Do I Really Need Commercial Insurance for my Small Business?

Small business owners often don’t realize how vulnerable their small business is to financial loss. Purchasing a commercial insurance policy for their business is the best way to protect yourself if an accident or other type of disastrous event occurs. The agents of Gallina and Sons serve small business owners in the Pittsburgh, PA area. They have many years of experience and understand the importance of reducing your potential liability.

Minimizes Financial Loss

Even a small accident can result in heavy financial losses. A commercial policy is designed to protect your business from the financial cost of an accident or other devastating events. Having a commercial policy in place means that you don’t have to use your working capital to cover the costs associated with the event. It not only protects the assets of your business but also gives you a sense of security.

Sense of Security

The sense of security offered by a commercial insurance policy gives you the peace of mind need to continue to operate your business. Your business’ financial resources will remain intact allowing you to continue to operate your business as usual. When an accident occurs, your commercial policy will take care of the costs so that your business won’t suffer the consequences.

At Gallina and Sons, agents are ready to serve small business owners in Pittsburgh, PA who are interested in learning about commercial insurance. If you want to learn more and have questions you would like to have answered, call an agent today! Schedule your appointment now so that you can fully protect your business from financial loss. They have the answers you need!

Home Insurance and the Properties that Can Be Covered

 Home insurance is something that is required for many homeowners and that can help to truly protect your home. There are some properties, though you may live in them, that do not qualify for home insurance policies and knowing what can be insured is a great help. For those in the Pittsburgh, PA area, the agents with Gallina and Sons can help you find the policy that works best for you.

For the most part, the basic underlying principle that qualifies a property to be insured as a home is that it is legally considered a place of residence. This means that you cannot insure something like a warehouse on a home policy, you cannot insure an RV on a home policy, you cannot insure just a shed on a home policy, and so on. There needs to be something that legally considered a residential structure.

Even if you live in a warehouse, unless it has been rezoned as a residential property and has been outfitted with living quarters that follow regulations, you cannot insure it on a home policy. Now, there are some loopholes, if you have a property that is being insured as a home with a homeowner’s policy and there happens to be a non-residential structure on the property, you can insure it along with the home. You can also insure things like the contents of your garage, the contents of the home, and other items that are on the property that is insured even if you do not live in them.

With any insurance policy, it is always best to take the time to talk with an agent to determine what can be insured and to consider other types of insurance to help protect your possessions. For those in the Pittsburgh, PA area, the agents with Gallina and Sons can help.

What Is Standard Liability Auto Insurance In My State?

Gallina and Sons Insurance in Pittsburgh, PA – We Answer All of Your Questions From The Simple To The Complex 

The minimum required insurance coverage that is needed to own and operate a motor vehicle in the state of Pennsylvania are as follows: 

Medical benefits – $5000 is the minimum limit for medical bills for yourself and others regardless of who was found at fault in an accident.

Bodily injury liability – if someone is injured in a car accident either yourself or a passenger or someone in another vehicle this portion of coverage would pay the medical and/or rehabilitation fees if you are found liable. The minimum limits are $15,000/$30,000. $15,000 is the amount paid to one person to cover their injuries while $30,000 is the total paid for any one accident. Remember to keep in mind that these are the minimum limits for the state of Pennsylvania.

Property damage liability – if you are found at fault for damaging someone’s property during an accident this portion of your insurance would cover me the minimum for this portion of insurance is $5000.

We like to offer this information so that you have the opportunity to consider it before you sit down to speak with an agent who will underwrite your policy. Most people don’t know how much the minimum liability amount requirements are.    

Gallina and Sons serve Pittsburgh, PA and the surrounding areas in their auto, home, association, and commercial insurance needs. You can give us a call at 412-221-7010 to speak with one of our staffers. Quite possibly you may get a Gallina on the phone since it has been a family-owned and operated company since its inception.  We look forward to hearing from you today. Don’t hesitate to call.

Take the Time to Get Your Home Ready for Winter During the Summer

During the summer months, you may be enjoying the sunshine. The last thing on your mind may be winter. But, during the summer, it is easier to prepare your home and get it ready for winter. At Gallina and Sons, serving Pittsburgh, PA, we want to remind you that your homeowner’s insurance policy requires you to properly maintain and care for your home. Here are a few of the things you can do during the summer months to help maintain your home and get it ready for winter. 

Trim Back Your Trees

During the summer months, take the time to examine your trees for any damage or disease. Also, take the time to trim back your trees and cut away dead or damaged limbs. This can prevent a limb from unexpectedly falling and hitting your home or a car. 

Repair Cracks in Your Concrete and Asphalt Surfaces

The summer months are also a great time to repair cracks in your concrete or asphalt surfaces, such as your driveway, patio or walkways. This can help to prevent someone from tripping or slipping. 

Have Your Roof Inspected and Repaired

Lastly, have your roof inspected and have repairs done. This can prevent an unexpected leak during the winter months. Also, making repairs is harder in the winter months due to the icy conditions and cold temperatures. Spring and summer are the perfect seasons to have roof repairs completed. 

Preparing your home for winter can help to decrease the chances of unexpected events happening, such as roof leaks or someone slipping and falling on your property. Unfortunately, though, you cannot stop every unexpected event from happening. This is why having a great home insurance policy is so important. If you are in the market for your first homeowner’s insurance policy or you want to purchase a new one to protect your home in the greater Pittsburgh, PA area, turn to Gallina and Sons. Contact us today and let us help you. 

What Is Condo Association Insurance?

A condo association insurance policy is not the same as a condo owner’s insurance policy. The latter aims to protect the inside of your unit, while the association’s policy serves to protect the outside of your unit and any common areas. However, in some instances, a condo association insurance policy does cover the inside of your unit. Here at Gallina and Sons serving the Pittsburgh, PA area, we want to help protect your condo. Keep reading to learn more about condo association insurance.

Liability Protection

The liability protection part of a condo association insurance policy can be of the utmost value if someone is injured or falls in the common area part maintained by the condo association. The policy may help cover the medical expenses and legal fees of the injured person. Without coverage, the condo association may have to pay out of pocket to cover these costs.

Property Coverage

The property coverage part of a condo association insurance policy helps protect the common areas you share with other residents in the event of a disaster, such as a tornado or if someone accidentally crashes their vehicle into a common area. The exact types of covered perils depend on the policy.

In some instances, a condo association insurance policy does cover elements inside of your condo, like the floors, ceilings, and walls. If this is how your condo association’s insurance policy works, then you will need to buy a condo insurance policy that covers all other elements in your condo, like the plumbing, electrical wiring, and kitchen cabinets. However, some condo association insurance policies go as far as protecting the original appliances and fixtures installed in a condo.

The best way to determine what your condo association’s insurance policy covers is to speak with a licensed insurance agent at Gallina and Sons serving the Pittsburgh, PA area. Give us a call today.

Insuring the Place You Call Home

When we think of "home insurance" or protecting our home, we normally see the typical three bedrooms, one and a half bath house with attached garage. The truth is, it doesn’t matter what the size of your home is or where you call home, insurance is an investment in a home. 

Insurance for Any Size and Every Home

Home insurance isn’t a one-size-fits-all design. Instead, like our friends and neighbors in Pittsburgh, PA, and the surrounding areas, home insurance is tailored to fit your home, no matter what size or where it is you call home. That includes renters insurance, for those who haven’t yet bought a house, but we realize that this is more than a place or apartment, this is home.

Like anyone who has a residence, you don’t have to own your home to have years of valuable, keepsakes and basic household items from electronics to furniture. The worry, the headache and the financial burden of replacing lost items can be daunting. Regardless of the size or location of the place we call home. Gallina and Sons have dealt with finding the right policy for the multi-million dollar homes and for those who lease and rent.

Insuring the Place You Call Home

The residents of Pittsburgh, PA trust the professionals at Gallina and Sons, to take the time to listen, find an insurance plan that fits your life, your budget, and your home. If you are looking for home insurance, wanting to compare rates or would like to learn more about home insurance and renter insurance options, contact us today. Keeping the place you call home protected is a decision that will offer you peace of mind and really help when you need it, wherever home is.

What Does A Commercial Insurance Policy Cover?

Your business needs to be protected as much as possible in Pittsburgh, PA. The best way to accomplish this is with a commercial insurance policy. It can cover a number of aspects of your business.

Typically, a commercial insurance policy is going to cover the basics, including property insurance and liability. You can also customize it to include commercial auto insurance, business interruption insurance, and much more. Every business is different, so what gets added to your policy may vary from the business down the road from you. At Gallina and Sons, we will sit down to discuss the options that are available to you.

You want to make sure that you have the coverage so that something doesn’t happen, leaving you spending all of your profits. Unfortunately, one problem can cause you to be bankrupt if you don’t have the right insurance coverage. The goal is to prevent this from ever happening.

There are a few things you will need to explore in order to determine what you need your commercial insurance policy to cover. This includes your location, the number of employees you have, how many vehicles your company owns, and even your gross annual revenue. If you work with a significant amount of equipment or you have a large amount of inventory on the premises, this should be identified as well.

Essentially, commercial insurance policies are customizable. If you only have a certain number of employees, you may not need to have workers compensation. If you don’t have commercial vehicles, you can skip that coverage as well.

Contact us at Gallina and Sons so that we can help you to decide what kind of commercial insurance policy you need for your business in Pittsburgh, PA. Once you have the coverage in place, it will be easier to run your business without worrying about what could go wrong.

 

Does Homeowner’s Insurance Cover Spring Thaw Flooding?

A standard homeowner’s insurance policy does not cover flooding due to the spring thawing of snow and ice. In order to be protected, you need to purchase a separate flood insurance rider to add to your policy from Gallina and Sons.

How to Prepare for Possible Spring Thaw Flooding

Every spring has homeowner’s in Pittsburgh, PA worrying about the spring thaw and possible flooding of their homes. The winters seem to be lasting longer with more ice and snow each year. When the temperatures warm, the ice and snow melt and create much more water than usual around your home, especially if you have a basement. 

How to Protect Your Home from Spring Flooding

Your first area of defense in preparation is to clean the debris from all of your rain gutters twice a year in the spring and fall. This keeps them clean so that they don’t overflow. You should also check all of your gutter connections to make sure they are watertight and do not leak. The drainage system on the ground should be far enough from your home to the downspout, so the water is diverted away from your house. A good rule of thumb is for the downspouts to empty at least 10 feet away from your foundation.

Your landscaping around your foundation can help to divert melted snow and ice naturally. Make certain that the ground slopes away from your foundation and basement so that water can run off and away from your home. Another good tip is not to shovel snow near your foundation, or you will only make matters worse when it melts.

In Pittsburgh, PA, it is a good idea to enlist the help of a humidifier plus a deicer in your basement. Your basement can harbor musty odors, mold, rust and sweating pipes, and humidity. Controlling the humidity levels and keeping your basement dry will help to control all of the smells in your basement. 

Check all of your plumbing pipes and make sure they are well insulated before the first freeze approaches. Any leaks should be repaired quickly so as not to cause water or flood damages to your home. 

We at Gallina and Sons are here to help you navigate the waters of flood insurance so that your home, as one of your most significant assets, is protected fully. You can contact us by phone or in person to learn more about flood insurance on your homeowner’s policy.

What Types of Commercial Insurance Do I Need?

Gallina and Sons serve business owners in the Pittsburgh, PA area, as well as many of the surrounding communities. Our agents understand how confusing commercial insurance can be and are willing to explain the various types that may be needed to fully protect your business. Even a small loss can be financially devastating. Having the right types of insurance can prevent that.

Liability Insurance

Liability insurance is used to protect a company from someone being injured on their property or by one of their products. This can be the result of a slip and fall or tripping accident or through the use of a defective or malfunctioning product. There are many different types of liability, so it’s important to work with your insurance agent to ensure you are adequately covered.

Fleet Insurance

Fleet insurance is a necessity if your company owns one or more vehicles that are used during the operation of the business. Fleet insurance covers all types of vehicles from automobiles to large delivery trucks. Just like your auto insurance covers your individual vehicle, fleet insurance covers all company-owned vehicles.

Umbrella Insurance

Umbrella insurance is a special kind of insurance that picks up where other policies leave off. If your fleet insurance has a cap of $1 million and the payout exceeds that amount, your umbrella policy will cover what your fleet insurance doesn’t.

At Gallina and Sons, the agents who serve the Pittsburgh, PA area can answer any questions you may have about your commercial insurance policy. Call today and schedule an appointment with one of our reputable agents. They will make sure you have the types of coverage you need and the right amounts to fully protect your business.

Remodeling Your Home? Why You Should Take a Look at Your Current Home Insurance Policy

As you prepare to remodel your home, it is important to take the time to glance at your home insurance policy, and even consider making changes to the policy, if needed. Here at Gallina and Sons, serving the greater Pittsburgh, PA area, we would like to let you know why it is essential to do so. Here is why you will want to take a look at your current home insurance policy when you are remodeling your home. 

What to look for?

When you are remodeling your home, odds are, you are using materials that are of higher cost than what is already in your home. In the event of a fire, flood or other incidents that are covered by your home insurance, your home insurance company will pay to replace the materials that were damaged, as long as you have enough coverage. Unfortunately, many people do not think about increasing their coverage level after a remodel, and as such, they may not have enough coverage to pay for these higher costs. They only receive what their maximum coverage level is, and that may not be enough to get your home back to its pre-existing condition. This is why it is so important to take a look at your policy when remodeling your home. 

If you have taken a look at your policy and have come to the conclusion that it no longer meets your needs, it may be time to get a new one. At Gallina and Sons, serving the greater Pittsburgh, PA area, we can help you find the right coverage levels and policies for your needs. Give us a call now to get started.