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Ken Boldt Insurance Agency II, Inc.

2205 Greensburg Rd
Green, OH 44720

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Intrastate Motor Vehicle Registration Requirements

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If you’re a business owner, one of your top priorities should be ensuring your company is protected with sufficient commercial insurance. Selecting the right policies can be challenging, and some business owners may need guidance to make informed decisions. If your business is located near Green, OH, the team at Ken Boldt Insurance Agency II Inc. is here to help. We’ve been proudly serving businesses like yours since 1980.

Intrastate Motor Vehicle Registration Requirements

Many businesses operate within Ohio, and as a result, intrastate vehicles must be insured with a commercial vehicle insurance policy. According to the Ohio Public Utilities Commission, an intrastate vehicle transports cargo between two points within the state. These vehicles fall into two categories: private vehicles (transporting company-owned cargo) and for-hire vehicles (transporting goods owned by other companies). All for-hire vehicles are required to have a Certificate of Public Convenience and Necessity (CPCN).

A CPCN is obtained through the Ohio Public Utilities Commission and must be renewed annually. As part of the renewal process, businesses must submit information about the vehicle insurance for each intrastate vehicle. Private carriers, however, are not required to obtain a CPCN.

Call Us for Your Appointment Today

Commercial insurance is crucial for businesses in Ohio. At Ken Boldt Insurance Agency II Inc., we can help you explore property, liability, and workers’ compensation insurance policies, as well as recommend other types of coverage that may benefit your business. Companies near Green, OH, trust us for excellent client support and customer service. Contact us today to schedule an appointment and let us help protect your business.

Does My Homeowner’s Insurance Cover My Home Office?

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These days, many people living in Green, Ohio, work from home. If you have a home-based business, chances are you have a dedicated space where you conduct your business activities. But will your homeowner’s insurance cover any potential losses? Ken Boldt Insurance Agency II Inc. can help you fully protect your home office.

Does Homeowner’s Insurance Cover Your Home Office?

A standard homeowner’s policy provides some protection for items related to your home business. However, this coverage is often limited and may not be comprehensive enough to meet your needs. Most homeowners’ policies cover equipment in your home office up to a certain amount, typically around $2,500. If your office consists of basic items, such as a computer, printer, and similar equipment, this coverage may be sufficient. However, for more extensive setups, additional protection may be necessary.

Additional Policies to Consider

While homeowner’s insurance offers some coverage, it does not provide liability protection for your business activities. If you work in industries that involve offering advice or services to clients—such as accounting, advertising, public relations, or graphic design—you should consider professional liability insurance, also known as errors and omissions insurance. Additionally, general liability insurance or an umbrella policy is a wise choice if clients visit your home.

Depending on the type of business you run, you may need specialized policies. For example, if you maintain inventory on your premises or manufacture baked goods or other items, you should consider insurance to protect those investments. Some insurers may allow you to add an endorsement to your homeowner’s policy to cover your operations adequately.

Learn more about how to adequately protect your home business by contacting Ken Boldt Insurance Agency II Inc., serving residents of Green, OH. Contact our office today to schedule an appointment.

Insurance Coverage to Pursue If Your Motorhome Will Be Used as A Secondary Residence

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If you plan to park your motorhome on a seasonal basis, you might consider the RV as your secondary residence. Ensuring your property is adequately insured will protect you against financial loss.

Property Protection

Your motorhome policy can cover furnishings, appliances, and other property that you own. Property coverage will protect you against theft and intentional damage to your possessions.

If criminal activity occurs within your motorhome, your insurance policy will prevent you from being financially responsible for the cost of repairing or replacing the items affected during the criminal event.

Addressing Liability Concerns

Since you’ll be using your motorhome as a secondary residence, you might be concerned about the possibility of a visitor sustaining an injury on your property. You might also worry about the risk of physical damage occurring to another person’s property.

Liability coverage designed for motorhomes will protect you against unexpected legal concerns. This type of insurance will cover legal fees, repairs, and other expenses you may face if you are sued by another party in the future.

Protection Against Natural Weather Events

Adverse weather could damage your motorhome. If you have coverage that protects against natural disasters, you can seek repairs as needed. Your insurance policy will outline the types of natural disasters it covers. A motorhome insurance policy can cover high winds, floods, and hail.

Consult With An Insurance Agent in Ohio

Please speak to one of our representatives at Ken Boldt Insurance Agency II Inc. An agent serving the Green, OH region will recommend insurance coverage types that are right for you. Once you have selected the coverage you prefer, you can request that your motorhome insurance policy be updated.

Should I Bundle My RV Insurance? Pros and Cons

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Plenty of families and individuals love to venture into the great outdoors with RVs like their campers, ATVs, and other recreational vehicles. As with any other major asset you own, insurance coverage is of the utmost importance. But there are two ways that you can cover these vehicles: getting coverage for these items individually or bundling your RV coverage with other types of coverage like home insurance. You might ask, should you bundle your RV insurance? Here are the inherent advantages and disadvantages of bundling and how you can find RV insurance coverage with the team here at Ken Boldt Insurance Agency II Inc. in Green, OH.

Pros and Cons of Bundling RV Insurance

Bundling RV insurance can be beneficial for a wide range of reasons. Firstly, bundling can help you simplify all of the different types of insurance coverage you need to cover all of your assets. But more than that, most people bundle because it can generally be cheaper overall. By bundling your RV insurance with other types of insurance, you might be able to save on your premiums and your deductibles, which is a major bonus.

However, that’s not always the case. Bundling can sometimes be more expensive than purchasing each type of insurance individually. The biggest downside is that the bundle you’re looking for may not be available. If you do find it and wish to change your approach to insurance coverage at any time in the future, canceling your bundled policies and buying individual coverage can be a complex and time-consuming process. Weigh all of these points before committing to any one option.

Find RV Insurance With Us!

Are you ready to get coverage for your RVs? Ken Boldt Insurance Agency II Inc. in Green, OH, is always here to simplify shopping. Compare quotes seamlessly with us today!

Green OH Bikers: Is Your Motorcycle Covered for Theft and Natural Disasters?

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For local bikers in Green, Ohio, nothing quite compares to the thrill of hitting the open roads. However, motorcycle owners must safeguard their two-wheeled investment against natural and man-made disasters.

With expert advice from Ken Boldt Insurance Agency II Inc., you can discover how to protect your bike from theft and natural disasters.

Securing Coverage for Theft and Natural Disasters in Ohio

Not all motorcycle insurance policies automatically include coverage for theft, vandalism, natural disasters, or severe weather, which can occur unexpectedly.

The first step towards safeguarding your bike from the devastating impact of life’s inevitable storms is to consult a trusted local insurance agent. They can ensure you have a well-structured motorcycle insurance policy covering you and your bike from common and uncommon perils.

For instance, liability-only insurance policies may not necessarily cover damage or replacement costs associated with a natural disaster or theft.

Basic motorcycle insurance policies only provide minimum state coverages to protect other drivers on the road in the event of an at-fault accident. This entry-level insurance can also provide some legal liability protections for policyholders. However, serious bikers seeking comprehensive coverage often opt for comprehensive motorcycle insurance coverage.

Comprehensive Motorcycle Insurance in Green, OH

Comprehensive motorcycle insurance policies elevate your coverage by offering insurance protections from collisions and non-collision-related incidents. The best way to understand the limits of your existing policies and learn how to choose the best coverage for your unique situation is to consult a licensed and knowledgeable insurance agent.

When you contact our offices in Green, Ohio, today, Ken Boldt Insurance Agency II Inc. agents can offer professional advice and a comprehensive motorcycle insurance quote.

Customizing Boat Insurance for Jet Ski and Watercraft Owners

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Whether you’re enjoying a leisurely ride on the waters of Nimisila Reservoir or an adrenaline-fueled jet ski adventure on Portage Lakes, ensuring you have adequate insurance to protect your watercraft is essential for local jet ski owners.

Let Ken Boldt Insurance Agency II Inc. experts in Green, Ohio, guide you through tailoring boat or watercraft insurance to cover your jet ski.

Creating a Custom Watercraft Policy in Ohio

Local jet ski owners have several options for insuring themselves, their watercraft, and other passengers on local waterways. The most basic insurance protection includes liability insurance, which helps protect policyholders from financial and legal damages associated with at-fault jet ski accidents.

Liability insurance offers an initial layer of protection that can be extended to cover your vessel and water-based emergencies when you opt for comprehensive or collision Coverage.

Collision Coverage is a type of watercraft insurance that helps pay for repairing or replacing your watercraft if it’s damaged in an accident, regardless of who is at fault. This extension of liability insurance provides peace of mind for jet ski owners who want to protect their vessel from total financial loss.

Comprehensive Coverage provides solutions for water-based collisions and non-collision-related incidents that could otherwise lead to substantial out-of-pocket expenses. This full-service protection covers non-collision-related events such as theft, vandalism, natural disasters, and other covered perils.

Speak with a trusted local insurance agent to learn more about the rules and regulations for boating on local waterways and determine which insurance protections are best for you.

Our knowledgeable and friendly agents can offer advice and provide you with a customized watercraft insurance quote when you contact Ken Boldt Insurance Agency II Inc. today!

How Often Should I Review My Condo Insurance?

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Your condo insurance policy offers financial protection when covered events occur. Under these circumstances, having condo insurance can help you save money when your belongings are damaged or destroyed. Your condo insurance policy only covers a certain amount.

Inflation can make it harder to cover the cost of repairing and replacing what you own if your insurance policy isn’t updated periodically. At Ken Boldt Insurance Agency II Inc., servicing Green, OH, we can help. We help our clients review their policies as needed and can help you, too. Below is what you should know about reviewing your condo insurance policy.

Why Should You Review Your Condo Insurance?

You should review your condo insurance to ensure its maximum limits are high enough to repair or replace everything you own if a covered event occurs. You might have spent $100 buying your television many years ago, but today, if your television needs to be replaced, you might spend a lot more. These cost changes can mean that your condo insurance policy needs to be updated to keep up with these costs.

How Do You Review Your Condo Insurance?

Review your condo insurance by reviewing your policy and determining whether the coverage amounts are adequate with today’s pricing. If you struggle with this, your insurance agent can help you with it.

How Often Should You Review Your Condo Insurance?

Review your condo insurance policy once per year. It’s best to do it at the same time every year to avoid forgetting. At Ken Boldt Insurance Agency II Inc., servicing Green, OH, we can help. Call us to go over your policy and determine whether it needs to be updated.

How Auto Insurance Helps Protect You from Lawsuits

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While we all hope for a smooth journey on the road, accidents can occur. When they do, having the right insurance can make a significant difference. At Ken Boldt Insurance Agency II Inc. in Green, OH, we understand the importance of protection against potential lawsuits.

Deciphering Liability Coverage

Liability coverage is a crucial part of auto insurance that protects you from financial hardship if you’re deemed responsible for an accident. This coverage handles the legal costs and any damages you’re obligated to pay up to your policy’s limits. Without it, you could find yourself paying out of pocket, which can be financially devastating.

Guarding Your Assets

Imagine being involved in a severe accident, and the other party decides to sue for damages. If your liability coverage is insufficient, your personal assets—like your home or savings—could be at risk. Auto insurance helps safeguard these assets by covering costs associated with legal claims.

Driving with Peace of Mind

Knowing you’re covered can provide peace of mind while driving. Auto insurance doesn’t just protect your finances; it also ensures that you have support when you need it most. Whether it’s dealing with legal fees or negotiating settlements, your insurance policy serves as a safety net.

Contact Us Today for More Information or To Get Started

At Ken Boldt Insurance Agency II Inc., we’re dedicated to providing auto insurance to residents in and around the greater community of Green, OH. We’re committed to helping you find the right coverage that suits your needs. Contact us today to learn how we can protect you from potential lawsuits and provide peace of mind on the road.

What’s the Difference Between a Commercial and Personal Auto Insurance Policy?

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Understanding Commercial Auto Insurance Requirements in Ohio

If you operate a business in or around Green, OH, you need to meet specific legal requirements when purchasing necessary commercial insurance policies, including commercial auto insurance.

Determining the Need for a Commercial Auto Insurance Policy

A commercial auto insurance policy becomes a necessity under specific conditions. You’ll require it if your business involves traveling to customers’ residences to deliver services, make sales, or make deliveries. Commercial auto insurance becomes crucial if your line of work entails frequent trips to local markets to sell your products. Additionally, if a part-time or full-time employee is expected to drive your vehicle, you must have a commercial policy in place.

Coverage Under Basic Commercial Auto Insurance

A basic commercial auto insurance policy provides similar coverage to personal auto insurance. The minimum policy requirements parallel those of personal auto insurance. However, without a commercial policy, your insurance provider won’t cover any damages if the vehicle is involved in an accident while being used for business purposes—even if the accident wasn’t your fault.

Commercial auto insurance does not cover injuries sustained by an employee driving your vehicle—a worker’s compensation insurance policy typically covers this. However, you can obtain other forms of commercial insurance to protect business tools and products that you transport in your vehicle.

Get In Touch with Ken Boldt Insurance Agency II Inc. For More Information

Ken Boldt Insurance Agency II Inc. offers a variety of commercial auto insurance policy options to business owners operating in the Green, OH area. You can opt for standalone commercial auto insurance or bundle it with other commercial insurance policy types. Feel free to reach out to us whenever it works best for you to gather more information or request policy quotes.

Home Security to Prevent Damage and Theft

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Your homeowner’s insurance policy protects your residence and its contents. In addition to keeping your insurance policy current, use measures to provide your residential property with adequate security.

Review Your Insurance

Review your existing insurance policy. Make sure that it covers all the items that you currently own. If you plan on making any investments in the future, you will likely want to add them to your existing policy. Your policy should cover any items of value. The value items should include structural materials, furnishings, decor, and personal possessions.

Security Assessment

Perform a security assessment. Adequate security will minimize the risk of damage and theft to your property and ward off the need to file an insurance claim.

Inspect your home and your property. Take note of any materials or personal possessions that are at risk of theft or damage. If you decide to upgrade how you store items, keep track of the modifications you have chosen. These modifications should be addressed when you are ready to upgrade your existing insurance policy.

Additional Security

Floodlights, motion detectors, smoke alarms, and a fire suppression system will help keep your property safe. It is in your best interest to install these items.

During your assessment, determine which parts of your property and home would benefit from the addition of security devices.

Agent Assistance

Contact one of our Ken Boldt Insurance Agency II Inc. representatives as soon as possible. An agent representing the Green, OH region will update your home insurance policy.

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