What Type of Insurance Do You Need as a Landscaper?

As a landscaping business owner, you might fear you don’t have the right amount of insurance protection to meet your needs. That’s more than a legitimate concern because failing to have adequate protection for your business places you in serious risk if something goes wrong. So, what types of insurance coverages do you need for […]

What Information Do You Need to Get a Homeowners Insurance Quote?

Getting a homeowners insurance quote is usually pretty straightforward.  There are, however, a few key details you’ll need to have on hand to get the right quote. Whether you’re purchasing your first home insurance policy or you’re just exploring your options, this is the information you likely need to get a quote. Information about the […]

What Type of Insurance Do You Need as a Plumber?

Plumbing businesses are businesses. Just like any other businesses, you need business insurance to protect your personal interests and assets. Whether you are a residential or commercial plumber, you have unique challenges, risks, and insurance needs. These are among the types of insurance you need to purchase if you own a plumbing business. Business Owner’s Policy This is […]

The Risks of Being Underinsured

You probably know by now how important it is to have insurance coverage. What you may not know, until you find yourself filing a claim, is that being underinsured on your home, auto, personal umbrella, renters, flood, or liability insurance protection can be really painful as well. In fact, it can be financially devastating for […]

Employer Company Car Accidents & Violations: Who is Liable?

When employees use business vehicles for business errands, the question of liability and responsibility often arises. Who is responsible for acts of drivers in business vehicles? It’s a question some employers do not even consider until a violation, accident, property damage, or injury has occurred. If you are one of the many employers who hasn’t […]

Explain My Coverage

Understanding the types of insurance coverages available is a critical part of protecting you and your families financial security.  Below are some of the top insurance coverages the average household requires. Auto Insurance Coverage Auto insurance coverage provides financial protection if you are in an auto accident. The type of protection you receive depends on […]

Is Your Business Susceptible To a Data Breach?

Many business owners mistakenly believe their businesses are too small to attract malicious hackers and others attempting to steal information, money, and more through data breaches. Nothing could be further from the truth. Small Business Trends paints an alarming picture of the reality of vulnerabilities small businesses experience when it comes to data breaches. These […]

Who is Liable for a Slip and Fall on Ice at Your Home?

Slip and fall injuries are tricky things, legally speaking. That doesn’t mean that homeowners bear no legal responsibility, or liability, for slip and fall injuries occurring on their property. When people slip and fall on ice at your home, whether it be a guest, the mailman or a stranger, a few things must be proven […]

What is PIP Coverage?

PIP stands for personal injury protection and is an extension of your regular auto insurance. It covers medical costs and in some cases, lost wages. People often refer to it as “no-fault” coverage since it pays out claims regardless of who’s at fault for the accident. What PIP Coverage Covers? PIP provides you with vital […]

Who Do I Call if I Have a Claim?

If you’re like many people, you buy insurance hoping you’ll never need to file a claim. However, if the time should ever come when you do need to file a claim, it’s important that you know what to do. One of the many benefits of working with a local agency, like Otterstedt Insurance Agency, is […]

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