Auto-Owners Insurance
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Showing posts with label Commercial Insurance in Jackson. Show all posts
Showing posts with label Commercial Insurance in Jackson. Show all posts
Tuesday, April 2, 2013
Tuesday, January 8, 2013
Monday, November 5, 2012
Customer Satisfaction Reviews of Auto-Owners Insurance Auto Insurance | Insure.com
Customer Satisfaction Reviews of Auto-Owners Insurance Auto Insurance | Insure.com
It is my privilege to once again inform you we received confirmation from J. D. Power and Associates we have been recognized “Highest in Customer Satisfaction with the Auto Insurance Claims Experience, Five Years in a Row.”
It is my privilege to once again inform you we received confirmation from J. D. Power and Associates we have been recognized “Highest in Customer Satisfaction with the Auto Insurance Claims Experience, Five Years in a Row.”
Friday, January 13, 2012
Shedding Light On Car Insurance Savings
Carlisle Insurance Agency
659 E. Main St. Suite A
Jackson
Shedding
Light On Car Insurance Savings
It can be easier than you think
to put the brakes on high auto insurance rates – as an independent agency; Carlisle
Insurance Agency can help! We can review your policy and possibly help you find
a variety of illuminating ways to save money. Here are some things you may want
to consider:
• Ask us to check several
companies’ rates. This is the single most important thing you can do to get the
best possible rate—and we can do it for you quickly and easily. The difference
between the highest and lowest rate available to you from different companies
could vary by hundreds of dollars.
• Reduce or drop physical damage
coverage on an older car. Depending on your car’s age and where you live,
comprehensive and collision coverage may not be worth keeping. We can give you
advice on whether it makes sense to reduce or drop this coverage altogether.
• Raise your deductible. According
to the Insurance Information Institute, raising your deductible from $200 to
$500 could reduce your collision and comprehensive cost by 15 to 30 percent. In
addition, because the average driver files a collision claim only once every
ten years, odds are that over the lifetime of your car, a higher deductible
will save you money. We can show you how raising your deductible will lower
your premium.
• Look for discounts. Many
insurance companies reduce premiums for certain driver traits or car features.
For example: being a homeowner for more than three years, nonsmoker,
nondrinker, students with good grades, senior citizens who have taken an
approved defensive driving course, people who only drive for pleasure, cars
kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to
check.
• Don’t assume having your car
and home insured by the same company is the best option. Because auto insurance
rates vary so much from company to company, it may make sense for you to have
your car and home insured by separate companies. Let’s talk about it.
To learn more about all an
independent agency can offer you, call Carlisle Insurance Agency at
740-286-5031 or visit www.carlisleinsagency.com or www.progressiveagent.com.
Michael Carlisle
Carlisle Insurance Agency
Wednesday, January 4, 2012
Extra Expense Insurance
If your business suffers a major disaster that interrupts normal business operations, what effect will it have on your operations over the long term? Will you be able to retain customers? Will you lose valuable employees? Alternatively, does your
business allow you the flexibility to operate from a different location with equipment that is easily acquired? The answers to these questions allow a business owner to determine whether business income coverage, extra expense insurance or a combination of both, is needed. Businesses, especially those offering a service that can easily be replaced by another business, may face permanent loss of customers if business is interrupted for an extended period of time. Businesses whose operations depend more on employees than on location may not have a serious threat of income loss, since they can continue operating from a temporary location preserving income flow. However, operating from a temporary location and expediting delivery of replacement supplies and equipment can add up to considerable extra expense. Additional advertising may also be necessary to let people know you aren’t out of business. In many cases, a business may need both business income coverage and extra expense coverage.
The promise of extra expense coverage is to pay the actual and necessary extra expenses needed to continue operations, which would not have been incurred if there had not been a direct physical loss to the business. The period of restoration begins on the date of loss and ends when the property should be repaired, if reasonable speed is applied while returning the property to its pre-loss condition. Interference by building ordinance, zoning law or environmental protection law does not extend the period of time when extra expenses are payable. The period of restoration is based on the period of time during which repairs should be completed. The expiration of the policy has no bearing on this period of time. http:\\www.carlisleinsagency.com
Friday, December 2, 2011
Carlisle Insurance Agency
213 E. Main Street
Jackson, Oh 45640
740-286-5031http:\\www.carlisleinsagency.com
Thursday, March 31, 2011
Starting a new business or re-evaluating your current business insurance needs?
If you are starting a new business or are re-evaluating your current business insurance needs, it is important to make certain you have a good, solid, business insurance policy that is tailored to your needs. Many small business owners often view business insurance as a luxury, when in fact it is a necessity to protect you and your business. Several business owners only think of a business policy as protection against casualties and damages such as a theft, fire, or damage to equipment and products. When in fact, the most important part of a good business policy is the liability protection.
No matter what size of business you operate, big or small, it is always important to protect your business and yourself from the unpredictable. In today culture, even the smallest accident can result in large lawsuits. The general liability portion of a business policy is extremely important in that it defends you, your employees, and the reputation of your business from any lawsuits that may develop from bodily injury, damages, or negligence for something it did or didnand. General liability insurance can often be purchased separately or as part of a BOP (business owner's policy). A BOP; combines both property and liability insurance together into one policy.
Typically a BOP includes the following:
Property insurance to cover the building, equipment and goods; General Liability insurance to protect the business, employees and owner from lawsuits that may arise from accidents, negligence, or other damages; Casualty liability protection to protect the business and employees from harm to other people or their property; Insurance against theft of goods or money and securities; Insurance against interruption of business: This coverage can provide money to offset lost profits and income to continue paying expense; Several other options and endorsement are available to purchase
When purchasing a Business Owners Policy, it is very important to discuss the details with a licensed insurance agent who is familiar with commercial insurance policies. There are several options and risks that can be covered under a BOP. Some of these options can include signage, money and securities, business property, employee dishonesty, computer viruses, mechanical equipment failures, or loss of income for utility failures just a to name a few options. Not all over the options available are necessary to all business owners since not all businesses are alike. For example, a deli business that stores a large supply of refrigerated food, might find it very valuable to purchase insurance to protect them against the refrigeration equipment/breakdown or possibly even protection against a utility (electrical) failure that could possibly ruin valuable refrigerated food goods. It is also extremely important to purchase commercial auto insurance coverage for all vehicles used within the business.http:\\www.carlisleinsagency.com
If you are starting a new business or are re-evaluating your current business insurance needs, it is important to make certain you have a good, solid, business insurance policy that is tailored to your needs. Many small business owners often view business insurance as a luxury, when in fact it is a necessity to protect you and your business. Several business owners only think of a business policy as protection against casualties and damages such as a theft, fire, or damage to equipment and products. When in fact, the most important part of a good business policy is the liability protection.
No matter what size of business you operate, big or small, it is always important to protect your business and yourself from the unpredictable. In today culture, even the smallest accident can result in large lawsuits. The general liability portion of a business policy is extremely important in that it defends you, your employees, and the reputation of your business from any lawsuits that may develop from bodily injury, damages, or negligence for something it did or didnand. General liability insurance can often be purchased separately or as part of a BOP (business owner's policy). A BOP; combines both property and liability insurance together into one policy.
Typically a BOP includes the following:
Property insurance to cover the building, equipment and goods; General Liability insurance to protect the business, employees and owner from lawsuits that may arise from accidents, negligence, or other damages; Casualty liability protection to protect the business and employees from harm to other people or their property; Insurance against theft of goods or money and securities; Insurance against interruption of business: This coverage can provide money to offset lost profits and income to continue paying expense; Several other options and endorsement are available to purchase
When purchasing a Business Owners Policy, it is very important to discuss the details with a licensed insurance agent who is familiar with commercial insurance policies. There are several options and risks that can be covered under a BOP. Some of these options can include signage, money and securities, business property, employee dishonesty, computer viruses, mechanical equipment failures, or loss of income for utility failures just a to name a few options. Not all over the options available are necessary to all business owners since not all businesses are alike. For example, a deli business that stores a large supply of refrigerated food, might find it very valuable to purchase insurance to protect them against the refrigeration equipment/breakdown or possibly even protection against a utility (electrical) failure that could possibly ruin valuable refrigerated food goods. It is also extremely important to purchase commercial auto insurance coverage for all vehicles used within the business.http:\\www.carlisleinsagency.com
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