Commercial liability insurance is not a requirement for people living in the state of Georgia, although many company owners will decide to purchase a policy for the protection that it provides. Along this vein, commercial crime insurance is also not mandatory, but it is, nonetheless, beneficial.

What Does Commercial Crime Insurance Cover?

It is an unfortunate reality that when a person goes into business for him or herself, the employees that they hire may not always be trustworthy. If, for example, a staffer provides monies to a vendor with whom you have not previously engaged and employee theft is included under your coverage,  it can take care of these costs. In addition, it can pay for losses when important documents are destroyed or if monies are stolen while on your way to deposit them into the bank. 

Your policy can extend to cover not just you but also your employees while they are working with articles pertaining to your company. It can also cover things like bad checks received from merchants or clients, and it can kick in if your own checks end up in the wrong hands, spurring a rash of fraudulent drafts. In today’s world, computer security is an issue, and hackers are always attempting to break into systems to see what they can steal. From lifting customer addresses and telephone numbers to credit card accounts, the ways are myriad in which criminals can target you, and crime insurance helps you in many of these instances.

Peter Laczko Insurance Inc. Serves Woodstock GA

Whatever your commercial insurance needs are, Peter Laczko Insurance Inc. has the right package for you. Faithfully serving Woodstock, GA, we offer a variety of products that include motorcycle, jet ski, boat, homeowners, automobile, and commercial insurance. Reach out to us today to ask any questions you may have about any of the services we offer. 

If you aren’t going to be riding your motorcycle year-round in Woodstock, GA, you may be considering canceling your insurance to save money. Motorcycle insurance is required when you are driving on the road, but technically you don’t need it if you aren’t riding your bike. Canceling your insurance may cost you though, and there are other ways to save.

If your bike is in storage and you don’t have insurance, you have to fight the urge to go out for a ride, even if the weather is great. If you are out without insurance, you could be faced with some costly penalties, and if you cause an accident it can be even worse.

Even with your bike in storage, it still faces some risks. Some of the risks include storm damage, vandalism, and fire. Without proper insurance on your bike, and if there is damage that is caused, you would have to pay out of pocket for repairs. How you store your bike could also affect your insurance. Insurance companies look at the possible risk to determine how likely you are to make a claim. If you are keeping your bike in a locked brick building or a garage, then it will help lower your premiums because you are trying to deter thieves and vandals.

Instead of canceling insurance, speak with an agent at Peter Laczko Insurance Inc. to ask about a lay-up policy, which will keep everything but the comprehensive coverage. The comprehensive coverage protects you in the event of vandalism or theft. You could also raise your deductible while your bike is in storage and it will lower your premium. However, if you do need the insurance during this time, make sure you have enough cash on hand to pay for the higher deductible.

Contact Peter Laczko Insurance Inc. serving Woodstock, GA to get a quote on motorcycle insurance.

In Woodstock, GA, the agents of Peter Laczko Insurance Inc. offer several different types of insurance for vehicles and watercraft. Each agent is available to help you understand the rules and regulations that pertain to legally operating a boat or other type of personal watercraft on the state’s waterways. Just like operating a motor vehicle, there are rules of the water that must be followed.

Legal Age

In the state of Georgia, a person must be at least 16 years of age to legally operate a boat or any other type of personal watercraft throughout the state of Georgia. INdividuals between 12 and 15 may also legally operate a watercraft if they have applied for and received a valid boating license. For younger operators, it is strongly recommended that they complete a safe driving boating course that teaches the basics of water safety. 

Proper Identification

Another requirement is that whoever is operating the boat must have a valid driver’s license or other forms of identification. If the person is between the ages of 12 and 15, their valid boating license will serve as their identification. Even adults who operate any type of personal watercraft must have in their possession a valid form of identification with them at all times.

The agents of Peter Laczko Insurance Inc. are always on hand to answer questions about your boating insurance policy. If you live in the Woodstock, GA area, call and talk to one of the agents today. They will be able to provide you with the answers you need and will make sure you have the coverage you need to protect yourself and your family.

When you first buy a motorcycle, the last thing on your mind is getting into an accident.  However, in order to cruise down the highway with the peace of mind that you’re adequately covered, you need to understand what your insurance requirements and options are. Your representative at Peter Laczko Insurance Inc. can walk you through the details of the different types of insurance. Here’s some information to get you started, so you can get your bike on the road in Woodstock, GA.

Required Insurance

Like most states, GA requires you to carry insurance for bodily injury and personal property damage in an accident you cause. However, there are many additional coverage types that you may benefit from. 

Optional Coverages

When shopping for motorcycle insurance in Woodstock GA, consider that liability insurance doesn’t cover you, your bike or your passenger. Here are the types of insurance that you might need, depending on your personal situation.

• Collision insurance pays for repairs to your bike if it’s damaged in an accident.
• Comprehensive coverage pays for repairs to your motorcycle in case of vandalism, theft, fire, or other natural disasters.
• Medical payments cover your injuries after an accident.
• Towing and labor cover you if you’re stranded when your motorcycle breaks down. It provides emergency roadside assistance or towing.
• The uninsured/Underinsured motorist pays for damage and injury caused by an underinsured or uninsured motorist. It protects you if you are in an accident caused by an uninsured motorist.

Contact Us

Contact Peter Laczko Insurance Inc. for more information on purchasing motorcycle insurance or to set up an appointment for a free quote for your motorcycle in Woodstock, GA.

 

There’s no denying that a large percentage of Millennials are living with their parents. In fact, according to certain studies, the rate of young adults choosing to stay in their parents’ homes is higher than it ever has been. If you happen to be one of these young adults, there’s no need to feel alone. What you do need to do, however, is make sure that you are protecting your belongings with insurance just the same as you would if you were living in an apartment or renting a house from a landlord. 

Do I Need Insurance If I Rent From My Parents?

When you live with your parents, you can still speak with an insurance agent about purchasing renters insurance. Many insurance companies will allow you to buy coverage for your personal belongings. All of your parent’s belongings will have to be covered by their own homeowner’s policy. Purchasing renters insurance while living at your parents is especially simple when you have your own entrance to the home and your own living quarters. 

It should be noted that the specifics of a renters insurance policy will vary from one insurance provider to the next, making is very important to speak with an agent to determine exactly what is covered and what is not. If you have chosen to stay in your parents home, regardless of your reasons, you definitely need to speak with an insurance agent to see how renters insurance can be of benefit to you. Even if you are staying there for a limited amount of time to save up for your own home, a renters insurance policy can provide you with peace of mind. 

Contact Peter Laczko Insurance Inc. today to learn more about renters insurance in Woodstock, GA. 

If you are a business owner in the Woodstock, GA area, you will find that there are many important business decisions that need to be made. One very important decision you will have to make is whether or not to get commercial insurance. There are several situations in which having commercial insurance is a necessity.

You Have a Loan

One situation in which you may be required to carry commercial insurance is if you have a business loan. Taking out a business loan and be a very good financial decision for many business owners. However, when you do have a business loan, you will be required to carry commercial insurance and name the lender as an additional insured party. 

When You Have Employees

Another situation in which having commercial insurance is a necessity for your business is if you employ people. In the state of Georgia, all companies that have more than three regular employees are required to carry workers compensation coverage. This type of insurance will help to ensure that your employees are properly covered in the event they are injured while working.

Operate Out of a Property

If you operate out of a property, you also need to carry property insurance as a form of commercial insurance. Even if you are the tenant on the property, you will likely be required under the lease to carry coverage on the building. This will provide you with protection if the building is damaged.

If you are a business owner in the Woodstock, GA area, you should contact Peter Laczko Insurance Inc. When you meet with Peter Laczko Insurance Inc, you can receive more information about your needs for commercial insurance. The company will help to make sure that you get a policy that provides you with the right type and level of coverage.