How to Determine What Kind of Commercial Insurance You Need

Commercial insurance is a unique type of insurance in that there is no specific policy that you can choose. It is one where you can actually build what you need into the insurance plan so there are no two insurance policies that are the same. This is true even in Clovis, NM and if you are looking to get a commercial insurance policy for your business, General Insurance Agency can help you. 

Because no two businesses are exactly alike, there are no two commercial insurance policies that are as well. You want to be able to choose the things that you need in an insurance policy to make it work for you. In order to determine how this insurance policy will look, you need to take a look at what you need specifically from a commercial insurance policy. There are a lot of things to take into consideration including things like workers compensation and coverage for any machinery that you may have. It may even be helpful to take a look at some of the most common coverages so you can make sure that you get exactly what you need from your policy. 

Because there is so much that can be covered by a commercial insurance policy, you want to make sure that you cover everything that you need. This can be hard to do if you do not know what to consider or if this is your first commercial insurance policy. If you need help figuring out what you need in your policy to make sure that your business is completely covered, be sure to reach out to us here at General Insurance Agency, serving Clovis, NM. We can help you find the right policy that will fit into your budget. 

Put Your Car in Your Garage (Your Insurer Will Love You For It)

One of the biggest contributors to people’s cars being broken into in Clovis, NM is when the same car owners make it easy for thieves and vandals to access the car. Folks who are in the business of looking for easy opportunities most often roam for quick grabs. And leaving one’s car outside and, in some cases, unlocked, makes it much easier for a thief to help himself than if the car is in the garage. The more barriers between a thief and a target, the more likely that a thief is going to opt for an easier alternative.

The home garage is far more effective than an ignition lock, a sound alarm, a neighborhood watch or even a wheel block. That’s because the garage door literally takes the car out of sight. Further, it elevates the crime in Clovis, NM when a criminal gets caught by the police. It’s one thing to grab a small item from the car or break a window. In most jurisdictions, that’s a misdemeanor. However, once a person breaks into a home, even a garage, they have definitely crossed into the felony territory. And if someone is home, it changes from a larceny into a burglary, and even more serious felony class. So many thieves avoid homes altogether, opting for the easier path in theft crimes from what General Insurance Agency experts have seen with claims.

To find out how much of a difference a garaged car can mean for your auto insurance, have a chat with the folks at General Insurance Agency. They can get right down to the details of how the simple garage can mean big difference savings for your car insurance policy.

How Much Auto Insurance You Legally Have to Have

Auto insurance is something that can be a bit tricky for some but it doesn’t have to be. Here at General Insurance Agency, serving Clovis, NM, we know that you simply need to have the minimum amount of coverage based on the laws in the state. You do not have to any anything more unless you want to have it but you cannot have anything less or you will be breaking the law. As long as you meet the minimum requirements for the state of New Mexico, you will not have any issues.

What Are the State Minimum Requirements?

In the state of New Mexico, the laws for auto insurance outline that drivers of vehicles are required to have minimum liability auto insurance. There are also specifically set amounts of coverage that are needed. Drivers need to have at least $25,000 in coverage for bodily injury to or death of one person, $50,000 in coverage for bodily injury to or death of two or more persons, and $10,000 in coverage for property damage in any one accident. Keep in mind that these are all liability coverages.

Now that you know what is required of you in order to remain legally compliant in terms of auto insurance in Clovis, NM, you need to make sure that you have that coverage. If you are not sure how much coverage you currently have and if it meets the minimum requirement, we can take a look at that for you. if you do not have a policy, we can even get you a free quote for coverage that will ensure you are following the law and also staying within budget. Be sure to reach out to us here at General Insurance Agency today to get started.

5 Easy-to-Overlook Things That Can Affect Home Insurance and Rates

Shopping for home insurance, either for a new home purchase or for better rates, can lead to numerous questions. Some of the most common involve what actually affects those rates. While some issues are common knowledge, there are also topics that can easily be overlooked. A quality general insurance agency serving Clovis, NM and the surrounding area is going to want their clients to have this information.

Below are 5 things too many homeowners overlook and how they can affect their rates.

1. A pool. Having an inground or above ground pool can be fun, especially for kids and barbeques, but they can significantly raise home insurance rates due to liability. These are called ‘attractive nuisances’ and it’s essential to follow all local laws and ordinances to limit liability.

2. Home-based businesses. Even if a person is simply offering services (not products), they open themselves up to external liability, which can put their home in jeopardy, too.

3. Dogs. There are certain breeds of dogs that are considered major liabilities, especially for attacks against strangers and even family and friends. A general insurance agency should be willing to share which breeds they consider too risky. 

4. Home remodels. If you plan to remodel your home, that can be exciting. Just keep in mind the type of renovation can often have a direct impact on your insurance rates. Contact that general insurance agency in Clovis, NM for more direct details.

5. Home security. Having a quality, reliable home security system and taking other steps to shore up security in your home can help you find lower rates, thus saving money each month on your premiums.

These are just a few ideas that can help save money on home insurance rates.

How to Choose the Right Coverage for Your Business

Finding the right insurance coverage for your business in Clovis, NM can depend on a number of different factors, including your industry, how many employees you have and risks associated with your business. An agent at General Insurance Agency can help you find the right coverage for your business, but there are a few things you should know.

You will want to start with business liability coverage. General liability coverage will cover a number of different things that could affect your business. Coverage includes bodily injury and property damage that is caused by your company. It also includes if your company is sued due to copyright infringement or other defamation lawsuits.

If your business has employees, some type of workers’ compensation insurance can be necessary, even if your employees are not doing physical labor. Those that work at desk jobs can suffer injuries to their wrists that still need to be covered. No matter what type of work your employees do, workers’ compensation can be beneficial for the company.

Thinking of additional risks you have can help determine what additional coverage is needed, and you will want to review on an annual basis. Ask questions about your business’ day-to-day operations; is there expensive equipment that is handled? You know your business better than anyone, so make sure to discuss any risks with an agent. If a business has a lot of company cars, commercial auto insurance should be considered. General liability insurance does not protect against fault to properly render services, so for service-based professional firms like lawyers, accountants, and consultants, professional liability insurance may be necessary.

As your business grows, you may need additional coverage to stay protected. Contact an agent at General Insurance Agency serving Clovis, NM for a quote on business insurance.

No-Fault Insurance: What This Insurance Types Means For Your Car

In Clovis, NM, there are a lot of people who are confused about no-fault insurance and how it affects their vehicle. That’s why we at General Insurance Agency want to set the record straight about this insurance and how it affects you. You might be surprised to learn how it can help you. 

The Nature Of No-Fault Insurance 

No-fault insurance is mandatory in nearly 20 states and is a slightly different type of car insurance. First of all, it covers your medical expenses and loss of income in a car accident. It covers both you and your passengers and will kick in no matter who caused the car accident. As a result, it can be a great type of coverage for people who are worried about medical treatments. 

The Confusing Part Of This Coverage 

One element of no-fault insurance that may confuse you is its lack of coverage for auto damage. That’s because it is not designed for this type of coverage. Your collision insurance will cover any impact damage to your car. Think of no-fault as a way of covering economic losses, such as loss of income and medical expenses, rather than pure auto insurance. 

Limits Do Apply 

Another important aspect of this coverage type is that you must fall within what your policy terms as a “serious injury” threshold. This fact means you must suffer from significant disfigurement, bone fracture, limitations of body organs or members, limitations of bodily functions, and other injuries that make it impossible for you to live a healthy life or work regularly. 

Getting No-Fault Coverage 

So if you live in Clovis, NM and want this type of coverage, contact us at General Insurance Agency. Our agents understand the various laws regarding this type of coverage and can ensure that you get the type that suits your driving needs. We can even find a collision policy that is right for you.

Do All Auto Insurance Policies Include Glass Coverage?

When you are in the market to purchase a new auto insurance policy or make changes to yours, you may find yourself wondering about glass coverage. You may wonder if all policies include glass coverage or if they all cover your auto glass in the event of an accident or if a rock comes flying through your windshield. At General Insurance Agency, serving the Clovis, NM area, we want to provide you with the information you need to make a decision about auto insurance. Here is what you need to know about auto insurance and glass coverage. 

Do All Auto Insurance Policies Cover Glass?

All auto insurance policies will cover auto glass that is damaged in an event that is covered by your car insurance. For example, if you have collision coverage, your auto glass is covered if your glass breaks in a car accident. If you have comprehensive coverage, your auto glass is covered if a vandal breaks the auto glass. 

What Is the Difference Between a Regular Policy and Separate Auto Glass Coverage?

Some insurance has separate auto glass coverage policies. These policies typically have much lower deductibles than your regular auto insurance policy. They may also cover against smaller imperfections in the glass, such as cracks or chips. 

When you are ready to purchase new auto insurance in the Clovis, NM insurance, be sure to get a price quote from General Insurance Agency. We are committed to helping you find the best auto insurance for your needs at a price that fits within your budget. Call us today to get started on your quote. 

Is Your Business Protected Against Disasters?

The current trend of natural disasters is a constant reminder of the need for insurance protection for both your home and business. As a small business owner, it’s important you take measures to protect your company from any eventuality. Here are a few ways you can protect your enterprise against natural disasters.

Get the Right Insurance Coverage

By assessing the risks to your Clovis, NM business, you can obtain personalized business insurance coverage to suit your company’s needs.    

Property insurance, for example, will cover damage to your building, business equipment and inventory from such perils as fire, wind, hail and other natural calamities. By customizing your policy, you can also protect your property against flooding.  

If a disaster causes your business to close temporarily, business interruption coverage can replace lost income while your building undergoes repairs. Business interruption can also help cover lost wages for your employees and the cost of renting another location until repairs to your property are made. Integrating this coverage into your business owner’s policy from General Insurance Agency will help protect you against disasters.

Develop a Plan for Handling Disasters

A “disaster plan” will prepare you and your employees by outlining what to do in the event of a disaster. The following details can be part of your plan:

  • Designate a contact person for employees to communicate with in the event of a disaster
  • Choose an alternate location to work from in case your current place is damaged
  • Make an evacuation plan to help employees leave business premises quickly and safely in a disaster
  • Select a person to keep clients updated on company affairs after a disaster has struck

Advanced preparation is key to protecting your business from natural disasters. At General Insurance Agency, Clovis, NM, we can provide you with adequate business insurance coverage to suit your company’s needs.  

How to Lower Your Auto Insurance Rates

Everyone wants to pay less for their auto insurance in Clovis, NM, that’s just a fact of life. But understanding how an insurance company thinks is always going to be a better way to lower your rates than it is to choose the most cut-throat rates. See how you can organically lower your rates without having to use a fly-by-night insurance company who may or may not be around when you really need them.

Better Driving 

This is really the best possible way that a driver can lower their rates, but it goes beyond just staying away from drugs and alcohol before getting behind the wheel. General Insurance Agency knows that a clean driving record means slowing down and paying more attention to the road. When you call an insurance company, they’re also looking at your habits as much as they’re looking at your driving record. Statistically speaking, you’re more likely to get into trouble if you’re constantly driving late at night in high-crime areas than you are on Sunday mornings when everyone’s on their way to church. So you may see higher rates depending on how much you drive and where. (Lying about these habits may result in a denial of a claim.)

Additional Factors 

Having good credit or buying your car in cash may be able to lower your insurance rates tremendously, as can taking more precautions when it comes to theft. So if you have an expensive alarm system or advanced tracking gear, then you may enjoy lower rates. To learn more about how to get better insurance rates, give General Insurance Agency a call. We’re here to help the residents of Clovis, NM gets rates they can live with, so they can continue to enjoy the freedom that a car can bring. 

Are Dog Bites Covered by Your Home Owner’s Policy?

General Insurance Agency serves residents who live in and around the St. Clovis, MN area. They offer a comprehensive list of insurance policies that cover your home, automobile, and business. Each agent can offer sound advice about the amount of coverage you need as well as ways to protect yourself from financial loss. Dog owners often have questions concerning their liability when it comes to their pets. 

Issues On Your Property

While laws can differ from state to state, the main issue with a dog bite is whether the dog was under the control of the owner when the bite occurred. If you have dogs and plan on inviting people to your home, you should contain your pets so they have no contact with your guests. If a pet gets loose and bites someone while they are in your home, you will be liable for their medical expenses. It’s important to know exactly what your policy says when it comes to having guests in your home and any potential liability you may be responsible for.

What Happens If My Dog Gets Loose?

If for any reason your dog leaves your property and attacks or bites someone, you may be held liable for any damages because you were not in control of your pet at the time the attack occurred.

The agents of General Insurance Agency can offer sound advice on how to protect yourself from specific types of liability, including that associated with dog bites and other types of injuries that are caused by pets. If you live in St. Clovis, MN, call and schedule an appointment today to make sure your policy is up to date and provides coverage for any liability that you may incur because of your pet.