The state of Kansas has beautiful scenery that includes lakes and rivers. Bodies of water in Parsons, KS are only wholly enjoyable when you have a boat with which you can sail the waterways. You should not explore the great lakes of Kansas without boat insurance offered by indemnity companies such as Clemens Insurance Agency.

Here are three things you may be able to expect from a typical watercraft assurance policy. 

Liability Coverage
Personal liability insurance for your boat works in the same manner that car insurance operates. The average policy pays for your boat as well as another watercraft if you are in an accident in which you are the person at fault. Liability coverage can either repair or replace a damaged boat. This level of insurance may also pay for medical bills as well as lost wages and other costs associated with the accident. 

Medical Costs
Hospital bills can be expensive, which is why it is best to obtain assurance that covers medical payments in Parsons, KS. The best policy pays up to $10,000 for bills associated with health care. These expenses can include everything from prescription medications to tests for treatment. 

Physical Damage
Physical damage is the extra coverage that many auto owners would find in an indemnity plan with both comprehensive and collision policies. The incentive pays to repair your watercraft along with its motor if it is damaged. This plan also covers equipment that is attached to your boat if the vessel is lost or stolen. 

Clemens Insurance Agency is your ideal insurance company for boat insurance in Parsons, KS. Our friendly staff will help you select the plan that best suits your needs. Whether it is basic liability coverage or a complete indemnity plan, we can help you navigate the terrains of boat assurance. Contact us today for a quote.

If you are considering getting an umbrella insurance policy but you are not sure about how exactly it works, then it is important to learn the basics before moving forward. This can help you determine if it is the right move for you and your family. This is what you need to know about an umbrella insurance policy before you purchase one from Clemens Insurance Agency serving Parsons, KS. 

• It covers what your other policies cannot. When it comes to your auto and home insurance, it can only cover so much. If you have a home or vehicles that are more expensive than these policies can cover, then an umbrella policy is a great option because it can cover the excess. 
• It will not kick in unless your other policies have been exhausted. If you have an umbrella insurance policy in place for the reason stated above, it is important to know that it will not kick in until you have exhausted the liabilities and coverage of your other policies first. Once this has happened, you can begin to use your umbrella insurance policy. 
• It can cover other liabilities. Not only is it a good thing to have for home and vehicle coverage, but it can also provide liability coverage for things such as injuries on your property and even legal protection in terms of costs if you are sued for things such as slander or libel. 

If you think that an umbrella insurance policy may be the right option for you, be sure to reach out to us here at Clemens Insurance Agency, serving Parsons, KS. We can help you find the right policy to meet your needs and we can also make sure that it fits within your budget. 

Not all Parsons, KS businesses need to grow. The narrative regarding entrepreneurs is that the goal is to dominate an industry, but that’s not really necessary. In fact, it’s kind of silly that people think that every company wants to be the biggest company of its type. You don’t need to compete with Coca-Cola if you’re selling niche sodas. Coca-Cola doesn’t have a garlic flavored cream soft drink, but if that’s what your customers love, then that’s what your customers love.

The Growth of a Company

Your company can grow in ways that you didn’t plan and don’t expect. Maybe you want to keep making your hot sauce in a small factory, you don’t want to outsource to China or elsewhere. But, ever since you were featured on one of those food shows, you’ve been getting more orders than you can handle, so you hire temporary staff. Now you have to call Clemens Insurance Agency to talk about things that you never considered before, like worker’s comp and so on.

No matter what your plans may be, you can’t always expect them to play out exactly as you envisioned. On the upside, your business growing faster than you expected isn’t a bad problem to have.

Here’s what it comes down to: If something goes wrong, can you cover it out of pocket? If the answer is no, then that’s what insurance is for. If you find yourself in need of some extra coverage, then it may be time to call Clemens Insurance Agency in Parsons, KS and make sure that your commercial insurance policy reflects the needs of your business as it is now.

If you own an airplane of any size and are not sure of your insurance options and obligations, call or visit the expert agents at Clemens Insurance Agency in Parsons, KS. They are knowledgeable of all of the up to date aviation insurance requirements. Your plane needs to be insured while sitting on the ground as well as while in the air. You need to protect yourself against liability by having your passengers, if any, covered as well. Clemens Insurance Agency will answer all questions you may have regarding your aviation insurance.

Clemens will sit with you and explain all of the available options, and assist you in determining what is best needed for you and your plane. They offer an In-Flight insurance, which covers the plane while in the air, and a Ground Risk Hull insurance, motion and non-motion, which includes the aircraft while on the ground, in the hull, or during the taxi. There is the Public Liability insurance, which covers the property of others in cases of accidents, and the Passenger Liability insurance which covers all passengers while in flight or preparing to fly. 

There is also a plan that combines the public and passenger liability, and this is the Combined Single Limit. Let the experienced agents at Clemens help you with your aviation, and other insurance plans. They offer diversity, professionalism, and affordability. Clemens has an advisory service that will alert the customer if there are any changes or issues with their policy. Feel confident with the peace of mind in knowing that all of your insurance needs are met with Clemens Insurance Agency in Parsons, KS.