How does umbrella insurance protect my business?

Every business in Pismo Beach, CA that plans on remaining competitive in any industry needs to have umbrella insurance. The policy offers extra protection from liabilities that could threaten the stability of your business. The policy extends over other policies such as general liability, professional liability, commercial auto insurance, etc. If you’re wondering whether you need to buy umbrella insurance for your business, Neff & Associates Insurance Services Inc will answer all the questions you might have.

Commercial property

While any business can benefit from umbrella insurance, businesses that run on commercial properties can benefit more from umbrella insurance. Commercial property means inviting other people into the business property. If someone gets injured on this property, you risk getting sued for medical expenses, lost income, and pain and suffering by the victim. Your general liability might not be adequate to cover all the medical expenses, and that’s where commercial umbrella insurance comes in.

Employees

If you or your employees work on people’s property, such as renovating homes or businesses, your business is at risk of getting sued for accidental property damage or injuries. Without adequate liability coverage, you might be forced to pay the funds out of pocket.

Government contracts

If you’re a contractor in Pismo Beach, CA, you might miss out on some government contracts if you do not have umbrella insurance. This policy helps provide assurance to your clients that you will be responsible for any damages or injuries that might result from your business operations.

Risky business

 You need umbrella insurance more if you run a risky business. Almost all businesses carry a form of risk unless it is a home-based sole proprietorship without direct contact with clients, employees, or subcontractors.  Even if this is your case, you can still be sued by your clients, and professional liability or general liability may not always be adequate to cover the legal fees.

To learn more about commercial umbrella insurance, contact Neff & Associates Insurance Services Inc, and we will be happy to answer any questions you might have.

Why is Auto Insurance Necessary when in California?

People that are in the Pismo Beach, CA area will likely want to own a car. With a vehicle, it will be much easier to get around the community and other areas. When you are shopping for a car, it is important that you assess your insurance needs. This coverage is necessary in the state of California for various reasons. 

Needed to Comply with Requirements

A reason that drivers in the state of California need to have auto insurance is that it is required to comply with requirements. Drivers that want to use any public road are going to be required to carry liability insurance whenever they are out driving. Also, if you have taken out a car loan, you will need a full collision and comprehensive plan until the loan is repaid. Having coverage will keep you in compliance.

Insurance Provides Helpful Coverage

You also will want to have an auto insurance plan because it can offer helpful protection. Those that are going to purchase a car will want to know that it is covered against risks that could result in a loss. Further, they will want to know they have support if they are found at fault in a vehicle accident. With auto coverage, you can have the coverage needed to have comfort that you and your car are protected.

People that are shopping for a car in Pismo Beach, CA will need to assess their insurance needs. If you are looking for an insurance plan here, calling Neff & Associates Insurance Services Inc can be beneficial. The team with Neff & Associates Insurance Services Inc will give you and support that is needed to build a plan that can protect you, your vehicle, and ensure you remain in compliance with various requirements.  

Preparing Your Motorcycle for the Off Season

Although Pismo Beach, CA is usually warm, it gets cold enough in the winter that riding a motorcycle can be too chilly for some. If you’re not going to be riding, Neff & Associates Insurance Services Inc recommends winterizing your motorcycle with these steps.

Change out Your Oil

Older oil collects contaminants that corrode the interior of a vehicle. Frequent oil changes should be a part of any vehicle’s maintenance, but doing it as part of winterizing keeps your motorcycle from sitting in as many corrosives.

Fill the Gas Tank

Many of the active elements of gas will evaporate in just a month or two. This leaves behind gas that doesn’t do its job and a residue that clogs the interior. Filling up the tank and adding a fuel stabilizer prevents that from happening, plus you don’t have to stop by the gas station in the spring.

Remove and Charge the Battery

Even though it’s extra work, charging your battery over the winter will improve its performance and lifespan.

Give Your Bike a Thorough Cleaning

Before you stick your motorcycle in the garage, treat it to a wash. Dirt and other inconspicuous residues can damage paint, tarnish chrome, and cause rusting. Once you’ve got the motorcycle clean and in its resting location, cover it up to preserve your work.

Check Your Insurance

When you don’t plan on driving your motorcycle, you don’t need the same level of insurance. Check with your insurance to make sure you have a reduced rate and to see if they have a lay-up policy that covers hazards like fire and theft without temporarily unneeded road coverage. Neff & Associates Insurance Services Inc in Pismo Beach, CA is happy to help our customers with any questions about their policy or help new customers find one that works for them.

California Flood Insurance: Maintenance Tips to Help Flood Proof Your Home

When you live in California, flooding can be on your mind. Flood insurance is a good way to ease some of that pain.  You can also take some measures to floodproof your home so that you won’t have to make a claim.

At Neff & Associates Insurance Services Inc., we want Pismo Beach, CA residents to manage their homes so that when floods arrive, the crisis isn’t as big as it looks.

Use these tips to floodproof your home.

Elevate Your Boiler

When you have boilers and air-conditioning units in lower levels of your home, invest in ways to elevate them. These are areas that flood damage will find first. Build a platform or bring the elements higher so that risk is minimal with flood damage. 

Install a Sewage Water Backup System

A sewage water backup system will prevent a major and costly disaster. This will prevent any sewage damage from entering your basement. When a basement floor backs up, this device could save you. This will often get you some reductions on your home insurance premium as well.

Exterior Changes

You can add swales and depressions to runoff areas outside your home in order to prevent floods and backup. A contractor that is experienced in exterior flood protection can help you, and this investment will be worth the cost. This is an investment that only needs to be made once, with maintenance every year, and it will pay for itself in time.

Get a Quote

When you have a home in California, flood risks are on your mind. Flood insurance can help you in this crisis when home maintenance tips can not. At Neff & Associates Insurance Services Inc., we want Pismo Beach, CA residents to have the coverage they need in order to feel more secure in these crises. 

Condo Insurance & Water Damage

If you live in a condo, there is always the chance that you could experience water damage at no fault of your own. When your home is connected to other homes, this is simply a fact of life. You can plan for these potentialities by getting the appropriate condo insurance.

Neff & Associates Insurance Services Inc. serves the area of Pismo Beach, CA by providing a variety of insurance options. If you are concerned about water damage, here’s what you need to know.

Condo Insurance Helps Owners

When you own a condo, you need to know that your property has the most protection possible. This includes protection against water damage. While coverage may help you with a variety of damage types, it is important to know that most condo insurance policies do not include flood damage.

Burst Pipes

If a pipe bursts in your condo, your policy can provide financial protection for the items destroyed in the process. Your policy may also help you with the repair and replacement costs for the damage itself so that you can prevent this problem from happening again in the future.

Water Flowing From Common Areas

Living in a condo means dealing with common areas that may experience damage of their own. While the building owner may cover the damage to common areas, water could seep into your condo. Fortunately, insurance may cover this damage.

No Two Policies Are Exactly the Same

Keep in mind that all policies are different. Make sure to read the condo insurance documents you received to ensure you have adequate protection for your home.

Get Condo Insurance Today

Neff & Associates Insurance Services Inc., which helps residents of Pismo Beach, CA, can help you get the insurance you need. Contact an insurance agent to learn more about your condo insurance options.

4 Reasons Your Business Needs Lability Insurance

Owning a business in Pismo Beach, CA, is exciting and rewarding, but it comes with a fair of liabilities. While you can observe due diligence to mitigate third-party claims, you need business liability insurance to cushion your business when liability claims come calling. 

Unfortunately, since liability insurance isn’t mandatory in California, many business owners may push it on the wayside. However, this could turn catastrophic when the unthinkable happens. In light of this, be wise and purchase liability insurance from Neff & Associates Insurance Services Inc. for the below reasons.

A single event can wind down your business

Do you know it only takes one single event to put your business in jeopardy? Whether it’s an omission in a contract, employee injury, or a customer slipping while on your premises, it takes one event to compromise the sustainability of your business. However, with the appropriate liability insurance, you can protect your business against claims that come your way.

Life is unpredictable

You can put all the safety measures to protect your customers and employees, but mishaps can still happen. However, you can have peace of mind with liability insurance, knowing that you are protected against unpredictable events.

Lawsuits are common

Since we live in a litigious society, you need liability insurance to protect your business when legal suits come raining. One legal claim can be significant enough to ruin your business finances. As such, you need liability insurance to protect your business against lawsuits when you are accused of property damage, advertising, or bodily injury.

For peace of mind

Why worry when liability insurance can take care of your stress? Take comfort in liability insurance instead of living on the edge, wondering what kind of liability will strike your business.

Buy business insurance today!

Are you looking for an affordable business insurance policy in Pismo Beach, CA? Why don’t you contact Neff & Associates Insurance Services Inc. for a competitive quote?

The Importance of Home Insurance

Your home is your sanctuary and it is also one of the largest, most expensive investments you will make throughout your lifetime. The staff at Neff & Associates Insurance Services Inc in Pismo Beach, CA know and understand the importance of having the proper amount of insurance coverage for a home.

Coverage Options for Home Insurance

There are many types of different coverage options you can choose when creating a homeowners’ insurance policy with your agent. Each one is important and covers a different area.

The main part of your home insurance policy will cover not only the structure of your home but outbuildings too. These can include a garage, shed, deck, in even barns if you live in a farming area. This part of your coverage will help you and your family recover from the loss of your home if it is demolished by a fire, natural disaster, or vandalism. This is an extremely important coverage option because you want to be prepared if a devastating event like one of these does occur.

You will also want to ensure that your home insurance policy covers all of your personal belongings as well as household items, such as furniture and appliances if a disaster happens or if your home is burglarized.

You will have to keep in mind that there are certain extra policies that you may need to take out on your home that include coverage options that are not part of your main home insurance policy. This includes earthquake insurance and flood insurance. If you live in a flood plain, you will definitely want to have flood insurance and if you live in an area in which earthquakes occur from time to time, you will definitely want to have that policy in place also.

If your house is paid off already, or you paid cash for it, you are not required to have home insurance in place but for your own peace of mind and well-being, you absolutely should open a home insurance policy with a trusted agent. If you owe a mortgage on your home, you will be required to have home insurance by your lender.

To get your policy started today, call the home insurance experts at Neff & Associates Insurance Services Inc in Pismo Beach, CA.

Do Pismo Beach vehicle owners need to have auto insurance?

People that live in the Pismo Beach, CA area will find that it is much easier to get around the community if you are a vehicle owner. Those that invest in a car will be making a big purchase that they will want to enjoy for a long time. A great way in which you can continue to protect your vehicle is by investing in an auto insurance plan. This coverage is needed for several reasons.

Insurance Covers Vehicle

A reason to always have this insurance coverage is so you can cover your vehicle. Those who decide they want to buy a car will want to know they can enjoy it for a long time. Your auto insurance plan will include provisions that can repair or replace the vehicle in some cases. This can help to protect your investment and ensure you will continue to have access to a vehicle. 

Insurance is a Requirement

You should also get this coverage as it can be a requirement. Similar to other states, those that are in California will have an ongoing legal obligation to carry auto insurance. If you do not continue to carry this, you could face various penalties. Also, those who have a car loan outstanding will be required to carry a full collision and comprehensive policy. 

If you want to get an auto insurance plan, and you are in or around Pismo Beach, CA, you will want to speak with a professional that you can trust. As you are evaluating your options, calling Neff & Associates Insurance Services Inc would be a great idea. The insurance team with Neff & Associates Insurance Services Inc understands your insurance needs and will give any support necessary to choose an ideal plan for your situation. 

5 Reasons to Get Renters Insurance

If you’re renting a home or an apartment in Pismo Beach, CA it is time to start considering renters insurance. Contrary to belief, as a tenant, you are not protected by your landlord’s insurance plan. Renters insurance ensures that your belongings, guests, and any damages are covered in case of an emergency. Here are the top five reasons to purchase a renters insurance policy.

Protects Your Guests

If you have a guest that is accidentally injured in your home or apartment, renters insurance will cover the medical bills and court costs if they were to sue you. This is especially crucial if you are a pet owner, as renters insurance will protect you financially if your pet bites your guest.  

Protects You Against Theft

If your home or apartment was broken into and burglarized, renters insurance will reimburse you with cash to cover your stolen belongings. Items covered include clothing, electronics, jewelry, and more.

Replace and Repair Damages Due to Natural Disasters

While the structure of your home or apartment is covered by your landlord’s policy during a natural disaster, your belongings are not. Renters insurance protects your belongings and will replace lost or damaged items.

Coverage for Fire

A fire caused by electrical issues is not typically covered by your landlord’s policy. If it is deemed your negligence started the fire, you are liable for the damages to both your belongings and the structure of your home or apartment. Renters insurance will cover the costs of fire damage.

Protects Against Accidental Damages

Renters insurance protects you from unintentional damage to your property, such as water damage, broken glass, and falling items.

If you’re in Pismo Beach, CA reach out to Neff & Associates Insurance Services Inc to learn more about renters insurance policies!

Status Is Motorcycle Mandatory in California?

Sourcing splendid motorcycle insurance in Pismo Beach, CA can be a frustrating mission. Motorcycle ownership is a dream come true for any Pismo Beach CA resident. Getting a good motorcycle insurance policy in Pismo Beach, CA safeguards you, your motorcycle, and other road users. Regrettably, most motorcycle riders ignore procurement of this crucial coverage, viewing it as a recurring expenditure. Motorcycle insurance will guarantee your protection and instill peace of mind, regardless of whether your motorcycle is operational or in storage during the winter spell. Connect with our agents at Neff & Associates Insurance Services Inc serving Pismo Beach, CA and its surrounding community.

Is motorcycle insurance mandatory in California?

Motorcycle insurance is legally required in California, and you must produce it before registering your motorcycle. Hitting Californian roadways without motorcycle insurance can attract dire consequences like fines and suspension of your license. The levels of liability insurance coverage advocated by the state of California include bodily injury and property damage. The state-mandated requirements in motorcycle insurance may not be sufficient in protecting you in the event of an accident. There are other optional coverages for your motorcycle:

Collision coverage: It’s designed to cater to costs for repairing or replacing your motorcycle arising from a collision with another vehicle or stationary object, including a post, tree, or guardrail.

Comprehensive coverage: It pays the cost for repairing or replacing your motorcycle arising from non-collision-related damages like falling objects, vandalism, and theft.

Un-insured or under-insured motorist coverage: If you are engaged in a hit and run accident with your motorcycle with a motorist who is inadequately covered or doesn’t have any insurance, this policy caters to the medical costs of your injuries and other passengers as well.

Medical payments coverage: It helps cover reasonable and essential medical expenses, including X-rays and ambulance rides to take care of injuries inflicted on you and your passengers boarding your bike.

Are you a motorcycle owner in Pismo Beach, CA looking for proper motorcycle insurance coverage? Don’t look beyond Neff & Associates Insurance Services Inc. Call or visit us today, and our dedicated team will help you get motorcycle insurance to meet your needs and budget.