heirs, life insurance can bridge that gap for you. Life insurance is a perfect way to set your family up for a stable future. Life insurance can provide your loved ones with a concrete financial plan to meet their future financial needs. 

Get Past Debts and Creditors 

The debts you incur in life can be a real concern for your family if you are no longer available to handle them. What will happen when creditors descend on your family demanding payments for debts owed? Life insurance helps your family manage such an accumulated financial burden when you are no longer alive. 

To Ensure Peace of Mind 

It’s such a relief to know that you have a safe stash of cash somewhere safe. Peace of mind is essential, considering that you don’t know how long you’ll be on earth. You don’t have to endure the fear of the unknown as long as you have life insurance. 

Contact us Today 

Whether you are young or advanced in age, life insurance can help you live a legacy for your dependence. Your immediate family won’t have to worry about education, sustenance, or debts. Our life insurance coverage at Curtis Miller Insurance offers comprehensive coverage for residents in Parkersburg, WV and surrounding areas. 

Contact us today for all your life and other insurance-related needs.