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Curtis Miller Insurance Agency

1800 Blizzard Drive
Parkersburg, WV 26101

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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.

The Family that Bikes Together: Motorcycle Insurance for your Teen

Every family has their own traditions and hobbies. From sharing coffee cake at Christmas to putting together puzzles on New Year’s Day, to taking group pictures together every Thanksgiving. These experiences help to bond the family and to provide opportunities for making memories. 

Some families enjoy the experience of riding motorcycles together. In West Virginia, your 16-year-old can join this family tradition, acquire a license, and get out on the road with you. You’ll enjoy the view as you whiz over the Ohio River all together on your motorcycles.

But before you begin your tradition, make sure to add your teen to your existing motorcycle insurance. You’ll want to contact Curtis Miller Insurance as soon as your young adult receives a motorcycle license to make sure he or she has the correct insurance set up in case of any unforeseen accidents or on-road issues. 

Parkersburg, WV is a fantastic place to show your teen how to get comfortable on a motorcycle. Make sure she or he has the correct gear, including clothing, eyewear, and helmet, and that these items are in good condition and fit the rider well. 

Teaching your teen how to ride a motorcycle is a great way to connect. The transition to adulthood can be challenging, as young people strive to achieve independence while also needing guidance along the way. Riding motorcycles together is a wonderful way to preserve the parental bond while instructing your teen about important, adult matters such as safety, road rules, and proper protective equipment. 

You’ll also want to let your teen know how important it is to acquire motorcycle insurance. Let them be part of the process as you request a quote from your local Parkersburg, WV agent at Curtis Miller Insurance together. Your insurance agent will be happy to explain the importance of choosing the right coverage and making sure your family tradition carries on for years to come. 

Reach out today about motorcycle insurance. You’ll be glad you did!

Ways Life Insurance Protects Your Family

Protecting your family is your main priority and life insurance is one way to do that.  It can give you reassurance that your children will be protected should one or both spouses pass away.  The main question that most people have is would your family be able to pay for the funeral and final expenses.  Would your children be able to go to college?  For the charities that you support, can you designate funds for them from the policy?  Life insurance policies can do more than you think.  Our agents at Curtis Miller Insurance work with people throughout the Parkersburg, WV area to discuss how life insurance can protect their family. 

Determining the amount and type of coverage will take some thought but your agent will be able to help.  Considering inflation and estate taxes can help with your decision.  There are two forms of life insurance:  term life and whole life.  Both are beneficial depending on how you want to use it.  Term policies are for a set period of time.  While they can be renewed and are cost-effective, they do not build cash value over time.  Each time the policy is renewed, it will be more expensive. 

Whole life policies, on the other hand, remain in place throughout the lifetime of the policyholder.  While they have higher premiums than term policies, they do build cash value.  This means that if you need to, you can borrow against the policy. 

Our agents at Curtis Miller Insurance can help you with your options.  We know that choosing a life insurance policy comes with many questions so we’re here to help!  In the Parkersburg, WV area, we’re conveniently located.  Come by and talk with an agent today!  Family is important.  Take the first steps to protect their future.

Flood Insurance in West Virginia

Flood insurance is not especially a problem for coastal areas. Flood damage can happen anywhere. If the drainage of a city is not ideal, even a lot of rain can cause floods regardless of the geographical location of the city. Most homeowners forget that home insurance doesn’t cover for flood damage. A sperate policy in flood insurance is needed for protecting the house against flood damage.

For most people, their house is their biggest investment in life and they need to protect it with adequate insurance coverage. The 1937 Great Flood had caused severe damage in West Virginia. Homes that were miles away from the Ohio River were damaged with floodwater. However, even in areas with no flood history, there is always risk for flood and it is too much risk for your biggest investment, your house. The federal disaster assistance can be useful but it only kicks in when the disaster is declared federally. The coverage amounts might also not be sufficient. In any case, flood insurance is a must along with home insurance to properly secure the value of your house.

Flood insurance typically covers building property and personal content property but does not cover property and belongings outside of the insured building such as trees, patios, swimming pools, etc. It can get a bit complex there you should get in touch with a flood insurance expert to guide you. Curtis Miller Insurance serving Parkersburg, WV has all the experience you need for insurance policies in the state of Virginia. Their team of agents will educate you and navigate you with the best insurance coverage for your requirements. The contact details for Curtis Miller Insurance serving Parkersburg, WV is available on the website. Please feel free to get in touch so they can help you.

Are You Aware of These Common Commercial Insurance Myths?

As a business owner, you have many options for insuring your enterprise. Finding the right coverage for your small business can be challenging, especially when faced with so many business insurance myths. By debunking common commercial insurance myths, your Curtis Miller Insurance agent in Parkersburg, WV can help you make wise commercial insurance choices.

Myth: All you need is commercial property coverage.

Commercial property insurance protects your place of business, business equipment, and inventory such perils as storm damage, lightning strikes, fire, theft, vandalism and more. At the same time, you can’t rely on just property coverage to protect your business interests.

If your business deals with the public, you’ll need liability coverage to protect you against injuries on your business property. If you have employees, you need worker’s comp to protect your workers against injuries on the job. We can help you select a comprehensive business insurance package catered to your specific business needs.

Myth: Home insurance will protect your home-based business.

Home insurance isn’t designed to protect your business interests. If your business equipment is damaged by a home disaster or a client has an accident while visiting your home for business purposes, you could suffer financial loss if you lack the appropriate coverage. By getting commercial coverage for your home business, you’ll have the protection you need against any eventuality.  

Myth: A standard BOP (business owner’s policy) will protect your small business against flooding.

Commercial insurance doesn’t cover damage from flooding. You can, however, add flood coverage to your commercial policy to protect your business against this risk. If you live in or near a flood zone, it’s advisable to purchase flood insurance to protect your business assets.

For more information about commercial insurance and the coverage it provides, contact Curtis Miller Insurance in Parkersburg, WV.

Understanding Classic Car Insurance

As a classic car owner, you undoubtedly have great respect for your classic vehicle. As such, you want to do all you can to protect your valuable investment. Classic car insurance from Curtis Miller Insurance, Parkersburg, WV, is one of the best ways to protect your classic beauty. Here’s what you should know about coverage under a classic car policy.

Classic Car vs Conventional Auto Insurance

Conventional auto insurance is designed for conventional vehicles. A typical policy covers the actual cash value of your car in the event of a total loss. In contrast, a classic car policy covers the agreed-upon value of your collectible with your insurer when you purchase your policy. This value is often based on the condition of your vehicle and an appraisal from a professional in the classic vehicle field. Whereas ordinary autos decrease in value as time goes by, a true classic will augment its value, especially when kept in meticulous shape.

Qualifications for Classic Vehicle Status

Not all old vehicles are classics. To qualify as a collectible and be eligible for classic car insurance, your car must meet these requirements:

  • Classic: Be 10 to 24 years of age and have a historic interest, i.e. muscle car or hot rod.
  • Antique: Be 25 years of age or older and have historic interest.

Eligibility for Classic Car Insurance

To qualify for classic car insurance, you must agree to rules of use for your classic vehicle. You can’t use your vehicle for everyday driving and you can’t exceed restrictions on annual mileage. You can, however, participate in shows, exhibitions, and parades and take your collectible out for occasional pleasure drives.  

If you own a classic vehicle, talk to your Curtis Miller Insurance agent in Parkersburg, WV about classic car insurance. We’re here to meet all your auto insurance needs.

Flooding Risk Increases in West Virginia

Homeowners in West Virginia realize the critical importance of having flood insurance due to the heightened risk caused by climate change and severe weather. Some homeowners must carry flood insurance because the mortgage lenders require it for the home to qualify for the financing. These requirements are based on whether the home is found in a flood risk area as designated on maps maintained by the Federal Emergency Management Agency (FEMA).

There are new flood risks and reasons why you should with your agent at Curtis Miller Insurance serving Parkersburg, WV, and the nearby areas, to get flood insurance for your home.

Flood Maps May Be Outdated

FEMA reports that it is trying to update its flood maps. However, in many areas, the updating process is three or more years behind schedule due to budget limitations and staffing shortages. Meanwhile, we are having record-breaking severe weather.

Flood Plains are Expanding

There are two general categories of flood plains that most people may have heard on the news. They are the 50- or 100-year flood plain and the 500-year flood plain. These are areas on the FEMA maps that historically had one flood during each 50 to 100 years or 500 years respectively. 

The challenging facts are that in many parts of the country there have been 50- or 100-year floods and even 500-years floods within the past few years. In some places, there was more than one major flood in areas that never experienced them before. The flood plains are changing and, in general, the areas in West Virginia that have a risk of flooding are expanding.

River Overflows are More Frequent

The most common cause of home damage in West Virginia is flooding, landslides, and sinkholes. Torrential rains may cause rivers to overflow and may also cause mudslides. Overflowing rivers cause the water table to rise and water may seep into the home from below. Only a few inches of water that enters a home may cause severe damage.


In light of the increasing risk of flooding in West Virginia, it is prudent for homeowners to have flood insurance coverage. Contact your agent at Curtis Miller Insurance in Parkersburg, WV to get a home insurance review and a quote for flood insurance.

Businesses: Customer Service and Commercial Insurance

Successful companies are good for communities.  Effective leadership is also important for smart growth and profitability.  Many successful businesses have found quality customer service to be important for growth and revenues.  As many owners know, building a lengthier client list is part of providing good services for new and existing customers.  The community of Parkersburg WV is thankful for its businesses and the employees providing services and products.  As community leaders know, business-friendly environments are better for all new startups and existing companies.

With smart growth, many companies have more opportunities for business expansions and options for new hires.  This is also a good indication for smart planning with a company’s commercial insurance.  Whether the new office locations are being leased or purchased, an experienced insurance company can answer your questions about general liability and insurance coverages.  The owners of businesses can appreciate profits and revenue projections.  Also, leaders running a business are often excellent at communicating important company objectives for good quality service.  Product storage and office sites are additional considerations and justify a good relationship with a company such as Curtis Miller Insurance. 

Curtis Miller Insurance has experience helping companies with commercial insurance and is ready to answer your questions.  Serving the Parkersburg, WV area, the friendly staff enjoys working with businesses providing products, services or both.  For general liability or workers comp, you can call the company for additional information.  As many of the leaders know, being a part of a community that strongly supports its businesses is nicer for the residents and tourists.  Contact Curtis Miller Insurance for more information or visit their website to learn more about commercial insurance.  Whether it is new insurance or an existing policy, the experienced staff can help you with planning for commercial insurance.


What Are the Benefits of Having a Video Inventory?

Video inventories are becoming powerful tools that can help homeowners keep an accurate record of their valuables. This is an excellent way to recover your items if they are ever stolen or replace them if they are lost in a fire. The agents at Curtis Miller Insurance can show Parkersburg, WV residents how to accurately document their items with a video inventory.

Proof of Ownership

Having a video inventory that is time-stamped can be used to prove that you owned the item in question during a specific time period. While you may not have the receipt or the box that item came in, a video inventory that shows it among your other possessions is often all the proof that is needed.

Verification of Condition

When taking a video inventory, you can get close-up footage of existing damage or general wear and tear. You can also prove that an item has no damage whatsoever, depending on the situation. 

Record Important information

Another valuable benefit of having a video inventory is that you can capture images of each item’s serial numbers and other important information that is located on the device. You can also narrate the video and include any comments about the items being recorded. 

A copy of your video inventory should be given to your insurance agent. You should also keep a copy for yourself and store it in a safe place. The agents of Curtis Miller Insurance offer recommendations on how to perform a video inventory to their clients who live in or near Parkersburg, WV. Contact an agent today and set up a meeting to discuss your insurance needs and if a video inventory will be helpful.

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