Commercial Insurance Options for Restaurants

Commercial insurance protects businesses from serious concerns and minimizes many legal and damage issues. At Pro Insurance Group serving Follansbee, WV, we can provide you with the high-quality coverage that you need at a price that makes sense for your needs. 

What Restaurant Insurance Covers 

Commercial insurance for restaurants typically falls under a specific heading. It is designed to cover all of the potential cost risks that may impact a restaurant and its operation. It covers many different elements of operation, including liability, worker’s compensation, and much more. 

Some restaurants may need commercial insurance policies to pay for any delivery vehicles they may own. This doesn’t mean that they cover their employees’ personal vehicles, of course. Just that they pay for any cars, trucks, or vans used specifically for delivering goods for your company.

Businesses That Need It 

Many types of businesses may fall within the restaurant heading. These aren’t just the types of places you might immediately think, either. They include destinations like:

  • Any bar that serves food
  • Taverns that may also serve foo a nd drinks 
  • Diners, including all-night eateries 
  • Delis and other sandwich shop options 
  • Food delivery organizations 
  • Pizza shops and other specialty restaurants 

Food trucks may also need this type of insurance policy. However, they typically have a specialized policy that must be bought and paid for to get the best results. Make sure you talk to your insurance provider to learn more about your options in this situation. 

Help is Available for You

If you need high-quality restaurant insurance or any other type of commercial policy, you need to work with us at Pro Insurance Group near Follansbee, WV to get help. Our team will work directly with you to ensure that you are satisfied and prevent the kind of long-term issues you’d otherwise experience.

Home Insurance FAQ

When you purchase a home, it is wise to invest in adequate insurance to protect your home and its contents. That is where home insurance comes in. It covers three main areas depending on your policy wording. These are physical damage, theft, and legal liability. The folks at Pro Insurance Group serving the area of Follansbee, WV often encounter the following queries:

Is Home Insurance only for Homeowners?

The answer here is no. Broadly speaking, there are six (6) different types of home insurance available depending on your needs, the type of home you have, and whether you rent your property or own it.

  • Basic
  • Broad
  • Special
  • Tenants Broad
  • Comprehensive
  • Special Condominium

Are there Deductibles?

Yes, normally there are provisions for deductibles for the section that deals with losses. In West Virginia, depending on the policy wording, the amount will vary. Some companies may offer higher deductibles in exchange for reduced premiums.

What is the difference between Replacement Cost and Actual Cash Value?

Replacement cost pays to repair or replace your property after a loss. Actual cash value is the replacement cost less depreciation and is the lesser coverage of the two options.

How is my premium determined?

There are several factors at play here. These include but are not limited to:

  • Type and amount of coverage you require
  • Your claims history
  • The level of security on your property
  • The home itself – the value, the age, the materials it is built from

Act Now!

Do not make the mistake of thinking that you do not need home insurance. Home insurance provides protection when your home is upside down from physical loss, theft, or even legal liability. Contact the Pro Insurance Group serving Follansbee, WV today and make sure you are adequately protected against every eventuality.

What’s the Best Way to Shop For Auto Insurance?

Are you having a hard time finding a car insurance policy? Pro Insurance Group serving Follansbee, WV can help you find the coverage that you want by teaching you the three easiest steps for shopping for high-quality insurance options.

How to Shop for Insurance 

If you’re struggling to find high-quality car insurance, follow these three steps to get started on your path towards better coverage:

  • Know What You Want – What kind of coverage do you think that you need? Try to find a policy that is as comprehensive as possible to give yourself the best chance of thriving with your policy. 
  • Find Someone You Can Trust – Seek out a few different insurance providers and talk to agents who you can trust. Narrow down your options and you should easily find an option that makes sense. 
  • Consider Adjusting Your Policy – If you find that your policy needs to be adjusted at any time, talk to your agent to make sure that you can get the coverage that you want at a reasonable price. 

When you follow these simple steps, it should be fairly easy to find the policy that works for you and which fits into your needs as a person. You may need to work directly with your agent or shop by yourself. Whatever choice you make, stick to it and carefully decide which options are the best choices for your needs as a person and as a car owner. 

Work With Us to Get a Policy You Can Trust 

If you’re interested in shopping for a car insurance policy and you want to work with a team that makes sense for your, please contact us at Pro Insurance Group. We serve Follansbee, WV and the surrounding area and can provide many different high-quality policy options for your needs. 

Why Business Owners Should Add Cyber Coverage To Their Commercial Insurance Policies

Pro Insurance Group serves the Follansbee, WV community. We are an independent insurance agency. For over 30 years we have helped our clients as their insurance needs evolve. Providing good customer service is important to us. We are confident that we can help you find the insurance coverage you need to protect what matters most.

Why Cyber Coverage Is An Essential Part Of Commercial Insurance Policies

As a business owner in the Follansbee, WV area, you are aware of how competitive the marketplace is. You have to find ways to stand out from other businesses in the area. A strong commercial insurance plan can help you accomplish that goal. Commercial insurance helps you navigate the risks associated with operating a business. All of your property and equipment is protected against possible damage or potential theft. Liability coverage protects your business if one of your customers is injured on your property or alleges that your products made them ill. You can also rely on commercial insurance to cover you in emergency situations, such as the aftermath of a natural disaster moving through the area. Business interruption coverage protects your business if you lose power and have to cease operations for an extended period of time.

Do not neglect the importance of cyber coverage. Millions of people around the World complete online transactions on a daily basis. This potentially gives hackers access to sensitive information such as credit cards and social security numbers. If your customer’s personal information ends up in the hands of hackers, your business could lose everything through legal action. Cyber liability coverage protects your business if you suffer a data breach and also helps restore the system. In this current age of technology, cyber liability coverage is an essential part of any commercial insurance policy.

Pro Insurance Group Will Help You Protect Your Investment

Visit our website to learn more information about commercial insurance.  

Can a home insurance plan in West Virginia give me helpful insurance protection?

Homeownership continues to be a good option for those that are in the Follansbee, WV area. If you are looking to acquire a property when in this area, it would be helpful to also get proper insurance in place for it. A home insurance policy in this area can provide you with several forms of helpful protection.

Coverage for Assets

One way that you can benefit from your insurance plan is by receiving protection for your assets. A home insurance plan will provide the support needed to repair or rebuild your home if it is damaged by an incident covered by the policy. This coverage can also extend to your personal assets, up to the policy limits. More valuable assets can also be covered through the creation of a policy rider that will attach to the home insurance plan.

Liability Support

A West Virginia property owner is going to take on some liability risk at all times. These risks can include if an accident occurs in your property that leads to an injury of a guest or causes damage to someone else’s property. In either situation, having insurance protection in place would be helpful. A home insurance plan will give the liability coverage to offset these risks 

Having a home insurance plan for your property in the Follansbee, WV area should be considered a necessity due to the coverage it provides. If you are looking for a plan when you are in this area, you should call Pro Insurance Group. There are many choices to make when looking for coverage and Pro Insurance Group can make it easier for you. The team can offer the support needed to help you build a plan that will properly protect you and your property.

How to make sure your car is ready for summer

Drivers in West Virginia have one of the most beautiful states in the union to enjoy but even in this beautiful state, having auto insurance is a must. But just how much and what type can cause a lot of confusion. With an experienced independent insurance agent, you can be sure you will get the most choices and someone you can trust. With more than 60 years of doing business, Pro Insurance Group in Follansbee, WV has provided several generations of residents with the type of personal service they deserve.

With summer just around the corner, it is time to make sure your vehicle is ready for all the fun things you plan for this summer. 

Get the air conditioning checked

Take a test drive and make sure the a/c is working great. If you notice it isn’t getting cold enough, it’s time for a service check. If you are getting an oil change soon, they can check your a/c at the same time. 

Replace your windshield wiper

Summer brings with it storms and some heavy rains. Having good windshield wipers makes it much easier to survive driving under less than ideal conditions. Many auto parts stores will install them for free with a drive-up visit and purchase. Also, check the windshield washer fluid. Lots of bugs hit the windshield in the summer. 

Check the tires

Once you have taken off your winter snow tires, it’s time to make sure your summer tires are in good condition. Check the air pressure and the treads before you go off on any summer adventures. 

Top off the fluids

Make sure all your fluids are topped off. Check the transmission antifreeze and brake fluids. 

If you are in the market for auto insurance, give Pro Insurance Group in Follansbee, WV a call or stop by the office. 

Who Needs Home Insurance and Why

While there are no laws that require homeowners insurance, it’s a good idea to get it. If you have an expensive home, there is a need to take precautions because the future isn’t promised, and if a storm were to cause serious damage, for instance, you would not enjoy paying out of pocket for the whole cost. Pro Insurance Group is on hand to help you if you’re in the Follansbee, WV area. We will answer your questions and give you a handy guide on homeowners’ insurance basics.

Who Needs to Get Home Insurance?

Start with the basics first; who exactly needs to get homeowners’ insurance? Anyone who has a home or is purchasing a home needs to buy insurance mainly because of security. If your valuable property gets destroyed, you should be able to have it restored without digging into your pockets. 

If you hope to get a mortgage to finance your home, you will need to get insurance so that your prospective lenders know you are not getting into a risky situation and putting them in a bad deal.

Why Get Home Insurance?

There are a few reasons why and the main ones are:

  • It will help you pay for necessary repairs that arise due to a covered loss like fire or lightning, hail, vandalism, civil commotion, or any other sudden, accidental occurrence.
  • It can help you replace your possessions if they get damaged due to a loss covered by the insurance.
  • If your policy includes additional living expenses, it will cover the costs incurred from staying at a hotel while your home is renovated.
  • If a guest gets injured in your house, your insurance can help cover both medical and legal bills if need be.

If you’re a resident of Follansbee, WV, and you’re ready to start the journey to stress-free homeownership, check out the Pro Insurance Group, and we will be happy to help you get a robust cover. 

Ways commercial insurance protects a small business

Small businesses are the backbone of the American economy. In West Virginia, 87% of the businesses have fewer than 20 employees. Any business is vulnerable to a variety of risks, and small businesses are particularly vulnerable. Identifying those risks and taking the proper actions to mitigate them is the best thing you can do to protect your small business. At Pro Insurance Group in Follansbee, WV, we have 60 years of experience providing our customers with the best choices and personalized customer service. 

Property protection

Commercial property insurance offers coverage against a variety of different perils. It protects the building your business is housed in, but it does more than that. It protects your machinery, office equipment, inventory, and all the things you need to conduct business. With this coverage, you will be able to repair or replace what you need to keep your business running. 

Income protection

Business interruption insurance can make the difference between your business surviving and having to close its door. When a disaster strikes, you may lose all income, but unfortunately, the liabilities you have don’t stop. Bills need to be paid, payroll, taxes, and even your own paycheck. Income protection insurance can pay for rent if you need to move into a temporary building to continue to do business. Read the policy carefully to be aware of the exclusions. 

Employee protection

In West Virginia, businesses with 3 or more employees are required by law to carry workers’ compensation. This pays for employees who are injured in the performance of their employment. 

Legal protection

Commercial liability insurance protects your business from legal action against your business. It can be from someone who was injured while visiting your business or by a product you provide, or a service that failed to meet a client’s expectations. It covers not only judgment but also legal expenses in your defense. 

Contact Pro Insurance Group in Follansbee, WV when you are in the market for commercial insurance. 

Does My Insurer Care Who Drives My Car?

Letting a roommate borrow your car to make a grocery trip? Loaning it to a cousin who needs to get to work? You may be worried that your insurance company will not provide any coverage if the borrower is involved in an accident. Don’t fret. In Follansbee, WV, if your car is insured, your car is insured.

With that having been said, you should make sure that anyone who borrows your car regularly is included on the insurance policy. If you and your spouse share a car, for instance, or if your teenage son or daughter drives it regularly, then you’ll probably want to have them included in the policy.

This is because, in some cases, the person driving the car may actually be held accountable for damages. By and large, your car will be covered by your insurance provider as long as you have the appropriate coverage. But the driver will be the one who was responsible for the accident. If someone has their own insurance, this isn’t an issue. But if your teen drivers are uninsured, the liabilities will fall in your lap even though you have your own insurance.

If you have any questions or if you’re looking to get covered in Follansbee, WV, get in touch with Pro Insurance Group. You can get in touch through the Pro Insurance Group website or call our office on the phone and see about getting all the coverage you need for you, your car, and your family, whether that means adding your spouse and kids to the policy or just getting yourself covered.

3 Ways Commercial Insurance Protects Your Business from Disasters

As a business owner, you face several challenges in keeping your business running. Natural disasters are part of those challenges. By protecting your business with commercial insurance, you’ll have the financial support you need to recover from a major disaster. Here are just a few ways commercial coverage from Pro Insurance Group can protect your Follansbee, WV enterprise from disasters.

Property Coverage

Property coverage protects your business building, equipment, and inventory against disaster damage or loss. This financial compensation will enable you to repair your building and replace damaged equipment or goods to recover quicker from a disaster. Most commercial policies in West Virginia offer protection against fire, severe rain and wind storms, blizzards, tornados, and other disasters common to the state.  

Business Interruption Coverage

If your business has to close temporarily due to disaster damage, you could lose valuable revenue essential to your business operations. Business interruption insurance covers lost revenue, payroll, bills, taxes, and other operating expenses during your closure to help sustain your business until you can reopen. It can also help you relocate your small business temporarily while your original location is being repaired.

Commercial Flood Coverage

West Virginia is no stranger to flooding. The state’s mountainous terrain makes it susceptible to flooding due to rising river waters after heavy downpours. By protecting your business with commercial flood coverage, you can be prepared for flood disasters. Flood policies protect your business building and its contents to safeguard your enterprise against the risk of flood damage.

Natural disasters can happen anywhere and at any time. Smart business owners will be prepared with the right insurance coverage suited to their business needs. To purchase commercial coverage for your Follansbee, WV business, contact Pro Insurance Group’s insurance experts today.