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What type of insurance do you need?
Home insurance provides a backup plan in case a catastrophe strikes in the neighborhood. Whether it's a fire, high winds, or a burglary, it's covered by a suitable homeowners insurance policy in Indiana. Home insurance will pay for repairs to the home and replacement of belongings, pay for someone else's injuries on the property when it's the homeowner's fault, and may pay for temporary living expenses if the home is so badly damaged that it's uninhabitable.
Indiana requires minimum coverage of up to $50,000 for all persons injured in an accident, $25,000 for an individual, and $10,000 for property damage. This is great baseline for coverage for a fender bender. But costs for something bigger, like a hit-and-run, could exceed these limits and force the policyholder to pay out of pocket. Many car owners opt for higher limits, to get more protection and peace of mind when they're on the road.
Last year, small businesses in Indiana made $180.1 billion. Without insurance, business claims have to be paid out of pocket.
This means that if a bad storm, accidental fire, or crime-related break-in happens, repairs and costs will be paid for out of the business’s revenue.
All employers, no matter how many workers they hire or how big their revenue is, must purchase worker's compensation insurance in Indiana. There are a few exceptions, including: federal employees, including railroad workers (these employees are covered under federal worker's compensation programs), independent contractors, real estate professionals, as long as they are not considered employees, and volunteers.
Restaurants in Indiana need three basic types of insurance: property, liability, and employee coverage. Keep in mind that each type of insurance has sub-types of more specialized insurance depending on the type of restaurant and the services offered. Many restaurants have added policies for delivery and buffet services. Food spoilage is also a popular add-on policy for restaurants.
Businesses are advised to carry several types of Indiana commercial auto insurance, but state law requires the following minimums for liability coverage for commercial cars: Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage. The requirements are different for other commercial vehicles, depending on what they transport (passengers and how many, hazardous materials) and how much a vehicle transporting non-hazardous materials weighs.
Even though Indiana seems to be a safe location nestled far away from all coasts, its hotels aren't immune to all potential hazards. The most common hotel insurance claims in the state are: tornado and hail damage, fire damage, liability claims, data breaches, and business interruption insurance claims.
The purpose of an umbrella insurance policy in Indiana is to provide extra liability insurance for all policies that include liability coverage, such as home, auto, or boat. If a policyholder is liable for an accident, their primary insurance will cover the expenses up to the coverage limit. If the costs exceed this limit, an umbrella insurance policy will kick in to pick up the costs so that extreme out-of-pocket liability expenses can be avoided.
In today’s litigious society, it is a good idea for insureds to have as much liability insurance as they can afford. Juries tend to grant major judgments when liability cases are taken to court. An umbrella insurance policy can be a wise investment. It can protect policyholders from financial hardship or the need to file for bankruptcy.
Renters have just as much need for insurance coverage as homeowners. Landlords and rental property owners are responsible for carrying insurance on the structure of the rented home, as well as the grounds and any appliances in the unit. But without a renters insurance policy in hand, tenants have no coverage for their belongings.
There are several different types of insurance policies on the market. The option that is best depends on a person's unique needs. They include: term life insurance, whole life insurance, universal life insurance, and permanent life insurance.
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