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Posts made in May 2019

Why You Need Personal Liability Insurance in Glendale, AZ

couple speaking with insurance agentA fact of life is that accidents happen. If you are involved in an accident and have been held responsible for it, it is necessary to compensate the injured party. Personal liability insurance in Glendale, AZ, can protect you in your time of need. Let’s talk about why taking out a personal liability policy is a good idea.

A liability insurance policy is a type of coverage that protects you in the event that someone has been hurt on your property or as a result of your actions. For example, if you have company over at your apartment or condominium and they are injured, they may try to seek compensation. The liability policy can provide a payout that helps cover medical expenses, among other things.

Another benefit to having liability insurance is that it can also provide protection if you are being sued. Many policies include tenets that can provide legal representation and the coverage of court fees and expenses. In these instances, you can significantly reduce your out of pocket expenses if you have a liability policy.

Nobody ever expects an accident to happen. When the unexpected occurs, liability insurance can be a lifesaver. Take the time to assess your property, your lifestyle, and your tolerance for risk. With the right insurance policy, you can have the breathing room you need to live more comfortably.

The Importance of Commercial Truck Insurance in Glendale, AZ

truck driver giving a thumbs upCommercial trucks: they’re a common sight on the road and a foundation of the economy. Whether you are an owner-operator or manage a fleet of commercial vehicles, it’s important to protect your investment and your livelihood. For these instances, consider commercial truck insurance. In Glendale, AZ, drivers and truck owners are taking advantage of the benefits and coverage that policies provide. Today we will talk about why taking out an insurance policy is important.

Commercial truck insurance is comprised of a collection of policies that are designed to protect commercial trucks and their drivers. These policies can provide financial assistance or logistical support–tools that you may use in a time of need. Many trucking companies, drivers, and owner-operators take out policies for many reasons, including:

State and Federal Regulations: Federal law requires that commercial trucks be covered by some form of insurance policy. Additionally, state laws have different requirements. Depending on the weight, passenger capacity, or nature of the cargo your trucks carry, you may be required to carry a specific insurance plan. Your auto insurance broker can help you find a policy that meets your needs.

Asset Protection: Trucking companies, owner-operators, and for-hire drivers depend on their vehicles to secure their revenue. If something were to happen to a vehicle or its driver, the losses could take a big toll. Insurance policies are intended to protect trucks, equipment, and cargo–offsetting the potential financial losses.

Personal Protection: In a similar vein, it is important to understand that driving poses distinct risks, including the risk of bodily harm. Insurance can also include a liability policy that protects drivers and other parties involved in an accident. These policies can help pay for emergency services, health care and treatment, and more.

Finding the right policies that meet your needs is a daunting task, but it can help you in a time of need. Consider your options for commercial truck insurance and protect your enterprise from the unexpected.

What to Do After a House Fire – Pt. 2

smoke detectorIn our last post, we showed you the first four steps toward getting your life back together after a fire. Here are four more tips from our insurance company in Peoria, AZ, to help you and your family recover from a house fire:

Create a List of Damage Items

Make a list of all of the items that were lost or damaged in the fire to ensure that your homeowners’ insurance policy will reimburse you. Some insurance carriers will require details like receipts and serial numbers. Unless these receipts were kept in a fire-proof safe, there is a chance you won’t be able to retrieve them. Try searching your online bank statements for proof of purchase.

Check on the Safety of Your Home

Fire can damage your home’s structural integrity and leave behind hazardous obstacles. Before returning to your home to recover any salvageable items, make sure the fire marshal has deemed it safe to enter your house. Entering your home too soon after a fire can be dangerous and can also void parts of your home insurance policy.

Save Undamaged Possessions

If your home has not been destroyed, and the fire marshal and your insurance carrier have declared it safe to enter, it is time to recover your possessions. If your home is still in decent shape, you can hire a professional to restore your home. If you need to move, or if it will be a while until you can live in your home, you may want to rent a storage unit for any items that you can salvage.

Don’t Turn on Utilities until it is Safe

When putting out a house fire, firefighters often turn off your utilities to prevent further damage to your home. You need to contact both the fire department and your utility provider to ensure that it is safe to turn them back on. To prevent additional fires, gas leaks, or water damage, call a professional to inspect your house before you restore your utilities.

When you need quality homeowners’ insurance to protect your family from a house fire, call Henderson Anderson Insurance at (866) 241-9005.

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