Why Do I Need Commercial Insurance?

When you have a business in Parsons, KS, you need to figure out how to protect it financially. This is why you need commercial insurance. What you need may vary dramatically from the business down the road, however.

Commercial insurance can be extremely vague, however. There are all sorts of coverage options that exist for business. Rather than being overwhelmed by the options, Clemens Insurance Agency can help.

One of the top reasons you need commercial insurance is to follow all of the necessary regulations within Kansas. For example, you will likely be required to have liability coverage. If you have a certain number of employees, you will also need to have worker’s compensation coverage in place. You will also need commercial auto insurance if you have vehicles out on the road.

Another reason you need commercial insurance is to protect yourself from financial ruin. Too many businesses want to “save money” by skimping on their insurance coverage. The problem with that is when there really is a disaster. Property insurance can protect your business against fires, floods, storms, vandalism, and more. Business interruption insurance can provide you with revenue when you are forced to close your business for a few days (or longer).

The reality is that you never know what’s going to happen with your business. You need to plan for the unexpected so that it isn’t your financial downfall. Not all businesses need the same level of coverage, so you have to figure out what’s needed and what’s desired.

Having the right commercial insurance policy in Parsons, KS can provide you with a lot of peace of mind. When you’re ready to start shopping for coverage, contact us at Clemens Insurance Agency. One of our independent insurance agents can talk to you about your business and begin recommending insurance products. 

What Are the Major Differences Between Liability and Full Coverage Auto Insurance?

At Clemens Insurance Agency, serving the greater Parsons, KS area, we are often asked about questions about auto insurance. We have found that many people are unsure of the differences between liability and full coverage auto insurance. Understanding the difference between these two is important, as it allows you to determine which option may be the better fit for you. Here are the major differences between liability and full coverage auto insurance. 

Liability Auto Insurance

Liability auto insurance is the cheapest type of auto insurance. When you are looking for basic auto insurance, or state minimum auto insurance, you are looking at liability insurance policies. Liability auto insurance only covers damage that you do should you hit someone else. The amount of coverage varies based on the coverage limits on your policy. This policy covers damage to another car you hit, the other car’s medical expenses, and property damage for accidents you cause. 

Full Coverage Auto Insurance

Full coverage auto insurance, sometimes called comprehensive coverage, not only covers damage that occurs when you hit someone else but also covers you and your car as well. If you hit someone, this type of policy will cover the damages done to your car and your medical expenses. This type of policy also covers things like theft and vandalism to your car. 

Are you in the market for a new auto insurance policy in the Parsons, KS area? Then turn to Clemens Insurance Agency. Whether you are looking for liability auto insurance or full coverage auto insurance, we can help you find the policy that is best suited for your needs. Call us now to get started. 

Should You Select Liability Only Insurance Once You Pay Off Your Financing?

If you are financing your automobile, you already know that the financing company requires you to carry full coverage auto insurance the entire time you are making your payments. Once you pay off your vehicle, you may wonder if you should continue to carry the same level of insurance or if you should downgrade to liability only. 

Changing Your Coverage

Once you pay off your vehicle, you may decide to decrease the amount of coverage you carry on your automobile. Only consider this option if your car is over ten years old, or you maintain your full coverage with less comprehensive coverage. Don’t leave yourself vulnerable to financial losses as a result of minimal auto insurance coverage. Before making your decision, consult your auto insurance agent and let them help you find the right options for your needs.

Industry Insight

Working with an insurance agent who has a great deal of industry insight will allow you to make better coverage choices. They can outline your options and help you avoid mistakes along the way. If you want to make the most out of your coverage, consider obtaining your coverage from Clemens Insurance Agency serving the residents in and around the Parsons, KS area. They will work with you one-on-one to help you navigate the coverage process and keep you protected in the future. 

If you are unsure about the level of coverage you need after you pay off your vehicle, you should speak with an agent at Clemens Insurance Agency serving the Parsons, KS area. Get the answers to your questions and begin getting the insurance products you need today. Call or stop by the office for more details. 

Ways to Keep Your Home’s Exterior Safer

You likely value your home’s curb appeal, and that’s great, but remember to focus on its safety appeal too. That is, be mindful of keeping your home’s exterior safe. Here are some ways to do just that, courtesy of Clemens Insurance Agency serving the Parsons, KS area.

Repair walkways and sidewalks

Make sure you keep the areas where people walk around outside your home safe. That includes sidewalks, walkways, steps, decks, patios, and driveways. Repair and maintain them as needed.

Install adequate lighting

You should install adequate lighting on all sides of the exterior of your home. Lights should be bright enough to allow people to safely move around even on the darkest night. Also, make sure all lights have working lightbulbs at all times.

Trim bushes and weeds

It’s surprising how much the things that grow around your home can affect safety, but they can create trip hazards or limit visibility where it is especially needed. So make sure you adequately trim bushes, shrubs, grass, and weeds.

Remove clutter

Items left around your home not only look unattractive and messy, but they can also create safety hazards. For example, people could trip over toys, bikes, and lawn equipment left outside. So pick up everything and keep it put away at all times.

Salt, sand, and shovel

Winter brings both snow and ice, and with that come safety hazards. So make sure you properly salt, sand, and shovel all walkways, driveways, porches, and any other spots where people need to step and walk.

These are just a few home exterior safety tips for you to implement around your home’s exterior. If you need more ideas or information about home insurance, feel free to contact Clemens Insurance Agency serving the Parsons, KS area.

How are motorcycle insurance premiums initially calculated?

There is usually time taken to calculate what determines your premiums for motorcycle insurance carefully. A vast array of scenarios and details are taken into account and processed by the professional team at Clemens Insurance Agency in Parsons, KS before motorcycle insurance specifics can be adequately distributed and a policy can be created.

The first, as follows, will be that of age. Older motorbike riders are paying far less than what younger riders will. This only makes natural sense as experienced riders tend to hold the upper hand and pay the lesser price both upfront and in the long run, given the fact that they’ve been "in the game" a bit longer. They know how the system works, and they’ve likely been paying insurance longer as well. 

Location

Also, believe it or not, annual insurance costs can significantly correlate with an address. Yes, where you live or have lived can play a huge role in all this. Those in busier, more traffic-loaded cities, for instance, can expect to pay a lot more. This is the same with those living in zip codes with high vehicle theft. Those who live in less at risk areas (rural or otherwise) will pay less.

Moreover, the motorcycle itself is a considerable predeterminer. It’s overall desirability, power, and especially cost, make the calculation. And more expensive bikes tend to demand more expensive insurance to cover costlier repairs or replacements. Clemens Insurance Agency, offering great insurance packages to Parsons, KS and more, is ready to lend amazing service. Let our experts teach you everything you need to know in the way of motorcycle insurance. We are proven experts with a desire to help. Contact us now. 

Tips for Preparing for Your Next Fishing Trip

If you’re new to fishing, you’re probably excited to head out onto the water and potentially reel in your largest catch yet. However, it isn’t that simple. You should contact Clemens Insurance Agency, serving Parsons, KS and the surrounding area, to get your insurance situated before you go on your trip as well as pack your boat accordingly.

Extra Clothing

It’s possible that you’ll get wet or muddy. Obviously, you don’t want to sit miserably while you’re supposed to be on an enjoyable trip. Therefore, you should pack at least one extra pair of clothing. Bringing a hoodie and a pair of warm pants isn’t a bad idea if you’re going fishing during a time when the weather is unpredictable or will eventually get chilly.  

Rain gear

You never know what’s going to happen when you’re on the water. You could go out on the water and it starts raining. Rather than sit in the rain, you can protect your clothing and keep dry with rain gear. 

Extra Water and Snacks 

While you probably already thought about packing food and water for your trip, you might not have considered you should pack extra. If something should happen while you’re on the water, you don’t want to get stuck without enough food or water. 

Fishing License and Boat Insurance and Registration

You never know exactly what will happen when you’re on the water. You could run into the game warden who wants to see your fishing license. On the other hand, you could get into an accident on the water and need to have your insurance information to exchange with another boater.  

Contact Clemens Insurance Agency, serving Parsons, KS and the surrounding region, to get a boat insurance policy before you go on your next fishing trip by calling 620-421-9999.

Umbrella Insurance: What Does It Really Cover?

If you have significant financial investments, a business, or a family you are trying to protect, having umbrella insurance can be the way to go. This kind of insurance covers claims above and beyond what your other insurance policies protect you for. It does not cover everything that could go wrong, but there are different options to consider when choosing this kind of policy and the level of coverage you are looking for. When you work with Clemens Insurance Agency for your Parsons, KS needs, you can get an umbrella policy that covers what you need so you can have better peace of mind.

Umbrella insurance can cover a multitude of different issues in life. But the key to this kind of coverage is that it takes effect after the original policy has been exhausted. This helps insure that you will have higher coverage levels than you may be able to get with a typical policy, so you do not end up in a problem because of a claim that was higher than expected. This can be a smart choice for someone who has significant assets, but it also works for people who have a bit less. Working with a good agent can help you choose what is right for you and what will protect you and meet your needs.

Your life in the Parsons, KS area is an important one, and by reaching out to the Clemens Insurance Agency today, you can learn about the coverage options you have with umbrella insurance. Then you will be able to select a policy that is right for you or modify a policy you already have to better fit your needs. The peace of mind you will receive this way is a vital part of enjoying life in this beautiful area of the country.

3 Tips for Buying Commercial Insurance in Kansas

Do you own a business in Parsons, KS?

Are you worried about what would happen if it was destroyed by a natural disaster, or if someone was seriously injured on the job? With the right commercial insurance policies, these concerns can be eliminated.

The fact is, owning a business comes with a wide array of potential liabilities. As a result, you have to do everything you can to prevent issues – this starts with purchasing the right commercial insurance policies with the help of Clemens Insurance Agency. Keep reading for some tips to help make this process a bit easier.

1. Compare Quotes

One of the first things you need to do when trying to purchase a commercial insurance policy is to compare quotes. The good news is, getting quotes online is now easier than ever. Be sure you don’t skip this important first step as it will help you understand and get to know the different options that are available to you.

2. Bundle Your Policies

Do you currently have other insurance policies? If so, it may be a good idea to consider bundling them. The fact is, when you do this, it can help you save a significant amount of money. In fact, some people have saved hundreds of dollars on their premiums each year just by bundling. Be sure to find out if this is a possibility.

3. Use a Reputable Agent

Perhaps the best thing you can do to get the commercial policies you need is to find and use a reputable agent. The fact is, these individuals know the inner workings of the insurance world and can help you get the deal you want and need for your commercial policies.

If you have more questions about buying commercial insurance, reach out to Clemens Insurance Agency serving the Parsons, KS area. 

What is aviation insurance?

There is no way that you can own an airplane without at least hearing about aircraft insurance. You, however, may be one of those people living in Parsons, KS who believes that insurance is not necessary. It is not as if there are a thousand planes in the air at one time as with automobiles on the road. Wouldn’t insurance be a waste of money in this instance? A Clemens Insurance Agency representative can definitely testify that aircraft insurance is anything but a waste of time and resources. 

What is Aviation Insurance?

By definition, aviation insurance is an indemnity policy that provides financial coverage for aircraft. There are various policies for different plane types, which include coverage for: 

  • Standard Planes
  • Experimental Aircraft
  • Vintage Airplanes
  • Seaplanes

Your price quote will depend on many factors that include the type of plane you own as well as how often you plan to use the aircraft and for what purpose the form of transportation will be used. 

Why is Aviation Insurance Necessary?

You need aviation insurance even if you do not own an airplane. A standard commercial insurance policy does not typically provide coverage if a lawsuit arises due to technician mistakes. You could find yourself paying thousands if you own an aviation repair shop and accidentally ruin someone’s aircraft all while lacking an indemnity policy that pays for damages. An aviation assurance policy is, therefore, more of a necessity and less of an option. 

Your reasons for seeking an aviation assurance policy as an aircraft owner should be for the same purpose that you would buy a car insurance plan. You would never drive your vehicle around town in Parsons, KS without proper financial coverage to pay for mishaps. Why would you fly a plane that costs three times more than your car with no coverage?

Clemens Insurance Agency can explain the ins and outs of aviation insurance. Call today for a quote!

Should You Add Your Teen Driver To Your Insurance?

One of the milestones of growing up for most teens is getting their driver’s license. Along with the license also comes questions about insurance coverage. Teens pose certain risks that more experienced drivers don’t. If you are a parent or guardian of a teen driver, you may be wondering if you should add them to your existing coverage.

Adding Teen Drivers To Existing Coverage

If you have a policy in place and decide to add your teen driver to your policy, you should be aware that they may cause your policy premiums to increase significantly. You may want to consider getting them their own policy, especially if they plan to cover their insurance costs. This will prevent your insurance from increasing, especially if they file a claim for an accident that was their fault. Consult your insurance agent for prices and additional information about teen drivers and the risks they pose to existing adult coverage. 

Finding The Right Coverage For Teens

Teen drivers need dependable coverage that is going to protect them from potential accidents, and other hazards that being a new driver can pose. If you are looking for complete coverage for your teen driver and live in or around the Parsons, KS area, you should contact Clemens Insurance Agency. They have knowledgeable agents who can help you get the right type and amount of coverage to protect your teen drivers.  

Don’t let your teen driver on the road without the right coverage. If you have questions about insurance and adding drivers to existing policies, you should call or stop by Clemens Insurance Agency. We provide excellent coverage for people living in the Parsons, KS area and beyond.