Businesses of all sizes have vulnerabilities. Commercial insurance needs to be tailored to each particular business to ensure that protection is as complete as possible. You can never anticipate everything that will go wrong, but if you feel covered for most of them, that allows you to spend your time and energy making your business a success and not worrying about all the things that can hurt your bottom line. At Gill Insurance Agency in Plainfield, IN, we make it our business to know your business and provide the expertise you need to get the best policy for your business.
For your business to thrive, you need to have the products to do business. Commercial property insurance covers not only your building, but it also protects all the materials you need, like office equipment, electronics, inventory, raw materials, and more. You want to be back up and running as quickly as possible after the covered hazard happens.
Your employees are valuable assets. Hiring and retaining good help requires you to take care of them, and workers’ compensation insurance is one way to do that. Most employers in Indiana are mandated to carry worker’s compensation insurance. This insurance pays medical expenses and lost time when an employee is hurt on the job or performing their job.
Commercial liability insurance protects your business from legal actions against you. You can be sued for so many reasons these days, and a judgment could be large enough to devastate your business.
If your business is closed by a covered event, business interruption insurance can make the difference between surviving and having to close your doors. It helps to pay not only payroll but day to day operating expenses.
Commercial insurance is a valuable protection for your business. Gill Insurance Agency in Plainfield, IN can help you put together a policy that will give you the coverage you need. Please stop by the office or give us a call to discuss your needs.
After you get into an accident, the sheer adrenaline can start to unnerve you. No matter how it happened or who was at fault, even minor collisions can rattle the status quo. This is why it can be somewhat confusing to file an auto insurance claim in Plainfield, IN. Gill Insurance Agency wants you to have more information before you even start the process.
1. Start with the Information
Eye-witness accounts, police reports, photos: there are plenty of things that you can use to strengthen your version of the events. Because two people may view the same situation very differently, the point is to provide as many indisputable facts as possible. It may take a little extra effort, but you’re much more likely to come out ahead in this case.
2. Work with Your Insurer
An insurance carrier should be able to adjust their numbers based on the reality of the situation. For example, if a claims specialist estimates the repairs without seeing the car first and underestimates just how much is needed to fix the vehicle. Keeping a cool head and explaining the situation can go a long way to avoiding miscommunication that could result in a refusal to cover the damages.
3. Ask Questions
As difficult as it can be to consider your rates going up or what will happen if you’re found at fault, doing so puts you in control of the situation so you can be proactive as opposed to reactive. There may be steps you can take to mitigate your circumstances once you understand them.
If you want to learn more about auto insurance in Plainfield, IN, call Gill Insurance Agency to discuss how different kinds of policies will cover you under certain types of claims.
You’ve just put in all kinds of time and energy into a home renovation or upgrade. Maybe you added a new fence or wholly updated the kitchen. Whatever you did, it’s a great feeling to accomplish a new upgrade to any home. But what about insuring this upgrade? Should you tell your insurance company about it? We at Gill Insurance Agency want to make sure you have all the facts, so if you live around Plainfield, IN this is what you need to know.
Do You Need To Say Anything?
First of all, no, you don’t need to say anything. You can make your upgrade and not tell your insurance provider. This is one option, but it may not be the best way to go about protecting your home.
Protect Your Upgrade
You likely put in a considerable amount of time and money into your upgrade. If your kitchen is damaged and you just renovated your kitchen, do you want to spend the money all over again to redo the kitchen? If not, you’ll want to tell your insurance provider about the upgrade. By informing your insurance provider, they can adjust your policy and make sure it is protected. This way, no matter what happens to your home, you won’t be forced to pay out of pocket to redo what you already upgraded completely.
Proper Home Owner’s Insurance
You need to protect your home. The best way to do this is with home owner’s insurance. Whether you’re looking around for a new insurance provider or are considering the purchase of a new home, our staff here at Gill Insurance Agency here in Plainfield, IN is here to help and make sure you have all the information and answers needed to locate a policy designed just for you and your home.