What Kind of Commercial Insurance Do You Need in California?

In California, there are specific types of commercial insurance that are needed for various businesses. There are two types that are mandated by the state, and there are also countless other policy types that can be extremely helpful in protecting your business. If you are interested in commercial insurance for your California business, contact us today at Armorcrest Insurance Services in El Centro, CA.

Workers’ Compensation Insurance

When you have a business that has any number of employees, whether they are full or part-time, you are required to have workers’ compensation insurance. Having even one part-time employee makes this coverage mandatory. If someone gets injured at work, or develops a work-related illness, the business is generally liable for all of those medical bills as well as the injured party’s lost wages during recovery. With workers’ comp insurance in place, it is the policy that pays- not your business. This can keep a business from going under due to high medical bills to pay. 

Commercial Auto Coverage

If your California business owns a vehicle, it has to be covered by a commercial auto insurance policy. There are a few types of coverage that the policy is required to have as well as minimum amounts for each of those coverage types. There is a mandatory minimum amount for property damage liability coverage. There is another amount required for the injury or death of one person in an accident and another for everyone who was injured in the vehicle’s accident. All three of these amounts are very low when compared to other states, and it’s a good idea to get more than the required minimum for coverage. 

Get Your Commercial Insurance

It’s always best to have enough insurance, and your business can suffer without it. To make sure you have the commercial policies you need, contact us at Armorcrest Insurance Services in El Centro, CA.

Who Needs Boat Insurance in Virginia Beach, VA?

If you own a boat in Virginia Beach, VA, you know nothing is like the fun you have with your boat. But for you to continue cherishing the moments, you need the right insurance to keep you afloat. Ready to get started with boat insurance? Armor Insurance Group sheds light on why you need boat insurance.

If you are financed

Boat insurance isn’t mandatory in Virginia, but if your boat is financed through a loan, your lender may require you to purchase boat insurance until you have cleared the outstanding loan.

If you want to protect your asset

Your boat didn’t come cheap. It has taken you years of savings to invest in your boat. Because your boat is precious, you need boat insurance to protect your asset now and for years to come. Collision coverage protects your boat against collisions with stationary objects and other boaters. On the other hand, comprehensive coverage protects your boat against non-accident risks like falling objects, fire, and Mother Nature.

If you want liability protection

You might be careful in the water, but accidents can happen even to the most careful boaters. Because accidents do happen, you need liability boat insurance to protect you when accused of bodily injury and property damage by other people. Boat insurance ensures you don’t incur out-of-pocket expenses whenever mishaps occur.

If you need peace of mind

Boating should be fun. But how can you enjoy your boat worry-free if you are thinking about mishaps that are likely to happen in the water? Invest in boat insurance, and you can have a relaxed moment in the water.

Buy boat insurance today!

Do you want to have limitless fun in the water? If you have a boat, consider boat insurance from Armor Insurance Group in Virginia Beach, VA.

Is having a flood insurance plan in Virginia Beach a good idea?

Owning property in the Virginia Beach, VA area will continue to be a good long-term decision. Those that are owners in this market will continue to find that prices appreciate over the years and that they will enjoy having a place to always call home. Those who want to purchase a property in this area should always make sure they get the right insurance for it. For some, having flood insurance is a good idea. 

Ensures Insurance Compliance

An important reason that you should get flood coverage in this area is so you can be assured that you are in compliance with your insurance obligations. If you have financed your property with a mortgage, the lender will likely want you to carry flood insurance at all times if your home is in a flood zone. They also may have you escrow your payments to ensure you remain insured properly.

Coverage Protects Home

Those that buy a home here also should consider flood insurance to properly protect their home. If your home is damaged in a flood, the impact can be significant. Unfortunately, the coverage you receive for this from a standard insurance plan could be limited. A full flood insurance plan will give the protection that is needed to ensure you are covered in these situations. 

Overall, having a proper flood insurance plan in the Virginia Beach, VA area is always a good idea for property owners that are deemed to be at risk. As you are looking for a new insurance plan, you should call the Armor Insurance Group. When you are speaking with the Armor Insurance Group, you can learn a lot about the different benefits that come with this coverage, The team can then give any support you need to build your next plan. 

Does Condo Insurance Cover Theft?

Condo insurance is meant to cover a variety of unfortunate events that could occur in your home. You may be comparing your condo insurance to the different homeowner’s insurance policies out there to determine what is covered. For example, will theft of your property be covered by your policy?

If you live in Virginia Beach, VA, you can count on Armor Insurance Group for the answers to questions about your policy. Here’s what you need to know about the theft.

Read Condo Insurance Policies Closely

It is important that you carefully read your condo insurance policies to have an accurate overview of the coverage you have. Some standard policies may include coverage for theft and damage to your items, but you need to know the extent of the value covered. You also need to know the limits on claims you can make as well as what your deductible looks like before coverage kicks in.

You should also keep in mind that the insurance coverage provided by your condo association is not going to cover your specific unit or your personal property. You should have your own policy to cover issues like theft.

Consider Personal Property Coverage

Your items are generally covered under personal property coverage, and this often includes items that are stolen. Personal property coverage is often part of a standard condo policy, but you should consider the value of the coverage your policy allows for. You may want to consider add-on coverage to protect appliances, electronics, furniture, and other valuable items.

You may not know exactly what kind of coverage you need to cover theft. Armor Insurance Group, which serves Virginia Beach, VA, can help you choose a condo insurance policy that provides protection for your personal property against theft.

How Much Can You Afford to Lose: Life Insurance Protection in Virginia Beach

Life is great in the Virginia Beach, VA area. The sun often shines in this pleasant coastal town that forms the intersection of Chesapeake Bay and the great Atlantic Ocean. It is the site of the first Jamestown colonists that traveled to the new world in search of freedom. There’s plenty to do and see and experience. 

But what happens when your time is up?

No one knows when they will die. No one really wants to think about it.

But isn’t the ultimate show of love for your family and loved ones to make sure they would be secure financially following your passing?

Armor Insurance Group serves the Virginia Beach VA area and they remind you that life insurance is not there for you; it’s there for those you love. Think about what you will leave to them if the unexpected happens sooner than you think.

How Much is Enough?

The question of how much life insurance you should carry should be your decision. Everyone’s life is different. Some people have many assets such as large homes, boats, and vehicles, while others live quite simply with fewer things.

Whatever the case, you don’t want your family to have to sell it all off because they have lost the income you provided or your bank account runs low.

The general idea by most insurers is that you should carry enough life insurance to cover:

  • The value of your home (including pay-off value)
  • Automobile and other vehicle value (including pay-off)
  • Other asset values like boats and recreational items
  • Final expenses and debt pay-off
  • A bit more coverage for unexpected bills following your death

Outside of that, you need a professional opinion from the seasoned professionals at Armor Insurance Group. They have been serving the Virginia Beach area for many years. Visit us to find out more about how you can leave your family the ultimate gift of love. 

Questions You Should Ask an Insurance Agent When Shopping For Auto Insurance

When it comes to choosing auto insurance, many car owners do not know how to make their choice. The most valuable source of information that you can use in order to make an informed decision is an insurance agent. Armor Insurance Group serving Virginia Beach, VA  and other nearby towns prepared a list of questions you should ask your insurance agent. 

What Exactly Is Covered If I Am Involved In a Car Accident And My Car Is Damaged? 

One of the most common misconceptions is that auto insurance will automatically pay for the repair and replacement of your vehicle in case of an accident. The truth is that without the right coverage, you will not have these benefits. To cover the repair and replacement of your car you will need to have collision coverage. 

How Do I Know That I Am Getting The Best Rates?

In order to make sure that you are offered the best rate, it is recommended to shop around. Most insurance companies have a free quote tool on their website, so you can input your information and get an idea of rates. You can also find an insurance brokerage firm that offers policies from several insurance companies to make sure that their clients receive the best rates. 

Are My Family Members Covered Under My Policy?

You may mistakenly believe that one car means one policy. However, if you are going to share your car with other family members, you need to get additional coverage to cover them. Your insurance agent will help you figure what type of additional coverage you need to buy and how much it will cost. 

Armor Insurance Group – We Help You Find a Perfect Policy 

If you are a resident of Virginia Beach, VA or any other nearby town, and you are currently shopping for auto insurance, our agency is ready to assist you. Our agents are experienced and knowledgeable professionals, who will provide you with the necessary information and answer all of your questions. Feel free to visit our website or give us a call. 

Things to Consider Before Getting Commercial Insurance

Having commercial insurance for your Virginia Beach, VA business is a safe way to protect your company from risks such as vandalism, theft, and lawsuits. In addition to this, getting the right insurance goes a long way in setting you up for success, helping you reach your milestones with ease. But how do you determine which policy suits your business? Armor Insurance group takes you through things to consider before getting your commercial insurance.

Consider Legal Requirements

While numerous commercial insurance policies are optional, some are mandatory. State laws often require businesses to carry workers’ compensation insurance and commercial auto policies for employee protection against injuries and property damage arising from an accident. In addition to this, landlords may also require you to have some form of liability policy, with the same going for your business partners. Due to this, make it a point to research legal obligations in your field before settling for any policy.

Learn About the Various Commercial Insurance Options

Commercial insurance comes with numerous coverage options, with some being business owner’s policy, property coverage, and commercial auto insurance. While some cover your employees, others will come in handy in paying for damage costs to your buildings when emergencies occur. Each option also caters to specific perils, with examples of these being fire, theft, hail, and vandalism. With these differences in mind, understanding each option’s features will be essential in helping you gauge which fits your business needs.

Understand Your Business’s Risks

Every business is different and will require policies suited to its specific operations. If, for instance, you operate an accounting firm, your company will likely need professional liability insurance, while a business like an IT company will need cyber liability insurance. Be on the lookout for specific risks that businesses in your industry often face to ensure you purchase the proper coverage.

For more information on commercial insurance within Virginia Beach, VA, call Armor Insurance Group today. Our agents will take you through our commercial policies and guide you to the proper coverage for your business.

Is Motorhome Insurance Cheaper if You Live in It?

Motorhomes can be your home away from home—or perhaps they are homes within and of themselves. And because it is like home, you want to keep it protected. Motorhomes fall into that gray area between auto insurance and homeowner’s insurance. It can be difficult to find the correct policy for your Motorhome is, especially if it is your home on wheels.

Here at Armor Insurance Group, serving Virginia Beach, VA, we can help you explore your coverage options. We can help you figure out the type of insurance that is best for your Motorhome if that is your primary residence. We want to make sure that your policy is the right kind of insurance plan for your Motorhome. And given that Motorhomes are large investments, we want to make sure your hard-earned comfort is protected.

Motorhome insurance can help you in the event of a disaster, damage, or an accident. Given that Motorhomes are more vulnerable to the elements than regular homes, it is important to know that there is a roof over your Motorhome in the event of an emergency. And you are covered in the event of an accident from being held liable for all charges. But what you may not know about Motorhome insurance is that it also protects your personal belongings on the inside, just like homeowner’s insurance.

To find out more about boat insurance or to find the right policy for you, please do not hesitate to contact us at Armor Insurance Group, serving Virginia Beach, VA. We are happy to answer any questions regarding Motorhome insurance you may have and help you explore the right coverage option for you.

Do you need to get RV insurance?

The Virginia Beach, VA area can be a very popular place to live in or visit. If you are coming to this area of Virginia and want to explore it as well as you can, getting your own RV can be a great option. Those that have an RV will have a safe and comfortable mode of transportation that is also a great place to relax at night. If you are going to purchase an RV here, you should also get insurance. There are a few reasons why you need to get RV insurance here.

Insurance is Required to Drive in State

A key reason that you will need to get an RV insurance plan is that it is required for you to drive when you are in this state. In Virginia, all vehicle owners need to make sure that they carry proper liability insurance. This includes RV owners. If you do not have this insurance, you will be breaking state law and could face a variety of penalties because of it. 

Insurance Protects Investment

You will also need to get an RV insurance plan as it can help to protect your investment. Anyone that chooses to buy an RV will want to be able to enjoy it for a long time. If you get RV insurance, you will have the coverage needed to repair or replace the asset in the future. 

As you are evaluating your RV insurance needs in the Virginia Beach, VA area, it would be wise for you to call the Armor Insurance Group. The insurance professionals with the Armor Insurance Group can offer you a lot of guidance that will help you choose a new insurance plan. This can help ensure that you are properly covered and protected at all times. 

Requirements for Buying Auto Insurance in Virginia

If you live in Virginia Beach, VA, and have bought a new car, you might be wondering what auto insurance requirements in the state are. Armor Insurance Group, a leading insurance agency in Virginia, understands this industry in detail and may provide some important insights that can help you make an appropriate decision to meet the minimum requirements. 

State Insurance Requirements

As you will see, two bodies regulate the requirements that you will have to fulfill before you can get an insurance cover in Virginia. The state government ranks the highest body and controls all the aspects of insurance in the state, and it is crucial to understand all its requirements. 

According to the state of Virginia, your insurance policy must meet the minimum requirements of covering bodily injury or death of one person amounting to $25,000, bodily injury and death of two or more people of $50,000, and property damage worth $20,000. If your auto insurance does not meet these basic requirements, the state may assume that you do not have a valid insurance policy. 

Insurance Company Requirements

Before insurance companies give you auto insurance in Virginia, they are also entitled to analyze various requirements to decide the premiums you will be paying. Your driving history will come into scrutiny in the entire process. Other important aspects checked include your driving experience, the driving age in the family, and any other relevant factor. 

If you are interested in getting auto insurance in Virginia Beach, VA, you’re likely to get overwhelmed by these requirements, especially if you’re a first-time buyer. As one of the most experienced agencies for insurance policies, Armor Insurance Group will guide you through the entire process and help you meet the necessary insurance requirements.