June 24, 2020
AgencyWho is Covered Under Car Insurance After an Accident?
Accidents are scary at best. They can shake your tense of comfort, not to mention leading to injuries for you and your passengers. Car insurance is designed to take on some of the financial burden of a car accident so you can focus on getting back on your feet. It’s important, then, to make sure […]
May 12, 2020
AgencyDoes Commercial Property Insurance Cover Foundations?
Commercial property insurance provides coverage for business property from a range of dangers, such as fire, wind, hail, theft and vandalism. As with most policies, however, commercial property insurance has its limits. There are some incidents and items that are not covered—including a building’s foundation. A building’s foundation and suffer a lot of damage due […]
March 25, 2020
AgencyWhy is Car Insurance so Expensive?
On average, car insurance costs $1,457 a year in the U.S, which is about $121 a month. New drivers may think that car insurance is simply expensive no matter what, but this isn’t the case. There are many factors that go into calculating the cost of your car insurance. In general, insurance companies analyze the […]
March 25, 2020
AgencyWho is Not Eligible for a Business Owners Policy?
When you’re looking for commercial insurance for your business, you’ll come across insurance agencies offering several different packages. These packages are designed to bundle commercial insurance for a cheaper rate than purchasing individual policies. One of these packages is a business owners policy, or a BOP. A BOP combines property coverage and general liability. This […]
February 26, 2020
AgencyDid Your Home Insurance Premiums Go Up? We Can Lower Them.
It’s no secret that homeowners insurance rates can go up right beneath your nose without warning. If your insurance rates are higher than you’d like them to be, Pan American Insurance can help you get a lower price. Why Do Home Insurance Rates Go Up? There are many reasons that an insurance agency might raise […]
February 26, 2020
AgencyCommon General Liability Claims
If you’re wondering whether your business really needs general liability insurance, it’s important to look at the common claims that arise from general liability issues. If you don’t have this coverage, your business—or you—will be paying out of pocket for expensive medical bills, property damage and possible legal fees if an accident occurs. Some of […]
January 27, 2020
AgencyWhat is Not Covered in Car Insurance?
Car insurance provides a lot of coverage for nearly every type of vehicle, but even full coverage doesn’t cover everything. When people talk about full coverage car insurance, they’re not referring to a specific type of insurance. Instead, they mean full coverage as in the highest amount of coverage a car can have. Full coverage […]
January 23, 2020
AgencyAvoiding Injuries in the Workplace
When inviting employees to work within a certain space, employers have a responsibility to make that space as safe as possible. Accidents may happen, but it’s important to avoid preventable injuries. Some jobs, such as contractors and construction workers, are filled with hazards that seem impossible to avoid. For others, however, it’s easy to implement […]
December 20, 2019
AgencyCommercial Auto Insurance: What Qualifies as a Commercial Vehicle?
Auto insurance can be confusing when it comes to running a business. Most drivers already have personal auto insurance and believe their work vehicles are covered, but this isn’t usually the case. If you have employees driving personal vehicles or sharing company vehicles, personal auto insurance won’t necessarily extend in case of a loss or […]
December 13, 2019
AgencyHome Insurance for Generation X
Caught between baby boomers and millennials, Generation X can often be forgotten. But members of Generation X are now at the ages where they’re building retirement funds and settling into their careers and homes. They also tend to have more earners in the household than the other generations. Unfortunately, that money often comes with a […]