Condo insurance is a basic form of coverage for every condo owner. When you have a condo insurance policy, it gives you several different types of coverage. Owning a condo means you don’t need regular home insurance, as it covers the entire dwelling. Instead, condo insurance caters to condos and the portions of them that you own. When you need condo insurance for your home, give us a call at Nieroda Insurance Agency in Saint Charles, MO.

Covering Your Dwelling

An important part of condo insurance is the coverage for your condo. The policy will cover the inside of the condo and exclude the outside walls and portions you don’t own. Often, that means coverage for the inside of the condo up to the inside portion of the outer walls. With this coverage, a damaging event to your condo can be covered so that the policy will pay for the needed repairs. This can save you tens of thousands on repair bills or even more. 

It Covers Your Belongings

Next to your home, your possessions are likely your most significant investment. With condo insurance, everything inside your home is covered. A damaging event that happens and destroys your belongings won’t mean you have to start all over again without anything. The policy can pay for you to replace what you lost. 

Liability Protection

Another type of coverage that you get with condo insurance is coverage for your liability. If a third party came into your home and had an accident that injured them, your policy would pay for the resulting medical bills. 

Get Your Condo Policy

It’s important to keep condo insurance to protect yourself in several ways. Call us at Nieroda Insurance Agency in Saint Charles, MO when you need this insurance.

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!

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.

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.

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.