How Commercial Insurance Can Protect Your Business

Business owners have a special responsibility to their selves, their employees, and their customers. You have invested a great amount of time and money into your company. If you want to protect this investment, the best place to start is through a solid commercial insurance plan. At Nieroda Insurance Agency Saint Charles, MO we know that in order for you to make the best insurance choices, you need the best insurance information available. This is why we make it a priority to provide our clients with great insurance info. Please keep reading to find out what you need to know about commercial insurance and how it can help to protect your business. 

What is Commercial Insurance?

Commercial insurance is a special type of insurance product which will help to protect the important investments of time and money which you have put into your company. Your company operates on my levels with many moving parts, and all of those parts need protection. We can provide you with one simple policy to cover everything that is important to you so that you can focus more of your time and energy on your business. 

What Does Commercial Insurance Cover?

Your commercial insurance policy can be customized to meet your specific needs, but in general, a commercial policy will cover the following areas:

Property Damage- This type of coverage will provide for repairs or replacement of equipment or facilities lost or damaged due to fire, natural disaster, or burglary. 

Auto Coverage- If you operate vehicles in your company we can provide you with the necessary insurance. 

Liability Coverage- If someone is injured at your facility or because of your goods or services, liability insurance will cover any medical bills or legal fees which could result. 

If you would like to learn more about our services, please contact Nieroda Insurance Agency, serving St. Charles, MO. 

Three of the most important things to remember when you’re selecting a motorcycle insurance policy

At Nieroda Insurance Agency, we provide motorcycle insurance policies to riders in Saint Charles, MO. We can answer questions you have about motorcycle insurance coverage in Missouri. 

The following are three of the most important things to remember when you’re selecting a motorcycle insurance policy.

Purchasing both collision and comprehensive coverage offers the most complete coverage for your bike.

As a rider, one of your priorities is likely to be protecting your bike. If you want to make sure you protect your bike as much as possible, it’s best to invest in both collision coverage and comprehensive coverage.

When you invest in both of these types of coverage, you’ll be covered for damage from fire or theft in addition to accident damages. 

Investing in added liability coverage is a good idea.

It’s not a good idea to just buy the minimum liability coverage amount that’s required by law. If you invest in added liability coverage, you’ll have more security. You’ll be less likely to end up in an accident that costs more than your liability coverage limits. This protects you financially and gives you more peace of mind. 

Paying upfront is a good idea. 

For most motorcycle insurance policies, you’ll have the option of paying upfront or monthly. Paying upfront is the best idea if you have the money to do so. For one thing, you won’t have to worry about forgetting to make a payment if you pay upfront. Also, many providers will offer a discount to policyholders who pay their full premium upfront. 

Let us help you find motorcycle coverage to meet your needs in Saint Charles, MO. Contact us at Nieroda Insurance Agency to learn more. 

Why do I need a boat insurance policy in Missouri?

In the Saint Charles, MO area, people are going to continue to enjoy warm weather that can exist for much of the spring, summer, and fall. If you are in this area of Missouri, one great investment to make that will help you to enjoy it is by getting a boat. If you are going to purchase a boat here, you do need to get proper insurance for it. There are several reasons that you may need to get boat insurance here.

Insurance is a Requirement for Use in Some Areas

One reason that you should get boat insurance in this area of Missouri is that it can be a requirement for use in some areas. If you want to use certain marinas or waterways, you are going to need to carry insurance. This is often a local necessity as it will ensure that you can pay for any damages that you cause during any type of accident. 

Insurance Protects Asset

You will also want to get boat insurance as it will be able to protect your asset. Buying a boat is a big investment that you need to protect. When you get a full boat insurance policy, you will receive the coverage that you need. This insurance can give you protection against the risk of theft or damage from an accident. 

There are many reasons that you may need to get boat insurance when you are in the Saint Charles, MO area. When you are looking for your next policy, it would be a good idea for you to call Nieroda Insurance Agency. If you do call the team at the Nieroda Insurance Agency, you will get to learn more about how boat insurance can protect you and your asset. 

Who Needs Rental Insurance?

If you don’t own your home, it’s still important that you carry insurance on your belongings so that you’re protected in the event of a fire, theft, or natural disaster. Rental insurance can help replace anything that you lose in these situations, ensuring that everything inside of your rental unit is insured in case an adverse event occurs. Individuals who need rental insurance can contact the Nieroda Insurance Agency, serving the Saint Charles, MO area, to learn more about how to obtain appropriate coverage. 

Student Housing
If you live in student housing, be sure to protect your belongings against fire, theft, or loss. There are often specific policies designed for college students, and your insurance agent can speak to you about the type of policy that’s best for you. This will help ensure that you have the right amount of coverage for your belongings and aren’t carrying more coverage than you need. 

Apartment Dwellers
Individuals or families living in apartments should also consider purchasing rental insurance. Often it is a stipulation of your lease that you carry this type of policy, protecting your landlord from liability in the event of theft, fire, or natural disaster. An insurance agent can review how much you have in your rental and help you select the policy that’s right for you and your family. 

Senior Living Facilities
If you’re living in a senior living facility, it may still be important to carry rental insurance on your belongings. Some independent senior facilities, like condos or townhomes, provide you with quite a bit of space. It’ll be important to protect your personal items with an insurance policy. 

Rental insurance is often overlooked but is extremely important. If you don’t own the property that you reside in, contact Nieroda Insurance Agency in Saint Charles, MO to learn more about this type of insurance. They can assist you each step of the way, helping you to decide on the policy that’s perfect for you and your family. 

A Guide To Help Missouri Residents Find Flood Insurance

Based in Saint Charles, MO, Nieroda Insurance Agency assists the community by offering residents different types of insurance coverage. We are committed to helping our clients through every step of the process, so that they can find insurance coverage that fits their individual needs.

Flood Insurance

Several areas in Missouri are prone to high-risk flooding. Severe flooding has the potential to cause serious damage. As a Saint Charles, MO resident, consider the benefits of flood insurance. Flood insurance protects your property if it is damaged due to severe flooding. The policy also covers your personal items if they are damaged as a result of severe flooding. Flood insurance provides a safety net if a disaster should arise.

If you have any luxury items such as antiques in your home, you may have to amend your policy in order to fully cover those items. Also, make sure that your home has been appraised before you research different policies. This will give you an accurate projection of the true value of your home. That should benefit you while you are searching for the right policy.

If you plan to renovate your home and install new carpeting or a new sink, make sure that you have amended your policy to cover these projects. Do not assume that flood insurance will cover these new items. You can also add extra coverage to protect you if any outdoor structures are seriously damaged due to flooding. This is helpful is your garage suffers extensive damage. You may have to add extra coverage to protect you if your outdoor fence or patio is impacted.

Consult With Nieroda Insurance Agency

We will use our extensive knowledge of the NFIP to help you find coverage. Visit our website today to learn more information.  

3 Reasons to Upgrade Your Saint Charles MO Condo

If you love your condo, you’ll want to make it the best it can be. By upgrading your abode, you can make it a special place for you and your family. Before remodeling your Saint Charles, MO condo, talk to an agent from Nieroda Insurance Agency to see how upgrades will affect your condo insurance. If you own an older condo, here are a few good reasons to upgrade.

Improve Its Appearance

Upgrading your condo can improve its appearance, making it a more inspiring place to live. It also gives you a chance to create an ambiance that reflects your personality. Even small home improvements like new carpeting, modern light fixtures, or a fresh coat of paint on the walls can transform a condo, making it a more personal and unique living space for your family.  

Improve Home Safety, Security and Function

Upgrading your condo’s windows and exterior doors will not only enhance curb appeal, but it will also improve your condo’s safety and security. If you live in an area where crime is a risk, this is a worthy investment to protect your family. By investing in new appliances, you can enhance the function of your condo to make it a more comfortable place to live.

Increase Condo Value  

Major upgrades like a kitchen or bathroom remodel, adding a new guest room, or increasing storage space can increase the value of your Saint Charles, MO condo. If you decide to sell in the future, these upgrades will enable you to get a better price. Modernizing your condo will give it greater appeal to buyers and make it a more marketable property.

Once you’ve completed your projects, don’t forget to update your condo insurance to add these upgrades to your coverage. For quality condo coverage at affordable costs, contact Nieroda Insurance Agency.

An Overview Of Warehouse And Logistics Insurance

Nieroda Insurance Agency assists the Saint Charles, MO community through helping residents find coverage. We have partnered with a large network of Missouri carriers to make sure that our clients find the insurance coverage that they need regardless of their situation.

Warehouse and Logistics Insurance

If you are a business owner who relies on a warehouse as part of your operation, warehouse and logistics insurance can be a major asset. The policy covers warehouse storage operations. The policy recognizes that one business assists another business by managing the property of the other one. The business that stores and transports the cargo is covered in the event that any issues arise regarding storage, labeling, or packing. The coverage helps prevent businesses from being held liable for any issues with the cargo while it’s in transit. You can also add liability coverage to cover you in the event that property inside the warehouse is stolen or vandalized.

The policy covers damage to physical tools, such as forklifts, trucks, and computers while they are being transported. Businesses have protection in the event that any of their important data is destroyed or compromised while in transit. The policy also covers any physical issues related to lighting or damage to the warehouse. You can amend the policy to cover the removal of excess debris in the warehouse. If the warehouse suffers an equipment failure that causes damage to the stored property, you will also be covered. Warehouse and logistics insurance ensures that your business, as well as the other business, is covered through the entire transportation process.

Nieroda Insurance Agency Will Help You Find Coverage

For more information on warehouse and logistics insurance policies, stop by our office in Saint Charles, MO. We will assist you.

Benefits of Life Insurance

When faced with the task of purchasing life insurance policies many people will struggle to decide if the benefits of the policy are worth paying the premiums every month.  Nieroda Insurance Agency can help people in the Saint Charles, MO area to better understand the basics and benefits of a life insurance policy. Their agents will assist in making the right decision for you and your intended beneficiary.  There are two basic types of life insurance and each has its own benefits. There are whole life insurance policies that cover you for your entire life whether you live to be 40 or 115; while term life insurance policies only cover you for the term of the policy which can range from one year to twenty.  

Most people see the biggest benefit of whole life insurance as the fact that these policies last the insured person’s entire life.  Whole life policy premiums don’t increase during the life of the insured.  This means that premiums, the amount of money you pay each month to keep the policy in effect, will be higher than a term life policy when you first start to pay on it. The extra premium money becomes the cash value for the policy.  The insured can borrow this money or withdraw it early.  Of course, you must repay the loan and continue to make premium payments as well.  Your beneficiary will not pay tax on the death benefit money when they receive it.  However, the beneficiary is only paid the amount of the policy.  They will not receive any cash value money there may be.  

The benefit of term life policies is that premiums are lower at the beginning of the policy.  If the insured dies within the term of the policy then their beneficiary will receive a tax free cash payout. Most insurance companies require that the potential policyholder be examined by a doctor to make sure they do not have any serious health problems.  It can be seen as a benefit that the doctor’s exam is only required in the first term.  Premiums often increase every time the policy is renewed and as the policyholder ages.  The death benefit does not increase, however, unless the policy is changed.  The higher the death benefit the higher the premiums usually.

Understanding the benefits of each type of life insurance will help you decide which is best for you and your beneficiary.  In the Saint Charles, MO area please visit the website for Nieroda Insurance Agency to begin your search for the right life insurance. 

Three important commercial insurance coverage

Commercial insurance is not just one insurance. It is many different insurance protections. The type of commercial insurance that you need to cover your business should be tailored to your particular business. At Nieroda Insurance Agency in Saint Charles, MO our experienced agents know the questions to ask in order to determine which types of commercial insurance would be a benefit to your business and which ones would not. 

Some commercial insurance is more generally beneficial to many different types of businesses in many different locations. Others are specialized to fit particular types of business. These are three important commercial insurance coverages. 

Commercial Property Insurance

Commercial property insurance is something that almost every business needs whether you own your property, rent, or work from home. It covers the physical assets of your business. This includes things like machinery, office equipment, inventory, and even the sign outside your business. Common hazards covered are fire, explosion, vandalism. bursting pipes and theft. Exclusions include floods and earthquakes which may be covered under separate policies. 

Workers’ Compensation

In Missouri, employers are mandated to carry workers’ compensation insurance. Most businesses must have 5 or more employees to be required to carry the insurance but in the construction industry, only one employee is necessary. 

Commercial Liability

Commercial liability insurance can be the difference between staying in business and closing your doors. In the event that a lawsuit is brought against you and a judgment won, it will help to pay that judgment up to the amount on your policy. Having to pay this out of pocket could cost you your business. 

At Nieroda Insurance Agency in Saint Charles, MO we think that every business should have a commercial insurance policy that fits their business. Come in or give us a call to make an appointment to sit down with a knowledgable member of our team to discuss your needs. 

Is motorcycle insurance required in Missouri?

Nothing else is quite like hitting the open road on a motorcycle. It offers an unparalleled sense of freedom. Missouri has a lot of roads, it is number 7 in the nation for state highway miles at 33.838. Add to that 28,292 miles of minor roads and you realize that you have years of pleasure ahead of you. But these are not the only statistic that the Missouri Department of Transportation provides, 5.5 million registered drivers will be sharing all those roads with you. Understanding motorcycle insurance is something that the team at Nieroda Insurance Agency in Saint Charles, MO understands and can help you understand. 

All drivers in Missouri including those who drive motorcycles are required to carry liability insurance. Missouri is a 25/50/10 state. That means that you must have $25,000 in bodily injury per person and $50,000 per accident with $10,000 for property damage.  This is the minimum allowed, the minimum is not right for everyone. Before you decided to get just the insurance that is required you should consider what insurance you need to have peace of mind.

If you are involved in an accident with a driver without insurance or who is underinsured it can be a problem if you don’t have coverage. Motorcycles and their riders are more likely to be the not-at-fault party and you need to be sure that you carry enough insurance to make sure that you can have your bike repaired or replaced. A quality bike is a major investment and you need to protect that investment. Uninsured/underinsured coverage, as well as collision and comprehensive, can help keep you covered. 

At Nieroda Insurance Agency in Saint Charles, MO we will sit down and discuss motorcycle insurance with you in terms that make sense. As an independent agency, we offer products from different carriers and can find one that fits your particular needs. Give us a call or stop by for a no-obligation quote.