How Umbrella Insurance Can Protect Your Assets Beyond Your Primary Policy Limits

Umbrella insurance offers an extra layer of protection for your assets beyond the limits of your primary policy. Having this additional coverage can provide you with peace of mind knowing that you are well-protected in the event of a serious accident or expensive lawsuit. Insurance Solutions Inc., serving the Cullman, AL area, offers umbrella policies to help protect what you value most.

Examples of How Umbrella Insurance Can Cover You

Umbrella insurance is an additional layer of liability coverage that protects you from catastrophic losses, such as a major lawsuit or accident where the damages exceed your primary policy limits. It can provide coverage for legal defense costs and judgments in excess of the limits on your primary policy. Here are some examples of how umbrella insurance can cover you:

  1. Bodily Injury and Property Damage Liability: Umbrella insurance covers damages caused by your negligence, such as a car accident where you are at fault or if someone gets hurt on your property.
  2. Personal Injury Liability: If a guest to your home is injured due to your negligence, umbrella insurance will cover the medical bills and any legal costs for litigation that may follow.
  3. Defamation Liability: If an allegation of libel or slander is made against you, umbrella insurance can provide coverage for both legal defense costs and judgments in excess of the limits on your primary policy.
  4. Employer’s Liability: If you own a business and an employee is injured while at work, umbrella insurance can provide coverage for medical bills, legal defense costs, and judgments that exceed the limits of your primary policy.

Final Thoughts

Umbrella insurance helps protect what you value most from being exposed to potentially ruinous financial losses. Insurance Solutions Inc., serving Cullman, AL area, offers umbrella policies tailored to meet your individual needs. Let us help put your mind at ease with expert advice on how we can best protect you with our umbrella insurance solutions.

RV Maintenance Tips For The Summer

Getting the most out of your RV ownership will depend heavily on how you take care of the vehicle. Before heading out for your summer road-tripping this year, check out these RV maintenance tips from Insurance Solutions Inc., serving Cullman, AL, and the surrounding areas. 


It is important that you make sure your HVAC system in the RV is in good working order. The last thing you want on a road trip is no air conditioning. The HVAC system on an RV is very similar to that of a home. The filters need to be changed regularly, and the entire system will need a tune-up once a year or so. 


Awnings might be the last thing you consider when thinking about maintenance, but awnings need to be checked out about once a year. You should check the awnings for rips, tears, or weak spots. These should be repaired before you head out on your next trip. 


If you have had your RV for a while, you need to inspect the roof for damage. Because an RV might spend a lot of time each year parked, it is susceptible to roof damage. Be sure to have this fixed before getting out in the RV. 

Mechanical Maintenance

You should have your RV checked out by a mechanic before heading out on any extended trips. You want to ensure that all vehicle fluids are right and that there are no major mechanical problems. If there are issues, be sure to get those fixed, no matter how small. 

If you would like to learn about our RV insurance services, please get in touch with us at Insurance Solutions Inc., serving Cullman, AL, and the surrounding areas. 

Does ATV insurance cover falling through ice?

Winter activities are limited in Cullman, AL, so it’s tempting to look for an icy vacation to see what you’re missing. If you take your ATV north for some winter fun, you need to know your ATV insurance policy’s specifics and whether it will cover falling through the ice while riding it. Insurance Solutions Inc. explains what you need to know.

What Is Included in Your ATV Insurance Coverage? 

The answer to this question depends on your chosen coverage type. Most comprehensive ATV insurance policies cover your vehicle if there is damage due to collisions with other vehicles or objects, as well as damage caused by weather events such as hail, flooding, and high winds. They also provide personal injury protection if you are injured while operating your ATV. However, most policies do not include coverage for falling through ice unless expressly noted in the policy language. 

Additional Coverage Options For Riding On Ice 

In addition to considering what is included in your existing ATV insurance policy, other options may provide additional coverage for riding on ice, including adding a rider to your current policy that provides additional protection against unexpected events such as falling through ice while operating an ATV. Additionally, many companies offer special travel policies or short-term vacation coverage. 

If you have questions about whether or not your current policy in Cullman, AL covers riding on ice and would like more information about specialized policies designed for winter activities like ice fishing and snowmobiling, contact Insurance Solutions Inc. today! They will be happy to review your existing policy with you and help find ways to ensure that your winter outdoor adventures remain safe and covered!

Comprehensive Vs. Liability Auto Insurance and How to Choose

There are some significant differences between liability only and comprehensive auto insurance coverage. Our insurance agents at Insurance Solutions Inc. in Cullman, AL have the expertise to help you decide which type of coverage is best for your situation.

Liability Coverage 

  • Covers damage to other vehicles involved in an accident with you when you are at fault. This type of coverage does not cover your vehicle. This is referred to as property damage liability coverage, which is included in all liability policies.
  • It covers injuries to other drivers, passengers, pedestrians, etc., due to an accident in which you are at fault. This type of coverage does not cover your own injuries. This is referred to as bodily injury liability coverage, which is also included in all liability policies.
  • Liability insurance coverage is mandatory in virtually all states.

Comprehensive Coverage

  • It covers damage to other vehicles in an accident in which you are at fault and covers damage to your vehicle.
  • It covers injuries to other drivers, passengers, pedestrians, etc. in the case of an accident in which you are at fault and covers your injuries.
  • Covers damage to your vehicle outside of an accident, such as hail damage, theft, fire, vandalism, etc.
  • Comprehensive coverage is legally optional in all states. However, many lenders will require it if you have financed or leased your vehicle.

Factors influencing your insurance choice include whether you own, lease, or finance your vehicle, how often and far you drive your auto, and even where it’s parked at home and work. Call us today to speak to one of our agents at Insurance Solutions Inc. in Cullman, AL to determine which auto coverage is best for you.

Tips for making your home a safer place

Safety in the home is a major concern. Some simple changes can decrease the chances of an injury occurring in your home or your home causing an injury. At Insurance Solutions Inc. in Cullman, AL, we offer complete insurance services to our customers. As independent insurance agents, we work for our customers and put their needs first. 

Have a smoke and carbon monoxide detectors. 

Having smoke and carbon monoxide detectors on every level of your home can save lives. Not only should you have them, but you need to check the battery backup every six months. Some people opt to change the batteries when the time changes. This doesn’t require a reminder. 

Clear the clutter

Trip and fall accidents can cause serious injuries and even death. Keep clutter off the stairs and out of hallways to avoid danger. The elderly and young children are particularly vulnerable to this type of accident. 

Keep poison out of reach.

Many things that we use every day are poisonous if they are ingested. Children and pets are more likely to end up with something in their mouths that doesn’t belong there. Keep all medication secure and out of reach. Store chemicals and cleaners under lock and key if possible. 

Use your door and window locks.

Locks are placed on windows and doors to provide security. They can only do that if you use them. Ensure the window locks are all secure, and use the deadbolt on your door. 

Don’t skimp on the lighting.

Keep exterior lights on or add motion detector lights. Inside, make sure that you are not stumbling around in the dark. That can be dangerous. 

Contact us

Call Insurance Solutions Inc. in Cullman, AL, or stop at our office for a no-obligation quote. 

Types of Motorcycle Insurance

Motorcycle insurance is similar to auto insurance in many ways. However, there are some differences you should be aware of. We offer motorcycle insurance coverage at Insurance Solutions Inc in Cullman, AL. 

Liability Coverage

Registering your motorcycle and getting a license plate in Alabama requires liability coverage. 

Motorcycle liability coverage includes bodily injury liability and property damage liability. 

  • Bodily injury liability covers injuries to a driver and passengers of the other vehicle involved in the accident if you are at fault. This may include medical expenses and lost wages. 
  • Property damage liability covers damage to another vehicle or damage caused to another person’s property if an accident is your fault. 
  • Uninsured motorist coverage is also included in a liability policy. If the other person is at fault and doesn’t have enough insurance, this policy will cover your damages. 

Collision and Comprehensive Coverage 

Collision and comprehensive coverage are typically called full coverage insurance. This coverage isn’t required by law. However, lenders typically require this coverage to protect the motorcycle as collateral. 

  • Collision insurance covers damage to your motorcycle if an accident is your fault or no-fault. The policy will repair your bike or cover its value if totaled. 
  • Comprehensive coverage protects your investment when you aren’t on the road. It covers damage that doesn’t occur when the motorcycle is in motion. This includes vandalism and theft. It also covers natural incidents, like a tree falling on your bike. 
  • Full coverage insurance also includes medical payments coverage. This will cover the medical expenses of you and any passengers that are injured in an accident. 

Motorcycle Insurance with Insurance Solutions Inc

If you need motorcycle insurance in Cullman, AL, contact us at Insurance Solutions Inc. Our friendly agents will discuss your coverage options and help you select the best policy for your needs. 

Safe driving tips for Alabama

Driving is an integral part of everyday life, so it’s important to practice safe driving habits here in the Cullman, AL area, and everywhere. Here are a few tips from us at Insurance Solutions Inc. to help you stay safe while on the road: 

  1. Obey traffic laws – Ensure you know all local driving rules and laws. This includes following speed limits, stopping at stop signs and properly yielding when necessary. 
  2. Avoid distractions – Distracted driving is one of the leading causes of accidents, so it’s important to put away your phone, adjust your radio before driving, and keep your eyes on the road at all times. 
  3. Be prepared for sudden stops – Always leave enough space between yourself and other cars so that you have plenty of time to slow down if someone stops suddenly in front of you. 
  4. Take regular breaks – Sometimes, even the most experienced drivers can become fatigued after long hours on the road, so take frequent breaks if needed and get plenty of rest before getting back behind the wheel. 
  5. Check the vehicle before starting – Before hitting the road each day, check your vehicle’s oil levels, tire pressure, brakes, and lights to ensure that everything is working correctly and that you can drive to your destination safely. 

By following these simple safe driving tips, you can help reduce the risk of being involved in an accident or receiving a ticket. For more information, give us at Insurance Solutions Inc. a call today. We are proud to serve the Cullman, AL area. Drive safe!

How Commercial Insurance Can Benefit Your Alabama Business

As a business owner in the Cullman, AL area, you know there’s an assortment of risks associated with running a business. From property damage to employee injuries, these risks can have serious implications for your bottom line. That’s why it’s important to protect your business from potential losses with commercial insurance.

Protection Against Property Damage and Losses

Commercial insurance will help protect your business against property damage and losses caused by extreme weather events or other unforeseen circumstances. This includes coverage for damage to buildings, equipment, and inventory due to fire, windstorms, vandalism, theft, and more. This type of protection means you won’t have to worry about costly repairs or replacements if your property is damaged or destroyed. An Insurance Solutions Inc agent can help you evaluate your risks and create a comprehensive plan that meets your needs.

Protection Against Liability Claims

No matter how carefully you may run your business, there is always the possibility that someone could sue you and your company because of an alleged injury or another issue. Commercial insurance helps protect against liability claims by providing coverage for legal fees and any resulting damages awarded in a court of law. Without this protection, the cost of defending yourself might bankrupt your business.

Protection Against Injury Claims

Injuries sustained by employees while on the job are another risk that businesses face daily. Commercial insurance provides coverage for medical expenses related to workplace injuries and compensation for lost wages due to time away from work for medical treatment or recovery. In addition, it also covers legal costs if an employee files a claim against you or your company because of an injury sustained while on the job.

Commercial insurance is essential to running any successful business in Cullman, AL. If you’re looking for reliable commercial insurance coverage at competitive rates, contact Insurance Solutions Inc today!

How does umbrella insurance protect someone in Alabama?

Living in the Cullman, AL area can be a great experience, but anyone that lives in this part of the state needs to evaluate their insurance needs annually. One risk that all people can mitigate with insurance is liability risk. This risk can be covered with an umbrella insurance plan, which offers various forms of coverage to ensure you are adequately supported in different situations. 

Reduce the Impact of Major Claims

One of the ways that you can benefit from having an umbrella plan is that the insurance will reduce the impact of major claims. If you have home or auto coverage, you will already have some liability insurance. However, there will always be a limit to your coverage, and a severe claim could exceed your insurance support. In these cases, an umbrella plan will provide additional coverage on top of your existing insurance. 

Get Support for Additional Situations

An umbrella plan is also a good idea because it can provide support for different situations. Many liability risks may not fit under another type of insurance coverage. These risks can lead to significant claims that need to be protected and covered. This can be done by getting an umbrella insurance plan, which offers broad coverage against a more comprehensive range of risks.

If you are going to obtain an umbrella insurance plan and are in the Cullman, AL area, it would be wise to call someone you can trust to help you make a good decision. One great company that you can speak with is Insurance Solutions Inc., which offers ideal support to help you pick a new plan. Insurance Solutions Inc. will help you thoroughly review your situation and build a policy that provides proper support. 

Tips to Help Prevent Rust From Developing on Your Car

Rust can be highly damaging to your vehicle. It can weaken the metal, which can leave your vehicle more vulnerable in the event of a car accident. Here at Insurance Solutions Inc., providing auto insurance to the greater Cullman, AL area, we want to help drivers minimize the chances of rust from developing on your car. Here are some tips that can help you to do just that. 

Apply a Clear Coat To Your Car

One of the best ways to decrease the chances of rust developing on your car is to coat your vehicle with a clear coat. A clear coat helps to prevent water from coming in contact with metal, which helps ensure rust does not form. 

Repair Any Scratches or Scuffs

Another way to minimize the chances of rust developing on your car is to immediately repair any scratches or scuffs on your vehicle. Scratches and scuffs may seem minor, but they are one of the top reasons rust starts forming on a car. 

Remove Rust As Soon As You Spot It

Lastly, if you notice any rust on your car, you want to remove it with rust-removing products immediately. Rust will continue to spread and weaken metal if it is left to sit for prolonged periods. 

Following the steps above can help greatly diminish the chances of rust developing on your automobile. This can be important, as rust can weaken your car, which can be devastating in an accident. Having the right auto insurance is essential if you are in an accident. The team at Insurance Solutions Inc., serving the greater Cullman, AL area, would love to help you find the right auto insurance for your needs. Reach out to us today to get started.