Why Pennsylvania Business Owners Need Umbrella Insurance

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RH Worthington Group is an independent agency. We serve the Milford, PA community. We offer flexible policies so that our clients are protected in every situation. We strive to simplify the process of searching for insurance so that our clients can live more comfortable lives. Accidents can occur at any moment. That’s why having strong insurance coverage is so important. We look forward to helping you find the coverage you need.

Why Pennsylvania Business Owners Need Umbrella Insurance

Milford, PA is home to several emerging businesses. If you are a business owner in the area, you are constantly looking for ways to continue thriving. Operating a business comes with a lot of risks, as you could face legal action based on one minor mistake. Umbrella insurance adds another layer of protection as you deal with risk exposure. Umbrella insurance is a form of supplemental coverage that takes over if you have reached your liability limits while handling a dispute. If a customer walks into your business and accidentally falls down, breaking their hip, your business could be at risk of serious litigation.

Umbrella insurance adds another layer of protection to help cover the injured party’s medical treatment and prevent you from having to cover the damages out of pocket. Umbrella insurance also protects you if one of your employees suffers a serious injury in the workplace. Your entire business could be at risk if you don’t have enough liability coverage. Having a strong liability policy can help enhance your business because it shows that you are professional. However, there are some situations where even a strong liability policy isn’t enough. That’s where umbrella insurance steps in. To make sure that your business isn’t at risk.

RH Worthington Group Will Help You Protect Your Investment

Visit our website to learn more information about umbrella insurance.

5 Optional add-ons to a Milford, PA auto insurance policy

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Auto insurance is required by law. But that doesn’t mean you don’t have options.

Even though Pennsylvania has specific requirements for liability and personal injury protection, minimum coverage alone is rarely sufficient. Inadequate auto insurance can leave you exposed to unnecessary risks.

Fortunately, RH Worthington Group can help. Located in Milford, PA, their agents can make sure you’re properly insured. While this isn’t the full list of available options, the agency shares these five auto insurance add-ons.

Tort options

In Pennsylvania, a policyholder’s ability to sue another motorist is directly linked to the selected tort option. As the name implies, a limited tort option restricts rights to only extreme circumstances. In contrast, full tort grants the opportunity to sue for pain and suffering after any accident.

Extraordinary Medical Benefits

By law, drivers must carry $5,000 in first-party personal injury protection. This option exceeds that, paying for medical-related expenses between $100,000 and $1 million.

Uninsured or underinsured motorist coverage

If you are involved in an accident with another driver who lacks proper auto insurance, this protection kicks in. It applies to bodily injuries suffered when struck by another motorist who is found to be at fault.

Collision

If you are involved in an accident with another driver or object, collision benefits can pay for repair costs. Although this isn’t mandatory, collision insurance may be required by some lenders in order to receive a car loan.

Comprehensive

Any other non-collision damage would be rolled into comprehensive coverage. This includes theft, vandalism, incidents involving animals, and any weather-related damage. When combined with collision insurance, this package is commonly referred to as "full coverage."

Contact an agent serving Milford, PA

RH Worthington Group can ensure you’re legal. But, more importantly, the agency can ensure you are adequately protected. Set up an appointment today.

Is home insurance needed in Milford?

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Those that are in Milford, PA will be able to choose from different housing choices. One great option is to purchase their own home, which will offer you a great long-term investment and a stable place to call home. When you are going to buy a home, you also need to get home insurance. This is needed for several reasons. 

Coverage is Needed to Comply with Lender Requirements

One of the reasons that home insurance will be needed is because it is a requirement set by mortgage lenders. When a mortgage lender provides you with a loan, they will want to know that their collateral for the loan is covered. A great way that this is done is by requiring all property owners to obtain a home insurance plan. In some cases, the lender may require that you have these payments escrowed on a monthly basis. 

Coverage Protects Your Home and Assets

Even if you are not required by a mortgage lender to carry home insurance, you should still consider it a necessity. Your home is a very important asset and one that you will want to have protected for a long time. If you get a proper home insurance plan, you are going to have the support you need to repair or rebuild it if you incur a loss or major damage. The plan also will give coverage support for your personal assets and give some personal liability protection.

There are a lot of great reasons to consider home insurance a necessity in the Milford, PA area. If you are looking for a plan here, the RH Worthington Group is a great team to speak with. RH Worthington Group can offer you any support that you need to evaluate your options and build an ideal plan. 

Is umbrella insurance an asset?

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The litigious society we thrive in today requires a formidable contingency plan because an exorbitant lawsuit could wipe out your financial assets, relegating you to bankruptcy. Have you ever imagined what could transpire if an unforeseen event strikes in Milford PA and you have exhausted the coverage confines of other present policies? Umbrella insurance is a supplementary policy that safeguards the underlying limit of your other insurance coverages like auto and home insurance, get depleted. Umbrella insurance can guard you against property damage, injuries, and certain exorbitant lawsuits. Connect with us at RH Worthington Group, serving the regions of Milford, PA and the surrounding community. Our charismatic agents will help you understand the various umbrella insurance options available and select the one that suits your needs and budget. Keep reading to ascertain why an umbrella is a worthwhile asset.

As a Milford, PA resident, it is a wise decision to procure salient umbrella insurance because it harbors versatile benefits, including:

Protection of assets

As much as we try to avert accidents, they are bound to transpire. If you propagate a massive auto accident involving chief property damage or triggering extensive injuries to third parties, your hard-earned assets may be in jeopardy. The cost of property damage and physical injuries to other people or prevailing lawsuits may supersede the limits of your auto insurance. Luckily, umbrella insurance from RH Worthington Group comes in and salvages these scenarios, safeguarding your assets and averting financial crisis.

Liability protection

Buying bodily liability and property damage coverage helps you settle for costs emanating from physical injuries and property damage you may propagate to third parties, and you are legally responsible. For example, if your pet inflicts bites on others or a guest slips and falls while visiting you, this coverage pays for them. Additionally, it safeguards you if you are engaged in a severe accident and pays for medical bills or liability claims.

Provides flexible coverage options

Unlike other policies, umbrella insurance permits you to scale down your needs depending on your primary insurance options. If your underlying policy doesn’t cater to instances like slander, libel, and false arrests, prolific umbrella insurance will take care of them. Therefore, it allows you to bundle extra liability coverage under one policy, not for the policyholder alone, but also for your family members. 

Your insurance should cushion you in all dimensions of your life without leaving any gaps that could expose you when an unexpected eventuality occurs. Please don’t hesitate to contact us at RH Worthington Group to get detailed information about umbrella insurance.

What Are Common Myths About Auto Insurance?

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We all know that getting a proper auto insurance policy is one of the best and most effective ways to protect yourself on the road. However, choosing the proper insurance policy may be quite complicated because of so many misconceptions and myths about auto insurance. In order to help you with choosing an insurance policy, RH Worthington Group serving clients in Milford, PA prepared a list of myths that need to be debunked:

Myths About Auto Insurance

  • Red cars cost more to insure. The truth is that there is no link between the car’s color and the cost of auto insurance. Insurance companies do not care about your vehicle’s color, and there are other factors that have an impact on the cost of auto insurance, including the age of your car, its condition, your credit score, location, and others.
  • The expensive the car, the more you have to pay for insurance. The purchase price of your vehicle does not really have an impact on the cost of your insurance. There are many mid-priced cars that cost more to insure than luxury cars. 
  • It costs less to insure smaller cars. There is also no link between the car’s size and car insurance premiums. 
  • Getting a traffic ticket will increase your auto insurance rates automatically. If your traffic violation is minor, and it has happened to you just once, your insurance rate will stay the same. 

RH Worthington Group – An Insurance Company You Can Rely On

Are you looking for an auto insurance policy in Milford, PA or any other surrounding area, feel free to contact RH Worthington Group – an insurance company that specializes in all types of insurance, including standard auto insurance. Feel free to visit our website or give us a call if you want to know more about insurance options and rates.

Pest Problems in a Restaurant: Will Commercial Insurance Help?

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Running a business is often a complex process that requires individuals to tweak their policy as appropriately needed. At RH Worthington Group, we can help answer any questions Milford, PA businesses may have about coverage, including whether pest damage is included.

What Your Policy Does Cover 

Understanding what your commercial insurance covers will help to make sure you don’t suffer a significant loss. For example, your policy should cover property damage to various items, like furniture, tools, equipment, and inventory. And it will help to pay for your business loss if you end up suffering from a covered issue that requires you to shut down for a specific time. 

What about pest coverage? This situation is usually complex because most commercial insurance policies will state that pests are a negligence issue. In other words, you are at fault because you did not take the steps necessary to get rid of mice, termites, ants, bees, or other pests in your business. Therefore, your policy is not likely to cover you in this situation, which may be frustrating. 

You may be able to talk to your provider about pest-control insurance and get some help. That all depends on the comprehensiveness of your policy and what your company is willing to do for you. Take the time to understand this situation by reaching out directly to your insurance provider. 

Give Yourself the Help You Need 

If you aren’t sure whether your policy is right for your needs as a business, contact us at RH Worthington Group right away to learn more. We serve Milford, PA, and the surrounding areas and will do what we can to help your company get the protection it needs.

Who needs auto insurance in the Milford area?

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The Milford, PA area is a great place to live as there are a lot of recreational options in the area and professional opportunities to pursue. If you are going to move into this area of the state, owning a car will quickly be considered a top necessity. If you would like to purchase a vehicle here, you also need to consider your insurance needs. There are various situations in which someone will need to have an auto insurance plan here. 

When Taking Out an Auto Loan

A situation when you are going to need auto coverage is when you are taking out an auto loan. Those that are going to purchase a vehicle with a loan will be required to carry a full auto insurance plan at all times. This can include requiring you to maintain both collision and comprehensive insurance. 

When Driving on a Public Road

If you are going to drive a car on a public road in Pennsylvania, you will always want to comply with state law regarding your insurance needs. In almost every situation, this means you will need to maintain a liability insurance plan that ensures you can cover damage you may cause in an accident. If you do not have this protection, you could face various penalties in the future. 

People that are in the Milford, PA area and need to get an auto plan for their vehicle should speak with the team at RH Worthington Group as soon as possible. If you are going to look for coverage, you will quickly find that there are a lot of different choices to consider. The team with RH Worthington Group can help you assess your options and choose a plan that will provide you with ideal coverage. 

What a Homeowners Insurance Policy Provides

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For the most part, homeowners insurance policies are customizable. You can select the cover you need for your Milford, PA home and choose not to include certain items. However, some things are standard elements included in basic homeowners insurance policies. 

Please continue reading to learn more about what a homeowners insurance policy provides you, and then give us a call at RH Worthington Group to learn how to customize your policy. 

Your Home

Most insurance policies cover the interior and exteriors of homes in the event of fire, lightning, vandalism, and other covered incidents. Additionally, freestanding structures, such as garages or sheds, may also be covered under a standard homeowners insurance policy. Finally, most insurance policies offer coverage to pay for a hotel should your home be damaged to the point where it is unlivable. 

Personal Property

Items such as clothing, furniture, appliances, and other contents within your home are covered under your homeowners insurance policy. If needed, you can add “off-premises” coverage for storage units or other locations where you might be keeping the personal property. Additionally, some high-priced items may need extra coverage. Contact your insurance agent to determine how much of your personal property is covered.

Personal Liability

Homeowners insurance with liability coverage protects you when others become injured on your property. This clause includes pets, so should your dog bite someone, your insurance covers their medical expenses. Liability insurance also covers you in the event someone sues you for their injury at your home. 

There are many options available for your homeowner’s insurance policy in Milford, PA. You can easily customize it to include the coverage you need to protect your home, yourself, and your family. To learn more about standard homeowners insurance coverage and what is covered, give us a call at RH Worthington Group. 

How Does Umbrella Insurance Work?

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One of your top priorities should be protecting your family and assets. However, even with your existing policy, getting additional coverage for extra protection is good. That is what we call umbrella insurance. If you reside in Milford, PA, and are not sure about getting an umbrella policy, RH Worthington Group takes you through how umbrella insurance works.

How It Works

An Umbrella insurance policy protects you and your assets in two ways.

  • Provides coverage when the limits of auto, homeowners, and boat insurance have been exhausted
  • Provides coverage for specific claims excluded in other liability policies like slander, false arrest, and libel. 

What it Covers

Umbrella insurance protects what your other insurance policies do not cover. Generally, it provides liability coverage for property damage, injuries, some lawsuits, and personal liabilities. You probably think your homeowners and auto insurance has you covered in some of these scenarios. And while that is true, umbrella insurance goes beyond the limits. Examples of Umbrella policy coverage include;

  • Bodily Injury Liability- Helps cover expenses arising from bodily harm to another person. For example, consider an instance where your guest’s child gets hurt in your yard, or your dog causes damage to your neighbor. All medical expenses and any liability claims arising from those injuries are covered under umbrella insurance.
  • Property Damage Liability- Helps cover the cost of damage to another person’s property. For instance, it could damage someone’s home due to a car accident where you were at fault.
  • Owner Rental Units- provides cover against any liability you might face when you are a landlord.

Umbrella insurance also provides coverage when sued for malicious prosecution, slander, libel, and mental anguish.

What Is Not Covered

There are certain situations not covered in an umbrella policy, including;

  • Your own injuries and damage to your personal items
  • Intentional criminal acts that cause damage to another person
  • A Liability associated with a contract you entered.

It is good to understand how an umbrella policy gives that extra protection you need. Residents of Milford, PA, looking for more information on the umbrella policy can contact RH Worthington Group Insurance and get assistance.

What coverage will I get with my auto insurance in Milford?

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When you are a resident of the Milford, PA area, you will want to know that you have an efficient way to get around the community. One way that you can do this is by investing in a car or other vehicle. Along with your vehicle purchase, you should also get auto insurance. Those that have auto insurance can receive several types of coverage that can prove to be quite valuable.

Coverage to Replace Vehicle if Needed

One of the reasons you should have auto insurance is to have the support to replace your vehicle in some situations. If you have a stolen or damaged your car in an accident, the cost to replace it can be significant. Fortunately, you can do this if you have a collision and comprehensive insurance plan, as it will provide the resources you need in these scenarios.

Liability Protection

Vehicle owners are going to take on liability risk regularly. If you decide to invest in a full auto insurance plan, you will also receive liability insurance coverage, which can help cover your cause’s damages. This coverage will also be required by state law in Pennsylvania. If you do not have it, you could be penalized. 

If you are going to buy a vehicle in the Milford, PA area, you need to have proper insurance protection at all times. As you are looking for your next plan in this area, calling the RH Worthington Group can be a great option. There are some important factors to consider when looking for insurance coverage and RH Worthington Group can help ensure you make a wise decision. The team here can also help ensure you remain properly covered at all times with a plan that is ideal for your situation.