Don’t Leave Your Business Unprotected – Get Commercial Insurance

Are you the owner of a Kansas business? Are you adequately insured? Our team of insurance experts at Marla Williams Agency can provide the protection your business needs.

Commercial Insurance: Vital Protection For Your Business

Do you wonder why commercial insurance is important for your business? It helps to cover the costs related to liability claims and property damage. Without this coverage, a business owner needs to pay out of pocket for costly damage or legal claims against their business. This could be the difference between closing your doors forever or remaining in business.

Commercial insurance is typically a one-year contract between an insurance company and the business owner in which the insurance company assumes responsibility for the business liability in exchange for a premium.

Most small businesses should have a BOP or business owner’s policy

It combines business liability, business property, and business income protection in one policy. Business property is sometimes referred to as “commercial property” and helps to protect the physical location of the business and its assets.

The peace of mind and protection this coverage offers are critical. If you have an employee that gets hurt on the job or becomes seriously ill as a result of his or her work, workers’ compensation insurance helps to pay medical costs, reimburse them for lost wages, and provide funeral expenses if needed.

If you have a customer that falls and gets injured on your business property, this coverage will help to pay for associated medical expenses and in the event of a lawsuit, the business will not need to pay out of pocket for the damages.

As with all types of insurance coverage, there are some things this coverage will not cover:

  • Intentional wrongdoing
  • General liabilities for day-to-day accidents not directly related to workplace activities
  • Illegal activities
  • Employee disputes, such as if an employee files a suit based on discrimination, will not be covered under commercial insurance.
  • False advertising

Looking To Protect Your Business in Kansas?

Let us at Marla Williams Agency provide the protection your business needs. Contact us today, and we will be happy to answer your questions. 

Three signs it’s time to update your home insurance policy

Your home insurance needs can change over time. That’s why you should know the signs to look out for that indicate it’s time to update your policy. 

At Marla Williams Agency, we can answer all of your questions about home insurance in Kansas and help you update your coverage when needed.

The following are three signs that it’s time to update your home insurance policy:

You’ve made some new security updates to your home

When you make updates to your homes such as adding improved locks or security cameras, you may be eligible for lower home insurance rates. 

Make sure you let your home insurance company know about security updates and look into potential discounts on your premiums. 

You’ve recently remodeled your home

If you’ve recently remodeled your home, it could mean that your home is more valuable. Increased home value might mean that you want to increase the coverage amount on your home insurance policy.

Reevaluate the coverage maximums on your policy and the increased value of your home after your remodel project. 

You’re keeping some expensive new items in your home

Your home insurance offers coverage for the possessions you have in your home. If you’ve recently purchased valuable items such as expensive electronics or pieces of jewelry, it could be a good idea to increase your coverage limits,

If you don’t increase your coverage limits after purchasing expensive new possessions, your home insurance policy might not be fully protecting you financially. This leaves you at risk of experiencing financial loss in the event of damage to your home. 

Give Us A Call

We’re here to assist you with all your home insurance needs in Kansas. Get in touch with us at Marla Willaim Agency for answers to all your questions about home insurance. 

Is My Car Eligible for Classic Car Insurance in Kansas?

You love taking your classic car for the occasional weekend romp or showing it off at nearby car shows. However, you may worry about whether you have sufficient insurance to cover your expenses in the event of damage or loss. Fortunately, the insurance agents at Marla Williams Agency help drivers in Kansas determine whether their car qualifies for classic car insurance and the type of protection needed to give you peace of mind.

Is Your Car a Classic Car?

Classic cars include muscle cars and hot rods. These cars have different insurance requirements than the ones you drive every day. Although there are various definitions of what makes a car “classic,” the one that matters is what your insurance company considers classic.

In general, vehicles eligible for classic car insurance include antique cars 25 to 30 years old (or older), hotrods (“souped” up vehicles), luxury vehicles, classic trucks, and muscle cars. Some insurers also cover classic motorcycles, antique tractors, and military vehicles.

How to Qualify for Classic Car Coverage

Meeting the above factors can help you qualify for specialized insurance. Since classic vehicles cost more to repair or replace, insurance providers have additional requirements regarding usage and storage.

You cannot use your classic car for everyday use. Most policies include mileage limits. When you attend car shows and auto club events, many classic car policies cover your travel back and forth as an exception to this rule.

You also need to show that you store your vehicle in a protected environment, such as an enclosed, locked, and private storage unit or garage. In addition, if you have a good driving record, you have an excellent chance of obtaining classic car insurance.

Classic Car Insurance in Kansas

While not all vehicles qualify for vintage car insurance, yours might. Contact Marla Williams Agency to speak with a knowledgeable representative. We want to help you understand and procure classic car insurance so that you don’t miss a single car show.

What Is Umbrella Insurance?

Umbrella insurance is a different type of coverage from most other insurance types. It works with other insurance policies that you have in order to give them a boost of coverage. When you need more liability insurance for policies that you already have, it’s a smart idea to get an umbrella insurance policy. If you are interested in getting one of these policies, call us now at the Marla Williams Agency in Kansas.

Umbrella Insurance Coverage: What You Need To Know

Home and Auto Insurance

When you already have auto and home policies in effect, umbrella insurance is a way to add to them both at one time and with one policy. The amount of liability coverage inside auto and home policies can be too little to pay for serious accidents. It’s also highly expensive if you want to add more liability coverage directly onto both of these policies. A way to get more liability coverage for both and to do it for far less cost is to get umbrella insurance. This gives you a blanket of more liability coverage that comes in handy if there is an accident that you are liable for. Without it, you could be responsible for paying a lot of medical bills and other costs when your liability coverage won’t cover all of them. 

How This Coverage Works

When you have an umbrella policy, it doesn’t come in first to pay after an accident has happened. The first policy to come in will be your auto or home policy. Once it has maxed out, your umbrella policy can come in to pay whatever is left over of the bills you are responsible for to save you from having to pay them. 

Get More Liability Coverage

To be better protected with an umbrella policy, you can give us a call at the Marla Williams Agency in Kansas.

Is Classic Car Insurance Worth It?

When you’re driving down the road and see a classic car, you can’t help but admire it. These beautiful vehicles have style and grace that is unmatched by modern cars. Owning a classic car is a dream for many people, but it comes with a price tag. Classic car insurance can be expensive, so is it worth it? In this article, we’ll explore the pros and cons of classic car insurance and help you decide if it’s right for you.

The Pros of Classic Car Insurance

There are a few things to consider when weighing the pros and cons of classic car insurance. The first is that classic cars are usually worth more than modern cars. This means that if you have a classic car, you will likely need to insure it for more money than you would a regular car. Marla Williams Agency in Kansas can help you get the coverage you need for your classic car.

Another pro of classic car insurance is that it can provide coverage for things that regular insurance doesn’t. For example, classic car insurance often includes agreed value coverage. This means that you will receive the full agreed-upon amount for your vehicle in the event of a total loss. This can be a huge benefit if your car is totaled in an accident or stolen and never recovered.

The Cons of Classic Car Insurance

Of course, there are also some drawbacks to classic car insurance. The biggest downside is the cost. Because classic cars are worth more than regular cars, they often come with a higher price tag. This means that you will likely pay more for your premium than you would for a regular car.

Another downside of classic car insurance is that it can be difficult to find. Not all insurance companies offer coverage for classic cars, so you may have to do some searching to find a policy that’s right for you.

Give Us A Call

Classic car insurance can be expensive but offers some benefits that regular insurance doesn’t. If you’re considering insuring your classic car, Marla Williams Agency in Kansas can help you get the coverage you need. Give us a call today to learn more about our classic car insurance policies.

Required Auto Insurance in Kansas

When you drive a vehicle in Kansas, you are required to have an active auto insurance policy. This policy must have at least the types of coverage required by law as well as at least the minimum amount of each coverage type that is mandated. It is helpful to get other coverage in addition to what is required so that you are better covered against a wide range of risks. If you need an auto policy, don’t hesitate to call us at Marla Williams Agency in Kansas. 

Auto Insurance: What You Need To Know

Liability Insurance

There are two types of liability coverage that you have to have in your auto policy. These are bodily injury liability and property damage liability. The bodily injury coverage covers the injuries that happen to people who are injured in an accident that you caused. This does not include your own medical bills. The property damage coverage pays for someone else’s property damage that is caused by an accident you caused. It does not include any coverage for your own vehicle’s damage. It does, however, cover your legal expenses after the accident. 

Personal Injury Protection

This type of coverage is also required by law. It pays for the expenses incurred when you are in an accident. This includes your medical expenses, lost wages, and continuing medical care such as in-home help. This protection is given to you no matter whose fault the accident is. It also covers your passengers and their expenses. 

Uninsured/Underinsured Motorist Protection

This coverage pays for your expenses after you are in an accident caused by a motorist without insurance or without enough insurance. This also covers a hit-and-run driver as well as when you’re a pedestrian or bike rider. 

Get Your Auto Policy

If you don’t have auto insurance in Kansas, it’s time to get legal. Give us a call at Marla Williams Agency.

Is Flood Insurance Mandatory in Kansas?

Flooding is the most common natural disaster in the US, causing damage of billions of dollars and putting millions of people at risk every year. Since flood damage isn’t covered by standard home insurance, you should get stand-alone flood insurance from Marla Williams Agency, serving many locations in Kansas. 

Is Flood Insurance Mandatory in Kansas?

Is flood insurance mandatory?

No Kansas law requires homeowners to buy flood insurance. However, if you have a mortgage and your home is located in a high-risk flood area, your lender will insist you purchase flood insurance. But whether flood insurance is compulsory or not, every homeowner and renter should have it because it can save you from a financial crisis.

Why you should buy flood insurance

The unpredictable nature of flooding in the US means that you have to be prepared all the time. And you don’t need to live along the coastline to be at risk of floods. Wherever it rains, the risk of flooding is always there.

Here are the reasons you should invest in flood insurance:

  • To protect your assets: Flood insurance protects your building structure and the contents inside when floods strike. This means you don’t have to start from scratch when floods strike. Your insurer compensates you to repair or even rebuild your home.
  • Flood damage is expensive: When floods strike, they leave untold damage behind. Just a one-inch rise in water level leads to repairs of about $25,000. If the floods are heavy, you can see how expensive it can get. 
  • Peace of mind: When you have flood insurance, you don’t have to live on the edge when the weatherman announces a heavy storm is on the way. You stay relaxed, knowing that your assets will be safe even after floods strike.

Ready to get started with flood insurance? Please get in touch with Marla Williams Agency for an affordable quote. We serve many locations in Kansas.

Do home-based businesses need commercial insurance?

Home-based businesses are an excellent option for people who want a little more flexibility and don’t want to have to rent an office or business space. But, as convenient as it is, it needs to be treated like it is a real business, not just a hobby. That means thinking about what kind of commercial insurance you need. At Marla Williams Agency in Kansas, we are here to provide the guidance you need to choose the right coverage for your home-based business. 

You may think that your home insurance is adequate to cover your home business, but that is not correct. There are several areas where your business will be lacking with home insurance. 

Benefits of commercial insurance for home-based businesses

Property insurance

Home property insurance is made to protect the building, but content insurance is different insurance. Your business content will for the most part, not be covered by home property insurance. With commercial property insurance, your business records, your office equipment, your inventory, raw materials, and tools will all be protected from something bad that happens. 

Liability coverage

Liability insurance protects you from legal action against you. If you have clients or customers coming to your home to do business, your home insurance will not protect you if they are injured and decide to sue. Customers can also sue because they are dissatisfied with the service you have provided and again, home insurance liability would not cover you for that. 

Business interruption insurance

If your home is damaged by a covered peril, your home insurance will repair your home, but what about your business? How will you be able to do business and where will you do business?  Home insurance will not provide you with any income to keep your bills and payroll paid, but business interruption insurance will. 

Contact Marla Williams Agency in Kansas for help with your commercial insurance. 

 

Which type of life insurance is right for your family?

The entire team here at the Marla Williams Agency is proud to serve the insurance needs of Kansas residents. If you wonder which type of life insurance may serve your family’s needs the best, let us help! We are here for you whenever you need us.

Different types of life insurance

There are two main types of life insurance: term and permanent. As the names suggest, a term policy is in place for a specified period of time, such as 15 or 30 years. A permanent policy is in force for your entire life. Of course, these parameters are only in place when the policyholder stays current with their premium payments. 

With a permanent policy, you can have peace of mind knowing that your family or surviving spouse is protected. A term policy is utilized to cover burial costs and other end-of-life expenses for many. There are pros and cons to each type of policy.

When you work with a local insurance agent, you get the benefit of having a firsthand resource and an advocate. Navigating all of the life insurance options and policy amounts can make the selection process a bit overwhelming. If you want to find the policy that best meets your needs and those of your family, it only makes sense to work with someone who knows you and your needs.

Discover more today by calling our office.

Let us help you protect your family.

Marla Williams Agency wants to ensure that our friends and neighbors in Kansas have the insurance protection they need. If you have questions about life insurance, we are here to help! Call or stop by our office today.

Why would someone invest in an umbrella insurance plan?

The state of Kansas can be a great place to work and live. To ensure that you continue to feel protected when living here, having proper insurance support is quite important. When you get an umbrella plan, you can obtain additional personal liability coverage. There are a few reasons that a person in this state will want to have this additional coverage. 

They Want Protection Against Large Claims

A reason that someone would want to have an umbrella plan is so they can protect against larger claims. If you are responsible for many types of accidents, the damages will be covered by either home or auto liability plans. However, every insurance plan has a policy maximum and you may need to pay for damages if they exceed your base policy. If you get an umbrella policy, it will provide additional coverage on top of your other insurance plans. 

Protection Against Unexpected Risks

You should also get an umbrella plan as it is a great way to protect against unexpected liability risks. While auto and home plans come with liability coverage, they do not offer the same blanket protection that can come with umbrella coverage. When you have umbrella protection, you will be comforted knowing that you have this blanket coverage, which will offer peace of mind and this support. 

There are a lot of great reasons to get an umbrella insurance plan. If you are looking into new insurance coverage here, you should start your insurance search by speaking with Marla Williams Agency. There are a lot of choices to make with any insurance decision and Marla Williams Agency can help you evaluate your options. This will help you pick an umbrella plan that offers the right amount and type of additional liability support.