Do I Need Commercial Truck Insurance?

Managing a business is hard work, and it is vital that you have the proper commercial insurance. This is crucial to not only protecting your company, but also to keeping your investments and assets safe. 

What Situations Will Require Commercial Truck Insurance?

Residents of Woodstock, Georgia are required to insure their vehicles under the law whether or not they are used for business purposes, but those that are operated for the use of their companies will require commercial automobile insurance. You will need commercial truck insurance, specifically, if you do any of the following: carrying equipment, transporting hazardous material or substances, moving cleaning supplies, towing heavy machinery, delivering pizzas, towing, performing any sort of chauffeur service, and shipping freight. 

Types of Truck Insurance

Your commercial truck insurance policy will be tailored to the type of vehicle you are using, and varieties can include box trucks, tank trucks, garbage trucks, flatbeds, semis, dump trucks, tow trucks, and trailers for transporting cars. The coverage that you need will depend on the number of average annual miles it is driven and on what sort of items it is used to haul.

You can purchase standard liability, physical damage coverage, underinsured and uninsured motorists insurance, and you can also obtain insurance to cover the loss of cargo. Insurance for semis provides additional options, such as equipment coverage, non trucking, and bobtail insurance. 

Peter Laczko Insurance Inc. Is Here to Help You

Peter Laczko Insurance Inc. has a great deal of experience in serving the people of Woodstock, GA, and they are here to serve you. You can speak to one of their friendly agents about all your commercial insurance needs, and they will be sure to find the right insurance package for you. Contact Peter Laczko Insurance Inc. today!


Does My Landlord’s Policy Cover Me?

Some people believe that their landlord’s insurance policy provides protection for the renter, however, this isn’t the case. A landlord’s policy is designed to protect the owner of the building against damages and loss of income from circumstances that render the property unrentable. If you want peace of mind that your jewelry and collectible items are safe in the event of a fire or burglary, you need renter’s insurance. For a quote and state-specific information about renter’s insurance in Woodstock, GA, contact the Peter Laczko Insurance Inc.

In general, renter’s insurance in Georgia may cover personal property, liability, medical payments, and loss of use. Personal property coverage helps you replace your furniture, appliances, and clothes. Usually, Georgia renter’s insurance uses replacement cost coverage, which means that even if your furniture had lost much of its value before it was destroyed, you’ll get enough money so that you can replace the item with a similar quality product at retail cost. Liability coverage comes into play if someone claims that negligence on your part caused property damage or bodily harm. Regardless of whether this claim is true or false, liability coverage protects you financially. And in Georgia, the insurance company has the duty to defend, meaning that your insurance company pays out of its pocket to investigate a claim and for your legal defense, if needed. Medical payments coverage comes in handy when someone suffers a small injury in your home. For example, your guest may get cut while helping you wash dishes, and in this hypothetical situation, your medical payments coverage would pay for the injury without requiring a liability claim. Loss of use coverage comes in handy when you’re going through a situation where you aren’t able to use your home. If you’re getting asbestos removed from your home and you’re forced to live in a hotel and use a rental car, this coverage would help pay for those expenses.

For more specific information about Woodstock, GA renter’s insurance, call the Peter Laczko Insurance Inc. for a friendly conversation with a helpful associate.


Renter’s Insurance

Renters often underestimate the value of their possessions, and they believe that their landlord’s insurance will cover the costs of any damages they experience. It can be very expensive to replace damaged possessions, and the landlord’s insurance usually does not provide coverage for renters. The rental agreement generally stipulates this. Whether you live in Woodstock, GA or any of the nearby communities, the agents of Peter Laczko Insurance Inc. are available to help you learn about the protections you can get as a renter. The peace of mind that renters insurance provides justifies the nominal cost.

Renters could experience property damage from problems beyond their control. For example, if water leaks from another renter’s unit and causes a lot of damage, that renter may not have coverage to protect you. The renter would need insurance if a water pipe bursts within the their unit. A  washing machine hose could rupture, or a sink could overflow causing damage to the renter’s unit and other units in the building. If fire or a natural disaster causes damage to the renters property, the landlord’s insurance will not cover that damage either. A few natural disaster coverage provisions are considered optional coverage, and our office can discuss these.

Personal liability protection is another important reason for having renter’s insurance. If a visitor suffers an injury in the renter’s unit, then the renter can be held responsible for the injury. The renter could face a big medical bill for the visitor’s injuries. Renter’s insurance will protect against a lawsuit filed by the visitor.

The Peter Laczko insurance Inc. agency will explain the range of insurance options available for renters in Woodstock, GA or any nearby community. Call to find and out more about how our renter’s insurance policies can be made to fit your specific needs.



In Woodstock, GA, Why Is It Important to File a Worker’s Compensation Claim Immediately After An Accident?

The agents of Peter Laczko Insurance Inc. serve residents and business owners alike in the Woodstock, GA area. They are especially helpful when it comes to Worker’s Compensation cases and helping you take care of your responsibilities if an employee is injured while on the job or company property. It’s important for you to know the intricacies involved in taking care of a Worker’s Compensation case so that your business remains protected at all times. 

Injuries Can’t Wait

If an employee is injured while on the job or on the premises, they should be immediately seen by a doctor. Not only does this document the injuries, it also time stamps the event. This means that the injuries received in the accident aren’t confused with any prior injury or illness. Making sure the injuries are examined immediately will also provide a more accurate estimation of the possible cost to your company.

Deadlines Must Be Met

Once an accident occurs, there are deadlines that must be met. In Georgia, an employee has one year from the day the injuries were received to file a Worker’s Compensation claim. As the claim process goes on, other deadlines may be set according to the parameters of the Worker’s Compensation insurance as well as with the courts. Your insurance agent will help you navigate through the process once the first claim has been filed.

Business owners in the Woodstock, GA area are encouraged to call the agents of Peter Laczko Insurance Inc. if they have questions about their Worker’s Compensation coverage. Worker’s Compensation insurance can be confusing. Don’t wait to get the answers you need. It’s important that you meet each deadline and have all the information you need to protect both your business and your employees.

Having A Classic Car Appraisal Is Necessary For Proper Insurance Coverage

If you own a classic car, it is important to get the right coverage to protect your investment. One of the key elements to obtaining the right coverage is to have your car appraised by a certified professional vehicle appraiser. Having this critical information is not only necessary for coverage through most companies, but it ensures that you have the proper coverage.

The Appraisal Process

You will want to find a reputable and knowledgeable appraiser that your insurance company will recognize when writing your policy. You can get a referral from a fellow car enthusiast or you may even get a recommendation from individuals in the automotive repair and sales field. You can even find them in your area by searching the internet. Upon receiving your appraisal, you then present it to your insurance company and insure your vehicle for the appropriate amount. Having this documentation available becomes key during the claims process.

Accident Claims

In most cases, accidents involving classic cars are the fault of the other driver, but there is an issue that you will probably run into during the claim. The other party’s insurance company will contest with a diminished value claim. Having your appraisal will help cement your claim and get the money you deserve during the claims process. Without a certified appraisal, you will not get enough to repair or replace the car adequately. If you make any additions or adjustments to your vehicle, you should have the car appraised accordingly and let your insurance company know immediately. Keep a record of all receipts and communications regarding the vehicle as advised by Georgia Office of Insurance Safety.

Having a classic car with the appropriate insurance requires you to have a certified appraisal that backs your insurance coverage in case of an accident. Protect your investment by keeping your appraisal updated and always inform your insurance company of any changes. If you are looking for high quality classic car insurance coverage in Woodstock, GA, Peter Laczko Insurance Inc. can help you get the coverage you need. Call or stop by for more information about insurance products.

In Woodstock, GA: Does RV Insurance Cover the Theft of Items From Your RV?

Whether you live in Woodstock, GA or any of the nearby communities, the agents of Peter Laczko Insurance Inc. are available to help you learn the details about insuring your RV and making the most of your experience. Buying an RV is a major investment and can be quite rewarding if you are properly insured and able to protect yourself from financial loss. Many people who own RVs choose to live in them for a short amount of time each year. This means protecting your RV in much the same way as  your home.

Most RV insurance policies are designed to cover the same, main points as your other vehicles’ insurance policies, including collision, property damage, and personal injury liability. If you want to be fully protected, you will need to upgrade your policy to a comprehensive, full-coverage policy that covers everything from damage caused by fires and storms to theft and burglar. This will ensure that any damage caused by the vandals is prepared, as well as replacing any personal items that were stolen.

The agents of Peter Laczko Insurance Inc. serve the Woodstock, GA area and look forward to working with their clients. With their years of knowledge and experience, they can make sure you remain fully covered at all times and you are able to enjoy your RV experience no matter where you travel to. Our agents can write policies for small or large-sized RVs. If you live in your RV a few months out of the year, we will be able to make sure that your home away from home is just as secure as your primary residence.

What Happens If Your Boat is Damaged in a Hurricane and Also Causes Property Damage?

Boat owners know they need insurance to protect their boat and its passengers when it is out on the water. However, not all boat owners are aware of all the risks that come from a hurricane. Hurricanes not only can destroy boats that are docked, they can move a boat to destroy other property as well. It is important to make sure you have adequate coverage for the special risks caused by hurricanes.

When your boat is moored to a pier or dock and hurricane winds or a high tide comes up, suddenly the risk of damage can be very high.  You do not have to only worry about your boat in such weather, you also have to worry about what happens if your boat breaks free and causes property damage when it is suddenly let loose in an out of control condition.

Boat owners are responsible for property damages caused when a boat breaks free from its moorings and careens out of control. This is why it is important to make sure you have adequate insurance coverage. If a boat comes free from its moorings and floats inland to crash through the window pane glass of a beautiful home, destroying the living room; the boat owner has liability for the damages.

It is always a good idea for boat owners to consider all of the risks about what might happen in a major storm and have as much protection with boat insurance as possible to cover all the contingencies.

The old adage "Better to be safe than sorry," applies to boat insurance as well. This means having adequate coverage for boat insurance considers all the possible things that can go wrong and covers as much as possible. This is the wise way to deal with this issue.

Contact your agent at Peter Laczko Insurance Inc. in Woodstock, GA for boat insurance right now, before hurricane season starts.

How Motorcyclists Could Benefit from Roadside Assistance

Motorcyclists are just like drivers when it comes to insurance. They need a policy that protects them and other motorists on the road. At Peter Laczko Insurance Inc., serving Woodstock, GA and the surrounding area, you’re able to get a customized policy that suits your needs. Bike owners are even able to opt for roadside assistance that can help in the event something happens to your motorcycle.  

1. Motorcycle May Break Down

Whether you routinely maintenance your bike or not, it’s possible it will break down. This is especially the case if your bike is older. You could find yourself stuck alongside the road with a broke down bike and no way to get home. With roadside assistance, you might be able to get back up and running and on your way, if something happens to your bike.  

2. Accidents Happen

You might get into an accident while you’re riding. It could entail another motorized vehicle or just your motorcycle. If it’s just your bike and not a major accident, no emergency responders will show up. Roadside assistance will respond to you and quickly. They might be able to repair your bike enough that you can make it home and take it into the shop. If need be, they’re able to tow your bike to get it fixed.  

3. Expense to Tow Your Bike 

Keep in mind, if we can fix your motorized device on site, you won’t have to pay for the expense to tow your bike. You won’t have to try to find a ride home either, which can cost you. Plus, finding a way home can be stressful.  

Find a bike insurance policy with roadside assistance that’s tailored to your needs by contacting Peter Laczko Insurance Inc., serving Woodstock, GA and the surrounding area, by calling 678-833-2860 today. 

What Happens if I Move?

Anxious. Excited. Overwhelmed. All of these are emotions we might feel as we prepare to move. When we find out we are going to move we may have anxiety over what’s to come. Not knowing what will happen once we move can be hard to deal with. It can also be exciting as we anticipate about our future in a new place. As we get ready to leave our old familiar settings our to-do lists get longer and longer and we get overwhelmed. We may remember about that renters insurance policy at the last minute and wonder if it will still be valid once we move or what to do. Peter Laczko Insurance Inc. wants to help by providing some information so you can cross this task off of your list.

Will My Policy Still be Valid if I Move?

The same rules apply whether you are moving to a new home in Woodstock, GA or somewhere in the state. A lot of times your policy can travel with you if you stay within the state, but it may not if you move out of state or abroad. Every policy is different so it is best to check with your carrier. 

What Should I Do If I am Going to Move?

When you find out you are moving you should notify your insurance company and give them your new address. When you call about your renters insurance, make sure to get confirmation of the change. If they don’t tell you how it will come make sure to ask.  Before you hang up ask for a reference number and the name of the representative you talked to. Peter Laczko Insurance Inc. wants you to be well prepared as you get ready to move to a new place in Woodstock, GA or somewhere else.   

3 Things You Should Know About Commercial Insurance in Woodstock

A business in Woodstock, GA needs more than just great employees and fabulous service and products. Owners who take the time to get the best possible commercial insurance are the owners who can survive the unexpected. And make no mistake, the unexpected can happen to anyone at anytime. From storms to injuries to just plain bad luck, there are so many things that can happen to a company that could never be prevented. Instead of fearing it, Peter Laczko Insurance Inc. wants to help you be more prepared. 

Your Business Is Unique 

Commercial insurance can be customized to the specific threats of your business. For example, a strictly online retailer will have very different protection needs than a typical retail store will. 

You Need to Protect Your Income 

Insurance doesn’t just cover the repairs or replacements of damaged property or products. It also replaces the income that you would have made had your doors been able to stay open. For example, if it takes several weeks to repair your plumbing system after a major storm, you won’t have to worry about how much income you’ve lost. 

Cyber Crime Is Very Real 

Small businesses are extremely likely to be attacked either through hacking or through social phishing. Most owners don’t have security systems that can fend off the most advanced cyber criminals, so it’s extremely important to have protection against it.

Peter Laczko Insurance Inc. has been helping the owners of Woodstock, GA get the coverage they need when it comes to the right commercial insurance policy. We learn everything we can about what you do first. Give us a call if you’re looking to layer your protection, or if you’re just starting out with a new business.