How Auto Insurance Supports First Responders

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Understanding the Role of Auto Insurance for Emergency Responders in the Brevard, NC Area

Providing coverage for emergency vehicles to liability protection for personnel, auto insurance plays a pivotal function in supporting those who respond to emergencies and ensuring public safety around the Brevard, NC area.

Coverage for Emergency Vehicles

First responders heavily depend on specialized vehicles, like ambulances, fire trucks, and police cruisers, to respond promptly to emergencies and deliver pivotal services to the community. Auto insurance policies tailored for emergency vehicles offer extensive coverage for these critical assets, including protection against accidents, vehicle damage, and theft. By ensuring adequate insurance for emergency vehicles, auto insurance promotes first responders’ operational readiness and supports their capability to respond effectively to emergencies.

Liability Protection for Personnel

First responders can encounter potential liability risks stemming from accidents, injuries, or property damage incurred during their duties. Whether it’s responding to a medical emergency, extinguishing a fire, or apprehending a suspect, first responders can perform their duties confidently, secure in the knowledge that their insurance covers them in case of unforeseen liabilities.

Additional Benefits and Support

Auto insurance companies often offer additional benefits and support services personalized for first responders. By recognizing the unique needs of first responders and providing customized insurance solutions, auto insurance companies display their commitment to bolstering those who safeguard our communities.

Promoting Safety and Well-being

Beyond providing financial protection, auto insurance promotes safety and well-being among first responders. By prioritizing safety and risk management, auto insurance decreases the likelihood of accidents and injuries, enhancing the overall efficacy and efficiency of emergency response efforts.

How Brevard Insurance Agency Inc. Can Help You

At Brevard Insurance Agency Inc, we are prepared to answer questions about auto insurance. We serve the Brevard, NC area. Visit Brevard Insurance Agency Inc. or call us today for more information.

How commercial insurance can save a small business

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More than 99 percent of businesses in the United States are defined as small businesses. Small companies face even more risks than large businesses and, in most cases, are less able to survive them. Proper commercial insurance gives your business a better chance of thriving. At Brevard Insurance Agency Inc. in Brevard, NC, we work for our customers, and we can help to determine the areas of greatest risk and make sure you have the coverage you need. 

Commercial property coverage

Commercial property coverage protects the building where your business is located if you own it. If you rent, it also covers everything you use in your business. Tools, machines, office equipment, electronics, inventory, paperwork, or raw materials can be used. Saving your business means being able to operate, and you need this coverage to repair or replace your property. 

Commercial liability coverage

One of the riskiest things that your business faces is being sued. A judgment against you and the legal fees that it generates could cause your business to close. With commercial liability insurance, you will have the money to pay both the judgment and the legal fees if you have the right amount of coverage. 

Business interruption coverage

When something happens that causes your business to close temporarily, your obligations will not stop just because you’re not operating. You will need to pay rent, payroll, and other bills promptly. With business interruption coverage, you can even take a salary yourself. It can make all the difference between a business that fails and one that survives.  

Get the help you need 

Contact Brevard Insurance Agency Inc. in Brevard, NC, to get the insurance help you need. Call us today, and let us help you save your small business. 

How commercial insurance can save a small business

Posted on by admin

More than 99 percent of businesses in the United States are defined as small businesses. Small companies face even more risks than large businesses and, in most cases, are less able to survive them. Proper commercial insurance gives your business a better chance of thriving. At Brevard Insurance Agency Inc. in Brevard, NC, we work for our customers, and we can help to determine the areas of greatest risk and make sure you have the coverage you need. 

Commercial property coverage

Commercial property coverage protects the building where your business is located if you own it. If you rent, it also covers everything you use in your business. Tools, machines, office equipment, electronics, inventory, paperwork, or raw materials can be used. Saving your business means being able to operate, and you need this coverage to repair or replace your property. 

Commercial liability coverage

One of the riskiest things that your business faces is being sued. A judgment against you and the legal fees that it generates could cause your business to close. With commercial liability insurance, you will have the money to pay both the judgment and the legal fees if you have the right amount of coverage. 

Business interruption coverage

When something happens that causes your business to close temporarily, your obligations will not stop just because you’re not operating. You will need to pay rent, payroll, and other bills promptly. With business interruption coverage, you can even take a salary yourself. It can make all the difference between a business that fails and one that survives.  

Get the help you need 

Contact Brevard Insurance Agency Inc. in Brevard, NC, to get the insurance help you need. Call us today, and let us help you save your small business. 

How Does Remodeling Affect Home Insurance?

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Few things are more exciting than finishing a long-planned home remodeling project, but such changes can increase your risks during and after the work. Since accidents can occur during projects and remodeling work typically increases home values, you should contact your insurance agent before starting. If you live in the Brevard, NC, area, consider getting our Brevard Insurance Agency Inc. team to ensure our home insurance coverage fully protects you and your family.

How Remodeling and Renovating Affect Risk

Although most home insurance policies include minimal protection from accidents during a home remodeling project, some policies require you to notify your agent before beginning the work. The nature of these projects increases the risk of specific hazards and brings potential liabilities for the workers, their equipment, and supplies. We often recommend modifying your coverage during the project or adding an umbrella policy for longer-term coverage.

In addition, most remodeling or renovation projects increase the home’s value due to the increased space, updated fixtures, and new furnishings. A project that adds a pool or hot tub raises your home’s value and new sources of risk. An adjusted home insurance policy should account for these changes.

Some modifications reduce the risk of homeownership by bringing outdated electrical or heating systems up to code, which can result in lower premiums. So, whatever changes you plan, discuss them with your agent in advance so you can ensure you are fully protected.

Working with the Brevard Insurance Agency Inc.

The family home is the most significant investment many of us have, so we must protect ourselves against unforeseen events. Stop in or call the Brevard Insurance Agency Inc. today. We proudly serve the Brevard, NC, area and can help you obtain the protection you need.

Cruise with Confidence with Classic Car Insurance in Brevard

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Classic car enthusiasts in Brevard, NC, who understand that protecting their most prized four-wheeled investment is a top priority, get classic car insurance. The good news is that insurance professionals at Brevard Insurance Agency Inc. can help you choose the best options for coverage! 

Differences Between Classic Car and Traditional Auto Insurance

Although classic car insurance and standard auto insurance are policy types that offer financial protection for cars in the event of an accident, natural disaster, or auto theft, these two insurance products are not the same. 

Many classic car owners make the mistake of thinking that traditional car insurance will provide them with the same level of coverage as classic car insurance for their vintage automobiles. In fact, classic car insurance is designed specifically for older and vintage vehicles. Classic car insurance has a slightly different set of rules for assigning value.

These specialty policies use agreed-upon value instead of the age of the car to determine its real value. 

Standard auto insurance policies may impose driving restrictions and limits on your classic car that can limit your enjoyment or use. On the other hand, classic insurance policies have provisions that allow drivers to take their automobiles out and explore the open road or show their vintage automobiles at classic car shows without restrictions that limit use. 

Get Classic Car Insurance 

Contact the insurance experts at Brevard Insurance Agency Inc. when you’re ready to get insurance for your vintage or classic auto. Our classic car insurance professionals can help you choose the best policy to meet your needs based on your car’s unique characteristics.

Knowledgeable insurance agents can also answer frequently asked questions about Brevard, NC insurance and talk to you about bundling insurance policies to get package discounts. 
 

Why Renter’s Insurance is Critical During Your Lengthy Sabbatical Journey

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At Brevard Insurance Agency Inc., we know that many Brevard, NC people take occasional sabbaticals to refocus their energies and work on various creative skills. If you plan on a sabbatical any time soon, it’s important to seriously consider renter’s insurance if you’re traveling.

Traveling on Sabbatical is Common 

If you plan on traveling during your sabbatical, you must ensure you’re safe, no matter where you go. For example, if you rent a cabin for a few months, you need a policy to reduce your loss risk. Thankfully, renters insurance is designed to be adaptable to many needs.

Why Renter’s Insurance is Smart 

A majority of renter’s insurance policies focus on providing unique and high-quality support for people renting a home. They can cover any of your belongings in a house while you stay there. A few reasons why these types of policies are so smart for your needs include:

  • Adaptability to your needs, as you can cancel and reopen them quite easily 
  • Relatively inexpensive costs that should minimize your financial impact 
  • Coverage options that include all of your belongings to keep you safe

These benefits make it smart to reach out to your insurance company right away. Let them know about your situation, including where you plan on traveling. You can then purchase a renter’s insurance policy that includes pricing and coverage options based on your home’s needs.

Let Us Help You

If you’re concerned about your travels during a sabbatical and want to make sure that you’re safe, it’s important that you contact our team at Brevard Insurance Agency Inc. to learn more. We can help Brevard, NC travelers like you get the protection needed to stay safe on a sabbatical.

Insuring Your New RV: What to Consider

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Just bought a new recreational vehicle (RV) in Brevard, NC? It’s vital to get insurance quickly since an unexpected accident could send the new purchase right down the drain, not to mention causing a host of other financial and legal issues. Let’s evaluate the options for RV insurance and what factors determine which is best for you. At Brevard Insurance Agency Inc., we provide the coverage you need at an affordable price.

Types of RV Insurance

Just like cars, there are several policy options for insuring an RV. These include:

  • Liability Insurance: Covers damages done to others’ property up to a certain amount in an accident.
  • Damage Insurance: Covers damages done to your RV in an accident.
  • Towing and Labor Coverage: Helps with costs in the event of a breakdown.
  • Medical Coverage: Pays medical bills for you or related individuals in the event of an accident.

What insurance is right for me?

You must have state minimum liability insurance coverage in order to drive legally in North Carolina. From there additional coverage depends on the level of risk there is to the vehicle. If it’s going to be driven a lot through unsafe areas, it may be wise to consider additional coverage. It’s a good idea to get towing and labor coverage on older RVs that may be more prone to breakdowns. Consider what risks you’re undertaking in owning an RV. From there, you can determine what type of coverage is optimal.

Consult With Us

If you’ve recently purchased an RV in the Brevard, NC area, reach out to Brevard Insurance Agency Inc. today. Our agents are on standby to answer any questions and help determine what type of coverage is right for you. We look forward to hearing from you!

Components of Motorcycle Insurance

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Each state has requirements for motorcycle insurance coverage. North Carolina has specific requirements and components of motorcycle insurance for the state. Brevard, NC as well as the rest of the state requires the purchase of liability insurance by motorcycle owners. This includes owners of motor scooters. Proof of this insurance is required by carrying a valid insurance card with you.

The state also has a "Miscellaneous type vehicle endorsement". This means that it can be attached to your personal auto insurance. Using this endorsement then extends to cover your motorcycle as well

Motorcycle Insurance Components 

Liability Insurance

Required by North Carolina law, it covers bodily injury and property damage to the owner and anyone they give permission to drive the covered vehicle or vehicles. So if you give permission for a friend, and your car is covered by liability that extends to your motorcycle, liability covers it according to the NC Department of Insurance.

Medical Payments Coverage

This refers to reasonable necessary costs of medical or funeral expenses.

Collision/Other than Collision 

Collision covers the cost of damage done from the impact accident with another vehicle. Things that damage the vehicle from falling on it, hail. or  animal damage etc. are included in "other than collision"

Mandatory Limits

This component requires a certain amount of coverage to meet financial limits per person and more. Here at Brevard Insurance Agency Inc., we can explain this in detail.

UM/UIM Coverage

North Carolina allows coverage when an uninsured or underinsured person hits your car or motorcycle

Brevard Insurance Agency Inc Is Here To Help!

Our associates at Brevard Insurance Agency Inc. are available to answer any questions. Serving Brevard, NC and surrounding areas, we will take any confusion out of North Carolina’s motorcycle insurance components and requirements.

What Happens If You Don’t Have Boat Insurance in North Carolina?

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At Brevard Insurance Agency Inc., we help Brevard, NC residents learn everything that they need to know about their boat insurance policies. There are a number of common questions that arise in these instances, and we are here to answer them all. If you have any questions about your boat insurance policy, be sure to read on.

What Happens If Boat Insurance Is Not Obtained In North Carolina?

Brevard residents may note that they are not legally required to obtain boat insurance in the state of North Carolina. However, this is not an advisable stance to take in these instances. There are other circumstances where boat insurance will be mandated. A lender is not going to provide loan approval without it, and any private dock or marina where the boat is being docked is going to ask for proof of coverage as well.

Are There Any Other Reasons To Obtain Boat Insurance?

In addition to the aforementioned requirements, there are other reasons to obtain boat insurance in the state of North Carolina. North Carolina boat insurance policy can provide the necessary assistance if the vessel experiences any sort of unexpected issues. These policies are also very crucial for any boater who likes to bring guests with them out onto the water.

Liability coverage is pivotal as well, as it provides additional coverage that protects the boater and their assets. Belongings may be damaged, injuries may occur, and it is important to have the necessary protection against these potential occurrences.

Schedule A Consultation Today!

Brevard Insurance Agency Inc. is here to assist Brevard, NC boat owners with all of their insurance questions and concerns. If you would like to learn more about these policies and how they can help you, please be sure to stop by for a no-strings-attached consultation as soon as possible.

The Overarching Value of an Umbrella Insurance Policy

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If you’re looking to protect yourself more fully and you’re in the Brevard, NC area, Brevard Insurance Agency Inc is here to help. One of the ways we can do that is by working with you to find an umbrella insurance policy. This kind of policy protects you by giving you additional coverage over and above your other policies.

Here’s what you need to know about it:

Umbrella insurance gets its name because it’s a policy that acts much like an umbrella. It covers you after your other policies have reached their limits. That’s true of your auto policy, homeowners insurance, and other types of coverage options. Many people think that only those with significant asset levels need this coverage, but it’s a good idea for nearly everyone to have.

If you have questions about an umbrella policy, coverage options, and whether it’s right for your situation, the best thing you can do is talk to a trusted agent that can provide you with information. You want to make a knowledgeable decision about your insurance needs, and that’s much easier to do when you have the details about policies and coverage opportunities through an umbrella policy.

Whether you’re single or you have a family, and whether you rent or own, there are always times when you could have a claim or expenses or when you could be a party to a lawsuit. By having higher levels of coverage, you can reduce the risks associated with these issues.

Ready to find the right umbrella insurance policy for your specific situation?

Reach out to us today at Brevard Insurance Agency Inc if you’re in the Brevard, NC area, and let us help you get coverage that offers you protection and peace of mind for the future.

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