Ohio Commercial Insurance: Know Your Rights and Limitations

Posted on May 19, 2023May 12, 2023 by admin

Seasoned business owners know that having the best commercial insurance policy is the best way to protect their Ohio-based businesses from the devastating financial effects of unforeseen circumstances like accidents, property damage, or lawsuits filed against them.

Bonvenuto Financial Group LLC in Uniontown, OH can help you choose the best policy for your needs.

Rights and Limitations for Commercial Insurance

Right #1. – You have the right to choose the best commercial insurance policy that meets your business’s unique needs.

Limitation: Beware of limited policy options that don’t include the coverage you want or need.

Right #2.- You can have more than one type of commercial insurance from the following available insurance types.

General Liability Insurance – covers a wide range of insurance-related claims against lawsuits, legal claims, personal injuries, property damage, and more.
Property Insurance – most Ohio commercial property insurance options have provisions for property damage, business interruption, equipment breakdowns, liability, and additional coverages.
Workers Compensation Insurance – this employment-based insurance helps protect business owners and employees in the case that they are injured on the job. This insurance may be legally required for large Ohio employers.
Specialized Commercial Insurance: get specialty commercial insurance coverage to meet your business’s individual needs. Ask an agent for specifics about special coverages.

What Do Ohio Commercial Insurance Policies Typically Cover?

Commercial insurance policies cover a wide range of business-related expenses that could ordinarily put a small business owner out of business.

Property Damage
Bodily Injury
Product Liability

Talk to a licensed insurance agent, Bonvenuto Financial Group LLC in Uniontown, OH to learn about specialty commercial coverage for your Ohio-based business.

Get Commercial Insurance in Ohio

The expert insurance agents at Benvenuto Financial Group can answer your questions and help you choose a policy.

The Importance of Having Your Roof Inspected After the Winter Months Are Over

Posted on April 11, 2023April 26, 2023 by admin

It is recommended that you have your roof inspected at least once a year. If you live in a region that has freezing winters filled with ice and snow, it is strongly recommended that you have a roof inspection completed after the winter months are over. Here at Bonvenuto Financial Group LLC, providing home insurance to the greater Uniontown, OH region, we want to help our customers care for their homes.

The Importance of Having Your Roof Inspected After the Winter Months Are Over

The winter months can be rough on your roof. Ice and snow can weigh on your roof, damaging the roofing materials themselves, as well as the trusses and supports that hold up the weight of your roof. If storms caused damage to your roof, you may be able to file a home insurance claim to recover some of the costs associated with the repairs.

And even if the costs cannot be covered by home insurance, knowing that your roof is damaged and having that damage repaired can help prevent other issues in the future, such as roof leaks.

Having your roof inspected helps to catch any problems that winter weather may have caused, so you can file a home insurance claim to have your roof fixed or make the repairs to your roof out of pocket. Having the right insurance is vital in case you ever need to file a home insurance claim.

Give Us A Call

If you are looking to obtain a new home insurance policy in the greater Uniontown, OH region, please reach out to us at Bonvenuto Financial Group LLC to get help finding the ideal home insurance policy for your needs.

Will Your Auto Insurance Policy Cover You When Renting a Car?

Posted on March 15, 2023March 16, 2023 by admin

Here at Bonvenuto Financial Group LLC, providing auto insurance in the greater Uniontown, OH region, our customers often have questions about their auto insurance policy and rental cars. You, too, may wonder if your car insurance policy will cover a rental car or if they need to purchase rental car coverage from the rental car provider. We are happy to assist you with the answers.

Will Your Auto Insurance Policy Cover You When Renting a Car?

Each and every auto insurance provider is different, and as such, it is hard to give a blanket statement on whether your car insurance policy will cover you when renting a car. As a general rule of thumb, if you carry liability, collision and comprehensive auto insurance, also known as full coverage, your policy will most likely cover a rental car. If you only carry liability insurance, your insurance policy will not likely cover a rental car unless you have a specific rental car endorsement.

How Do You Know If Your Auto Insurance Policy Will Cover You When Renting a Car?

The best way to find out if your car insurance will cover you when renting a car is to call your insurance company and ask. They can read through your policy and help you determine if your policy covers you while in a rental or whether you should purchase rental coverage from the company you are renting a vehicle through.

Give Us A Call

Your car insurance policy may or may not cover a rental, depending on your specific policy. If you are looking for a new auto insurance policy, perhaps one that covers rental cars, the team at Bonvenuto Financial Group LLC, serving the greater Uniontown, OH region, would love to help you find the right policy. Call us now to schedule an appointment with one of our insurance agents.