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.

Cover Your Risks With Home Insurance

When you own a home, covering it with home insurance is a must. If you need home insurance, just call us at Insuran LLC in Central Ohio.

Property Damage Risk

Your home is always at risk of being damaged by a number of accidents, calamities, and disasters. These can strike unexpectedly and cause a lot of damage to your house. This damage can be highly expensive to get repaired. When you have home insurance, it protects you against these risks. It can pay for the repairs you need so that you can get your life back to normal again. And if your home is destroyed by a covered event, the policy will actually pay to have the whole house rebuilt. 

Belongings Risk

Your belongings are also at risk from a number of events that can damage them. Your home insurance can cover this damage and pay for the repairs or replacements that you need. Replacing everything would be very hard to afford without home insurance coverage. The costs may be many thousands of dollars to get everything replaced. Few can afford to replace all of their belongings after a serious, damaging event. That’s why it’s so important to have this coverage. 

Liability Risk

As a homeowner, you’re also at risk of being liable for accidents. If someone came to your house and had any type of accident there with injuries, your home insurance can pay for their medical bills. If you don’t have this coverage, these bills can be extremely high. It’s always better to be covered by home insurance just in case of accidents. 

Get Home Insurance

If you don’t have a home insurance policy yet, it’s time to get one. Call us at Insuran LLC in Central Ohio to learn more and get started with a policy of your own.

Aside From Cell Phone Usage, What Other Things Fall Under the Umbrella of Distracted Driving?

Distracted driving is a leading cause of automobile accidents. When people hear the term distracted driving, they often envision someone doing something on their cell phone, such as texting or talking. However, while cell phones can lead to distracted driving, there are more instances of the same. Insuran LLC serves the greater Central Ohio drivers with auto insurance which comes in handy in cases of accidents, so we are well-versed with the various causes.

Here are some more examples:

Eating or Drinking While Driving

One of the most common examples of distracted driving is eating or drinking while driving. Your hands may be full, and you may be focused on your food instead of the roads. 

Playing With the Radio While Driving

Changing the radio station or trying to skip songs is another example of distracted driving. If you must change the radio station, do so when you are at a complete stop at a red light. 

Paying Attention to Your Children While Driving

If you have children in your car, you can easily become distracted while driving. As hard as it can be, try to avoid looking back at a screaming or yelling child. If your child needs immediate attention, pull over into a parking lot to tend to the child instead of doing so on the road. 

We Are Here To Help

Anytime you are focused on something else aside from driving, you are a distracted driver. Being a distracted driver can greatly increase your chances of being involved in an automobile accident, so when you are driving, you need to ensure your focus is on the road.

Here at Insuran LLC, serving the greater Central Ohio area, we are here to help you with auto insurance. If you are looking for an estimate on a new policy or you have questions about your existing policy, we can help. Call or email us today to learn more.

Should I get commercial insurance for my hobby farm?

The joys of owning your hobby farm are vast and varied—from fresh eggs in the morning to the satisfaction of working the land with two hands. However, with all that joy comes some responsibility, and one important aspect of farm ownership is ensuring your livestock, crops, and buildings are protected from loss or damage. If you have a hobby farm in Central Ohio, Insuran LLC recommends commercial insurance.

Why Commercial Insurance?

Coverage for Liability

Accidents can happen if you have visitors to your hobby farm, whether friends or strangers. An unexpected fall, injury, or property damage could lead to a liability claim. That’s where commercial insurance comes in handy, providing coverage in case someone is injured or their property is damaged on your farm.

Protecting Your Home and Outbuildings

Hobby farms may include homes, barns, sheds, and other habitable structures. Homeowners’ insurance may not cover all aspects of a farm and its equipment, while commercial insurance can protect the structure and contents.

Protection for Livestock and Crops

The upkeep of your animals and crops is essential to your livelihood. Commercial insurance can cover damage from natural disasters, predator attacks, and even diseases/infections that could affect your livestock and crops.

Reach Out To Us

Whether you are a seasoned farmer or starting out, it’s important to understand the options for protecting your hobby farm. Commercial insurance may not be required for your hobby farm, but it can protect you, your family, visitors, animals, and income. At Insuran LLC, we specialize in providing tailored insurance solutions that meet the unique needs of hobby farmers in Central Ohio. Contact us today to learn more about our commercial insurance policies for hobby farms.

How Home Insurance Protects You

When you own a home, it’s extremely important to have a home insurance policy. It’s never a good idea to go without this coverage for even a day. If you need home insurance for a new home that you’re buying, or you want to change your home insurance, give us a call at Insuran LLC in Central Ohio to find out more about these policies and to get covered. 

Protection for Your Home

There are several types of coverage that you get with a home insurance policy. One of these is protection for the dwelling. The house is covered under these policies against a number of threats that can happen to homes. These may include certain disasters, various accidents, and other calamities that your home may be at risk for. When you’re covered against those events, the policy will pay for the repairs after one of these events happens to the home. Repairs can be highly expensive, so it’s always important to have this coverage to pay for those potential repair costs. 

Protection for Your Belongings

Your belongings are a large investment of your money, and they also need to be protected. When you have home insurance, the policy will cover your belongings that get ruined or destroyed during one of the events that are covered. Having this protection means that the policy can pay for you to replace your belongings instead of you having to come up with all of that money on your own. 

Protection for Liability

Another type of coverage is liability protection. If someone has an accident in your home, this coverage would pay for the medical bills and other costs so that you won’t have to. 

Get Home Insurance

When you need home insurance, call us today at Insuran LLC in Central Ohio to get started. 

Tips to improve your gas mileage

Gas mileage is a major concern for many drivers here in the Central Ohio area, especially in times of rising fuel costs. Fortunately, there are several simple steps we at Insuran LLC recommend you can take to help improve your gas mileage and get the most out of every mile you travel. 

Tips to improve your gas mileage

First, make sure your car is properly maintained and kept up to date on routine maintenance services like oil changes and tire rotations. A car that’s in good shape runs much more efficiently than one that isn’t well taken care of. Additionally, regularly check your air filter – a dirty or clogged filter can significantly reduce fuel economy. 

Second, drive smarter – avoid sudden stops and starts and try to accelerate gradually. This will not only save you money on gas but also help improve your safety on the road. You should also plan ahead as much as possible when driving; if you know where you’re going beforehand, it’ll be easier to take the most efficient route with the least amount of stops. 

Finally, use cruise control when driving on highways or other long stretches of road. Doing so will help you maintain a consistent speed and save fuel in the process. And if available in your vehicle, use eco-mode or another type of fuel-saving feature designed to reduce emissions and boost gas mileage efficiency. 

Don’t Be Without Auto Insurance

By following these simple tips, you can dramatically improve your car’s gas mileage and make your daily commute more economical! For more tips on how to improve your gas mileage, or if you have any questions about your auto insurance policy, call us at Insuran LLC today. We are proud to serve the Central Ohio region and would be glad to help you.

How commercial insurance can save your small business

When you have a small business, you face risks to your business just about every day. Your chances of failing are incredibly high. At Insuran LLC in Central Ohio, we have a team with expertise in commercial insurance that will make sure you have coverage that is correct for your business. 

Why Commercial Insurance

Commercial property insurance

Commercial property insurance offers a variety of different coverage. It protects the building if you own it, but it also covers all the things that you use to do business. Depending on what line of business you are in, this can extend to the tools of your trade as well as office equipment. If you have a small manufacturing business, this can be machinery, raw materials, and finished products. Stores include the display units and your inventory. Whatever your particular type of business uses will be included. 

Commercial liability insurance

Businesses in general and small businesses, in particular, are vulnerable to being sued. As a matter of fact, about one-third of all businesses will be sued in any given year. Legal action against you can be very damaging to your business. It could drain your assets and kill your business if you don’t have liability insurance. 

Commercial auto insurance

If your business owns any vehicles, you need to have commercial auto insurance. Personal auto insurance can not be relied upon to pay for damages that occur when you are doing business. 

Workers compensation insurance

In the state of Ohio, if you have one or more employees, you must cover them with workers’ compensation insurance.  Both full-time and part-time employees count. This is good for you and your employees. 

Contact us Today

Give us a call at Insuran LLC in Central Ohio to get the commercial insurance that will protect your particular business. 

Why should a Central Ohio property owner get home insurance?

Being a property owner has continued to be a great way for someone to build long-term wealth while also having a consistent place to call home. Those that are looking to purchase a home should also make sure they have the right insurance for it. A typical property owner in the Central Ohio area should have this coverage for various reasons. 

Why Home Insurance?

Cover Dwelling and Personal Assets

A primary reason people here need home insurance is so they can properly cover their dwelling and personal assets. A home purchase is likely the most significant investment that you will ever make. Further, your home will likely contain many personal assets that you use and rely on. Due to this, protecting your assets is very important. One of the best ways to ensure this is done is by getting home insurance, which offers financial support if you do incur a loss.

Manage Liability Risks

It is also important that property owner recognizes and manages their personal liability risks. If you are at fault for an accident that occurs on your property, you can be found liable for any damages that the other party incurred. As these can be significant, having insurance is important. When you get a home insurance plan, you will obtain the liability coverage needed to manage this concern. 

Give Us A Call

If you are in the Central Ohio area and own a home, you clearly need to have insurance for it. There are a lot of decisions and options to consider when looking for this coverage and working with Insuran LLC can help you build a quality plan. Insuran LLC will help you understand all of your needs, options, and other factors that can then be used to help build a quality plan. 

Four things not to do when you buy auto insurance

You need to make the right choices and go through all the key steps when you buy insurance coverage for your vehicle in Central Ohio. Our team of insurance experts at Insuran LLC can help you to find the coverage that you’re seeking.

Here are four things not to do when you buy auto insurance:

Putting inaccurate information on your application for auto insurance

Honesty is always the best policy when you purchase insurance from an auto insurance company.

You can count on your insurance company checking your driving record before they sell you an insurance policy. That’s why you shouldn’t try to hide any infractions on your driving record. 

Failing to use the Internet when you’re doing auto insurance research

You can find policy quotes and info about auto insurance on the Internet.

There is plenty of information about auto insurance on the Internet, so you should definitely take advantage of online resources like comparison sites when you’re looking for an auto insurance policy. 

Being uninformed about auto insurance types and options

Auto insurance coverage is a broader insurance category that is made up of various insurance types. These include liability, collision, and comprehensive coverage. There are a few other types of coverage in the auto insurance category as well.

Know what your insurance options are so that you’re confident that your policy includes the insurance you want and need. 

Being unaware of deductible amount options

You get to choose from various deductible amount options when you buy auto insurance.

Buying a policy with a low deductible makes it less expensive to file a claim, but more expensive to pay your premium every month. 

Contact Us Today

You can rely on us at Insuran LLC to help you get the auto insurance you need in Central Ohio. We’ll be happy to provide you with a policy quote!