Commercial Insurance: Does Your Business Need It?

Whether your business needs commercial insurance or not can depend on a lot of factors. One of those is the size of your business, but the main issue is merely the kind of business you have. If you have a large warehouse or retail space, or anything where you have customers coming to your physical location, commercial insurance from Gallina and Sons to protect your Pittsburgh, PA area business can be important. The same is true if you have employees because you need to make sure they have the protection they need, as well. But if you work from home online and have no employees, commercial insurance may not be required.

The general rule for commercial insurance and whether your business needs it is based on how much liability and risk you are taking by operating that business. When you have employees and customers at your location, and they could potentially be harmed or cause harm to others, having insurance to protect you from these types of issues matters financially. People who work out of their homes and do not have employees or customers at their location do not have the same types of risk factors for these types of problems, so they are less likely to need any type of commercial insurance policy.

Your Pittsburgh, PA business matters and you want to keep it safe. By reaching out to us today at Gallina and Sons, we can help you determine whether you need a commercial insurance policy for your company. If you do, we can help you get the policy that will work for you and be the best for your needs. Then you can have real peace of mind, and know that your business is protected the right way for the long term.

Common Misconceptions About Auto Insurance

At Gallina and Sons, we have worked with people who have some pretty common misconceptions about car insurance. If you live in Pittsburgh, PA or the surrounding area and have any of the following ideas, we are here to bust them.

Insuring a Red Car Costs More

Too many people have asked us over the years if their red car is going to cost more to insure. Color has nothing to do with your policy premiums. Your policy will be affected more by things like your driving record, credit history, and more.

You Always Get The Best Policy

Many people believe that an agent is going to find the best possible insurance policy for them, no matter what. That isn’t always the case. While an agent will get you the best policy their company offers, they won’t suggest one outside of their employer. There’s a strong fact that you might get a better policy option from a different company.

Gender Affects Your Coverage

The idea that men have higher premiums than women is a silly misconception that is more like a bad sitcom joke than anything. Insurance companies base their premiums on a driver’s history and the quality of their vehicle. The gender of the driver has almost nothing to do with it.

Lapsed Coverage Saves You Money

Some people try to save a little money by letting their insurance policy lapse for a few months. This mistake is a huge one. That’s because you can not only get severely penalized if you’re caught without insurance but will end up paying higher premiums because of your lapse.

Avoid These Misconceptions

So if you live in Pittsburgh, PA or the surrounding areas and suffer from these misconceptions, please contact us at Gallina and Sons. We can help you better understand your insurance policies and ensure that you don’t experience any complications due to a misunderstanding.

How to Change Home Insurance

Home insurance is something that is very important and with the right information you can get a policy that is going to work for you in the most beneficial way possible. Knowing how to switch your coverage or change it is one of the best ways you can be sure you are getting the most out of your policy. For those in the Pittsburgh, PA area, the agents with Gallina and Sons can help you find the home policy that works best for you.

Changing your Home Insurance Coverage

Home insurance is something that is very important, and the right coverage is essential to make sure your home is protected from any issue that you may come up against. The proper coverage can mean the difference between being able to rebuild or move after your home is destroyed and can mean the difference between being able to carry on and financial ruin. Switching home insurance coverage is not as difficult as you imagine.

Taking the time to talk with an agent at a local insurance agency is the best way to know how to go about changing your home insurance coverage. You are going to need to first initiate the change by contacting the agent or new agency you want to have your home insured with. You then need to have an adjuster visit your home to see how much it is worth and how much it should be insured for. You can then talk with an agent to find out what policy is going to work best for you and what coverage you need.

For those in the Pittsburgh, PA area, the agents with Gallina and Sons can help you to find the coverage you need and the coverage that is going to keep your home safe from any disaster that might strike and destroy your home. Contact our agents for more information.

When Can You Claim Your Condo Association Insurance?

Owning a condominium usually brings along unique insurance needs. You need to remember the fact that when you purchase a condominium in Pittsburgh, PA, you are acquiring an interest in a property of homes. 

A condominium board or Homeowners’ Association is in charge of the property. What you own as an individual is the space around the four walls, but anything outside is shared. You will be expected to pay fees for amenities and to maintain the condo complex. 

The shared ownership of the space usually creates a great challenge when it comes to liability and property damage claims. However, a Condo Association insurance policy from Gallina and Sons will go a long way towards addressing these issues. So, when should you claim your condo association insurance policy?

When There Is a Liability Claim Filed By a Third Party

It is good to mention that your condo association’s insurance policy helps cover the structure of the building and all common areas. The policy may or may not extend to the inside of your unit depending on the service provider.

You can file a claim on your condo association’s policy if you are hit with a lawsuit or if you need to cover the medical costs of another person who suffered injuries after slipping and falling in a common area that is maintained by the association.

When There Is Property Damage on the Common Areas

The property coverage on your condo association’s insurance policy is meant to offer protection against different disasters that may affect all the common areas of the units that you share with the other residents such as the basement, the elevator, walkways, roofs, and courtyards.

Don’t be afraid to file a claim if something happens and any of these common areas are rendered unusable. The insurance provider will take care of all the necessary repairs.

Do you own a condominium in Pittsburgh, PA? Contact Gallina and Sons today to learn more about a condo association’s insurance policy.

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.

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.  

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.