Many people consider their pets part of their family, so it just makes sense that pets might be included in some way on insurance. Many factors determine how pets and insurance affect each other. Here at Max Insurance LLC, serving Des Moines, IA, and the surrounding areas, we want you to understand all the insurance details to make good choices. Let’s learn about pets and insurance.

Is Loss of a Pet Covered Under Home Insurance?

Many types of policies will allow you to include the value of your pets on your homeowners’ policies. These are seen as personal possessions. However, you need to double-check this information with your particular provider.

Are Pet-Related Injuries on My Property Covered?

This is another important question. People are concerned not only with the possible loss of a pet during a fire or natural disaster but also with the liability of the pet injuring someone. This is a real risk and is especially concerning for certain breeds of pets. You will be liable for medical bills or expenses if your pet injures someone on your property.

You can get coverage that would include this type of liability, but the breed of animal may be a factor. You’ll want to sit down with an insurance professional to determine if your pet can be covered and how much coverage is available. You may also get coverage that would pay if the animal caused damage to someone else’s property.

If you’d like to learn more about insurance and pets, please contact us at Max Insurance LLC, serving Des Moines, IA, and the surrounding areas. We are happy to answer all of your questions today.

Typically, businesses are equipped with certain types of insurance coverage that protect their interests in general situations. However, there are occasions when additional insurance beyond your standard commercial policy is necessary to meet specific business needs. At Max Insurance in Des Moines, IA, we are dedicated to helping our clients find the right coverage to match their evolving needs.

What is Umbrella Coverage?

Many policies are required to protect your business against various risks. Usually, these policies cover liabilities and damage up to a specific amount. An umbrella policy goes the extra mile to cover an additional range of liability or damage, advancing an additional layer of protection to your Business in case of lawsuits or accidents.

When does your Business need Umbrella Coverage?

Umbrella coverage serves as an extension to your standard commercial insurance policy. It’s highly recommended that your business is open to the public, where enhanced coverage might be necessary in the event of an injury. In certain cases, clients may require that you carry insurance that surpasses your standard policy’s limit. Here, an umbrella coverage can bridge the gap. If your employees work on other people’s properties where damage occurs, umbrella coverage can safeguard the liability. For businesses operating under unusual circumstances, umbrella coverage may be vital to cover potential liabilities.

Running a business involves seamlessly adapting to changing conditions on a daily basis. Fulfilling your clients’ needs might sometimes necessitate a change in insurance coverage. We are here to assist with a variety of policy options. Reach out to Max Insurance LLC in Des Moines, IA, today for a no-obligation quote on commercial insurance to safeguard your Business.