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Curtis Miller Insurance Agency

1800 Blizzard Drive
Parkersburg, WV 26101

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Motorcycle Insurance Types Worth Checking Out

Motorcycle insurance for Parkersburg, WV bikes can provide a high level of coverage protection for a variety of situations. Fully understanding your policy options will make it easier for you to find a provider that meets your needs, ensuring that you are delighted with your overall coverage.

Types of Motorcycle Insurance

Depending on your policy provider, there are many different types of insurance options from which you can choose. Fully understanding your options requires you to grasp just what types they provide and how these different options can benefit you. Just a few choices that you can make when buying high-quality policies from Curtis Miller Insurance and other provides include:

  • New Motorcycle Insurance – If your bike is new or like-new, this type of policy will provide payment for various issues.
  • Vintage Insurance – When your bike is older or considered vintage or antique, you can bet specialized policies to pay for the damage.
  • Moped Policies – Bikes that are street legal but low-power – such as 50cc mopeds – may require specialized policies in some areas.
  • Dirt Bikes – Insuring your off-road dirt bike is a good idea if you compete in extreme sports or other types of regular events.
  • Other Policy Types – Insurance companies usually provide scooters, customized bikes, sports motorcycles, touring bikes, and even trikes.

Most of the time, your policy will be chosen based on the type of bike that you own. However, you may also get specialized collision, liability, and even some umbrella policies to help protect your bike.

Find a Policy Today

So if you’re interested in a high-quality motorcycle insurance policy that will protect your Parkersburg, WV bike from damage, contact us at Curtis Miller Insurance right away. We will find an option that meets your needs and help you fully understand everything that it covers.

Why You Need Life Insurance

No one will live forever. The statement’s weight is evident when a breadwinner in a family dies suddenly without a proper financial plan for their dependents. While death is a touchy subject, discussing the welfare of your dependence in case of your untimely demise should be a welcome conversation. Life insurance is the solution to your questions on your immediate kin’s interests when you are no longer alive. 

Why You Need Life Insurance?

If you live in Parkersburg, WV, here are some benefits you can derive from our life insurance plan at Curtis Miller Insurance. 

To Protect Your Family and Loved Ones

The welfare of your dependents will be at stake in case of your untimely death. Whether it’s your children or older parents, ensuring their protection is your ultimate responsibility if you are no longer there. Life insurance helps you protect those who depend on your income. It ensures there’s enough money to manage the education and other daily living activities for your dependents. 

To Leave an Inheritance 

It’s not always that you’ll have an inheritance in asset form to leave behind. If you don’t have assets in place to pass on to your heirs, life insurance can bridge that gap for you. Life insurance is a perfect way to set your family up for a stable future. Life insurance can provide your loved ones with a concrete financial plan to meet their future financial needs. 

Get Past Debts and Creditors 

The debts you incur in life can be a real concern for your family if you are no longer available to handle them. What will happen when creditors descend on your family demanding payments for debts owed? Life insurance helps your family manage such an accumulated financial burden when you are no longer alive. 

To Ensure Peace of Mind 

It’s such a relief to know that you have a safe stash of cash somewhere safe. Peace of mind is essential, considering that you don’t know how long you’ll be on earth. You don’t have to endure the fear of the unknown as long as you have life insurance. 

Contact us Today 

Whether you are young or advanced in age, life insurance can help you live a legacy for your dependence. Your immediate family won’t have to worry about education, sustenance, or debts. Our life insurance coverage at Curtis Miller Insurance offers comprehensive coverage for residents in Parkersburg, WV and surrounding areas. 

Contact us today for all your life and other insurance-related needs. 

Reasons To Get Flood Insurance

According to the official statistics, about 8% of the population of the United States has experienced some kind of major disaster. One of the most common disasters is flooding. For this reason, having flood insurance is important, even if your home is not located in a flood-prone zone. Curtis Miller Insurance serving Parkersburg, WV prepared a list of reasons why getting flood insurance is a good idea:

Save Money

Whether you live in a flood-prone zone or not, having flood insurance may help you save thousands of dollars. If your home does experience a flood that causes damages, you could end up paying a fortune for repairs and fixings if you are not insured. 

Have Peace of Mind

One of the main benefits of purchasing flood insurance is having peace of mind and knowing that even if a flood occurs, your home and personal belongings will be safe. 

Floods are very common

Flooding remains one of the most common natural disasters in the US. Floods occur in all 50 states, meaning that no one is fully protected. Even if you do not live in a flood-prone zone, it does not mean that a flood will never happen. 

Flood Insurance Is Affordable and Easy

Many people do not buy flood insurance because they think it is an expensive and complicated process. In fact, it is quite straight-forward and affordable. Moreover, it can help you save thousands of dollars in repairs and replacement. 

We Are Here To Help You

Finding a proper flood insurance policy may be a challenging task, especially if you have never done it before. Curtis Miller Insurance serving Parkersburg, WV is ready to help you find a policy you need. Our qualified and experienced insurance agents are ready to assist you and answer all your questions. Feel free to visit our website or give us a call for more information. 

Required Commercial Insurance in West Virginia

If you own a business in West Virginia, the state dictates which types of commercial insurance that you must carry. There are two types that the state mandates, and there are other types that are often recommended to business owners but are not mandatory. If you need commercial insurance for your business, contact us at Curtis Miller Insurance in Parkersburg, WV to talk to an agent about your business and its needs.

Workers’ Compensation

This is a type of commercial insurance that is required of all businesses that have at least one employee. You may have just one worker who is part-time, but you will still have to take out an insurance policy for that employee. This coverage type protects your business and yourself as well as the person who was injured or became sick. With this policy, a work-related injury or illness that comes with medical bills will have those bills paid up to your policy’s maximum. This keeps both you and your business from having to pay for these medical expenses. This type of insurance can allow your business to continue even after a serious injury or death.

Auto Insurance

If your West Virginia business owns a vehicle, it must be covered by a commercial auto insurance policy. This coverage must have a specific minimum of coverage for each person’s bodily injury liability as well as an amount for the bodily injury liability of the entire accident. You must also have coverage of a specific amount for property damage liability for each accident as well as a specific amount of coverage for one injured person who is an uninsured motorist. 

Insure Your Business

If you don’t have your required commercial insurance policies, or you want to change to a different carrier, contact us at Curtis Miller Insurance in Parkersburg, WV to talk with an agent.

3 Benefits of Having Commercial Insurance for Your Business

Commercial insurance is essential for any type of business. Without it, your company is open to devastating financial loss that can eventually ruin your business. Protecting your business with the right type of commercial insurance coverage will give you the peace of mind you need. At Curtis Miller Insurance, agents can assist business owners in Parkersburg, WV when they have questions about protecting their business.

Reduces Risk of Financial Losses

Commercial insurance reduces the risk of financial loss that may be the result of lawsuits or other types of legal action. Financial loss can also be the result of damage caused by storms or other types of disasters. Storm damage can be quite costly and hard to prepare for that’s why having a commercial policy in place is so beneficial.

Keeps Your Business Running Smoothly

If an accident does occur or your business experiences significant financial loss, your commercial insurance will kick in and guarantee that your business will be able to make it through this difficult time. Keeping your business running smoothly during difficult times is extremely important.

Covers Various Types of Liability

Commercial insurance covers many different types of liability including product liability, property liability, and personal liability in case someone is accidentally injured while they are on your property. Understanding how liability affects your business is extremely important.

If you live in Parkersburg, WV, call and speak to the agents of Curtis Miller Insurance. They can help you understand why having commercial insurance is so important. They will be able to evaluate your business and give you insight into how commercial liability will help your business. If you have questions, they have the answers you are looking for.

How Does Classic Car Insurance Differ from Personal Auto Insurance

For many, owning a classic car is the fulfillment of a lifelong dream. As a result, you want to ensure that your beautiful vehicle is covered to the fullest extent possible so that if an accident occurs you can recover from the loss quickly and with as little monetary loss as possible. While you can certainly use personal auto insurance to cover classic vehicles, personal policies are not designed to account for the appreciation that many collector cars have. For example, personal auto policies take depreciation into account which means that if you own the vehicle for three years and are in a total loss accident the insurance company will not pay you sticker price. With classic car insurance, you’ll work directly with your agent or the company to determine the actual value of your vehicle so that if an accident does happen the insurance company will take the collector status into account. To qualify as a classic or collectible car, the vehicle must be at least 25 years old and be appreciating in value. If the vehicle is less than 25 years old then it must be considered rare or exotic and have significant appreciation in value. 

Outside of that key difference, classic car insurance offers the same coverage options as traditional auto insurance with everything from comprehensive to liability to uninsured motorist coverage. Shopping for classic car insurance doesn’t have to be stressful and by leveraging the talented and friendly team at Curtis Miller Insurance in Parkersburg, WV you’ll rest easy knowing that we’ll do the hard work to find you the perfect policy for your needs without breaking the bank. When your classic car needs protection, give us a call to schedule an initial consultation to discuss your needs and coverage options. 

Why should I get flood insurance?

In the Parkersburg, WV area, owning a home can be a great long-term personal investment. When you are in the market to purchase a home here, you should consider all of your insurance needs. While all people will need to have a standard home insurance policy, others may also need to get insurance to protect against flood damage. There is a range of reasons why you should get a full flood insurance policy for your property in this area of West Virginia.

Offers More Flood Protection

The main reason that you should get flood insurance in this area of West Virginia is that it can offer you more flood protection. Anyone that lives around here knows that the local waterways do come with some risk of flood damage. If you do not have sufficient coverage through other insurance policies, you should consider getting a flood insurance plan as it will give you the additional coverage you need to protect your home and provide you with comfort.

Flood Insurance is Often Required

Another example of why you should get flood insurance is that it can ensure you remain in compliance with your flood insurance requirements. Depending on where your home is located, you could be in a designated flood zone. If this is the case for you, your mortgage lender will undoubtedly require you to get appropriate coverage. In most cases, you will need to have your flood insurance payments escrowed each month along with your real estate taxes and base home insurance policy.

As you are looking for flood insurance in the Parkersburg, WV area, it could be challenging to determine your actual need. The team at Curtis Miller Insurance can help you with this. When you call Curtis Miller Insurance, you can get the support and guidance you need to understand your options and to choose a policy. 

Do I need to get commercial insurance in Parkersburg?

When you are in the Parkersburg, WV area, you could find that the local environment will make it a great place to start and own a business. For those that are willing to work hard, there is a lot of opportunity for success. If you are going to start a business here, you should consider your insurance needs. There are a variety of reasons why a business owner will need commercial insurance here.

Needed to Protect Business

One reason that you need to get commercial insurance is that it is a great way to effectively protect your business. A small business in the Parkersburg area will receive both property and liability insurance protection. This can help to ensure that your business assets are properly covered at all times and that you are protected if you are sued for liability. 

Requirements for Most Lenders

Another reason to get a commercial insurance policy is that it could be a requirement for most lenders. Any business that takes out a loan from a bank will need to fully understand their commercial insurance obligations. Most of the time, it will require that you maintain a certain level of coverage. There is a good chance that the bank will also escrow your monthly payments to ensure that you stay covered at all times. 

As you are looking for a commercial insurance policy in the Parkersburg, WV area, you should reach out to the team at Curtis Miller Insurance. When you do call Curtis Miller Insurance, you can receive the guidance that you need to understand the risks that come with running a business here and how you can mitigate them with insurance. The team can then help you build a policy that will properly protect your entire organization. 

Three misconceptions about commercial insurance

Business owners need to understand commercial insurance to make sure that their companies are adequately protected financially. At Curtis Miller Insurance we offer commercial insurance policies in Parkersburg, WV. 

The following are three misconceptions about commercial insurance that you need to be aware of as a business owner. 

Business owners don’t need commercial coverage with an LLC.

Many business owners have a misconception that an LLC protects them from all financial liabilities. However, this is not the case. 

Commercial insurance is necessary even if you’re running an LLC. While the LLC setup might help protect your personal assets, it will not protect business assets in the event of a lawsuit or similar liability expense. 

If a company’s sole service is consulting, commercial coverage is not necessary.

Some business owners who run consulting companies think that consulting is not a type of service that requires commercial coverage. However, this is not the case.

Consulting companies could be held liable for errors and omissions claims. They also could be subject to malpractice suits in some situations.

Therefore, commercial coverage is necessary for many consulting firms. 

Commercial insurance covers flood damage to commercial properties. 

Commercial insurance is important for insuring commercial facilities. However, it’s important that business owners don’t make the assumption that their commercial coverage includes coverage for flood damage to commercial properties. 

In fact, flood coverage generally requires add-on coverage. If your commercial facility is located in an area that is subject to frequent flooding, you need to invest in added flood coverage in addition to your basic commercial property coverage. 

If you’d like to get more information about meeting your commercial insurance needs, get in touch with us at Curtis Miller Insurance. We offer commercial coverage in Parkersburg, WV. 

How Umbrella Insurance Can Assist Small Business Owners In West Virginia

Located in Parkersburg, WV, Curtis Miller Insurance assists people throughout the Mid-Ohio Valley. Through our relationship with several insurance companies, we are able to provide our clients with the insurance coverage that they are looking for at an affordable rate. We care about our clients and remain committed to putting their needs first.

Umbrella Insurance

Curtis Miller Insurance advises Parkersburg WV businesses to consider purchasing umbrella insurance. Umbrella insurance provides businesses with additional protection. For small businesses, umbrella insurance is especially important because it allows them to have protection in the event of an emergency that would seriously hurt them otherwise.

If your business has high liability risks, you should consider purchasing umbrella insurance. Having umbrella insurance will protect your business if someone gets injured on your property. Umbrella insurance will cover your business so that you will not have to jeopardize your financial future to cover defense costs.  Umbrella insurance will also cover any of the vehicles associated with your business if there is an accident.

If your employees perform tasks that involve hazards, umbrella insurance will cover your business against any injury lawsuits. You can also cover your employee’s personal vehicles that they use on the job. Workers Compensation is also essential. Workers Compensation will cover your employee’s medical bills if they are injured on the job. That will prevent the business from being held liable. Having umbrella insurance allows your small business to minimize risk so that it will continue to thrive.

Contact Curtis Miller Insurance

The agents here at Curtis Miller Insurance will assist you as you evaluate your options. We will provide you with a thorough breakdown of what umbrella insurance entails. To learn more information, head to our website.

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