Do I need a commercial insurance plan in Indiana?

For those that dream of opening a small business, Mishawaka IN can be a great place to go to. Those that are in this area of Indiana will have a lot of opportunities to be successful but will still have to manage through standard business risks. One way that a business owner here can mitigate some of these risks is by getting proper insurance. There are a few reasons your company will need commercial insurance coverage. 

Commercial Insurance is Required

A reason that you may need to get commercial insurance for your business is that it could be a requirement for you. There are many situations when maintaining commercial insurance coverage will be an absolute requirement for a business. If you have taken out a business loan, lease a place of business, or have raised equity you will likely have commercial insurance requirements that you need to stay in compliance with.

Insurance Will Protect Company 

Even if you are not legally obligated to carry commercial insurance, it would still be a good idea for you to get and maintain it. If you have full commercial insurance it will give you coverage to protect your business assets and can mitigate liability risk. Both of these forms of protection are valuable and could keep your business solvent during some difficult situations. 

For a business owner that is in Mishawaka, IN, having proper commercial insurance continues to be very important. When you are looking for a new plan, it is easy to be confused by all of the options. The team with Kevin Dennis Insurance Agency can help you to assess all of your needs and options. Kevin Dennis Insurance Agency can then help you build an insurance plan that will properly protect your business against a variety of risks. 

Why should I invest in motorcycle insurance?

When you are in Mishawaka, IN, and are looking for a new type of vehicle, a good option to consider getting is a motorcycle. When you do purchase a motorcycle, it will offer you a fun mode of transportation that is also very energy efficient. As you are looking for one, you also need to think about your insurance needs. There are several reasons to invest in a new insurance policy. 

Insurance is a Requirement

One of the primary reasons that you will need to get motorcycle insurance is that it is often a requirement for all drivers and owners. If you have taken out a loan to purchase your motorcycle, the lender will require that you maintain a full policy until your loan is paid off. To drive your car anywhere in the state, you will be required to at least have a minimum level of liability motorcycle insurance. 

Insurance Protects Asset

You will also want to get motorcycle insurance because it will be able to protect your valuable asset. A motorcycle is a prized possession that also requires you to make a big investment to purchase it. When you are looking to protect your asset, getting a full motorcycle insurance policy is a good idea. The full insurance policies will give you insurance protection that can offset the risks that you will have to pay for damages following an accident or to replace your asset if it is stolen. 

Anyone that is in Mishawaka, IN, and is looking for insurance could benefit by calling the Kevin Dennis Insurance Agency. The insurance team with the Kevin Dennis Insurance Agency understands how important it is that you choose the right policy to meet your needs. They can help you assess your needs and pick the right policy. 

Three features of motorcycle insurance you should be aware of

If you want peace of mind and financial security while you’re biking, it’s important for you to have the right motorcycle insurance policy.

We provide motorcycle insurance to Mishawaka, IN bikers at Kevin Dennis Insurance Agency. We can help you navigate the complexities of this important financial product.

The following are three features of motorcycle insurance you should be aware of.

First accident waiver

Some motorcycle insurance policies offer a first accident waiver. With this type of policy feature, getting in one accident won’t cause your premium to go up at all. This helps to keep your premium constant and removes some of the uncertainty of motorcycle insurance premiums.

You might need to meet certain driving record requirements to qualify for a first accident waiver on your motorcycle insurance policy. 

Motorcycle replacement coverage

Bike replacement coverage is a good feature to have on your motorcycle insurance policy. With this feature, you can be sure that you will get enough back from your insurance company in the event of a total loss to replace your bike. 

Accessory coverage

A lot of bikers add accessories to their bike that provide enhancements. It’s important to be aware of the insurance ramifications of adding accessories.

You may need to update your coverage after you have accessories added so that you can be sure that you’re covered for new features you’ve put on your bike. This is especially true if you’ve invested in a particularly valuable motorcycle enhancement like the addition of a custom exhaust to boost horsepower. 

You can learn more about motorcycle insurance features by contacting us at Kevin Dennis Insurance Agency. Get in touch with us today to explore motorcycle insurance policy options in Mishawaka, IN. 

Do You Need Commercial Insurance for Your Indiana Business?

You have invested your time, hard work, and money into your business and to protect your business, you should consider obtaining commercial insurance. In the state of Indiana, all businesses must carry two types of commercial insurance:

Workers’ Compensation Insurance

State law in Indiana requires that all businesses that have any employees, full-time or part-time, must carry a workers’ compensation insurance policy. This type of insurance will help pay the medical bills and wages of your employees if they are hurt on the job or become ill due to a reason associated with their job and cannot work for a period of time.

Commercial Auto Insurance

All vehicles used for business purposes associated with your business must be covered under the state laws in Indiana which require all drivers to at least have liability insurance. This type of coverage pays a certain amount per person who is injured in an auto accident deemed to be the fault of you or one of your employees and any property that is damaged as a result of the accident.

General Liability Insurance

This type of insurance will provide coverage for injuries sustained by a customer or visitor to your business or injuries caused by your business. For example, if you own a construction business and a ladder falls on top of a person walking by on the sidewalk near a job site, this policy will help cover their medical bills and lost wages due to their injuries sustained in the incident. It will also cover any property damage that occurs due to an incident caused by your business.

Professional Liability Insurance

This type of coverage will help pay your legal fees if someone files a lawsuit against you due to a faulty product or some other reason.

Cyber Liability Insurance

If there is a breach of data or a cyberattack that causes your customers’ personal information to be hacked, this type of policy will cover fees and other costs associated with clearing up this situation, including the costs associated with informing all of your customers about the breach of security.

To create the best policy for you and your business, you will want to enlist the help of an experienced commercial insurance agent. The agents at the Kevin Dennis Insurance Agency in Mishawaka, IN are ready to serve all of your commercial business needs and to provide you with the peace of mind you deserve. Call for an appointment today!

Protect Your Motorcycle With These Insurance Add Ons

There are all kinds of insurance options for your motorcycle. It doesn’t matter what sort of bike you have; you will want to protect it adequately. With the varying insurance options available to you, it can be a bit tricky to know which one is right for your riding needs. Some may be of no use for you, while others may be essential. So which should you opt for? Our staff here at Kevin Dennis Insurance Agency is here to help you with this. So, if you live in or around Mishawaka, IN, and own a motorcycle (or are considering the purchase of one), let our staff aid you in finding insurance coverage options. 

Medical Payments / PIP

With Medical Payments, also known as MedPay, this insurance is designed to offer protection for your medical bills. These bills will aid with your health insurance, assisting you in covering varying injuries you might have. You may also want to consider Personal Injury Protection or PIP. This will help not only pay for medical expenses but also lost wages if you’re injured and can’t work. 

Roadside Assistance

Should your bike break down in the middle of a ride, or if the battery should fail on you, it is vital to seek assistance. Roadside assistance will provide you with this assistance and save you money in the process. 

Protect your Motorcycle With The Right Insurance Add Ons

These are just a handful of the motorcycle insurance add ons you can consider for your bike. With so many other options to choose from, you may not know what to go with. But don’t worry, our staff here at Kevin Dennis Insurance Agency is ready and waiting to help. So, if you live around the greater Mishawaka, IN area, and own a motorcycle, give our staff a call. We’ll answer all your questions, address all your concerns, and help you find the right motorcycle insurance protection for your needs. 

Do I need commercial insurance in Indiana?

Anyone that owns a business in the Mishawaka, IN area likely knows that many essential responsibilities come with business ownership. One important responsibility that you will have is the need to carry commercial insurance. There are several reasons why a business owner in this area will need to have this coverage. 

Required by Lender

One reason why you need to have commercial insurance for your Indiana business is that your lender can require it. Starting a business requires a lot of capital, and to obtain it, many owners decide to take out a small business loan. If you do decide to take out a loan to finance your business, you need to comply with your insurance requirements. Most business lenders will require you have a full commercial insurance policy as it can provide a variety of essential protections.

Required by Law

Another reason why you may need to have commercial insurance is that it can be required by law. Similar to other states, business owners of a certain size in terms of employee count are required to carry workers’ compensation insurance. This insurance will provide valuable protection to your employees and your business. To ensure you stay in compliance, you need to make sure it is included in your commercial insurance plan.

Ultimately, there are many reasons a business in the Mishawaka, IN area should have commercial insurance. When you are looking for your next policy, you should call the team at the Kevin Dennis Insurance Agency. If you do call the Kevin Dennis Insurance Agency, you are going to receive the support that you need to choose a new policy. This will help to ensure that your business is covered, and you comply with all requirements. 

Common Mistakes Made by New Motorcycle Riders

As a new motorcycle rider, it’s only natural that you make some mistakes as you grow accustomed to your bike and learn the ins and outs of city and highway riding. Motorcycle insurance from Kevin Dennis Insurance Agency in Mishawaka, IN will provide some protection against accidents on the road. By avoiding the following mistakes you can also reduce your risk of harm.  

Not Taking Motorcycle Training

Motorcycle training can help you learn valuable riding skills and techniques that will keep you safe on the road. You’ll have a chance to practice these skills in a safe, controlled environment. You can also learn riding tips from experienced instructors that can help you be a safer, more proficient rider.

Not Investing in Protective Gear

Not investing in protective gear to save money can be a tragic mistake for new riders. Motorcycle gear like a DOT helmet, leather jacket with elbow protectors, motorcycle gloves and a solid pair of boots that provide ankle support can protect you from major injuries in the event of an accident. As an inexperienced rider, you’re more prone to having an accident, so suiting up properly is a must.

Getting a Bike that’s More Powerful than You Can Handle

As a new rider, you need a bike that maneuvers easily and is easy for you to control for city and highway riding. As you become more experienced, you can always upgrade your bike to a more powerful model. If you make the mistake of buying a bike that’s beyond your capability of controlling due to your limited riding experience, you’re more susceptible to causing an accident.  

By making wise riding decisions, you can enjoy your motorcycle to the full with a reduced risk of accidents. When you’re ready to purchase motorcycle insurance, contact Kevin Dennis Insurance Agency in Mishawaka, IN for the protection you need.

Tips for Buying Commercial Insurance in Indiana

Owning a business comes with many perks: you’re your own boss, you work your own hours, and you can take a vacation whenever you want. Freedom comes to mind when thinking about business owners and entrepreneurs. To protect your business and your freedom, it’s crucial to maintain a commercial insurance policy. To help you get started with this process, Kevin Dennis Insurance Agency in Mishawaka, IN put together these three simple tips.

1. Work with a Reputable Insurance Agent

Before diving into the world of commercial insurance, it’s best to contact a reputable insurance agent. This individual will help you choose the right policy for your business needs and find you savings. Our reliable agents work with customers through the entire process by answering questions, comparing quotes, and pointing out the small details.

2. Compare Several Insurance Quotes

Because each commercial insurance quote is different, it’s important to compare each one carefully. An agent will help you with this so that you understand each policy and what it offers.

3. Bundle Your Insurance Policies

A great way to save money on a new commercial insurance policy is to bundle it with your other policies under one insurance carrier. Your auto, life, home, recreational, and other insurance policies can all be grouped together, saving you money on your premiums. Be sure to go over this with your insurance agent.

To learn more about purchasing a commercial insurance policy in the South Bend and Mishawaka, IN areas, contact the Kevin Dennis Insurance Agency. Our friendly, reputable agents are ready to accept your call and help you get started on your way to protecting your business or company.

 

 

How Does Motorcycle Insurance Work?

Kevin Dennis Insurance in Mishawaka, IN knows that your motorcycle is an investment and an essential part of your life. For that reason, we want to be sure that you understand your motorcycle insurance coverage options and get the best coverage for your needs and personal lifestyle. 

Motorcycle insurance is similar to auto insurance. It provides you with coverage and financial protection in case of an accident, theft, damage, and loss. Like auto insurance, you can customize your policy from liability insurance up to full coverage. Here are some things that motorcycle insurance can cover:

  • Medical payments in case you need medical care or hospitalization
  • Uninsured and underinsured motorists for accidents involving another party that is not insured or is not insured enough to cover all costs associated with the accident when they are at fault
  • The replacement cost of your bike if it is totaled
  • Comprehensive coverage that takes care of damages sustained outside of an accident, such as weather damage, theft, vandalism, and more

While it is important- and required- that you carry liability insurance when you are on the road, additional coverage is up to you. The particular location you live and your personal lifestyle may make you want specific additional coverage while not being concerned with others. 

This is why it is crucial to work with an insurance agent who is willing to sit down with you and understand your questions and personal concerns. Here at Kevin Dennis Insurance Agency in Mishawaka, IN, we are dedicated to helping you obtain the coverage you want and need. Stop by or give us a call today to customize your motorcycle insurance policy!

 

How Does Motorcycle Insurance Work

When you buy a new car, truck, SUV, or motorcycle in Mishawaka, IN, it is crucial that you protect your new asset with the right insurance coverage. The majority of people own a car or truck, but not near as many own a motorcycle, which may explain why there is often some confusion surrounding motorcycle insurance. However, just the same as a regular vehicle needs insurance, your motorcycle needs coverage, as well. Here at Kevin Dennis Insurance Agency, we take pride in being a company that sells quality motorcycle insurance, and we’d like to explain how this type of coverage works.

Is Motorcycle Insurance Similar to Car Insurance?

Insurance on a motorcycle is quite similar to putting insurance on a car, truck, or SUV. However, it’s pertinent to understand that an auto policy will not cover a motorcycle. You will need an actual motorcycle policy.

Insurance companies understand that you are much more likely to have one or more passengers in a regular vehicle versus riding on a motorcycle, and this is why motorcycle insurance requires different types of coverage. Plus, motorcycles aren’t usually driven as much as regular vehicles, which is another factor that will be taken into account when the insurance company determines your premium. You should note, however, that injury from a motorcycle accident is likely to be much more severe than an injury through a car accident, which is why injury protection coverage on a motorcycle is sometimes higher than what you’ll pay for the same coverage on a car, truck, or SUV.

Want to learn more about motorcycle insurance and how to get a policy that meets all of your needs? Contact the Kevin Dennis Insurance Agency serving the Mishawaka, IN area today to speak with one of our qualified agents.