Does warehouse insurance also protect inventory?

If you are a warehouse owner in the Saint Charles, MO area, you can rely on Nieroda Insurance Agency for your specialized insurance needs. We provide the protection you need to keep your clients’ inventory safe. Give us a call today.

Specialized warehouse insurance

If you own a warehouse, it is likely that you will provide storage space for other companies. Warehouse storage is typically a way for other businesses to manage their inventory. With the right policy, you can protect your warehouse structure, any equipment that you may have therein, and any inventory that you may be storing for a third party. 

For example, if there is a fire at the warehouse and all of its contents are destroyed, there can be liability issues. With the right policy in place, you can protect your company from this liability. There are warehouse policies available that will provide comprehensive protection.

This means that your building and all of your equipment are protected. It can also mean that your clients’ inventory is also covered. You will not be held liable for this loss. The inventory replacement cost can be covered if you have the right policy. Storing other companies’ inventory requires that you fully protect yourself.

Sitting down with an agent who understands the intricacies of this type of specialized insurance is the first step. Finding the right warehouse policy can be a complicated undertaking. 

We can help you find the right warehouse insurance policy today

Nieroda Insurance Agency is here for the Saint Charles, MO business community, and we can help with all of your commercial insurance needs. Call our office today and schedule a consultation to learn more about how insurance can protect you from liability. We look forward to working with you!

Auto insurance for teen drivers in Missouri

Saint Charles, MO area families with teen drivers can count on the team at Nieroda Insurance Agency for all of their auto insurance needs. Protecting a teen driver may mean that they need their own policy rather than remaining on the family policy. Of course, every situation is different, so we are here to help!

Understanding teen driver auto insurance needs

Learning to drive is an exciting time in anyone’s life, as it can mean greater freedom and independence. With this new privilege comes increased responsibility. Helping your teenager become a responsible driver is an important part of parenthood. And, so too is obtaining the proper auto insurance protection for their needs. 

Understandably, teen drivers can be involved in more fender benders and experience a higher number of dings and dents to their cars than more experienced drivers. Because of this, teen drivers’ insurance needs are often different than the needs of other adult family members. Of course, if you are fortunate enough to have a skilled teen driver, this may not apply to your situation.

Sometimes it makes sense to add new drivers to the already existing family policy, while in other scenarios, getting a separate policy for the teen is the right way forward. For most families, this decision comes down to cost. Whichever solution works best for your family, you can count on us to answer any questions that you may have about insuring the teen drivers in your life.

Give us a call today!

Nieroda Insurance Agency is here for the families in the Saint Charles, MO area. If your teenager is getting ready to start driving, let us help you find the right insurance solution. Want to find out more? Give us a call or stop by today!

Is a comprehensive auto policy right for you?

Saint Charles, MO residents can rely on the Nieroda Insurance Agency for their auto insurance needs. If you are wondering if you might benefit from a more comprehensive auto policy, we can help you review your options. Give our office a call today!

Benefits of a comprehensive auto policy

Choosing the right auto policy for your needs doesn’t have to be an overwhelming experience. Yes, there are many options available, and it can seem like a lot of information to absorb! But, if you are considering which policy is right for your needs, don’t forget to take a look at some more comprehensive policies. 

Your lender may have a certain level of coverage that they require you to carry. This does not mean that this is the best coverage for you. This basic level of protection will give you some level of protection, but it may not be all you need or want. Comprehensive policies can provide you with features like 

  • Car rental reimbursement if your car is inoperable due to a covered event.
  • Discounts for multi-line policies when you have several different policies from the same provider.
  • Roadside assistance when you need mechanical or towing help when out on the road.

Why not consider all of your options before making your decision? You may be pleasantly surprised by all of the different features available with a comprehensive policy.

Give us a call to find out more!

Nieroda Insurance Agency is here to provide residents in the Saint Charles, MO area with the insurance they need. If you wonder which type of auto insurance is right for you, give us a call or stop by our office. We can help!

Commercial Insurance Options for Online-based Businesses

Operating your business in the online space is cost-effective and convenient to reach your customers in almost every corner of the earth. While e-commerce is a great way to do business, it doesn’t mean that your business is free from risks. You may not have a physical office, but you face risks just like any other business. For persons operating online businesses, Nieroda Insurance Agency in Saint Charles, MO is here to break down the insurance coverages you need to consider for your business for optimal protection.

Liability coverage

Most, if not all, online businesses should invest in general liability coverage. Suppose your defective products injure a customer. Or you fail to deliver a product or service, resulting in a breach of contract. In both cases, your business can suffer financial losses, especially when sued. Given that liability claims aren’t uncommon in the business world, invest in liability coverage to be on the safe side.

Property insurance

While you may not have a physical office, you probably have other assets, including IT equipment, inventory, stores, delivery vehicles, and so on. Invest in property insurance to protect your assets against theft, fire, vandalism, and other risks.

Worker’s comp insurance

If you have any employee in your business, you must invest in worker’s comp insurance. This coverage is not only mandatory but also protects your employees against illnesses and work-related injuries.

Cyber liability insurance

Your e-business suffers significant losses after a few minutes of server downtime. Now, imagine the financial loss if your IT infrastructure is compromised for hours or days! Given that cyber-attacks are a real threat to e-businesses, you must invest in cyber liability insurance to help your business recover after an online attack.

Ready to get started with business insurance in Saint Charles, MO? You are on the right track. All you need now is to contact Nieroda Insurance Agency for an affordable quote.

How to prepare for a home insurance claim

A home insurance policy covers you against the financial obligation if your residence suffers damage along with liability coverage arising from lawsuits. This policy mainly covers four kinds of incidents: interior damage, exterior damage, injuries, and loss of personal belongings. In case of a disaster, you need to understand the procedures to follow to make your insurance claim. Do you need help with your home insurance claim? Nieroda Insurance Agency in Saint Charles, MO has the right professional to assist you with your claim. 

How to prepare for a home insurance claim?

While having a home insurance policy gives you all the peace of mind you need, it is crucial to know how to prepare for a home insurance claim before it happens. Here are tips you can use to prepare for your home insurance claim.

Understand your home insurance coverage

It is essential to have all the details of your insurance policy at your fingertips. Begin by identifying what is covered and what is not covered to avoid filing claims on what is excluded in your policy.

  • Develop a home inventory

If you are a resident in Saint Charles, MO, create a home inventory of your personal belongings to ensure that the insurance company pays for every item that has been destroyed. Nieroda Insurance Agency prides itself on keeping its word and is more than willing to compensate you for your insured losses. Keep receipts, photos, and other information you find valuable to substantiate your claim.

  • Building a relationship with a good contractor

It can be problematic to find a contractor while you are already dealing with the loss of your personal belongings and filing your insurance claim equally. Building a good rapport with a reliable contractor is crucial for a fast response and better service.

Whether you have put these preparations in place or not, you can trust Nieroda Insurance Agency in Saint Charles, MO, to offer you all the support you need to ensure you are back to your regular routine again. Do you need a home insurance policy? Talk to us or reach out to us on our website!

Catastrophic Home Insurance: What Does It Cover?

Do you want to protect your Saint Charles, MO, home with high-quality insurance? You may need to work with us at Nieroda Insurance Agency to understand catastrophic home insurance and its unique benefits. By understanding these factors, you can choose the best options for your needs. 

What is This Insurance Type?

Catastrophic home insurance is exactly what its name implies: a policy that covers damages and losses caused by a catastrophe of some sort. This policy will cover natural and man-made disasters of many types and keep your home protected from various types of serious problems. 

How does this vary from your traditional home coverage, which does provide protection for disasters? Typically, it covers those disasters that your normal home policy may not. Understanding the different issues covered by these policies can minimize concerns and ensure you are satisfied. 

Coverage Options With Catastrophe Insurance 

If you want to purchase a catastrophe insurance policy, it is important to understand what options are available to you, including:

  • Floods – Catastrophe insurance can provide you protection against floods and keep your home safe. 
  • Hurricanes – If you live in a hurricane or tornado zone, get catastrophe insurance ASAP. 
  • Earthquakes – People in areas prone to earthquakes may need specialized catastrophe insurance. 
  • Tsunamis – Though obviously not an issue in Missouri, catastrophe insurance does cover tsunamis. 

Talk with your agent to learn more about the catastrophes you can add to your policy. Doing so should help to make it easier to find an option that suits your needs as a homeowner.

We Can Help You 

If you live in Saint Charles, MO, and think catastrophe insurance sounds beneficial, don’t hesitate to call us at Nieroda Insurance Agency right away to learn more. We’ll work with you to find a policy that makes sense.

Motorcycle Insurance in Missouri: The Facts

One of the best ways to see the beauty that Missouri has to offer is to travel by motorcycle. If you own a bike and use it as your mode of transportation to work, on the weekends, or on long road trips, motorcycle insurance is essential for your safety, the protection of your bike, and the safety of other drivers. 

At Nieroda Insurance Agency, we’re proud to serve the residents of Saint Charles, MO, and the surrounding areas. If you’re looking for a quality motorcycle insurance plan, we’re here for you.

Here are a few ways motorcycle insurance can best serve and protect you in Missouri. 

Liability coverage for your bike

This is the only coverage required by Missouri law, but we highly recommend investing in additional liability coverage that protects you and your bike in the event of an accident. Additional coverage simply means you’ll have a greater chance of being entirely covered in any scenario, and won’t have to pay anything out of pocket.

How to protect your bike

Protecting your motorcycle is likely very high on your priority list. If it’s your primary mode of transportation, this is definitely true. Protecting your bike can be done through collision coverage and comprehensive coverage, which covers accidents, damage, and theft. 

We can’t stress enough the importance of insuring your motorcycle here in Saint Charles, MO. If you have questions or concerns about the best motorcycle insurance plan, don’t hesitate to reach out to Nieroda Insurance Agency today. Our team has years of experience in auto, home, life, and recreational insurance. We’re happy to help you select the best plan suited for your lifestyle that will provide you with the security that you and your bike are both safe.

Top 5 Add-ons to Boost Your Home Insurance Policy

Your home isn’t just a roof and a couple of walls. Your home serves as a place to unwind and a safe haven for your loved ones. Because your home is the most valuable asset you own, it requires all the protection it deserves.  And speaking of safety, there is no better way to safeguard your home than with home insurance.

Unfortunately, your typical home insurance isn’t perfect. For this reason, you need to consider “add-ons” or “riders” from Nieroda Insurance Agency to boost your home insurance policy. Here are common add-ons to consider for your home insurance plan.

Flood insurance

While floods are common, typical home insurance doesn’t cover damage from floods. Luckily, you can purchase a stand-alone flood insurance policy to safeguard your home and its contents.  You can buy flood insurance from the National Flood Insurance Program or authorized private carriers.

Valuables coverage

High-value items like art, jewelry, and silverware enjoy limited protection from home insurance. However, you can increase protection by purchasing extra coverage to protect your most valuable assets.

Sewer back up

A malfunctioning sewerage system may cause untold problems for your house. While this risk is common, the unfortunate reality is that it isn’t covered by typical home insurance. Fortunately, you can buy a sewer backup rider to protect your home from water damage caused by a clogged or malfunctioning sewer system

Earthquake add-on

Without earthquake coverage, homeowners have to bear the financial loss of debris removal and damage to their houses. Luckily, you can purchase earthquakes coverage to cover structural damage to your house and other detached structures.

Home-based business add-on

Have you started a home-based business? Unfortunately, typical home insurance won’t cover business-related risks. However, you can purchase a home-based endorsement to protect your business assets and shield you from liabilities.

Home insurance in Saint Charles, MO 

Shopping for home insurance in Missouri? Would you please look no further than Nieroda Insurance Agency for a competitive home insurance quote?

Missouri Boat Insurance: Bodily Injury Coverage Explained

When you are considering boat insurance or thinking of renewing your boat insurance policy, it can be very easy to get confused by the terms and jargon. Bodily injury coverage is one of those terms.

At Nieroda Insurance Agency, we want Saint Charles, MO boaters to have all the coverage that they need. We can help you to understand all the terms that are coming your way when you are looking at your boat insurance policy.

Bodily Injury Coverage

There are different kinds of medical coverage when it comes to your boat insurance policy. There is Medical Pay coverage and bodily injury coverage. Because there are different medical coverages, in addition to your own health care coverage, understanding the differences can be confusing.

Medical pay coverage refers to the coverage you make claims on when you need to make an injury claim for something that happened to you on your boat. Medical payments also covers accidental death.

Bodily injury coverage is liability coverage. This coverage refers to the coverage that you claim when you are at fault for an accident or injury. If something happens to someone else on your boat, your bodily injury coverage will pay for that.

Bodily injury coverage will have a cap. This will cover any expense to an accident that happens to someone else when you are at fault or liable in an accident. Bodily injury coverage may not just include their medical coverage. It can also include any lost wages.

Get a Quote

If you want to update your boat insurance to include more bodily injury coverage or renew your boat insurance policy, give us a call. At Nieroda Insurance Agency, we want Saint Charles, MO residents to feel secure with their boat insurance coverage. Call us for a quote today.

Frequently Asked Questions About Renters Insurance

Most people don’t know about the importance of renters’ insurance. It’s a type of coverage that shields renters in an apartment after a covered loss. While it’s mandatory for all tenants, this protection is necessary for protection against future occurrences. Nieroda Insurance Agency provides renters in Saint Charles, MO with quality insurance services. The following are some of the commonly asked questions about renters insurance.

What are things covered in renters insurance?

Renters’ insurance caters for more than just reimbursements in cases of theft or fires. If someone suffers a personal injury while in your house, you can file a claim with your insurer. In cases where you move away from your rental for repairs, the accommodation costs are also covered.

What common events does renters insurance cover?

Different policies cover the different events. The most common ones covered by renters insurance are riots, explosions, fire and lightning, hail and windstorms, vandalism, smoke damage, appliances damage, and theft.

Who needs renters insurance?

Any renter owning possessions that are costly to replace or repair needs renters insurance. There are many unforeseen expenses in thefts and calamities, and if you can’t foot the bill for damaged things, it’s wise to get insured.

Can my landlord ask me to buy renters insurance?

Renters insurance isn’t mandatory or a legal requirement in any state. However, landlords sometimes ask renters to get their rentals insured as a condition of signing the lease. Don’t get shocked when you file a rental application and the landlord asks you to buy a renters insurance policy.

Will renters insurance cover my roommates?

Every occupant in a rental needs to get their stuff insured in separate policies. These policies ideally cover family members, but they may not cover roommates. In cases where insurers allow roommates to use a single policy, renters agree on a coverage level.

Renters insurance helps cover estimated potential damage in Saint Charles, MO. Disasters strike without warning, and you need to be prepared for the eventuality. Contact Nieroda Insurance Agency for a renters insurance plan.