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What type of insurance do you need?
A home insurance policy is designed to cover against many of the hazards property owners in South Dakota are likely to face. Whether property has been lost or damaged due to a severe storm, a house fire, or a rash of burglaries, having a suitable homeowners insurance policy in South Dakota can bring the peace of mind that comes from knowing that the policy can absorb financial losses. These policies typically include dwelling insurance, contents insurance, liability, and loss of use insurance.
Accidents can happen in the blink of an eye. If a driver is at fault, they can be held liable for the cost to repair other people’s damaged property as well as for the treatment of their injuries. Given the high cost of healthcare, an accident that involves injuries can be extremely expensive and could cause a great deal of financial harm.
Car insurance in South Dakota includes a mixture of mandatory and optional coverage. If a policyholder is involved in a collision, or a non-collision incident such as car theft, car insurance provides collision and comprehensive insurance, liability, personal injury protection, bodily injury liability insurance, and uninsured motorist coverage.
Business insurance in South Dakota will pay for damage to a building - this is called commercial property insurance. Business insurance will also pay for damage to business property - this is referred to as business personal property insurance. General liability covers damage to someone else's property as well as any medical bills. South Dakota businesses can also be covered with commercial vehicle and worker's compensation insurance, which protect work vehicles and employees.
Workman's comp benefits in South Dakota include medical care for worker injuries, wage replacement for disabled workers, and rehabilitation services. In addition, death benefits will be paid to an injured worker’s surviving spouse or dependents if a worker dies as a result of a workplace accident.
A typical restaurant insurance policy includes the following: general liability, worker's comp, property insurance, business income, ordinance and law, boiler and machinery, spoilage, and communicable disease coverage.
No two South Dakota restaurants are exactly the same, which means that what one owner needs for their restaurant will never be the same as any other owner. However, an underwriter will consider all aspects of a restaurant when writing a policy. More importantly, an agent will look at all these factors to provide a range of coverage options from different providers.
Depending on the policy chosen and the added coverage included in the policy, commercial auto insurance in South Dakota can include the following coverages: bodily injury, personal injury, collision and comprehensive coverage, and medical payments. There may be other options available depending on the type of business. Insurance companies offer policies tailored to the specific needs of businesses.
Insurance options for a hotel in South Dakota can include the following coverages. General liability is mandatory and protects against lawsuits related to injury or property damage caused by the business. Things like food poisoning claims would also fall under this category. Worker's compensation covers the financial ramifications if employees become ill, get injured, or die from a work-related incident. Property insurance covers any damage to the hotel's physical building, as well as the property inside it. The type of cooking equipment used in the hotel's kitchen will contribute to the risk of fire damage, and may influence the cost of the policy. Coverage limits are typically $250 million per hotel location. Boiler & machinery, also known as "equipment breakdown insurance," covers electric equipment in the building that breaks down.
Umbrella insurance in South Dakota works to extend and expand the existing liability coverage from homeowners and auto insurance policies to protect the policyholder, their home, and their future earnings and assets if someone sues them. This extra insurance raises coverage limits and covers the types of claims that homeowners liability cannot cover such as false arrest, certain types of dog bites, libel, and slander.
If a tenant rents a home in South Dakota, having insurance protection for themselves and their possessions is still important. Similar to home insurance, renters insurance protects them in situations that anyone might face: fire, theft, water damage, and other unforeseen circumstances not covered by the property owner's landlord policy.
Life insurance is an insurance policy that is paid for before the policyholder passes away. There are many different types of life insurance policies available in South Dakota. Some of the most popular types of life insurance are term life insurance, permanent life insurance, whole life insurance, universal life insurance, annuities, and no-exam life insurance.
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