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As you approach your golden years, you may find that your plan to provide for your dependents isn’t as solid as you’d like. In these cases, a customized life insurance strategy from TruePoint Insurance can help you create a better future for those you may leave behind. While age is an important factor, older residents in the Fisherville, KY area still have life insurance options that can build a stronger foundation for their dependents.
Be Realistic
Your age isn’t the only factor agents look at when considering life insurance coverage. Your agent will also look at your:
History of tobacco use
Gender
Health history
High-risk lifestyle activities
Driving record
Senior citizens with the right combination of factors can still find affordable and adequate life insurance coverage. Your insurance agent can help you understand how these factors affect your current options.
Try a Term Policy
Term life policies are contracts that provide coverage for a short period of time. The coverage period can be anywhere from a few months to several years. These contracts come with very specific coverage requirements. Your insurance agent can help you create a contract that covers your most likely scenarios to ensure your dependents receive full payment.
Bulk Up Existing Policies
Your existing life insurance coverage may not be enough to cover current circumstances. In that case, your insurance company may be willing to work with you to expand coverage.
Think About Survivorship Insurance
Survivorship life insurance is a highly flexible option for married couples with dependents. The shared risk generally decreases premiums and maximizes potential benefits. These contracts are designed to pay out when the last covered subscriber passes away.
Find the Best Strategy for Your Family’s Financial Future
TruePoint Insurance agents can help you find the life insurance coverage you need for your family’s future. We offer customized policies for residents in the Fisherville, KY area. Call us to talk about your life insurance options.
A variety of businesses
are routinely operated in homes. This article discusses aspects of particular
operations. Refer to Home Businesses – Basics for background information
on coverage as well as our other articles discussing different in-home
businesses.
Retail – Persons with in-home retail operations must look
beyond an HO policy for coverage.
Home-Based Retail Business owner prepare packages
The Businessowners Policy (BOP) provides broad coverages for buildings, personal property, loss of business income and extra expenses incurred to remain in business (after a fire or other covered cause of loss), premises liability and medical payments. If you have more than $1,000 of goods in transit, you will need to add additional coverage. Goods stored at other locations must be added to the policy, normally as an additional location.
You will need workers compensation coverage for any employee, even part-timers. You may need commercial automobile insurance if you deliver anything or if your vehicle is larger than a car, van or small pickup or if the vehicle is owned by a corporation.
Note: some insurance companies can offer amendments to your homeowners
policy that can cover certain, in-home businesses.
COPYRIGHT: Insurance Publishing Plus, Inc. 2016
All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.
When’s the last time you consider the impact of a street or highway intersection? For us, it was on our first trip to Savannah, Georgia.
Intersections should
be designed with driver and passenger safety in mind. However, In the US,
roughly 2.5 million auto accidents occur in intersections each year. That’s 10%
of the 250 million vehicles in the US.
Solving the
intersection dilemma in a roundabout way
The Dilemma: Intersection or Roundabout
For decades Americans have had a fancy for
cars imported from Europe. US consumers have found numerous reasons to support
their purchase of imported autos. Arguments included performance, economy,
style, and a plethora of other advantages. But the most frequent and compelling
has been safety.
In recent decades America has been importing
another vehicle for auto safety. This time, it’s not automobiles, and it is
considerably less popular with American drivers. Roundabouts, an alternative to
intersections, have long been popular in Europe. Also known as traffic circles,
rotaries, or road circles, they replace intersections.
Turning Left is Dangerous to Your Health
Roundabouts have been slow to catch on in America. Why? I’ve seen some reasons, none of which make sense. What does makes sense are traffic circles:
Speed Slower speeds reduce damage and fatalities
Eliminates Left Turn Why does UPS give drivers routes designed to avoid turning left? Because it reduces accidents and delays.
Energy Efficient Braking to a full stop waste fuel. Starting from a dead stop is even more inefficient.
Trigonometry Eliminates many of the more dangerous angles in which a car can be struck.
Safety Most important, roundabouts lead to improved safety.
The Institute for Highway Safety reports that roundabouts reduce crashes involving injury by 75%. Even more amazing the study reports collisions with fatalities are reduced by 90%.
Coming full circle on street and highway intersections
Why isn’t your insurance agent talking about
roundabouts?
There may be a good reason, but I can’t think
of a single one at the moment.
Insurance agents sell products that indemnify the insured in the event of a loss. Good insurance agents work with prospects and customers to help identify risk. They then provide input and access to effective solutions.
By raising awareness of the safety benefits of
traffic roundabouts, we at TruePoint Insurance believe that we are doing our
part to reduce risk. We’re arming our clients and prospects with the data that
supports traffic circle safety.
Compared to the intersections commonly used in
America, Roundabouts significantly reduce risk. The 37% reduction in overall
collisions may pale in comparison to the 75% reduction in injury collisions.
And while both fall short of a 90% reduction in fatality collisions, this is
still jaw-dropping data.
The agents of TruePoint Insurance encourage
each of you to take a stand. Raising awareness is the path to safer streets and
roads. Saving lives by performing an action that will save money on insurance.
Roundabouts significantly reduce risk when
compared to the intersections used today. The 37% reduction in overall
collisions may pale in comparison to the 75% reduction in injury collisions.
And while both fall short of a 90% reduction in fatality collisions, this is
still jaw-dropping data.
The agents of TruePoint Insurance encourage each of you to take a stand. Raising awareness is the path to safer streets and roads. Saving lives by performing an action that will save money on insurance.
A variety of businesses
are routinely operated in homes. This article discusses aspects of particular
operations. Refer to Home Businesses – Basics for background information
on coverage as well as our other articles discussing different in-home
businesses.
Today’s Landlords are held responsible for their actions
Landlord
The homeowners policy is
designed to cover landlord-occupied residential buildings, landlord-owned
personal property, and loss of rents (after a fire or other covered cause of
loss), premises liability and medical payments. Note that the maximum occupancy
that may be covered under an HO policy is a four-family dwelling. A
dwelling policy may be used for 1-4 family structures that are not also
occupied by the landlord.
For landlords with
residential property containing from five to sixty units,
a Businessowners policy (BOP) is usually appropriate. It insures
buildings, landlord personal property, loss of rents (after a fire or
other covered cause of loss), premises liability and medical payments.
Most Bed and Breakfasts
do not qualify for coverage either in the homeowners or dwelling insurance
program. Bed and Breakfasts will require a combination of tenants coverage for
the resident owner/manager, and a BOP to cover buildings, landlord owned
personal property in boarders’ rooms, loss of business income (rents and fees)
and the extra expense to operate (after a fire or other covered cause of loss),
premises liability and medical payments.
Contracts often drive rental insurance policies
For landlords who have
office or retail tenants, the BOP provides broad coverages for
buildings, landlord personal property, loss of rents (after a fire or other
covered cause of loss), premises liability and medical payments.
Worker compensation is necessary for any employee. Talk with your agent. Most states require workers compensation for resident managers even if you provide only free lodging as payment. Make sure you have certificates of insurance for any subcontractors (painters, plumbers, etc.) you hire to do work for you. If the subcontractor has no insurance, you may be responsible for the subcontractor’s work-related injuries.
COPYRIGHT: Insurance Publishing Plus, Inc. 2016
All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.
Homeowner (HO) policies aren’t meant to insure businesses that are run out of a home. Premiums paid for homeowner’s coverage are for handling losses related to the ownership and use of a residence and related structures. Therefore no liability coverage is available for business activities such as customers who slip and fall on your premises, damage to business property (owned or in your control), injury caused by things you make (product liability), or damage due to services that you promote or provide. It is also unlikely that an insurer would provide a legal defense against business-related claims.
Be sure to speak with your insurance agent before opening a business in your home.
Generally, an HO policy does not provide workers compensation coverage for any employee. Medical expense and liability coverage may be available for workers who are ineligible for worker’s compensation, such as maids, butlers, or nannies, but such coverage only applies if an injury occurs while performing residential tasks.
Example: You send your nanny to deliver copies of your business
proposal and, on the way to the client, she is seriously injured in a fall.
Your policy won’t provide any medical expense coverage for your nanny because
she was performing a business-related chore.
There is no coverage for detached garages, barns, or similar structures on your residence premises if they are used in whole or part for the business.
Example: You store $3,000 worth of equipment and
supplies that you use in your job in your garage and the garage burns down. The
fire loss to the garage becomes ineligible because of its partial business use.
A basic HO policy may
protect certain property. However, the coverage may be limited to as little as
a few hundred dollars. Items qualifying for limited coverage include business
personal property kept in or around your home, business personal property kept
at a location other than in or around your home or landlord’s furnishings. One
way to improve your coverage is to add policy options that do the following:
increase the coverage limits for business personal property
cover garages and other buildings that are rented to others
protect electronic business equipment which is usually used in a vehicle while such equipment is located outside of a vehicle
provide theft coverage for the landlord’s property
acquire limited business personal property and liability coverage for an in-home daycare
cover a condo unit owners’ liability for damage caused by renters
provide premises liability coverage (i.e. a customer slips and falls)
A variety of businesses
are routinely operated in homes. This article discusses aspects of particular
operations. Refer to part one for background information on coverage
basics as well as our other parts discussing different businesses.
Sales Office
Usually, an HO policy does not offer much protection for business property. In fact, available coverage may be up to only $2,500 for personal property used for business and kept on the residence premises. Further, no coverage applies to a business property such as inventory, product samples, or items being held for delivery. Finally, even optional coverage excludes property related to a business conducted on the premises. For example, you are a cosmetic sales rep who also holds make-up parties in your home. For customer convenience, you keep an inventory of cosmetics at home. The HO policy will not cover this property.
If you are a salesperson operating out of your home and have limited inventory, some companies will cover you with a Businessowners Policy (BOP). A BOP provides broad coverages for buildings, personal property, loss of business income and extra expense incurred to remain in business (after a fire or other covered cause of loss), premises liability and medical payments. If you have more than $1,000 of goods off-premises in transit, you will need to add additional coverage. Goods stored at other locations must be added to the policy.
If you cannot qualify for a BOP and a home business endorsement or separate policy fails to meet your needs, your agent will probably have to build a special commercial package policy to handle your business. Commercial lines agents have both the expertise to design the appropriate coverage and access to the markets that offer policies for your sales business.
In part one of this article, we discussed what coverage issues must be considered when running a sales office out of a home. Besides the protection previously mentioned, you will need workers compensation coverage for any employees, even part-timers, and, if you deliver anything or if your vehicle is larger than a car, van or small pickup, you may need commercial automobile insurance. Another reason for buying a commercial auto policy is if any auto is corporately owned.
Professional Offices
Regarding doctors,
attorneys, architects or similar occupations, whether your home office is your
only office or simply a satellite office, you will need to work with an
insurance agent who is familiar with the coverages that are appropriate
for professionals.
BOPs are suitable for
most professional offices and can cover buildings, personal property, loss of
business income, extra expenses incurred to operate the business (after a fire
or other covered cause of loss), premises liability and medical payments.
Consult with your agent
or your professional association(s) for professional liability and errors and
omissions coverage.
COPYRIGHT: Insurance Publishing Plus, Inc. 2016
All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.
Boating season can bring out the best in Kentucky residents, especially those residing around Fisherville, KY. At TruePoint Insurance, we understand the water life and enjoy it with our clients. While we all enjoy days and afternoons out on the water, we also want you to remember three tips to stay safe while out on the water.
Keep Your Life Jacket On
It is not uncommon to travel the Kentucky waters and catch boaters riding without their life jackets. In the event of an accident, the riders could potentially be thrown from the boat. With a life jacket, they will surface to the water and be able to breathe while getting to safety.
Keep the Crowding Minimal
Each boat comes with a weight limit and a capacity amount based upon its size. A common issue that happens with boaters in Kentucky is overloading the boat with either people, supplies, or both, causing it to flip from the stress it is under. If you are planning to use your boat for fishing and hauling equipment, make sure sure that you do not carry too many people out with you.
Leave the Alcohol Onshore
While you are operating your boat, you should not be drinking. The pressure and influence to drink while operating the boat are limited if it never comes onto the boat with your passengers. Leave the alcohol onshore and stock your boat instead with fresh bottled water and sports drinks to keep everyone hydrated while enjoying the water.
Top it Off with Boat Insurance
One of the best ways to secure your boat, however, is to have boat insurance should you find yourself in an accident while out on the water. If you live in the vicinity of Fisherville, KY, call our agents at TruePoint Insurance for more information on our policy offerings.
This
article briefly discusses how a personal auto policy responds to exchange students.
Please be sure to read its companion article, “Exchange Students –
Homeowners Coverage.”
First,
make sure that the exchange student is permitted to drive under the rules of
the exchange student program. If program rules allow driving, contact your
motor vehicle department to make sure that your student has a valid driver’s
license.
Will the exchange student drive your car?
The typical auto policy extends its coverage to any person having your permission to drive a covered vehicle. Your liability coverage will protect the exchange student against damage or injury that he or she causes to others. Coverage to the damage done to your vehicle is also available when you have the appropriate physical damage insurance. Of course, the coverage is subject to your policy’s insurance limits, deductibles, and other provisions.
Medical
payments coverage will apply to the exchange student who is injured in an
accident while occupying or driving your car with your permission. If you
expressly forbid the exchange student to drive your vehicle and the student
disregards your wishes, you may not have insurance coverage if an accident
occurs. Any questions regarding an exchange student’s vehicle use need to be
carefully considered; especially since you will want to avoid having to deal
with uncovered auto losses.
Be very
careful regarding any minor-aged exchange student who is considering buying a
car, truck, motorcycle, RV, boat, moped, scooter or any other vehicle. An
exchange student’s temporary residence status makes it very difficult to get
proper coverage. Student vehicle owners who cause an accident could experience
some complex legal problems. If faced with an exchange student who owns a
vehicle, it is important to get any available assistance from the exchange
student program, including their legal counsel. You should seek your own
qualified legal help to make sure that your interests are protected. The safest
course would be to avoid an exchange student situation that includes an owned
vehicle.
Please check with a qualified insurance professional to thoroughly discuss your coverage needs.
COPYRIGHT: Insurance Publishing Plus, Inc. 2017
All rights reserved. Production or distribution, whether in whole
or in part, in any form of media or language; and no matter what country, state
or territory, is expressly forbidden without written consent of Insurance
Publishing Plus, Inc.
If you own a car in Georgia, the state requires that you meet certain financial standards. For most of us, that means that our vehicles be covered by an auto liability insurance policy. Furthermore, the auto liability insurance limits must meet State mandated requirements.
For most of us, the first thought when our car is involved in an accident is getting it back on the road. How will we replace or repair our own vehicle? For that, you need to have a collision and/or comprehensive insurance coverage. While this coverage is important, it is not the insurance coverage mandated by the State.
Georgia
Auto Liability Insurance
If you are involved in an accident and found to be at fault, you can legally be held financially responsible. This is why you buy personal auto insurance! The Georgia minimum insurance requirements are aimed at protecting other drivers and passengers using the States roads and highways..Your auto liability policy protects other drivers. Specifically, it provides coverage for bodily injury and/or property damage that results from your actions.
As mentioned, you may be held responsible for the full cost of damages, With a personal auto liability insurance policy in place, your insurance company, subject to the specifics of the policy, will be on the hook. However, their requirement ends once the policy limits have been paid.
What does that mean?
It means that the prudent thing is to develop a better understanding of what will happen if the cost of damages exceeds our auto liability policy limits. As a mere insurance agent, I am not qualified to directly answer that. But, commonsense would suggest that at a minimum, inadequately insured auto owners are leaving Pandora’s Box wide open.
The Georgia minimum auto liability insurance requirements are:
• Georgia motor vehicle liability
coverage minimum for bodily injury:
o $25,000 for bodily
injury liability coverage per person
o $50,000 for bodily
injury liability coverage per accident
•Georgia motor vehicle liability
coverage minimum for property damages:
o Georgia auto owners are at least $25,000 for claims made against them as result of damaging the property of others
Georgia’s Car Insurance state-mandated minimums are most commonly stated as:
25/50/25
…or…
$25,000 (BI) per person / $50,000 BI per accident / $25,000 (PD)
Does cheap refer to a Good Deal or a Bad Deal?
Before asking an insurance agent for
the “Cheapest Car Insurance, you got,” consider the following:
• Cheap car insurance more than
likely means you are getting the state-mandated minimums.
• How far will those dollars go if
you are the cause of a severe auto accident?
• Settlement cost seldom equal medical costs. Why? For one, pain and suffering. If you want an estimate for total settlement cost, a good rule of thumb is to multiple medical bills by 3. If your negligence was the cause of a car crash and the other party sustained $10,000 in medical expenses you are looking at $30,000 to settle the claim. $5,000 higher than the state minimum!
• How far will $10,000 go in an
emergency room today?
• How far will the $50,000 per
accident limit go if you hit a car with multiple passengers? What if you are
the cause of a multiple car collision or if the other vehicle isn’t a car but
rather a bus?
Cheap car insurance can cost you in
more ways than you realize. Ever wonder how insurance companies come up with an
auto insurance premium for you and your car?
Your premium is the result of a number of factors. Every car insurance companies have their own unique formula. Each aimed at helping them attract clients and make a buck too. What you may find surprising is that many companies will penalize you if your current insurance limits are the state minimums. Never buy the state-mandated minimum without first considering the cost of better coverage. It’s likely to be less than you think and it will save you in the long run.
In the end, cheap auto insurance may wind up costing you more than you bargained for. Even if you never have an accident! Consider your options, prepare for the worst and be sure that you find an insurance agent the is willing to spend the time to help you through the process.
Businesses price their products to cover the costs of production as well as their labor, sales marketing, and other major expenses. Prices also reflect some post-sales costs such as handling repairs or replacements under warranty. At one time many industries used a pricing strategy for their products that failed to reflect their true costs. A once-popular assumption was that lower prices would promote increased sales and the higher sales volume would make up the cost difference. The strategy wasn’t successful. It hasn’t worked for the auto industry, the computer industry or the insurance industry.
The problems of the
insurance industry became apparent within the turn of the century and were
drastically exasperated by several natural and financial catastrophes. Events
such as terrorist attacks, hurricanes, housing market and banking meltdowns all
substantially affected the insurance industry. The insurance industry’s
attempts to gradually correct their pricing had to be sped up; substantially!
Why are insurance premiums so high?
For much of the 21st
Century, insurance companies have had to handle many more claims being
presented many years after their policies have expired. In the case of
pollution, asbestos and employment practices; the industry is being asked to
handle losses that policies weren’t designed to even cover.
Well, what can a
business owner do to minimize their high insurance cost? Before considering
sacrificing the amount of protection a business carries just to save money,
consider alternatives. Some other solutions would be:
1. Review your coverage:
a. Take a close look at your insurance. Could you increase the
deductibles to lower your premium?
b. Are you carrying physical damage coverage on commercial
vehicles that aren’t worth it?
c. Are you insuring items you could replace out of pocket? Are
there pieces of equipment that are insured when they could be replaced from
operating funds without submitting a claim?
2. Review your exposures:
a. Could you reduce the premium by installing an alarm system or
fire protection system? Would these premium savings offset the cost of the
system?
b. Could you implement safety programs that would reduce the cost
or make the insurance company more interested in providing coverage? For
example: driver safety programs, back to work programs, safety training in
proper use of equipment and job functions.
3. Identify your insurance goals:
a. Do you need an insurance company that can provide loss control
services?
b. Do you need an insurance company that can provide claim-handling
services for your Workers Compensation insurance?
c. Do you need an insurance company that will allow you to make
payments by phone or on-line 24/7?
Shopping and price are
not the only issues in insurance. What you don’t know can cost you more in the
long run than you could ever save in premiums. Discuss your situation with an
insurance professional and make the choice that works for you.
COPYRIGHT: Insurance Publishing Plus, Inc. 2016
All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.
If you own and/or run a smaller business, your insurance needs may be properly handled by a business owners policy (BOP). A BOP is a single form that offers both property and liability protection. Retailers, wholesalers, small contractors, artisan contractors, dry cleaners, restaurants, offices and convenience stores (including those with gas pumps) are eligible for BOP coverage. All such operations may be insured by a BOP as long as they do not exceed the square foot or annual sales limits established for the program. Cooking operations, due to the higher fire and other accident exposures, have significantly more restrictive guidelines.
Property Coverage – BOPs protect buildings as well as the following:
The policy’s protection for business personal property (such as
office equipment, copiers, desks, etc.) applies whether the property is located
inside or immediately outside the covered buildings. The category also includes
property you own, lease or control (i.e., borrow or control) as long as the
property is used by the business.
One item of importance, the BOP does NOT provide coverage for loss
of use of damaged or destroyed property, nor for loss created by an actual or
perceived loss in value of goods after a loss takes place.
Liability Coverage – A BOP’s liability coverage provides comprehensive protection for claims or suits made by other parties. Specifically, it covers losses involving injury to other persons or damage to property that belongs to others. It also provides limited protection against personal injury (slander or libel), advertising injury and losses involving an operation’s products or services.
Naturally, there are certain situations that are not covered by a BOP. For instance, there is no coverage for losses involving most vehicles, money, and securities; illegal property (contraband), land, water, growing crops or lawns; or watercraft.
building additions
(completed or being built)
indoor
and outdoor fixtures
Clothes
Dryers
machinery
and equipment
landlord
furnishings,
mowers, ladder, snowblowers, and similar maintenance property
outdoor
furniture
floor
coverings
Refrigerating
appliances
ventilating
appliances
Cooking
appliances
Dishwashing/Drying
appliances
Clothes
washers
materials,
equipment, and supplies
temporary
structures located near the insured premises
Enhancing Coverage – A BOP may be supplemented to provide additional
protection. Property coverage options include adding insurance for accounts
receivable, valuable papers and records, earthquake, spoilage, etc. Liability
coverage can be expanded to handle additional business interests, limited
vehicle liability, losses related to personnel situations, liquor liability and
injuries to leased employees.
A BOP may be the answer to your company’s coverage needs and it may be worthwhile to get more information on the BOP from the nearest insurance professional.
The BOP provides other coverage than the
protection mentioned in part 1. The following protection can be selected under
the BOP.
Optional Coverages
Outdoor Signs–Payment is available for
direct physical loss or damage to outdoor signs at the described premises.
Eligible signs may be owned by the named insured or owned by others but be in
the named insured’s care, custody, or control.
Money and Securities–Coverage applies to loss
of only the named insured’s money and securities used in its business while
that property is at banks or savings institutions, inside the named insured’s
living quarters, inside the living quarters of a partner or employee, at the
described premises or while in transit between the places referenced.
Employee Dishonesty–The
policy
pays for direct loss of business personal property and money and securities due
to dishonest acts its employees commit, whether they act alone or collude with
others to do so.
Equipment Breakdown
Protection Coverage–Coverage is available for loss or damage directly caused by or
that results from electrical failure or mechanical breakdown to covered
property. Covered property is electrical, mechanical, or pressure machinery and
equipment
Liability Coverage – A BOP’s liability coverage provides comprehensive protection for claims or suits made by other parties. Specifically, it covers losses involving injury to other persons or damage to property that belongs to others. It also provides limited protection against personal injury (slander or libel), advertising injury and losses involving an operation’s products or services.
Naturally, there are certain situations that are not covered by a BOP. For instance, there is no coverage for losses involving most vehicles, money, and securities; illegal property (contraband), land, water, growing crops or lawns; or watercraft.
Enhancing Coverage – A BOP may be supplemented to provide additional
protection. Property coverage options include adding insurance for accounts
receivable, valuable papers and records, earthquake, spoilage, etc. Liability
coverage can be expanded to handle additional business interests, limited
vehicle liability, losses related to personnel situations, liquor liability and
injuries to leased employees.
A BOP may be the answer to your company’s coverage needs and it
may be worthwhile to get more information on the BOP from the nearest insurance
professional.
COPYRIGHT: Insurance Publishing Plus, Inc. 2017
All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without the written consent of Insurance Publishing Plus, Inc.
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