3 Reasons to Protect Your Home Business with Commercial Insurance

If you’ve decided to start a home business, you should be aware that your homeowner’s insurance may be insufficient to protect your business interests. Your homeowner’s insurance policy may not cover expensive business equipment or products or even offer protection against accidents for customers who visit your home for business purposes.

In contrast, commercial insurance from Alcorn Insurance Agency, Centralia, IL, will provide your home business with all the protection it needs. Here are a few reasons to consider commercial coverage for your home business.

Business Property Protection

If your business requires the use of expensive equipment, commercial insurance will protect this equipment from the risk of theft, damage or loss. Commercial insurance can also protect business products you store or sell from your property.

With commercial coverage, you will be compensated for loss of business property due to fire, storm, vandalism or other covered peril. Replacement cost coverage covers the cost of replacing business products or equipment so you don’t have to pay out of pocket. Depending on the extent of damage to your business, commercial coverage could save you from complete financial loss.

Business Liability Protection

Business liability insurance offers various forms of protection for your home business. If you render a professional service from your home, you may want professional liability coverage to protect your clients when on your property. If you manufacture or sell products from your home, product liability will protect you against the risk of injury your product may cause to customers at large.  

Business Growth and Expansion

There are always risks to running a business, whether it’s from your home or in a separate business location. Commercial insurance will protect your business against these risks, giving your enterprise the opportunity to grow and prosper.

For more information about commercial coverage for a home business, contact Alcorn Insurance Agency, Centralia, IL.

Are Pets Covered on Home Insurance?

Pets are a part of the family and as such we are all worried about what would happen should they be killed or injured in our homes. For those in the Centralia, IL area, the agents with Alcorn Insurance Agency can outline just what your policy covers.

In most cases, your insurance is going to cover a wide range of things that are directly associated with your pet. They do cover pet damages to someone else’s property, they often cover things like dog bites to other people, they may cover vet bills if your dog attacks another dog, and they may even cover the cost of the theft of a pet.

In terms of taking care of vet bills, if your pet dies, or if your pet is injured, most policies steer clear of this distinction because not all people own pets. There are alternatives however for those that do have pets and want to protect them. You can take out pet insurance which is very similar to health or life insurance for people to help cover vet bills, take care of them if they are hurt, and more.

In most cases, the homeowner’s policy that you have in place is meant namely to protect the homeowner and the home as well as the contents of the home. That is not to say that they are not also going to protect the home and homeowner from pets and pet damages but that pets are not always the main tenant of any home insurance policy.

If you are at all concerned about what your policy covers and you live in the Centralia, IL area, the agents with Alcorn Insurance Agency can help go over your policy to tell you just what it covers.  

Commercial Insurance as Part of a Solid Business Plan

So, you are planning to start a business or already have one up and running in Centralia, IL? Well, hopefully you have a solid business plan. Any entrepreneur who does not know exactly where they want to be a week, month, year or even decade from now might be in danger. Things are just too competitive.

But, even if you have all your plans written down on paper, be prepared for things beyond your control. When accidents happen, they can take down even the seemingly most secure businesses. That is why you need to have adequate commercial insurance in place. Without this essential security, you could suffer financial disaster.

Here are reasons why commercial insurance should be part of any serious business plan.

1. Accident Injuries

You never know when a customer will have an accident on your premises. It is just too easy for someone to slip and fall, for example. They will then usually demand you pay for the medical bills and other costs.

Accident injury claims can wind you up in serious financial trouble. Always have adequate commercial insurance in place before opening your doors.

2. General Negligence Lawsuits

If you fail to settle an accident claim or get accused of negligence for some other reason, you will have to pay out of pocket to hire a lawyer. Court fees are getting more expensive every day in Centralia, IL.

The other side will probably try to prolong the proceedings to make it hard on you to run your business. Do not fall into this trap. Get enough commercial insurance now to handle the costs of these all-too common lawsuits. Fortunately, the staff at Alcorn Insurance Agency can help.

3. Employee Problems

Your workforce can also pose problems. They too may get injured or claim some sort of workplace negligence on your part. You will need enough insurance to deal with the lost time dealing with these issues.

Get More Information Today

You have worked hard to succeed. Do not lose everything by failing to have enough commercial insurance to cover you during times of trouble.

Just speak with the experienced agents at Alcorn Insurance Agency today about an affordable plan.

 

Is Your Teen Ready to Drive?

According to the Secretary of State in Illinois, traffic accidents are the main danger to our older teens. There are a variety of reasons for this, and the main way to prevent teen driver accidents is to make sure that your teen driver is truly ready for the responsibility of driving before allowing them to be behind the wheel.  

Ways to Increase Driver Safety for Your Teen

  • Ride with them often. The more often you allow them to drive when you are going someplace together the more likely you will be able to use mistakes as teaching moments that can end up saving a life. Also the more often you allow them to drive with you in the vehicle the more experience they will get in general. 
  • Implement a solid no-texting while driving rule. Distracted driving is deadly driving so make sure your teen knows the risks. There are a lot of YouTube videos that can drive home the point if you want to use scare tactics. Many parents choose to lock their teen’s mobile devices in the trunk or glove compartment when they leave so they know their teen will not be in the habit of checking each time a text dings. 
  • Teach your child that driving is a responsibility and a privilege, not a right. If they have not proven to you that they are not mature in other facets of their life, then they may not be ready for the responsibility of driving. Use your best judgment for the safety of your own teen and other people on the road. 

At Alcorn Insurance Agency we want the leading cause of death for people between age 15 and 20 to change. For the best insurance rates and driving tips in and around Centralia, IL contact us today.  

What is a Normal or Low Risk Driver

In the insurance world, there are plenty of terms that you will come across that might need further explaining. The term normal or low-risk driver is just that. For those in the Centralia, IL area, the agents with Alcorn Insurance Agency can help define these terms.

For our basic needs, the term normal or low-risk driver refers to those drivers that are least likely to have an accident or file a claim against their insurance. These drivers are generally over the age of 25, have a safe driving record, have not filed any claims within the past five years, and are often married or have a stable job and home or residence.

These are all factors that help to make a driver low risk. The idea is that these drivers are going to be safer because they do have more experience than younger drivers, they are not at an age where they are going to be inattentive, and they have a home and other items that would make them want to be careful when driving.

Those drivers that are under the age of 25 and over the age of 70 are both going to be considered higher risk drivers. The first group is higher risk because of lack of experience while the other group is higher risk due to factors related to aging. No matter what group you fall into, the longer you go without an accident or without a ticket or infraction, the better your rates are going to be and the lower your premium is going to be.

For those that still have questions and live in the Centralia, IL area, Alcorn Insurance Agency can help you to answer your questions and help you determine if you are a high-risk driver or simply a normal low-risk driver.  

Five Home Projects To Save On Insurance

Living in Centralia, IL can be very rewarding. You love your home and want to do everything you can to protect it. For this reason, you want to make sure that you have affordable home insurance in place. Various DIY home projects can be done to help you accomplish this.

Roofing Repairs

At Alcorn Insurance Agency, we recommend for homeowners to have a roofing inspection and conduct roofing repairs throughout the year. This way, if there is a rainstorm or snowstorm that impacts your roof, it is in better condition. Otherwise, you could end up with extensive damage that could lead to having to file a home insurance claim and spending money out-of-pocket.

Window Repairs

There are various window repairs can be performed to keep energy bills in check and water from entering the home. This includes replacing older glass panes and caulking around the frame.

Landscaping

Landscaping is another way to save on your insurance. If you keep the path leading up to your home free of debris, there is a reduced chance of someone falling. This saves you from a liability claim of someone injuring themselves on your property.

Security System Installation

Various security systems are available on the market. Some include video surveillance cameras, mobile apps, and more. You can install the system and then have a company monitor it for any activity. This reduces the likelihood of experiencing an actual break-in, which can save you on home insurance.

Fencing

A fence the ability to save you a lot of money. Whether you decide to go with chain-link, aluminum, PVC, or anything else, it adds a barrier around your property.

You need to ensure you have financial protection in place on your home in Centralia, IL. There is no reason for you to spend a fortune on home insurance. Contact Alcorn Insurance Agency to learn more about obtaining affordable insurance and get quotes multiple companies today.

Tips for Prepping for a Winter Storm

You can pretty much bet on a winter storm happening at some point in Centralia, IL. Whether you have successfully prepped in the past or you want to learn how to do it better, you have come to the right place. Before the next winter storm comes through the area, use these tips to prep for it. You will be so happy that you did when you have everything you need at home.

Get Food and Water

During every storm, you need to prepare for the worst. That includes getting plenty of food and water for everyone in the home. When buying food, you should consider getting food that you do not have to cook just in case you do not have power. You should also get supplies for your fireplace if you have one. This can come in quite handy if you lose power because it can provide warmth and light.

Get Salt for the Ground

Once the storm is over, you will likely want to get out of the house. If ice has accumulated, that will be difficult to do. Before it gets bad, get some salt, sand, or cat litter and spread it on your sidewalks and driveway. This will help prevent ice build up. If the ice is already there, adding it on top will have the same effect. Just do not put it on your grass.

Even with the best prepping, you cannot predict what will happen during the storm. The best way to protect your home is with a home insurance policy. If you do not have one or are considering a change, be sure to contact our office serving Centralia, IL, today. We will pull some quotes for policies for you that will work with your budget and protect your home.

Tips for Preventing Water Damage at Home

You’ve put a lot of time and effort into keeping your home clean and well protected but did you know that you could be making some mistakes in Centralia, IL that could lead to water damage later? Before you make some costly mistakes that could haunt you later, be sure to use these tips from Alcorn Insurance Agency today. 

  • Be sure to keep a close eye on your water bill. You should already know what a normal water bill looks like for you but if you notice an increase and you have not actually used more water than normal, then you have cause for concern. This could mean that there is a small leak somewhere and you will want to get it inspected before it becomes an even larger leak. 
  • Be aware of where you plant your trees and other foliage. While this is not something that can cause a water leak immediately, if you plant something in an area close to underground pipes, it will one day be an issue. Make sure you do not plant anything close to underground pipes because they will not move when roots reach them and it will cause a huge water issue that can be costly. Avoid this if possible and be careful of where you plant things. 

Other than using these tips and thinking ahead on any actions for your home, you also need to have a great home insurance policy in place so you can protect yourself in case water damage still happens. There is no way you can prevent it completely from happening so you want a home insurance policy. Whether you currently have one or not, be sure to contact Alcorn Insurance Agency serving Centralia, IL for more information and to get a free quote. 

Winter is Here! Is Your Home Ready?

Smart homeowners recognize the importance of preparing their home for winter. Winterizing a home not only takes the chill out of your indoor environment but can save you money on heating costs. The following tasks should be included in your winter prep plans.

Service Furnace

Before winter hits in earnest, take the time to service your furnace. Professional cleaning and maintenance will keep your furnace operating at top capacity all winter long. Regular maintenance will also extend the lifeline of your furnace to keep it running efficiently longer.

Prep Plumbing

Insulate your water pipes with foam insulation to keep them from freezing in winter. Pre-slit pipe insulation sleeves can be readily found in most hardware stores. Exposed water pipes will only cool down hot water as it passes through, wasting money on heat. By insulating pipes, you save on heating costs and reduce the risk of pipes bursting and causing interior and structural water damage. For added protection against the risk of water damage due to burst pipes, make sure you have water damage insurance coverage from Alcorn Insurance Agency in Centralia, IL.

Prep Fireplace

Get ready to enjoy the warmth of your fireplace by scheduling your annual fireplace inspection at the onset of winter. A professional inspection should include checking and cleaning the chimney to make sure your fireplace is safe to use throughout the season.

Seal Drafts 

Minimize drafts by caulking or weather-stripping windows and doors to seal leaks that allow cold air to seep into your home. If necessary, replace old, worn windows and doors that no longer provide the protection you need from severe cold. By upgrading windows and doors, you can create a warmer, more secure home environment.

Home winter prep includes updating home insurance coverage to meet your present needs.  For more information on home insurance options, contact Alcorn Insurance Agency in Centralia, IL.  

 

Preparing for the Winter in Centralia, IL

If you live in the city of Centralia, IL, you should make sure that you are familiar with home insurance as it operates in that city. You should know everything about your home insurance policy, and this applies some times more than others. It does apply a great deal during seasonal changes, which can be fairly extreme in the state of Illinois and can have an impact on your home.

There are things that you can do to prepare your home for the winter, however. For a comprehensive list of things to do, you should review your home insurance policy. This will tell you which types of damages are covered and which ones are not. Though there are several things that you should do around your home to be prepared, it is more important to take precautions against the events that will not be covered by home insurance.

One of the things that you should make sure to do is clean out the gutters and install gutter guards. If there is debris, such as sticks and leaves, clogging up the gutters, you can end up with ice damming, which is the result of the water being unable to go properly through the drainage system and ending up seeping into your house through the walls and ceiling when the debris prevents ice from being able to flow through. You should also make sure to repair handrails, steps, and holes and cracks in the walls and foundations. Indoors, you should make sure that your house is relatively warm and insulated, and that the pipes are not broken in any way.

If you live in Centralia, IL, you can benefit from contacting the professionals at Alcorn Insurance Agency and asking them about what you can do to make sure that your home is prepared for the winter. The agents at Alcorn Insurance Agency can answer any questions that you might have about home insurance and its importance in the Illinois winters.