Will my insurance cover times when my business can’t be open through no fault of my own?

At Gallina and Sons, we know how important it is to protect your business in Pittsburgh, PA. Your business is not just your most valuable asset, but you are depending on it to provide income and support for you and your family for years to come. Obtaining the right commercial insurance policy is the first step in protecting your investment, and normally people purchase these commercial policies for auto, property, and liability.

Another important loss that no one can be prepared for is when the business is temporarily closed, such as in the aftermath of a natural disaster. The bills still need to be paid, like the mortgage and the electricity. Workers still need to provide for their families, and you may even owe them money for work they have done. But when your business isn’t open, you can’t generate the income you need to pay for everything. The losses will add up, and temporary closures have often caused companies to eventually shut down permanently when they could not recover.

With business interruption insurance, your small business can survive a temporary shutdown. You can add business interruption insurance to your already existing commercial policy, such as your BOP (Business owner’s policy). Your policy can cover profits you expected to receive, operating expenses you are still paying, and extra expenses that your business incurs because of the disaster. Your policy may even cover the expenses associated with moving your business temporarily until your original location is accessible again. 

If you have a small business in Pittsburgh, PA and you want to protect it against a temporary shutdown, or if you have any other commercial insurance questions, please call Gallina and Sons today.

How to Organize Home Improvement Projects

Homeownership in Pittsburgh, PA is a never-ending battle. It’s you versus the infinite list of things you want and need to do to the home. Before you pull your hair out of your skull, Gallina and Sons have a few tips to help you create a project hierarchy that will help you stay productive and satisfied with your efforts.

Priorities

Many experts talk about prioritizing projects that add the most value to the home. While there’s merit to that approach, it might not be the best starting point. You can worry about cost and value before you commit, but usually, it’s better to prioritize the things that matter most to you on a personal level. Put things that bother you at the top of the list (as opposed to things you really want). Fixing the squeaky door often grants more peace of mind than building the new deck or outdoor fireplace. The projects that add the most value to your daily life are often less ambitious, and they’ll keep you motivated to move on to the next.

Cost vs. Value

Still, comparing cost and value is a good way to pick between projects when other methods fail. There are plenty of tools to help you estimate what kind of return you’ll get for your spending, and it can help you make informed decisions.

Timing Is Everything

The most valuable resource for DIY projects is time. Here’s a rule to help you determine whether or not you should start a project. Estimate how long you think it will take, and then triple it. If you don’t have the time to handle unexpected problems that arise, then maybe it should wait until later. This doesn’t apply to emergency projects that are necessary to keep the house functioning and safe (like plumbing issues), but it can help you organize your more ambitious ideas.

Since you’re doing so much with your Pittsburgh, PA home, there’s one thing to remember. Changes to your home can, on occasion, necessitate changes to your insurance policy. Be sure to check in with your Gallina and Sons agent every once in a while to ensure you still have the best plan.

Is Auto Insurance Required in Pennsylvania?

If you’re an adult living in the Pittsburgh, PA area, chances are you drive a car. With each state and territory having their laws governing auto insurance, it’s no wonder there’s confusion across the United States over what is and isn’t required. Fortunately, Gallina and Sons Insurance is here to help. Currently, auto insurance is required under law for all Pennsylvania drivers. That said, the law itself is a little more complicated when it comes to buying auto insurance and making sure you have what you need. Here’s what you need to know:

Pennsylvania Uses ‘Choice No Fault’ Regulations

Most people are familiar with either fault (where the driver deemed to be liable for the accident pays for the damages and medical costs through their insurance or personal funds) or no-fault laws. (where both drivers involved have their insurance companies pay for the damages and medical costs) However, Pennsylvania is pretty unique in that it has "choice no-fault" laws, where drivers can opt in or out of no-fault auto insurance.

However, it is essential to know that this choice must be made at the time that auto insurance is purchased, and the choice cannot be changed in the event of an accident. 

There Are Minimum Coverage Requirements

Like most states, Pennsylvania does have a minimum coverage limit for drivers. While the numbers are subject to change, they are currently at $15,000 per person or $30,000 per accident when it comes to bodily injury. With medical benefits, the minimum is at $5,000 per accident. Pennsylvania also can impose hefty fines on people who are caught driving without proper auto insurance (especially if they are involved in an accident), so it is essential to make sure you have a great insurance policy that both fits your budget and adheres to state laws. 

If you live in the Pittsburgh, PA area, contact Gallina and Sons to learn more about how to obtain a quote and a policy. 

What is Covered Under Commercial Insurance?

Commerical insurance is one of those things a business can’t live without. Every single day, there are tons of risks associated with your business — some of which you aren’t even aware of. But in order to protect yourself and your company, having the right commercial insurance plan is vital. 

What Does Commercial Insurance Cover?

When it comes to commercial insurance, there are many options to consider. Workmans’ compensation, general liability, and umbrella insurance are just a few of the many coverage options available to businesses. Whether you own a small coffee shop in the Southside of Pittsburgh, PA or a massive oil company on the outskirts of town, understanding your insurance options is key to running a well-functioning business.

Here are a few of the various coverage options involved with commercial insurance:

General Liability

General liability insurance covers your business from claims associated with third parties. That includes injuries or accidents that happen at your business location or injuries where your business is found liable.

Workers’ Compensation

While at work, some people might get hurt or become ill caused by something in the workplace. Under this insurance option, employees’ medical and disability expenses are covered. In most states, it’s the law for all business to carry this insurance coverage. 

Property Insurance

This is one of the most important coverage options to have for your business, no matter the size. This commercial insurance coverage will protect your business property from storms, fires, hail, and other causes. 

Professional Liability

This insurance option protects businesses from claims brought on from customers due to not following through with promised services. If a client feels they didn’t get what they paid for — or they saw economic losses — they can sue the company they worked with. This policy option will help protect you from this situation.  

Reach Out to the Commercial Insurance Experts!

All the various commercial insurance policies can be tough to wrap your head around. If you want the answers to all of your business insurance questions, reach out to the professionals at Gallina and Sons. We have a long history of providing outstanding insurance solutions for businesses of any size. We are serving the locals in Pittsburgh, PA, and we’ve been helping businesses succeed for over 70 years. Gallina and Sons is your solution for all of your insurance needs. Make an appointment with us today!

Who Requires Home Insurance?

Buying a home is a very big decision and an important investment that needs to be taken seriously. When buying a home, one of the factors that you will need to consider is whether or not you are required to have home insurance and what the requirements are. For those that are in the Pittsburgh, PA area, there are several different parties that may require you to carry home insurance on your property.

Mortgage Lender

If you are taking out a mortgage to finance the purchase of your home, you will be required to carry home insurance to protect the property. The mortgage lender will typically require that you carry a property insurance policy that will at least cover the outstanding balance of the mortgage. The mortgage lender will also require that they are a named insured party on the insurance policy and that you escrow the payments each month.  

Association

If your home is part of a larger homeowners association, you may be required to carry property insurance under the bylaws. The homeowners association bylaws will typically have minimum requirements in place for how much property and liability insurance you will be required to have. The association may also require that you provide them with evidence of insurance coverage on an annual basis.  

Homeowners that are in the Pittsburgh, PA may find that it is hard to choose the right home insurance policy. For those that are struggling to pick the right policy, talking with Gallina and Sons could be a great option. Gallina and Sons is a leading consumer insurance provider that could help you to better understand your home insurance needs and help you to get into a policy that provides you with the right level of coverage at a great rate.  

Are You Covered Fully for a Long Distance Road Trip?

It may be about time for that road trip of a lifetime. The weather is about to be nice, and the upcoming months mean that nature will be in full bloom. As you plan the details of your trip such as where to stay, key points to see, and the best food places along the way, don’t forget to update your auto insurance before you leave. Gallina and Sons, serving residents in the Bridgeville, PA area, would love to help you make sure that auto insurance is not a worry for you as you make your trip. 

The last thing you want to be thinking about on your road trip is your auto insurance coverage. That is why it is essential to learn all you can about the limitations of your coverage before you leave. For example, if you only have the minimum of coverage for your state, you may discover it is not enough if you get in an accident out of state. This is not always the case, but it is worth checking into before you leave and comparing it to the states you plan to drive through. Also, consider who else may be driving, it is common to use more than one driver on a long trip, but it is key to make sure each driver is covered. 

Advanced preparation is key to making sure you are fully covered in the event of the inevitable. This can save you from financial strains and future burdens.

Contact us at Gallina and Sons to discuss your next road trip and to make sure you are fully covered from out of state issues; we are proudly located in Bridgeville, PA and serve the surrounding areas. 

What Are the Components of a Basic Home Insurance Policy in the State of Pennsylvania

Gallina and Sons provides insurance policy solutions for the people of Pittsburgh, PA, and the surrounding areas. Our trained professionals understand what the complexities of home insurance are in order for you to be compliant with the state and local mandates.

Basic Home Insurance Policies In Pennsylvania:

Pennsylvania is one of the states in the U.S. that does not require a homeowner’s insurance policy. That being said it doesn’t mean it is a good idea not to have one. Many mortgage lenders require you have a policy in order to secure a loan.

As a result of the fact that it is not required in the state, what is covered on a strictly basic level of insurance is your home, you, and your family’s personal belongings. Home Insurance brokers in the state have standard home insurance lines of products that can be similarly found across the country, such as: 

  • Medical Expense Coverage – in the event you cause injury to someone, their medical bills are covered
  • Alternative Living Expenses – if you must find another place to live while your home is being fixed due to a covered event, this arm of the policy will cover your expenses and accommodations
  • Property Coverage – in addition to the protection of your home, this coverage will protect other structures on your property (shed or garage) 

As a result of the lack of mandate, buying insurance can be more complex.

Gallina and Sons provide one-on-one consultations to those in Pittsburg, PA, and the surrounding areas so that residents will learn what is needed to protect vulnerabilities in various aspects of life. Come in or call today to speak with an agent and learn how to better protect your assets. For quotes, try our online rating tool for auto and home insurance.

The Malpractice Insurance Arm of Commercial Insurance

Protecting your Business with Gallina and Sons

Serving the Pittsburg, PA area and the surrounding areas, we are convinced we are the solution to all of your insurance needs. Commercial insurance is an intricate entity that must be navigated by a professional insurance agent. There are simply too many nuances to the crafting of a comprehensive policy. 

Malpractice Insurance

Malpractice Insurance may cover you:

  • If you incur liability for the harm or damage to a patient under your care
  • If you practice medicine in a private office building, there is a specific type of insurance you need
  • If you practice medicine in a hospital only, there is a certain type of insurance you need
  • If you practice medicine in a hospital and a clinic setting, there is a certain type of insurance you need

Malpractice Insurance is Only the Beginning 

There are many arms of commercial malpractice insurance depending upon how, where, and when you practice medicine. Research the topic entirely, speak with professionals and colleagues in the field you are in or plan to be in and then come to us armed with self-advocacy in this critical aspect of your career. There is no getting around the mandate for malpractice insurance if you practice medicine in Pennsylvania. Getting familiar with it will only benefit you in the long run.

Call an agent at Gallina and Sons today whether you are in the Pittsburgh, PA area or the areas that surround our historically rich city. You can come in to discuss your needs or begin our contact via e-mail. Once we begin the process of underwriting your policy, you can focus solely on your business without worry about your liability. Reach out to our agents for more information.

3 Ways Commercial Insurance can Help a Business Grow

Commercial insurance can protect a fledgling business against accidents or lawsuits that can cause financial ruin. In protecting business assets and interests, commercial coverage enables you to invest in your company’s growth. Here are a few ways in which commercial insurance from Gallina and Sons can help your Bridgeville, PA business grow.

Liability

Liability coverage protects you against business-related injuries and accidents. If a customer accidentally injures himself while on your business property, general liability will help pay for medical expenses as well as protect you against a lawsuit due to the accident. Product liability protects you against injuries caused by a product you manufacture or sell. Liability insurance protects your business assets, so you can make financial decisions that will help take your business to the next level.

Property Insurance

Business expansion often requires the purchase of property, equipment, supplies, and other items essential to generating revenue. Property insurance protects your business property against damage or loss due to theft, fire, hazardous weather, or other covered peril. This protection lets you make investments that will help expand your business without worrying about the financial loss.

Workers’ Comp

Good employees are the backbone of every business. You’re more likely to attract reliable workers if your company has workers’ compensation to protect their interests. Workers’ comp protects your employees against accidental injuries on the job. It also protects you from lawsuits that may arise due to employee accidents.

By exploring the different types of commercial coverage, you can get a better idea of how to protect your business in ways that help it grow. The right insurance package can provide you with financial security to invest in your future.

To learn more about commercial insurance and all it has to offer, contact us at Gallina and Sons in Bridgeville, PA.  

How Driving Citations can Change your Auto Insurance Policy

When renewing your auto insurance policy, or starting a new policy, typically the insurance company will look at several factors. They may consider what type of car you are driving, how far you usually drive your car each day, or how many people will be driving the car in the household. Did you know that a car insurance policy is also determined by any driving citations you may have incurred? 

Any ticket for a moving violation can significantly impact your car insurance policy and the premium that you will pay. Although each car insurance company is different, typically moving violations are separated into three distinct categories. A small impact ticket that will not alter your vehicle insurance drastically could be something like having a tail light out while driving. 

A more serious moving citation might be a speeding ticket for going ten mph over the speed limit. This can moderately affect the premiums you pay for car insurance. 

A serious moving violation may be something like DUI conviction. This can have very grave consequences and can even cancel your coverage depending on the situation in which you were caught.

Each car insurance is different and will have different thresholds to consider for moving violations. The severity and the number of tickets in a given amount of time will also impact the way your auto insurance changes.

If you have questions about auto insurance policies, be sure to reach out to Gallina and Sons proudly serving Bridgeville, PA. At Gallina and Sons, we understand that auto insurance can be complicated. If you are a resident of Bridgeville, PA, please reach out to us. We are available to help answer any questions you may have and can help get you started on a new auto insurance policy today. If you are looking for a quote, try our online rating tool on auto insurance.