Skip to content

  • Acuity
  • Aegis
  • Aetna
  • AFR Insurance Services
  • AIC
  • AIG
  • Allianz
  • American Modern
  • Amerisafe
  • AmTrust
  • Amwins
  • AonEdge
  • ASI
  • AssuranceAmerica
  • Atlantic Casualty
  • Attune
  • Banner Life
  • Berkshire Hathaway Guard
  • Berkshire Hathaway Homestate Companies
  • BiBerk
  • Branch
  • Builders Mutual
  • Burns & Wilcox
  • Capital Blue
  • Chubb
  • Cincinnati
  • Citizens
  • Coterie
  • Cowbell
  • Crum & Foster
  • Donegal
  • Employers
  • Ethos
  • Farmers of Salem
  • Fastcomp
  • Gieco
  • Glacier Insurance Company
  • Guardian
  • Hagerty
  • Hanover
  • Harleysville
  • Heritage
  • Hippo
  • Hiscox
  • Honeycomb
  • Horizon
  • Jewelers Mutual
  • John Hancock
  • Kinsale
  • Lemonade
  • Liberty Mutual
  • Loadsure
  • Markel
  • Mass Mutual
  • Mercury
  • Millers Mutual
  • Mutual of Omaha
  • National General
  • National Indemnity
  • Nationwide
  • Neptune
  • Next
  • Northland
  • Ohio National
  • Openly
  • Orchid
  • Orion180
  • Pacific Life Insurance
  • Pacific Specialty
  • Palomar
  • Pathpoint
  • Peninsula
  • PennMutual
  • Philadelphia Insurance Companies
  • Pie Insurance
  • Plymouth Rock
  • Progressive
  • Protective
  • Prudential
  • Pure
  • Reinsurepro
  • RLI
  • Safeco Insurance
  • Selective
  • Slice
  • Solepro
  • Star Mutual RRG
  • State Auto
  • Steadily
  • TAPCO
  • Three
  • The General
  • The Hartford
  • The Philadelphia Contributionship
  • Travelers
  • Thimble
  • United Healthcare
  • Universal Property & Casualty
  • USLI
  • Vacant Express
  • Western World
  • Westfield
  • Wright

Are There Penalties For Businesses Without Commercial Insurance?

Posted on by admin

Businesses in Pennsylvania are required to carry certain types of insurance. However, even if it’s not legally required, you can still have consequences to deal with if you don’t have appropriate coverage and something happens. 

Workers’ Compensation

Companies with at least one employee are legally required to carry workers’ compensation. Businesses that don’t have coverage can face a daily fine of $2,500 or one year of imprisonment. It’s typically a misdemeanor. However, if they find out you did it intentionally, it you can be charged with a felony and face up to seven years in prison. 

You’ll also be responsible for any financial costs incurred by injured employees. That means you have to pay them lost wages or for their medical treatment because you don’t have workers’ compensation to foot the bill. 

Businesses without commercial insurance in Pennsylvania can be ordered to close up shop until they obtain proper coverage. Valor Insurance can help you get the coverage you need to stay open. 

Liability Insurance

Many businesses are also required to have liability coverage. Malpractice insurance is included for individuals in certain professions, such as those working in the medical field. PA law mandates liability coverage, and they can shut down your business if they find out you don’t have it. You can also become financially responsible for settlements against you. 

Auto Insurance

If you’re caught driving without proper coverage, you can wind up with a suspended license, fines, or your vehicle impounded. This includes not having a commercial policy if you’re required to have one, even if you have a standard policy. 

Agents here at Valor Insurance can help you learn more. We can make sure you have the coverage you need to meet Pennsylvania legal requirements. Contact us today. 

What New Homeowners Often Forget To Insure

Posted on by admin

Buying a new home is an exciting endeavor, and many homeowners like to prepare by painting walls, buying new furniture, or swapping out flooring. However, one aspect that is often overlooked is insurance. When setting up a new homeowners policy, you don’t want to forget the small details. Serving Pennsylvania with top-tier insurance solutions, Valor Insurance offers the coverage you need to keep your home and belongings safe.

Detached Structures

Garages, sheds, and fences are all common components of residential properties. However, they may not always be automatically covered at full value unless specified in your policy. If you use these spaces for storage, hobbies, or even a home office, ensure that they’re listed on your policy.

High-Value Personal Belongings

While most standard home insurance policies cover personal items, valuables such as art, jewelry, and collectibles may exceed standard limits. Consider additional coverage for valuables to ensure that they are fully protected in the event of theft, loss, or damage.

Liability Protection

Many homeowners underestimate how much liability coverage they’ll need when establishing a new home insurance policy. If a guest is injured on your property, this coverage will protect you from costly claims and legal expenses.

Additional Living Expenses Coverage

Few people think about where they’d temporarily stay if a storm of fire made their home uninhabitable. Additional living expenses coverage can help with the cost of hotel stays, meals, and other necessities while repairs are being made. This can give you peace of mind during these stressful times.

Protect What Matters Most

If you recently purchased a home in Pennsylvania, our team at Valor Insurance can review your policy to ensure nothing important is left unprotected. Call us at 800-419-0849 to discuss your coverage needs.

Does Life Insurance Always Cover The Funeral Costs?

Posted on by admin

Life insurance in Pennsylvania can help alleviate the financial burden associated with passing away. However, whether it will cover funeral costs depends on several factors. In many cases, it may cover all burial expenses.

Decisions Made by Beneficiaries

Life insurance benefits are not specifically required to pay for funeral expenses. Instead, the beneficiaries decide how to use the funds they receive. The money is either issued as a check or deposited into an account with immediate access. While many beneficiaries choose to cover funeral expenses, the decision ultimately rests with them.

The Role of Policy Amount

The amount of the life insurance policy plays a significant role in determining whether funeral costs can be covered. Many life insurance policies provide sufficient funds to cover funeral expenses. However, smaller policies may not be adequate. For instance, individuals who wait until they are terminally ill to purchase a policy often receive a lower death benefit compared to those who have maintained a policy for years. A life insurance provider like Valor Insurance can help beneficiaries understand the expected payout.

Understanding Funeral Costs

Most funerals cost significantly less than $20,000. Cremation is often a more affordable option compared to a traditional funeral with a casket. Whether life insurance covers all expenses depends on the type of funeral chosen. Funeral homes can work within a budget to help plan a meaningful service that aligns with the available funds, ensuring the death benefit can cover the costs.

At Valor Insurance, we recognize the importance of alleviating the financial burden of burial expenses for loved ones. Whether you’re planning a policy or are a beneficiary seeking guidance, we’re here to help. Contact us today to learn more. We proudly serve the Pennsylvania area.

The Difference Between Personal and Commercial Auto Insurance

Posted on by admin

In Pennsylvania, auto insurance comes in two primary forms: personal and commercial coverage. While they may seem similar at first glance—both protect drivers and vehicles on the road—their applications differ significantly, especially when it comes to filing a claim. Understanding these differences is crucial, and the professionals at Valor Insurance, serving Pennsylvania, are here to help.

Personal Auto Insurance for Everyday Use

Personal auto insurance is designed for individual drivers and their household needs. It covers activities like commuting to work, running errands, and weekend trips. Standard protections include liability coverage, collision for accident-related damage, and comprehensive coverage for losses such as fire, theft, or hail.

The key distinction lies in how the vehicle is used. If a driver with a personal policy uses their car for business purposes—such as making deliveries or transporting clients—the insurer may deny the claim. Personal policies are not intended to cover business-related activities.

Commercial Auto Insurance for Business Operations

Commercial auto insurance, on the other hand, is tailored to address business risks. Vehicles like company cars, delivery vans, or trucks used to haul equipment require coverage that goes beyond a personal policy. Commercial policies often include higher liability limits and extend coverage to employees driving on behalf of the business. Even a vehicle owned by an individual but primarily used for work may fall under the commercial category, making this distinction practical rather than technical.

Why Understanding the Difference Matters

The primary dividing line between personal and commercial auto insurance is purpose. Personal insurance is designed for private driving, while commercial coverage accounts for the added responsibilities and risks associated with business use. For Pennsylvania drivers and businesses, knowing which category applies ensures you have the proper protection when it matters most.

Contact Valor Insurance, serving Pennsylvania, to learn more about the differences between personal and commercial auto insurance. Our team is here to help you find the coverage that fits your needs.

Filing a Business Property Claim

Posted on by admin

If you’re a Pennsylvania business owner, one of your key responsibilities is purchasing commercial insurance. Many business owners wonder which types of business insurance are best suited for their companies. If your business is located in Pennsylvania, our team at Valor Insurance encourages you to contact us with any insurance-related concerns. We’ve been proudly serving Pennsylvania businesses like yours since 2016.

Filing a Business Property Claim

If a storm or another destructive event damages your business property, it’s natural to feel overwhelmed. According to the Pennsylvania Department of Insurance, it’s essential to know the proper steps to take when your property is damaged. First, contact your insurance company to report the damages, which will officially open a property claim. Be sure to write down the name of the person you speak with and note the claim number.

Your insurance company will ask questions about the cause and extent of the damage and provide instructions on the next steps to take. They will likely request photos of the damage and records showing the prices you paid for any damaged equipment. Additionally, your insurance company will probably send an inspector to assess the damage in person. It’s crucial not to begin any repairs to your business property until the insurance company has had the opportunity to inspect the damage.

Call Us Today for Your Appointment

Owning a business is an extension of your hopes and dreams. At Valor Insurance, we understand the importance of protecting your company’s assets. Pennsylvania businesses rely on us to provide expert guidance on their insurance options. Contact us today to schedule an appointment, and let’s work together to safeguard your business assets.

Does Home Insurance Cover Damage from Natural Disasters?

Posted on by admin

Your home is likely your most valuable asset, and protecting it should be a top priority. Purchasing home insurance is a great start, but it may not be the only coverage you need. Pennsylvania is prone to various natural disasters, including winter storms, tropical storms, flooding, tornadoes, landslides, and wildfires. Unfortunately, many of these perils aren’t covered by a standard home insurance policy.

Home Insurance: What Disasters Are and Aren’t Covered

Coverage varies depending on the policy you choose. Generally, home insurance covers damage caused by strong winds, tornadoes, fire, extreme cold, and explosions. However, disasters like floods, hurricanes, and landslides are typically excluded, meaning you’ll need separate policies for these risks if you live in areas where they are common.

If you store collectibles or valuable antiques at home, you may want to consider specific coverage for these items. While home insurance covers loss and damage to personal belongings, policies often have limits that may not fully cover high-value assets. Additionally, if you work from home, your home business assets and inventory won’t be covered unless you purchase a commercial insurance policy tailored to these needs.

Get Help from Valor Insurance Today

If you’re unsure whether your current policies provide the comprehensive coverage you need, contact Valor Insurance. We have the expertise to help Pennsylvania homeowners find insurance solutions that best meet their needs. Let us help you review your options, understand the pros and cons of different policies, and choose coverage that suits your unique situation.

Can Life Insurance Be Bundled in Pennsylvania?

Posted on by admin

While it’s not commonly accepted for individuals to bundle life insurance with other policies, such as homeowners’ and auto insurance, it may be possible for residents of Pennsylvania. If you’re interested in multi-policy discounts from major insurers, you may have the option to bundle your life insurance with other policies you hold. At Valor Insurance, we’ll work with you to review and assess options that provide the protection and coverage you need.

Types of Bundling Solutions Including Life Insurance in Pennsylvania

In Pennsylvania, you may be able to bundle your life insurance policy with:

  • Auto/Home Insurance: Many major insurers offer multi-line discounts when combining life and property or casualty insurance. While you won’t have one combined policy, you can often take advantage of a 5%-15% discount with this approach.
  • Disability: It may be possible to bundle or add riders to plans that include disability income, long-term care, or accelerated death benefits. These riders enhance life insurance protection and can often be more affordable than investing in separate policies.
  • Life Insurance through Employers or Group Plans: Residents of Pennsylvania may have access to group life insurance, which is often bundled with additional policies. These policies may include disability, vision, and dental coverage, which are often provided directly by associations or employers.

Whenever you’re considering investing in a life insurance policy and want to bundle potential policies you already own, working with a trusted agent is key. If you’re located in Pennsylvania, it’s crucial to find an agency that understands the bundling process to determine if your plan will work. To learn more about combining life insurance with existing policies you hold, contact Valor Insurance for your initial consultation today.

Car Insurance and Environmental Impact: Are Electric Vehicles Covered Differently?

Posted on by admin

Electric vehicles are more popular than ever for several reasons. They’re well-constructed these days, and they stand out on the road for their sleek appearance. They also symbolize a commitment to the environment. Owners typically appreciate the fact that electric vehicles, or EVs as they are commonly called, run on electricity rather than gasoline. But when it comes to insurance, are electric vehicles (EVs) covered differently? Here’s what your insurance representative at Valor Insurance serving Pennsylvania wants you to know.

Higher Repair and Replacement Costs

The main difference in insuring electric vehicles lies in the cost of repairs. EVs often have more expensive parts, especially the battery. If the battery is damaged, the cost to repair or replace it can significantly impact the overall repair price.

Specialized Coverage Options

Some insurance companies offer tailored coverage for electric vehicles to address the high costs of EV-specific repairs. This can include coverage for the battery or specialized components that aren’t as common in gas-powered cars.

Discounts for EV Owners

Many insurers are offering discounts for electric vehicle owners as part of their efforts to support environmentally friendly practices. These discounts may make electric vehicle (EV) ownership more attractive from an insurance perspective.

Liability Coverage

Your insurance company has you covered, whether you own an EV or not. Liability coverage for electric vehicles typically doesn’t differ from that of traditional cars. This type of coverage protects against damage to other vehicles and property and remains the same, regardless of whether your car is electric or gas-powered, so no worries there!

While EVs may currently have higher repair costs due to their relatively new presence on the market, insurers often offer specialized options or discounts. Comparing policies will help ensure you’re getting the best coverage for your electric vehicle. Talk to your insurance representative at Valor Insurance serving Pennsylvania to learn more!

Are You Responsible as a Business Owner If a Vendor or Contractor Makes a Mistake?

Posted on by admin

Running a business comes with a long list of responsibilities, and sometimes, things go wrong—even when those mistakes aren’t directly your fault. If a vendor or contractor makes an error while working with your business, you might assume they’re the ones solely responsible. But is that really the case? At Valor Insurance, providing commercial insurance throughout Pennsylvania, we help business owners understand their risks and protect themselves from unexpected liabilities.

When Might You Be Held Liable?

Vendors and contractors often operate as independent entities, meaning they are responsible for their mistakes. However, liability isn’t always so clear-cut. If the error leads to damage, financial loss, or even legal trouble, your business could still be at risk under certain circumstances.

For example, if a contractor working on your property causes an injury due to negligence, the injured party may try to hold your business accountable. Similarly, your company’s reputation and finances could take a hit if a vendor’s mistake leads to a product recall or customer lawsuit.

How to Protect Your Business

The best way to shield your business from potential fallout is by having the right insurance coverage. General liability insurance and professional liability insurance can help cover legal costs and damages. Additionally, requiring vendors and contractors to carry their own insurance and signing clear contracts outlining responsibilities can provide an extra layer of protection.

Secure the Right Coverage Today

Mistakes happen, but they don’t have to put your business at risk. Valor Insurance, serving the entire state of Pennsylvania, can help you find the right commercial insurance to keep your company safe. Contact us today to discuss your options and gain peace of mind.

Does Home Insurance Cover Accidental Damage?

Posted on by admin

Homeownership comes with the reality that sometimes damage to your home may unintentionally be your fault. While home insurance is designed to protect your property from external factors, what happens if you’re the cause of the damage? Will home insurance cover accidental damage to your home? Here’s what you need to know about whether home insurance will cover you when the damage is your fault. Ensure you’re getting the right home insurance coverage for your needs that covers all potential damage with our support here at Valor Insurance in Pennsylvania.

Does Home Insurance Cover Accidental Damage by Homeowners?

The answer to this question can depend on your specific policy. In some cases, home insurance may cover accidental damage by the homeowner, but it might not be part of a standard policy. You may need to purchase this coverage as an add-on, which can be a valuable addition to your standard policy. If you do get accidental damage coverage, it generally covers incidents like home fires started accidentally in the kitchen or outdoors, damage to windows caused by a child hitting a ball into the house, or a broken floor caused by something heavy toppling onto it. It’s important to note that this type of coverage only applies to one-time events and won’t cover damage that occurs frequently. Accidental damage coverage also won’t cover damage that occurs over time due to lack of proper maintenance.

Find Home Insurance With Accidental Damage Protection With Valor Insurance

At Valor Insurance, we’re dedicated to helping Pennsylvania residents find reliable insurance that meets their specific needs. Compare quotes with us, or buy a policy now!