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.

Why do I need boat insurance in Virginia?

Those that are in the Virginia Beach, VA area should look for ways to enjoy the area as much as possible. One way that you can enjoy this area of Virginia to its fullest is by purchasing and investing in your own boat. If you do decide to purchase a boat here, you also should get insurance for it. There continues to be several important reasons to get a boat insurance policy when you are here. 

Insurance Gives Liability Coverage

A primary reason people need to have coverage for their boat is that it will give liability protection. If you are going to drive a boat and cause an accident, you will have to pay for the resulting damages. Since these can be expensive, you will want to have proper coverage. Fortunately, with a boat insurance policy, you will get the appropriate protection to offset this risk.

Insurance Often Required

Having boat insurance is often a requirement for owners. Anyone that has a boat loan will need to have insurance that complies with their loan agreement. Further, many local marinas and waterways will have specific boat insurance requirements that have to be met. If you do not have the right coverage, you could be in default with both of these agreements. 

As you start shopping for a new boat or boat insurance policy in the Virginia Beach, VA area, you should call the team at Armor Insurance Group. It can be very complicated to fully understand what your personal boat insurance needs are. However, the team at Armor Insurance Group can make it easier for you. The team here will help you assess your individual risks and then choose a policy that mitigates them while providing you with the right coverage for your situation. 

Why Umbrella Insurance Is An Asset During The Winter Season

Based in Virginia Beach, VA, Armor Insurance Group proudly serves the community by offering multiple types of insurance policies. For over 50 years, we have helped our clients find the policies they need to plan for the future. Our primary goal is to inform our clients so that they can make the best decision for their situation.

Why Umbrella Insurance Is An Asset During The Winter

Umbrella insurance provides an extra layer of security during potential disasters. If you find yourself in a potential liability dispute due to someone getting injured at your home or being involved in an accident, umbrella insurance will protect you. The policy is an asset during winters in Virginia Beach, VA when you have to deal with more risks and the potential of a liability dispute rises.

You can add umbrella coverage to your auto policy. During the harshest parts of the winter, the driving conditions on the road are extremely dangerous. It only takes a split second for you to possibly be involved in a serious auto accident. If you are held liable for the collision, umbrella insurance will cover you.

If you are a small business owner in the area, umbrella insurance could help you protect the future of your business. If a patron falls and injures themselves on your property, the foundation of your business may be in jeopardy. However, umbrella insurance gives your business a safety net while you handle the potential liability situation. If someone gets hurt while they are at your home, umbrella coverage will protect you.

Umbrella insurance will also protect you against the potential risks of melting snow. If the melting snow falls off the roof or side of your home, it has the potential to cause serious damages. However, umbrella insurance provides a safety net to protect you.

Armor Insurance Group Will Help You Plan For The Future

For more information on umbrella insurance, visit our website today!

Why do I need flood insurance in Virginia Beach?

The Virginia Beach, VA area continues to be a very popular place for people to live in or visit. When you come to this area of Virginia, you could also find that this is a great place to own a home. If you do own a property here, you should spend time considering all of your insurance needs. One form of insurance that may be needed to protect your home is a flood insurance policy. 

Required by Lender

One reason that you may need to get flood insurance in this area is if it is a mortgage lender requirement. The risk of flood damage is something that all mortgage lenders take very seriously. Due to this, they will want those that live in high-risk zones to carry flood coverage at all times. If you are located in a high-risk zone, there is a good chance that the lender will require you to carry flood insurance at all times. 

Gives Proper Coverage to Protect Home

A key reason that you should get a flood insurance policy is that it will give you full coverage to protect your home. If your home is damaged by a flood, the costs to remediate can be significant. If you want to ensure that you are fully and properly covered, you need to get a flood insurance policy as it will cover you for flood damages you incur. 

If you are a property owner in the Virginia Beach, VA area, it will continue to be very important that you get proper insurance protection for your home. If you would like a flood insurance policy here, you should speak with the team at Armor Insurance Group. If you do call Armor Insurance Group, you can receive the guidance you need to choose a quality policy. 

Three Reasons Condo Insurance in VA Is Essential

A master insurance policy covers the building and common areas such as the lobby and parking lot. However, condo owners must purchase condominium insurance to protect assets within their unit. Discuss the types of condo insurance that would benefit you with an Armor Insurance Group agent in Virginia Beach, VA. 

What Is Condo Insurance?

Condo insurance protects your personal dwelling. You own not just the space inside the four walls but also the responsibility for anything that happens there. Getting the right insurance policy protects you from financial loss in the case of a covered event. A typical master policy, which you help pay for through homeowners association fees, covers the roof and siding, common areas such as pools, elevators, and hallways. You need a separate policy for your condo.

Protect Your Belongings and Furniture

Covered events often include theft, fire, and accidents that affect your condo. If someone breaks in and steals electronics, jewelry, and furniture, you could end up paying out of pocket if you fail to purchase condo insurance. To prepare for covered events beyond your control, purchase condo insurance that will reimburse you for damaged or destroyed belongings. 

Protect Your Family Against Liability 

It’s fun to have people visit your home. However, if a guest slips and falls inside your unit, you may be responsible for their medical bills. Carefully review the policy you choose so you understand your liability coverage. 

Protect Your Pet

If your pet gets out of the condo and bites someone, many condo insurance policies will cover the damages. Discuss this possibility with your Armor Insurance Group agent and choose the right policy for your family and pet. 

Schedule an appointment with Armor Insurance Group in Virginia Beach, VA for a free quote on condo insurance today.

Why Do I Need Life Insurance If I Am Single?

Many people start thinking about getting life insurance only after they get married and have kids. This makes sense because life insurance is a guarantee that your dependents will have financial security after your death. However, even if you are still single, there are some reasons why you should consider getting life insurance: 

Covering Funeral Costs

A traditional funeral ceremony can cost up to $10,000. Therefore, instead of leaving such high expenses to your family members, it is better to get a life insurance policy that will cover them. 

Life Insurance is Cheaper When You Are Younger

One of the factors determining life insurance costs is your age. The younger you are, the less you pay. Therefore, if you are young and single, it may be a perfect time to buy life insurance instead of waiting until you get married and older. 

Covering Your Debts

If you have a student loan, for example, you already belong to the category of people who need life insurance. Many loan servicers assign student loan debts to surviving family members after the person’s death.  If you do not want to leave your heirs with a financial burden, getting life insurance is definitely the right decision. 

Taking Care of Beloved Ones

Even if you are single, it does not mean that you do not have other family members, who will suffer financially after your death. Think about your parents, siblings, and nephews. What if your parents will need help with retirement? Or your sibling will struggle due to a disability or illness? All these scenarios can become reality. Think about that when you are deciding on life insurance.

If you have decided to buy a life insurance policy and you are looking for a reliable life insurance agency, Armor Insurance Group serving Virginia Beach, VA is ready to help you find a policy you need. Do not hesitate to call Armor Insurance Group to talk to one of its experienced and knowledgable agents. 

How Much Commercial Insurance Does An Online-Only Business Need?

If you’re running an online-only business in Virginia Beach, VA, you don’t need to worry about insuring your commercial property, and you probably don’t have much equipment to insure. As long as you call your home insurance agent and let them know that you’re running a home business, you’re probably already covered.

But that doesn’t mean that you don’t need any insurance whatsoever.

The big concern in commercial insurance is a liability, and that applies to all of us. Whether you’re running an amusement park or selling hair ties on your eCommerce website, you’re going to be inviting some liability.

And that applies to companies that only sell digital products and services, as well. If you sell apps through your own website and someone hacks into your database to steal your customers’ financial information, that could land a very expensive lawsuit in your lap. There are stories of apps and platforms that leave users open to cyberattacks, and, again, that puts liability on the shoulders of the person who created the app or platform.

If you run a small Etsy or eBay shop, the site has some liability insurance in place and will generally bear the brunt of any legal repercussions, for the most part. There are some exceptions, and if you run a large shop on any of these platforms, you’ll want to consider buying liability insurance.

Ultimately, every business, if the owner depends on it for their income, would be well-advised to carry liability insurance. If you run an online-only business you may be inviting less risk than someone who runs a restaurant or a book store, but you are still inviting some risk into your life by running a business at all. 

If you’re still shopping around for insurance for your Virginia Beach, VA business, visit the Armor Insurance Group or call Armor Insurance Group on the phone to get the protection your business needs.

Motor Home Insurance Considerations For a Cross Country Trip.

Do you enjoy your motor home in the beautiful Virginia Beach, VA area but yearn to travel further? Are you planning a cross country or multi-state trip soon so see what the rest of the Eastern Seaboard has to offer or even the Western coast? At Armor Insurance Group we know how appealing the call of the open road and new vistas every day can be. We hope you go on your trip soon, and we offer some insurance tips and considerations for your trip as you plan. 

Cross Country Trip Motor Home Insurance Considerations:

  • Insurance requirements vary across each state in the U.S. And many people are concerned that they may not have enough coverage as the venture through them. The good news is that if you are in a state where the minimum requirements are more than the state you bought insurance in, it typically changes to match it. There are restrictions, but this is a policy that is practiced across the board for the simplicity of travel across our nation. 
  • If you own your motor home and only have minimum coverage, you may want to increase before your trip. Driving for long distances presents an increased risk and this is the best time to have maximum coverage. 
  • A service like triple AAA roadside assistance is nationwide. You will never need it more than when you are in new area miles and miles from home be sure to update this service before you leave. 
  • Prevention is cheaper and more convenient than problem-solving on the fly so if you know the water heater or some other element will need repairs shortly you will be a happier camper if you do them before you leave with your resources from home. 

Armor Insurance Group serves Virginia Beach, VA with premium insurance services. If you are planning a big trip in the future we will happy to help you with all of your insurance needs. Remember to ask about home insurance for your primary residence while you are on your journey. 

Helping You Understand Your RV Insurance Policy In VA

Virginia Beach, VA is a hotspot for many of the 9 million RVs that circle the United States. People flock to the area for months at a time to enjoy the wonderful landscape and perfect summer temperatures. With all of that RV movement, there is a good chance that some of them will experience an accident or some other kind of damage. It will be imperative for you as an RV owner to have the right insurance policy.

Understanding Your RV Insurance Policy

The last thing you want to happen is for your vacation or travels to be cut short because your insurance does not cover the damage to your RV in Virginia Beach, VA. Here are some parts of the policy that you will want to think about. 

  • VA requires all motor vehicles to have insurance. The RV is no exception to that rule. Avoid fines and potential court time by having the right insurance.
  • Break downs in an RV require a specialized kind of help. Your RV policy can be endorsed with roadside assistance. Your agent will be able to help send the right kind of help should you break down on the side of the road.
  • An RV is a personalized vehicle. Most of the add-ons will require special coverage in order to be protected from damage. If this kind of converge is missing from your policy, then your RV will be restored to factory condition.

Let us at Armor Insurance Group help you with your RV insurance needs. You will need the right kind of help to get the best policy to protect your RV. Call us today and let us help you start off the season with an insurance consultation. We can get you’re the coverages you need to enjoy the summer season with no worries.