Does my auto insurance cover business travel?

Insuran LLC offers a range of auto insurance products to Central Ohio residents, and we want to help you choose the best one for your needs. The right insurance policy can provide coverage for your typical driving situation.

Personal Auto Insurance

An auto insurance policy provides coverage for pleasure driving. If an individual occasionally uses their vehicle for business – for instance, driving to an out-of-town conference, their policy typically covers this. A personal auto insurance policy will cover an individual as long as their everyday driving consists of commuting to and from work, running errands, and driving for personal reasons.

When You Need Commercial Auto Insurance

Those who use their vehicle daily for business purposes, outside of their regular commute, should consider purchasing commercial auto insurance. Personal auto policies typically do not cover commercial activities such as cake deliveries or dry cleaning pickup. Using a vehicle for business purposes under a personal auto insurance policy can be risky – if an accident occurs, you may find that your insurance does not provide coverage.

How Your Insurance Agent Can Help

Our Insuran LLC insurance agents are here to help you decide which auto insurance coverage is right for you. If your driving needs have changed, we invite you to request an insurance review. Our agents will guide you through a series of questions to determine which options provide the best protection for you. We then provide a quote for coverage. Please note that your current insurance will remain in effect throughout this process, ensuring continuous coverage for the personal use of your vehicle.

Depending on your needs, you may require both personal and commercial auto insurance policies to be fully covered while driving in Central Ohio and beyond. We will do our best to help you maintain a policy with an affordable premium while ensuring you’re fully covered. Contact us today for more information.

When to Shop for Commercial Insurance If You’re Starting a Business

Starting a new business in Central Ohio comes with its set of challenges and responsibilities, one of which is ensuring that you have the right commercial insurance in place. We at Insuran LLC have worked with many entrepreneurs in the region and can help you get the insurance your business needs. Here are some of the most important times to shop for commercial insurance if you’re starting a new business.

Before Launching Your Business

The best time to start shopping for commercial insurance is before you officially open your doors. Early planning helps you understand the potential risks associated with your business and ensures you’re well-insured against those risks from day one.

Additionally, talking with one of our agents early on can ensure you don’t need to worry about getting insurance right before your business opens. We know you’ll have plenty of other matters to attend to before that first day.

When Signing Leases

If your business operation is leasing any space in Central Ohio, review your property coverage needs before signing. You may want protections like tenant betterment coverage, which could help protect any build-out you make to the space. Of course, commercial property coverage is important for anything your business will keep in the leased space.

During Business Expansion

As your business grows and evolves, its commercial insurance needs might too. New assets, new contracts, and new operations can all present additional risks that ought to be protected against.

Anytime you plan to significantly expand operations to a new location, with a new service, or otherwise, contact us at Insuran LLC to ensure your business is still adequately covered.

Protect Your Business

No matter what type of business you’re starting in Central Ohio, contact us today. We’ll help you find the right commercial insurance coverage.

Three Things You Didn’t Know Your Home Insurance Can Cover in Central Ohio

Home insurance in Central Ohio can do much more than many think. At Insuran LLC, we offer several home insurance options and want homeowners to understand their policies can handle many use cases. Here are a few things home insurance can offer that can sometimes go overlooked.

1. Different Types of Liability

Liability protection doesn’t just help when someone suffers an injury on your property; it can cover several incidents, some of which you may never have considered. Policies differ and depend on your options, but liability coverage can often kick in for things like accidental damage caused by you to someone else’s property. Liability can cover many situations, so look at your policy to see what it offers beyond the basic injury coverage.

2. Coverage Beyond Just the Structure

Your home insurance isn’t just protection for structural damage. Part of what makes a house a home comes from collecting personal belongings in and around the structure. Home insurance can offer a safeguard for all your personal belongings, no matter what they are. Some policies also protect personal belongings, no matter their location.

3. Loss of Access and Use

Your policy may offer you protection from loss of use. If, for some reason, your home becomes uninhabitable because of something your policy covers, you may receive living expenses from your insurer while you wait for repairs. Coverage will depend on the details of your home insurance policy, but it is a type of coverage that’s widely available.

There are other and sometimes even surprising types of coverage available. If you speak with your insurer, you may have access to numerous options you weren’t previously aware of. Insuran LLC offers a variety of home insurance options for homeowners in Central Ohio. Contact us today to learn more about what your home insurance can cover.

The Best Time for an Auto Insurance Update

At Insuran LLC, we know the importance of having good auto insurance. If you’re in the Central Ohio area and looking for a quality policy from trusted agents, you’ve come to the right place. We can also help you update your insurance because it’s a good idea to make sure your policy is the right one as your needs change. If you haven’t updated anything for a while or had a policy review, the best time is now.

Ideally, you should update or at least review your vehicle policy every year. You can do that by working with your agent to get quotes from multiple companies so you can choose the one that’s right for your current situation. That might be the one you already have, but sometimes it’s a different policy from another insurer. Your agent can help you shop around based on any factors that are important to you so that you can get quality coverage you feel good about.

Another important time to update your car’s insurance is when you make a change to your vehicle or household. If you trade your car in or buy another one, or you have a child who’s now old enough to start driving, you need to make sure your policy is updated. Our agents can help you make that change to your policy, giving you a more accurate quote and helping ensure that your vehicle and family are protected.

Contact us today if you’re in the Central Ohio area and need to update your auto insurance. At Insuran LLC, we understand how valuable the right coverage can be, and our agents are dedicated to working with you to get the protection and peace of mind you’re looking for.

Essential Home Insurance Tips for Central Ohio Residents

Insuran LLC knows how important home insurance is for a Central Ohio resident. We pride ourselves on providing our clientele with all of the information that they need most when it comes to decisions of this magnitude. Those who take the time to check out this guide are able to steer clear of the problems that tend to arise for Central Ohio homeowners.

Here is everything you need to know:

Taking Necessary Precautions

While many Central Ohio homeowners will view their insurance policy as the main precaution that they need to take, there are additional steps that can also be taken. For example, you may be able to find a more helpful policy if you are willing to install smoke detectors or shutters that are specifically designed to withstand the elements. Find out more about the precautions that are within your power to take before choosing a policy.


These policies are not a one-size-fits-all proposition. There are hazards and concerns that are specific to each homeowner, and they must be addressed as thoroughly as possible. You will need to discuss the potential issues that are most common in your particular region, so that your policy provides all of the necessary assistance.

Account for Everything

Nothing can be left to chance in these instances. A Central Ohio homeowner must be sure that they are accounting for everything. The potential costs of repairing and rebuilding the home will need to be accounted for. The same goes for your most prized possessions. You’ll also want to make sure that you are protected in case injuries take place on your property.

Schedule A Consultation Today

Do you have any additional thoughts or questions when it comes to home insurance in the Central Ohio region? If so, be sure to give Insuran LLC a call as soon as possible so that our team of professionals can point you in the right direction.

Insurance Tips for Car Buyers

In Central Ohio, car lots are everywhere, giving car buyers thousands of cars to choose from.  A new car or a "new to you" previously owned car is exciting. Some buyers may be first-time drivers, while others have been driving for a while. Either way, you’ve probably spent a significant amount of time deciding which car to buy. But what about car insurance? It can be confusing when purchasing a policy for your new car. However, by following a few tips for car buyers, you can choose your insurance, required by law in Central Ohio, with confidence.

Insurance Tips for Car Buyers

Buy Insurance First

Buying the car first and then buying insurance is frequently a mistake. Some dealers won’t cover the new car once it is purchased and driven off the lot. You may have insurance on a prior car, but don’t assume it covers the new car. Purchasing the car first can result in having a policy that doesn’t cover the new car completely. Then you may have to buy more insurance than planned, causing problems making the car payment.

Understanding Limited Liability

Ohio is a limited liability state. That is, your car insurance will have to meet Ohio laws regarding how much liability you are responsible for. It limits this amount to a lower basic amount covering what will be paid out in an accident. If damage is more than that limited amount included by law, you will have to cover it yourself. Auto insurance agents can suggest options for further liability coverage.

Add the Policy Yourself         

Car dealers rarely add your insurance. So always check and add your policy yourself to avoid driving illegally.

Insuran LLC can answer any questions you have about new car insurance. Call us today!

3 Things to Do When Starting a New Business

Starting a new business is an exciting venture, filled with potential and promise. As you plan your business, it’s crucial to focus on the practical steps that lay the foundation for success.

Here are three actions to take if you’re forming a new business in Central Ohio:

1. Develop a Comprehensive Business Plan

Your business plan is a document that serves as the roadmap for your business. It outlines your business goals, strategies, target market, financial projections, and how you plan to achieve your objectives. This document is not just for your reference; it’s a vital tool for communicating your vision to potential investors, partners, and financial institutions. 

A well-thought-out business plan can make the difference between success and failure, as it forces you to think through the practicalities of your business and anticipate potential challenges.

2. Secure the Necessary Funding

Starting a business often requires capital. Whether it’s for purchasing inventory, leasing a space, hiring staff, or marketing your product or service, you’ll likely need at least some funds to get started. You might draw on funding sources such as personal savings, loans, grants, and crowdfunding.

Of course, keeping startup costs as low as possible reduces how much funding you have to secure.

3. Get Appropriate Business Insurance

Don’t forget about insurance, which entrepreneurs sometimes accidentally overlook. Commercial insurance protects you from unforeseen risks that could otherwise be catastrophic to your business. 

Commercial insurance coverages can include everything from basic accidents to expensive assets. At Insuran LLC, our agents can help you find the coverages that make sense for your business.

Schedule A Consultation Today

Don’t leave your business unnecessarily exposed to risks that could be devastating. If you’re starting a business in Central Ohio, contact us at Insuran LLC today. We’ll help you make sure your business is well protected.

Avoid Financial Devastation With Home Insurance

A home is an enormous investment. It’s often the most valuable thing that people own, and it’s their largest investment. If something serious happens to the home, it can financially devastate anyone who doesn’t have home insurance. It’s essential to have this insurance in place starting the day you buy the home. When you need home insurance in Central Ohio, call us at Insuran LLC to get the coverage you need. 

House Coverage

When someone serious happens to your house such as a disaster or a damaging accident, the price of repairs can be extreme. It can cost tens of thousands or more for the repair bills. To cover yourself against having to pay for these repairs, you need to have home insurance. These policies are essential to have for your financial protection after the worst happens. A huge repair bill and no insurance could mean having a home that’s uninhabitable because you aren’t able to get the repairs you need. 

Possessions Coverage

Another large investment that you have is in your possessions. If a damaging incident occurred and your belongings were destroyed or seriously damaged, your home policy could pay to have them replaced. This is important coverage because of the many things that can happen to a home and the belongings inside it. If a room was damaged in a covered incident, for example, the items in the room that were destroyed because of that damage could be covered by the policy. This can save you an enormous amount on replacements that you need after a serious event occurs. 

Get Your Home Insurance Policy

When you’re buying a house, you will need a home insurance policy to cover both it and you. To get your policy in Central Ohio, call us at Insuran LLC to find out more. 

Do I need to file a police report if I am in an auto accident in Central Ohio?

If you drive in Central Ohio, you need to have a driver’s license and insurance and follow certain rules. Under Ohio law, there are steps you have to take if you are in an accident. You should always be prepared to exchange information with all the other involved parties, even if there are multiple cars involved. Knowing what to do ahead of time will make a stressful situation easier. At Insuran LLC, we want to make sure you have the information you need to make the best choices.

Legal Reporting Requirements

Before you do anything else, make sure no one needs immediate assistance and move out of the way if you are in a dangerous place. Then think about making a report. In Ohio, you are only required to make a police report under certain conditions:

  • If there was property damage of at least $1,000.
  • If someone was seriously injured.
  • If there was a fatality.

Failure to comply with the rules could lead to serious consequences. You could also face fines and/or the loss of your driving privileges if you are found to be uninsured at the time of the accident.

Making a Report Is Usually Your Best Option

Your safest bet in Central Ohio is to always call and ask for a police report. If no one is injured, you can call the nonemergency line and let them know that you are waiting with the other driver. The officer will collect everyone’s information and make a report. You can report the accident to your agent at Insuran LLC, and we can help you with your next steps. If you have any questions or if you want to make sure you have enough coverage, please feel free to call today.

What Businesses Should Have a Professional Liability Policy?

You’ve opened a new business, secured all the necessary licensing, and started serving clients. Your company has insurance coverage through a general liability policy, so you think you’re all set. Yet, what happens if you make a bad decision and a client sues you for it? The agents at Insuran LLC, serving Central Ohio, can advise you on appropriate professional liability coverage to protect your business.

What Professionals Need Professional Liability Insurance?

Essentially, anyone providing professional advice needs this type of liability insurance, also called errors and omissions or indemnity insurance. Prominent examples include medical malpractice policies for doctors and legal malpractice for attorneys. Most professional situations aren’t as dramatic as those, yet unhappy clients can sue many different professionals. Professionals who should consider a professional liability policy include:

• Consultants for any industry

• Real estate agents

• Other health care professionals like therapists

• Accountants

• Engineers

Keep in mind that this list is not all-inclusive. Even public notaries can be subjects of a lawsuit if someone deems their actions unacceptable.

What Does Professional Liability Cover?

Errors and omissions insurance covers claims of negligent advice. Professional liability insurance allows business owners to save their companies if someone sues them, whether the claim is legitimate or fabricated. These policies will cover legal fees, claims of past omissions, inaccurate advice, misrepresentation, or any other act that a client may deem harmful, whether justified or unjustified.

How Much Does Professional Liability Cost?

Professional liability policies vary in cost according to the type of business and how many employees you have. The more risky the business is, the higher the premium. Central Ohio residents can count on Insuran LLC to provide sound advice on the amount of professional liability insurance, along with policy particulars, for their business.