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Is Your Excavators Insurance As Comprehensive As It Could Be?

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Now that the season has made good weather a common occurrence, chances are that you’ve walked past a construction site or two as business picks back up for builders, excavators and contractors alike.

As a passerby, it’s likely that you’ve never even given the workers a second thought. But if you’re one of the workers operating an enormous piece of machinery day after day, helping to clear out an area or build a new structure, it should come as no surprise to you that your entire operation needs to be properly insured.

Insurance is important for any work site, but is especially vital on active construction and excavation sites. For contractors, insurance offers protection against different levels of risk regarding possible accidents, injuries, or even property damage caused specifically by ongoing work. Like contractors, excavators need comprehensive insurance as protection against the many risks associated with working in the construction business; while contractors generally manage the oversight of a construction project, excavators are exposed to a range of potentially hazardous situations involving underground digging, heavy machinery, cranes, and sometimes even explosives.

It only takes one small mistake while working as an excavator to create a large problem that could damage the area being worked on – or worse, injure a worker. And if a company has the wrong insurance policy, they may not be properly covered in the event of a worksite accident or lawsuit.

Fortunately the right insurance will help ensure your company’s safety and financial security, allowing you to focus on working safely, rather than worrying about what you’ll do if something goes wrong.

Don’t spend your valuable time worrying about what your insurance covers – instead, let our team at the Fisher Widmann Flick Insurance Agency help you. Our experienced team of staff members working throughout central Pennsylvania can ensure that you’re fully covered by your Excavator Insurance. Our cost-cutting services will give you full coverage in a range of areas, including:

-Commercial General Liability or Umbrella Liability Insurance

-Underground explosions or collapses Insurance

-Owned or Leased Contractors’ Equipment Insurance

-Fleet Coverage Insurance

-Property Insurance

-Workers Compensation

Working with our staff will ensure that your business can continue to operate knowing that its equipment, employees, and financial well-being are all protected with the best insurance plan that’s been tailored to your needs.

So go ahead and make an appointment with one of our staff members – whether you’re in Johnstown or any other area in central Pennsylvania, and whether you need an entirely new policy or to just update the one you already have, we’re here to help you make sure that your excavation business is fully covered for a reasonable price. Our representatives in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties are all ready to work with you so that you can concentrate on your business, rather than your worries.

Equipment Breakdown Insurance Will Truly Protect Your Business

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A lot of effort goes into making any business successful. So after owners and employees alike put lots of time, talent, energy and even financial support into operating a business, doesn’t it make sense that those investments and efforts would be protected?

As we’ve discussed in the past, disaster can strike any business at any time; that’s why commercial property insurance is usually considered the must-have protection policy for businesses. However, even if your business does have commercial property insurance, there are still many more parts of the business that you should look into protecting.

Consider, for example, your business’ equipment. Most (but not all) property insurance policies will cover damaged or stolen equipment in the case of fire, a break-in, and other disasters of that nature. But what happens if your equipment stops working during a normal business day?

In that case, property insurance offers no protection or assistance with that particular problem whatsoever. This means that a single power surge, short circuit, or general malfunction could potentially cause a major problem, and depending on the equipment could even bring your entire business to a standstill.

Equipment is exactly what allows a business to continue to operate normally. But inevitably, breakdowns and malfunctions will interrupt the work process; that’s exactly why a business needs to be prepared to deal with them and ensure that their business will begin running smoothly once more as soon as possible.

Fortunately, in addition to commercial property insurance, many insurance companies also offer Business Equipment Insurance and Equipment Breakdown Insurance that can be tailored specifically to your business’ needs. Just a few examples of types of equipment that can be insured are*:

 ·Refrigeration and air-conditioning equipment

·Boilers

·Electrical equipment

·Computers

·Diagnostic equipment

·Mechanical equipment

·Pressure vessels

·Telecommunications systems

·Production machinery

Whether your concern is protecting a fleet of computers or covering the potential repair bill of a massive work vehicle, one insurance policy could ensure that your business is up and running after a malfunction, for a minimal financial hassle, within no time. Plus, as an added level of protection, often business equipment insurance offers coverage for a loss of income experienced during a repair, so that your business is minimally set back after lost time on the job.

Equipment breakdown insurance is an essential tool to prevent major losses at your business. That’s why now is the perfect time to review your business’ commercial property and equipment insurance policies. We strongly encourage you to schedule a personal assistance meeting with one of our Fisher Widmann Flick Insurance Agency staff or representatives to go over one, the other, or both. We are all specially trained and ready to help evaluate your policy options to ensure that the equipment at any business, big or small, is covered and insured. So whether you’re in Johnstown or any other area in central Pennsylvania – and whether you need an entirely new policy or to update the one you already have – we’re here to help you.

Go ahead and schedule your appointment now; our representatives in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties are all ready to help you so that you can go into work tomorrow knowing that even a malfunction in your equipment won’t slow your business down this year.

*Source: Partner Liberty Mutual

FWF Will Help Volunteer Firefighters Get The Benefits They Deserve

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At the Fisher Widmann Flick Insurance Agency, we understand the challenges that Pennsylvania locals face when obtaining insurance; a little change in a local policy or state law can make a big difference in the insurance recommendations we make for individuals, businesses, and municipalities alike.

One example of a local law that has affected our insurance recommendations is Pennsylvania Act 46, a law with good intentions that has sadly had a negative affect on our state’s volunteer fire departments and firefighters alike.

Act 46 is also known as the “Firefighters Cancer Presumption Law”; inspired by the long-term health risks 9-11 servers were facing, the law is meant to do a good service: provide benefits for firefighters who developed cancer in the line of duty.

Unfortunately, as more and more workers compensation claims are coming in, insurance companies, concerned over growing costs, are beginning to revisit their rates, which can result in municipality and local budget cuts due to an increased cost of their insurance packages; some insurance companies have even considered worker compensation for firefighters (especially volunteers) altogether. While this is not the case for every insurance company, it has happened enough to cause concern amongst the Pennsylvania firefighting community.

Any worker deserves to have workers comp insurance protecting them in case of an accident, but for firefighters, workers comp is more than that: it’s an essential protection that could provide income, medical benefits and rehabilitative services should that firefighter be injured on the job. For volunteer firefighters, who give their services for no regular pay, this benefit is all the more important.

We at the FWF want to make sure that no one as courageous and generous as a volunteer firefighter serves their community without the proper protection they deserve. We encourage anyone facing a loss of workers comp as a result of this act to contact us so that we can help you get back what you have earned and what you truly deserve: solid protection.

Our staff across the state are working to replace any coverage lost under Act 46; please contact us or one of our local representatives if your workers comp coverage has been canceled. Wherever you may be located – Blaire County, Cambria County, Somerset, Latrobe, and beyond – we’re there, and we’re ready to help you. Whether we need to work our connections at 15 other major insurance organizations to find your group a new plan with a new company, or work with the State Workers Compensation Fund, we can obtain new coverage that ensures your local volunteer firefighters continue to help their community with every benefit they deserve protecting them in return for their service.

ChamberChoice Insurance Programs Offer Protection and Extra Earnings For Business Owners

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Does your business insurance earn dividends?

Dividends, or payments made by a corporation to its shareholders, are usually not a common staple in insurance packages. However, on some insurance policies, depending on the total group premium and total claims experience, policyholders can find themselves earning an annual dividend.

ChamberChoice, a service offered exclusively to members of chambers of commerce through Penn National Insurance, offers several service packages to chamber members, including but not limited to individual and group health insurance, dental and vision coverage plans, and a business insurance plan with a dividend potential through Penn National Insurance. In fact, a dividend of almost $500,000 was recently declared for the first program year.

If you run a business, you understand just how important it is to have a business insurance plan that protects you against operational losses. Why not sign up for a plan that offers great coverage through Penn National Insurance, with dividend potential? You have nothing to lose – but plenty to gain; ChamberChoice members often report that their ChamberChoice dividends are enough to fully cover a local chamber of commerce membership, plus a little more.

Now is the perfect time to consider your business insurance and look into potentially earning dividends back on your insurance plans. Maybe you’re just starting a business, or maybe you need to upgrade your insurance as your business expands.

Either way, our Fisher Widmann Flick Insurance Agency staff members are here to help. We’ve worked with countless business owners in Blaire, Cambria, Somerset, Latrobe, and a multitude of other nearby counties; our representatives can use their connections with Penn National Insurance to ensure that your business insurance policy is just what you need and want.

Whether you want Key Person Insurance to ensure that you’re protected if a key member cannot perform their duties; General Liability Insurance to help protect your business from liability claims to injuries on site; or Product Liability coverage to help protect yourself against the results of using a damaged product – our staff is here to make sure that the coverage you get is the coverage that you need.

Contact us now to set up a meeting if you want to learn more. Be sure to mention your interest in ChamberChoice’s special packages, including business insurance plans with a dividend potential. We will happily explain more about ChamberChoice’s programs and see if they’re a good fit for you and your business!