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Erie, CO 80516

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Featured Insurance Blog

Is Toy Insurance Required in Ohio?

If you live in Cincinnati, OH, you must have in mind fun places to explore. And to do that, instead of hiking or biking, you want to go a notch higher and buy an ATV or a side-by-side vehicle like a Talon to help you navigate the narrow trails and tricky off-road paths. 

While it’s exciting to harness the potential that Mother Nature has given to us, it’s vital to protect your prized toy with toy insurance from Advantage Insurance Network. Without toy insurance, you will be in for a rude shock if you are involved in an accident. But before getting far, let’s understand toy insurance a little more.

Is toy insurance mandatory?

If you use your toy on open roads, Ohio requires you to carry toy insurance with specified minimum liability coverage. Besides, if your toy is loan-financed, your lender may require you to purchase toy insurance until you pay off the loan facility.

However, whether toy insurance is mandatory or not, you need this insurance to protect you and your investment.

What toy insurance options do I have?

If you obtain a recreational toy, below are the insurance options to consider:

  • Liability coverage: If you cause an accident and cause bodily injury or damages to other people’s property, toy insurance covers damages and medical expenses. Additionally, toy insurance pays for legal costs in case the aggravated parties sue you.
  • Collision coverage: Protects your toy when involved in an accident.
  • Comprehensive coverage: Protects your toy against non-collision perils like theft, fire, vandalism, hail, windstorms, and other dangers. 
  • Uninsured/underinsured motorist: If you are involved in a hit-and-run incident or crash with a motorist with little or no insurance, this coverage covers unpaid damages and medical costs.

Do you want to purchase toy insurance? Please contact Advantage Insurance Network of Cincinnati, OH, for a customized plan.

Why Workers Comp Insurance Is An Asset For Cincinnati, OH Businesses

While Ohio State requires businesses to carry workers’ comp insurance, that isn’t the only reason Cincinnati, OH businesses should carry commercial insurance. Unfortunately, many business owners view workers’ comp insurance as just another expense. This trend is regrettable because workers comp insurance is an asset in the following ways.

Protects your employees

You will agree that employees are the most valuable assets in your organization. In light of this, they deserve utmost protection with workers’ comp insurance. Otherwise, your business will suffer productivity loss and massive financial losses for covering injured employees’ medical costs.

Besides, workers’ comp insurance covers your employees in the following ways: It pays for:

  • Final expenses
  • Partial loss of income
  • Compensation for permanent injuries

Workers’ compensation insurance assures your workers that they are safe regardless of what happens. This assurance gives them peace of mind and a sense of safety, improving their productivity and commitment. As a result, your business reaps benefits in the bottom line.

Protects your business

When you purchase workers’ comp insurance from Advantage Insurance Network, it saves your business substantial financial costs. Your business saves on medical and legal costs that emanate from work-related injuries. With workers’ comp insurance, the organization doesn’t have to bear the financial burden of mishaps likely to befall your employees.

Workers’ compensation insurance in Cincinnati, OH

Accidents and injuries are bound to happen in the place of work, despite your best safety efforts. If any of your workers sustain work-related injuries, you could be facing massive medical costs and legal claims. Would you want that for your business?

As a responsible Cincinnati, OH business owner, you need to purchase commercial insurance from Advantage Insurance Network. This way, you will not only comply with the law but protect your most valuable assets — the employees. Contact us today for a quote.

When is it advantageous to have umbrella insurance?

Liability risk is something that all people in the Erie, CO area should take seriously. Proper liability coverage can offset a wide range of risks and provide you with peace of mind. You can ensure that you are offsetting your liability risk by getting an umbrella insurance plan. There are several situations in which having this type of coverage will be advantageous for those that are in the state of Colorado. 

When Involved in Major Accident

When you are glad that you have an umbrella insurance plan, you are involved in a major accident. Most people will have liability protection through their auto or home insurance plans. While this coverage can protect against the vast majority of liability claims, there is a chance that damages could exceed your limits. An umbrella insurance plan is helpful in these situations as it will provide coverage for claims over your other policies. 

When Claims for Uncovered Situations

There is also a chance that you could be named in a liability claim for situations that are not typically covered by home or auto insurance plans. If this is the case for you, having an umbrella insurance plan will be helpful as it will ensure you have some liability insurance coverage to mitigate this risk.

There are many advantages of having an umbrella insurance plan in the Erie, CO area. If you would like to get this type of insurance coverage, it would be helpful to call Advantage Service Insurance. The team with Advantage Service Insurance knows how valuable this insurance coverage can be. They can offer the support needed better to understand the benefits of umbrella coverage and guidelines to follow when choosing a new policy. 

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