Why basic auto insurance isn’t always the right choice

When you opt to be a car owner, you must abide by the laws in the state where you reside and register your vehicle. In Pennsylvania, like almost every other state, there is a mandate for the amount of auto insurance that drivers are required to have. While this basic insurance is right for some people, it isn’t always the right choice. At Gallina and Sons, we offer the residents of Pittsburgh, PA the option of choosing an independent insurance agency that provides plenty of choices and also good advice when needed. 

In Pennsylvania, basic auto insurance is 15/30/5. You must carry $15,000 for bodily injury to the first person in the other vehicle when you are responsible for the accident with $30,000 for the entire accident coverage. $5,000 in property damage is also required. You must also have a minimum of $5,000 in medical benefits for you and others covered by your policy no matter who is to blame. 

These are pretty basic amounts and while they may be enough liability for some people, for many they will be way too low if you have considerable assets. The property damage in particular is very low given the current cost of repairing or replacing a vehicle.  

If you have an auto loan or a lease, you will not be able to get by with basic auto insurance. You need to protect the vehicle. Therefore, you must carry collision and comprehensive coverage. But if you use your vehicle every day, even if you don’t have a loan, you may want to carry comprehensive and collision to protect your vehicle if you have an accident or your vehicle gets damaged by an unforeseen event. 

Contact Gallina and Sons if you live in or near the Pittsburgh, PA area when you have insurance needs. 

Who Needs Commercial Insurance?

If you are a business owner, having commercial insurance is one of the key aspects of running your business. It does not matter whether high risks occur in your business or not, having commercial insurance is important. If you are thinking of getting commercial insurance but are still not sure if it is necessary, Gallina and Sons serving clients in Pittsburgh, PA and the Pittsburgh area prepared a list of those who will definitely benefit from this type of insurance.

Business Owners Who Own Properties

If you have commercial or personal property, you will definitely benefit from commercial insurance. A standard commercial insurance policy usually covers a commercial building itself, as well as all the items and belongings stored inside. Moreover, it is important to know that many mortgage lenders will not approve you for a loan if you do not carry proper commercial insurance.

Those With Liability Concerns

Some businesses and business owners are more prone to liability lawsuits than others. Therefore, having commercial insurance for them is a must. Most commercial insurance policies provide at least some level of liability protection. 

Business Owners Who Hire At Least One Employee

In the state of Pennsylvania, it is mandatory to carry worker’s compensation coverage. The purpose of this coverage is to protect business owners and their employees from financial losses if an employee is injured on the job. It also protects businesses from potential lawsuits. 

Gallina And Sons – Get Commercial Insurance To Protect Your Business

If you run your business in Pittsburgh, PA or Pittsburgh area, you should consider getting commercial insurance to protect it. Contact Gallina and Sons – an insurance company that will help protect your business, you as a business owner, and employees who work for you. Feel free to call us if you have any questions or need more information.  

Why you may want to add more liability insurance coverage

Owning a home comes with a certain amount of risk. That is why having not only the right home insurance but the right amount of liability coverage is vital to your financial security. Residents of Pittsburgh, PA can look to Gallina and Sons when they have home insurance questions or needs. 

Liability coverage protects you and your assets. If someone is injured at your home or by a member of your family, they may seek to have their medical bills paid, reparations for damages, and may sue for pain and suffering. This requires that you get legal representation. All of this can get expensive and you need to have enough liability insurance to feel that you are adequately covered. 

Some things put you at a greater risk of a large judgment against you and there may be liability risks at your home you aren’t even aware of. 

Your net worth has increased

The more you are worth, the more at risk you are of being sued. Chances are, your net worth has increased significantly from the time you first bought your home insurance policy and today. Keep that in mind when deciding on how much liability coverage you feel comfortable with. 

You have a dog

Your dog may be a member of your family, but depending on the breed, it may be a huge risk factor. Some breeds are considered so risky that insurance carriers won’t insure them. Let your insurance agent know that you own a dog and make sure your breed is covered. 

You have a pool

A pool is a great place to hang out in the warm weather, but it is also a risk you must consider when choosing your liability coverage. 

Residents of Pittsburgh, PA can count on Gallina and Sons for all their home insurance requirements. 

Do i need auto insurance plan in Pittsburgh, PA?

Have you ever been involved in a car accident and experienced how tedious and time-consuming the entire aftermath can turn? Possessing an outstanding auto insurance plan in Pittsburgh, PA may shield you from suffering a substantial financial loss in the event of a car accident. Splendid auto insurance spares you from negotiating with other drivers and property owners if uncertainties strike. To avoid these hassles after an accident, every driver in Pittsburgh, PA should invest in auto insurance from Gallina and Sons for the below reasons.

It’s a legal requirement

Carrying the state minimums on auto insurance in many states is mandatory. Suppose you are engaged in an accident without observing this legal requirement, and there is damage to property and bodily injuries. In that case, you are liable for court fines and imminent civil liabilities if one gets killed. Pennsylvania law requires all motor vehicle owners to carry liability insurance on any registered vehicle to cater to property damage or injuries you inflict on others.

Safeguard you against liabilities

Accidents do happen and can trigger insurmountable damage to other people’s property and bodily injuries, resulting in a hefty financial burden. With solid auto insurance, you can get help with claims other parties levy against you in accidents. It includes legal defense if you need it.

Helps you protect yourself

Having salient auto insurance in Pittsburgh, PA can go beyond fulfilling a legal requirement. Uninsured and uninsured motorist coverage may reimburse your medical bills if you get hit by a motorist who is either underinsured or doesn’t have insurance at all.

Protection of your car

Every time you contemplate hitting the roads devoid of auto insurance, think about the amount of money you have invested in your vehicle. For this reason, you need to safeguard your investment from calamities like accidents, fire, and theft.

You gain peace of mind

Knowing that you have formidable auto insurance that protects you and your family accords you peace of mind. An auto insurance plan will help you in averting substantial monetary losses.

Are you shopping for comprehensive auto insurance in Pittsburgh, PA? You are on the right path. The next step is to connect with Gallina and Sons for an affordable quote.

How Much Does Business Insurance Cost?

There is no doubt that having a business in Pittsburgh, PA, is profitable. There is a huge population with valuable customers. However, according to Gallina and Sons, for you to sustain your business without major hiccups in this region, it is essential to have business insurance. This is an insurance policy that covers you against possible perils such as fire, theft, downtime, worker compensation, and commercial vehicle breakdown. 

How Much Does Business Insurance Cost?

As a typical business owner, paying attention to cost implications is important. You don’t want to have a policy that will take too much capital out of your business. At the same time, you don’t want to be underinsured. The best way to sustain your finances and get covered is to strike a reasonable balance. 

What Affects Business Insurance Cost?

In most cases, insurance policies will be customized. Your business will have a distinct insurance policy as compared to the next organization depending on the factors discussed below. 

Area of Operations

Depending on the area of operations, businesses carry different risks. A tree-cutting business carries more risks than an organization that is offering online teaching. As such, you need to determine your risk levels before knowing the type of insurance policy to consider. Number of Employees

If you have two or three employees, your insurance costs will be lower. However, if you have many employees, you should expect to pay higher. Each employee increases risk exposures, which means that your claims are much higher and more regular as compared to a company with few workers. 

Looking for Business Insurance?

Gallina and Sons is the leading business insurance company in Pittsburgh, PA. We endeavor to provide the necessary protection to your business and cover your valuable investments. Call us today for more information on business insurance and associated costs.

What Could Happen if a Property Owner Does Not Get Home Insurance?

Owning a home in the Pittsburgh, PA area is a great option for many. Most property owners here would agree that having proper insurance continues to be a necessity. If you are a property owner here and do not have home insurance, a few different negative situations could arise. 

You Could Lose Assets

One of the worst situations that could arise if you do not have home insurance is that you could lose your assets. Your home and personal belongings are covered under a home insurance plan. This means that you will have support if you are a victim of fire, storm damage, vandalism, theft, or other situations that result in a loss. If you do not have insurance, you will lose this protection and may not have the resources to repair or replace them in the future. 

You Face Liability Risk

Another risk of not having home insurance is that you have a heightened liability risk. Property owners are going to take on some liability risk at all times. If an accident happens in your home, you could be held liable for the damages associated with it. With insurance, you will have the support to cover these damages. However, if you do not have insurance, you may need to cover the damages out of your own financial resources. 

There are a lot of reasons that people in the Pittsburgh, PA area should always have a proper home insurance plan in place. If you are looking for a new plan and want to ensure that you are properly covered, calling Gallina and Sons is a great option. The team with Gallina and Sons can offer you any support that is needed to fully understand your options and choose a new plan. 

Benefits of auto insurance coverage in Pittsburgh

The Pittsburgh, PA area is a great place to work and live. Those that would like to move to this area should consider getting a car as well as it will allow you to get around the metro area very quickly. Along with a new car, you should also get an auto insurance plan. There are several benefits that come with an auto insurance plan when you are here. 

Coverage Ensures Compliance With Obligations

A key benefit that is received when you get auto insurance coverage here is that it can ensure you remain in compliance with your obligations. Those that want to own and drive a car are going to be legally required by the state to carry liability insurance and will also have auto lender requirements as well. When you obtain a full insurance plan, you can be assured that you will be properly covered and are in good standing with all obligations.

Coverage Gives Protection

Even if you are not obligated to carry insurance for your car, it is still a good idea to have it. With a full auto insurance plan, you will have the coverage that could be needed to repair or replace your vehicle. You will also have the protection that is needed to mitigate and offset the liability risk that comes with driving. This can provide you with comfort and peace of mind that you are fully protected. 

Drivers in the Pittsburgh, PA area need to make sure that they are properly insured at all times. As you are looking for a new plan here, you should call Gallina and Sons. The team with Gallina and Sons understands the value that comes with this insurance. Their guidance can also help you choose a plan that is ideal and meets your needs. 

Home safety tips during spring season

Home safety tips during spring

The beautiful spring season comes with warmth and cheerful trees bursting with color and flowers. It comes with one message—time to brighten up. For most people in Pittsburgh, PA, cleaning and safety come first. Spring is the perfect time to think about home and insurance advisers at Gallina and Sons recommend reviewing and updating your home insurance policy to protect your family and loved ones. So, apart from insurance, what else can you do to improve safety during spring?

Check, replace, and repair your security alarms and smoke detectors

Carbon monoxide and smoke detectors should be checked with the test button and dusted. Replace the batteries if necessary or replace the unit if faulty. Burglars often lie low during winter and start operating again during spring. For that reason, you may want to check and replace your security system and ensure everything is working in excellent condition.

Don’t forget the weather

Don’t be fooled by flowers and the bright sun. The spring weather can be extremely unpredictable, especially if you live around the coastal regions. While you spend more time outdoors, be sure to watch out for storms and warning signs for the weather change. Always dress appropriately and stay up to date with the weather forecast.

Inspect for mold

The cold weather may not be kind to your laundry room and bathroom. However, the warm weather provides an excellent opportunity to inspect and get rid of mold before it becomes a health hazard for you and your family. If left alone, it can spread and cause serious respiratory problems.

Spring-cleaning takes time and effort, but when done right, your home is much safer and comfortable. If you need help with your home insurance policy, please feel free to contact Gallina and Sons in Pittsburgh, PA, and we will be happy to help.

Four things your condo association insurance policy should cover

If you own a condo in Pittsburgh, PA, it’s important to understand what your condo association insurance policy covers. At Gallina and Sons, we offer condo insurance policies in Pittsburgh.

The following are four things your condo association insurance policy should cover. 

Common areas

One of the potential expenses that just about any condo association insurance policy should cover is damages related to common areas. If a common area such as a roof, basement, or elevator is damaged, condo association insurance should cover the resulting expenses. 

Liability for the entire association

Condo association coverage also should include liability expenses that the association together experiences. If the association is sued because someone became injured on commonly owned property, the condo association policy should cover the resulting expenses. 

Personal belongings

It’s important to read the fine print and understand exactly what your condo association policy covers. While not all such policies may not offer coverage for personal belongings, some may offer coverage for the personal belongings of individual unit owners. 

It’s important to understand whether your community’s condo association insurance policy offers any coverage for personal belongings. This influences your own need for an individual condo insurance policy. 

Individual units

Some policies might offer coverage to damages within individual units. It’s important for condo owners to be aware if their condo association insurance policy offers such coverage.

If your condo association insurance policy doesn’t offer coverage for such expenses, then it’s important to invest in an individual condo insurance policy offering damages and liability coverage for individual units. 

We’re here to help you with all your questions on condo association insurance. Get in touch with us at Gallina and Sons to learn about your policy options in Pittsburgh, PA. 

Three things to remember when you’re insuring your business

Finding the right commercial insurance policy to protect your business operation financially is important. At Gallina and Sons, we offer commercial insurance policies in Pittsburgh, PA.

The following are three things to remember when you’re insuring your business.

There are numerous coverage types to consider

One of the most basic things you need to know about commercial insurance coverage is that there are numerous types to consider. Just a few types of commercial coverage include commercial liability, commercial property, malpractice, and errors and omissions coverage.

You need to learn about what the different types of coverage are and evaluate whether you need them. 

Performing a risk assessment is important.

One step that any company should go through when in the process of finding commercial coverage is a risk assessment. A risk assessment will pinpoint all the financial risks your company faces. This risk assessment should also involve calculating how much coverage your company needs.

Don’t overlook the importance of the risk assessment. You want to find insurance to offer your company financial security, but you don’t want to overpay for insurance coverage. That’s why a risk assessment involving detail and careful calculations is important. 

Certain types of coverage may be required by law.

Another important thing to remember is that you could be required by law to have commercial coverage in some cases. For example, you may need to carry workers’ compensation coverage if you employ enough workers. Figure out what your legal obligations are before you purchase a policy. 

Do you have questions about commercial insurance in Pittsburgh, PA? We’re here to help at Gallina and Sons. Contact us with your inquiries about our commercial insurance policies.