Obtaining life insurance in Harrisburg Pennsylvania

Harrisburg lies along the banks of the Susquehanna River and played a notable part in American history. Residents enjoy the fact that Forbes named the city the second best place in the country to raise a family in 2010. Attractions like the annual Pennsylvania Farm Show, featuring free admission, known as the largest indoor agriculture exposition in the United States and hosting of the largest outdoor sports show in the U.S. bring many tourists to the area. Visitors as well as people like you who enjoy their home in Harrisburg, Pennsylvania like living in the state capitol as well as daily life in the area.

As a resident, you may wonder how and where to get quotes or the best deal on life insurance. If you live in Harrisburg, including the 17109 area, we can help you with getting the best quotes and options on life insurance for you and for each member of your family. We specialize in helping people just like you by not only helping residents get life insurance, but we help find the best options to fit the needs of your family in Harrisburg. Once we give you the information and the best quotes, you can then make the informed decision that will insure that every member of your family has the life insurance that best suits the needs and lifestyle of every member of your family. As your local independent agent, we can help you get the information you need. Give us a call today so we can discuss the specific needs of your family in Harrisburg and can help you with the best deal on life insurance.

Get Business Insurance To Protect Your Lebanon Home Office

A walk in downtown Lebanon, Pennsylvania reveals history, and architecture dating back to a time before the Revolutionary war. The city is nestled among several major cities. For example, you can get to Philadelphia in about 90 minutes, and New York City or Washington, DC, if you drive about an hour longer. The city’s central location makes it an ideal place to live and set up a small business or home office. When you set up shop, be sure to get business insurance.

You never know when an unexpected event might interrupt your operations. So, insurance is crucial if you want to make sure you’re in business for a long time. Some must have coverage includes the following:

  • Commercial Property Insurance

Property insurance protects your business belongings if they’re damaged in an accident or by a storm. For example, in Lebanon, you might get hailstones that are about an inch in diameter. These can do serious damage to your home office or property, and commercial property insurance can help pay for repairs. Your policy might also cover incidents such as loss income, damaged computers and ruined company papers.

  • General Liability

Owning a business is rewarding but it also comes with many risks. For example, customers might get hurt on your property. Or, they might believe you were negligent in some way when you served them. If they sue, you can use your general liability coverage to pay for your defense in court. These policies also cover payments if the court finds you liable for damages such as for bodily injury, libel and slander.

  • Home-Based Business

Coverage from your homeowner’s policy is limited for electronic equipment. So, you might not have enough coverage for your business equipment. For example, coverage for electronics and computers is often less than $3,000. If you have several computers, fax machines and printers, this might not be enough to replace these items. Get a home-based business insurance endorsement to make sure you have coverage for your business equipment.

  • Other Coverage

The coverage you need for your business depends on factors such as business size and your products and services. For example, if you give advice to people, you might need errors and omissions insurance coverage. And if you sell products, product liability coverage might come in handy. Talk with your agent at Henderson Insurance Agency today, if you want to make sure you have enough coverage for your business.