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What Kinds of Insurance Policies Should I Have?

Posted by Shannon Arno on Sep 7, 2017 9:24:00 AM
What Kinds of Insurance Policies Should I Have?

Besides health and life insurance, there are plenty of other insurance policies that can benefit you in the long run.

As you know, unexpected events can happen in a flash, leaving you in a difficult position with little to no financial support.

However, with the right coverage tailored to your needs, you can enjoy peace of mind knowing that you’re covered, no matter the weather.

Personal Insurance Policies

If you’re shopping for you or your family, it is important to protect your property, even if it is an old scooter from your glory days in college.

The reality is that you have made significant investments in your life, some that you may have used your hard earned money to obtain. Make sure you’re covered and sign up for the right coverage based on your needs.

If you own a vehicle, there’s a good chance it warrants some type of insurance coverage.

Many vehicles carry a similar policy to a car but, just as auto coverage requirements vary by state, the coverage varies per vehicle. As your requirements change, the cost can be significantly different, as well, so it is important to find the right plan for you and your needs.

To make sure that you’re never left on the side of the road (literally and figuratively), consider these policies for the rides you own:

Depending on your living situation (home, apartment, your friend’s basement), you most likely need coverage to insure your dwelling and the possessions inside of them. Whether you own or rent, you still have a lot to lose if major damage has been sustained.

For help, you can turn to the following coverage types to protect your property:

Worried about other expenses that may go above and beyond the coverage limits of your current plan? You can turn to Umbrella coverage to pick up what your plan doesn’t.

Business Insurance Policies

Running a business comes with a lot of risk. Break-ins, employee incidents, lawsuits, all of these scenarios can cost your business dearly.

To protect your company from a significant loss, you may want to consider the following liability insurance types:

  • General Liability
  • Professional Liability
  • Employment Practices Liability
  • Directors and Officers Liability

Outside of liability insurance, there’s a lot more that you can stand to lose. From your property to your customer data, these can all be covered depending on your insurance policies.

For more comprehensive cover for your business, you may want to look into insurance policies that cover:

  • Property
  • Inland Marine
  • Workers Comp
  • Commercial Auto
  • Data Breach
  • Bonds

Much like personal insurance, businesses also have access to Umbrella coverage to pick up any additional costs that are not included in your other plans.

Looking to protect your personal or business assets and beyond? Work with one of JM Insurance Services' independent agents to find you the right coverage for the right price today!

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Topics: personal insurance, insurance policies, business insurance

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