Why my small business needs commercial insurance

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Owning a small business is the American dream. It also comes with lots of worries. In Kingwood, WV small business owners have the knowledgeable agents at Smith Insurance Agency of West Virginia to help them lessen that worry and get the coverage that is right for them. Commercial insurance is not one size or one coverage fits all, it should be tailored to your particular needs. 

When you own a small business, it has to be able to stay in business in order to make money. If the building where your business is located suffers from an event that damages it or even worse, renders it uninhabitable, you will need to have it repaired or rebuilt if you are the owner. If you are a tenant then you will at least need coverage for your inventory and any items such as machinery or office equipment that belong to you or your business. 

If your business is broken into and items are stolen or vandalized, a commercial insurance policy can help you to replace the items. 

If you have any employees your insurance can help you to provide workmen’s compensation insurance and also protect you from a suit by an employee for harassment or wrongful termination. 

Commercial insurance can also provide liability insurance should someone be injured at your business or by one of your products.  

With all the uncertainty in the world, why let the success of your small business be in jeopardy? In Kingwood, WV the experienced staff at the Smith Insurance Agency of West Virginia are here to help you to protect your business with the right commercial insurance, customized to meet your specific needs. Stop by our office or give us a call for a no-obligation quote.

How to Pick Auto Insurance Around Kingwood, WV

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Driving a car on a daily basis is a necessity for many people in the Kingwood, WV area. If you own a car in this area, there are many important responsibilities that you need to be aware of. One of the most important responsibilities that you will have is to carry auto insurance. There are several factors to take into consideration when you are looking for your next auto insurance policy.

Liability Requirements

When you are looking for your next auto insurance policy, one important factor that you need to consider is whether you have compliance with the state liability requirements. In this state, you will be required to carry a minimum level of property damage and bodily injury liability coverage at all times. If you do not have this level of coverage, you could be cited by law enforcement and possibly lose your driving privileges.

Additional Coverage 

While it is not necessarily required by law, most drivers would also benefit by getting additional collision and comprehensive coverage. The basic liability insurance requirements will not provide you with any coverage for your vehicle. The additional collision and comprehensive insurance that you can receive could provide you with this coverage if your vehicle is damaged, stolen, are you suffer another type of loss to your car.

Whenever you are looking for a new auto insurance policy in the Kingwood, WV area, it would be a good idea to reach out to Smith Insurance Agency of West Virginia to start the process. The professionals at Smith Insurance Agency of West Virginia are very knowledgeable when it comes to auto insurance and the needs of its customers. They can help you get into a great policy that will give you proper coverage and peace of mind. 

Does Your Home Insurance Cover Stolen Packages?

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Many homeowners insurance policies in Kingwood, WV will cover stolen packages. However, you will still have to pay your deductible on stolen items. As such, it may not make sense to file a claim, depending on how much your package is worth. Many deductibles are between $500 and $2,000, so if your package was worth more than your deductible, it could be worth filing a claim with your agent at Smith Insurance Agency of West Virginia to get your money back. If your package is not worth the amount of your deductible, consider the hassle of filing the claim and if there is a possibility of your premiums going up after your claim.

If filing a claim is not worth it, there may be other things to do in order to recover your stolen package. Track your package to make sure it was actually stolen and not just delayed in transit. If it has been delivered, check to see that a well-meaning neighbor doesn’t have it. Sometimes neighbors pick up packages to prevent them from getting stolen in the first place. Next, contact the retailer. Different retailers will have different policies on what happens for stolen packages and may issue a replacement or a refund. If the retailer is unable to help you when filing a claim with the shipping company may work, as well as looking into your credit cards for purchase protection.

There are ways to prevent packages from being stolen, and these may offer you discounts on your home insurance. Installing a security camera can give you some more peace of mind. Security systems may ward off potential thieves but, even if it doesn’t, you then have photo evidence for a police report or claim. Also, be sure to keep your home well lit and even consider using motion detection lighting.

Contact Smith Insurance Agency of West Virginia, serving Kingwood, WV, to get a quote on home insurance.