Is It Time To Upgrade Your Commercial Insurance?

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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.

The Friendly Skies Are Friendlier When Your Aircraft Is Insured By Clemens

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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.

How Much Auto Insurance Do You Need?

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Auto insurance in Parsons, KS is tricky, and sometimes you may find yourself having too much or too little coverage. How much assurance you need depends on factors including state laws and lifestyle choices. Clemens Insurance Agency can help you finalize the details of your auto insurance policy. Here are three things to consider when determining how much coverage you may need. 

Minimum Coverage

Practically every state in the country requires car owners to have at least liability insurance. In general, the bare minimum for individual medical expenses is $15,000 per person. The lowest amount of coverage for car repairs is usually $5,000, which is not much when you consider that the average new car costs upwards of $25,000. You could find yourself financially responsible if your insurance payouts are not enough to completely cover all expenses during an at-fault accident. It is, therefore, best to obtain coverage that equals the value of your assets.

Deductibles

The highest deductible lowers your monthly payments. Cheaper deductibles cost more every month, but the result of paying more over time may be beneficial in the instance of an accident. Imagine only having to pay $250 when an incident occurs instead of $1,000 in significant damages and repairs by their insurance companies. Less out-of-pocket expenses could relieve pressure during crises. 

No-fault Insurance

The state of Kansas requires its drivers to obtain no-fault insurance that pays out regardless of who is responsible for the accident. This form of coverage also limits your ability to sue and be sued when payouts fall short, and expenses remain. Obtaining no-fault assurance in Parsons, KS is relatively expensive, so you should plan accordingly budget-wise. 

Clemens Insurance Agency can help you determine how much insurance you need to drive around town comfortably. Call an agent today to schedule an appointment!

5 Quick Tips Regarding Farm Insurance.

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If you make a living from agriculture, you will notice that the going sometimes becomes very tough since there are many variables you need to control. To protect yourself from financial ruin, it is important that you contact Clemens Insurance Group in Parsons, KS to purchase a farm insurance policy, but before doing so, there are several things you need to know.

1. Establish why you need it

A standard homeowner’s policy will not provide adequate coverage unless the property meets certain criteria. Some of the deciding factors include the presence of some additional structures on the property such as stables, barns, domestic pets, and other animals. Also, farm workers are a determining factor.

2. Don’t Rely on Online Quotes

Unlike most auto or homeowners policies, there are no quick online quotes for farm insurance. A potential insurer will require visiting the property to access your needs. As such, online quotes are out of the equation.

3. Consider Product Specificity

Some insurers can only offer general insurance coverage for your farm business while others will have the option of tailing their policies regarding on the farm business. The customized policies are written based on the types of livestock or specific crops grown on the farm.

4. Plan for potential Business Losses

Most farms are solely used for business which puts them at a potential financial risk in case of poor management. To ensure that you are protected from these losses, consider purchasing a farm insurance policy. Notably, this policy will also protect you in the event of worker compensation claims if an employee gets hurt while on your property. Also, you are covered for damages to your business vehicles and other miscellaneous income interruptions.

5. Don’t discount your Hobby Farm.

Currently, hobby farms are becoming increasingly popular, but the property owners only grow crops and keep livestock just for domestic consumption. This notion is very wrong since such farms can be used as part of your primary income. However, even if you are not using the farm for business, do not assume that your farm insurance is not important. You should note that even small farms can lead to financial liabilities due to equipment and animals which may not be easy to control.

It is the high time you visited Clemens Insurance Group in Parsons, KS to ensure that your farm is properly insured. Talk with our agents to learn more.

What Parts Of My Home Will Home Insurance NOT cover?

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Home insurance is a great investment to protect your home in the event of a disaster. Although, you should have realistic expectations that there are certain aspects of your home or property that are not protected. You should read your policy and understand what is or is not covered under it. You should also be diligent enough to learn Kansas’s home insurance laws to know your rights. To get competitively priced home insurance in Parsons, KS, Clemens Insurance Agency may have what you need.

Clogged Sewer Lines

Sewer lines can be problematic as they get older, which is the case in many homes in the United States. Pipelines can also get clogged by tree roots, sewage, and excess rainwater. Sewer backups can be more troublesome than a clogged toilet. It can sometimes back up water into the house and damage floors, walls, and its electrical system. Additional coverage will be required for most insurance policies.

Sinkholes

Sinkholes are not particularly rampant in the area, but they will absolutely devastate a home when they do occur. These are basically gaps in the earth that happen after the rock is dissolved and will suddenly collapse. Insurance policies in Kansas will not cover damage from these disasters.

Termite infestation

Since so many homes in the country are made with wood, termites can be a major problem. As these little pests eat away at your walls and support beams, your home will eventually degrade and possibly collapse. The unfortunate part is that most home insurance policies will not cover this.

Now that you understand that you are not completely invincible with a home insurance policy, you can shop around with realistic expectations. You should always be responsible for taking care of certain parts of the property that are not covered so that you will not have to be a victim of a disaster. To check out a policy that fits your needs in Parsons, KS, be sure to reach out to the agents at Clemens Insurance Agency.