When Does my Business Require a Commercial Insurance Policy?

Commercial insurance is an important protection for a business and its assets. This is especially true for small businesses, who may be susceptible to losing their entire business over authentic- and frivolous lawsuits or claims. In Indiana, commercial insurance is not required by law, but having insurance is encouraged to be proactive in protecting your business.

Indiana is a modified comparative negligence fault state. What does this mean? It means that even if the blame for an accident is fully shared, your business can still be sued- and deemed liable- for damages for up to 2 years after an accident. Kevin Dennis Insurance Agency serving Mishawaka, IN understands the importance of commercial insurance policies and how to educate- and protect- its consumers. Agents are here to help.

Having an affective commercial insurance policy in place is the only way to assure that your business is not at risk for claims that could damage your business professionally, as well as financially. Living in a digital media era, it is easy and fast for a customer to complain via social media and start a potential lawsuit just through word of mouth. Are you prepared to combat this?

A good commercial insurance policy will usually include: workers compensation insurance, lawsuits, attorney fees, business and commercial automobiles, disability for employees, theft, fire and various other natural disasters, business losses and claims. Having a knowledgeable and experienced agent on your side to guide you through securing the right policy for your company will be the edge you need to be competitive and smart in picking your policy. If you are in the Mishawaka, IN area and think you may be in need of a commercial insurance policy for your business, contact the Kevin Dennis Insurance Agency today. 

5 Ways to Childproof Your Yard for Summer

Childproofing your yard will make it a safer environment for summertime fun. Whether you’re planning fun activities for the family or getting together with neighbors and friends, the following steps can help get your yard ready for kiddie play.

Flora and Fauna

If your yard is sparse on grass, consider planting some to soften the blow of trips and falls during outdoor play. Make sure all plants in your garden are safe for kids to touch. Young kids, in particular, could get sick by touching or ingesting poisonous plants.

Upgrade Outdoor Furniture

Old patio furniture with sharp edges makes your kids more susceptible to accidents. By upgrading to child-friendly patio furniture with extra padding, you can create a safer patio environment.

Safeguard Pool

Protect your kids from accidental drowning by enclosing your in-ground pool with a security fence that comes with a lockable gate. Portable kiddie pools should be set up on level ground and emptied after every use. Even several inches of water can pose a threat of drowning to toddlers.

Lock Up Garden and Grill Tools

Designate a safe location in your South Bend, Elkhart, or Mishawaka, IN home for storage of garden tools and grill equipment when not in use to keep them well out of reach of children.

Invest in Safe Play Equipment

If you’re buying playground equipment, invest in safe, name-brand structures that are appropriate for your child’s age. Set up play equipment in a safe location away from trees and bushes and check it periodically for signs of wear and tear that could cause accidents.

Before hosting summer BBQs and parties, review your homeowner’s insurance policy from Kevin Dennis Insurance Agency in Mishawaka, IN to make sure you’re covered for any eventuality. For more information on coverage options, contact an agent from Kevin Dennis Insurance Agency today.

Information You Need to Have on Hand When Getting a Commercial Insurance Quote

If you own a business, it is highly recommended that you obtain commercial insurance. This helps to protect your business against a variety of losses including theft, employee loss and loss from fire or flood. If you have never carried this type of insurance before, you may be unsure what information you need to have on hand when getting a commercial insurance quote. Here are a few things you will want to know or have readily available when you call to get a quote.

The Number of Employees You Have

When you call in to get a quote for commercial insurance, you will want to have a rough estimate of the number of employees who work for you. Commercial insurance generally covers your employees against injuries at work, so the more employees you have, the more your insurance quote will be. Having the exact number of employees you employ on hand when you call for a quote helps to ensure the quote is as accurate as possible.

The Total Value of Product or Merchandise in Your Store

Another number you will want to have on hand when you call for a commercial insurance quote is the value of the product or merchandise you keep in your store or warehouse at any given time. This helps to ensure you get a quote that fully covers the valuables stored in your space.

The Number of Claims That You Have Filed in the Past

Lastly, if you have had commercial insurance in the past, you will want to know how many claims you have filed against this policy in the past five years. The more claims you have made, the higher your policy will be. However, an insurance company will verify this information, so providing accurate information ensures your quote is as accurate as possible.

If you are looking to obtain a commercial insurance quote, let Kevin Dennis Insurance Agency, serving the greater Mishawaka, IN area, a call. We would love to assist you with all of your insurance needs. Call us now for a free quote or to work with one of our agents to put together the policy that best meets your needs.

Mishakawa, IN insurance options

Mishawaka, IN is located just outside of South Bend, which is best known for Notre Dame University. This suburb of the infamous college town is known as a quiet place for people to live and work but those who are residents here should look into having a number of insurance policies to protect them against the unexpected. Below are some options for why you need insurance in a place like Mishawaka, IN, preferably through a provider like the Kevin Dennis Insurance Agency, who serves the greater Mishawaka area.

AUTO INSURANCE TO PROTECT YOU ON THE ROAD

Auto insurance is one of the most important forms of insurance that you can opt for in Mishawaka, IN. Everyone who owns a car knows the true freedom of traveling around the Indiana area. The base insurance policies will protect you against having to pay for damages that an accident you are at fault for causes to someone else’s car or in the case of personal injury. However, your insurance agent can advise other larger forms of coverage that will protect you against having to pay for property, your own vehicle’s damage, and any lawsuits that may arise out of the collision. If you have a car, you’ll need this type of insurance.

HOME INSURANCE TO PROTECT WHERE YOU LIVE

If you have a house in Mishawaka, you will need insurance to protect where you live as well. This will cover everything from the serious storms that blow off Lake Michigan, to a fire that burns the house down, or even the exploding pipes in the dead of winter that flood the basement. Without this type of insurance, your perfect home in this sleepy suburb could become a perfect financial nightmare and quite literally leave you homeless. Talk to an insurance agent with Kevin Dennis Insurance Agency today to make sure you are properly covered.

Finding the Homeowners Insurance for Your Mishawaka, In Home

As a homeowner in Mishawaka, IN, it is important to understand the different types of homeowners insurance available. Insurance is an important asset to own in the event of financial loss due to an accident, certain acts of nature, or theft that may take place on your property. You need to have the correct level of coverage for your home; a discussion with an independent agent for the Kevin Dennis Insurance Agency, Mishawaka IN can help you determine how much insurance you need and if you have the proper amount.

Types of Homeowners Insurance

There are different types of homeowners insurance coverage. The basic type of policy, HO-2, provides coverage for a variety of loss types. These include loss caused by fire or smoke damage, explosions, lightning, hail and windstorms, theft, vandalism, and any damage from vehicles or an aircraft. The basic form will also cover a financial loss that can occur from riots and civil commotion, and even a volcanic eruption, although a nonexistent risk to your Mishawaka, IN home.

Damage from floods and earthquakes are not covered under your standard homeowner’s policy. The risk of loss for floods requires the acquisition of flood insurance through the National Flood Insurance Program, a part of the Federal Emergency Management Administration (FEMA).

How Much Insurance Do I Need for My Mishawaka, In Home?

According to the State of Indiana Department of Insurance, 80 percent of your home’s replacement value should be covered by your homeowner’s insurance. This amount represents the full replacement of your home in the event of a total disaster (such as the case of a catastrophic fire that causes total damage to the home), less the deductible you pay. The best way to determine the replacement value of your home is to work with one of the independent insurance agents for the Kevin Dennis Insurance Agency to proper coverage and the peace of mind in knowing that your home is covered.

When to Update Your Home Insurance in Mishawaka

If your home insurance policy is looking a little dusty, you may want to think about giving it a makeover. If you live in Mishawaka, IN, then Kevin Dennis Insurance Agency has a few tips about renewing.

When You Spend 

The best time to renew your policy is when you start to spend big bucks on your home. Indeed, you’ll want to renew if you do a significant renovation to your home. So if you put in granite countertops or expensive bathroom fixtures, you’re going to want those to be covered if they’re damaged in a storm or act of vandalism. But you’ll also want to update your policy if you’ve bought new electronics, art or jewelry. You will never be able to predict how those things might be destroyed in some way, so it’s worth updating your policy to ensure that they can be replaced.

When You Don’t 

The truth is that your home insurance may need to be updated even if you haven’t changed anything major to the house. Many people don’t know exactly how much is covered when they initially signed their policy, only choosing the cheapest possible premium available. This can end up costing you more than you think. If the possessions inside your house aren’t covered, will you be able to replace your television, phone, and stereo? Or will you end up having to work the next few months just to be able to afford to buy the things you had already purchased in the past?

Kevin Dennis Insurance Agency serves the people of Mishawaka, IN, and wants you to be able to keep the things you own. If you need a new home insurance policy or are just looking for a quote, give us a call today.

The Benefits of Buying Life Insurance with an Insurance Agent

When you are in the market for life insurance, knowing what you need can be tricky. Beyond the terminology, there are a lot of options for you. You can choose different types of life insurance, and you can choose different agencies. At Kevin Dennis Insurance Agency, we’ve found one of the best ways to buy life insurance is by using a licensed insurance agent.

Licensed Insurance Agents Can Match Your Needs

You buy products and services because you have a need. Although you know you need life insurance, purchasing life insurance with an agent can help you flesh out all of your needs, so that you buy the best policy for your situation. In fact, based on your finances, a life insurance agent can help you choose a policy that fits perfectly in your budget.

Insurance Agents Can Help You Understand Your Policy

Another reason insurance agents are great when it comes to buying a life insurance policy is because they can help you decipher what it is you are getting with your policy. There is no doubt, the language weaved in your insurance policy can be intimidating. In fact, if you don’t have experience with life insurance, you may find that it’s hard to determine what’s covered and what’s not. Fortunately, with the assistance of a life insurance agent from Kevin Dennis Insurance Agency, you can rest assured knowing that you chose the policy that is best for your family.

Insurance Agents Are Great During Annual Reviews

Most people purchase a life insurance policy, and then they leave it for years. Unfortunately, when you fail to maintain your life insurance policy, you could inadvertently hurt yourself. By working with a professional, you get the benefit of annual reviews. During the annual review, your agent will look for ways to make your policy better, save you money, and check to ensure you have enough insurance.

You don’t have to find a life insurance policy on your own. With the help of a professional life insurance agent at our offices in and around Mishawaka, IN, we can find the perfect policy for you. Visit us at our website to learn more about the different life insurance products we offer.

 

Common Misconceptions About Commercial Insurance

It’s important that business owners understand commercial insurance well in order to pick the best possible policy out their for their unique companies. Being able to recognize popular misconceptions about commercial insurance is important if you want to find a policy that meets all your needs and protects you against all the potential liabilities your company faces.

The following are five of the most common misconceptions out there about commercial insurance:

  1. It’s not necessary to get commercial coverage on a personal car that sometimes gets used at work- If your personal vehicle is being driven by one of your employees and an accident occurs, your personal auto insurance policy may not cover the damages.
  2. A commercial policy offering “general liability coverage” will offer coverage for car accidents occurring while commercial vehicles are used- In most cases, “general liability coverage” for a commercial insurance policy will cover costs that come up due to either physical injury or property damage of customers or members of the public.
  3. “Full” coverage means coverage for every possible liability- Read the fine print. No commercial insurance policy is actually going to cover every possible liability.
  4. Only those who work in medicine and law need “errors and omissions” coverage- Any company offering advice to clients could potentially benefit from errors and omissions coverage. If clients are paying you for advice that could impact their finances or health, errors and omissions insurance could be highly valuable.
  5. A commercial insurance policy will cover flood damage to company facilities- As with home insurance, commercial insurance does not automatically include coverage for flood damage. On most policies, it will be necessary to get this coverage as an add-on.

If you’re interested in commercial insurance for your Mishawaka, IN company, contact Kevin Dennis Insurance Agency to learn more.

Reasons to Purchase Flood Insurance

Even in areas that are dry for long periods of time, there are usually large storms that flood areas, even if just for a moment. The idea that you have to live in a flood prone area or an area that is a designated flood area to be susceptible to flooding is simply false. However, many people are living with this false sense of security. Flood insurance is something that all homeowners should have so they can protect their home and their investment and there are a few reasons why.

  1. Flooding can happen anywhere. You do not need to live by a river or stream for potential flooding. Flooding can happen if a water main break occurs in your home, if the above ground pool your neighbor has gives way, or even in over or newly developed areas because the water cannot absorb into the soil with new roads everywhere.
  2. Your current homeowners insurance policy likely does not cover it. In fact, many homeowners insurance policies do not include flood insurance so do not assume you have it by having homeowners insurance. Check your policy to see what is covered by your insurance so you can know exactly what you need.
  3. Almost 20 percent of flooding occurs in areas that are considered moderate or low risk for flooding. This is just further proof that flooding can occur anywhere and not just in areas that are high risk. You need to protect yourself from flooding no matter where you live and flood insurance is the way to do that.

If you are interested in learning more about your options for flood insurance, please contact us at Kevin Dennis Insurance Agency, Inc. We will be happy to take a look at your needs and help you find the perfect policy for your home. 

4 Things To Know When Owning An ATV

Owning an ATV in Mishawaka can be a lot of fun. However, if you want to keep you and your ATV safe, there are a few things to know. Especially if this is your first time owning one of these vehicles, it’s a good idea to do a little research and take some safety precautions.

#1 – Choose a Good ATV

Especially when you are a first-time owner, choosing a good ATV is important. Don’t focus on a machine that is going to overpower you. Try an automatic transmission that features an engine between 200 and 400cc.

#2 – Invest in Protective Gear

If you are going to invest in an ATV, you also need to invest in protective gear. This includes a quality motorcycle helmet, over the ankle boots, goggles, gloves, as well as long pants. You may also want to consider elbow and shin pads for further protection.

#3 – File the Paperwork

There is going to be some paperwork for you to fill out. You want to register your ATV with the state of Indiana. After that, you should consider insurance so that you have peace of mind whenever your ATV is out on the trails.

#4 – Practice Riding

There are plenty of places where you can practice riding your ATV so that you don’t get into an accident. Choose an open field where you can drive on level ground before you attempt any of the mud flats, mountains, or any other rough terrain. Once you can master the simple trails, you can start to find some of the more challenging routes.

At Kevin Dennis Insurance Agency Inc, we want to make sure you have all that you need to be a responsible ATV owner. Call and talk to one of our insurance agents for more information today.