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4 Basic Insurance Policies for Every Business

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Each business is different. If you do business in the Ammon ID area, Insure It All can create an insurance package especially for you. These 4 policies form the foundation of a strong business insurance strategy.

General liability insurance pays for damage caused by you or your employees during the course of work duties. If your delivery person knocks over a client’s priceless artwork, this is the policy that will pay out. General liability also covers medical bills and legal fees that come from accidents that happen on your property. For those who rent their commercial property, these policies will pay your landlord if you are found liable for damage to the buildings or grounds.

Professional liability insurance pays for legal fees associated with claims of negligence or liable. This coverage protects the subscriber from the exorbitant costs of defending themselves in a court of law. Malpractice insurance is an example of this type of coverage. However, medical professionals aren’t the only ones who benefit from professional liability insurance. Lawyers, educators, and even artists can protect their personal assets with these contracts.

Commercial auto insurance is similar to your personal car policy. It pays for accidents, medical bills, and repairs to your work vehicles. There are some key differences between commercial and personal policies. Talk to your insurance agent for more details.

Commercial property insurance covers the buildings and grounds that you use to conduct business. Like your homeowner’s policy, it pays out for damage or loss due to theft, fire, and some natural disasters. Without this coverage, one small accident could put an end to your dreams.

Is your business fully covered? Contact the experts at Insure It All in the Ammon ID area for a personalized assessment.

Is Umbrella Insurance Necessary for Startups?

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One common mistake most startup business owners make is failing to purchase sufficient coverage for their companies. This error can easily be made, especially when you’re operating on a tight budget and you have many things you need to do to grow the business – getting protection against some disasters will not seem very important. What most people don’t know is that it doesn’t take much to lose all that you have worked hard to build. One of the coverages a startup should get from insurers like Insure It All in Ammon, ID is umbrella insurance.

What is umbrella insurance?

This is an excess policy that is designed to supplement some of your main insurance coverage such as employer’s liability, auto, and general liability. These policies are known as underlying insurance. An umbrella insurance plan can cover one or more policies depending on your preferences.

In case some claims are not covered by an underlying policy or an underlying policy gets exhausted and you still have outstanding expenses, your umbrella policy will come in as an affordable solution that will offer the extra coverage you need.

Just like the underlying policies, this insurance plan covers a broad range of risks like paying for litigation costs and restitution for injuries. The costs can also include medical expenses and court-awarded damages and settlements.

Why your startup needs umbrella insurance

Your startup needs umbrella insurance for the same reason it requires other coverage options – to get protection against various mishaps. Most general policies don’t cover every risk the company faces. What’s more, there are certain claims a company faces that are both costly and extremely rare. Getting umbrella insurance to cover such risks is quite important for any startup.

If you are searching for this coverage, consider contacting Insure It All that serves the Ammon, ID area and its environs for more information.

Common Conditions That Make Healthcare Necessary For Your Family

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If you have been debating on whether or not you and your family need health insurance coverage, here are a few points to consider. Most people in this country will develop a chronic health condition, regardless of age, at some point in their lives. These conditions can become incredibly expensive, and, in some cases, can leave families without a means to treat the condition.

Common Conditions

One of the most common, and expensive conditions that commonly occur in individuals is diabetes. Type 1 diabetes normally presents itself early in life and requires daily monitoring and treatment. Without the necessary medication and testing supplies, a person can develop life-threatening symptoms requiring expensive medical treatment. Another condition that would require having health insurance is food allergies. If you ingest or come in contact with a food that you are allergic to, you may need treatment with epinephrine, a trip to your local hospital, or both. Other conditions that require medical insurance include heart conditions, asthma, and kidney failure.

Don’t Wait For A Condition To Appear

The most effective way to protect yourself and your family from financial ruin is to purchase adequate health insurance coverage before a serious condition has a chance to present itself. Health Insurance requires a small co-pay for regular doctor visits and a relatively small co-pay for hospital treatment and hospital stays. For more information about health insurance in or around Ammon, ID, Insure It All has the answers you need.

Don’t leave the security of your family to chance. Get the right health insurance today to protect them tomorrow. The Ammon, ID, Insure It All looks forward to speaking with you about your specific needs. Call or stop by today to get the coverage you want.

Why You Need Commercial Insurance

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For those that are in the Ammon, ID area, owning a small business can be a great career option.  For those that would like to have their own business, having proper insurance coverage is very important.  There are several reasons why you need to have commercial insurance coverage.

Provides You With Liability Protection

If you own your own small business, you are taking on a certain amount of liability every time someone comes into your place of business or uses your product or service. Since there is always a risk of injury, making sure that you have adequate coverage in place is extremely important. A liability insurance policy will provide you with protection in the event you are found liable for an injury to another party. Furthermore, the commercial insurance policy will provide you with workers compensation insurance, which will provide coverage if you have an employee that is injured on the job.

Property Insurance

Another reason why you should get a commercial insurance policy is that it can also provide you with property insurance protection. If your business owns real estate, having a property insurance policy is very beneficial.  This type of policy will provide you with coverage in the event your place of business is damaged, vandalized, or if you experience a loss due to theft.

Compliance

Finally, you will need to have a commercial insurance policy to stay in compliance.  Depending on the size of your company, you will be required to have workers compensation insurance in your liability policy.  Also, if you have lenders or investors, they will likely require you to have adequate insurance.

If you are in need of commercial insurance in the Ammon, ID area, one great company to reach out to would be Insure It All.  Insure It All is a leading insurance company that can help you to find and builds a commercial insurance policy that is right for your business needs.

Do You Have to Have Commercial Insurance on a Home Business?

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Home businesses are a great way to make an income without having to take out a huge loan to get a storefront and hire employees. They do however come with some hidden costs and you need to be aware of what insurance coverages you need to have in place to make sure that your home business is protected no matter what. For those that have a home business in the Ammon, ID area, the agents with Insure It All can answer your questions and help you get the perfect coverage.

The first thing that you should understand about home businesses is that it is not mandatory that you have a commercial policy to protect them. In most cases, your home business is going to be protected by your homeowner’s policy so that you are not going to have to worry if something does happen to your inventory. You may want to declare it on your homeowner’s policy so that you can get the added coverage that you need but you do not have to have a separate policy to protect your home business.

Depending on the size of your business, you may want to look into incorporating your business or taking out a small commercial policy but for the most part, a home business is going to be adequately covered on your homeowner’s policy. You also want to consider what it is that you have in your home business and how much you might need to keep insured. For those in the Ammon, ID area, the agents with Insure it all can help you to find the perfect policy for your home business and can help answer any questions that you may have about needing an extra commercial policy on top of your home coverage.

How Home Insurance Protects You From Personal Injury Lawsuits

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When you first think of home insurance, you generally think of coverage for things like tornadoes, water damage, theft, and other basic accidents. What you likely do not think about are personal injury lawsuits. However, these are very real lawsuits that can be pinned against anyone. It’s smart to have home insurance protection that features liability protection, and we’ll explain why below.

What Is Liability Coverage?

Liability coverage refers to insurance coverage that protects you and your finances against personal liability claims. For example, let’s say that you are receiving a package as a delivery. The delivery person comes to your house, walks up to your front steps that lead to your front door and slips on a patch of ice.

If they slipped, fell, and were seriously injured, they may be able to bring a lawsuit against you for personal injury damages. That’s because they would be assuming that it was your fault that the ice was there. Naturally, you didn’t create ice on your front steps. The thought behind liability is that any reasonable homeowner would have known that there was ice on their front steps and would’ve cleaned it up in a timely manner so that no one slept and fell.

Going to court with people who might sue you in these situations is extremely expensive. Liability coverage protects you by either covering all or some of the damages you’ll ultimately have to pay if you are found liable or by covering the legal costs of going to court.

Contact Insure It All to Learn More

If you are an Ammon, ID resident and are interested in learning more about home insurance coverage options, Insure It All is here to assist you!

We offer home insurance for all residents of Ammon, ID and can certainly assist you in finding exactly what you’re looking for in terms of coverage. Stop by our nearest office location today, or give us a call at your earliest convenience. We look forward to helping you find the best possible home insurance for your home!

The importance of getting an annual health exam

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Hopefully, you are lucky enough to have your health. However, as Insure It All, serving Ammon, ID would like to remind you, getting your annual exam from your primary care physician is an important part of remaining healthy. Your doctor will be able to administer a number of tests, including blood work and urine cultures, which are designed to ascertain if an illness may be developing. The key to surviving a serious disease, such as cancer, is catching it early so that it can be treated more effectively.

If you do have medical issues, such as a heart condition, high blood pressure, or something else that is considered a chronic disease, your annual exam will be part of monitoring what is going on with your body. Is your condition getting worse? Do you need a new course of medications? Maybe it is time for a surgical procedure. Medical technology is making advances all the time, so your primary care physician may be able to point you in the right direction to access new medicines and procedures.

If you have a good, long-standing relationship with your doctor, he or she will likely know in detail about your medical history and thus will know what to look for during the exam. If something cones up that requires further attention, your doctor will be able to refer you to a specialist. Your annual exam may, in any case, involve a visit to one or more specialists if you have a chronic condition or your medical history suggests a more detailed exam.

For all questions concerning health insurance, feel free to contact Insure It All, serving Ammon, ID.

Does Umbrella Coverage Cover Worker’s Compensation Insurance in Ammon, ID?

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Residents of Ammon, ID who have questions about commercial insurance and the benefits of umbrella policies can contact the agents of Insure It All. They offer a comprehensive list of policies that are designed to protect every aspect of your business from fleet coverage to Workers Compensation coverage.

What Does Umbrella Coverage Include?

Umbrella coverage includes many different types of policies, including Workers Compensation coverage. It also extends the amount of coverage you have in case one or more policies are pushed past their limits. An umbrella policy is designed to cover you in many different ways. You choose the policies that your company needs in the amounts that work best for the size of your company. A smaller company may need less coverage, while a large corporation may require numerous policies to provide adequate coverage.

The Benefits of Additional Coverage

One of the main benefits of umbrella coverage is that everything is included in one location. Umbrella coverage also has the capability of covering amounts that extend past the original policies limitations. This is especially beneficial in Workers Compensation cases when the amounts paid out exceed the limitations of the policy. This additional coverage protects your company from financial loss when the incident in question ends up being much worse than first expected.

If you own a business in Ammon, ID and are trying to find information about umbrella coverage and Workers Compensation insurance, call the agents at Insure It All. Their ultimate goal is to provide you with the information you need to make the best possible choice for your company. Call them today to find out what policies and options are available to you!

 

What Factors Should You Consider When Selecting a Health Insurance Plan?

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With numerous health insurance providers providing different plans and coverage options, choosing a suitable health insurance plan can be a daunting task. However, Insure It all makes it easier by providing quality health insurance plans. There are important factors that you should consider before settling on any health insurance policy as explained below.

One of the basics that everyone looks at is the premium. Many people will look for an affordable plan because the premiums are paid partly by the employer and partly by the employee. By norm, the premiums should not exceed 9.5 percent of the total income earned. The premium rise could scare people off. The other costs that come with health plans are deductibles and out of pocket maximums, which have been noted to have drastic increments compared to the premiums.
Due to increase in the cost of deductibles and the introduction of expensive health plans, companies have come up with a way of having their clients fund their health through a Health Savings Account. This is a very important factor to look out for.

The number of plans available is also important, but that should not cause worry because many companies in the industry such as Insure It All in Ammon, ID have divided their plans into different categories. These plans grant employees the opportunity to enroll in an affordable plan even if it does not meet the Affordable Care Act (ACA) requirements. Again, as you look at the plan, make sure it meets Minimum Essential Coverage (MEC) and that there are no ambiguous terms with the insurance provider. A good plan should cover more than half of the total allowed cost of the benefit.

If you are choosing a health care plan, this list should be of help to you. If you have questions that you need to clear up, visit Ammon, ID offices where an agent will take you through the whole process.

 

What Is and Isn’t Covered by Condo Insurance

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If you live in a condo, your association fees help cover the cost of master insurance to protect the exterior structure of your building. In the event of storm damage to the outside of your building, your master insurance will cover the cost of repairs. This same policy often includes coverage for common areas such as a clubhouse, pool, tennis court and landscaping.

Master condo insurance policies, however, don’t provide coverage for the interior of your condo or your personal belongings. They also won’t protect you for accidents that may cause injury to others while on your property. 

In contrast, a personal condo insurance policy from Insure It All, Ammon, ID, can provide you with the personal protection you need. With personal condominium insurance, you can receive coverage for the following:    

Interior of Dwelling: to include repair or replacement costs of drywall, flooring, bath and kitchen cabinets, light fixtures and plumbing. This coverage will also protect custom renovations or major upgrades you have made to your unit.

Personal Property: protects your personal goods to include furnishings, clothes, electronics, appliances, etc., if they are stolen or suffer damage or loss due to a covered peril. With replacement cost coverage, your insurance will pay the full cost of replacing expensive goods at current prices.

Personal Liability/Medical Payments: pays for medical expenses of those who have been injured in an accident while on your property. It also covers property damage sustained by others while on your property as well as legal expenses to cover a lawsuit by an injured party.

Loss of Use and Additional Living Expenses: covers your living expenses to stay in another location while your condo is being repaired, if interior damage makes it an unlivable environment.

For more information about condo insurance options, contact us at Insure It All, Ammon, ID.