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.

Auto Insurance Coverage Options for Cullman, AL Residents

As a Cullman, AL driver, there is mandatory and optional insurance coverage. Mandatory auto insurance in Cullman, AL are liability, comprehensive, and collision insurance. Here are the facts you need to know about auto insurance coverage options for Alabama residents.

Mandatory Insurance Coverage in Alabama

Liability

As a driver in Alabama, you must have bodily injury and property damage coverage. These insurance coverages fall under the category of liability insurance. Liability insurance handles the damages of an accident in which you are legally held responsible.

Comprehensive

Under Alabama law, you are also required to carry comprehensive coverage. Comprehensive coverage handles the repairs your car needs after it is involved in an accident that is non-collision related. Incidents comprehensive coverage can insure include:

  • Fire
  • Theft
  • Vandalism
  • Contract with wildlife
  • Broken glass

Collision

Collision insurance is also required in the state of Alabama. This insurance coverage is used to repair your vehicle if you are in a wreck that involves another car or an object.

Optional Auto Insurance Coverage Available in Alabama

Optional auto insurance for Alabama drivers includes uninsured/underinsured motorist, medical benefits, and family compensation.

Uninsured/Underinsured Motorist

Regardless of who is held legally responsible car accident, this insurance covers the cost of most if not all damages, including bodily injury. Uninsured/underinsured motorist coverage also covers you if the other driver does not carry enough insurance.

Medical Benefits and Family Compensation

As a residential driver of Alabama, you can choose between medical benefits coverage and family compensation, but you can’t have both policies active at one time. Medical benefits can cover reasonable medical costs and funerals for yourself and individuals who are insured on your policy. Family compensation provides confinement, medical, and death benefits for you and other insured individuals on your policy. Medical benefits and family compensation both provide coverage and benefits regardless of who is at fault.

Here at Insurance Solutions Inc., we provide auto, home, commercial, and a variety of other insurances. There’s never been a better time to get insurance. Contact us today so we can provide you with the most suitable insurance policy for your current needs. Insurance Solutions Inc is waiting to hear from you.

Alabama Motorcycle Insurance Requirements

Though it is generally accepted that all cars on Alabama roads must carry a certain amount of liability insurance, it can surprise a lot of people that motorcycles must also have a minimum amount of coverage. As with auto insurance, motorcycle insurance has state minimums as well as elective insurance options. The professionals at Insurance Solutions Inc., serving the Cullman, AL area, can help guide you through what you must have and what you may want.

State Minimum Coverage

Alabama requires that motorists carry 25/50/25 liability insurance. This means that the amount of money the policy covers in the event that you are at fault in an accident is:

  • $25,000 for medical expenses per person. This means that multiple individuals are covered, but the cap of any one of them is $25,000. Regardless of how many are injured, there is a cap of
  • $50,000 for the total of the medical expenses. 
  • $25,000 for the damage to the vehicle/property (the other party, not you).

Important to Know

Those policies being “minimums” means that policies are available that increase the amount of coverage. In addition to minimum and full coverage, there are individual policies that can be offered to suit your needs.

Uninsured/Underinsured Motorist Coverage

This protects you in the event that you are in an accident caused by another driver should that person not have insurance, or not enough coverage to meet the total damage.

Towing and Labor

Any number of issues can lead to your bike being stranded on the side of the road. Towing and labor will offer a variety of roadside assistance services.

There are several other coverage options to consider. Speak with an experienced professional from Insurance Solutions Inc., serving the Cullman, AL area, to learn what is best for your needs.

3 Reasons to Get Boat Insurance

Having a boat in Cullman, AL is like having a passport to gorgeous summer sunsets and warm spring outings. For as much as you cherish your boat, it helps to have boat insurance. Insurance Solutions Inc. is here to give you three reasons why the right policy can make all the difference. 

1. Boat Insurance Is Practical 

You’re liable for the things you do with your boat. Whether an accident happens to a friend or to another boat, having the right policy means having coverage. It may not solve every problem if you’re found to be at fault, but it may save you from an unnecessary lawsuit against you. 

2. Boat Insurance Protects Your Boat 

While the safety of the people on your watercraft should be your number one priority in Cullman, AL, boat insurance call also help you protect your boat. If damage occurs due to a covered event, such as a bad storm, you’ll have the help you need to make repairs. This can really help save your investment, especially because tiny damages can quickly give way to much bigger repairs. 

3. You Have Someone to Turn To

It’s not always clear what the best course of action is should something happen to you when you’re out on the water. Even if your boat is in transit during the time (or if it’s seemingly safely tucked away in the marina), you’re likely to have questions about the best course of action.

With Insurance Solutions Inc., you get can trust our staff to give you the best possible advice during a stressful time. Talk to us today about the kinds of policies available, and how they can provide exactly what you need if something happens to you, your family, or your property. 

How Classic Car Insurance Differs from Car Insurance

Though they are used differently, classic cars also have to be covered with insurance.  However, policies for classic cars differ from policies used for day to day vehicles.  The policy will define the insured value based on an agreed-upon sum.  Also, while vehicles depreciate over time, classic cars actually increase in value.  This is why the policy will need to be periodically reviewed.  Our agents at Insurance Solutions Inc. work with classic car owners throughout the Cullman, AL area to put the right coverage in place.

Not every vehicle qualifies for classic car insurance.  The vehicle must be between 19-24 years old.  The specific age varies from providers.  Also, the car can not be used frequently.  The insurer will define the mileage limit allowed each year.  They will also verify that you have a primary vehicle for daily driving.  This gives you the opportunity to bring your classic car to shows and expos. Also, the vehicle will need to be stored appropriately when not on display. 

Classic car insurance, beyond these requirements, is similar to traditional auto policies.  Policies with comprehensive and collision coverage are available. You also have options for flatbed towing or roadside assistance.  Special auto show medical coverage can protect you if someone is injured while the vehicle is on display.  There is also covered that protects the car at a show when it is unattended. 

In the Cullman, AL area, our agents at Insurance Solutions Inc. are ready to help you with classic car insurance. Whether lovingly restored the vehicle or just enjoy it, its time to get it covered so that you can drive and display it at auto shows and area events.  Visit the website, then contact us for more information. Take care of your classic car!

Will RV Insurance Cover My Possessions?

Before you set sail from Cullman, AL in your new RV, you’ll probably want to know whether or not your Insurance Solutions Inc. RV policy is going to cover the contents of your new home on wheels. Here’s what you need to know:

  • Some contents are covered, but not all. You can expect fixtures to be covered if they’re on your policy, propane stoves, the shower, furnishings, basically whatever’s bolted down, whatever came with the RV, that’s going to be covered.
  • Additional coverage can be purchased in some instances, but…
  • Your home insurance or renters insurance is going to take care of the contents of your RV for the most part. If you have books, clothing, jewelry, a TV and a Blu-ray player, etc. in your motorhome, you’re going to want to make sure that those items are on your home insurance or renters insurance inventory, because that’s where the coverage is probably coming from.

There are, of course, full-time RVers who don’t have a home insurance policy or a renters insurance policy, because the RV is their primary home. In these instances, you’ll want to purchase extra protection to stay safe, but by and large, RV renters rely on RV insurance for anything that’s bolted down, and home/renters insurance for anything that isn’t.

If you’re ready to take your maiden voyage out from Cullman, AL, get in touch with Insurance Solutions Inc. by phone or online and see what they can do to keep you safe out there on the road. Adventure is fun, but it’s even better when you have some peace of mind, and that’s what a good RV insurance policy buys you.

Why it Makes Sense to Review Your ATV Insurance Now

Summertime is the perfect time to get out and enjoy your ATV, but before you do, the team at Insurance Solutions Inc. recommends that you have your insurance policy reviewed. It is surprising how many people in the greater Cullman, AL don’t think too much about their need for comprehensive ATV insurance. Even if you ride on private property, it’s still a good idea to have robust insurance! We are here to help you find a policy that meets your needs.

Review Your ATV Insurance Before Summer Gets Here

Now is the perfect time to take a closer look at your ATV policy. Many folks think that because they ride on private land, their needs are covered by a basic policy. Unfortunately, this is not always the case. In the event that you or a passenger are involved in a mishap that causing injury, you will want to have the appropriate coverage. Comprehensive coverage can also take care of loss or damage to your vehicle, or provide compensation if your ATV is stolen. These types of features are available with a comprehensive policy, while most basic coverage lacks this level of protection. Don’t find out that your policy doesn’t have the coverage you need after the fact. Take the time now to thoroughly review your policy and make any necessary changes before it’s too late. 

Are you an ATV enthusiast in the greater Cullman, AL area? Insurance Solutions Inc. is here to help you manage all of your insurance needs. Whether you are looking for ATV insurance or would like to have your policy reviewed for completeness, give us a call. Feel free to call or stop by to meet with one of our knowledgeable agents and learn more about your ATV policy options.