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Lower Burrell, PA 15068

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Insurance Blog

Commercial insurance lines most businesses can benefit from

Commercial insurance is not one size fits all. It needs to be customized to fit the business it is covering. There is no point in having insurance that you won’t benefit from. You need an insurance agent who understands your type of business and the hazards you face. Daniel Carinici Agency LLC  in Pittsburgh, PA is an independent agency and we take the time to get to know our customers and their insurance needs. 

Commercial property insurance

Not every business owns the building where they do business. If you think you don’t need commercial property insurance because you are a renter, you are wrong. While the building certainly is part of the coverage if you own it, it covers much more than that. You need a lot of other things to run your business, no matter what type of business you have. It can be tools, machinery, office equipment, inventory, raw materials, and your records. All of these need to be protected and, if damaged, need to be replaced. That is where your commercial property insurance comes in. 

Commercial liability insurance

As a business owner, you stand a very good chance of being involved in legal action at some point. It is just the reality. If you lose the judgment, it could cost you your business if you don’t have commercial liability insurance to protect you. You can be sued by a client, by a vendor, or even an employee. 

Workers compensation insurance

Having workers’ compensation coverage is not optional in Pennsylvania. If your business has one employee, either full or part-time, you are mandated to have workers’ compensation insurance. If you don’t comply, you will face penalties. It makes sense since having this insurance protects both employees and employers. 

Contact Daniel Carinici Agency LLC in Pittsburgh, PA to discuss your business insurance needs. 

Is My Home Business Covered Under My Homeowners Policy?

Many people are self-employed, whether they’re running a small business from home or just trying to generate some extra income. This can be a great way to have more control over your work schedule and not have to commute every day. But it also comes with risks that you might not think about when you start out on your own.

One of those risks is having your home office damaged by fire, theft, vandalism or other disasters. Homeowners insurance is probably something you’ve heard of, but does that policy apply when it comes to your home business? Here’s what you need to know about homeowners insurance and whether or not your home office is covered.

What Is Homeowners Insurance?

When most people think about their homeowner’s insurance, they think of the coverage on their actual house itself. If the house catches fire or is damaged by a windstorm, you’re going to want homeowners insurance to pay for repairs. And if your house gets burglarized, a homeowners policy might cover your lost possessions as well.

But that’s not all it covers. Many people don’t realize that they also have personal liability coverage on their homeowner’s policy that can protect you if you accidentally injure yourself or damage property.

What Your Homeowners Insurance Won’t Cover

There are a lot of things that your homeowner’s insurance won’t cover for business use of your home, including:

  • Business Property: This includes equipment and inventory used in your business. So if you damage tools or supplies, they won’t be covered under your policy.
  • Damages Caused by Employees: Generally, employers are responsible for injuries that happen on the job because it’s part of their business. While you can purchase Employer’s Liability Insurance to cover this, if your employees are family members or friends working for free, it won’t be covered under your homeowner’s policy.
  • Hired Equipment: Any rented equipment must have its own insurance policy through the rental company because it isn’t covered under your homeowner’s policy.

As you have seen, there are aspects of your home business that won’t be covered under a homeowners policy. So, if you want to protect yourself and your investment in Pittsburgh, PA talk to an agent from Daniel Carinici Agency LLC. We can help you find the right coverage for your home business.

What Are The Minimum Legal Motorcycle Insurance Requirements For Pittsburgh, PA?

Motorcycles are an incredibly fun way to spend an afternoon among friends riding around and just enjoying the open air. However, they also carry with them a certain element of risk. The risk is what draws so many people into riding around on them in the first place, but they should still be taken seriously as something that could end up harming you or someone else if you are not careful. The Daniel Carinici Agency LLC sees plenty of people who have questions about what the minimum legal motorcycle insurance requirements are for Pittsburgh, PA. 

Compulsory liability insurance must be carried by anyone who wants to legally ride a motorcycle in the city of Pittsburgh. This is an inexpensive type of insurance that provides that blanket of bare minimum coverage to ensure that those riding motorcycles as well as anyone who happens to be on the road near them when they do are protected should something happen while out on the road. It is unfortunate that motorcycle accidents are so common that they require this type of insurance, but they are just as dangerous if not more so than driving a car. 

Most people would prefer to step up their insurance beyond just the state minimum requirements. They might want to consider purchasing a policy that covers bodily injury for up to $15,000 per person to get started. This insurance is still relatively affordable, but it adds an extra layer of protection that helps the individual feel that they have done everything within their power to ensure that they are safe out on the road and protected from any legal blowback that could come there way. Remember, it is all about staying safe and keeping others safe while out on the streets as well. You can do this by following city laws and making sure you always carry at least the minimum required amount of insurance. 

Common Flood Myths

When buying flood insurance, you must first understand what this type of insurance is and exactly what it covers. Many myths are floating around that can cause some confusion as to what flood insurance covers and who should purchase a policy. Those in Pittsburgh, PA, with questions about flood insurance, can reach out to the agents at Daniel Carinici Agency LLC for assistance. 

Below are some common myths about flood insurance and the truth behind each one: 

Myth: I am not in a flood zone, so I do not need flood insurance. 

Fact: Because a flood can happen any time anywhere, every property is essentially in a flood zone. Each home is placed in a flood zone rated from low to moderate risk, high-risk, and high-risk coastal. Some properties are listed as undetermined for their flood risk, but that does not mean they are not at risk. 

Myth: My homeowner’s insurance will cover any damage caused by a flood.

Fact: Basic homeowners insurance policies do not provide coverage for damage or losses associated with a flood. 

Myth: Flood insurance is not mandatory, so I do not need it. 

Truth: Flooding is the most common natural disaster event that affects many properties across the country. Though flood insurance is not required, your home and your belongings are not covered by your homeowner’s insurance policy in the event of a flood. 

Myth: Flood insurance is expensive, and I cannot afford to purchase a policy.

Fact: The flood insurance market is growing, providing homeowners the opportunity to shop around for competitive premiums. Additionally, flood insurance can be customized, which can lower the cost of your premiums. 

Those with questions about flood insurance in Pittsburgh PA should reach out to Daniel Carinici Agency LLC agents to discuss their questions and concerns about flooding. 

Things You Need to Know Before Buying Life Insurance

There are several things you need to know before buying life insurance. Knowing this information helps you determine which plan to purchase that will provide you and your family the financial security you seek. Additionally, knowing some of these things included below, you reduce your chances of being ripped off by an unreliable Pittsburgh, PA insurance company. Call us today at Daniel Carinici Agency LLC to discuss life insurance options and discuss purchasing a policy. 

Finding the Best Life Insurance Rates

It is best to work with an independent life insurance agent to shop for the best life insurance plans. The insurance agent can shop among multiple companies and compare the rates for you. Otherwise, you are responsible for calling different life insurance companies and getting quotes yourself.  

Finding an Independent Life Insurance Agent

As mentioned above, working with a life insurance agent is the best method to receive multiple quotes to get the best rates. However, how do you find an agent that is reliable and reputable? The best way to find an independent life insurance agent you can trust is to ask friends, co-workers, and family who they use. Additionally, you can check online to see any bad reviews or information about the agents you are considering. 

Life Insurance Shopping Mistake

The biggest mistake many people make when shopping for life insurance is not comparing policies. The next biggest mistake is not understanding everything about the policy you are purchasing. Both of these could result in paying higher premiums than you anticipated or have to pay. 

When shopping for life insurance in Pittsburgh, PA, give Daniel Carinici Agency LLC a call to discuss your options and how they can help you with your life insurance shopping needs. 

What to do if You Are the Victim of a Hit and Run

Being involved in an automobile accident in Pittsburgh, PA is stressful, scary, and overwhelming, but it is especially difficult to deal with the situation if you don’t know who the other driver is. A hit-and-run accident means that one driver involved in the accident left the scene without providing the other driver with acknowledging the accident or providing their information. Daniel Carinici Agency LLC has put together a few tips on what to do if you are the victim of a hit-and-run.

Pull Over

If you are the victim of a hit-and-run, the first thing to do is pull over and park. Don’t attempt to chase the other driver, because it can make the situation much worse. As soon as you pull over, try to write as much information as you can recall about the other vehicle, such as the make and model, color, and if you noticed anything unusual about the vehicle (damage, stickers on a window, etc.). Even something as minor as remembering one or two letters of the license plate may be helpful.

Call the Police

As soon as you have written down all the information you can recall, call the police. It is very important that you call the police after a hit-and-run, because not filing a report may delay or cause a denial of your insurance claim. Even if you don’t have much information to provide, it’s still important to call the police.

Get Witness Information

Before exiting your vehicle, make sure it is safe to do so. Ask any bystanders or drivers that stop to check on you if they saw what happened and if they can provide any details about the other vehicle. Write down the name and contact information of all witnesses.

Be sure to take photos of your vehicle, including detailed photos of the damage. It’s also beneficial to take photos or videos of the area where the accident happened. After you file a report with the police, contact your insurance provider to file a claim.

Residents of Pittsburgh, PA that want to learn more information about how to deal with a hit-and-run or to learn more information about their insurance policy should contact Daniel Carinici Agency LLC.

Commercial Insurance: What Liabilities Does Your Business Need to Worry About?

Commercial insurance is an insurance policy that you get to protect your business from any kind of risk that could cost you just because you are open for business. There are a number of liabilities that you need to worry about.

At the Daniel Carinici Agency LLC, we want you to stop worrying about these liabilities. The right commercial insurance product will put your mind at ease, and protect you from every possible liability.

Commercial Liability Insurance

Commercial liability insurance is the most standard commercial insurance policy. It will protect against a number of liabilities that your business could face. If something happens at your place of business, and you are found to be liable, you could make a claim on your commercial liability insurance.

Personal Injury

Personal injuries such as slips and falls happen at American businesses annually and send millions to the emergency rooms every year. Your commercial insurance can protect you against these liabilities if a customer suffers an injury at your business. If you have vendors or contractors working in your place of business that suffer an injury, you can also file a claim to cover those costs in the event that you are sued.

Property Damage

When property is damaged under your business watch, that could be your liability to cover. This could include anything. You might cause damage when you are fixing someone’s home or hit a car when you are delivering something. Property damage insurance on your policy will help you to cover those liabilities.

Reputational Injury

If you experience defamation or slander or are accused of this, you can use your commercial insurance to cover these problems. Some commercial insurance policies will cover this problem. Many businesses will also use commercial umbrella insurance to avoid financial losses if this should happen.

Get a Quote

At Daniel Carinici Agency LLC we know that being liable for something is an awful experience. Accidents happen. They can be costly. Call us for a quote and make sure that your commercial insurance policy is up to date.

Four Essential Things to do When Buying Home Insurance

Home insurance comes second after buying a home. That’s why you need to make sure you get the most out of your policy. But how do you know which coverages to buy when you don’t have a clue what to look for? If you are in the market for a policy that fits your needs, Daniel Carinici Agency LLC is ready to answer any questions you may have regarding home insurance. However, there are four things you can do to make your insurance journey easier.

Do enough research

Before contacting any insurance provider, research home insurance. Find out what coverages are offered and how much insurance you might need. You also need to familiarize yourself with the home insurance claim process if a covered accident happened in your home.

Shop around

Don’t just walk to your nearby Pittsburgh, PA insurance company, but consider checking online offers. Most insurance companies have websites to find information from the policies offered to the location and contacts. Compare quotes and find out what each company is bringing to the table. Don’t go for the cheapest, but look for discounts.

Ask what you don’t understand.

Once you have your ideal company, don’t sign anything until you have understood your policy. Ask questions where you don’t understand, find out what is not covered, and enquire about discounts and deductibles. Most home insurance policies only cover a few natural disasters, so make sure you know which ones to avoid filing claims for uncovered perils.

Review your insurance needs before signing

Your home insurance needs keep changing, and that’s why you may want to study your insurance needs before buying insurance. For instance, if you have teenagers in the house, you can focus on liability. If you live in a high crime rate area, you could buy enough personal property insurance and dwelling coverage.

For more information about home insurance in Pittsburgh, PA, contact Daniel Carinici Agency LLC today!

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