Protect Your Business with the Right Commercial Insurance Policy

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When you run a business, a robust commercial insurance policy is one of the best investments you can make. As a business owner located in the Milford, PA area, you can trust RH Worthington Group to provide reliable and comprehensive coverage for your business.

Assessing Your Business’s Risks and Coverage Needs

The first step to securing the right commercial insurance policy is to assess your business’s risks and coverage needs.

You should identify any potential liabilities and losses that your business may incur and make sure these are covered in the policy. Depending on the type of business you run, potential liabilities may include property damage or injury to staff or customers. You’ll want to make sure that the coverage limits are high enough to cover any costs associated with these risks.

Types of Commercial Insurance Policies

The next step is to decide which types of commercial insurance policies you need.

1. General Liability Insurance

This type of policy covers monetary damages and legal costs associated with bodily injury, property damage, libel or slander, and advertising injuries to a third party.

2. Property Insurance

Property insurance covers losses caused by an accident or theft of your business’s physical property, such as buildings and equipment.

3. Workers’ Compensation Insurance

If you have employees, workers’ compensation insurance is mandatory in most states. This type of policy covers any medical costs or lost wages resulting from a work-related injury.

4. Professional Liability Insurance

This type of policy covers monetary damages and legal costs associated with a professional mistake or negligence. It’s important to note that this type of policy is especially useful if your business provides services such as consulting or legal advice.

5. Product Liability Insurance

Product liability insurance covers any damages that occur due to a manufacturing defect in your product, as well as any legal costs associated with defending a product liability lawsuit.

Choosing the Right Policy for Your Business

Having proper commercial insurance coverage helps protect your business from the financial burdens that come with property damage, theft, medical expenses, and more. At RH Worthington Group, we understand the complexities of running a business and will take the time to assess your risk levels and coverage needs in the Milford, PA area in order to provide you with an appropriate policy that best meets your unique needs.

Our experienced agents will work with you to make sure the limits of your commercial insurance policy are adequate for any potential losses, ensuring that your business is fully protected. Contact us today to learn more about our commercial insurance policies and how we can help protect your business.

Should I have an Umbrella Policy With a Motorcycle?

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Whether you’re a long-time motorcycle rider in the Milford, PA area, or are just beginning to hit the open road, you know that having the right insurance coverage is essential. But should you also consider adding an umbrella policy to your existing coverage?

What is an Umbrella Policy? 

An umbrella policy provides additional liability coverage above and beyond what is already included in your motorcycle insurance policy. It protects you from claims related to bodily injury, property damage, or personal injury caused by yourself or members of your household. It can also cover any legal fees associated with defending such a claim. 

When Should You Invest in an Umbrella Policy? 

It makes sense to invest in an umbrella policy if you have assets to protect, such as a home or investments. This type of coverage can help safeguard those assets if you’re found liable for damages exceeding your existing policy’s limits. It can also protect you if you’re sued for libel or slander, which could be especially important if you own a business related to motorcycles.                    

If You’re Not Sure What Coverage You Need… 

The best way to determine whether or not an umbrella policy is right for you is to speak with an experienced insurance agent at RH Worthington Group, who can assess your needs and determine the best course of action for protecting yourself and your loved ones. Our agents understand the needs of motorcycle riders in Milford, PA and can provide personalized advice and guidance on how much coverage may be necessary for your particular situation. 

Give Us A Call

If you’re considering adding an umbrella policy to your existing motorcycle insurance coverage, contact RH Worthington Group today for more information about how we can help protect you from potential liabilities associated with owning a bike!

The Difference Between Full Coverage and Limited Liability Insurance

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One of the biggest choices drivers have to make is between “full coverage” and “Limited Liability” insurance. The differences between these two types of insurance are pretty stark and can have a major impact on premiums, what’s covered, and more.

If you have any questions, feel free to reach out to RH Worthington Group, which serves Milford, PA and many other communities.

Let’s dig into the details of both full coverage and limited liability:

Limited Liability Insurance Outlined

Some drivers choose to take out limited liability insurance. In many cases, the insurance premiums for limited liability insurance are cheaper than full coverage from the same company. That said, it’s important for policyholders to read the fine print of individual insurance policies closely.

As the name implies, limited liability insurance only covers certain things. Often, a limited liability plan will not cover damage to the policy owner’s car. Instead, if the driver gets in an accident, he or she may have to cover the damages out of pocket. The driver may also not be covered in the event of weather damage or theft.

Limited liability insurance will often cover damage to other cars caused by the policy owner. This ensures that other motorists will be compensated should they be injured in an accident that wasn’t their fault. Coverage for other parties often includes medical bills and related costs, but once again, each plan should be examined closely.

Full Coverage Insurance Explained

Full coverage insurance, also known as comprehensive insurance, provides expanded coverage. The specifics of the coverage can vary, but some comprehensive insurance plans will cover theft, weather damage, and damage to the policyholder’s car, even if the holder caused the accident.

Give Us A Call Today

If you’re exploring insurance options, contact RH Worthington Group, serving Milford, PA and surrounding areas.

Tips to prepare your house before a storm

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RH Worthington Group has been serving Milford, PA area residents for all their home insurance needs. We understand the challenges that come when you own such a valuable asset. For example, no one ever wants to be caught in a storm without proper preparation. The same goes for our homes – we want to be sure they are ready for anything that comes their way.

Here are some tips to help you get your house in order before the next big storm hits:

1. Check your roof.

Before a storm hits, be sure to check your roof for any signs of damage or leaks that could cause damage once the weather worsens. If you notice any issues, be sure to get them fixed so that you’re not left with major repairs later on.

2. Stock up on supplies.

You should always have a basic emergency kit on hand, and this is especially necessary during storm season. Make sure you have enough food, water, medicines, and other supplies to last your family for at least 72 hours in case you are unable to leave your home.

3. Secure important items in your house.

During a big storm, it’s important to do what you can to protect your valuable possessions and keepsakes. This might mean securing furniture in place, making sure that expensive electronics are plugged into surge protectors, or even moving things to higher ground if you’re in an area prone to flooding.

4. Keep a weather radio on hand at all times.

This is one of the easiest and most important ways to stay on top of the weather during a big storm. A weather radio will allow you to keep up with any warnings, watches, or other major updates that may impact your area.

Get Home Insurance Today

Be sure to get or update your home insurance policy before a storm hits. For more tips on how to get ready for a storm, call RH Worthington Group today. We proudly serve the Milford, PA area.

Umbrella Insurance Takes Over Where Other Policies Stop

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Do you live in the Milford, PA area? Are you concerned about protecting all you have worked hard to accumulate? Let our team of insurance experts at RH Worthington Group explain the benefits of an umbrella insurance policy.

What is umbrella insurance?

It is liability coverage that offers extra financial protection in the event that an unforeseen event happens that you are responsible for that injures someone or damages their property.

If you have significant wealth or assets, it is worth it to purchase an umbrella policy. The liability limits that are on your homeowners and auto policies probably will not be adequate in the event you are sued for a dog bite, accidental injury to someone else, or a car accident in which you are at fault.

An umbrella policy will provide the additional liability coverage you need to help cover the cost of injury to someone else and any damage to their property. It will not cover damage to your car, home, or possessions. It is strictly extra liability protection beyond the limits of what your car or home insurance provides.

In addition to providing coverage for injuries to others, it covers property damage and helps with payment if you are being sued.

Anyone with assets of up to $5 million or more needs the protection umbrella insurance provides. Don’t put everything you have worked hard for at risk. Protect the things that matter most in your life. That extra layer of protection can make the difference between financial survival and financial destruction.

Begin living with a feeling of financial security today

Contact us at RH Worthington Group in Milford, PA for a no-obligation quote or answers to any questions you may have. We will be happy to help. 

Four types of auto insurance coverage you should have

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When you’re in the market for auto insurance in Milford, PA, you should familiarize yourself with the different types of coverage. At RH Worthington Group, we provide complete coverage for vehicle owners.

There are numerous types of coverage that you should include in your policy.

The following are four types of auto insurance coverage that you should have:

Liability coverage

Liability coverage is the most important type of auto insurance coverage to include in your policy. Liability coverage is required by law. It protects you from expenses that can result from a lawsuit against you as the result of an automobile accident. 

Collision coverage

Liability coverage won’t allow you to file a claim to have repairs to your own vehicle covered after an accident. 

You need to include collision coverage in your policy. Otherwise, you will have to pay out of pocket for repairs to your vehicle if those repairs are not covered by the insurance policy of another motorist involved in the accident. 

Comprehensive coverage

Comprehensive coverage compensates you for certain causes of damage to your vehicle that aren’t the result of a vehicle accident. Comprehensive coverage covers damage from vandalism, collisions with animals, and natural disasters. 

Uninsured and underinsured motorist insurance

You can get additional coverage by purchasing uninsured and underinsured motorist coverage.

This type of auto insurance provides you with added coverage if you get in an accident with a motorist that is uninsured or underinsured. This type of coverage is important because there are unfortunately many uninsured drivers out there. 

Get Auto Insurance Today

Do you have questions about auto insurance coverage options in Milford, PA? Contact us at RH Worthington Group to learn about our auto insurance policy features. 

The Commercial Insurance You Need in Pennsylvania

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If you are a business owner in Pennsylvania, there are a number of insurance policies that you should have to protect both yourself and your business. There are two types that may be required for you, and there are many other types that aren’t mandated but are helpful. These include cyber insurance, business owners’ insurance, premises liability, and more. When you need the right insurance to cover your business, call us at RH Worthington Group in Milford, PA.

The Commercial Insurance You Need

Workers’ Compensation Insurance

This type of commercial insurance covers your employees in case they contract a work-related illness or have an accident while on the job. When either of these happens, you will be liable for their medical bills and other expenses, including their legal costs. You may even have to pay them disability payments after the accident. When you have workers’ compensation insurance, the policy will cover those expenses to save your business from owing them. This is required in Pennsylvania no matter how many employees you have, how often they work, etc. It’s even required for seasonal employees. Make sure you have this coverage in place at all times to comply with the law as well as to stay protected. 

Commercial Auto Insurance

When your Pennsylvania business owns one or more vehicles, each of them has to be covered by a commercial auto policy. This is extremely helpful for managing your liability risk. There are several types and amounts of coverage that has to be in the policy, but you can add more coverage if you choose. The amounts of coverage that are required are very low, so it’s generally recommended that business owners increase those amounts to having better protection against serious accidents.

Get Coverage For Your Business

If you need commercial insurance policies to better protect your business, give us a call today at RH Worthington Group in Milford, PA.

Is Auto Insurance Required in Pennsylvania?

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The auto insurance agents at the RH Worthington Group in Milford, PA want all Pennsylvania drivers to understand that they must have at least an auto liability insurance policy in place to be able to legally drive any motor vehicle on public roads, streets, and highways in the state. This type of insurance coverage will cover any injuries or property damage that you can cause if you are involved in an accident, but what are the other auto insurance coverage options you can choose to have on your policy?

Other Types of Auto Insurance

In addition to auto liability insurance, there are several other coverage options that you can choose from to create an auto insurance policy that works best for you and your situation.

Underinsured and Uninsured Motorist Coverage

Uninsured or underinsured motorist coverage can help you if you or are the victim of an accident caused by a driver who does not have any insurance to cover damage to your vehicle or injuries to you or your passengers. This type of coverage will also help pay your medical bills and repair bills if the person doesn’t have an adequate amount of auto insurance.

Comprehensive and Collision Insurance

Comprehensive insurance will protect your vehicle if it is damaged by a natural disaster or some other type of incident, such as vandalism or even a fire. It can also help you replace your vehicle if someone steals your SUV, car, or truck.

Collision insurance coverage will come in handy if you collide with another vehicle or even a stationary object. For example, if you sideswipe a parked car or you back into a pole, this type of coverage will help repair your vehicle in any damage you did to the other object.

Both collision and comprehensive auto insurance may be required by your lender if you borrowed the money you needed to purchase your vehicle.

Give Us A Call

To create the best type of auto insurance policy for you that will provide you with the adequate amount of coverage that you need, contact the knowledgeable and experienced agents at the RH Worthington Group in Milford, PA today!

What Should I Look For In A Home Insurance Policy?

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You should be able to choose between three different alternatives when purchasing an insurance policy: the actual cash value, the replacement cost, and the assured or extended replacement cost. 

If you choose the option labeled "real cash value," you will be compensated for the amount of money according to the actual market worth of your home and belongings. For the right home insurance policy, check with RH Worthington Group in Milford, PA. 

Home Insurance Policy: What You Need To Know

If you choose the "replacement cost" option, you will be reimbursed for the amount it would cost to restore everything with brand new versions. If you have coverage with a greater deductible, your monthly payments (premiums) will be lower, whereas if you have a policy with a lower deductible, your monthly payments will be higher. 

Check out how many of their previous clients continue to use their services before deciding which company to partner with. Since referrals from friends and relatives are typically right, consider inquiring about the insurance firms that they would recommend to you via word-of-mouth. 

Regarding the potential for loss, house insurance firms assign considerable weight to the homeowner’s history of filing claims against their own policy, as well as claims pertaining to the insured property and the homeowner’s credit. When determining rates, a significant amount of weight is given to the number of claims made and their seriousness. This is especially true when there are several claims connected to the same issue, such as water leaks, wind storms, etc. 

Give Us A Call

If you decide to go with a plan that has a high deductible, you should ensure that you have enough funds to meet that deductible in case of a worst-case scenario. You should check on your finances before making a decision. For expert insurance advice, reach out to RH Worthington Group in Milford, PA.

5 Mistakes People Make When Buying Umbrella Insurance

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Most people know they need insurance to protect their homes, cars, and health. But too few realize the importance of umbrella insurance. Umbrella insurance provides an extra layer of protection against major liability claims and lawsuits, which can easily drain your savings and assets. If you’re considering buying umbrella insurance, RH Worthington Group in Milford, PA offers this guide on five mistakes to avoid.

Umbrella Insurance: What You Need To Know

1. Not Understanding What Umbrella Insurance Covers

Umbrella insurance is designed to protect against major liability claims and lawsuits. It typically covers expenses related to bodily injury, property damage, and certain personal liability situations. But umbrella insurance doesn’t cover everything – be sure to read the fine print to know what’s included and what’s not.

2. Buying the Wrong Amount of Coverage

Many people underestimate the amount of umbrella insurance they need. A good rule of thumb is to buy coverage that’s equal to at least 1-2 times your net worth. This will ensure you have adequate protection in case of a major liability claim or lawsuit.

3. Not Reading the Fine Print

When buying umbrella insurance, it’s important to read the policy carefully to know what’s covered and what’s not. Otherwise, you could be left with unexpected out-of-pocket expenses if you have to make a claim.

4. Lying or Omitting Important Information

When applying for umbrella insurance, it’s important, to be honest about your assets and income. If you lie or omit important information, your policy could be void if you have to make a claim.

5. Going With the First Policy You Find

It’s important to shop around and compare policies before buying umbrella insurance. Not all policies are created equal, so be sure to find one that meets your needs and budget.

Get Umbrella Insurance in Milford, PA

Umbrella insurance is vital for financial protection, but only if you avoid these five mistakes. RH Worthington Group can help you find the right umbrella insurance policy for your needs. Contact us today for a free quote.