Beauty Salon Insurance in Cincinnati

September 28th, 2011

Do you own a Beauty Salon? If so you need to contact us for your small business insurance needs as we have a specific program for Beauty Salon Insurance in Ohio. Call 513-662-7000 and speak with one of our insurance representatives and we can provide you the best insurance for beauty salons in Cincinnati. Insurance for salons and spas is available in all 50 states through our insurance company referral network. Call 1-800-998-0662 for quotes on beauty salon insurance.

Hair Salon Insurance CincinnatiWhat type of Insurance Is Necessary for a Beauty Salon?

It depends on a number of factors including whether or not you lease or own the building in which your beauty salon is located. Also what type of services do you provide? A typical beauty salon may offer only styling, cutting, coloring, hair trimming an application of “Perms.” Other beauty salons may also offer manicures, cosmetic consulting, massage, tanning and permanent hair removal. So depending upon the services you offer will dictate what insurance is best for your beauty salon.

Specific Insurance for Beauty Salons That May Be Purchased

  • General Liability Insurance For Beauty Salons – Coverage for injuries or property damage to customers.
  • Products Liability Insurance For Beauty Salons – If you sell products to customers this coverage is a must.
  • Professional Liability Insurance for Beauty Salons – If you are held liable because of a bad haircut, perm, or the transmission of disease, or lice!
  • Crime Coverage for Beauty Salons – Coverage that protects your business from a variety of criminal activity and may include employee theft.
  • Inland Marine – This coverage provides off premises coverage for your beauty salon equipment.
  • Group Health Insurance for Beauty Salons – Independent contractors would not be eligible for group health insurance, but employees of your beauty salon would be eligible. Offering group health insurance in Ohio to retain valuable personnel makes good business sense in most instances. Click here for more information about group health insurance in Cincinnati.
  • Group Disability and Life Insurance – Group disability insurance and group life insurance in Cincinnati is employee benefit that can help you to retain key employees.

Call 513-662-7000 for the Best Rates on Beauty Salon Insurance in Ohio

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Liability Insurance for HVAC Business in Cincinnati

September 27th, 2011

HVAC Insurance CincinnatiAre you a HVAC contractor looking for commercial liability insurance in Cincinnati? Please call 513-662-7000 and speak with one of our licensed insurance professionals. We provide liability insurance for HVAC contractors in Ohio, Kentucky, and Indiana. Need a quote in any other state? Call to be referred to agents offering the lowest rates on insurance for HVAC business.

 

What Kind of Insurance for HVAC Business Is Necessary?

There are a number of different exposures that your business faces and some of the types of commercial insurance that your business may need are as follows:

  • Commercial Liability Insurance for HVAC – This specific coverage protects your business from property damage or bodily injury that your business becomes liable for. For instance, let’s assume that your company installs a new furnace and air conditioning unit and your employee improperly installs the HVAC unit resulting in a fire that burns your customer’s house down. Assuming that you have not excluded products and completed operations coverage from your HVAC business insurance policy, damage to the home may be covered. (Damage to the HVAC unit will likely not be covered.)
  • Commercial Automobile Insurance – Purchasing commercial automobile insurance may be necessary for your HVAC business. The reason why is because of a specific exclusion in the personal automobile insurance policy that prohibits business usage of vehicles. It is possible to package your commercial automobile insurance with your Ohio HVAC insurance policy.
  • Inland Marine – This coverage complements your HVAC liability insurance plan as it provides coverage for tools, ladders, and other equipment that you own or rent, including materials that are transported to numerous job sites. Your business is best protected when you purchase this coverage.
  • Group Health Insurance – Retaining your best employees often requires offering benefits to your workforce. Many small businesses offer group health insurance in Cincinnati to retain valuable personnel. Click here for more information about group health insurance in Cincinnati.
  • Disability Insurance – Group disability insurance in Cincinnati can be offered on a short-term and long-term basis.

Call 513-662-7000 for the Best Rates on HVAC Insurance in Ohio

 

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Hartford Insurance Announces An Updated Ohio Homeowners Insurance Package

September 26th, 2011

Are you looking for insurance from Hartford Insurance in Cincinnati? Call our independent insurance agency in 513-662-7000 to receive the best rates from Hartford Insurance, or click here for instant online rate quote from Hartford Insurance in Ohio.

Besides extremely competitive commercial insurance in Cincinnati, The Hartford also offers a broad variety of low cost homeowners insurance in Cincinnati + automobile, and umbrella insurance.

New Ohio Homeowner’s Insurance Policy from Hartford Insurance 

A brand new homeowner’s insurance policy in Cincinnati is available through Hartford insurance called Home Advantage and Home Advantage Plus. Please note some of the new features of this homeowner’s insurance policy available through Hartford Insurance in Ohio.

The Hartford ID Restore Services, Green Rebuilding Coverage, Equipment Protection Advantage Coverage, Valuable Items Blanket Coverage, and One Deductible (applies only when written on the Auto with Home).

The Hartford ID Restore – The hardest part of dealing with an identity theft situation can be determining how to get started on restoring or protecting your identity. Customers of The Hartford receive free, unlimited access to The Hartford ID Hotline, and Identity Theft 911’s Resolution Center, where qualified fraud specialists will provide personal, one-on-one attention to questions or concerns about identity theft, fraud or the safety of your personal information. Identity Theft 911’s Fraud Specialists will help you take proactive steps to avoid becoming a victim of identity theft, or take you through the recovery process step by step and restore your peace of mind.

Green Rebuilding Coverage — Offers additional coverage for using environmentally-friendly materials or processes to make repairs after a covered loss or making necessary replacements with more energy-efficient or environmentally-friendly property.

Equipment Protection Advantage Coverage – For the repair or replacement of appliances, electronics and systems in your home that are subject to mechanical or electrical breakdown.

Valuable Items Blanket Coverage – Our Blanket Coverage is an easier way to protect higher-valued possessions without the added paperwork of scheduling or appraisals. Total available limits range from $10,000 to $50,000 depending on the category of valuables, including jewelry, watches, furs, silverware, fine arts, cameras, computers, musical instruments, china and crystal, and firearms. The maximum limit is $10,000 per item.

Call Pathway Insurance at 513-662-7000 for Insurance in Cincinnati

 

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Posted in Automobile Insurance in Cincinnati, Home owners insurance, Independent Insurance Agency, Insurance companies in Cincinnati, Shopping for insurance on the internet, Umbrella Insurance, Why Choose our Cincinnati Insurance Agency? | No Comments »

The Best Insurance Rates in Cincinnati Come from Independent Insurance Agents.

September 25th, 2011

The best auto and homeowners insurance rates in Cincinnati come from independent insurance agents. Call 513-662-7000 to receive a rate comparison or you can receive an online Cincinnati insurance quote by clicking here.

Why Did I Get a Rate Increase on My Insurance in Cincinnati? 

There isn’t a single insurance company in Cincinnati that could ever guarantee that they would never raise your rates on car or homeowners insurance. The reason why they would never make this promise to you as their policyholder is because they know they are going to raise your premium rates at some point in the future! That is a rock solid guarantee. (If an insurance agent in Cincinnati promises you that they won’t raise your rates, they are misleading you.)

Ok, I Played This Song before I Know I’m Going to Get a Rate Increase on My Insurance in Cincinnati. What Can I Do? 

The first thing that some people do when they get a rate increase on their insurance in Cincinnati is to call their agent and complain about the rate increase. If your agent is a captive insurance agent the only thing they can do in most cases is to recommend that you raise your deductible or eliminate coverage. (Such as going from full coverage to liability only on your car insurance.)

Captive Insurance Agents Cannot Shop around for New Insurance for You. 

A captive insurance agent is legally handcuffed by his insurance company. Even if he wanted to try to find a lower price for you, he is forbidden by his company to shop around for new rates with other companies.* (If an insurance agent is a captive agent and it is discovered that he is selling insurance through other companies that are not authorized they can be terminated by that company.)

You Only Have One Choice If You Get a Rate Increase on Your Insurance in Cincinnati and Your Agent Can’t Shop the Market for You. 

Even if you really like your insurance agent, but he sells insurance through a captive company he cannot shop the market for you. So you either need to pay the higher insurance premium, or you take your business elsewhere. That’s a big disadvantage to you as the insurance buyer.

It takes time and effort to shop around for insurance in Cincinnati. There are more than 500 different insurance companies that sell insurance in Ohio. How long would that take you to get 500 different insurance quotes? Trust me it would not be worth your time.

An Independent Insurance Agency in Cincinnati Can Shop the Market for Their Clients 

If you have your insurance with an independent insurance agency in Cincinnati, they can shop the market for you. While it is true that not all independent insurance agents shop around for their clients when they get a rate increase, our agency guarantees that we will shop around for you when you request a new quote.

 

 

*Full Disclosure: Some captive insurance companies allow their agents to sell products through other companies that they do not offer themselves, for instance if the company doesn’t sell health insurance they may allow their agents to sell health insurance through one of their recommended companies.

 

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Boat Insurance in Cincinnati

September 24th, 2011

Are you looking for boat insurance in Ohio? Boat owners insurance in Cincinnati can be purchased as a separate insurance policy. Call 513-662-7000 to receive the best prices on Boat insurance in Ohio, Kentucky, or Indiana. We represent many top rated insurance companies for watercraft insurance in Ohio.

Is Boat Insurance Required in Ohio? 

It is not required by Ohio state law but it may be required if you obtain financing for your watercraft from your bank or finance company. It is an excellent idea to purchase boat insurance in Ohio due to the fact that you may be found legally responsible for injuries or property damage occurring due to boating accidents in Ohio.

What Is Covered on Boat Insurance Policies in Ohio? 

Personal watercraft policies in Ohio might include liability, uninsured boater’s coverage medical payments, physical damage coverage to the boat, motors, and trailer.

Will My Ohio Homeowners Insurance Cover My Boat? 

Great question, it really depends on the horsepower and length of your boat. In some cases a home insurance policy in Ohio will provide no more than $1,000 -$1,500 for physical damage coverage to the boat and liability coverage is restricted to boats that are 25 horse power or less and sailing vessels with or without auxiliary power less than 26 feet.

You need to check your homeowner’s insurance policy to determine if boats are covered for exact detail.

Lowest Price on Boat Insurance in Ohio Is Available Now 

The best place to purchase boat insurance in Ohio is from an independent insurance agency. The reason why is because independent insurance agents in Cincinnati are not restricted to one insurance company, they can shop for the best rates on watercraft insurance from a number of insurance companies.

Call Pathway Insurance at 513-662-7000 for the Best Boat Insurance Coverage in Ohio

 

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