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Gill Insurance Advisors Blog

Using Your Workers Compensation Insurance For Employee Injuries

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Gill Insurance Agency explains how to utilize your company’s Workers’ Compensation Insurance.

Workers’ compensation insurance is engineered to provide funds for caring for workers injured on the job. It can cover medical care, recovery support services like physical therapy, wages during incapacity to work, and funeral costs. At Gill Insurance Agency in Plainfield, IN, we offer a range of commercial insurance products to protect your business, including workers’ compensation insurance. Here are a few guidelines on leveraging your workers’ compensation insurance coverage.

Workers’ Compensation Insurance Is Mandatory For Most Businesses in Indiana

Occupational injuries are a prevalent issue for businesses. Some sectors, such as transportation, construction, and chemical handling, are more susceptible to worker injuries. Indiana obliges most types of businesses to have workers’ compensation insurance. This ensures that injured workers have access to the care they need without bearing the burden of medical care and recovery services out of their own pockets.

Steps to Take When A Worker Is Injured

If a worker is seriously injured, your first action should be to keep them safe while calling 911 for emergency medical services. Delegate someone to document the injury’s time, date, and circumstances for reporting to the insurance company. The injured party or witnesses should give a statement explaining what caused the injury. Finally, report the injury to your insurance company and fill out the employer’s report.

Choose Gill Insurance Agency As Your Agent for Workers’ Compensation Insurance

Our trained agents in Plainfield, IN, can answer your workers’ compensation insurance questions. They’ll ensure you have the right coverage for your needs. Contact Gill Insurance Agency today for a no-obligation worker compensation insurance quote to safeguard your workforce.

Confide in Gill Insurance Agency as your Agent for Workers’ Compensation Insurance.

Our trained agents can answer any questions you have about workers’ compensation insurance to ensure you have the proper protection. Don’t hesitate to contact the Gill Insurance Agency today for a cost-free quotation to shield your workforce.

What is a video inventory?

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Like many insurance companies, Gill Insurance Agency encourages our home insurance policyholders to make an inventory list of their personal property. These inventories make it easier to file a claim if you ever need to do so. Video inventories have become popular because they accurately show the state of the Plainfield, IN, property and its contents, but how do you make a video inventory?

Video Inventory Defined

A video inventory consists of a long-form video walk-through of your home that shows it accurately from every angle. You begin at the front door and tour the entire home, exiting through its back door if it features one. This video also features scheduled items, such as your stereo components, to show the condition in which you insured them.

Supplements to a Video Inventory

Your video inventory needs supplemental information. Include a written or typed written list of items you want scheduled for full value coverage in your home policy. It’s also a good idea to include snapshots of each scheduled item. Make two copies of the video and photos or store them digitally. We’ll need one copy if you ever need to file a claim. If your claim involves theft, you’ll need another copy for the police.

Contact Us to Update Your Home Coverage

Contact the agents at Gill Insurance Agency to update your home policy. When many people make a video inventory, they notice items around their Plainfield, IN homes that they want to cover thoroughly.

We can help you add riders, also called scheduling an item, to your home policy. Don’t let your personal belongings go unprotected. Revamp your home insurance to cover your cherished personal items, such as your engagement and wedding rings. Call us today.

A tree fell on my car. Will my auto insurance cover it?

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Explaining the Benefits of Auto Insurance

Auto insurance offers many benefits that can instill peace of mind in drivers. Essentially, auto insurance is bundled coverage designed to help manage unexpected situations that occur on and off the road. However, the degree of your coverage depends on your auto insurance type. Here at Gill Insurance Agency, we’re committed to helping Plainfield, IN drivers understand the numerous benefits linked to auto insurance.

Is Auto Insurance Mandatory?

As drivers, we have various auto insurance options. Still, every state in the US legally demands liability insurance to operate your vehicle. Please note if you’re seeking an auto loan, you might be required to carry more than just liability coverage.

Liability Insurance Coverage

Liability insurance offers protection and compensation if you cause an accident, damage someone else’s property while driving, or injure someone. However, it does not cover your damages, injuries, or property damage.

Understanding Comprehensive or Collision Coverage

Let’s consider a scenario where a tree falls on your parked vehicle—will your auto insurance cover it? If you only have liability insurance, it would not cover the repairs to your car. Comprehensive or collision coverage would be required to cover damages to your vehicle, personal injuries, or property.

Insurance Requirements and Legalities

While liability coverage is the only legally mandated auto insurance coverage, auto lenders typically require you to carry more comprehensive coverage until your car loan is paid. If you have questions about auto insurance coverage, don’t hesitate to reach out. At Gill Insurance Agency, our team is ready to answer your queries and walk you through the process.

Life Insurance When Your Beneficiary Lives in Another State or Country

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It should first be established that the state you live in does not typically affect the cost of your policy. However, your location will indeed affect the rules and regulations that include it. Age, gender, and family history might, but not location. Remember that different states will have rules for things such as the free look period, life insurance insolvency, and late payments. Keep in mind that not every type of policy will be available in every state. Individual states might also have restrictive laws regarding who can be named as your policy’s beneficiary. Do your research to determine the laws in your state and the state where your beneficiary lives.

When Your Beneficiary is Living Abroad

It is quite feasible to name a beneficiary on your life insurance if they live in another country. You will need identifiers, though, if they need to be contacted. You must be able to provide their full legal name, birthday, Social Security number (if applicable), and relationship to you, as well as your address, phone number, and email address. Your beneficiary, likewise, needs the name and phone number of the company you are insured with, plus the policy number and coverage amount. If there are any other beneficiaries, they need to know that, too. It may be easier for them to deal with an agent than a corporate office. 

Contact Gill Insurance Agency Serving Plainfield, IN 

If you need life insurance and live in the Plainfield, IN, area, please get in touch with Gill Insurance Agency. Our courteous and skillful agents are dedicated to helping you find the policy that best suits your needs. 

Why Your Commercial Expansion Project May Require Increased Insurance Coverage

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Expansion Project? Consider Updating Your Commercial Insurance Policy

If you’re expanding your business premises, it might be time to review your commercial insurance coverage. Following the points covered below, and engaging with one of our agents in Plainfield, IN will guarantee your insurance policy is updated to match your business’s growth.

Increased Value of Your Business

Expanding your business inevitably increases the overall value of your commercial building. Given the higher value of materials, additional insurance coverage is essential. During the project’s duration, maintain a record of the materials purchased. Incorporate all the building materials, furnishings, equipment, and other additions into your commercial insurance policy.

Addition of New Job Duties

Once your expansion project is complete, the additional space will likely facilitate more job roles. Consequently, the risk of theft, vandalism, and injury could increase. You should contemplate these risks when seeking additional coverage.

Increased Inventory

Expand your inventory as part of your business growth. Be sure to incorporate all new items stored at your business premises into your policy. Your commercial insurance should provide coverage for these items. If your inventory is damaged or stolen, your insurance policy should cover repair or replacement costs.

Expanding Your Freight Services

If you manage a fleet of vehicles, your drivers might need increased coverage, given the increased demand for your services. Evaluate your existing freight offerings to determine whether more comprehensive coverage is required.

Contact Us for Expert Guidance

Ready to upgrade your commercial insurance policy? Reach out to our representative at Gill Insurance Agency. Our agent will help evaluate your current policy and recommend suitable upgrades to fit your expanded business better.

What is the 80% Rule in Home Insurance?

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When you buy a home, getting homeowners insurance is crucial. If you live in the Plainfield, IN area, you can contact the Gill Insurance Agency to answer any questions about your insurance solutions. Homeowners insurance is a requirement for getting a mortgage. There are different types of homeowners insurance, and it’s essential to get the ones you need. 

What is the 80% Rule? 

It’s important to understand how much insurance you should buy. There is a guideline called the 80% Rule. According to this role, the insurance company will only cover your damages if you have purchased insurance worth at least 80% of the house’s value. If your policy isn’t worth that much, the company will only pay a proportion of the minimum coverage you should have purchased. 

The 80% Rule makes it essential for you to know the value of your home before buying home insurance. Remember that if you’ve had any capital improvements to your home, this will affect the home’s value – and, therefore – the amount that will be paid on a claim. Unfortunately for all homeowners, inflation will also increase the value of their home. For this reason, experts recommend you review your homeowner’s insurance every year to determine the correct amount of your policy value and your premiums. 

Call Us for an Appointment Today 

Gill Insurance Agency has offices in several states, and each office is staffed by experienced professional agents familiar with insurance guidelines for their state. We can discuss your home and determine how much insurance you need to buy. If you’re in Plainfield, IN, we’re the agency that can accurately assess the value of your home. Call us today for an appointment to discuss your home insurance needs. 

Penalty Points Assessed by Indiana Police for Driving Violations

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When drivers set out on the road, most will consistently do their best to drive safely and defensively. An essential part of driver safety is carrying appropriate auto insurance. Residents of Plainfield, IN can find the auto insurance solutions they need at Gill Insurance Agency. We will work with you to find the right auto policy. 

What You Need To Know

Despite the best intentions of drivers, accidents happen, and drivers are not perfect. When the police are involved, fines and points can be assigned to the driver. For example, for speeding, you can be penalized from 2 to 6 points, depending on how many points above the speed limit you drove. 

If you fail to use your headlights properly, you’ll be penalized 2 points. Four points would be placed on your license if you make an illegal U-turn or disregard a stop sign or yield sign. The highest number of points listed is 8 points. If you drive while you have a suspended license or engage in a speed contest on the road, you will be given 8 points. 

Points on your license can add up and will raise the amount of your auto insurance premiums. There is a way to defray these points by taking a defensive driver’s course. The BMV can require drivers with excess points to complete a course. In Indiana, you can attend a BMV-approved course and have up to four points deducted from your total per 3-year period. 

We Are Here To Help

Indiana’s law requires an automobile to be insured before it can be driven. Gill Insurance Agency uses the expertise of its professional team to recommend coverage for your needs. Feel free to bring us any auto insurance questions. Give us a call today for an appointment with one of our knowledgeable agents. 

Do I Need to Take Out a New Life Insurance Policy to Increase Coverage?

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At Gill Insurance Agency, we consider educating our policyholders to be insurance savvy important. We want to help Plainfield, IN residents make better insurance decisions to protect their beneficiaries. We are here to explain how to increase the value of a life insurance policy.

When You Apply for the Increase Changes the Process

In the US, the law protects consumers by providing a four-week “look-see” period for life insurance. If you buy a $1 million policy on the first day of the month, you have four weeks from that date to add to the policy, accept it as is, or cancel it without penalty. That means, if two weeks after purchase, your spouse becomes pregnant with twins, and you purchase a new home, you can phone or email your insurance agent to increase the coverage on the existing policy.

Any time after that initial month, you need to purchase a supplementary life insurance policy. If you decide to increase coverage within the first six months of the policy, you probably won’t need to take a new physical or undergo new medical tests. After that period, a supplemental policy requires a new medical exam.

How Time Affects the Premiums

As a person ages, the premium for purchasing a new life insurance policy increases. Purchasing a policy in your 20s gets a much lower premium than purchasing a policy in your 60s. If you buy your supplemental policy while also in your 20s, the premiums will probably be close in cost to one another. Purchasing a supplemental policy in your 60s means paying the initial policy’s lower premium and the new policy’s higher premium.

Contact Us Today

The younger you choose to increase your life insurance coverage, the lower your premiums remain. You will have more than one life insurance policy, and both will pay your beneficiaries in the event of your death. Contact Gill Insurance Agency today to better protect your beneficiaries in Plainfield, IN and other locations.

What Kind of Commercial Insurance Does My Business Need?

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Doing business on a daily basis entails certain risks. Contract problems, vehicle accidents, worker injuries, and client disputes can result in lawsuits that cost your company thousands or even millions of dollars. Commercial insurance is designed to protect your business from a wide range of risks, so you can continue your financial and business planning without worry. At Gill Insurance Agency in Plainfield, IN, we help Indiana businesses find the right insurance for their needs.

Types of Commercial Insurance Coverage

General liability insurance is needed by most businesses to cover liability for injuries that clients may sustain while on your business property. Commercial vehicle insurance is needed for cars and trucks needed for shipping, delivery, or other business activities. Your business building needs coverage against damage from accidents and weather events. Professional people generally need coverage against “errors and omissions” that may occur as a result of daily activities. Some businesses need product liability coverage, business interruption insurance, or insurance against loss of key personnel.

Determining the Insurance Needs of Your Company

A careful analysis of your business operations, client base, and legal exposure will help to determine the types of commercial coverage that will best protect your business. Businesses that make their own products may require product liability insurance. Companies offering professional services need coverage for mistakes that may occur. Businesses that deliver or ship may require extensive commercial vehicle coverage. A thorough discussion with your Gill Insurance agent in Plainfield, IN can help to pinpoint where your business is exposed to risk and the best way to prevent liability and lawsuit expenses.

Schedule A Consultation Today

The right kinds of commercial insurance coverage allow you to run your business the most efficient way possible, knowing that you are not exposed to expensive losses that can occur from unexpected events. Contact Gill Insurance Agency today for a no-obligation quote on commercial insurance policies that can help prevent expensive losses to your business.

Most common questions about home insurance

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Home insurance is a critical aspect of proactively protecting your home, family, and belongings. The Gill Insurance Agency in Plainfield, IN offers the following guidance with regard to home insurance.

What Does Home Insurance Cover & How Much Coverage Is Needed?

Home insurance typically covers damage to

  • The home and other structures, i.e., fence shed, etc.
  • Personal belongings
  • Liability for injuries sustained on the property
  • Living expenses should the property become inhabitable due to a covered peril

The amount of coverage depends on the home’s value, contents, location, etc.

What Does Home Insurance Protect Against?

Although each policy varies, the typical perils for which this insurance protects include

  • Fire
  • Theft
  • Windstorms/hail
  • Vandalism
  • Certain water damage

What is a Deductible?

A deductible refers to the specific amount an insured pays out of pocket before insurance coverage begins. Higher deductibles help lower premiums but require more out-of-pocket cash prior to making a claim.

How do Replacement Cost & Actual Cash Value Differ?

Replacement cost refers to coverage that replaces covered items with new ones. Actual cash value will pay less as it accounts for the damaged item(s) depreciation.  

Does Home Insurance Include Coverage for Flood Damage?

Not typically. If your home is in a flood zone or prone to flooding, a separate flood policy is available through private or federal National Flood Insurance Program (NFIP) insurers.

Are there Discounts for Home Insurance?

Yes. Depending on the policy, these discounts may help lower your premium –

  • Home security systems
  • Smoke detectors
  • Bundling policies
  • Good credit and more.

Contact Us Today

Remember to maintain your premiums to avoid a lapse in coverage, and contact us at Gill Insurance Agency in Plainfield, IN for more information.

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