How Do I Buy Toy Insurance?

Toy insurance is important no matter where you live, including Harrison, PA. There are many toys that you may buy and this means you need to have the right level of coverage. A “toy” can include a motorcycle, moped, or even an ATV.

Buying toy insurance can be done in many ways. You could call different insurance companies and listen to what they want to sell you. The problem with this is that you don’t learn about what you actually need. At Henderson Insurance Agency, you can rely on our knowledgeable insurance agents to talk to you about the state requirements in Pennsylvania and guide you through the process of obtaining a policy.

Toy insurance has to meet state requirements. However, you may want to go above and beyond what the state requires to provide you with more financial protection. If you get into an accident with your motorcycle and cause damage to public or private property, you are held responsible. If the damages exceed the threshold of your policy, you would be expected to pay out of pocket.

We can prevent that from happening. Our agents will look at your history of accidents and the toy that you have purchased. We can then make suggestions as to what coverage you need and help you to find the company that’s going to give you the best policy. Every company is different and we can provide you with more information than if you were to try and buy the toy insurance on your own.

A good policy will protect you and give you peace of mind knowing that you have the coverage you need. It can help you to be safer on the roads.

Call and talk to an agent at Henderson Insurance Agency today. We can obtain quotes for you, talk to you about discounts, and answer any questions you may have about getting a policy in Harrison.

What You Need To Know About Garage Liability When Buying Auto Insurance

Garage liability is something you may need to explore when you are buying auto insurance in Harrisburg, PA. Garage insurance is designed if you own a car dealership or garage. It will help you to have liability involving claims that come from customers when their vehicle is damaged while on your property.

As you explore auto insurance and more specifically garage liability, you will want to look at both garage liability as well as garage operations.

Garage liability provides coverage for property damage and bodily injury as a result of operations of a covered vehicle. This is not a vehicle that is held in inventory, such as a car on a sales lot or a tow truck. Garage operations insurance provides coverage from garage operations that is other than that of ownership, usage, or maintenance.

It’s important that you have the right kind of insurance. If you’re not sure of what you need, one of our agents at Henderson Insurance Agency can walk you through the options. Many people assume that they only need auto insurance. However, you are actually looking for protection on vehicles that are owned by your customers, not by you.

For this reason, you need garage liability insurance. You may be driving a person’s vehicle to provide service. It may also become damaged while you are providing maintenance. When someone makes a claim against you, it is this coverage that will provide you with financial protection. Without it, you could spend a lot of money – and this could have a negative effect on the finances of your business, sometimes to the point of bankruptcy.

Learn more about garage liability in Harrisburg by calling one of our independent agents at Henderson Insurance Agency. We are standing by to answer your questions and can help you to find quotes from multiple insurance companies.