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Pest Problems in a Restaurant: Will Commercial Insurance Help?

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Running a business is often a complex process that requires individuals to tweak their policy as appropriately needed. At RH Worthington Group, we can help answer any questions Milford, PA businesses may have about coverage, including whether pest damage is included.

What Your Policy Does Cover 

Understanding what your commercial insurance covers will help to make sure you don’t suffer a significant loss. For example, your policy should cover property damage to various items, like furniture, tools, equipment, and inventory. And it will help to pay for your business loss if you end up suffering from a covered issue that requires you to shut down for a specific time. 

What about pest coverage? This situation is usually complex because most commercial insurance policies will state that pests are a negligence issue. In other words, you are at fault because you did not take the steps necessary to get rid of mice, termites, ants, bees, or other pests in your business. Therefore, your policy is not likely to cover you in this situation, which may be frustrating. 

You may be able to talk to your provider about pest-control insurance and get some help. That all depends on the comprehensiveness of your policy and what your company is willing to do for you. Take the time to understand this situation by reaching out directly to your insurance provider. 

Give Yourself the Help You Need 

If you aren’t sure whether your policy is right for your needs as a business, contact us at RH Worthington Group right away to learn more. We serve Milford, PA, and the surrounding areas and will do what we can to help your company get the protection it needs.

Who needs auto insurance in the Milford area?

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The Milford, PA area is a great place to live as there are a lot of recreational options in the area and professional opportunities to pursue. If you are going to move into this area of the state, owning a car will quickly be considered a top necessity. If you would like to purchase a vehicle here, you also need to consider your insurance needs. There are various situations in which someone will need to have an auto insurance plan here. 

When Taking Out an Auto Loan

A situation when you are going to need auto coverage is when you are taking out an auto loan. Those that are going to purchase a vehicle with a loan will be required to carry a full auto insurance plan at all times. This can include requiring you to maintain both collision and comprehensive insurance. 

When Driving on a Public Road

If you are going to drive a car on a public road in Pennsylvania, you will always want to comply with state law regarding your insurance needs. In almost every situation, this means you will need to maintain a liability insurance plan that ensures you can cover damage you may cause in an accident. If you do not have this protection, you could face various penalties in the future. 

People that are in the Milford, PA area and need to get an auto plan for their vehicle should speak with the team at RH Worthington Group as soon as possible. If you are going to look for coverage, you will quickly find that there are a lot of different choices to consider. The team with RH Worthington Group can help you assess your options and choose a plan that will provide you with ideal coverage. 

What a Homeowners Insurance Policy Provides

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For the most part, homeowners insurance policies are customizable. You can select the cover you need for your Milford, PA home and choose not to include certain items. However, some things are standard elements included in basic homeowners insurance policies. 

Please continue reading to learn more about what a homeowners insurance policy provides you, and then give us a call at RH Worthington Group to learn how to customize your policy. 

Your Home

Most insurance policies cover the interior and exteriors of homes in the event of fire, lightning, vandalism, and other covered incidents. Additionally, freestanding structures, such as garages or sheds, may also be covered under a standard homeowners insurance policy. Finally, most insurance policies offer coverage to pay for a hotel should your home be damaged to the point where it is unlivable. 

Personal Property

Items such as clothing, furniture, appliances, and other contents within your home are covered under your homeowners insurance policy. If needed, you can add “off-premises” coverage for storage units or other locations where you might be keeping the personal property. Additionally, some high-priced items may need extra coverage. Contact your insurance agent to determine how much of your personal property is covered.

Personal Liability

Homeowners insurance with liability coverage protects you when others become injured on your property. This clause includes pets, so should your dog bite someone, your insurance covers their medical expenses. Liability insurance also covers you in the event someone sues you for their injury at your home. 

There are many options available for your homeowner’s insurance policy in Milford, PA. You can easily customize it to include the coverage you need to protect your home, yourself, and your family. To learn more about standard homeowners insurance coverage and what is covered, give us a call at RH Worthington Group. 

How Does Umbrella Insurance Work?

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One of your top priorities should be protecting your family and assets. However, even with your existing policy, getting additional coverage for extra protection is good. That is what we call umbrella insurance. If you reside in Milford, PA, and are not sure about getting an umbrella policy, RH Worthington Group takes you through how umbrella insurance works.

How It Works

An Umbrella insurance policy protects you and your assets in two ways.

  • Provides coverage when the limits of auto, homeowners, and boat insurance have been exhausted
  • Provides coverage for specific claims excluded in other liability policies like slander, false arrest, and libel. 

What it Covers

Umbrella insurance protects what your other insurance policies do not cover. Generally, it provides liability coverage for property damage, injuries, some lawsuits, and personal liabilities. You probably think your homeowners and auto insurance has you covered in some of these scenarios. And while that is true, umbrella insurance goes beyond the limits. Examples of Umbrella policy coverage include;

  • Bodily Injury Liability- Helps cover expenses arising from bodily harm to another person. For example, consider an instance where your guest’s child gets hurt in your yard, or your dog causes damage to your neighbor. All medical expenses and any liability claims arising from those injuries are covered under umbrella insurance.
  • Property Damage Liability- Helps cover the cost of damage to another person’s property. For instance, it could damage someone’s home due to a car accident where you were at fault.
  • Owner Rental Units- provides cover against any liability you might face when you are a landlord.

Umbrella insurance also provides coverage when sued for malicious prosecution, slander, libel, and mental anguish.

What Is Not Covered

There are certain situations not covered in an umbrella policy, including;

  • Your own injuries and damage to your personal items
  • Intentional criminal acts that cause damage to another person
  • A Liability associated with a contract you entered.

It is good to understand how an umbrella policy gives that extra protection you need. Residents of Milford, PA, looking for more information on the umbrella policy can contact RH Worthington Group Insurance and get assistance.

What coverage will I get with my auto insurance in Milford?

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When you are a resident of the Milford, PA area, you will want to know that you have an efficient way to get around the community. One way that you can do this is by investing in a car or other vehicle. Along with your vehicle purchase, you should also get auto insurance. Those that have auto insurance can receive several types of coverage that can prove to be quite valuable.

Coverage to Replace Vehicle if Needed

One of the reasons you should have auto insurance is to have the support to replace your vehicle in some situations. If you have a stolen or damaged your car in an accident, the cost to replace it can be significant. Fortunately, you can do this if you have a collision and comprehensive insurance plan, as it will provide the resources you need in these scenarios.

Liability Protection

Vehicle owners are going to take on liability risk regularly. If you decide to invest in a full auto insurance plan, you will also receive liability insurance coverage, which can help cover your cause’s damages. This coverage will also be required by state law in Pennsylvania. If you do not have it, you could be penalized. 

If you are going to buy a vehicle in the Milford, PA area, you need to have proper insurance protection at all times. As you are looking for your next plan in this area, calling the RH Worthington Group can be a great option. There are some important factors to consider when looking for insurance coverage and RH Worthington Group can help ensure you make a wise decision. The team here can also help ensure you remain properly covered at all times with a plan that is ideal for your situation.

Why you need a business owner’s policy

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The business owner’s policy (BOP) provides the four most essential policy types in one bundle for a reduced premium payment than you would be charged for separately purchasing each policy. It provides the foundation on which all other commercial policies are added.

RH Worthington Group, serving Milford, PA, wants you to carry the insurance that will protect your business. The types of commercial insurance you need vary depending on your business type. A dry cleaner would need different policies than a doctor’s office. The one commonality all share is the need for a business owner’s policy.

The BOP provides the foundation for all other policies. It includes liability coverage, personal property protections, structural property protections and covers the business for damage from specifically named perils. Those perils typically include hail, hurricane, fire, tornado, etc.

These insurance types form the four corners of the foundation of every commercial policy. Every business needs these. The beauty of the BOP is that you can add on any other commercial policies you need, whether malpractice for a doctor or inland marine insurance for a dry cleaner.

The BOP also saves you about 20 percent of the premium cost of purchasing these four essential policies separately. This helps every business since most have tight budgets.

You can customize the amount of coverage in your BOP. They all contain the same four policies, but you can set the amount of coverage you desire. Your business might require a $1 million liability policy, and you can have that within your BOP.

Contact RH Worthington Group, serving Milford, PA, today to learn more about insuring your company with a BOP. We can help you determine which of the more than 20 varieties of commercial insurance you need to add to it, too.

4 Tips to Prepare for Insuring Your Valuables

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Do you know the best way to insure your valuable belongings? There are some key things you’ll need to keep in mind and do to get ready for putting together an insurance policy. Expert agents at RH Worthington Group of the greater Milford, PA area will be able to discuss your needs and help you get the right amount and type of coverage. 

Notice What Your Homeowners Policy Doesn’t Cover

It’s important to note that home insurance may have some coverage for your personal items on your property, but it will likely leave a lot to be desired. You may have a serious coverage gap when certain items’ value is higher than the limit on your policy. 

Ask About a Separate Policy

That’s why it’s a good idea to have a separate policy for scheduled personal property. You’ll get higher limits and should have coverage for different risks that aren’t in your standard policy. You can have it set for particular items and their appraised value amounts. Examples of these items include jewelry, antiques, musical instruments, collectibles, and fine art. 

Take an Inventory

Go around your home and inventory the items for which you’d like to have insurance coverage. You might photograph them and bring in receipts when you visit the insurance agent. 

Repeat the Process 

It would be best if you took an inventory at least once a year, keeping your insurance agent informed of new personal items you’d like added to the policy. This way, you’ll avoid stress later on when you realize you cannot get the funds to replace some things that have become damaged or stolen. 

RH Worthington Group has your best interests in mind. Serving the residents of Milford, PA, we’re proud to offer protection against loss and damage in your home.

What is umbrella insurance and why do I need it

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When it comes to umbrella insurance, it is not well understood. It causes a lot of confusion, and if you are not quite sure exactly what it is and why you would want to have it, you are not alone. Many people believe umbrella insurance is only for the very wealthy, and nothing could be farther from the truth. At RH Worthington Group in Milford, PA, we are an independent agency, and we strive to provide our customers with great service and lots of choices. 

Umbrella insurance is liability insurance. It is excess coverage above, and beyond the coverage you already have on another insurance policy. Many common insurance policies offer liability protection, including home, auto, and commercial insurance. What this means is umbrella insurance is something that can benefit individuals as well as businesses. Other types of insurance such as renters, condo, and boat insurance also have liability coverage. 

Think of umbrella insurance as a real umbrella. When it starts to rain, it provides protection. If you represent your assets and your umbrella represents the umbrella policy, you can visualize the type of protection this policy provides. 

When someone sues you, no matter the reason for the action, you are always in danger of losing. Even if you don’t lose, the legal fees attached to the court case can be quite staggering. An umbrella policy adds an additional layer of liability protection that will affect when your primary policy has reached its maximum. A typical umbrella policy offers somewhere between one and five million dollars in additional security. Given the financial amounts judgments can rise to, this is the level of coverage you need to protect yourself from losing your hard-earned assets. 

Contact RH Worthington Group in Milford, PA for all your insurance needs.

What auto insurance is required in Pennsylvania

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Pennsylvania is not one of the larger states, being 32nd, but when it comes to miles of roads, it is 19th with 250,000. It is a great place to ramble along the back roads and enjoy the scenery and history. Like most other states, Pennsylvania does mandate basic insurance coverage. If you live in or near Milford, PA, the RH Worthington Group is an independent agency that works for our clients. We make sure you have the right coverage for your needs and are in compliance with the law. 

You are required to have auto liability insurance. In Pennsylvania, it is 15/30/5. This is fundamental coverage, with $15,000 injury coverage for a single person maxing out at $30,000 per accident. Property damage is only $5,000. If you drive without auto insurance, you may be liable for the following penalties:

  • A fine of at least $300
  • Your license is suspended for 3 months.
  • A loss of your vehicle registration for 3 months
  • A fee to get your license back
  • A fee to get your vehicle registration back

If your vehicle has an auto loan or is leased, there are other insurance requirements. The vehicle itself needs to be protected with comprehensive and collision coverage. 

But is the required insurance enough coverage to protect you? The simple answer is no. The liability insurance requirements are very low. The $5,000 property damage will leave you paying a lot of money out of pocket if you are the responsible party in an accident with anything but an old clunker. 

Talking to an insurance agent you trust can help make sure you are adequately protected. At RH Worthington Group in Milford, PA, we take the time to get to know our clients and make sure they have all the protection they need. Give us a call to set up an appointment for a no-obligation quote. 

When does a business need to have commercial insurance?

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Anyone from the Milford, PA area knows that the area has a strong population base and continued support for small businesses. While this can provide you with a great place to live, it is also a great place to start a small business. When you start a company in this area, you need to ensure that you get proper coverage for it. There are several situations when having commercial insurance is a necessity.

When Raising Capital

A common situation when a business will need to get commercial insurance is raising capital for its organization. Many small businesses will have to take out a loan or raise equity to move the business in the right direction. Besides getting the money, most companies will have to provide evidence of full commercial insurance coverage first. 

When Hiring Staff

Another situation when you will need to have a commercial insurance policy is when you are going to hire a new team. Once you have started hiring employees, you will need to carry workers’ compensation insurance. This is an important form of coverage that will protect your employees if they get hurt while working. Having this is a requirement once your team reaches a certain size.

Those that are in the Milford, PA area will need to get proper insurance. As you are looking for a new policy here, you should speak with the RH Worthington Group team. If you speak with RH Worthington Group, you will quickly find that the team is experienced and understands the risks of starting a company. They can then provide the guidance that is needed to help you build a new policy.