Ken Boldt Insurance Agency II, Inc.

2205 Greensburg Rd
Green, OH 44720

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The Benefits of Commercial Insurance for Employers with Independent Contractors

If you are an employer who hires independent contractors, you may be wondering if commercial insurance is necessary for your business. While the answer to this question can be complex, the short answer is yes. Ken Boldt Insurance Agency II Inc. explains.

Why Is Commercial Insurance Necessary? 

Commercial insurance helps protect employers from numerous risks associated with hiring independent contractors in Green, OH. These policies help cover medical expenses in case of an accident or injury on the job, as well as legal expenses if an employee files a lawsuit against the company.

Additionally, these policies can also provide coverage in cases where an independent contractor fails to complete their contracted work or materials they provided have caused damage or losses to your business. 

What Kinds Of Coverage Do I Need? 

The type of coverage you need will depend on the scope of work performed by your independent contractors. For instance, general liability policies are good for covering any damages incurred by third parties while doing business with you (slips & falls on the premises, etc.)

Worker’s compensation policies provide benefits to employees who sustain an injury at work; this includes both traditional employees and independent contractors. Professional liability policies offer protection from financial loss due to errors in services provided by employees or independent contractors.

Give Us A Call

If you are an employer in Green, OH who hires independent contractors, then it is essential that you obtain adequate commercial insurance coverage. This is to protect yourself from potential liabilities and losses resulting from work-related activities. Contact Ken Boldt Insurance Agency II Inc. today so that we can help you get the right coverage for your business.

Should I Insure My Home After It’s Paid Off?

It is not required for Green, OH residents to procure homeowners insurance, but most lenders will compel you to as long as there is an outstanding balance.

For those whose houses are paid for, there are benefits to continuing to insure your property:

Homes can be subject to sudden malfunctions that necessitate costly repairs. Even weather events, such as lightning strikes or high winds, can wreak havoc that can otherwise set you back financially.

Potential situations like house fires can render your home a total loss, leaving you with nowhere to go. Some types of indemnification help cover your hotel stay. Your knowledgeable Ken Boldt Insurance Agency II Inc. agent can go over specific scenarios that would be included in your coverage. 

Your home and possessions can also be subject to a burglary, and you may own expensive electronics, jewelry, and clothing. Vandals can do damage to your exterior walls, and your indemnification often covers this type of peril. 

You may also have other structures on your land that can be affected by the elements or other hazards. In addition, people can sometimes be hurt on your property through slips or falls, and this can result in medical bills and lost wages. Certain situations can even arise in legal fees, and you can be taken to court. 

Having homeowners insurance can also ensure that real estate agents and buyers will want to partner with you should you sell, as a lack of coverage can put others’ investments at risk. 

Ken Boldt Insurance Agency II Inc. Is Here to Help 

Specializing in various insurance packages, we can put together something to fit your needs. We serve those living in the Green, OH region, and we invite you to reach us by calling, visiting online, or stopping into our office to discuss your options. 

Why is Renters Insurance Important?

There are many types of insurance, including homeowners, care insurance, commercial insurance, etc. Today we are going to talk about renters insurance. There are a percentage of people who think renters insurance is pointless and a waste of money. Our team of insurance experts at Ken Boldt Insurance Agency II Inc in Green, OH beg to differ.

Here is why renters insurance is important to have:

The landlord’s insurance does not cover you

Landlords are required to have their insurance for the property. Many believe that their landlord’s insurance covers them. The landlord’s insurance only covers the structure of the property in the event of a fire or other natural disaster.

Your belongings are protected

You may believe that your stuff is not worth anything, and there is no reason to have renters’ insurance for your belongings. If you look around, you might find that it would take a lot more to replace all the electronics, clothes, furniture, etc. that you have.

Additional living expenses

If something happens to the place that you are renting, your insurance can help cover the costs of hotel rooms or other places, as well as the costs of other living expenses while you are there.

Liability coverage

Contrary to popular belief, renter insurance covers not only your belongings. It also covers you in case someone gets hurt at your home or because of something that you did outside of your home. It covers medical bills because of liability and if someone sues you.

It is sometimes required

Some landlords require you to get renters’ insurance before you even sign the lease.

It is affordable

Some people don’t have renters’ insurance because they think they can’t afford it. Renters’ insurance is cheaper than most people think.

Give Us A Call

Stop by or contact us to get a quote at Ken Boldt Insurance Agency II Inc in Green, OH.

4 Motorhome Insurance Coverage Options to Consider

If you own a motorhome, you want the best insurance coverage that suits your needs. That means a good policy that you can rely on during rainy days. Luckily, many motorhome insurance options exist to provide you with the proper protection for your peace of mind. Ken Boldt Insurance Agency II Inc in Green, OH can help you navigate this important coverage.

Here are some options you can consider while buying motorhome insurance:

Liability coverage

Liability coverage is what most states like Ohio require one to have while riding in their motorhomes. Liability insurance pays for damages caused to others when you are at fault after an accident. For example, medical bills may result after bodily injuries following an accident.

Uninsured and underinsured motorists

The law requires people to have at least liability insurance. Not all people follow the law. If your RV gets hit by someone without insurance, you might be forced to pay for the resulting damage to your RV. Likewise, if an underinsured motorist hits you, the policy may not cover all the damage. However, you don’t have to bear the consequences of underinsured and uninsured coverage.

Comprehensive coverage

You can encounter all sorts of trouble with your pricy motorhome, from falling trees, theft, and vandalism to fire. You can’t tell what will happen outdoors and indoors, which is why comprehensive coverage comes in handy, as it covers most of the things that could happen to your motorhome.

Collision coverage

Collision coverage pays for damage caused to your motorhome resulting from a crash. This policy repairs or replaces your motorhome after a collision.

Get Motorhome Insurance Today

If you want to enjoy your motorhome with peace of mind, consider motorhome insurance from Ken Boldt Insurance Agency II Inc in Green, OH. Contact us today for an affordable quote.

RV Insurance: What You Need To Know

If you’re planning on hitting the open road in an RV, then you need to make sure that you have the proper insurance coverage from Ken Boldt Insurance Agency II Inc. in Green, OH. Here’s what you need to know about RV insurance, from the types of coverage available to how much it will cost you.

There are three main types of RV insurance coverage: liability, collision, and comprehensive

Liability insurance covers damages that you may cause to other people or property while operating your RV. This is the minimum amount of coverage required in most states, and it’s important to make sure that you have this type of coverage in case of an accident. 

Collision insurance covers damages to your RV if you’re involved in an accident with another vehicle. This type of coverage is important if you have a newer or more expensive RV, as it will help to cover the cost of repairs.

Comprehensive insurance covers damages to your RV that are caused by something other than a collision, such as fire, theft, or vandalism. This type of coverage is not required in most states, but it’s a good idea to have if you want to be fully protected against any possible damages. 

The amount of coverage you need will depend on the value of your RV and how much risk you’re willing to take on. For example, if you have a newer and more expensive RV, you’ll probably want to get more comprehensive coverage than someone with an older and less expensive RV. 

The cost of RV insurance varies depending on a number of factors, including the value of your RV, the amount and type of coverage you choose, and where you live. 

Get RV Insurance Today 

RVing is a great way to see the country and spend time with family and friends. However, before you hit the open road, you need to make sure that you have the proper insurance coverage. At Ken Boldt Insurance Agency II Inc. in Green, OH, we can help you find the right RV insurance policy for your needs. Contact us today to get started.

Reasons You Need Motorcycle Insurance

When you first buy a motorcycle, you probably can’t wait to get out on the open road. However, you need to make sure that you have motorcycle insurance. Consult with Ken Boldt Insurance Agency II Inc. in Green, OH to learn more about your options.

Here are some reasons why you need this coverage:

It will cover any damage to another vehicle if you were at fault in an accident

If you hit someone when you are out riding, your insurance will cover any damage that occurs to any of the other vehicles involved. 

It can also cover medical (and legal) expenses

Liability insurance will cover any medical expenses that occur due to the accident. If you end up getting sued, it will help you with your legal expenses also. 

If you damage property in your accident, it would also be covered

There are times when you might hit a fence or a shed during your accident, and you would be liable for the damage. Your insurance will cover those expenses. 

If you get collision and comprehensive insurance, it may also cover the damage to your motorcycle

If your motorcycle is totaled, it will give you money to get your next motorcycle. 

You may also be required to get insurance if you took out financing to purchase your motorcycle

Your lender will want to protect their investment and require you to have insurance. 

You should never ride without insurance. It will cover any damage to another vehicle, property, and even the medical bills of those that are injured in the accident. You may also be required to have insurance from your lender. 

Give Us A Call

If you want to make sure that you and your motorcycle are protected, you should contact us today at Ken Boldt Insurance Agency II Inc. in Green, OH. 

What Are Some Common Mistakes People Make When Buying Boat Insurance?

Choosing the wrong policy or not reading the fine print can lead to some unpleasant surprises when something happens. Many policies have a cancellation clause that goes into effect if the boat is not maintained according to manufacturer recommendations. Others have a provision for declining value if the model is not kept up to date with the latest safety features.

For expert insurance advice, consult with Ken Boldt Insurance Agency II Inc. in Green, OH. 

Common Mistakes & Boat Insurance 

As with any insurance policy, the most common mistake people make when buying boat insurance is failing to shop around and compare quotes from different providers. Boat insurance may seem like a one-size-fits-all product, but there are actually significant differences between policies, even within the same company. Understanding exactly what you need and then researching different providers will help you find the best fit for your situation and save you money as well! 

Not buying enough coverage, not updating the policy when you buy a new boat, or not filing a claim if your boat is damaged are a few common mistakes people make when buying boat insurance. Most insurers will not offer an exact amount for the value of your boat when you apply for a policy. Instead, they will request information about the make and model of your boat, as well as its value when brand new. Ensure you provide all the information the insurer requested to avoid delays in your policy. 

Boats are an investment, and just like any other type of insurance, it pays to do your research. The easiest way to save on boat insurance is to shop around. Many insurers offer an online quote tool, so it’s quick and easy to get a quote for your boat. It’s also important to certify you have the proper boat insurance for your particular boat. Boat insurance may seem like it’s standardized, but there are differences in coverage from one policy to the next. 

Give Us A Call

Finally, it’s important to keep accurate records of your boat maintenance. Buying boat insurance can be confusing, especially for a first-time buyer. While it’s true that insurance isn’t necessary if your boat is tied up and not worth more than its value (typically less than 10%), it’s still a good idea to have it. 

Setting a budget and doing your research are the best ways to avoid common pitfalls when buying boat insurance. If you’re unsure about how to find the right policy for your needs in the greater Green, OH community, give us a call and consult with our agents at Ken Boldt Insurance Agency II Inc.

What Is Umbrella Insurance?

When you already have home and auto insurance policies, you may feel that you are well-protected against accidents. However, you may not have as much coverage as you need in case of an expensive accident. When you own a home and a vehicle, it’s helpful to have an umbrella insurance policy. To get started with umbrella insurance, give us a call at Ken Boldt Insurance Agency II Inc. in Green, OH.

Umbrella Insurance: What You Need To Know

Home and Auto Insurance Coverage

Having home and auto insurance policies is a smart way to protect your investments as well as protect your financial future. When you have both of these policies, each comes with coverage for liability. This pays for the medical bills, lost wages, and other costs associated with an accident that you are held liable for. These policies often have very little in liability coverage, and that can mean that after the policy has maxed out, you still owe for the charges that are left over. This can leave thousands of dollars in bills left for you to pay. That’s why many people should have umbrella insurance.

How It Works

The home or auto policy comes in first to pay after an accident that you are liable for. Once that policy is maxed out and there are still overages left to pay, your umbrella policy comes in next. It then pays those overages so you won’t have to. It’s important to have this coverage in case of a serious accident that comes with a lot of costs. With umbrella insurance, the policy’s maximum is very high so that it can pay a high level of overages. 

Get Better Coverage

If you already have home and auto insurance, umbrella insurance is a cost-effective way to get better coverage. Call us at Ken Boldt Insurance Agency II Inc. in Green, OH.

What to Know Before Buying Condo Insurance

If you’re in the market for a condo, it’s important to protect your investment with insurance. But what does condo insurance cover, and how much do you need? Ken Boldt Insurance Agency II Inc. in Green, OH offers a guide on what you need to know before buying condo insurance. 

What to Know Before Buying Condo Insurance

1. What Does It Cover?

In general, it will protect you from any damage to your unit that is caused by fire, smoke, theft, vandalism, or severe weather. It will also provide coverage if someone is injured while on your property. In addition, your condo association’s master policy will likely only cover the building itself – not your personal belongings or liability. That’s where your condo insurance comes in. By having a policy in place, you can rest assured knowing that you and your belongings are protected.

2. How Much Coverage Do I Need?

The amount of coverage you need will depend on the value of your belongings and the amount of liability coverage you feel comfortable with. To get an idea of how much coverage you may need, take an inventory of your possessions and their value. You should also consider how much it would cost to replace any items that were damaged or destroyed. As for liability coverage, you’ll want to consider how much protection you need in the event that someone is injured while on your property.

3. What Will It Cost?

The cost of your condo insurance policy will depend on a variety of factors, including the value of your possessions, the amount of coverage you need, and the deductible you choose. Be sure to shop around and compare rates from different insurers before deciding.

4. Do I Need It?

If you own a condo, the answer is likely yes. As we mentioned above, your condo association’s master policy will likely only cover the building itself – not your personal belongings or liability. So, if you want to be fully protected, you’ll need to purchase a condo insurance policy.

Now that you know what to look for in a condo insurance policy, it’s time to start shopping around. Ken Boldt Insurance Agency II Inc. in Green, OH, can help you find the right policy for your needs and budget. Give us a call today to get started!

 

Understanding Comprehensive Auto Insurance

Spring is a great time to review your auto insurance coverages to ensure you have the protection you need. Ken Boldt Insurance Agency II Inc. is here to help Green, OH drivers understand your coverage options. 

What is Comprehensive Auto Insurance?

Sometimes known as ‘other than collision’ coverage, this type of auto insurance protects your vehicle from damage from vandalism, theft, fire, civil disturbances like riots, natural disasters, and falling objects. Much like collision coverage, you’ll have a deductible to meet before the claim covers the remainder of your repairs. 

What’s Not Covered by Comprehensive Coverage?

Some types of damages are not covered by comprehensive. These include:

  • Collision damage to your vehicle. 
  • Collision damage to another person’s vehicle. 
  • Maintenance issues. 
  • Water damage related to maintenance issues – like a seal failure or leaving a window open. 
  • Medical expenses for yourself or your passengers that result from an accident. 
  • The cost of a rental while your car is under repairs or non-driveable. Talk to your agent if you will need another set of wheels while yours is out of commission. 

Does Green, OH Require Comprehensive Coverage?

Ohio state law does not mandate that drivers carry comprehensive coverage, but your lender might require it if you are currently leasing or financing. 

Should I Carry Comprehensive Insurance?

The best way to answer this question is to consider how much your vehicle is worth. A good rule of thumb is to consider the rate you’d pay to carry comprehensive and collision coverage and multiply that by ten. If that exceeds the value of your car, it may not be the best investment for you. It’s best to discuss your options with a knowledgeable insurance agent. Call Ken Boldt Insurance Agency II Inc. today; our friendly staff can answer your questions and help you get the coverage that best meets your needs. 

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