As a small business owner, it’s imperative you have commercial insurance coverage to protect your investment. You never know when an accident will occur that can result in you being liable for injuries, property damage or loss of inventory. The following coverage is a must for small business owners in Georgia.

Property Insurance

Property insurance covers loss or damage of your business property such as furniture, inventory, equipment, etc. due to fire, theft or storms. This coverage protects you from having to pay for these expenses on your own. By discussing coverage options with one of our agents at Peter Laczko Insurance Inc. you can learn more about how to protect your property.  

Liability Insurance

If your small business receives customers, you’ll need liability insurance. Liability coverage pays for medical expenses of visitors who accidentally get injured on your business property. Liability coverage will also protect your business from charges of negligence or mistakes made by employees that cause customers harm. If you manufacture or sell a product, product liability insurance will protect you from lawsuits in the event a defective product causes damage or harm.

Workers’ Comp Insurance

Worker’s compensation insurance is essential to protect your employees in the event of an accident. Whether you have several employees or a dozen, you shouldn’t neglect this valuable coverage. Worker’s comp covers medical expenses for injuries your workers sustain on the job as well as disability and/or death benefits if the accident results in serious injury or a worker’s demise.   

Commercial insurance will protect your business assets so you can use your finances to grow your company. At Peter Laczko Insurance  Inc. we can help you acquire the commercial insurance coverage best suited for your small business. Contact us today for all your business insurance needs.

Warm weather is here and many are anxious to get their boats back out on the water and enjoy fun in the sun!  Before planning the first big outing, an afternoon spent checking the boat and taking safety precautions will ensure that a day spent on the water is a successful one.

• Make sure there is a fire extinguisher on board and it is in working order and charged.
• Ensure there are an adequate number of life jackets on the boat and the sizes are appropriate for both children and adults. Check the life jackets to make sure all straps are not weathered and latching correctly.
• Check the battery to ensure that it is charged and not weak. 
• Make sure all electronics on-board, navigation lights, and cabin lights are in working order.  
• Check the fuel lines and all cables to make sure there has been no corrosion or cracks have occurred over the winter months.
• Perform both a fuel and oil change and replace the filters for both.
• Clean the overall boat with a mild cleaner and then wax.  Make sure to remember to clean and make sure all windows are clear.

Before the first big outing, do a short test run to ensure that the boat is running at optimal performance.  By doing this, it gives peace of mind for when joining all other boats out on the water. 

Having the proper insurance and coverage for your boat is another safety component to boating that will give you peace of mind.  Call Peter Laczko Insurance Inc. toll free at 888-883-1650 or visit our website at http://www.insureyourtoy.com/ to learn about the different types of boating insurance we offer and how we can best serve your needs.

Independent insurance agents make a significant impact on clients because they have access to a wealth of information that other companies do not. They are well-trained professionals that are versed in the language of insurance policies and procedures. The agents can give you an unbiased direction with the type of coverage you may need. Independent agents have the ability to search through dozens, if not hundreds of insurance company records and locate several options that will fit your needs. For example, if you are in need of auto insurance for your recreational vehicle, the independent agents can research the type of insurance through many different companies and accumulate options for you to choose. With this method, it may be less expensive than to use a captive agent who will sell you a policy through his or her employer. Captive agents have available to them only their employers coverage and will not be able to give you the best possible selection. Independent agents will also be able to help you process claims and review policy protocols and procedures in case of an accident or injury.

Peter Laczko Insurance Inc. is an independent insurance agency in Woodstock, Georgia. The agency offers a wide selection of insurance options, including commercial, auto, home, boat, RV, and specialty insurance policies. Because the agency is independent, they are not obligated to one company. The agency is dedicated to helping customers develop and attain the perfect plan for their needs.

Take advantage of the independent insurance agents at Peter Laczko Insurance Inc. because they will offer you the information you will need to make an informed decision about your insurance coverage.

Lebanon, Georgia is a great place to live. Your pets probably enjoy living there, too. During the summer, it can heat up, and that means in order to keep your pets enjoying where they live, you want to focus on some safety tips.

One of the biggest tips out there is to never leave your pet inside of a parked car. As dogs pant, all of the hot air stays trapped inside the vehicle, and this can cause even more health problems. If you are going anywhere, it’s best to take your dog with you, or keep someone in the car with your dog so that the engine can continue to run.

You also want to make sure that your pets have constant access to water. Many dogs and cats will dehydrate during the summer because the temperatures are considerably hotter than they are throughout the rest of the year. You want to keep water available when they are inside, outside, and when traveling alongside of you.

Concrete and pavement can get very hot, and the paws of your pets are very sensitive. Purchase booties or adhesive paw pads to provide better protection as they walk along the concrete.

There are more bugs during the summer than any other season, and this means more fleas and ticks threatening your pet. Mosquitoes also transmit heartworm, which is a major pet killer. Make a trip to your vet in order to talk about preventative medication and get your pets on them immediately.

There are plenty of ways to enjoy the summer, but you need to practice safety with your pets at all times.

Call now and insurance agents at Peter Laczko Insurance Inc. can help you find a policy that makes sense for you, your family, your pets, and your budget.

 

After you purchase your first motorcycle it is understandably hard to avoid the urge to take off on a weekend long trip across Cherokee County. But before you head out for a bit of freedom on the open road, it is a good idea to go over some safety basics to help make sure the road is a safer place for everyone.

Put Safety First While Operating Your Motorcycle

When it comes to protection, nothing will have you and your bike covered better than comprehensive and affordable motorcycle insurance from your local independent insurance agents at Peter Laczko Insurance Inc. Nobody knows Georgia motorcyclists better than out team of experienced independent agents. We make it easy to compare quotes from multiple national providers to find the right level of coverage to meet your needs and your budget.

After you find the right motorcycle policy to fit your needs it is important to take a rider’s course to ensure you’ll be able to handle your bike in any situation. Motorcycle safety courses are designed to help novice riders tackle the basics of motorcycle riding and handling in a fun and interactive environment. In some cases, once you have completed a motorcycle safety course your insurance provider may lower your premiums. 

Next, make sure you are riding with the proper gear. This means taking time to research the best in helmets, gloves, jackets, and riding boots. Keeping comfort in mind, consider purchasing a helmet that has been certified by the Department of Transportation. 

Start Comparing Quotes Today

Get the most out of your motorcycle insurance when you shop for coverage online with Peter Laczko Insurance Inc. Don’t get caught without the right level of coverage when you need it the most! Visit us today to start comparing quotes from top national providers online in just minutes.

There are many reasons why doing business locally in Canton, Georgia is important. When you conduct business locally you are helping our independent businesses. Taxes go to help improve our infrastructure and schools in the Cherokee County School District. You are supporting your neighbors and helping provide employment in the Canton area. There are ramifications to doing business locally and all of them are good.

Conducting business locally is not only important from a consumer standpoint, but for businesses as well. Business to business activity is every bit as important as encouraging local customers.

If you are comparing rates for commercial insurance, there are some additional good reasons to check locally. A local commercial insurance broker can help you better understand your coverage and make suggestions to fill in any gaps. They are more available for questions and in assisting with claims. They view protection as a whole as opposed to separate policies. They also understand the Canton area and its people and business needs. When you work with an independent insurance agency in Canton, the benefits continue to add up. Independent agents are not tied to a single insurance company. They are free to represent the products and services of multiple companies, finding the best coverage at the best price. In this instance, shopping locally for commercial insurance can actually save you money.

We invite you to contact us and compare. If you are interested in comparing auto or homeowners insurance you can do it from the convenience of any internet connection. We offer comparative quotes online from our website. We will quickly go to work in saving you money.

Individuals and businesses alike can make a positive impact in Canton by conducting more business locally. We encourage you to join us in doing so.

Georgia is home to multi-international companies, small home-based businesses and everything in between. If you are a business owner you have a common need for commercial insurance with other business owners in the state. It’s time to make that commercial insurance easier to understand.

Let’s put commercial or business insurance into broad categories to better understand how it works.

Product Liability – This protects manufacturers from claims against them as the result of injuries or damage from a product they created. Unless you are producing a product, this would not apply to you.

Professional Liability – Professionals who provide services may need this coverage. It covers what are referred to as “errors and omissions”. These can include malpractice and negligence and is valuable for professionals like doctors and financial advisors.

General Liability – Most businesses can use some form of general liability. It can protect against injuries occurring at your business but can also cover issues like slander and legal costs associated with a lawsuit.

Property – Commercial property insurance comes in Basic Form, which spells out the coverage, and Special Form, which covers general perils and then specifically spells out what it does not cover.

Home-Based Business Insurance – You shouldn’t count on homeowners insurance to cover a home-based business. You may need separate small business coverage or inquire if you can get a rider on your homeowners policy.

If you have questions, please feel free to contact us at Peter Laczko Insurance. We can help you better understand the difference between business insurance coverage and may even be able to save you money.

Visit our website to get a comparative quote on your homeowners or auto insurance from our website. When you see the savings, we hope you will ask us to quote your commercial insurance. We look forward to serving you.

Boat Insurance – Woodstock, GA

Woodstock is a small family town with two sections – Towne Lake and Historic Downtown. We’re lucky to have a bustling downtown, where there is something to do nearly every day/night of the week.

Us boat lovers spend a good deal of time at Victoria Harbour Marina gearing up for a fun filled day of boating on Lake Allatoona. There are 15 boat ramps throughout the lake area where you can stop to have a picnic, and enjoy other activities.

One of the biggest causes of property damage to your boat can come when you hit the boat ramp also known as a slipaway or a launch. It can be hard to judge the right angle to pull your boat in a spot near the dock especially for new boaters.

Does my Homeowners Insurance Cover my Boat?

Several homeowners’ insurance policies include decent coverage for small boats and boat motors. A homeowner’s rider is normally suitable for these boats. In addition, the majority of homeowner’s insurance riders only apply to the use of the boat in lakes, inland waterways, and rivers. Boat rider coverage rarely covers boats along the beach or outside of a coastal inlet.

Boat Insurance

It is always a good idea to purchase separate boat insurance. For extra protection, you can still include the boat rider in your homeowner insurance policy; you can never have too much insurance.

Of the three common types of boat insurance you’re going to want to purchase the most amount of insurance for property damage. Property damage insurance covers damage to the boat. If you hit the dock and your boat is damaged, your insurance may pay to have the boat repaired.

You may be amazed at how much damage can be done if your boat were to hit a boat ramp. The damage can a lot be more extensive than an ugly scratch.

It’s easy to find the best coverage for your budget by comparing insurance quotes with Peter Laczko Insurance online in minutes.

If you live in the Woodstock, GA region and own a motorcycle, then you know the importance of protecting your bike with a motorcycle insurance policy. An insurance policy is a product that is designed to provide you the coverage you need to cover the cost of repairing damage to your bike. In order for you to get the best policy for your money, you will need to know how to compare your current policy with a new one.

How You Can Compare Your Policy with a New Policy

• The first thing that you will want to take a look at is the liability limits. This protection pays for the damages to the other person’s vehicle and injuries in the event you are found at-fault in an accident. Make sure the levels are the same when comparing insurance products.
• If your current policy has a helmet discount, then you will want to make sure that the new policy has the same discounts. Talk with your agent if you find that certain discounts are missing from your policy.
• You will also want to compare the deductibles of both policies. If one deductible is lower than another, then there can be a large difference between the costs of the two policies.

There are a lot of things that go into making an effective motorcycle insurance policy. Your local agents can help determine the class and type of bike that you ride so your policy fits your insurance needs. Call us today and give us the opportunity to provide you with the information you need to make an informed decision regarding your insurance needs.

When you are looking for RV coverage in Canton, GA, you must consider the possibility that your needs will differ significantly for an RV when compared to a car. The reason is that an RV has different needs and more comprehensive risks that are not necessarily related to the use of the asset as a vehicle.

Vehicle Coverage

In general, cars and RVs will have similar needs when it relates to the use of the asset as a vehicle. An RV will need liability protection and basic coverage for common risks associated with driving. It may also be useful to purchase a collision policy to protect against crashes.

The differences primarily relate to the size of the vehicle and the possible risks that are associated with the size. An RV may need more liability protection when compared to other vehicles due to the risk of severe damage if you cause an accident.

Additional Coverage

Unlike a car, a RV may be used as a temporary or permanent home. An auto policy will have gaps in the coverage because the concerns of a homeowner are very different from the concerns of a car. When you invite guests into your RV, you want the liability protection to ensure that you can handle any accidents that arise. The same is true if personal items are stolen from your RV because it is more likely to have expensive items.

A RV is not the same as a car. You have more comprehensive needs, particularly in relation to a camping trip or staying in the vehicle for any length of time. To learn more about protecting your RV or finding the most appropriate RV coverage, contact us to talk to an agent today.