ChamberChoice Insurance Programs Offer Protection and Extra Earnings For Business Owners

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!

Are You A Renter? Make Sure Your Property’s Truly Protected.

When it comes to rented living spaces, it’s not just the landlords that need insurance coverage. If you are currently renting an apartment or even a home, it’s in your best interest to invest in an insurance plan made just for renters.

Rather than relying on any basic coverage that may come with your rented property, it’s in renters’ best interest to purchase additional coverage. Renters insurance plans protect you in unexpected situations, including fire, theft, water damage and so forth; with the national average of renters insurance working out to less than $14 a month, renters insurance is one of the most affordable and important insurance packages you can purchase if you live in an apartment or rented home.

Consider the protections that renters insurance offers:

1. Personal Property Protection: Renters insurance offers financial assistance if you have to replace any stolen or damaged items on your property – from furniture to computers to clothing – that result from a fire, windstorm, lightning, theft or vandalism.

2. Liability Coverage: Accidents happen. Whether you accidentally cause damage in your rented space, to your neighbor’s space – or even accidentally cause harm to a guest or neighbor – renters insurance covers your personal liability damages. 

3. Loss-of-Use Coverage and Living Expenses: Disaster can leave an apartment or rented home temporarily uninhabitable. People with renters insurance are provided living expenses for temporary relocation in these situations.

While some apartment complexes offer insurance programs to residents, it never hurts to get a third set of eyes to evaluate your coverage and make sure that it’s just right for you, as well as help you find the right insurance plan if you don’t have one yet. We highly encourage all renters to inventory their personal belongings and to meet with someone on our Fisher Widmann Flick Insurance Agency staff.

Based on your feedback and on the risk factors of the area you live in, we can help you find or even customize the perfect renters plan for your needs. Whether you live in the Johnstown area or even in Blaire County, Cambria County, Somerset, Latrobe, and any other nearby counties, our local contacts will always be there to help you.

Don’t spend another day living in an unprotected apartment or rental home – contact us now!

**Image courtesy of Flickr user longlostcousin

Apartment Owners: Include Insurance In Your Business Plan

Do you own an apartment building?

If you do, you understand fully that apartment buildings are a landlord’s livelihood. Renting out an apartment complex is a strenuous business; it requires hours of work as landlords oversee building maintenance, pay various bills, and of course, work with tenants to ensure that everyone has as pleasant a living experience as possible.

With so many people living together under one roof, even a minor issue has the potential to become a bigger one of it’s not properly addressed. This is why owning the right insurance policy to help protect your building – a.k.a. your entire business – should be a vital part of any landlords’ business plans.

Solid insurance plans on an apartment building offer assistance when the unexpected happens, whether that means a minor incident such as a visitor injury, or an extreme catastrophe, such as a building fire. But what sort of insurance should an apartment building owner look into?

Currently there are four broad, popular insurance categories to consider:

Business Property Insurance: Business Property insurance helps to protect and cover the building, equipment and income you rely on each day. This insurance offers financial assistance when your building is damaged or your office contents – including leases and financial paperwork – are destroyed or stolen.

Business Liability Insurance: Your apartment building is not a bubble; tenants, workers, or visiting friends all walk the halls you’re responsible for. Should any of these people slip, fall, or injure themselves otherwise on your property, liability insurance offers assistance with legal defenses, as well as legal damage payments.

Business Crime Insurance: Sometimes, despite the best efforts to prevent it from happening, the wrong people get into an apartment complex – determined thieves may break in or vindictive employees may steal something important as they leave. At the end of the day, even the safest apartment needs protection from crime; business crime insurance offers coverage for when criminals – whether they’re an employee or a third party vandal – wreak havoc in your office or on your property.

Building Ordinance Insurance: Sometimes your building needs major repair or remodeling work done; maybe a storm damaged part of your complex, or maybe a new law means that your building is no longer up to code. Either way, ordinance insurance will help you cover the cost of any necessary rebuilding and maintenance work.

Of course, ideally a landlord’s insurance policy will offer a customized level of protection that considers all four of these popular insurance categories. Fortunately, forming an insurance policy that’s perfect for your building is extremely easy.

A quick consultation with our Fisher Widmann Flick Insurance Agency staff can help you develop the policy that’s right for you. We’re proud to work with landlords and building areas throughout the Johnstown area, as well as in Blaire County, Cambria County, Somerset, Latrobe, and all other surrounding areas in central Pennsylvania.

We offer personalized assistance and have numerous local contacts across the state ready to help you at a moment’s notice. We also have connections with 15 major insurance companies, including our newest partner, Safeco Insurance, a Liberty Mutual-owned company that will work with our team to ensure that you receive the best Landlord protection insurance possible.

Using these resources, our insurance sales team at F.W.F. will always help you purchase the best apartment property insurance policy to ensure that your apartment complex – your business – continues to run as smoothly as possible. Contact us today to learn more about what we can do for you!

Image courtesy of commons.wikipedia.org

 

Property Insurance: An Important Investment For Business Owners

Business owners, does your company currently have commercial property insurance? If the answer is no, now is the perfect time to consider how commercial property insurance could help your business in the future if disaster strikes.

Commercial property insurance adds a layer of financial protection to help your business when disaster strikes and your property is damaged. Whether your business owns its own building, rents its office, or is located at your home, a commercial property insurance plan makes for an excellent layer of financial protection.

This select type of insurance covers a company building and the contents of the building that belong to the company; under commercial property insurance, “property” can potentially refer to more than just your company building – it could also cover lost income or business interruption, computers, money, and valuable papers. Whether you need help covering the repair costs after experiencing an office fire or replacing missing items and equipment after vandals strike, a property insurance plan will ensure that you get it.

This sets property insurance apart from most basic business insurance policies often offered by buildings that lease offices to multiple companies, and ensures that your business-related material is thoroughly covered if you work from home.

So what kind of property insurance plan might you need? There are two basic types of property insurance policies that you could potentially purchase: all-risk policies covering a wide-range of incidents and perils except those noted in the policy, or peril-specific policies that cover losses from only those perils listed in the policy.

What’s the difference? All-risk policies are used to cover risks faced by the average small business, while peril-specific policies can be purchased when there is high risk of peril in a certain area.

Which one of these might be best for you? Consult with us to find out. Whether you own a small financial consultation business, a bakery or even a farm, our Fisher Widmann Flick Insurance Agency staff can help you find the policy that’s right for you. We work with the Johnstown area, as well as in Blaire County, Cambria County, Somerset, Latrobe, and all other surrounding areas.

With our personalized assistance and local contacts there to help, and by using our connections with 15 major insurance companies, our insurance sales team at F.W.F. can help ensure that you purchase the best commercial property insurance policy to ensure that your business and office is truly covered. Depending on the level of risk in your area, we also can protect you for flood coverage by getting a separate flood policy.

Contact us today to find out just how much additional protection and coverage we can get for you!

Safeco Insurance Partnership Enhances F.W.F. Insurance Agency Packages

Is your auto insurance policy as comprehensive as it could be?

The importance of owning a solid, strong, and sweeping auto insurance policy cannot be overstated. Our previous blog post discussed in depth the importance of purchasing a comprehensive auto insurance package that covers more than what your state requires. Unfortunately, for one reason or another, many drivers believe that they cannot afford or even find reasonable insurance plans for their vehicles.

Both the Johnstown-based the Fisher Widmann Flick Insurance Agency (F.W.F Insurance Agency) and partner Safeco Insurance – a Liberty Mutual-owned company – are working hard to help drivers save money while still getting the coverage that they need to ensure that they are protected in a worse-case scenario. Our companies hear every reason in the book that people avoid purchasing auto insurance – here are just four auto insurance myths that our two companies are busting every day:

  1. Auto insurance will cost me too much. False! Safeco Insurance, now working with the F.W.F Insurance Agency, currently offers numerous discounts and opportunities for you to save and pay less for auto insurance.
  2. I don’t own a basic automobile and so it won’t be covered by insurance. False! Both the F.W.F Insurance Agency and Safeco cover more than just automobiles. The F.W.F Insurance Agency has always offered insurance for automobiles, boats, motorcycles, and other related moving vehicles. Partner Safeco is well known for offering coverage on a variety of automobiles – from sedans to hybrids to minivans and more – as well as pickup trucks and RVs. Between the two of us, we promise that your vehicle will be covered.
  3. I don’t live near your companies and so I can’t get insurance. False! Your local agents from both Safeco and the F.W.F Insurance Agency can offer highly personalized advice on auto insurance coverage that’s right for you, no matter where you live.
  4. It will take me too long to get covered. False! If you work with an F.W.F Insurance Agency Representative through Safeco, you can get an auto insurance quote in about five minutes, and a policy that’s right for you in only a few minutes more than that!

Getting affordable car insurance is more than just possible: it’s easier than most people realize. So don’t take a chance that you may not be able to afford – you can get all the coverage you need, not just the coverage that’s required, even on a budget.

Anyone interested in learning more about the services of the F.W.F Insurance Agency or its partner company should click here to contact the F.W.F.