Should I Get Life Insurance Along With Motorcycle Insurance?

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If you’ve recently purchased a motorcycle and obtained the proper license to ride it, you know that motorcycle insurance is a legal necessity. But while shopping for insurance, you might wonder if you should also consider additional coverage. Given the inherent risks of riding a motorcycle compared to driving a car, should you also consider getting a life insurance policy? Let’s explore why this might be the right choice and how you can address all your insurance needs with us at Griffith Insurance LLP in West Chester, PA.

Why Pairing Life Insurance with Motorcycle Insurance Makes Sense

Motorcycles lack many of the safety features found in cars. If someone collides with you, fails to notice you on the road, or causes you to swerve off the road, the likelihood of serious injury, disability, or a fatal crash is significantly higher. Motorcycle insurance covers you and your bike, but life insurance can help provide financial security for your family in the event of your untimely death. This combination protects you whether your accident is minor or major. If you’re currently shopping for motorcycle insurance for your bike, consider looking into whole life insurance or term life insurance for additional coverage. It’s likely an investment you’d be making anyway!

Shop for Motorcycle Insurance and More with Griffith Insurance LLP

Contact us at Griffith Insurance LLP in West Chester, PA for motorcycle insurance and beyond. Contact us now to compare quotes!

Summer is Coming: How to Prepare Your Boat For The Water

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Boat owners eagerly anticipate the summer, with most days spent on the water. However, preparing your boat for the expected heavy use must begin now, or you risk missing out on the summer fun. The team at Griffith Insurance LLP in West Chester, PA can create a checklist that protects your boat against offshore accidents.

Clean The Fuel System

An essential first step in preparing your boat for the summer is thoroughly flushing the fuel system. This will remove all the sludge and debris that have built up in the fuel tank during the winter months. If you fail to act before placing your boat in the water, the contaminants will clog the fuel line, causing the motor to stall and not run smoothly through the inlet.

Conduct a General Safety Check

To prepare your boat for a summer on the water, you need to conduct a comprehensive general safety check. First, inspect the hull for any damage that may have occurred while the boat was in storage for the winter. Look for small cracks that could turn into a major leak if left untreated. Severe water damage to the hull could ground the boat for the entire summer.

Also, check the condition of your life jackets and fire extinguishers. Each should be accessible to your passengers in case of an emergency. The life jackets should be Coast Guard-approved and fit individuals of all sizes properly. Confirm each fire extinguisher’s expiration date and ensure they’re functioning correctly.

Having the right boat insurance policy will provide peace of mind while you’re on the water. To update your coverage, contact Griffith Insurance LLP in West Chester, PA to ensure your boat is protected for increased use. Call and schedule an appointment today.

How Does Umbrella Insurance Offer Protection If Someone Sues Me?

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We buy insurance to protect ourselves against accidents and other situations in which we may be found liable for damages. Umbrella insurance protects against accidents whose damage exceeds the limits of your underlying insurance policies and also offers protection when we face certain legal situations. If you want to learn how an umbrella insurance policy might be helpful to you, contact the Griffith Insurance LLP team, serving those in the West Chester, PA, area.

How Umbrella Insurance Protects You When Sued

Home, auto, and other insurance policies cover damage to property and harm to people when policyholders are at fault. Each covers your liabilities up to a set limit, while umbrella insurance kicks in when your liabilities exceed the primary policy limits.

Umbrella insurance also offers protection for legal costs when someone sues you or a household member for various situations, including:

  • Invasion of privacy
  • Libel, slander, or defamation
  • Wrongful eviction or entry
  • Malicious prosecution or false imprisonment

Your individual umbrella insurance covers only personal situations and does not help when you have legal issues arising from your business or professional activities. Umbrella insurance also does not provide coverage if someone sues you due to a contract you entered into. In addition, umbrella insurance will not cover harm due to criminal or intentional behavior on your part.

Like all insurance policies, discussing your situation’s specifics and coverage with your insurance agent is best.

Working With Griffith Insurance LLP

The right insurance plan provides comfort from knowing that you and your family gain protection from specific financial harm. If you live in or near West Chester, PA, and want to discuss umbrella or other insurance, stop by or call us at (610) 431-9900 to speak with the Griffith Insurance LLP team.

How Auto Insurance Handles Single Vehicle Accidents

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Single-vehicle accidents are more common than many realize, often accounting for nearly half of all traffic deaths. They occur when people operate motorcycles, automobiles, and commercial vehicles, so understanding how insurance handles single-vehicle accidents is critical, as is knowing what you should do when you are involved in a single-vehicle accident. The Griffith Insurance LLP team, serving West Chester, PA, is ready to answer your auto and other insurance questions and provide the coverage you need.

Determining Fault in Single-Vehicle Accidents

Pennsylvania is a choice no-fault state, so policyholders can choose whether they want a "no-fault" or "at fault" policy, so there is often the need to determine who is legally responsible for injuries or damages in an accident. The finding of fault leads to financial responsibility for the injuries and damages.

It may seem counterintuitive, but multiple entities can be at fault for single-vehicle accidents. Sometimes, the vehicle operator is found not to be at fault or only partially at fault for an accident. These situations occur when an accident happens due to:

  • Weather-related conditions such as ice, snow, or fog
  • Potholes, broken pavement, or other road faults
  • Hidden street signage
  • Hitting an animal or objects falling from other vehicles
  • Avoiding a vehicle that negligently enters your path
  • Manufacturer or mechanical errors

Obtaining a police report for an accident is essential. Safely documenting the accident scene can help determine fault, so taking pictures or videos that truthfully represent the events contributing to the accident can help identify contributing factors.

Working with Griffith Insurance LLP

For those living in or near West Chester, PA, the team at Griffith Insurance LLP will help you obtain the insurance coverage you need. Stop by the office today or call us at (259) 789-0529 to get started.

Commercial Insurance: For Everything Business Owners Can’t Control

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When people think of businesses, they often think of aspects such as marketing and sales, as well as considerations like company branding or profit and loss margins. Business owners, however, are just as likely to consider concerns like how to and the best ways of protecting their companies. That is also why many business owners in and around the greater West Chester, PA area turn to the experienced and professional team at Griffith Insurance LLP for all their insurance questions, concerns, and needs.

Commercial Insurance: For Everything Business Owners Can’t Control

The good news is, that while business owners have benefited from being involved in virtually every aspect of their business, they also don’t have to do everything alone. There are commercial insurance solutions to help with issues that business owners can’t control, like theft, fires, or even claims.

Yes, owning a business is a full-time job, but business owners can’t do and control everything. That is why smart owners delegate responsibility and take advantage of commercial insurance solutions for all the issues they can’t control and for the protection their companies need.

Commercial Insurance Solutions for West Chester, PA Area Businesses

If you are a business owner in or around the West Chester, PA area and would like to learn more about commercial insurance solutions for your company, we can help. At Griffith Insurance LLP, we can help assess your business needs, and most importantly, we can help protect your company with the right commercial insurance solutions. Contact us to find out more and schedule an appointment for the protection your business needs and deserves at Griffith Insurance LLP today.

How Professional Liability Insurance Protects Your Business From Lawsuits

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Professional Liability Insurance: Protecting Your Business from Lawsuits

Professional liability insurance covers your business against liability when an employee makes a professional mistake with a customer. Your business can be sued if the customer or client suffers a financial loss due to your employee’s actions. At Griffith Insurance LLP, we can help business owners in West Chester, PA protect themselves from a lawsuit with an Errors and Omissions (E&O) policy.

Understanding an Errors and Omissions Policy

An E&O policy provides the policyholder coverage for legal expenses if someone sues you for liability. If you lose the lawsuit, the policy will pay for the damages. The policy prevents your business from being held liable for the costs incurred by a lawsuit, regardless of a win or loss.

The policy works retroactively in that it will provide coverage for a claim during the time you held the policy. That is, you can cancel the policy yet still get coverage for a claim that happened during the period when the policy was in force.

The Need for Professional Liability Insurance

A professional is someone who provides advice or guidance, such as a doctor or a lawyer, to achieve the best possible outcome for a client. However, no one is perfect, and mistakes are made that have an adverse outcome for the client in the form of a financial loss. Sometimes, it happens that the professional did all the right things, but the client still suffers and decides to sue the professional and our business.

Reducing the Impact of a Claim on Your Business

Call us at Griffith Insurance LLP in West Chester, PA today for more information about getting an E&O policy for your business and employees. We’re here to explain how this type of coverage works and how it enables you to focus on running your business while a lawsuit is in motion.

Commercial Flood Insurance: What Does it Cover?

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Understanding Commercial Flood Insurance in West Chester, PA

West Chester, PA is no stranger to flooding. As a local business owner, you can protect yourself with the right commercial flood insurance policy. A clear understanding of what is and isn’t covered by flood insurance can help you save potentially thousands of dollars over time. This can be the difference between a resilient, successful business and one that struggles in the aftermath of a natural disaster.

Coverage Offered by a Commercial Flood Insurance Policy

There are two types of commercial flood insurance. The first type covers your building structure. This includes the four walls, the ceiling, and the integral components like plumbing, electrical wiring, and your HVAC unit. The second type of coverage compensates you if the contents of a building are damaged due to flooding. Both types of coverage have policy limits. If your business premises include expensive commodities, you may need to consider an umbrella policy.

Exceptions to Commercial Flood Insurance

Commercial flood insurance doesn’t provide compensation for income lost due to flooding, cover commercial vehicles on the business premises, or the cost of replacing valuable papers that were lost or damaged in the flood. It also doesn’t cover pre-existing damage. For example, if an insurance adjuster finds pre-existing damage to your flooring during the investigation, it may affect your compensation.

Reliable Flood Insurance from Griffith Insurance LLP

Griffith Insurance LLP is a full-service, independent insurance agency. We specialize in assisting business owners in and around West Chester with affordable insurance. If you wish to learn more about flood insurance or our other commercial insurance policies, please contact us at your convenience to ask questions or receive price quotes.

Plan Your Condo Insurance Inspection

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Embarking on a comprehensive inspection of your condominium can help identify risks that might need additional insurance coverage. Here are some tips to help you prepare effectively for your condo insurance inspection.

Prepare a Checklist of Potential Issues

Prepare a list of potential issues that need addressing before the inspection. For instance, if you reside in an area prone to severe weather, it might be worth bringing this up during the inspection. Your inspection will encompass entranceways, living areas, and personal belongings within your condominium. Identifying any problems during this process could lead to the need for supplemental condo insurance.

Create a Pre-Inspection Cleaning Plan

Ensure your condo is clean and easily navigable during the inspection. Remove any loose items that might hinder the inspector’s ability to evaluate your space thoroughly. Maintain your condo in a state that accurately depicts your normal living conditions.

Consider Storage Options

The inspector will also assess the storage arrangements in your condominium. You should have satisfactory storage options in place for any valuable items you own. If you lack the space to safeguard your possessions adequately, the inspector may provide guidance on storage upgrades. This advice can help protect your belongings, thereby helping manage your insurance risk.

Seeking Further Assistance

You might still have questions about condo insurance and determining the appropriate level of coverage. If this is the case, don’t hesitate to reach out to one of our agents at Griffith Insurance LLP. Serving the West Chester, PA, region, our agents are ready to address any concerns you may have leading up to the acquisition of your condo insurance policy.

Do You Need RV Insurance All Year Round?

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Many individuals use their RV primarily for summer travel, leaving it parked in their yard, driveway, or an offsite storage facility for the rest of the year. Others live in their RVs full-time, traveling continuously. Regardless of how you use your RV, having the right RV insurance is crucial. If you’re in the West Chester, PA area, Griffith Insurance LLP is here to help you find the appropriate policy.

Even if your RV sees infrequent use, it’s usually beneficial to maintain continuous insurance coverage. Insurance isn’t merely about on-the-road protection—it also safeguards you from issues such as fire and theft. Consulting with an insurance agent can help determine whether you need full coverage at all times or if a reduced level of coverage is adequate during the periods when your RV is stored and not in use.

Our agents are here to help ensure you make the most of your insurance coverage, with a focus on long-term protection. Whether your RV is your home or your summer adventure vehicle, we can help you secure a policy that meets your needs and offers appropriate protection. That way, peace of mind is yours, whether traveling or storing your RV.

Contact us at Griffith Insurance LLP today if you’re in the West Chester, PA area and need RV insurance coverage. We can offer quotes from multiple insurers and explain your options so you can feel safe and secure on and off the road.

What Does Renters Insurance Usually Cover?

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If you rent an apartment, renters insurance can protect you from financial liability if a covered event occurs. Renters insurance is similar to home insurance but doesn’t cover the structure because it’s specifically for renters.

The professionals at Griffith Insurance LLP, based in West Chester, PA, can help you find the right renters insurance policy. We are here to assist you if you’re considering renters insurance and wondering about its coverage.

What is Renters Insurance?

Renters insurance is an insurance policy for individuals renting a living space. It doesn’t cover the structure you live in but provides protections that could assist you in recovery after a covered event.

What Does Renters Insurance Typically Cover?

Renters insurance usually covers your personal property and will compensate for the repair or replacement after a covered event occurs. Standard renters insurance also includes liability coverage that will cover repair costs for accidental damage to someone else’s property or medical bills if you unintentionally cause their injury. Additionally, typical renters insurance will cover additional living expenses if you are forced to vacate your home due to a covered event.

Why Should I Get Renters Insurance?

Renters insurance can offer peace of mind during unexpected incidents. It can help safeguard you from financial losses if you lose some or all of your personal possessions during a covered event. Obtaining renters insurance is straightforward when you collaborate with an experienced insurance agent.

At Griffith Insurance LLP, serving West Chester, PA, we help our customers find the insurance policy that meets their needs. We collaborate with numerous carriers to make the insurance search process rewarding and successful. Contact us today to schedule an appointment.