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Curtis Miller Insurance Agency

1800 Blizzard Drive
Parkersburg, WV 26101

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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. 

When to Increase Your Home Insurance Coverage

When you remodel or refurbish your home, you need to update your insurance coverage with Curtis Miller Insurance of Parkersburg, WV. Your home improvements increase the home’s value which otherwise would not be covered without a policy update.

We do not mean a simple update like replacing the kitchen fixtures, but something more major such as adding a deck or porch. If you remodel your kitchen with a new island and update all the appliances, you would need to increase your insurance coverage.

Another instance where you need to update and add coverage is adding a room or building an addition. The same truth applies if you convert a room. Converting a walk-in closet or dressing room to a bathroom significantly changes your home’s value. Home appraisals consider the number of bedrooms and bathrooms as a key criterion, so by adding a bathroom, you significantly raise the value of your home. This one gets people because converting a room did not change the square footage of the home.

When you alter your home to make it wheelchair accessible or convert to a smart home, you similarly raise the home’s value. This modernization requires added insurance to cover its technology.

Repainting the rooms or wallpapering does not fall into the same category. Though it pretties up the place, you do add much to the appraisal value of the home.

If you have a renovation or remodeling planned, contact Curtis Miller Insurance serving Parkersburg, WV to learn whether you need to increase your home insurance coverage and when. You may need a construction policy to cover your home while it undergoes updates, then you will need the added home insurance coverage once the work is finished.

Who needs auto insurance in West Virginia

If you live in the Parkersburg, WV area, it is very likely that you will need to own a car. For those that are looking to purchase a car, it is also very important that they spend time assessing their insurance needs. There are many incidences when someone in West Virginia is going to an auto insurance policy.

When Driving on a Public Road

One of the most common situations, when someone will need an auto insurance policy, is West Virginia is when they are driving on a public road. All drivers in this state will need an auto insurance policy that provides them with liability coverage. When you have this protection, it will ensure that you are able to pay for any damages that you cause in an accident. If you do not have this insurance coverage, there are a variety of penalties that you could face. 

When Financing the Car

Another situation when you will need to get an auto insurance policy is when you are taking out a car loan. The majority of car buyers need to finance at least a portion of their vehicle. To ensure that their collateral is covered, any auto lender will require that their borrowers get an auto insurance policy. This way, they will know that you have the ability to pay off the loan if the car is stolen or damaged.

There are many situations when someone in the Parkersburg, WV area will need an auto insurance policy. If you are shopping for an auto insurance policy, you should call Curtis Miller Insurance. The team a Curtis Miller Insurance is very aware of the complexities that come with choosing an auto insurance policy. They can then help you to get into a policy that offers the right protection. 

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!

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