How to Structure Your Home Insurance in Cullman

When it comes to your home insurance, you might be surprised to learn that there’s a lot of leeway when it comes to your policy. Whether you’re living in a one-bedroom, one-bath, or a mansion, you have the power to create a contract that is specific to your needs in Cullman, AL. Insurance Solutions Inc. wants you to know more about how to structure the terms so you’re happy with the coverage you have. 

Consider the Threats 

Every home will have its own set of threats, depending on where the property is located and what occurs within it. For example, a person running a small woodworking business outside of their garage will have different concerns than their neighbor. They’ll need to account for everything from power tool accidents to potential loss of inventory. Whether your home is more likely to be vandalized or impacted by a major storm, the policy should focus on the biggest risks first. 

Think About Tomorrow 

You don’t have to look too far into the future when it comes to taking out specific coverage for your home. After all, you can always renew in Cullman AL. But at the same time, you do need to consider what’s coming down the pipeline. From renovations to big purchases (e.g., new windows, a big-screen TV, etc.), you should be making a list of the deal-breakers when it comes to your property — whether it’s the structure, the grounds, or all of your personal possessions. 

If you have questions about your policy, it’s time to call Insurance Solutions Inc. We offer home insurance for homeowners of every variety, and our staff is happy to help you answer the big questions and clarify the smaller details. Contact us today to find out more. 

Why Companies Should Adequately Insure Their Vehicles

Glass breakage, theft, fire, damage to the vehicle in the event of a collision, bodily injury to the driver, legal protection, loan of a replacement vehicle, and other reasons should force companies to insure their vehicles. An insurance agent at Insurance Solutions Inc. in Cullman, AL can help you to compose the most suitable policy, depending on the age, value, use, and a number of cars involved. It is an obligation for all company motor vehicles to be insured. There should be no exceptions. More specifically, company cars must be covered by a so-called “third party” liability insurance. This means insurance, which provides coverage in the event of damage (material or bodily) caused by the company vehicle, following, for example, an accident, an explosion, or a fire.

Why Insure A Company Vehicle in Alabama?

In addition to damages caused by the company vehicle to third parties, other consequences can arise. For example, the car itself may be involved in an accident, the driver injured and equipment damaged. This is why it may be necessary to choose an insurance policy offering the following guarantees, in addition to third party insurance:

  • In the event of an accident incurring damages, the coverage guarantees coverage
  • If the driver is injured, the company is responsible
  • In some cases, insurance takes care of towing and roadside assistance
  • the guarantee of services such as roadside assistance and towing;
  • Insured coverage of transported items

What About Alabama Company Cars?

Company cars used to transport items differ from company cars used by employees upon employer consent. These are driven to conduct the company’s business, whereas the latter can be used for personal purposes, which means it can be driven from the employee’s home and the workplace if the employer has explicitly given his consent to this. How do employees protect themselves when driving a company vehicle? If you own a vehicle and it is insured, it could provide you with coverage. While an employer could ask an employee to carry insurance on their own vehicle when driving a company vehicle, the company should acquire an insurance policy for full compensation in the event there is an accident.

Types of Alabama Company Insurance

To insure company vehicles in Alabama, there are two options to consider:

  • Insure each company or company vehicle by an individual policy
  • Take out a fleet contract for several vehicles

 The choice of having a fleet policy means that the policy will be easier to manage since everything is under the same policy.

Contact Us

It is important for companies to have adequate insurance coverage to handle work-related accidents in a company vehicle. The company is going to be responsible for any liability claim. This exposes the company’s bottom line and reputation. In addition, it could create conflict between both the employer and employee, which can become a messy situation to avoid. It is recommended that you contact Insurance Solutions Inc in Cullman, AL today to discuss your options.

Things To Consider While Researching Motorcycle Insurance Policies In The Fall

Insurance Solutions Inc. serves the Cullman, AL community by offering residents multiple types of insurance policies. We are committed to helping our clients find personalized coverage that will allow them to live comfortably. As an independent insurance agency, we have established successful partnerships with many of the top carriers in the South.

Researching Motorcycle Insurance Policies In The Fall

Many people throughout Cullman, AL enjoy traveling around the state in their motorcycle while visiting historical landmarks. While you are exploring the state, it’s important that you have protection. Motorcycle insurance will protect you in the event that your vehicle is damaged in a collision or stolen. As the season’s change and the weather starts to transition in the Fall, here are some things to consider while researching different insurance policies.

Make sure that you check your fluids as the seasons change. Having fresh fuel in the tank decreases the likelihood of your motorcycle suffering a mechanical failure. If you plan to put your motorcycle in storage, make sure that you remove the battery. You can amend your policy to cover your motorcycle while it is in storage in the event that it is accidentally damaged.

Consider putting some oil on your exhaust pipes and mufflers so that they will not become rusty while you have your motorcycle in storage. If moisture infiltrates your exhaust pipes, that could cause serious internal damage to your motorcycle. While you may not ride your motorcycle as often during the Fall, it is important to have protection. The risk of inclement weather is higher as the seasons start to get colder. Motorcycle insurance will cover you if your motorcycle suffers damage due to a fire or severe storm.

Insurance Solutions Inc. Will Help You Find Coverage

Visit our website today to learn more information about motorcycle insurance.

What are the benefits of a Cullman boat insurance policy?

In the Cullman, AL area, local residents are used to the long and warm summers. To ensure that you are able to enjoy the summer, you should consider getting a boat as it will allow you to enjoy countless days on the open water. Along with a boat, you should also get a full boat insurance policy. There are several benefits that come when you get boat insurance here. 

Ensures Insurance Compliance

One of the benefits that come when you get boat insurance is that it can ensure that you are in compliance with your insurance obligations. Many people that own a boat are obligated to carry a full boat insurance policy. Any boat lender will require that you have full coverage at all times. Also, to use certain waterways, you will be required to carry liability insurance. It is important that you continue to carry this insurance as long as the requirements are in place.

Covers Asset

You will also benefit by getting a boat insurance policy because it will cover your asset. If you have purchased a boat, you will need to keep it insured in order to protect it. With a boat insurance policy, you can receive coverage in the event the boat is stolen or damaged in an accident or vandalism. 

If you are looking for boat insurance in the Cullman, AL area, it would be a good idea to reach out to the team at Insurance Solutions Inc. When you call the insurance team at Insurance Solutions Inc. you are going to receive more personalized guidance and support. The team will carefully assess your individual needs to make sure you get into a policy that will provide you with the right type and level of coverage. 

How to Make Classic Car Insurance Work for You in Cullman, AL

Do you have an older vehicle that may be considered a “classic car”? If so, you’ll want to look into the classification and if that would make you eligible to receive classic car insurance for it. Then, you can talk to an agent at Insurance Solutions Inc. about how to get started finding the right insurance for you in Cullman AL.  

How Classic Car Insurance Works 

If your car falls under the category of “classic car”, regular auto insurance won’t fit the bill. You’ll need to seek out something that offers specific protection for an automobile like this. 

If you have one of the following types of vehicles, chances are you should have classic car insurance: 

  • Muscle cars 
  • Hotrods/modified automobiles
  • Luxury and exotic automobiles
  • Classic trucks 
  • Classic and antique cars that typically are no less than 25 – 30 years old 
  • Classic motorcycles
  • Antique tractors 
  • Vintage military vehicles 

Not all companies are the same when it comes to their offerings, so be sure to specify what type of vehicle you have at the start. Also, there are some criteria that many insurance companies require such as limited use of the vehicle (which allows for traveling to auto club meetings and car shows usually), that it’s in a secure storage unit when it’s not in use, and that you have a clean driving record (not any serious violations). 

What to Discuss with an Agent 

Be sure to talk about and agree on the value of your classic vehicle. There isn’t exactly a book value when it comes to such vehicles. Also, note that these automobiles almost always gain in value as long as they’re taken care of well and you don’t change much on it that would transform it beyond its status as a classic car or truck. You’ll want to learn exactly what the coverage provides for in terms of repair, replacements, towing, and various other things. 

For all your classic car insurance questions and concerns, give Insurance Solutions Inc. a call. Or, you can reach out by email or directly through the website to find out more about getting this insurance in the Cullman, AL area. 

What Does ATV Insurance Cover?

If you love to ride the Cullman, AL backroads and rough terrains, then you should definitely consider getting ATV insurance. If you don’t know what ATV insurance is and how it can protect your all-terrain vehicle, then you’re in luck. The experts at Insurance Solutions Inc. have put together a handy little guide on ATV insurance basics, what it covers, and why it’s crucial that you have it. Learn the in’s and out’s of ATV insurance with Insurance Solutions Inc. 

What Is ATV Insurance? 

ATV insurance is a type of auto insurance that is designed for all-terrain vehicles. ATV insurance provides financial coverage for you in the case that your ATV is damaged or worse in an accident or similar incident. If you’re unfamiliar with ATV insurance and protection, here are some of the areas in which ATV insurance can provide coverage: 

  • Liability 
  • Property damage from an ATV accident
  • Injury
  • Theft of your vehicle
  • Repair/replacement costs
  • Comprehensive coverage if another driver is uninsured and liable

These are just some of the areas in which you can receive coverage with ATV insurance. The specific coverage type and the amount will depend on which ATV insurance policy you choose. To help you find the right ATV insurance policy, visit Insurance Solutions Inc. for a consultation. 

Why Is ATV Insurance Important? 

You may not think about getting into an accident when you’re cruising the Cullman AL backroads. However, you’re just as likely to get into an accident driving on rougher terrains as you are on the highway, even if there are no other drivers around. The terrain is rougher, often unknown to drivers, and there can be animals out and about. It’s better to have coverage and never need it than it is to never have coverage and find yourself needing it. 

Stay Covered with Insurance Solutions Inc.

When it’s time to choose the right ATV insurance policy for you, visit Insurance Solutions Inc. for a consultation. Our office serves the Cullman, AL area. 

Do you need umbrella insurance for your Alabama-based business?

You have put your blood, sweat, and tears into your business and it is your livelihood and your passion. While you probably already have insurance to protect your business, you may want to consider the many added protections that are provided through an umbrella insurance policy.

Umbrella Insurance

An umbrella insurance policy adds several extra layers of liability protection for you and your business, not to mention the additional peace of mind it also will give you. Your umbrella insurance policy kicks in and provides extra coverage in addition to the business insurance you already have. Umbrella policies can also be added to your home and auto insurance policies also.

If a customer is injured while visiting your business or while on your property and sues you, your umbrella policy will offer the added protection you need to keep your business and other assets in check. It will pay for the customer’s medical bills and other expenses after your other insurance benefits have been exhausted. Your umbrella insurance policy can also cover your legal fees while you are embroiled in a court case.

If your employee has an accident while driving one of your business’ vehicles, your umbrella policy will cover bills and expenses associated with the crash in addition to your commercial auto insurance policy and general liability policy. An umbrella insurance policy can also pick up where your employer liability policies leave off too.

You can pick and choose the type and amount of umbrella insurance coverage you need for you and your situation. To obtain the best umbrella insurance policy for you and your business, you will need to enlist the assistance of an experienced and knowledgeable umbrella insurance agent. Call today for an appointment with a trusted agent to assist you at Insurance Solutions Inc. in Cullman, AL.

Importance of ATV Insurance Coverage

ATVs can provide a lot of fun and excitement for the entire family. At the same time, you may be concerned about the safety of your ATV or the risk of ATV accidents. ATV insurance from Insurance Solutions Inc. can help alleviate these concerns so you can enjoy your toy to the full. Here’s what you can expect from ATV insurance coverage.

Protection against Accidents

If you’re planning to ride your ATV only on your Cullman, AL property, you can add it to your home insurance for protection against theft and accidents. If you’re taking your 4- wheeler on the road for beach or trail riding, you can benefit from the protection that ATV insurance has to offer.

ATV policies offer liability and collision coverage to protect you against accidents. Liability insurance covers injuries and damages to others in accidents that are your fault, so you don’t have to cover these expenses on your own. Liability coverage also protects you from being sued if you seriously injure someone in an ATV accident. Collision insurance covers damage to your ATV if you crash into another vehicle or object.

Protection against Theft

If you’re worried about someone stealing your ATV, ATV insurance offers comprehensive coverage to protect your vehicle from theft. Comprehensive also covers damage to your ATV from fire, bad weather or vandalism.

Financing your ATV?

If you’re financing your ATV, your lender may require you to obtain collision and comprehensive coverage to protect his investment.

Trailering your ATV to Unbeaten Paths?

ATV insurance will protect your 4-wheeler as you transport it to different locations to give you peace of mind on the road.

To learn more about ATV insurance coverage and costs, call or visit Insurance Solutions Inc. today. For your convenience, we serve residents in Cullman, AL, and surrounding communities.

Coverage Features to Look for When Choosing a Commercial Insurance Policy

Business owners in the greater Cullman, AL area can rely on Insurance Solutions Inc. for all of their commercial insurance needs. If you are just getting your business off the ground, or if it is time to review your in-place policy, we can help. Our clients have benefited from our knowledge and expertise over the years, and now we would welcome the opportunity to help your business too! Let’s take a closer look at a few of the features that might be right for you.

Important Commercial Insurance Policy Features to Have

Here are a few features to consider when choosing your policy:

  • Business Interruption – if a covered event knocks your business offline, business interruption coverage can be the difference between going under and succeeding well into the future. This feature can be overlooked, but it can make coming back after a catastrophe a lot easier and a lot more likely. 
  • Inventory and Equipment – specialty equipment can be vital to your company, and it’s important to have the right level of coverage. Inventory is another important part of many businesses, and it should be calculated at its highest level when you are determining the amount of coverage that you need.
  • Fleet Coverage – if your business relies on its vehicles to get the job done, fleet insurance is a great feature. It can be more cost-effective while also providing the coverage your company needs to keep running, no matter what may happen.

Is it time to upgrade your current policy, or are you just getting started in the Cullman, AL area? Whatever your commercial insurance needs, Insurance Solutions Inc. is here to help you meet them. Call or stop by today and find out how we can help you protect your business!

Does Home Insurance Cover Visitor Accidents on My Property?

With home insurance, you can get different types of coverage to protect your home, valuables, and personal assets. These include dwelling, property, and liability coverage. Liability is the coverage that protects you against accidental injuries that may occur on your property. Here’s how liability insurance from Insurance Solutions Inc. can benefit you.

Protection against Accidents

Like most Cullman, AL homeowners, you probably have friends over to your property from time to time for special dinners or holiday parties. If a friend’s injured in an accident while visiting your home, you may be held liable for their medical costs. Liability insurance covers accidental injuries, saving you from having to pay for these bills on your own.

Kitchen mishaps, slips, and falls and dog bites are just a few of the many mishaps that can happen in a home. A serious accident can take a toll on your finances if you had to pay for accidental injuries on your own. That’s why it’s important for Cullman, AL homeowners to include liability coverage as part of their home insurance package.

Protection against Lawsuit

If you’re sued for damages due to an accident on your property, liability insurance will help cover your legal costs. This includes legal fees and cost of settlement, if you lose the lawsuit, up to the limits of your policy.

The more assets you have, the greater your need for liability coverage. Serious liability claims can deplete your savings or retirement funds or cut into your financial investments if you had to resolve these claims on your own. By purchasing sufficient liability coverage to protect your assets, you can be prepared for mishaps that may occur in your home.

For more information on home insurance coverage and costs, contact Insurance Solutions Inc. today.