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What commercial insurance covers

Commercial insurance is a type of insurance that covers businesses from certain types of liability and financial loss. There are many different types of commercial insurance policies and types of businesses that can be insured. In general, commercial insurance is meant to protect a business and its employees from liability risks and financial losses that are not covered by standard personal lines policies. Valor Insurance in Easton, PA is here to assist with this vital coverage.

What commercial insurance covers

Commercial insurance covers many different risk areas, including those related to damage to property, employee injuries or workplace safety, product liability and product recall claims, natural disasters such as fires or earthquakes, environmental risks like pollution or toxic spills, legal liabilities for professional services such as malpractice or errors made by an accountant or lawyer, cyberattacks on computer networks with sensitive data stored in the cloud, government prosecution for noncompliance with employment laws like minimum wage requirements, and even lawsuits from customers who purchase products from your business but are dissatisfied with their experience.

In order to protect your business from these types of risks and losses, you will need to purchase different types of commercial insurance policies. The first type of policy you should consider purchasing is a general liability or commercial liability coverage. This covers several different areas of potential liability, including product-related claims for damage done during shipping or any injuries caused by the product once it has been sold and used by a customer.

Another part of this policy may cover lawsuits filed against your business if a customer purchases products or services from your business but later becomes unhappy with their experience or complains about poor workmanship on materials provided by your company.

Give Us A Call

For more information on commercial insurance, call Valor Insurance today. We proudly serve the Easton, PA area. 

Three things not to do when you are on the market for home insurance

It’s important to carefully consider your options and avoid costly mistakes when you purchase home insurance in Easton, PA. At Valor Insurance, we’re here to help you explore your options and choose the best home insurance policy for your situation.

The following are three things not to do when you are on the market for home insurance:

Purchasing the first home insurance policy you come across

It’s imperative that you explore the available options if you want to get the best policy available to you. Compare policy options and quotes between several providers in your area. 

Shopping around allows you to choose a home insurance policy that fits your budget while also offering you coverage that you can depend on if you eventually have to file a claim. 

Assuming that your home insurance policy will cover you for flood damage

First-time homebuyers who are purchasing a property for first time might not realize that standard home insurance doesn’t include flood damage coverage. Flood insurance has to be purchased separately if you want to be covered for flood damage to your home. 

Failing to purchase adequate coverage for your home

If you purchase inadequate coverage, your finances could be at risk.

The value of your property is an important factor when determining how much dwelling and personal property coverage to carry. Your net worth is an important consideration when you’re deciding how much liability coverage to purchase. Make sure you carefully consider these factors when deciding how much coverage to buy. 

Contact Us Today

If you have questions about home insurance in the greater Easton, PA community, we’re here to answer them at Valor Insurance. We’ll be happy to provide you with the information you’re looking for about our policy options. Get in touch with us when you’re ready for a quote on a home insurance policy. 

How Whole Life Insurance Protects Your Family

If you are looking for whole life insurance in the greater Easton, PA community, Valor Insurance is ready to provide answers to all your questions.

What is Whole Life Insurance?

Whole Life insurance is both a permanent life insurance policy and an investment account. Like a guaranteed universal life insurance policy, this will provide an inheritance or help your beneficiaries cover costs after your death.

How Does Whole Life Add to Your Investments?

In a whole life insurance policy, a portion of your premiums goes towards the cash value of the policy. Over time, that cash value grows and can payout dividends. Dividends can apply towards:

  • Paying off premiums.
  • Acquiring paid-up insurance additions. These add to the cash value and eventual death benefit of your policy.
  • Pocketing bonus money.

The cash value of your whole life insurance is tax-deferred, like other retirement accounts. Your contributions to it, however, are not tax deductible.

How Can You Access Investment Gains on a Whole Life Policy?

Cash value is not part of the death benefit enjoyed by your beneficiaries. Rather, you can use it in a few ways.

A policy loan, cash dividends, withdrawal, policy surrender, and selling your policy all give you access to the cash value. Each of these methods comes with different risks and benefits. The bottom line is that this type of insurance enhances your family’s investments and adds to the pool of accessible cash in the event of an emergency.

Who Should Consider Whole Life Insurance

Not everyone is well-suited to whole life insurance. It’s not a good option for those who are older or those who have a weak investment portfolio. Whole Life insurance is a long-term investment option that begins to pay out after 15-20 years. The best candidate is younger, earning good pay, with a diverse investment portfolio, and wants to pass on a strong inheritance.

Contact Us Today

If you are looking for coverage in the greater Easton, PA community, call Valor Insurance today and our knowledgeable staff will guide you through everything you need to make the right choices for your family.

Documents you should always carry in your vehicle

You should never take your right to drive for granted. But it is dependent on your following all the regulations in the state where you live. If you don’t, that privilege can be taken away from you.  At Valor Insurance in Easton, PA, we make sure that all of our customers understand what the rules are in Pennsylvania and what documents they need to carry at all times. 

Documents you should always carry in your vehicle

Your vehicle registration

When you register your vehicle in Pennsylvania, you will be given a copy of your vehicle registration and the date it is effective. You will be asked to produce this if you are ever stopped by law enforcement. Not having your vehicle registered can cause you a fine. Keep it safe in your vehicle. 

Your insurance card

When your auto insurance renews, your insurance either sends you a paper copy of your policy and your insurance cards, or they send you a digital copy. If you get the digital copy, you will need to print out your insurance card. This piece of paper states the make of your carrier and the dates that your auto insurance is effective. If you are stopped by law enforcement for any reason, they will ask to see your insurance card, so it is vital that you keep it safe in your glove box. 

Your driver’s license

Since you can use your driver’s license as an ID, many people carry it in their wallets. Make sure that anytime you are in your vehicle you have your wallet with you. 

Safety and emission stickers

When you get your vehicle safety and emission tests done, you will get a sticker that is placed on your windshield. It is required, make sure you have it. 

Get Auto Insurance Today

Contact Valor Insurance in Easton, PA to discuss what your auto insurance needs are. 

What Are The Benefits Of Commercial Insurance?

Commercial insurance is a vital part of any business. It can protect your company from financial losses in the event of an accident or disaster. There are many types of commercial insurance, each offering different benefits. In this article, we’ll discuss the most important benefits of commercial insurance.

Commercial Insurance Helps You Meet Your Regulatory Requirements

In some industries, having commercial insurance is a regulatory requirement. For example, companies that transport goods or provide certain services may be required to have insurance to operate. Not having the required insurance could result in hefty fines or even the loss of your business license.

It Can Give You Peace of Mind

Running a business can be stressful, and there are always potential risks lurking around every corner. Having commercial insurance can help give you peace of mind knowing that your business is protected in the event of an accident or disaster.

No one likes to think about what could go wrong, but it’s always better to be prepared. Commercial insurance can help you sleep better at night, knowing your business is protected.

Commercial Insurance Can Help You Attract and Retain Customers

In today’s litigious society, many customers will only do business with companies with adequate insurance coverage. They want to know that in the event of an accident or disaster, they won’t be left high and dry.

Having commercial insurance from Valor Insurance in Easton, PA can help you attract and retain customers. It’s another way to show them that you’re a responsible business that takes its obligations seriously.

Contact Us Today

So, there you have it! Those are just a few of the benefits that come along with getting commercial insurance for your business. Valor Insurance in Easton, PA can help get you the coverage you need to protect your business from any number of potential risks. Give us a call today to learn more about what we can do for you.

I Have A Mortgage, Does My Lender Require Me To Have Home Insurance?

Most mortgage lenders require borrowers to have homeowners insurance to protect their investments. Although the type and amount of coverage required vary from lender to lender, all mortgages come with some level of home insurance requirement. Valor Insurance in Easton, PA  can provide expert insurance advice on this important coverage.

Here we discuss whether your mortgage lender requires home insurance.

Does Your Mortgage Lender Require Home Insurance?

The main reason mortgage lenders require home insurance is to protect their investment. If something were to happen to your home, such as a fire or severe weather damage, the lender would want to be sure that their investment is protected.

Home insurance gives you peace of mind knowing that you and your lender are protected in the event of a disaster. With Valor Insurance, located in Easton PA, you can be sure that you’re getting the best possible coverage for your home.

How Much Home Insurance Coverage Does Your Mortgage Lender Require?

Your mortgage lender wants to ensure their investment is protected in case of any disasters. That’s why they require you to have home insurance. The thing is, the amount of coverage they require can vary.

Generally, your lender will require you to have enough coverage to rebuild your home if it were completely destroyed. They may also require you to have a certain amount of liability coverage in case someone is injured on your property.

The best way to determine how much coverage your lender requires is to speak with them directly. They’ll be able to give you the specific details of what they need.

Once you know how much coverage your lender requires, you can start shopping for a policy that meets those needs. Be sure to compare rates and coverages from different companies before making a decision.

Contact Us Today

As you can see, most mortgage lenders require borrowers to have homeowners insurance. This is to protect their investment in case of any disasters that may occur.

The amount of coverage required can vary from lender to lender. It’s important to speak with your lender directly to find out how much coverage they require. Once you know the amount of coverage you need, get in touch with Valor Insurance in Easton, PA to get started on your home insurance policy.

Types of Life Insurance

There are two primary types of life insurance, and it’s important to understand each of them when it’s time to choose your life insurance policy. Both term life and whole life insurance policies have their own benefits and drawbacks. When you know how each of them works, it will be easier to make the choice that is right for you. When you’re ready to find out more about life insurance, give us a call at Valor Insurance in Easton, PA to find out more. 

Types of Life Insurance

Whole Life Insurance

Whole life insurance is a popular type of life insurance for several reasons. It is a type of insurance that you can keep for your whole life, hence the name. Your life insurance policy will stay in effect for as long as you keep paying for it, no matter how old you get. This is a good way to ensure that you will always have life insurance. This type of policy costs more, but it has a surprising advantage. When you pay your insurance premiums, they are invested by the insurance company, and a small portion of those profits become a cash value for your policy. This is money that you can borrow against if you have a financial emergency and need quick access to money. 

Term Life Insurance

A term life insurance is also what it sounds like- it’s only good for the term of the contract, which may be 20 years or more. When you have this insurance, it costs less than whole life, but it does expire at the end of the term. When that happens, you have to apply for a new policy. 

Get Life Insurance

If you don’t have a life insurance policy, it’s not smart to wait. You need to have this policy in place right away. Call us at Valor Insurance in Easton, PA.   

Why should I get an auto insurance for my car in Pennsylvania?

Owning a vehicle in the Easton, PA area is a good option as it continues to make it easier for you to get around the community. Once you are ready to start shopping for a car, you also need to spend time assessing your insurance needs. There are various reasons why someone in this state will need to get an auto insurance plan for their vehicle. 

Why Get Auto Insurance?

Meet Legal Standards

One of the reasons someone should get auto insurance for their car in Pennsylvania is that it can help ensure they meet legal standards. All drivers need to be aware that they are obligated by law to carry at least a liability insurance policy when they drive in this state. If you are not protected with this level of coverage, you can face various forms of penalization. 

Protect Investment and Asset

It would also be a good idea to get auto insurance to protect your asset and investment. There is always a chance that you could be involved in an accident or that your car could be stolen. If this occurs, you could face a significant loss. However, if you do have the right insurance at all times, it will provide the support needed to replace or repair your car.

Contact Us Today

If you intend to drive a car in the Easton, PA area, you will need to have auto insurance. As picking the right plan is a very important decision, you will want to ensure that you are informed of all of your needs and options before selecting a final policy. The team with Valor Insurance can help with this process. The professionals with Valor Insurance can answer your questions and give any needed guidance to select your next insurance plan. 

Do all Easton businesses need to get commercial insurance?

Business owners who operate in the Easton, PA area will continue to find that the area offers a great chance to succeed. The area supports local businesses and has a strong and consistent population base. As you are looking to start a company, it would be wise to get the right insurance.

Valor Insurance recommends a commercial insurance plan.

Comply with Insurance Obligations

An important reason to get a commercial insurance plan is to comply with any obligations you have when it comes to coverage. Businesses all over the area will likely have some form of obligation for coverage. If you have a business loan, lease a building, have investors, or enter into certain vendor agreements, you will almost certainly be required to carry a full commercial insurance plan. 

Protect Viability of Business

You should also obtain a commercial insurance plan to protect the viability of your business. If you intend to start a business, you will want to know that you are protected against the unexpected. A great way this is done is by getting a commercial insurance plan. You can cover all core business assets and reduce your liability risk with the right coverage. This will ensure you have support if you incur a loss or are named in a liability claim.

Businesses that are in the Easton, PA area will want to know that they are always properly protected with insurance. Once you are ready to start looking for a plan, working with Valor Insurance can be a good idea. Our team understands the value of commercial insurance and will offer the ongoing support that you need to build a proper policy. 

Things that aren’t covered by home insurance

Your home is the center of your life and family. Making sure it is covered for any hazard gives you peace of mind. Home insurance offers a lot of protection from some of the most common threats, including fire, theft, and storms. But, home insurance has exclusions, things it doesn’t cover. If you want to have true peace of mind, you need to know what these hazards are and decide if additional coverage is required. In Easton, PA, you can count on Valor Insurance to create a long-term relationship built on trust. 

Lack of maintenance

As the homeowner, you have the responsibility to maintain your home. If you get infested with terminates, your home insurance won’t pay for the necessary repairs. As a homeowner, it is your responsibility to get your home treated for termites if you live in an area where the risk is present. If a branch from a tree falls on your home due to the tree being in poor health, it is your fault, and the insurance won’t reimburse you. In other words, take care of your property. 

Floods

Floods can happen almost anywhere, and the sad truth is home insurance doesn’t cover flood damage. While this is not good news, there is good news. Flood insurance is available from the NFIP (National Flood Insurance Program), and if the risk of flooding is present, you can add this policy to your portfolio. 

Expensive jewelry

Standard home insurance policies have minimal coverage for loss or theft of jewelry. You likely don’t have adequate coverage if you have a nice engagement ring. You can add a jewelry rider to your policy to ensure you have enough coverage to feel protected. 

Contact Valor Insurance in Easton, PA, for any insurance needs you have.