When You Need Umbrella Insurance for a Daycare

At Richard Zeises Agency, we can help you find strong insurance options that make sense for your Jenkintown, PA, daycare facility. You should probably seriously consider umbrella policies to ensure that you get the best results and that your business gets the proper protection.

When Caring for Many Children 

If you have many children in your daycare center, getting umbrella insurance is critical to keep them safe. This coverage will ensure that you are covered if many of them get hurt or injured due to play, facility failure, or other concerns that can pop up unexpectedly and threaten you. 

If You Watch High-Risk Little Ones 

Some children are more high-risk than others, which could put you in a dangerous situation if they act out. Thankfully, you can get umbrella insurance to protect yourself and ensure that your facility is safe from potentially hazardous or even abusive behaviors from your children.

For At-Home Daycare Facilities 

Do you plan on hosting your daycare at your house? It would be best to discuss an umbrella policy with your insurance provider. This step will increase your liability coverage and ensure you don’t run into serious risks watching these little ones in your home. 

When Doing In-Person Visits 

Are you someone who provides one-on-one daycare with little ones in their home? This model provides a diverse and exciting experience but is not always safe. As a result, you should get suitable umbrella insurance coverage to avoid any long-term problems.

Don’t Ignore Your Umbrella Insurance Options

If you need umbrella insurance for your daycare facility, call us at Richard Zeises Agency to learn more. We support Jenkintown, PA, businesses with various types of insurance policies and will do whatever we can to ensure you get the support you deserve.

What Is Umbrella Insurance?

Umbrella insurance is a kind of insurance coverage that you get to add coverage elsewhere. You can get umbrella coverage if you already have auto and home insurance policies. Both types of policies come with liability coverage, but it often isn’t very much. You can add to that coverage by getting an umbrella policy to be better protected. When you want more insurance coverage, call us at Richard Zeises Agency in Jenkintown, PA to learn more about these policies.

Save Money

If you know you need more liability coverage, you may think it’s too expensive to get it. And if you add liability coverage straight onto your home and auto policies, that may be true. Adding coverage to them directly is expensive, but it costs much less to do it with an umbrella policy. These policies cover you like an umbrella, adding an enormous amount of liability coverage onto both of those policies for a small price tag. It’s a great way to be well-protected without breaking your budget. 

Paying Overages

If you don’t have umbrella insurance and are in a major, expensive accident, your liability coverage might not be enough to pay for it. You may have your liability coverage reach its maximum payout and leave a lot of bills left over for you to pay. That’s why so many people get an umbrella policy. After the first insurance policy maxes out, the umbrella policy comes in and pays for that overage. This will leave you with nothing left to pay out of pocket for your accident. Major accidents can be costly, and this can leave you in a better position. 

Get Your Umbrella Policy

Call us today at Richard Zeises Agency in Jenkintown, PA to get started with an umbrella policy.

 

I already have insurance. Why get an umbrella policy?

Many people don’t have umbrella insurance and don’t even know what it is. Umbrella insurance is a type of insurance that helps protect you from very large, unforeseen expenses. It works by kicking in when your other policies reach their limit. This can be a huge help if you ever find yourself in a situation where you need to sue or are sued for a large amount of money.  Richard Zeises Agency, serving the Jenkintown, PA community, is here to assist you with this vital coverage. 

The benefits of umbrella insurance

There are several benefits to having umbrella insurance. First, it can help protect your assets in the event of a lawsuit. Second, it can provide peace of mind knowing that you are covered for any potential liability costs. Finally, umbrella insurance is typically much less expensive than traditional homeowners’ or renters’ insurance policies.

How to get an umbrella policy

If you are interested in getting umbrella insurance, there are several things you need to keep in mind. First, make sure that your current policies have no gaps where an umbrella policy could fill in. Second, be aware of the maximum coverage amount offered by your umbrella policy and make sure that it is sufficient to cover all potential costs. Finally, always read the fine print so that you understand exactly what is and is not covered by your policy.

Contact us today!

Overall, if you are looking for extra peace of mind and protection from liability costs, umbrella insurance may be a good option for you. It is typically affordable and easy to get started, so there is no reason not to give it a try today! Call us at Richard Zeises Agency right away. We proudly serve the Jenkintown, PA area. 

How Umbrella Insurance Can Protect Your Finances

Many people think of umbrella insurance as something that only the wealthy need. But the truth is, umbrella insurance can be a smart financial move for anyone. Umbrella insurance is designed to provide protection beyond the limits of your standard homeowners, renters, and auto insurance policies. It is a type of supplemental insurance that provides extra protection in case you are sued for more money than your regular homeowners, renters, or auto insurance policy would cover. For example, if you are sued for $1 million, and your regular homeowner’s policy has a limit of $500,000, your umbrella policy would provide the additional coverage you need.

Richard Zeises Agency in Jenkintown, PA presents a few key reasons you might want to consider umbrella insurance. 

How Umbrella Insurance Can Protect Your Finances

1. The Cost of Insurance Is Relatively Low

The cost of umbrella insurance is relatively low compared to the amount of coverage you get. This makes it a cost-effective way to provide extra protection for your finances.

2. Umbrella Coverage Can Help Protect Your Assets

If you are sued for a large amount of money, umbrella insurance can help protect your assets. This is especially important if you have a lot of savings or property that you would not want to lose in a lawsuit.

3. Umbrella Insurance Is an Easy Way to Increase Your Coverage

If you have a lot of assets that you want to protect, umbrella insurance is a good way to increase your coverage. It can provide added peace of mind in case of an unfortunate event.

If you’re looking for extra protection for your finances, umbrella insurance is a smart option. It’s affordable, covers a wide range of situations, and can help protect your assets in the event of a lawsuit. So if you’re interested in learning more about this type of coverage, be sure to contact Richard Zeises Agency today. We can help you find the right umbrella insurance policy to meet your needs in Jenkintown, PA.

 

 

 

Umbrella Insurance: A Policy That You Need? Or No?

At Richard Zeises Agency, we provide umbrella insurance policies for Jenkintown, PA area residents. Our team can provide the kind of in-depth policy that your company needs. But do you need one of these policies? Let’s find out now.

Why You Might Need Umbrella Insurance 

Big businesses with a high potential for loss typically need an umbrella insurance policy. This different type of liability coverage pays for what your standard policy does not, ensuring that you get the detailed protection necessary to avoid long-term financial struggles. 

If you’re a major corporation or a business that does millions of dollars in deals regularly, you need an umbrella policy right away. People coming at you with a lawsuit will be swinging big, and you need protection that will keep you from losing out too much in the process.

When Umbrella Insurance Might Not Be Right for You 

While umbrella insurance policies are usually an excellent investment, some people may not need them. For example, if your business is relatively small and doesn’t have a high risk of liability problems, umbrella policies may be extraneous and cut into your bottom line. 

As you expand, though, it is wise to start considering your umbrella insurance policy upgrade. First, talk to your commercial insurance provider about your policy to see what limits it provides. If your company gets to the point where it could experience losses on that level, buy an umbrella policy. 

Call Us to Learn More

Contact us at Richard Zeises Agency to protect your Jenkintown, PA area business with an umbrella insurance policy. You deserve the peace of mind these policies can provide. We’re always ready to give you the help that you need to keep yourself and your business safe with better insurance.

Common Scenarios When Umbrella Insurance Can Help You Protect Your Assets

For over 25 years, Richard Zeises Agency has helped Jenkintown, PA residents find the insurance coverage they need. We offer flexible policies to ensure that our clients are prepared for any scenario that they encounter. We take pride in offering quality customer service.

Common Scenarios When Umbrella Insurance Can Help You Protect Your Assets

Umbrella insurance adds an extra layer of security if you are involved in a liability dispute. Umbrella insurance is supplemental coverage that helps you protect your assets. Here is a look at some common scenarios when umbrella insurance can assist you.

Property Damage

Umbrella insurance protects you if you accidentally cause damage to someone else’s property. Perhaps you are ruled to be at fault for an auto accident, or your vehicle damages someone’s property. You can add umbrella insurance to your home insurance policy as well. Maybe you are doing some landscaping, cutting down a tree, and the tree lands on your neighbor’s roof. You are responsible for the damages, and umbrella insurance can help protect you from losing your assets.

Accidental Injuries

Umbrella insurance is commonly relied on to assist people who are dealing with potential litigation regarding bodily injuries. You are responsible if someone gets injured while visiting your home. You are also responsible if your pet accidentally injures someone or causes damage to their property. If you have a swimming pool or another high-risk accessory on your property, umbrella insurance is a real asset. You could face serious litigation if someone gets hurt. Umbrella insurance will protect you.

Commercial Litigation

If you are the owner of a Jenkintown, PA business, umbrella insurance covers you if you face allegations of slander, libel, and wrongful termination.

Richard Zeises Agency Will Help You Stay Protected

Visit our website to learn more information about umbrella insurance.  

Why is investing in umbrella insurance a good idea?

Those that live in the Jenkintown, PA area will have a variety of different insurance needs. One effective form of coverage that should be considered is umbrella insurance. This is an additional form of personal liability insurance that could prove to be very valuable. There are several reasons why getting this coverage is a good idea for most people. 

Covers for Unforeseen Risks

A primary advantage of getting umbrella coverage is that it will cover you for unforeseen risks. While some types of liability risk can be directly planned for, such as if you cause a car accident, others can be much less predictable. With an umbrella policy, you are going to receive a lot more support for risks that you may not see coming as this insurance gives a more blanket form of coverage. 

Covers for Larger Liability Claims

Most people are going to receive coverage through their home and auto policies. The majority of the liability claims that would be covered by these policies will fit under the policy limit. However, more significant accidents do happen, and if the damages exceed your policy coverage, you will need to come out of pocket to cover the balance. If you have an umbrella policy, you will get the coverage that you need as it will provide protection on top of the home and auto insurance. 

Getting umbrella coverage is a good idea for anyone in the Jenkintown, PA area. As you are looking for a new policy here, contacting the Richard Zeises Agency would be a great option. The insurance team at Richard Zeises Agency can give you a lot of guidance. Picking this form of insurance is never easy, but our insurance professionals can provide you the support you need.