3 Ways Commercial Insurance can Help a Business Grow

Commercial insurance can protect a fledgling business against accidents or lawsuits that can cause financial ruin. In protecting business assets and interests, commercial coverage enables you to invest in your company’s growth. Here are a few ways in which commercial insurance from Gallina and Sons can help your Bridgeville, PA business grow.

Liability

Liability coverage protects you against business-related injuries and accidents. If a customer accidentally injures himself while on your business property, general liability will help pay for medical expenses as well as protect you against a lawsuit due to the accident. Product liability protects you against injuries caused by a product you manufacture or sell. Liability insurance protects your business assets, so you can make financial decisions that will help take your business to the next level.

Property Insurance

Business expansion often requires the purchase of property, equipment, supplies, and other items essential to generating revenue. Property insurance protects your business property against damage or loss due to theft, fire, hazardous weather, or other covered peril. This protection lets you make investments that will help expand your business without worrying about the financial loss.

Workers’ Comp

Good employees are the backbone of every business. You’re more likely to attract reliable workers if your company has workers’ compensation to protect their interests. Workers’ comp protects your employees against accidental injuries on the job. It also protects you from lawsuits that may arise due to employee accidents.

By exploring the different types of commercial coverage, you can get a better idea of how to protect your business in ways that help it grow. The right insurance package can provide you with financial security to invest in your future.

To learn more about commercial insurance and all it has to offer, contact us at Gallina and Sons in Bridgeville, PA.  

How Driving Citations can Change your Auto Insurance Policy

When renewing your auto insurance policy, or starting a new policy, typically the insurance company will look at several factors. They may consider what type of car you are driving, how far you usually drive your car each day, or how many people will be driving the car in the household. Did you know that a car insurance policy is also determined by any driving citations you may have incurred? 

Any ticket for a moving violation can significantly impact your car insurance policy and the premium that you will pay. Although each car insurance company is different, typically moving violations are separated into three distinct categories. A small impact ticket that will not alter your vehicle insurance drastically could be something like having a tail light out while driving. 

A more serious moving citation might be a speeding ticket for going ten mph over the speed limit. This can moderately affect the premiums you pay for car insurance. 

A serious moving violation may be something like DUI conviction. This can have very grave consequences and can even cancel your coverage depending on the situation in which you were caught.

Each car insurance is different and will have different thresholds to consider for moving violations. The severity and the number of tickets in a given amount of time will also impact the way your auto insurance changes.

If you have questions about auto insurance policies, be sure to reach out to Gallina and Sons proudly serving Bridgeville, PA. At Gallina and Sons, we understand that auto insurance can be complicated. If you are a resident of Bridgeville, PA, please reach out to us. We are available to help answer any questions you may have and can help get you started on a new auto insurance policy today. If you are looking for a quote, try our online rating tool on auto insurance.

Is condo insurance mandatory in Pennsylvania?

A condominium is not treated in the same way as an ordinary house when it comes to insurance as condos contain different apartments shared amongst different owners. If you reside in a condominium, some facilities such as the backyard, basement, front walks, and swimming pools will be shared thus the insurance fee is shared amongst the tenants.

If you live in a condominium unit in Pennsylvania, you will need to visit a local condo association in the state to ensure that you are adequately insured in case of liability. At Gallina and Sons, you will get professional help on the type of condo insurance to purchase to ensure that the shared facilities in your condominium are adequately insured. Because an HO6 doesn’t cover the entire condominium, it would be smart to buy a condo policy if not already required by a lender. In this sense, this insurance coverage can be considered to be mandatory.

With HO6 condo insurance, common areas such as the entire condominium structure, elevators, and the lobby will be covered in case of any liability. Notably, accidents can occur while you are not inside your apartment which means that the HO6 insurance will not cover your liabilities. It is important to purchase a condo insurance policy and remit the yearly fund requirements to keep the coverage active.

Undoubtedly, the individual unit owners have a collective duty of ensuring that the commonly owned areas of your unit are insured with an effective HO6 insurance coverage. In the event of a natural or human-made disaster, spelled out in the policy such as earthquakes or hurricanes, condo insurance association will evaluate the amount of repair work required and will then tender the claim to their commercial insurer so that the loss is covered. It is high time you visited Gallina and Sons in Bridgeville, PA for professional help and to have your questions answered.