Otterstedt Insurance Agency Blog | Insurance Questions Answered

What Type of Insurance Do You Need as an HVAC Contractor?

Written on June 26, 2019.

HVAC contractors can be some of the most popular people in your town or community. When people need their air conditioning repaired in the middle of a heat wave or heaters replaced during the worst weather winter, you come in and save the day or night. That doesn’t mean your job is not...

Why Work With an Independent Insurance Agent?

Written on May 30, 2019.

You’ve probably been told or have read that it is best to work with an independent insurance agent. But what you may not have been told is why. There are many reasons why working with an independent agent is better than working with an agent tied to a single company. Independent Agents...

NJ Businesses Take Note: Paid Sick Leave Is Now Mandatory for All Employees

Written on May 15, 2019.

Since October 29, 2018, New Jersey requires all employers to provide paid sick leave to covered employees regardless of whether the employee is full-time, part-time, or seasonal and regardless of the size of the employer. An employee who works for an employer located outside of NJ but...

What Type of Insurance Do You Need as a Rideshare Driver?

Written on April 27, 2019.

Rideshare drivers have unique insurance needs and often find out, too late, that their existing insurance coverage does not protect them if they have an accident while driving to pick up passengers or returning home after dropping passengers off. Doesn’t the Rideshare Company Provide...

What Type of Insurance Do You Need as a Landscaper?

Written on April 16, 2019.

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...

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

Written on April 1, 2019.

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...

What Type of Insurance Do You Need as a Plumber?

Written on March 21, 2019.

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...

The Risks of Being Underinsured

Written on February 26, 2019.

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...

Employer Company Car Accidents & Violations: Who is Liable?

Written on February 15, 2019.

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...

Explain My Coverage

Written on February 12, 2019.

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...