en you own an automobile, you must carry auto insurance according to state law. Auto insurance is essential to protecting yours and other drivers investment. Each states laws will vary on the amount of coverage that they will require you to have but make no mistake, every state requires you to have automobile insurance for you to operate a vehicle on the roads legally. If you are caught driving without insurance in Louisiana, you can your license plates canceled,  registration suspended, your automobile impounded and likely pay a fine of $500 or more, not to mention the fees to have your registration reinstate. Tickets for these violations, if not paid, can turn into warrants that can land you in jail.

If you get more than one ticket for lack of insurance, the state where you reside can  and usually will suspend your license for a state law provided period. When they do give you your license back, you'll usually incur additional fees for the next three years to keep your license.  States are taking the uninsured driver problem  increasingly more serious due to the number of individuals driving without it and wrecking into other motorists. The problem is such that many insured drivers are forced to carry uninsured motorist coverage on their policy. This type of coverage will cover damages caused by someone who doesn’t have insurance.  Essentially forcing a responsible driver to cover irresponsible citizens choice through increased premiums.
 
Finding affordable auto insurance Louisiana is easy as long as you do your homework and research the companies that offer insurance. You will see many advertisements from auto insurance companies in Louisiana and some of them will advertise extremely low prices.  While the lowest premiums possible may sound good at first, you may find that these companies are unethical, taking your money every month, but when you attempt to file a claim, they deny it leaving you in responsible for the damages.
 
The government closely monitors auto insurance companies in Louisiana, so before you switch insurance companies, you might want to check and see if there are any complaints against the company. Also, be aware that most of these companies that advertise low priced insurance are quoting only liability coverage. If you are still making payments to a finance company on your vehicle, then you must have full coverage to satisfy your finance requirements and terms of your loan agreement.  Full coverage insures that the vehicle will be properly restored to working condition, allowing you to make it to work so you can continue paying the finance company. 
 
It’s always a good idea to choose an insurance company that has been in business for many years and is one of the five major auto insurance providers. Your insurance company should offer twenty-four-hour customer service, a fully functional and interactive website and reputable claims adjusters.
 
Having the right coverage when an accident occurs could make or break you. If you don’t have the right insurance coverage and you are involved in an accident, then you could find yourself in a really bad financial situation with no car and unable to get to work. Things can go downhill very quickly in a situation like this, so it’s well worth your time, effort and money to make sure that you have the right automobile coverage.
 
If you own a business, then you will definitely want to consider the benefits of commercial auto or truck insurance.  Ac ommercial auto insurance Louisiana quote will take just take a few minutes of your time to complete, but once completed, you will have appropriate coverage for your company vehicles. Commercial truck insurance is important to have so that you can protect your business and ensure it remains in business for many years to come. 

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​Organizations use commercial utility trailers to transport machinery and equipment, as well as goods and supplies to different places. Commercial trailers that are used specifically for business must have valid registration and insurance with the state motor vehicle department. Remember, different states have different insurance requirements.

What does the trailer insurance include?

In many situations, the liability insurance from commercial auto insurance cover extends to trucks and trailers. However, there are limits to this policy, and it may not be sufficient to protect your business. The trailer insurance aims at protecting you against losses caused by different risks.

Normally commercial auto insurance coverage does not indemnify the trailer itself in case of a loss. So, if your trailer is involved in a gruesome accident, the damage may not be compensated. But commercial trailer insurance can protect you in this, including other risk factors such as vandalism, theft, or fire.

In certain situations, especially for specialized trailers, it could be costly to replace a trailer than replacing a van or truck. Thus, trailer insurance is imperative for business owners in this line of business.

How much does Commercial Trailer Insurance Cost?

Insurance costs for trailers tend to vary based on the kind of trailer in question and its value. Driving records of those behind the wheel and claims history, also play a crucial role in calculating premiums to be paid. However, getting a quote is easy; you only need to contact a reliable commercial trailer insurer to get started.

Benefits of having commercial truck insurance:

Tax
 
This type of insurance is a tax-write off. Remember, commercial truck insurance is a business expense; everything about it involves spending money, from the trailer upkeep to purchasing gasoline. Think about the savings your business will benefit while working safely on the road with this insurance.

Security

Another notable benefit of this type of insurance is the protection for the employees. Trucking Companies already have a lot to be worried about, and if you can solve one major issue, such as ensuring the safety and care of your drivers, you must do so. Commercial truck insurance ensures the driver and other designated users have medical coverage in case of an accident. 

Protecting Property

Equipment used in commercial trucking is expensive, not to mention the cargo. It is extremely important to protect company and client assets, including trailers, trucks, and cargo.  Damage caused by a commercial trailer accident can be devastating to a small business. You could be responsible for replacement goods or need to refund your clients for purchases that fell through as a result of the accident.  This can be made possible without affecting the operating capital of your business by purchasing commercial trailer insurance.

Savings

The last and the most important advantage could be savings you can make as a company and a business owner. Typically, businesses associate commercial trailer insurance policies with high rates, and sometimes this can’t be avoided, but shopping your insurance with a multi-line carrier could prove a profitable phone call.   Kelly Lee Insurance works with over 50 independent carriers to ensure his business clients get the coverage they need at the best rates available.

It Protects the Image of Your Business

How people see your business can determine your business success in the future. If you have a positive brand, it is easy to convince potential customers to do business with you. But, if your company does not pay for liabilities caused by accidents, it can become challenging to find  new clients and customers.

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Roofing can be a competitive and rewarding field, and years of hard work can help contractors establish a strong customer base and reputation. Roofing contractors invest their expertise, time and energy to build or repair roofs that will stand the test of time. However, owning a roofing contractor business can be physically and mentally demanding, and it’s a constant challenge to deliver exceptional service while maintaining profitability and reducing commercial liability.

These challenges are magnified when you consider that risks related to property damage, equipment breakdowns, environmental factors, while inland marine and crime must also be addressed.  The list below is an overview of these risks and more—helping you identify potential blind spots in your risk management and insurance programs.

While most incidents that occur on a customer’s property would be covered under a general liability policy, property exposures are still present at the contractor’s office and workshop. Exposures can come from malfunctioning electrical equipment, flammable materials, weather and natural disasters. Fire damage may be a particular concern if the contractor stores roofing materials or heats bitumen on the premises.

No matter how cautious your employees are, accidents can and do happen. These accidents create a significant bodily injury exposure. Slips, trips and falls are common hazards in roofing operations. What’s more, because roofers work at heights with tools, people below are at risk of injury from falling objects. In the event of bodily injury to an employee, client or third party, a roofing contractor could be forced to pay for medical costs, emergency care, doctor's visits and legal expenses.

The vast majority of roofing contractors depend on employees to operate vehicles for the company, this creates automobile exposures in the process.  Needed for daily operations (i.e. driving from project to project or transporting tools), the use of a vehicle can lead to accidents and significant insurance claims. Additionally, if you allow employees to use their own vehicles for work, standard commercial auto policies are often not enough.

Once a job has been completed, roofing contractors can be held liable if their work product causes bodily injury or property damage. While claims of smaller problems can often be resolved with a repair, larger issues may result in legal action. Completed operations coverage can help protect a contractor in the event of such a claim.

Roofing contractors depend on a variety of different equipment to complete work on a roof, potentially creating significant equipment breakdown exposures as a result. Moreover, roofing contractors can experience business interruptions or even lose contracts as a result of an equipment breakdown. 

Roofing contractors regularly transport equipment, tools and supplies to and from worksites. As such, any property that is unique and valuable in transit, in your short term care, stored at determined (but movable) locations or used to transfer information represents inland marine exposures. Materials and tools can be damaged in transit from shifting loads or traffic collisions; at the worksite from collision, being dropped or poor weather conditions; or lost from theft, potentially creating costly losses.

The disposal of old roofing materials, waste bitumen and other hazardous materials presents potential environmental liabilities, as these materials can create pollution. Environmental incidents are particularly concerning because they can cause harm to the community,
and often involve costly cleanup and cause damage to a business’s reputation.

Continuity is critical for any business, and there are few things more important than continuous revenue and a steady cash flow. A single business interruption can be costly for roofing contractors and may even lead to serious reputation damage or long-term closures. Common interruptions for roofing contractors stem from natural disasters, fires, equipment breakdown and loss of materials.

Roofing contractors face several crime exposures, particularly if valuable equipment or tools are left unattended at the work-site, which may attract thieves or vandals. Thieves (including your employees) can rob an office or work-site at any time, targeting cash or valuable supplies. What’s more, with work-site locations changing on a regular basis, the level of risk a roofing contractor faces is in constant flux.

When an employee is injured on the job, your organization could be subjected to expensive workers’ compensation claims. Common sources of on-the-job accidents for roofing contractors include falls from heights (e.g., roofs and scaffolds), heat stress, injuries related to equipment use, slips, trips, falls and musculoskeletal injuries caused by repetitive tasks. Normal, everyday tasks related to laying shingles or climbing ladders can lead to accidents and, in turn, increased costs for your business.
For More Information

While the proper risk management practices can reduce certain exposures, no system is 100% effective in ensuring an incident-free workplace. As a result, it’s all the more crucial to work with a qualified insurance broker to not only assess you exposures, but secure the appropriate coverage as well. To learn more, contact TWFG Insurance - Kelly Lee LLC today.

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The who, why and when of vaccines. 

704 cases of measles, in 22 states have been confirmed in the United States since January 1st, 2019, This is the largest number of cases reported in then U.S.since measles was declared eliminated in 2000.  With measles in the spotlight and on the rise, we thought we would share the following information from the CDC with our followers.

Kelly Lee Insurance | Our Policy is Caring! | (337) 656-2890