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Why Umbrella Insurance Is Especially Useful for Dog Owners

Posted on by agentinsure

Your furry friend brings joy to your family, but as a responsible dog owner, you need to consider the potential liability risks that come with pet ownership. Even well-behaved dogs can react unpredictably in certain situations, and when incidents occur, the financial consequences can be devastating. Anchor Insurance Agency LLP in Plymouth, MN helps dog owners understand how umbrella insurance provides crucial protection beyond standard homeowners coverage.

Dog Bite Statistics Are Sobering

The average dog bite claim costs around $50,000, with some cases reaching hundreds of thousands of dollars. These incidents can happen anywhere, whether at your home, during walks, or when friends are watching your pet. Your homeowners’ insurance typically covers dog-related incidents, but most policies have liability limits between $100,000 and $500,000. When medical bills, plastic surgery, lost wages, and legal fees add up, these limits can be quickly exhausted.

Liability Risks Beyond Bite Incidents

Dogs can cause liability issues in other ways, too. Your energetic pup might knock down an elderly neighbor, chase a cyclist into traffic, or cause someone to trip while avoiding them. If your dog damages someone else’s property or causes an accident, you could be held responsible. These scenarios often result in claims that exceed typical homeowners’ policy limits.

Comprehensive Protection for Dog Owners

Umbrella insurance typically provides an additional $1 million to $5 million in liability coverage, offering protection when your primary insurance isn’t enough. The cost is relatively modest compared to the potential financial exposure you face as a dog owner.

Don’t let your love for your pet put your financial future at risk. Contact Anchor Insurance Agency LLP in Plymouth, MN today to learn how umbrella insurance can protect you from unexpected costs while letting you enjoy life with your four-legged companion.

What You Need to Know Before a Summer Road Trip

Posted on by agentinsure

With summer just around the corner, many families and friend groups may be planning a road trip. Remember, as the song says, "It’s a long way down the holiday road." If you take the time to plan ahead and be ready for anything, the journey may be long, but not necessarily difficult. Whether you’re driving a family SUV or a compact car, there are things you need to do before hitting the road.

Inspect Your Car

The first thing you want to check before a long summer trip is your AC to ensure it’s working properly. Check your engine oil level and change it if it is dark brown or black. Your coolant, brake, and steering fluid also need to be checked. Inspect your tires to ensure they’re roadworthy. Check your brake pads; the last thing you want is for them to fail on the road. While you might hope you won’t need your wipers, ensure they work. Many modern cars have electrical parts, so ensure they’re all functioning. Once your vehicle is in order, make sure you have all the valid documents, plan your route, decide who will handle navigation duties, prepare an emergency kit, and keep an eye on weather conditions.

Contact Anchor Insurance Agency LLP in Plymouth, MN

If you live in Plymouth, MN, and need auto insurance, please contact Anchor Insurance Agency LLP. We are happy to help.

Commercial Insurance Protects Employees and Customers

Posted on by agentinsure

If you have a business or plan on starting one, one of the most important aspects you’ll need to consider is protecting yourself, your company, your employees, and your customers. You can do that with a commercial insurance policy, and if you’re in the Plymouth, MN area, Anchor Insurance Agency LLP can help. Our trusted agents know how important it is for your business to have adequate levels of protection to ensure you can keep operating and growing your business for the long term.

A commercial policy is the right choice for the type and level of protection you need, giving you security and peace of mind. Your employees will know they have protection and support if they’re injured on the job, and customers who come into your business can also feel safe. Additionally, you’ll have coverage for your company if a customer gets hurt while they’re on your property. You don’t want to operate a business without ensuring you have solid protection to keep everyone around you secure.

Of course, a commercial policy is about more than just employees and customers. You also want to protect yourself from natural disasters and random issues that could cause damage to your equipment, inventory, or other aspects of your company. There’s no reason to spend time worrying about that when you have the right coverage for all your company’s needs.

If you’re in the Plymouth, MN area and need a commercial insurance policy, contact us at Anchor Insurance Agency LLP today. We can help you get the right commercial insurance for your business based on your work and other factors. Then, you can feel confident that you’ll be protected when you need it most.

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