Finding snowmobile insurance in Michigan is easy. Finding snowmobile insurance with all the best coverages and options is not so easy! Many snowmobile insurance policies look good on the surface, but take a close look at what specific coverages you have and at what levels of coverage. You may be in for a big surprise when you compare it to a quality snowmobile insurance policy. This is especially true if your snowmobile is attached to your homeowners policy.
Here are some key parts of snowmobile insurance that your policy may be missing:
The snowmobile insurance companies that my agency carries offer all of the above coverages. If you find that your snowmobile insurance policy doesn't stack up, it may be time to get a snowmobile insurance quote elsewhere.
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Comparing EPLI coverage is very difficult because the difference between one company's EPLI policy and another can be as different as night and day. That doesn't matter whether your EPLI policy is attached through a Business Owners Policy, a General Liability Policy, or stand alone EPLI coverage.
The fact is, many EPLI policies are inadequate both in terms of what is/isn't covered and the levels of coverage offered. So..... I have made a short checklist of 8 key things to look for in an a quality EPLI policy:
It only takes a couple minutes to get a EPLI quote and I handle all quotes personally & privately.
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Is there an Ohio Auto Insurance Company that Does Not Run Credit?
One of the most common search inquiries auto insurance consumers are looking for is auto insurance companies that do not run credit. This can be very challenging because 92% of all auto insurance companies run credit to some degree.
However, there are a few companies out there that do not factor credit in at all towards your auto insurance rate. However, understand that by limiting yourself only to companies that don't run credit may end up costing you a higher rate.
The Great Credit Myth!
If you only want to get an auto insurance quote with companies that don't run credit, that's fine. But understand that there is a lot of false information out there concerning auto insurance and credit reports:
Where can I get an auto insurance quote without running my credit?
If you're still convinced that you would only like to quote with auto insurance companies that don't run credit, I will be happy to oblige. Simply click on the link below and fill out the quote form. At the bottom of the form, there is a box to enter comments and requests. Simply mention that you only want quoted with companies that do not run credit. I will only quote you with those companies, and find you the lowest rate.
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What is Employment Practices Liability Insurance?
Employment Practices Liability Insurance protects business owners from being sued by past, current or potential employees. Reasons for being sued that an EPLI policy protects include:
Who needs EPLI insurance?
Any business owner who hires employees faces a risk of being sued by past, current and potential employees. Many business owners will tell you that while they once thought of their business as "one big happy family", they later had to deal with lawsuits from those same people.
Can I attach EPLI insurance to a Business Owners Policy or General Liability Policy?
The answer will vary from company to company, but generally, most BOP's and GL's that offer EPLI provide lousy coverage. Buying stand alone EPLI coverage offers much better protection and at much higher limits.
How do stand alone EPLI policies compare with attached EPLI policies in terms of premium?
This answer will vary greatly from company to company. Much of it has to do with what is covered (or what isn't), and the limits the company offers. Common sense tells us that the cheapest policies offer the least protection and/or the lowest limits of coverage.
The key is to find a company that offers the best protection at affordable rates. For most business types, ABA Insurance Services offers the greatest value as far as high levels of protection and coverage versus premium. ABA also has great flexibility in terms of the size of businesses they accept. They can cover the smallest of businesses and also cover larger businesses of up to 250 employees (with part time employees counted as 1/2).
If you live in Ohio, Michigan, Pennsylvania, Indiana, Virginia or West Virginia, you can get a quote with ABA through my agency in less than 5 minutes by clicking below.
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Do I have to carry Uninsured/Under-insured Motorist Coverage in Ohio?
In Ohio, Uninsured (UM) and Under-insured (UIM) motorist coverage is NOT required. It is optional. However, there are some key points to consider:
It is also estimated that one in every six drivers who have auto insurance liability coverage only carry the required state minimum coverage.
SUMMARY: Although Ohio law doesn't require UM/UIM coverage, you should think twice before declining the coverage. It provides a lot of protection for little premium.
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Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..