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. 

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. 

Tips to Maximize Your Commercial Insurance

Commercial insurance is indispensable for business, whether big or small. If you have a business in Virginia Beach, VA, Armor Insurance Group is your ideal partner for commercial insurance. You’ll get some of the best coverages in the market and a great team ready to provide exceptional services. 

It would help to know more about how you can maximize commercial insurance. Here are some of the workable tips you might want to consider. 

Have a Close Working Relationship With Your Agent 

Armor Insurance Group has a team of professionals that can provide you with invaluable advice on the policy you’re taking. You’ll get essential insights on how you can protect your enterprise from unanticipated disasters. Keep the agent informed on any changes or major occurrences in your business that can affect the policy. 

Correct Worker Classification

The premiums you pay depend mainly on your workers’ classifications. If you have workers classified wrongly, you might not get the best out of your commercial insurance. Besides, it would mean that you’re incurring a higher amount for the premiums, which you’d save with the right classification. 

Employee Training 

Employee training is a great way to ensure that workers are performing their duties as required. The right training helps workers to reduce their chances of sustaining on-job injuries. Your premium might reduce considerably for performing the training. 

When you visit your insurer, ask about employee training and the impacts it has on your cover. You’ll be in a better place to know how to go about maximizing your commercial insurance while still saving costs. 

If you’re a business owner in Virginia Beach, VA, looking for commercial insurance, Armor Insurance Group can walk with you. Our team of qualified professionals will guide you on ways to get the best out of your policy. Get in touch today to get your business fully protected.

How Much Class A Motorhome Insurance Do You Need?

Motorhome insurance, commonly known as RV insurance, can be somewhat confusing. Since not everyone has a motorhome, the insurance requirements that pertain to them aren’t common knowledge. If you’re interested in learning more about the insurance requirements for anyone who owns an RV in Virginia Beach, VA, you should look at the website for Armor Insurance Group.

The issue is compounded by the fact that insurance requirements differ from state to state. You might wonder how much Class A Motorhome insurance you need in the state of Virginia, for example.

You might be relieved to know that Virginia does not require people to buy either car insurance or motorhome insurance. However, this does come with a caveat. If you are financing the purchase of your RV (borrowing money to buy it), it is very likely that your lender is going to require you to purchase motorhome coverage before they approve your financing. However, outside of this situation, you are free to simply pay the Uninsured Motorist fee to the DMV and then drive the RV without motorhome insurance.

If you do need motorhome insurance, how much you will need depends on a few factors. A Class A RV is going to be the most expensive to insure. Insurance companies are also going to consider your driving history and past claims, as well as how often you use your RV. In addition, you may opt to add extra coverage, as well as other drivers on your policy. You can also choose what limits to set on your motorhome insurance policy, as well as specific deductible amounts.

If you want to know more about motorhome insurance in Virginia Beach, VA, you should feel free to contact Armor Insurance Group at your earliest convenience.