The pace of business in 2019 demands technology capable of meeting the demands of consumers.
From small business to Fortune 100 enterprise, modern advances are available to support improving the way business is conducted. These advances require a fresh look at business insurance policies.
Perhaps the primary technology that is being implemented across numerous industries is drones. From crop sprayers in farming to traffic monitors to package delivery, drone technology is adaptable to meet the needs of many businesses.
That’s why it is so necessary to understand the options when it comes to insuring drones and other technologies. Neff & Associates Insurance Services Inc serves Pismo Beach, CA and will help you get the right insurance for your technology.
Film and still photo insurance is one of the unique coverages required to own and operate a drone in California. There are minimum basic requirements for photography and additional insurance requirements for drones.
Unmanned Aerial Systems (UAS) can be insured through " an aviation-specific insurance carrier (such as Global Aerospace)" or by adding UAS coverage to a general policy.
Another technology that will require additional expertise from insurers like Neff & Associates is the up-and-coming self-driving vehicles. Self-driving fleet will require not only standard automotive coverage but will have implications to all business owners.
According to a study conducted by the California Department of vehicles (DMV), there have been "concerns related to insurance a determining liability."
Autonomous vehicles will present new and unique challenges to business owners seeking to add efficiencies for their customers while keeping the right coverage to protect their assets.
As technological advances like drones and autonomous cars impact the way business is conducted, experts like Neff & Associates Insurance Services Inc, serving Pismo Beach, CA are here to help.
While Pismo Beach, CA offers warm, dry summers perfect for riding, the rainy winters may have you back in your car. There may also be other reasons you want to keep your bike stored, like family obligations or because you’re waiting to do repairs. You may be wondering if you can cut some of the cost of ownership by canceling your motorcycle insurance during those off times, or putting it on hold.
At Neff & Associates Insurance Services Inc, we help our clients design the right mount of coverage for their individual needs. You need the right protection considering your personal risks, but you shouldn’t be wasting money on coverage you don’t need.
Unfortunately, it is standard policy to exclude any vehicles, including motorcycles, in a traditional homeowners policy. This applies even if your motorcycle isn’t currently registered, or if you have it in your attached garage to work on it. You may still get some protection for other unusual items in storage, like your boat, but anything excluded receives no protection.
Another important point to think about is whether you still owe money on the bike. If you still have a loan on your motorcycle, there is probably a clause which requires you to keep full coverage on your bike all the time. If your lender finds out you canceled the insurance, they can impose a more expensive policy.
You never want to give up riding in a place like Pismo Beach, CA, but you can still be frugal. Call Neff & Associates Insurance Services Inc today if you want to see how you might be able to lower your premiums.
When a lien in a vehicle, full coverage is expected to be carried for the duration of that loan. So many times car owners receive the title to their vehicle and immediately contact the insurance company to drop their insurance to minimum coverage. In the state of California, minimum coverage consists of liability coverage.
Although it is required, car owners should continue to carry collision and comprehensive after the car is paid to prevent a financial burden in the event of a crisis. If you reside in or around the Pismo Beach, CA area, a full coverage auto insurance policy including collision and comprehensive can be purchased through Neff & Associates Insurance Services Inc.
Coverage of Car Damage
In the event of an accident, the collision portion of your policy can cover the damage to your car, or replace it at value if the damage is a total loss. For car owners only carrying minimum coverage of liability, they are not subject to this financial coverage, leaving themselves financially responsible.
Sometimes, unfortunate situations such as disasters or theft can cause damage to your car. The comprehensive portion of your insurance policy is available for the non-accident related claims in which significant damage can happen. Like the car owners who lack collision, those who lack comprehensive insurance are also responsible for their own damage repair or replacing the vehicle completely for a total loss. Most car owners do not have the financial freedom to immediately replace a vehicle, leaving you and your family stranded.
Protect yourself from unnecessary financial obligation. If you do not already carry collision and comprehensively covered on your vehicle, it is time to make that switch. Neff & Associates Insurance Services Inc proudly serves the Pismo Beach, CA area and has a policy ready for you today.
If you are an automobile owner in the US, you are required to carry auto insurance that meets at least minimum legal requirements. The "minimum" in "minimum coverage" is dictated by state law – which means one state’s minimum may not cut it in another state. Here in Pismo Beach, CA, the state minimum is $15k/$30k/$5k liability insurance. These numbers essentially mean that if you are involved in an accident and it is deemed your fault, your insurance will pay a maximum of $15,000 for bodily injury per person involved up to a maximum of $30,000 to total bodily injury and a maximum of $5,000 toward damages. Note that these numbers do not cover situations where there is a no-fault accident, or you find yourself involved in an accident with an uninsured motorist. In this situation, there may be no financial assistance or reimbursement at all for you.
Minimum automobile insurance coverage can sound appealing – save big money on your premiums so long as you don’t get into an accident. However, in the event the worst does happen, you can be stuck with substantial out-of-pocket costs if you’re rolling with minimum coverage. The minimum coverage may sound like a lot now, but a common road accident nowadays can rack up total costs of more than $400,000. That means you’ll have to pay whatever your insurance doesn’t pay.
Neff & Associates Insurance Services Inc recommends you carry at least $100,000 of bodily injury coverage per person and $300,000 maximum bodily injury coverage per accident. It does not cost much more to be confident in your insurance limits. Make sure you are adequately protected by contacting an agent at Neff & Associates Insurance Services Inc here in Pismo Beach, CA and discuss your options. There are a number of policies available to help you save money without risking your financial future with ongoing settlement payments.
There are all kinds of insurance options for you and your home. You likely already have home owner’s insurance and you should also have auto insurance and other coverage that protects other additions, such as boating and RV insurance. However, you may have come across umbrella insurance and wonder what exactly it is. Well our team at Neff & Associates Insurance Services Inc can help you out with that. So whether you live in or around Pismo Beach, CA here is everything you need to do.
Additional Liability Insurance
If someone slips and falls on your sidewalk, trips down your stairs, or is injured by your vehicle, you may be sued. When you are sued your regular insurance policy may cover a small portion of the legal fees, but chances are you’ll be paying much of this out of pocket. With umbrella insurance coverage you bring about added protection. With the additional liability coverage you’ll protect yourself and have the necessary financial support from the insurance company to pay for the legal fees and other expenses.
Peace of Mind
Accidents happen. Whether out on the road or inside your home, there are times where you can’t prepare for an accident because these issues do come about. However, while you can’t always prepare for an accident you can always protect yourself in the event of one. With umbrella insurance coverage you’ll protect your home and all of your financial assets.
Giving yourself extra liability protection for your property and other valuables is always a quality investment. So whether you live in or around Pismo Beach, CA the team at Neff & Associates Insurance Services Inc are here to help you out every step of the way. All you need to do is give the team a call.
There’s nothing worse than moving into a new Pismo Beach, CA apartment and discovering bed bugs throughout your home. If you have a renter’s insurance policy from Neff & Associates Insurance Services Inc or any else, you need to understand what your policy will cover and what it won’t cover.
Does Renters Insurance Cover Bed Bugs?
Renters insurance typically covers the physical damage done to a home but does not cover pest infestation. That problem is true of bed bugs, which rarely cause real physical damage to a home. Even worse, the liability policy of most renters insurance won’t cover you if a visitor gets bitten by bed bugs.
There are exceptions to this fact, however, and some policies will cover bed bugs. It all depends on where you get your insurance and what the company is willing to handle. However, finding a policy that covers bed bugs may require looking to alternative policy sources, including expanded renters insurance policy options.
What Policies Will Cover Bed Bugs?
All-risk insurance is a great choice for renters because it will cover just about everything that can happen to an apartment. For example, it will cover bed bug infestations and will pay for getting them treated and eliminated from an apartment and protect your home from a new infestation.
Make sure, though, that you read through a policy carefully to ensure that there are no exclusions listed for pests. Even some all-risk renters insurance policies have exclusions for certain issues and bed bugs and other types of pests often quality as an exclusion.
Learn More About Renters Insurance
While many types of Pismo Beach, CA renter’s insurance policies do not cover bed bugs, that doesn’t mean that policies aren’t available that do. So if you are curious about this type of policy and want to ensure you are fully covered, please contact Neff & Associates Insurance Services Inc to learn more.
Spectacular ocean views call many riders to enjoy California coastal highways. If you’re a motorcyclist in Pismo Beach, CA, contact Neff & Associates Insurance Services Inc to find out the legal expectations of operating a motorcycle here. In the meantime, here are the rules for helmet laws in California.
The short answer is yes. Currently, California does require motorcycle helmets, and this law applies to all riders. In this regard, California law mimics 19 other states. Another 27 states protect minors by requiring them to wear helmets and just three states don’t require helmets.
Types of Helmet Required
California follows minimum safety standards set by the U.S. Department of Transportation for motorcycle helmets. Standard 218 of the Federal Motor Vehicle Safety code set forth the following requirements:
- Thick Inner Liner at least one inch thick and made of polystyrene foam
- Riveted Chin Straps are sturdy and attached to the helmet via solid rivets
- Weight for the federal standards is a minimum of three pounds
- Helmet designs shouldn’t protrude more than 0.2 inches from the shell
Does Not Wearing a Helmet Affect Insurance Eligibility?
Federal laws and state requirements supersede insurance eligibility in this regard. In the state of California, helmets are required to operate a motorcycle, so they are automatically required to be insured as a legal motorcyclist.
Penalties for Not Wearing a Helmet
State laws do not consider operating a motorcycle without a helmet an equipment offense, which would involve steeper penalties. Violations are met with fines of varying degrees, depending on the circumstances.
California law is very specific when it comes to how to hear a helmet to avoid circumvention of wearing a helmet anyway other than the head, In this case, the law is absolute.
To obtain an insurance quote for your motorcycle insurance in Pismo Beach, CA, contact Neff & Associates Insurance Services Inc to set up an appointment for a quote.
Floods and flash floods are considered the most expensive and common disasters across the United States. Damages caused by floods can be extremely costly in terms of repairs or replacements. Therefore, a flood insurance policy from Neff & Associates Insurance Services Inc. will come in handy when floods strike your home. Moreover, your homeowner’s insurance doesn’t cover floods in Pismo Beach, CA.
Understanding high-risk flood area
As stated by the Federal Emergency Management Agency (FEMA), all flood regions across the U.S are classified as low, moderate, or high-risk flood zones. FEMA makes the determination as for whether an area is a high-risk flood zone based on geographical and historical factors of a given area. Some of the vital considerations include nearby bodies of water, previous causes of floods, the presence of mountains or hills, and the local drainage systems.
In other words, a high-risk flood zone is an area that has been marked by FEMA to be susceptible to flooding. That is why homeowners in Pismo Beach, CA with a mortgage should have flood insurance from Neff & Associates Insurance Services Inc. This is one way of cautioning lenders or banks from disaster whenever flooding occurs.
This is also important for people who are renting homes in high-risk areas as their landlords may require them to have additional protection for their units. Remember, when renting, your landlord’s flood insurance policy doesn’t cover your personal belongings. Therefore, you have a duty to protect yourself financially and ensure all your items are fully protected in case of floods, by purchasing a flood insurance policy.
Floods occur all the time and no homeowner can be immune from such disasters. Moreover, storms and hurricanes have shown very unpredictable patterns in the recent past. Do you want to protect your valuable assets and personal belongings against floods? Contact us at Neff & Associates Insurance Services Inc., for more information on how to stay protected by purchasing sufficient flood insurance.
Every responsible property owner should understand what exactly their insurance policy covers. If you’re a homeowner, you need to consider not only your home but also your land and any other structures on your land, such as pools and sheds. If you’re a condo owner in Pismo Beach, CA, determining what needs to insure might seem more simple, but you still need to make sure there aren’t any gaps in your coverage. Neff & Associates Insurance Services Inc offers the home as well as condo insurance and we are here to help you navigate your insurance needs.
The biggest difference between condo insurance and home insurance is what part of the property the policy needs to cover. When you own a home, your insurance policy covers your entire structure and any surrounding land that you own. When you own a condo, however, your insurance only needs to cover the portion of the building that you actually own. There may also be special requirements for condo insurance set by the condo association where you live, whereas this is not the case with homeowners insurance. It’s important that you check with your condo association to determine what coverage you need.
Determining what coverage is required for your particular situation based on your condo and your condo association can be confusing. Condo owners in Pismo Beach, CA should talk to an insurance agent to help them understand what coverage they need so they’re not left with gaps and inadequate insurance. Before disaster strikes, talk to an experienced insurance agent at Neff & Associates Insurance Services Inc so you can have peace of mind knowing you and your property are fully insured.
Many people in Pismo Beach, CA have started or considered starting an online business. Whether big or small, you need to understand an online business is still a business. You need to protect yourself, your assets, and your operations with some form of commercial insurance from Neff & Associates Insurance Services Inc.
Why Your Online Business Needs Protection
All businesses come with a certain amount of risk. Consider the potential risks generated by your online business. You may have to think hard about it, but you can probably come up with quite a few. Some examples can include:
- A failure or perceived failure to deliver on a promise
- Any harm or perceived harm, whether physical or mental, caused by your service
- Selling a defective product to someone
This is not an exhaustive list. In addition, these things all apply if you hire a third party who creates these risks in your name. Basically, if you can think of any reason someone may consider suing you or your business, you need to mitigate that specific risk.
Even if the claim against you is unfounded and frivolous, you will still have to spend money fighting the case. This can stop an online business cold before it ever really gets going.
How Commercial Insurance Can Help Your Online Business
Commercial insurance gives your online business the protection it needs by providing coverage for all the things that can go wrong. For example, commercial insurance can provide:
- Coverage for your business equipment
- Coverage for business interruptions and loss of income
- Liability protection if someone claims your business harmed them
The exact type of commercial insurance you need in Pismo Beach, CA will depend on the nature of your online business. To learn more about the options available to you and your online business, contact Neff & Associates Insurance Services Inc. today.