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Workers’ Compensation Insurance
Accidents happen in the workplace, no matter what precautions you have in place. Workers’ compensation insurance is designed to help cover the costs associated with a work-related injury or illness. We’re here to help you sort through business insurance, including workers’ compensation insurance benefits. Contact us today to get started.
What Is Workers’ Compensation Insurance?
Workers’ compensation insurance is a type of business insurance policy that provides benefits to employees if they suffer work-related illnesses or injuries. Workers’ compensation benefits typically include coverage for paying for medical care and lost wages from time missed from work.
Employers also benefit from workers’ compensation insurance, as it can help protect your business from lawsuits and keep it compliant with state regulations.
What Are Workers’ Compensation Benefits?
Workers’ compensation may provide various benefits to employees who experience an injury or illness, including:
- Medical benefits—Employees may receive compensation to cover doctor appointments, hospital visits and medications.
- Wage-loss benefits—If an employee cannot return to work at total capacity, wage-loss benefits may help them supplement their lost income. This benefit may last until the employee has recovered or until the wage-loss benefit limit has been reached.
- Vocational rehabilitation benefits—Employees may receive access to vocational rehab services to help them learn new skills and reenter the workforce after an injury.
- Death/dependent benefits—If an employee loses their life because of a work-related injury or illness, workers’ compensation may help cover funeral costs and lost income. These benefits are typically provided to the spouse or dependents of the deceased.
Worker’s compensation laws vary by state, which may impact the limits and duration of benefits and the type of employers required to have it. Reach out to an agent to discuss specific requirements for your business.
How to Get Workers’ Compensation
We’re ready to help you secure workers’ compensation coverage for your business. Contact Dollar Day Insurance today for more information or a quote.
Watercraft & Boat Insurance
Having the right boat insurance policy for your watercraft can be an excellent way to protect yourself from costs related to property damage and medical expenses if an injury occurs. Our agency can assist you in learning more about your coverage options so you can be financially protected.
What Does Boat Insurance Cover?
Boat insurance policies generally depend on the type of coverage you select. Regardless, common boat insurance coverages include:
- Liability coverage helps cover expenses if your boat causes damage to another person’s property.
- Medical payments coverage helps cover medical expenses if you or a passenger gets injured on your boat.
- Boat insurance property coverage helps protect your boat from various risks and potential incidents by covering costs related to incidents such as theft or vandalism.
- Uninsured watercraft coverage helps cover expenses if an uninsured boater collides with you and causes injury to you or your passengers.
Other coverage options may be available. Our agency can help you learn about potential coverages to include in your boat insurance policy.
How to Get Boat Insurance
Dollar Day Insurance is ready to help you learn more about boat insurance. Contact us today to request a quote or to learn more.
SR-22
SR-22 is a form that your state may require to prove that your auto insurance policy meets the state’s minimum liability coverage requirements. In Virginia and Florida, SR-22 is called FR-44, and some states refer to it as a certificate of financial responsibility.
Who Needs SR-22?
Not every driver needs an SR-22 form on file with their state department. If you must file SR-22, you’ll receive notice from a judge or the licensing agency in your area. You may need to file SR-22 under the following circumstances, depending on your state laws:
- Your license was revoked or suspended, and you’d like to have it reinstated.
- You caused an accident and did not have insurance.
- You have multiple traffic offenses.
- You were found guilty of a serious traffic offense.
- You were convicted of driving under the influence (DUI) or driving while intoxicated (DWI).
How Long Do You Need to Have an SR-22 Form on File?
Depending on your state’s laws, you may need to file SR-22 for three years. If your insurance policy lapses, the insurance company must notify the state, and you may have your driver’s license suspended.
Even if you don’t own a car, you may have to file SR-22. Talk with your agent to determine whether an auto insurance policy designed to help nonowners comply with SR-22 rules is appropriate for your situation.
Contact Us
Contact Dollar Day Insurance for more information about how to file SR-22 or to get a quote for high-risk insurance.
Renters Insurance in Paramount, CA
Renters insurance can provide you with needed financial protection against adverse circumstances, whether it’s covering your personal belongings in case of damage or ensuring you’re protected if someone is injured in your residence. If you need renters insurance, we’re here to help. Contact us today to learn more about your renters insurance options or to get a quote.
What Is Renters Insurance?
Renters insurance provides protection against property loss and liability if you cause injury or property damage. To learn more about what that means, we’ve covered some basics about each.
- Property protection—Renters insurance covers your possessions against damage for things such as fire, smoke, lightning, vandalism, theft and water damage—but not flooding—to name a few. It also extends beyond on-premise theft and hazards, covering property that is stolen from your car or lost or damaged anywhere you happen to be. Talk to your agent today to learn more additional property protection options, such as flood and earthquake insurance and scheduled items riders.
- Liability protection— The liability portion of a renters insurance policy helps protect against claims of third-party bodily injury or property damage caused by you or another person listed as insured on your policy. It may also help pay for medical bills if someone has an injury in your rental. Liability also provides coverage for legal defense costs and judgments in a lawsuit, whether the incident occurred within your rented residence, or elsewhere.
Some renters insurance policies pay a tenant’s temporary living costs if they need to live elsewhere because of a fire, severe storm or other covered disaster. This coverage may include hotel bills, temporary rentals, restaurant meals and other living expenses. Talk with your insurer about whether your renters insurance has this inclusion.
How to Get Renters Insurance
Whether you call a rented house, condo or apartment your home, you can benefit from renters insurance. Call us today to learn more about renters insurance or to get a no-obligation quote.
Professional Liability Insurance
Even the most careful businesses must account for the possibility of a mistake causing harm to a client or customer. A single error can have major consequences, including financial loss, reputational damage and lawsuits.
With these potential ramifications in mind, it’s necessary for all companies providing services or guidance to others to consider acquiring a professional liability insurance policy.
What Does Professional Liability Insurance Cover?
Suppose another party with whom your company does business, such as a customer, partner or client, alleges that you were responsible for an error that resulted in damages. In that case, the resulting lawsuits can be devastating. For example, if a mistake by your accounting department led to financial losses for a client, they may sue you.
Fortunately, professional liability coverage can help. In general, professional liability insurance policies can include coverage for claims arising from:
- Negligence
- Personal injury, such as libel, slander or copyright infringement
- Incorrect advice
- Misrepresentation
- Most policies can help policyholders recoup costs related to:
- Damages
- Lost revenue
- Legal representation
- Disciplinary proceedings
- Subpoena assistance
Remember, every policy is different. Work with a member of our team today to find out what a policy may cover for your business.
Get the Right Coverage
Businesses providing services for others are at constant risk of liability suits. This means that, without adequate coverage in place, a single error could devastate your finances and derail your future. Fortunately, professional liability coverage can make all the difference. Contact Dollar Day Insurance today to construct a policy suitable for your company’s needs.
Recreational Vehicle Insurance
If you have any type of recreational vehicle, including a motorcycle, RV, boat, or off-road vehicle (e.g., all-terrain vehicle (ATC) or snowmobile), you’ll need to secure additional insurance to properly protect your investment. Determining what and how much coverage you need can be tricky, but that’s why we’re here to help. Contact us today to get started.
What Is Recreational Vehicle Insurance?
Recreational vehicle insurance is a general term that refers to a variety of policies used to insure vehicles such as boats, motorcycles, RVs, ATVs and travel trailers. Each policy provides unique coverage. Talk to your agent today to discuss specific coverage you may need for your recreational vehicle.
What Does Recreational Vehicle Insurance Cover?
Recreational vehicle insurance helps provide a layer of protection against liability and property damages. Recreational vehicle insurance varies based on the type of vehicle you have. Talk to your agent to learn more about targeted coverage for:
- Boat and watercraft
- Off-road vehicles (e.g., ATVs, golf carts, and snowmobiles)
- Campers
- Coaches
- Motor homes
- Travel trailers
Is Recreational Vehicle Insurance Required?
Depending on the type of recreational vehicle you own and where you live, you may be legally required to obtain insurance for your vehicle. For example, most RV and motorcycle owners must secure at least the minimum auto insurance required of all drivers in their state of residence.
How to Get Recreational Vehicle Insurance
If you’re in need of a recreational vehicle insurance policy, we’re here to help. Contact Dollar Day Insurance today to learn more or receive a free quote.
Motorcycle Insurance in Paramount, CA
If you own or drive a motorcycle, purchasing motorcycle insurance may be required, depending on where you live. Additionally, having the right motorcycle insurance policy can help protect you financially if you’re involved in an accident or your bike is stolen or damaged. Contact us today to learn more about motorcycle insurance or get a quote.
What Is Covered Under Motorcycle Insurance?
The coverage provided by your motorcycle insurance may vary based on what’s included in your specific policy. Some aspects that may be covered under a policy can include:
- Liability protections (e.g., bodily injury and property damage liability) for injuries or damages you may cause to someone else while riding your motorcycle
- Additional protections to you if you’re injured or your motorcycle is damaged in an accident with an uninsured or underinsured motorist
- Property damage to your motorcycle caused by a collision with another object
- Property damage to your motorcycle caused by vandalism, fire, theft or other covered losses
- Roadside assistance
- Towing
- Trip interruption expenses
- Additional or specialized equipment
Contact our agency today to learn more about the protections that may be available to you.
Why Do You Need Motorcycle Insurance?
Depending on where you live, motorcycle insurance may be required by state law. What’s more, if you’ve financed your motorcycle, your lender may require you to carry minimum coverage amounts. Beyond these requirements, having adequate motorcycle insurance can help protect you financially if you’re in an accident or your bike is damaged or stolen. Without insurance, you may have to pay for all incurred expenses out-of-pocket.
How To Get Motorcycle Insurance
If you need a motorcycle insurance policy, we’re here to help. Call Dollar Day Insurance to discuss your motorcycle insurance needs and get a quote for a policy that’s right for you.
Homeowners Insurance in Paramount, CA
Buying a home is often one of the most significant financial decisions a person will make. Given the size and significance of this investment, it’s essential to take steps to safeguard it. Unexpected events can impact both the property and the people living there, so having reliable home insurance isn’t just a smart move—it’s necessary.
What Is Home Insurance?
While most homeowners are required to have insurance due to mortgage lender requirements, it’s still important to understand the protection it offers. It provides a financial safeguard that can help cover the cost of repairs, rebuilding or replacing personal belongings if your home is damaged or affected by unexpected events. Having the right coverage in place may make all the difference when facing challenging financial situations after a loss.
A home insurance policy commonly includes the following:
- Dwelling (structural) coverage
- Personal property coverage
- Liability coverage
- Loss of use (additional living expenses) coverage
However, you may also opt for additional coverage not typically included in standard policies, such as flood and earthquake insurance. Insurers also recommend carrying scheduled personal property endorsements, which provide financial protection for jewelry, fine art and other high-value items.
How Does Home Insurance Work?
When you purchase home insurance, you’ll enter into a formal agreement with your insurer. Once you’ve chosen your coverage options, you’ll need to pay regular monthly or annual premiums to keep your policy active. In return, the insurance company provides financial support that may help reduce the burden of unexpected repair costs, replacements or other expenses if something happens to your home.
When Is Home Insurance Required?
While homeowners in California are not legally mandated to carry home insurance, most mortgage lenders require borrowers to maintain a certain level of this coverage for the duration of the loan.
Whether you’re exploring your options or ready for a custom quote, our team at Dollar Day Insurance is available to help you find the right home insurance solutions. Contact us today to get started.
General Liability Insurance
Commercial general liability insurance can cover your business and clients by providing financial assistance when the unexpected happens. Our team can help you secure the insurance your business needs. Contact us today to get started.
Commercial General Liability Coverages
Commercial general liability insurance typically provides coverage for:
- Third-party property damage. Commercial general liability insurance may provide repair or replacement costs if your business is responsible for damaging others’ property.
- Third-party bodily injury. Commercial general liability coverage may pay for medical expenses if your business is responsible for a third-party bodily injury (e.g., an injury occurring at your business).
- Personal and advertising injury. Commercial general liability insurance may provide coverage if your business is sued for a personal or advertising injury (e.g., slander, libel or copyright infringement).
In addition to providing compensation for damages, commercial general liability insurance may pay associated legal fees (e.g., attorney fees, settlements and judgments). Speak with your agent for more information on coverages, limits and exclusions.
Why Commercial General Liability Insurance Is Important
Although commercial general liability insurance typically isn’t required by law, some business licenses may require coverage. Or a landlord may require proof of insurance before offering a lease.
Commercial general liability coverage may also help you avoid paying for unexpected losses out of pocket. Reach out to your agent for additional information on how commercial general liability insurance may mitigate your business’s risks. We can help you secure the coverage that is right for you.
How to Get Commercial General Liability Insurance
Our team can help you obtain your commercial general liability insurance policy. Contact us today for additional information or a quote.