insurance

How an Agent Can Help with a Commercial Insurance Audit

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No matter the type of business you own, you are investing your time, money, and hard work into building it. You deserve to have peace of mind knowing that, in situations where something happens, you have proper insurance coverage to meet your needs and keep your business on the right financial track. The only way to know if you have that protection is to invest in a commercial insurance audit.

At Options Insurance Agency, we work with a wide range of businesses to determine the best coverage combination for their needs. If you need commercial insurance in or near Hershey, PA, to meet your goals, contact us for an audit.

What Is an Audit?

A commercial insurance audit is an opportunity to take a closer look at the current insurance you have to determine if it provides enough protection without costing you too much money. During an audit, your insurance agent reviews the types of risks associated with your business based on what others in the same industry file claims for, and the risks likely present to your company as you move forward.

Your insurance should cover your assets, including real estate, equipment, and computer systems. It should also protect you from liability claims or claims made against your organization. Your coverage may also need to include professional liability or protection for specific services you offer as a contractor. During an audit, you can make sure you have enough of the right coverage for your needs. Often, this means saving money and getting better protection.

Schedule an Audit to Learn More

It is wise to speak to your insurance adjuster at least once a year to learn what your options are. Turn to Options Insurance Agency now for a commercial insurance audit to learn more. We work with those in Hershey, PA, and the surrounding areas.

Have You Recently Reviewed Your Auto Insurance?

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Your auto insurance helps protect you and others on the road from the financial difficulty that can come from auto accidents. Many people get an auto insurance policy and then think little about it for years! If you haven’t reviewed your auto insurance policy, now is the time. The professionals at Options Insurance Agency, serving Hershey, PA, can help. Here’s what you need to know about reviewing your auto insurance.

Why Review Your Auto Insurance?

When you select your auto insurance policy, the level of coverage may be based on many things, including how far and often you drive, the value of your vehicle, and other factors. Reviewing your auto insurance periodically makes it possible to ensure that these factors are still accurate, so your vehicle has the proper insurance for your needs. 

When Should You Review Your Auto Insurance?

Review your auto insurance coverage once per year, maybe around the same time of year that you review other insurance policies. 

How Should You Review Your Auto Insurance?

To review your auto insurance policy, contact your insurance agent. They can go over the documentation with you to help you determine whether you have the right level of coverage for your needs.

Consider how much you use your vehicle and the type of coverage you have. Not all types of insurance are the same! Consider whether you need full coverage, comprehensive coverage, collision coverage, or simple liability insurance. 

Time To Review Your Auto Insurance? Call Us

If you’re ready to review your auto insurance policy, the insurance agents at Options Insurance Agency can help you. Call us to speak with one of our insurance professionals. We’re currently serving Hershey, PA. 

How Auto Insurance Works Across International Borders

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Driving across borders isn’t something most Pennsylvania drivers do every day, but it does come up. Maybe you’re planning a road trip to Canada, or you’re renting a car overseas. Before you go, it’s worth knowing how far your auto insurance through Options Insurance Agency serving Hershey, PA will actually travel with you.

Crossing Into Canada and Mexico

For most Pennsylvanians, Canada is the easier option. Standard U.S. auto policies generally extend north of the border, so you’ll usually be covered for liability and damage. Mexico, however, is a different story. U.S. policies don’t apply once you cross into Mexico, and local law requires a separate Mexican insurance policy. If you’re driving down for vacation, buying that extra coverage is a must.

Driving Abroad With Rentals

Heading overseas to Europe or elsewhere, your U.S. policy won’t follow you. Rental companies often provide coverage options, and sometimes credit cards offer protection too. It’s not wise to assume; you’ll want to check before the trip to make sure you’re not left footing the bill if something happens on unfamiliar roads.

Why Local Rules Matter

Every country has its own insurance requirements, and penalties for driving without proper coverage can be just as severe or even more so than in the U.S. Even in Canada, where your Pennsylvania policy may apply, proof of insurance is still expected if you’re stopped. Carrying the proper paperwork and knowing the limits of your policy can save time, money, and headaches.

International travel brings enough moving parts without worrying about insurance gaps. By reviewing your policy and talking with your agent at Options Insurance Agency serving Hershey, PA, before crossing a border, you’ll know what’s covered and what’s not. That way, you can focus on the trip instead of paperwork.

Heavy-Duty Equipment Insurance Coverage for Commercial Essentials

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Does your workforce rely on heavy-duty equipment for daily operations? Expensive equipment essential to your business should be insured. Here are some ways commercial insurance coverage can protect your assets.

Protection Against Equipment Accidents

Accidents involving your equipment can lead to significant medical bills and legal fees. Liability protection can help offset these expenses, covering medical costs, attorney fees, and other charges directly related to accidents at your business.

The amount of liability coverage you choose may depend on the value of your equipment and its intended use.

Coverage for Criminal Activity

Criminal acts at your business, such as theft, vandalism, or damage to equipment, can disrupt operations and result in financial losses. Commercial insurance designed to protect against criminal activity can help safeguard your assets.

This coverage may include costs for inspecting equipment, repairing or refurbishing damaged items, and replacing stolen equipment.

Protection from Adverse Weather Conditions

Severe weather events like hurricanes or floods can pose a significant threat to your business. Commercial insurance that covers catastrophic conditions can help you avoid the financial burden of high repair or replacement costs.

This type of coverage may reimburse you for expenses related to repairing or replacing materials damaged by adverse weather.

Expert Insurance Assistance in Hershey, PA

Get the guidance you need to update your commercial insurance policy. Contact a representative at Options Insurance Agency. Our team can help you make the necessary upgrades to ensure your business is fully protected.