Barbers offering modern haircuts are on high demand these days. With the surge in the number of people visiting these areas, any barber needs to be cautious and vigilant. They need to protect the health, property, and safety of their customers. With this in mind, purchasing commercial insurance needs to be a priority.

You may ask, ‘do I really need commercial insurance for my barbershop?’ Well, the answer is yes. Here’s why.

Helps in Case Someone is Injured in Your Shop

Commercial insurance will come in handy whenever you are supposed to cover medical bills when a customer gets injured in your shop. When someone trips and falls on the floor breaking their arm, commercial insurance will cater for the damages that may accrue.

Additionally, this policy may cover issues related to property destruction. Take an example, where an employee accidentally spills hair bleach on a customer’s expensive bag. Commercial liability insurance offered by Old Pueblo Insurance will protect you against such accidents, misleading or false advertising claims as well as copyright infringement.

Cover Interruption Costs in Case an Insured Risk Occurs

Let’s say following a storm in Oro Valley, AZ, your business is disrupted and you are forced to close down. Who will pay for the lost time? Lost money? This is where your commercial insurance relieves you of this stress. With commercial insurance on your barber shop, you will be able to recoup any money you may have lost because of failing to operate.

This coverage will go a long way to cover for any lost profits and will help you get on your feet after the accident. Additionally, this policy may cover your employees’ salaries until you get your business on the go or relocate.

Any barber needs to purchase commercial insurance. If you live in Oro Valley, AZ and you would like to earn more about the policy, then do not hesitate to contact Old Pueblo Insurance. They will answer your questions and help you get the right policy to help you through.

For decades the federal government has quietly underwritten flood protection across the country to reduce the potential losses to communities when a flood occurs. Under the National Flood Insurance Program, or NFIP, the federal government offers flood insurance coverage which is then administered and sold to consumer through private insurance companies working as middleman parties. Flood insurance in general is not required coverage for a consumer in Oro Valley, AZ or elsewhere unless he or she lives in a recognized flood plain, determined by the Federal Emergency Management Agency, or FEMA. A flood plain is essentially a region known for regular flooding, and the frequency is rated in years of likely flooding again. So a 100-year flood plain, for example, has a chance of a disastrous flood every 100 years. If so, affected homes with mortgages then have lender requirements for flood insurance to protect the outstanding loan if a flood occurs (otherwise the home as collateral becomes worthless when damaged). So, if a person is in a certified flood plain with a mortgaged home and coverage requirements, then flood insurance will be required and most likely associated with NFIP. Otherwise, a homeowner can choose to buy flood insurance as an option, which is also supported by NFIP.

The Old Pueblo Insurance group can explain known flood plain risks for Oro Valley, AZ residents and how NFIP works. Their expertise can wade through a lot of the bureaucratic language in coverage reference and get right to the point as to what is required, what is optional, and what protection it will provide. To find out more, give the folks at Old Pueblo Insurance a call or email when you have a minute. The information you get may protect your home better than before.

It is essential that your insurance company understand the individual experience for a local area. In Oro Valley, AZ, Old Pueblo Insurance gives you the local experience that you need to keep your classic car protected in any situation.

Only Old Pueblo would know about the hazards that are specific to the Oro Valley in Arizona. No matter what kind of car you have, you need a policy that deals with the unique problems that people living in this area face. Arizona is known for many natural hazards, including animal and environmental hazards, that can easily damage a vehicle if the owner is not careful.

The great state of Arizona also comes with many reckless roads that people love to take on. This is exactly why Old Pueblo Insurance offers classic car insurance.

Insurance is meant to protect investments, especially investments that cannot be replaced. Only a local insurer really understands the situations that could occur in the local area with a classic car. This is why a local insurance policy from an established company is the best route for most people. Planning is essential if you want to protect and build upon your current lifestyle. No one expects to have an accident – this is precisely why dedicated insurance agents with experience come in with hard data instead of conjecture and anecdote.

When it comes to Oro Valley, Old Pueblo Insurance covers all of the hidden holes. Old Pueblo require. If you are looking for a total package insurance company for your classic car in Arizona, Old Pueblo Insurance may be just the insurance partner for you.

Commercial insurance is a common term that is well-known across the insurance industry. Basically, it has to do with providing coverage as protection for businesses against potential losses through unexpected situations such as property damage, liability, injury, and theft. Also, such coverage may also be necessary in the event of an interruption of business.

Actually, it can be quite challenging for small business owners to know the right amount of insurance suitable for their company needs. The only way this can be easily corrected is by having the right insurance policy. As a matter of fact, this can go a long way in saving lots of money for any business venture.

Selecting an Insurance Plan

There are several companies in Oro Valley, AZ that require commercial insurance but they do not know what will be the optimum for their business. No doubt, it can be quite expensive to buy health, property, and liability insurance along with Workmen’s Compensation. To this end, it is imperative to assess your business’ needs, as well as the type and amount of insurance that is required.

Finding and working with a reputable insurance company like Old Pueblo Insurance can help you obtain a better idea of what type of insurance that would work best for you, as well as knowing how much it will cost.

Obtaining the right amount of insurance

Before a professional insurance agency like Old Pueblo Insurance can work with you to determine how much insurance your business will require, you will first need to evaluate your assets and liabilities. These include overhead, salaries, business volume, and property. Once this is done, you are good to get started.

In Oro Valley, AZ, you stand to have greater peace of mind when you work with a reliable insurance company. If you own a business property with several employees, you might want to consider the comprehensive coverage.

Some may consider renters insurance to be the equivalent of home insurance for those that are renting their house or apartment. In some ways this is true, but with some differences. In any case, it is a relatively cheap and effective way to mitigate costs in the event of a disaster. If you are in the Oro Valley, AZ area, consider consulting with Old Pueblo Insurance to see if they have a plan in your price range.

Your Personal Belongings

Just because you do not own the home doesn’t mean that you will face a great deal of property loss. Renters insurance can cover the furniture that you have brought to the rental property. It will also cover your electronics, clothing, and other personal items that are specified within your policy. Some high-value items, like collectibles or jewelry, may have limited or conditional coverage.

Liability

If you are responsible for a guest being injured on the property, your insurance plan can cover legal and medical costs. There are limitations to coverage, as specified by the policy.

Downtime From Your Home

If a disaster is so horrible that you have to temporarily live outside of your house, many policies will cover such costs. Things like hotel bills, food, and transportation may be covered in such events.

Renter insurance is a good idea in many cases since most landlords will not provide it. If you are unsure if your landlord covers you, it should be clarified in the contract prior to renting. If you need an affordable plan that covers your current living situation in Oro Valley, AZ, give Old Pueblo Insurance a call.

 

While you’re searching for flood insurance in the Oro Valley, AZ area, there are probably a bunch of questions going through your head. While you’re preparing for your meeting with an insurance agent from Old Pueblo Insurance or another company, here are some important questions that you probably want to think about.

1. Should I Buy Flood Insurance?

This is likely the first question you have for your Old Pueblo Insurance agent, and the answer is: it depends. If you’re going to buy a house that has a federally-backed mortgage in a high-risk flood area, then it’s mandatory to buy flood insurance. On the other hand, if you’ve paid off your mortgage or inherited your house, then the choice to buy flood insurance is up to you. If your house is in an area in Oro Valley, AZ that participates in the National Flood Insurance Program, you can still buy a policy, but it will be a privacy policy and likely more expensive than a regular policy.

2. What Does Flood Insurance Cover?

Flood insurance protects your home from rising waters, mudflows, and inundation, which is when water covers land that’s normally dry. However, your policy won’t cover a landslide, which is when the disaster results in pieces of moving earth and debris.

3. How Much Can I Insure My Home For?

A homeowner is able to insure a property for up to $250,000, and the homeowner can insure the contents of his or her home for up to $100,000. However, if you own a business, the limits for your establishment and the location’s contents both go up to $500,000. According to a study from the University of Pennsylvania, half of all claims from 1980 to 2012 were for less than 10 percent of the value of a single-family house. Seven percent of claims, according to the study, were for more than 75 percent of the house’s value.

When you’re driving along the rim of the spectacular Grand Canyon on your motorcycle, the last thing you want to worry about is your insurance. Fortunately, there is an easy way to get all that sorted out by contacting your Old Pueblo Insurance representative in Oro Valley, AZ.

Essential Motorcycle Insurance Policies

Arizona requires all riders to purchase liability and property damage policies for accidents that they cause. Unfortunately, not all motorists comply with these laws. This could leave you paying for expensive repairs to your two-wheeled baby.

Alternately, you could end up liable for injuries suffered by yourself or a passenger. Comprehensive insurance policies can be customized to meet your needs and cover the gap if you are hit by an uninsured or underinsured motorists.

Tailor Your Policy to Meet Your Needs

Don’t wait for a tree to fall in your bike to understand your insurance policy. In addition to liability and personal injury, look into comprehensive policies to cover yourself and your bike. This is especially important if you have customized or expensive parts.

Choose from a variety of policies including towing and labor, accessory coverage for electronics and side cars. You can even get coverage to transport your bike via transport trailer and for certain non-accident events.

Comprehensive Coverage

With comprehensive insurance policies, you have the option to purchase more than the minimum coverage for accessories and custom parts. It can also provide better coverage in case you hit an animal or other large object.

Contact Us

Ask your Old Pueblo Insurance representative for guidance on which comprehensive insurance policies would work best for you in Oro Valley, AZ. Ask about coverage for your bike that includes fire, vandalism, severe weather and theft.