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The Basics of Commercial Insurance for Contractors in West Virginia

Posted on October 26, 2022October 26, 2022 by admin

If you’re a contractor in Huntington, WV, chances are you’ve heard of commercial insurance but may not know exactly what it is or what it covers. Partners Insurance & Financial Services Inc. can give you a brief overview of commercial insurance and some of the things it can cover for contractors in West Virginia.

What is Commercial Insurance?

Commercial insurance helps protect businesses from financial losses. It covers property damage, liability claims, and lost income. Insurance companies offer different types of coverage depending on the needs of the business, so it’s important to talk with an agent to find out what type of coverage is right for you.

Commercial Insurance for Contractors

As a contractor in West Virginia, there are a few things that you should make sure your commercial insurance policy covers.

  1. Damage to property that you may cause while working. This includes things like accidentally drilling through a water line or breaking a window.
  2. Any injuries that occur on the job site. This includes things like slips and falls or even more serious accidents. If someone is injured while you’re working, they may try to sue you for damages. Having commercial insurance can help protect you from these types of liabilities.
  3. Lost income if something prevents you from working. For example, if a storm damages your work site and you can’t work until it’s repaired, your policy should cover any lost wages during that time.

Contact Us Today

As a contractor in Huntington, WV, having commercial insurance is crucial to protecting your business from financial losses. It covers property damage, liability claims, and lost income. Make sure to talk with Partners Insurance & Financial Services Inc. to determine what type of coverage is right for your business needs.

Posted in Commercial InsuranceTagged Huntington WV, Partners Insurance & Financial Services Inc.

Benefits of Home Insurance

Posted on September 19, 2022September 19, 2022 by admin

Home is where we feel that our families and loved ones are comfortable. However, owning a house also involves inherent risks like fire and vandalism. These unfortunate events can be stressful, subjecting you to detrimental financial consequences. Consult with our agents at Partners Insurance & Financial Services Inc in Huntington, WV and we will assist you with the home coverage that you need. 

Here are some benefits that are included with home insurance:

Protection of assets

Home insurance is designed to shield your home and the belongings stored in it. If a calamity occurs, your dwelling will get repaired or reconstructed, and your personal property will be reimbursed or replaced.

Provides additional living expenses

This policy can help settle the accrued additional expenses. It can range from food to accommodation in case you reside elsewhere as your house is being repaired or reconstructed in the aftermath of a peril.

Provide liability protection

Lawsuits from third parties against damage to their property and inflicted injuries by either you or your family members can be very stressful. However, worry not because liability coverage comes in and settles for medical bills accrued by a guest residing on your premises.

Get Home Insurance Today

Contact us today at Partners Insurance & Financial Services Inc. in Houston, TX and we can get you the home insurance coverage that you need. 

Posted in Home InsuraceTagged Huntington WV, Partners Insurance & Financial Services Inc.

Added a Driver? It’s Time to Update Your Auto Insurance!

Posted on August 29, 2022September 6, 2022 by admin

If you’ve recently made a major life change such as getting married, moving to a different state, or adding a child to your family, you’ll want to be sure to update your auto insurance policy to reflect these changes. Out-of-date auto insurance policies can be a hassle and can be especially bad if you discover you’re not covered for something because of it.

At Partners Insurance & Financial Services Inc., serving the Huntington, WV area, we pride ourselves on helping drivers navigate the world of auto insurance and find a policy that suits their needs.

When To Update Your Auto Insurance

If you’ve recently added a new car or a new driver to your house, it’s time to update your auto insurance policy to reflect that change – and the sooner, the better! Updating your policy helps to ensure that the new car or driver is properly covered under the terms of the policy so that, in the event of an accident, they’ll be able to access the help that insurance can provide.

Leaving a new car or driver off of your policy can spell trouble for a lot of reasons, not the least of which is simply not being covered in the event of an accident, fire, theft, attack by vandals, etc.

Give Us A Call

Contact us at Partners Insurance & Financial Services Inc. today and we’ll help you find the right auto insurance policy for you, or help you update your existing policy to one that suits your needs better. We’re proud to serve the Huntington, WV area, and are glad to be of service to all drivers in the community. You deserve to enjoy driving, and having a good, up-to-date insurance policy will go a long way toward giving you that peace of mind.

Posted in Auto InsuranceTagged Huntington WV, Partners Insurance & Financial Services Inc.

The Benefits of Term Life Insurance

Posted on July 29, 2022August 2, 2022 by admin

Understanding all the different kinds of life insurance can seem daunting at first, especially if you’re new to life insurance. That’s why many people opt for term life insurance, which suits many types of people, including those who are on a budget and are fine with temporary coverage. 

Partners Insurance & Financial Services Inc. in Huntington, WV is here to guide you through this important insurance coverage.

Here are three benefits of term life insurance:

  1. More affordable – On average, term life insurance policies are less expensive than whole life policies, since they provide coverage for a certain amount of time. If the policy expires during your lifetime, your beneficiaries won’t receive the death benefit. Because of the lower amount of risk your insurance company takes you, you can benefit from lower premiums. Whole life insurance policy premiums are higher since they pay out no matter when you die. 
  2. More flexible – You have a wealth of options determining how long your term life insurance policy should last. Typically, you can buy coverage that lasts between 1 and 30 years. If you have coverage that lasts for 1 or 5 years, you can use it to help cover current expenses, like your child’s tuition, or short-term debts. A longer-term policy, like a 30-year term, can help cover bigger payments, like your mortgage. 
  3. Simpler – Because term life insurance is generally easy to understand, shopping for a term life policy and comparing quotes is quite simple. As long as your premiums are paid for, you’re covered throughout your policy’s duration. You only have to make three key decisions: how long you want your coverage to last, how much term life insurance coverage you need, and which insurance company you want to do business with. 

Contact Us Today

If you’re in the Huntington, WV area and are exploring your life insurance options, Partners Insurance & Financial Services Inc. would be the perfect insurance company for you. With over 30 years of experience, our skilled and knowledgeable agents are committed to providing you with customized insurance protection at competitive rates. 

For more information about how we can help you and your family, give us a call and we’ll let you know about your coverage options. 

Posted in Life InsuranceTagged Huntington WV, Partners Insurance & Financial Services Inc.

Why Do I Need Insurance for My Business?

Posted on June 23, 2022June 23, 2022 by admin

Insurance, as you well know, protects people and businesses from financial loss. When you’re running a business, you take on a certain amount of risk, and damages can sometimes be very costly or even financially devastating. The last thing any business owner would want to do is pay for those losses out of pocket, and that’s why it’s a good idea to buy business insurance. 

Now, you might be asking, “Am I required to buy business insurance?” The short answer is no, but there are a number of types of business insurance you should know about. They’re available to businesses when faced with a lawsuit or claim or in the event of a catastrophic disaster. Partners Insurance & Financial Services Inc. in Huntington, WV offers the following guide.

Business Insurance: What You Need To Know

In most states, including West Virginia, businesses are required to carry workers’ compensation insurance. Covered risks under this type of policy include injured workers’ lost wages, theft, and more. Without this coverage, your business has to pay expenses out of pocket when a worker files a claim – an event that could totally ruin your business if you lack the financial resources. 

Although disability insurance isn’t required in West Virginia, businesses are strongly encouraged to buy this coverage as well. That way, if an employee with a disability is unable to complete their tasks on the job due to their condition, they can still earn at least a portion of their income. This coverage helps not only the employee but also the employer since they don’t have to worry about a possible compensation lawsuit.

Contact Us Today

If you’re running a small business in the Huntington, WV area, chances are that you’ve considered buying business insurance coverage. For expert insurance advice, Partners Insurance & Financial Services Inc. is here to help you. For more information about how we can serve you, give us and get in touch with one of our trusted partners.

Posted in Commercial InsuranceTagged Huntington WV, Partners Insurance & Financial Services Inc.

How Often Do I Need To Renew My Home Insurance Policy?

Posted on May 24, 2022May 24, 2022 by admin

Huntington, WV is one of the best places in the state to own a home, and this is why as a resident, you should always protect your investment with a home insurance policy. Ensure that you always renew your policy on time so that your home is always protected. You are likely wondering – how often should you renew your home insurance policy? Partners Insurance & Financial Services Inc offers you this guide to decide. 

How Often Do I Need To Renew My Home Insurance Policy? 

1. Home insurance policy renewal best practices

Home insurance policies typically last for one year (12 months). Therefore, it’s good practice to renew your policy every 12 months. Your insurance provider will likely send you a renewal statement several weeks before renewal dates. Many insurers will automatically renew your policy if you opt to keep paying your bill. 

At Partners Insurance & Financial Services Inc., we recommend that you renew your home policy even before the 12 months lapses under the following special circumstances; 

  • Your home decreases or increases in value
  • You remodel your home or any part of it
  • You add an extension to your home
  • You install a robust anti-theft system
  • You install a class-leading fire mitigation system 
  • You reroof your home
  • You cut down trees around your home
  • You purchased expensive jewelry

2. How do I renew my home insurance? 

  • Step 1. Check if your rates have changed: Your rates might have gone up or down depending on factors like inflation and property value depreciation. 
  • Step 2: Update your policy as needed: The best time to make changes to your home insurance policy is when you are renewing it. Remember to ask for discounts where applicable. 
  • Step 3. Review the changes to your coverage: Confirm that the changes to your home policy, whether made by the insurer or by you, are okay for you. 

Do you need excellent home insurance in Huntington, WV? Welcome to Partners Insurance & Financial Services Inc.; we will help you get the best home insurance policy.

Posted in Home InsuraceTagged Huntington WV, Partners Insurance & Financial Services Inc.

Auto Insurance Do’s and Don’ts

Posted on April 29, 2022May 13, 2022 by admin

Getting the right auto insurance coverage is crucial to budget and financial stability. At Partners Insurance & Financial Services Inc. serving Huntington, WV and the surrounding areas, we can help you make the best insurance choices. Keep reading to learn more about auto insurance do’s and don’ts that you should keep in mind. 

Auto Insurance Do’s and Don’ts 

Do Shop Around

The best way to always get a great deal on car insurance is to shop around often. You will want to compare quotes when you are about to buy another vehicle or when you are replacing your vehicle. 

You will also want to compare quotes when you add a driver to your policy. Be sure to only add drivers you trust who have a good driving record.

If you are about to add teen drivers to your policy, you will also want to compare rates. Another good time to shop for quotes is if you are about to get married. 

Even if none of these apply to you, then you will at least want to shop around once a year to make sure you are getting a good deal. 

Don’t Let Coverage Lapse

If you allow your auto insurance to lapse, it can cause a great deal of problems for you financially and legally. In some states, you will not be able to keep a vehicle properly registered if the insurance lapses. If you are in an accident while the insurance has lapsed, you will be held liable for many expenses and could face legal consequences. 

If you would like to learn more about auto insurance, or any of the other services that we provide, please contact us at Partners Insurance & Financial Services Inc. serving Huntington, WV and the surrounding areas. 

 

Posted in Auto InsuranceTagged Huntington WV, Partners Insurance & Financial Services Inc.

Life Insurance: One of Your Most Important Investments

Posted on March 30, 2022April 14, 2022 by admin

Investments are such an important part of your financial life. When most people think of investments, though, they are thinking of savings accounts and retirement funds. Your life insurance is also an important part of your investment strategy. At Partners Insurance & Financial Services Inc. serving Huntington, WV and the surrounding areas, we want to help you better understand this important investment. Keep reading to learn more. 

How Is Life Insurance An Investment?

Life insurance can be considered an investment you are making for your family, not necessarily for yourself. When you pass away, your life insurance policy will be there to ensure that your family is financially stable and can accomplish the financial goals you established for them. 

Certain life insurance policies can also be used as a type of savings or investment account which could be tapped into for financial needs before you pass away. 

How Much Life Insurance Do I Need? 

The amount of life insurance you choose to purchase will be highly dependent on your particular circumstances and your family’s goals. Some families only wish to have enough life insurance in place to cover funeral expenses, while other families expect life insurance to replace or exceed the deceased person’s income. You will need to discuss with your family what intentions you all have for the future. 

An insurance agent can also sit down with you and your family to discuss this important aspect of your policy. 

Are There Different Types of Life Insurance?

Yes, there are different types of policies that accomplish different goals. You will be able to discuss the different types of coverage with an agent. 

If you would like to learn more about life insurance, please contact us at Partners Insurance & Financial Services Inc, serving Huntington, WV and the surrounding areas. 

Posted in Life InsuranceTagged Huntington WV, Partners Insurance & Financial Services Inc.

What Type of Commercial Insurance Do I Need in WV

Posted on February 15, 2022February 4, 2022 by admin

Owning a small business is not for the faint heart and you’ll want to do everything possible to protect your livelihood. Consequently, understanding the minimum requirements for commercial insurance in West Virginia while also knowing what optional coverages may best safeguard your business are of high importance.

In West Virginia, state law requires that any business with one or more employees – regardless of whether they are full-time or part-time – carry workers’ compensation insurance. Workers’ compensation insurance helps pay the costs associated with an illness or injury that an employee develops while at their place of work. If you employ independent contractors then you are not required to provide workers’ compensation insurance. Additionally, if your business owns any vehicles then they must be covered under a commercial auto insurance policy with at least minimum liability coverage. While not required, if you ask your employees to use their personal vehicles for work related tasks such as deliveries you’ll want to ensure that a hired and non-owned auto insurance policy is taken on their vehicles as personal auto policies typically exclude business use. 

Although not required, additional coverage that you may want to consider for your business includes cyber liability insurance and professional liability insurance. Cyber liability insurance protects your businesses from the costs associated with lawsuits and recovery from a data breach or hack. Also known as errors and omissions insurance, professional liability insurance protects West Virginia businesses that provide professional advice or services and covers lawsuits associated with work performance. 

For more information on commercial insurance, contact Partners Insurance & Financial Services Inc in Huntington, WV. Our friendly and professional team can answer any questions and help you customize the perfect policy for your business. 

Posted in Commercial InsuranceTagged Huntington WV, Partners Insurance & Financial Services Inc.

Why Every Homeowner Needs Home Insurance

Posted on January 24, 2022February 4, 2022 by admin

If you own a home, it is most likely required by your lender that you get and keep a home insurance policy. However, even in cases where it isn’t required, no homeowner should be without this important insurance. Home insurance policies offer several different types of coverage that are each important for protecting your finances. If you need home insurance, give us a call at Partners Insurance & Financial Services Inc. in Huntington, WV.

House Protection

Your home represents a large investment, and your home insurance can help to protect that investment. There are many risks that houses can face, including disasters, accidents and calamities. If your home gets damaged due to one of the covered incidents, your home insurance can pay for the repairs that you will need. This protects you from having to come up with those funds on your own. If the home is destroyed, the policy can even pay for its rebuilding. 

Belongings Protection

Another important aspect of a home insurance policy is protection for your belongings that are inside your house. This protection pays for items to be repaired or replaced after a covered incident either damages or ruins them. This coverage protects you from having to start again with nothing in the event of a major incident. It is important to have this coverage so that you won’t have to come up with the money to replace your items if they should become necessary. 

Get Your Home Insurance Policy

With the important coverage included in a home policy, your finances can be well-protected in case the worst should happen. If you own a home, or you are in the process of buying one and need insurance coverage, give us a call today at Partners Insurance & Financial Services Inc. in Huntington, WV to find out more. 

Posted in Home InsuraceTagged Huntington WV, Partners Insurance & Financial Services Inc.

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