Before you let your 16-year-old buy a souped-up hot rod, make sure you can afford the insurance coverage. When you have teen drivers in the house, it’s an automatic given that your rates will increase. So, talk to your Options Insurance Agency representative in Hershey, PA before co-signing for a car. 

Each state has its own minimum car insurance requirements for all drivers. This coverage provides limited protection, so make sure you understand what’s covered and what’s not.

Find Out if Your Teen Qualifies for a Discount

Most Pennsylvania insurers offer discounts to teen drivers who show responsible behavior trends in other areas. For example, if your son or daughter has at least a B average in high school, you can probably get a discount. Completing a drivers education course also shows responsible behavior and that’s rewarded by many insurers. 

Of course, just like adults, your teen should work on building up a good driving record to qualify for optimal rates. 

College Kids Save on Insurance

If your teen is ready to head off to university and doesn’t have a car, you’re probably going to get a break on your car insurance. 

Choose the Car Wisely

Ask your Options Insurance Agency representative for a list of cars that get the best insurance rates. Then, match it up to used cars in your area that is within your teen’s budget. This saves you from unwanted surprises down the road. 

This is a very exciting time for your son or daughter, and they should enjoy their new independence in Hershey, PA. You can enjoy it with them if you’ve done your research ahead of time. 

People who choose to open up their own pet daycares in Hershey, PA tend to have a deep passion for working with animals. They want pet owners to have the option to leave their pets with a trustworthy babysitter while at work or away on vacation. There are a variety of services offered by most pet daycares, and if you are the owner of one, it is imperative that you maintain proper insurance on your business. Let’s look at whether or not a pet daycare needs commercial insurance from Options Insurance Agency. 

Workers’ Compensation

There are many types of insurance that you may need to invest in when operating a pet daycare. For starters, if you have employees working for you, then you will need to purchase a workers’ compensation policy. This will allow you to have peace of mind in knowing if an employee gets injured while performing a work-related duty, your insurance can cover such things as the employee’s lost wages and more. The exact types of coverages that workers’ compensation insurance provides can be found in the fine print of the policy. 

General Liability and Umbrella Insurance

You’ll also want to buy general liability insurance. This way, if someone gets injured while on your business property, you can rest easy knowing you can’t be held responsible for bodily injury or property damage expenses. It is possible, however, for the limits of your policy to be exhausted, which is why considering an umbrella insurance policy is always a smart move to make. 

Business Owners

Another type of valuable insurance a pet daycare can purchase is a business owners policy, which usually includes general liability coverage as well as various forms of specific property damage coverage.

If you would like to learn more about the types of insurance that a pet daycare needs, please contact the Options Insurance Agency, serving the Hershey, PA area, today.