If you live in the Cincinnati, OH area, there are plenty of great areas where you can use a recreational toy. When you own a recreational toy, it will give you plenty of fun and exciting memories. While one of these recreational toys will be a lot of fun to own, you also need to remember that it’s a valuable asset. You can benefit in several ways by getting insurance on your recreational toy in this area.

Receive Liability Protection

One of the advantages of getting a toy insurance policy is that you can receive liability coverage. Any time you take out your recreational toy, you could cause an accident that leads to damages. If this does occur, you will be required to pay for these damages. When you have a toy insurance policy, you will receive the coverage that you need to protect you against this liability risk.

Covers the Asset

Another benefit of your toy insurance policy is that it will protect your asset. When you purchase a recreational toy, you are going to be spending a lot of money on a big investment. To ensure that you are properly protected, you should get an insurance policy that will give coverage to repair or replace your asset. 

When you are in need of a toy insurance policy in the Cincinnati, OH area, it is important to reach out to someone that you can trust. The team at Advantage Insurance Network can be a great resource for you to utilize. When you reach out to Advantage Insurance Network, the team will evaluate your situation to determine whether a recreational toy insurance policy is right for you. They can then help you to get into a new policy that provides the right type and level of coverage to protect you and the toy. 

With Condo insurance policy, you will be able to protect your condo units while getting personal liability and living expense coverage. This policy is also known as the wall in policy as wall in coverage as they protect your individual unit.

Types of liabilities under condo insurance

• General liability

The condominium is covered from such liabilities as personal injury and bodily damage. If one was to fall or slip within your property, you can seek compensation from the condo association. This is what makes this policy a necessity while dealing with commercial property.

• Property Insurance

Under property insurance, your condo is protected from disaster. In instances of fire, natural disaster, and theft, property insurance provides protection to the condo association as well as the unit.

What is covered by the condo insurance policy

• Building and property: the condo itself including its walls and fixtures.
• Personal liability: legal costs from claims and lawsuits against you.
• Personal property: electronics furniture and other movable goods.
• Loss assessment: any part of your losses shared out by the condo association.

A condo insurance policy will normally have a list of named policy to be covered. Any peril not captured may not be paid out. At Advantage Insurance Network, Cincinnati OH, additional coverage will be offered to you if more perils need to be covered or where you require a higher limit is desired.

What to consider when taking the condo insurance policy

• Additional value

It is prudent to consider any additional value-added on the fixtures or construction to have this covered on the policy. Such factors as the renovation of structures may put the overall value of your condo over limit covered.

• Limit required

When taking a condo insurance policy, consider the limit you would want to be covered. This ensures that in case of any disaster, you receive value proportionate to your losses.

Our professionals at Cincinnati, OH, will support you in getting an appropriate policy for you. Visit our website or call us for more information. 

 

 

 

Owning a motorcycle is a dream that many people have. While most people dream about cruising on an open highway, a motorcycle is also a very important asset and responsibility that needs to be properly protected. For those that are in the Cincinnati, OH area, one of the best ways to do this is through a motorcycle insurance policy. A quality insurance policy for your motorcycle can help someone in several different ways.

Covers Your Asset

If you decide to buy a motorcycle, you may quickly find that it is quite an investment and commitment. The last thing that you would want to happen would be for the motorcycle to be damaged in an accident or stolen and for you to lose it entirely. If you get a motorcycle insurance policy with a full comprehensive and collision coverage component, you will receive coverage for virtually any situation that could cause a loss. This will give you amazing coverage and peace of mind. 

Liability Protection

Anyone that takes a motorcycle out on the open road in Ohio is always taking on the risk that they could cause an accident. In some situations, the damage related to the accident could be significant. Because of this, you will want to make sure that you are properly protected. One of the best ways to do this is by getting a motorcycle insurance policy as it will include liability insurance protection.

When you are looking for a motorcycle insurance policy in Cincinnati, OH, you should contact the Advantage Insurance Network to learn more about your options. Choosing the right policy for your motorcycle can seem complicated. However, the Advantage Insurance Network can give you the guidance that you need to ensure you get the best policy for your situation. 

The laws in the state of Ohio, do not require that you carry boat insurance. If you have a loan on your boat, the lender may require that you carry insurance to protect their investment. But what about you? Should you protect your investment if you are not required by law to do so? For help answering this question in Cincinnati, OH you have Advantage Insurance Network. They have friendly staff who can discuss all the many things that go into making a decision about boat insurance. 

Repair or  Replacement

Depending on how much you paid for your boat, you may not be easily able to replace your boat or repair it if it is damaged. If your boat is on your property and is damaged, it may be covered by your home insurance but the coverage will not be as extensive as it would be with a dedicated boat policy. But if your boat is in the water or away from your home, home insurance will not cover it. 

Liability

If you have any assets beyond just your boat, liability insurance is something that you need to have. In the event of an accident where there is personal or property damage and you are deemed to be at fault, you could find yourself involved in legal litigation. The result could be catastrophic to your current and your future earnings and assets. Liability insurance on your boat will provide you with the protection that you need for peace of mind. 

Owning a boat comes with lots of things to think about. If you live in Cincinnati, OH or the surrounding area and you are looking for information or to purchase boat insurance why not give Advantage Insurance Network a call or stop by their office for a no-obligation quote. 

Work accidents can happen at any time in Cincinnati, OH. Contactors insurance can help protect you from these accidents. Contractors will face hazards every day and can be held responsible for a number of liability issues. Insurance is the safety net that helps protect you from financial ruin if you find yourself dealing with an expensive lawsuit.

There are two types of contractors insurance you should be aware of when speaking with an agent at Advantage Insurance Network. Liability insurance will cover any injuries or property damage. However, this usually doesn’t cover the cost to replace or repair any shoddy work. Construction liability insurance can be used for injury claims, damage claims, product claims, and copyright claims. It can give you protection from trespassers. When you take over a property at the start of the contract, you assume any liability for what happens on the site. This can include injury to trespassers. You also get protection for independent contractors and subcontractors. Even if these people have the right insurance, they could still sue you if they feel you are responsible for their injuries.

Workers compensation insurance will pay for injured workers and medical expenses or lost wages. It will also pay a death benefit to families for any contractors killed on the job.

Contractors aren’t the only ones who should be concerned with this insurance in Cincinnati, OH. If you are hiring contractors, you want to verify proof of insurance before you allow them to do any work for you. If you don’t, you could be held responsible for any costs if a contractor is injured or an accident occurs on the property. As a contractor, if you don’t have insurance you could be passed up for numerous jobs, affecting the bottom line of your business.

Contact Advantage Insurance Network to get a quote on contractors insurance. 

For those that own a condo, condo insurance is something that you certainly need to take the time to consider. For those that live in the Cincinnati, OH area, the agents with Advantage Insurance Network can help you to create a policy that works for you and your particular condo.

So what is condo insurance? Much like traditional home insurance, a condo policy is going to protect the property itself as well as those that are staying in it and the contents of the condo. If you are renting your condo out or you are not living in it all the time, you may want to make sure that the policy has a renters clause that protects both you and the renter. Condo insurance is not like home insurance in that it does have some special extra clauses that are particular to a condo situation. These policies are tailored to condo living and to special instances that might happen in a condo.

If you own the condo you are certainly going to want to get condo insurance as you have to depend on the fact that the other tenants in the complex are not going to cause damage to the building or that some issue in another part of the building is not going to cause a great deal of issues with your unit. If you are renting you can always take out a renter policy that is going to protect your unit and your possessions within the condo should something happen. You want to make sure your belongings and your space is protected no matter what. For those in the Cincinnati, OH area, the agents with Advantage Insurance Network can help you to find the condo policy that works best for you and for your particular situation.  

A flood is probably the last thing on your mind, but they do happen – even in Cincinnati, OH. For this reason, it’s important to be protected in the event that your property experiences a flood. Water damage is one of the worst experiences a homeowner or business owner can encounter. If you’re considering adding flood insurance to protect your valuable investments, here are three ways you can save money in the process.

1. Compare Several Quotes

It’s important to compare several quotes when choosing flood insurance, especially if this type of insurance is new to you. By looking in detail at more than one quote, you will get a better sense of what flood insurance covers and what it costs. From here, the agents at Advantage Insurance Network can help you understand each quote and determine which one is the best for your needs.

2. Bundle All Your Insurance Policies

Bundling is one of the best and easiest ways to save money on flood insurance. If you like the insurance carrier who currently holds your other insurance policies, like auto insurance, life insurance, and home insurance, consider bundling your flood insurance with them. On the other hand, you can always switch your insurance policies to a new carrier who offers the best discounts for bundling.

3. Work with a Reputable Agent

Working with a trusted, reputable insurance agent serving the Cincinnati, OH are will guarantee your purchase the best flood insurance for your property. Insurance agents understand the quotes and can easily explain the coverage to you.

To learn more about purchasing flood insurance, contact the team at Advantage Insurance Network today.

Restaurant and bar insurance is different than the usual kind of commercial insurance, Advantage Insurance Network, serving Cincinnati, OH, explains. The food and beverage industry’s unique nature can leave an owner legally exposed if a mishap occurs to any of the customers he or she serves

Like other forms of commercial insurance, restaurant and bar insurance will protect you against equipment failure, theft or other crime, a disaster such as a fire or flood, and lengthy downtime because of a natural disaster. However, the main virtue of taking out a restaurant and bar insurance policy is that it covers you in case of harm done to a customer.

Suppose that a customer at your establishment suffers food poisoning or perhaps gets something caught in his or her airway. You can be insured against such expenses as legal fees, medical costs, and the cost of a settlement if your business is sued.

The liabilities of any establishment serving alcohol can be even more daunting. Any experienced bartender or server can tell if a customer is inebriated and strongly suggest that he or she get a ride home. However, some drunken customers can slip through the cracks and leave your establishment, causing a horrendous accident on the road. You, as a business owner who serves liquor, could find yourself legally liable for property damage, injury, and even death caused by the accident your customer brought about. Altercations at the bar itself between customers who have had too much to drink can also lead to legal action.

For further questions about how restaurant and bar insurance can protect you, contact Advantage Insurance Network serving Cincinnati, OH.

Advantage Insurance Network offers contractors in the Cincinnati, OH area a variety of insurance policies that can help to protect against any type of financial loss, including defects in workmanship. As a contractor, quality and professionalism are important aspects of any business. There are times, however, when mistakes are made. Whether the mistakes are caused by defects in materials or defects in workmanship, you have a responsibility to make things right.

Defects in Workmanship

Defects in workmanship can mean anything from miscalculations in measurements or choosing the wrong type of materials. It may also mean that the completed work did not meet or exceed industry standards or the expectations of the client. In most cases, industry standards and company protocols are consistently me without question. It’s during the time when these types of discrepancies are discovered, that an insurance policy is essential.

Defects in Materials

Not every piece of material will be perfect. Defects in materials can result in defects in workmanship. In order to protect the integrity of the contractor’s work, any defective materials must be removed or replaced. If defective materials are used inadvertently, it’s important to correct the problem as soon as possible and maintain the standards of the industry in terms of quality.

The agents of Advantage Insurance Network serve contractors throughout the Cincinnati, OH and provide them with the most effective policy options available. The agents know and understand the ramifications that follow claims of defects in workmanship or the use of faulty materials. Schedule a consultation today to ensure you are fully protected against any type of claim, including those associated with materials and workmanship.

 

According to the World Atlas, there are more than 402,000 motorcyclists registered in the State of Ohio, including Cincinnati, OH. These many vehicles on the road mean a need for motorcycle insurance coverage. This type of insurance is essential for you in order to protect your motorcycle from any financial loss that is accidental in nature. This includes collisions and crashes, other accidents, property damage, and bodily injury.

If you have insurance for your auto it makes sense to protect your motorcycle as well. The Advantage Insurance Network in Cincinnati, OH, through those licensed agents who work with the group can provide you with the information you need to make a well-informed decision about the appropriate motorcycle insurance for you.

Motorcycle insurance is designed specifically for your motorcycle. It is also designed to meet the State of Ohio’s minimum requirements for insurance protection. If you own a motorcycle in the Cincinnati, OH area, you will need to have in place no less than $25,000 in bodily injury liability, $50,000 per accident protection, and $25,000 of property damage liability coverage.

You may also elect to purchase other options for your motorcycle. This includes comprehensive protection that provides you with the peace of mind needed in the event that your vehicle is ever damaged, stolen, or vandalized. You may also add protection against uninsured or underinsured cyclists, and put in place motorcycle insurance coverage for customized replacement parts (like chrome) instead of standard factory parts in the event of a crash or collision.

Advantage Insurance Network of Cincinnati, OH has worked with it licensed professional agents who can assess your need for motorcycle insurance. At a minimum, these agents can provide you with the minimum liability requirements for the State of Ohio. Take the important first step and find out how much insurance protection you need for your motorcycle.