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Offering Liberty Mutual Commercial Products!

liberty-mutual-logoWe are happy to announce that Keslar Insurance Agency continues to broaden our offerings to our commercial insurance clients!  Now offering Liberty Mutual Commercial insurance products to our portfolio.

About Liberty Mutual: Your insurance needs are as unique as your business. Whether you’re in manufacturing, hospitality, retail, or any other industry, Liberty Mutual have the right solutions to help protect your business. From startups to family-owned businesses and Fortune 500 corporations, Liberty Mutual’s coverages can help protect your people, property, and reputation no matter your size. Over the past 100 years, Liberty Mutual Insurance has been committed to helping people preserve and protect what they earn, build, own and cherish.

If you are interested in learning more about Liberty Mutual Commercial offerings or discussing  other business insurance coverages please contact us. We offer a large number of solutions for general liability, Business owner’s policy  (BOP), commercial auto, worker’s compensation and more. We have partnered with the leading providers of insurance in the area.  We’d love to help you! www.keslarinsurance.com or 603-273-0953.

Car Insurance Tips for your New College Student

auto insurance college driving.jpgIs your child off in college? In the chaos of it all did you consider telling your auto insurance agent to see if any changes need to be made? Once your child leaves home, their car insurance may need to change.

Child that is not bringing their car to college:

If your child is going away to college and they are not bringing their car with them, make sure they are still listed on your policy as long as they are household members, especially as they are likely to drive the vehicles when they are home from school. Additionally, removing your child from your policy can have negative effects on your child’s policy of their own later in life.

Tip: Some carriers offer reduced premiums if the child is going away to school over 100 miles away and leave their car at home.

Child is bringing their car:

If your child is bringing their car to school with them, make sure to check to see if the school allows cars on campus. Some schools only allow certain grades to have their cars due to limited parking availability. For insurance purposes, it could make a difference if your child is living on campus or way from campus. Also, it may make a difference if they are there during the school year only or year around. Note too, if you child goes to a school out of state, they may not need a separate policy in that state. Ask you agent for details on your particular situation.

Tip: Rural areas tend to have lower rates than cities; if their school is in a rural area you could potentially have a reduced premium.

Child is commuting:

If your child is commuting each day, alert your insurance carrier about the amount of driving they will be doing. It is important to check your policy and make sure that you have adequate liability coverage for your child. Additionally, many carriers offer a “Good Student Discount,” offered to students that maintain a “B” average or better during their time in school.

Tip: Make sure to review details of your policy with your child and encourage them to drive safe and understand the potential risks involved.

Always review your insurance policies with your insurance agent whenever there is a life change including new drivers, new vehicles, updates to your home, marriage and more.

Now offering Travelers Commercial Products

travelers-logo

We are happy to announce that Keslar Insurance Agency continues to broaden our offerings to our commercial insurance clients!  Now offering Traveler’s Commercial insurance products to our portfolio.

Risk is a common factor in everyday business. That’s why Travelers offers a wide range of business insurance options to help mitigate risk and protect your company.
Options include:

  • Property Insurance: Provides coverage for buildings, business personal property, and even loss of business income and extra expense.
  • Commercial General Liability Insurance: Covers damages and provides defense against lawsuits for many common types of business liabilities.
  • Workers Compensation Insurance: Help you protect your most valuable asset – your employees– with workers compensation coverage, and risk control guidance, that can keep your business running smoothly.

Whether you have a small, mid-sized, large or even highly specialized business, Travelers’ dedicated underwriting, claims and risk control services can match your unique coverage and compliance needs.

If you are interested in learning more about Travelers Commercial offerings or discussing  other business insurance coverages please contact us.  We’d love to help you! www.keslarinsurance.com or 603-273-0953.

 

Do you need Comp and Collision insurance coverage on your car?

untitled-designThere is so much to know about auto insurance it can be overwhelming to know what you need a when you need it. Often you only worry about your coverage when it is too late, and something has happened.

Let’s first review the terminology. Collision coverage will help pay for repairs to your car (as well as replacement costs, in the event your car is totaled) after:

  • Crashing into another car.
  • Crashing into an object.
  • Rolling over.

Comprehensive coverage will help pay for repairs to your car or replacement of your car after it’s been damaged by events that aren’t accident-related.Typically, with comprehensive coverage you’ll be covered for damage from the following:

  • Fire.
  • Theft.
  • Vandalism.
  • Falling (missile) objects.
  • Hitting or being hit by an animal including deer, cows, bears, moose and birds.
  • Natural disasters.

Note that not all policies are the same. Before purchasing comprehensive coverage, make sure you know what your comprehensive policy will cover.

You may find these coverages packaged together as “physical damage coverage.

When you’re shopping for car insurance remember it typically consists of two components:

  • Physical damage coverage (comp and collision) refers to coverage that pays your own costs.
  • Liability coverage refers to coverage that pays others’ costs.
  • Determining Necessity

    Because comprehensive and collision are optional types of car insurance coverage, you should consider some factors before determining whether or not you need to purchase these coverages.

    Your Car’s Value

    The value of your car is an important consideration when determining whether you need collision and comprehensive coverage. If you car is:

    • Older and/or low-value, it may not be worth purchasing these coverages, since they will only pay up to the estimated fair market value of your car. We will often ask our clients- if your car were to be totaled, could you afford to replace the car outright? If not, you may want to consider keeping some comp and/or collision on the vehicle.
    • Newer and/or high-value, having these coverages can save you from paying out significant costs to repair or replace your car (if totaled)*.

    * IMPORTANT: If your car is totaled, your collision and comprehensive insurance will only pay you the estimated fair market value of the vehicle. THE INSURANCE COMPANY DETERMINES THIS AMOUNT. If you have a loan or lease, consider gap coverage, which will pay the difference between your how much you owe and the car’s cash value.

  • Your Driving Habits. You should also consider what you put your car through on a daily basis. For example, if you drive a lot of miles, or if you park your car in a location that is especially susceptible to theft or vandalism, you might want to have comprehensive coverage.
  • NOTE: While these coverages are not mandatory in any state, they are generally required as part of a car loan or lease agreement.

Still uncertain what the right coverages are for you? Talk to a licensed insurance agent. They can discuss options with you so you can end up with the right coverages for your situation. We’d be happy to review your options for your given situation. We can be reached at 603-273-0953 or www.keslarinsurance.com. We are an independent insurance agency providing home, auto, business and life insurance in NH and Maine.

Own a cleaning business? Know your insurance risks

Types of insurance needed for Cleaning businesses

cleaning blog postLike other business owners, owners of cleaning services face risks that can be mitigated with insurance policies.

Common types of incidents include:

  • art gets knocked off a shelf when dusting
  • your cleaning equipment stolen or damaged
  • an employee gets injured during work
  • your vehicle gets in an accident while you are working

These things do happen. When they do, you want to make sure you have adequate protection to make yourself whole again. Here are the types of insurance you need to keep you, your employees and your related assets protected:

General liability insurance is a key component of needed insurance. It could protect against lawsuits and other financial liabilities from accidents or other mishaps that you may cause. Property insurance protects your business property if it is lost or damaged due to things like fire, theft, vandalism or windstorms. These two insurances are often bundled together into one product called a business owner’s policy or BOP.

Worker’s compensation insurance: if you have employees, you need this to cover the medical costs and portion of lost wages if your employee becomes ill or injured during work. This a requirement in most states. An example of a time when worker’s compensation insurance may be used is when an employee slips on a wet floor during work and requires physical therapy and lost replacement wages.

Commercial auto: if you have a vehicle used for work, especially if it has your business information on the vehicle, it may likely have to be insured as a commercial vehicle. This covers the vehicle when it is involved in an accident. If you don’t have this insured correctly, any potential claims may not be covered.

Umbrella policy: this is an optional additional liability insurance product that will help cover you if you are in a lawsuit that costs more than your current policy or policies will cover. Ask your agent for details.

For more information regarding insurance coverages for cleaning services, contact us today at www.keslarinsurance.com or 603-273-0953.

Now offering Aflac!

aflac

We are happy to announce that Keslar Insurance Agency continues to broaden our offerings to our commercial insurance clients!  Now offering Aflac supplemental insurance which provides an additional level of financial protection for employees and their families in the event of serious accident or illness.

Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. When a policyholder or insured gets sick or hurt, Aflac pays cash benefits fairly, promptly and directly to the insured. For nearly six decades, Aflac voluntary insurance policies have given policyholders the opportunity to focus on recovery, not financial stress.

If you are interested in learning more about Aflac’s offerings or discussing supplemental insurance or other business insurance coverages please contact us.  We’d love to help you! www.keslarinsurance.com or 603-273-0953.

Did you know you have a choice in flood insurance? Here’s why you need to know about Private market flood insurance.

are you read for a flood?

Have you been told by your mortgage company that you are in a flood zone and need flood insurance? If so, you should know that you have a choice. You may get your flood insurance from FEMA National Flood Insurance. OR you may get private market flood policy. What’s the difference?

Private market flood is often less expensive

Private market insurance can often be less expensive than FEMA insurance. Also, policy holders that have allowed their policies to lapse and those homeowners with incredibly high premiums due to age of home or low elevations will also find that often Private market insurance rates are lower.

Private market flood covers even more.

A Private Market Flood policy is just as broad, and covers JUST as much as a FEMA National Flood Insurance Policy. It often has the same claims adjusters as FEMA policies.  Additionally, higher coverages for the building and personal contents may be available with Private market flood (FEMA limits at about $250K in coverages and Private goes up to $500K).

Reputable underwriter for Private Flood.

Underwritten by certain underwriters at Lloyd’s of London (A rated by AM Best).

Elevation certificates not needed.

Also, it typically does not require any sort of documentation, such as an elevation certificate.

Same day policies may be available.

Private flood is fast.  Often private flood is faster, often with only a 14 day wait (except for loan closings, which require NO wait)! That’s over 2 weeks less than FEMA’s standard wait time.

Want to discuss private flood in more detail?

We’d been able to put many clients with a private flood alternative, saving them from the more expensive Federal premiums. We’d be happy to run a quote for you and see what you may be able to save. We are available at 603-273-0953 or www.keslarinsurance.com

5 Reasons why spring’s arrival may mean insurance changes

flowers

 

The winter’s is behind us, hopefully. With spring’s arrival, there are often new things that impact your insurance needs. But now is the time to be addressing these issues with your agent.

  1. New toys: boats, motorcycles, ATV’s.

Many people buy “toys” to use for the nice weather in the spring. Call your agent as you consider your options to see how much it may cost you to put insurance coverage on these items.

2. Toys out of storage (motorcycles, ATV’s, boats and cars). 

You may need update your boat, motorcycle or ATV coverage now that you are either pulling these out of storage or maybe buying a new one!  You may be putting that convertible back on the road. Also, you may be putting your winter toys into storage, like your snowmobiles. Some policies may provide discounts for taking them “off the road”.  All of these things can be covered with a quick call to you agent.

3. Pothole damage

Driving through a pothole may ding up your car or cause damage, but you’re typically covered when you have collision coverage with your car insurance. If you don’t have coverage, however, you’re likely stuck with paying for the costs out of pocket. Ask your agent what your policy covers.

4. Spring flooding

When winter snow starts to melt, rivers and streams may rise. Mix in some spring rains, and there is potential for flooding. While a standard home insurance policy covers water damage from sudden occurrences – such as burst pipes – it typically will not cover destruction related to spring floods. Calling your agent before you run the risk of a flood is always a good idea to learn about your options.

5. Hail damage- autos and homes

Springtime storms can bring hail that destroys siding and roof shingles. Fortunately, homeowners are usually protected under their home insurance policies.  And if a window breaks because of a storm, that’s typically covered too, along with resulting water damage.  Your auto policy may also cover any damages to your vehicle. Always ask your agent to make sure you know what is covered in your particular policy.

If you have any insurance related questions or concerns, please feel free to reach out to us. We’d be happy to assist you. We can be reached at www.keslarinsurance.com or 603-273-0953.

Boat Insurance: What you need and why

boatBoating season is just around the corner. Here’s some FAQ’s we often get about how to protect you, your boat and others, so you can enjoy your time on the water!

Are all boat insurance policies the same? No. There are different types of boat insurance. Sailboats, water-ski boats, fishing boats, cruisers and personal water craft each may have different insurance requirements.

Won’t my homeowner’s insurance cover my boat? Many homeowners policies often will have a minimal amount of coverage for really small boats like a sailboat. Also, your homeowners insurance may provide limited coverage if the boat is damaged while parked on your property, but it may not cover stolen contents or vandalism. Discuss with your agent ways to protect your boat additional risks with things like an umbrella policy.

What does boat insurance cover? A boat policy covers:

  • liability if someone is injured on your craft
  • bodily injury that your boat inflicts on others
  • property damage your boat inflicts on docks and other boats
  • physical damage to your boat should you hit something or run aground.

You can also purchase comprehensive coverage against theft, vandalism, fire and flood, personal property coverage for your fishing gear, uninsured boater insurance and even roadside assistance in the event you need a tow.

What about the months I don’t use my boat? Do I need to insure it? A boat policy may allow you to “lay up” or suspend coverage for specified periods when you’re not using the boat. Discuss with your agent the trade-offs to suspending coverages.

What is “Agreed value” vs. “market value” or “actual cash value”? With agreed value, the insured and insurer agree on the value of the boat upfront. If something happens to the boat, you’re going to get paid up to the agreed value. With market value or actual cash value, the boat depreciates; so if the boat is destroyed, you’re going to get enough money to replace the boat’s (current) value. Owners of newer boats and boats that are financed typically go with agreed value. Owners of older boats may consider cash value.

Is my boat covered when I’m trailering it?

When the boat is attached to your car or truck, you are covered by your auto policy should you back into somebody. Note, you are only covered to the limits of that auto policy. Always check those amounts with your agent.

What if my boat isn’t worth much. Do I still need insurance?
You should never be without adequate liability insurance. Accidents do happen and you could be in a situation where someone is seriously hurt or you caused major damage to another boat or facility.

Have more questions on insuring your boat? Always talk to a reputable independent agent who can provide you with choices. We are happy to help. We can be reached at 603-273-0953 or www. Keslarinsurance.com.

 

Thinking of moving? Have a few homeowner’s insurance claims? What you should know

movingYou’ve determined it is time to move to a new home. You’ve had a run of bad luck and have a few claims filed with your homeowner’s insurance company in the past few years. Now, you are wondering how that may impact you going forward.

Do the claims follow me or the house?

Let’s look at how the claims impact you. When you go to get insurance on a new home, the new insurance carrier will pull what they call “reports.” Part of these reports show  your claims history. Typically, each carrier considers your claims history over different periods of time and has different eligibility requirements that they will accept. In many cases, a recent history of multiple claims could cause you to either incur higher insurance premiums for your new home or even make you ineligible for their products. Fortunately, an independent agent often has multiple carriers they can work with so they are much more likely to find you some good coverages at the best price they can.

Will these claims haunt me forever?

No. Remember, each company has different guidelines on how far back they look at claims and what they are willing to accept. Over time, these claims will “drop off” your reports, allowing you to potentially purchase better insurance products at better prices. Regardless if you are selling your home or not, your agent should be reviewing this with you and the carriers each year to ensure you are not overpaying or in the wrong product for your needs.

How does this typically impact those buying my current home?

Great question. One would think that a home with numerous claims would have a more difficult time getting insurance. This may be true, but often this is more because the home may require some updating or repairs than because of the number of historic claims.

Will the new buyers of my home know about the claims?

When their insurance agent pulls the buyer’s “reports” with that new address, the claims often come across on the reports. They aren’t typically penalized because of these claims as they would be attributed to you, the seller. But it is possible they could become aware of a claims history. You should always make sure you work with a licensed Real Estate agent to ensure you are handling all disclosures about your property correctly.

Still have questions?

Always talk to your homeowner’s insurance agent anytime you are considering making a change like moving, renovating or buying additional property. All of these things can impact your insurance in ways you may not have considered. Your agent can help address any questions, point out any risks and ensure that you have the right protection at the right time. We’d be happy to help with that too! We can be reached at 603-273-0953 or www. keslarinsurance.com.

 

 

 

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