Commercial Insurance Coverage Options in California

As a business owner in Glendale, CA, you know that having the right commercial insurance coverage is vital to protecting your company. But with so many options, knowing which is right for your business is challenging. Here’s a quick rundown of some of the most common types of commercial insurance coverage available in California:

Property Insurance

This type of coverage protects your business property from damage or theft. It can also help cover the cost of repairs if a natural disaster damages your property.

Liability Insurance

Liability insurance protects your business from lawsuits from injuries or damage caused by your company’s products or services. It can also help cover the cost of settlements or judgments if you are liable.

Product Liability Insurance

Product liability insurance protects your business from lawsuits filed by customers claiming a defective product injured them. This coverage is significant if your company manufactures or sells products.

Your Voi Insurance Solutions LLC agency representative can help determine if this type of coverage is right for your business.

Business Interruption Insurance

This coverage can help your business recover from lost income if you have to shut down due to a covered event, such as a fire or natural disaster.

Commercial Auto Insurance

You must purchase commercial auto insurance if your business uses vehicles for business purposes. This type of coverage protects your business from financial losses if one of your employees is involved in an accident while driving a company vehicle.

To learn more about the different types of commercial insurance coverage available in Glendale, CA, contact Voi Insurance Solutions LLC. Our knowledgeable team can help you find the right policy for your business.

Will Home Insurance Cover Damage Caused by My Kids?

Everyone’s kids cause damage. Sometimes it’s an accident, like when a baseball breaks a window, and sometimes it’s on purpose, like when they draw on the walls. Most home insurance policies cover damage caused by kids, but some important exceptions and limitations exist. In this article, Voi Insurance Solutions LLC will help you understand when your Glendale, CA home insurance will cover damage caused by your kids.

Home insurance usually covers accidental damage to your home.

Some common examples include broken windows, water damage, and structural damage. Your policy should cover any accidental damage caused by your kids, as long as it isn’t intentional. Insurers often determine what type of unintentional damage is protected based on the person’s age causing the damage.

Home insurance will cover some accidental damage to other homes.

It’s a common scenario: Your kids are playing outside, and they accidentally break a window or knock over the neighbor’s mailbox. A typical home insurance policy will cover the damage as part of its liability coverage. It’s important to note that this coverage is usually separate from your policy’s property coverage. It covers damage caused by yourself and members of your household.

Your policy probably won’t cover old damage or normal wear and tear.

Older damage that’s everyday wear and tear isn’t considered accidental damage. These damages are standard and usually excluded from your policy because they can be predictable or preventable. Older damage can also be seen as a form of neglect because it was not reported to your insurer promptly.

If you are a Glendale, CA resident interested in learning more about home insurance, please don’t hesitate to contact Voi Insurance Solutions LLC today!

Motorcycle insurance basics

Motorcycle owners in the greater Glendale, CA area turn to Voi Insurance Solutions LLC for all of their insurance needs. Protecting your bike, yourself, and your passengers is an important part of responsible motorcycle ownership, and having the proper insurance protection can help provide that protection. Call our office today and schedule an appointment to find out more.

ABCs of motorcycle insurance

Many people simply follow governmental requirements when it comes to insurance. This can sometimes be an alright decision but is typically less than a great idea when it comes to protecting your motorcycle.

Motorcycle insurance has three main components: liability protection, collision coverage, and medical expenses coverage. Don’t leave yourself open to liability issues. Motorcycle insurance is an effective way to protect yourself from loss while protecting your bike.

These factors are important, but you will want to be sure that you have the protection you need, not just what you are required to have. For example, if you have a new and expensive bike, you will want to have a policy that offers adequate protection if your bike is stolen or is totaled in an accident.

Medical expenses are also a factor when choosing your policy and its coverage levels. You will want to protect yourself from personal liability if you are ever involved in an accident that causes significant injuries. This can be as easy as choosing a comprehensive policy with robust coverage limits. 

Find out more today!

Voi Insurance Solutions LLC is proud to serve the motorcycle community in the Glendale, CA area. We want to help you find the right motorcycle policy for your needs. Give us a call or stop by today.

We look forward to working with you!

Why do you need motorcycle insurance in Glendale?

For people that live in the Glendale, CA area, owning a motorcycle can be a lot of fun. A bike is quite efficient and practical given the warm weather in the area. If you are going to purchase a motorcycle, choosing a new insurance policy should be a top priority. Carrying a proper insurance plan for your bike is advantageous and necessary for various reasons. 

Meet State Insurance Requirements

An important reason you will need to have a motorcycle insurance plan is to meet the requirements set by your state. Similar to if you want to operate any other type of vehicle, you will need to have liability insurance coverage if you’re going to operate a motorcycle in California. This coverage can ensure you remain appropriately covered and comply with state law.

Comply with Lender Standards

Another reason you may need to have motorcycle insurance is if you had taken out a loan when you bought the motorcycle. Those who will take out a loan to purchase any vehicle must ensure they comply with all loan agreement requirements. In many cases, this can include carrying the proper insurance. Most lenders want you to carry a full motorcycle insurance plan with comprehensive coverage. 

If you are going to purchase a motorcycle when around Glendale, CA, getting a proper motorcycle insurance plan is very important. When you are ready to start looking for a policy here, calling the professionals with Voi Insurance Solutions LLC is a great option. The Voi Insurance Solutions LLC team knows the importance of this coverage and will help you choose a policy that protects your motorcycle and allows you to comply with any requirements. 

What’s NOT covered by renters insurance?

Renters’ insurance can create peace of mind in many situations. Knowing that your items are covered in the event of something unexpected and unfortunate can help many of us to sleep easier. However, it’s a good idea to know what’s not covered by renters insurance as well. There’s nothing worse than an unexpected situation occurring only to find out that you don’t have coverage for it. 

What is Renters Insurance?
Renters insurance is similar to homeowners insurance in that it covers your belongings and provides liability coverage as well. Renter’s insurance also covers stolen or damaged property. However, unlike homeowners insurance, the structure or dwelling you reside in/rent isn’t covered. Some small alterations that you make as a tenant may be covered, however. In short, renters insurance is designed to protect you, your personal items, as well as provide/fund your living arrangements after a covered loss.

What’s NOT Covered?
Although renters insurance covers stolen and damaged property, it’s important to note that it will not cover something you break accidentally. Also, renters insurance won’t cover damage caused by natural disasters like flooding, earthquakes, sinkholes, and pests like bed bugs and termites. Personal property loss and liability protection that extends beyond your coverage limits won’t be covered as well. Voi Insurance Solutions LLC of Glendale, CA is committed to helping Glendale, CA residents understand what’s not covered as well as what is covered. Our team will answer all of your questions and walk you through how renters’ insurance works. We will also take the time to discuss the areas that aren’t covered under renters’ insurance. Give us a call. Our team at Voi Insurance Solutions LLC is standing by.

4 Benefits of Umbrella Insurance

When you have a boat, home, or auto insurance policy, you may not see the need for additional coverage. However, you may need more than auto or home insurance when you get significant claims extending beyond your conventional coverage options. Umbrella insurance from Voi Insurance Solutions LLC in Glendale, CA takes over when your typical insurance coverages run out.

Why you should invest in umbrella insurance

Who needs umbrella insurance? Is it the rich and famous only? While high-net-worth individuals attract lawsuits, you need umbrella insurance as long as you earn a livelihood. Since anyone is at risk of being sued in America, umbrella insurance comes in handy when lawsuits come knocking on your doors.

Here are the benefits of investing in umbrella insurance:

  • Provides broader coverage: Umbrella insurance provides not only higher coverage but also broader coverage. What does this mean? Umbrella insurance gives you high coverage of $1M plus and also covers you against personal liabilities not covered by standard liability coverages. Umbrella insurance covers libel, false arrest, and slander — risks not protected by other liability coverages.
  • Affordable: There is a popular misconception that umbrella insurance is costly. However, the opposite is true. Umbrella insurance is surprisingly affordable since it takes over from where your conventional liability coverages leave off.
  • Protects your assets: When faced with expensive liability claims, your typical coverages are likely to run out. As a result, your assets could be at stake to pay for the uncovered expenses. However, you don’t have to worry about someone coming for your assets when you have umbrella insurance.
  • Has no geographical limitation: Unlike other insurance policies limited within American boundaries, umbrella insurance can cover you anywhere in the world.

Do you need umbrella insurance in Glendale, CA? Please get in touch with Voi Insurance Solutions LLC for an affordable quote.

What Flood Insurance Covers (and Does Not)

At Voi Insurance Solutions LLC, we can help many Glendale, CA residents find high-quality flood insurance options. These policies can protect you from many issues. However, there are also several things that it will not cover, so keep these in mind before continuing on your purchase.

How You’re Protected 

Your flood insurance will protect a variety of different elements of your home. These will vary heavily based on your policy but are usually pretty easy to understand. Just a few of the areas where you’ll get protection for your home with a flood insurance policy include:

  • Electrical and plumbing systems damaged during a flood 
  • Furnaces and water heaters affected by the flood 
  • Air conditioners and central air heating systems
  • Sump pumps and other similar devices 
  • Appliances throughout your home 
  • Carpeting and window elements in a house 
  • Some types of valuable items

Where You’re Not Covered 

While your flood insurance will cover a broad range of different problems, it is by no means 100% comprehensive. It focuses strictly on issues caused by the flood to your home but leaves out a handful of different things. Just a few elements that won’t be covered in flood include:

  • Moisture damage not caused by the flood that you could have prevented with maintenance
  • Any earth-movement damage problems, even if caused by a flood
  • Temporary living expenses while your home is being repaired
  • Business interruption issues caused by the floor 
  • Loss of money, stock certificates, and precious metals 
  • Self-propelled vehicles, like cars and boats 

Get Insurance Today 

Do you want flood insurance that will protect your Glendale, CA, home? Then please contact us at Voi Insurance Solutions LLC to learn more. Our team will do what we can to find a suitable policy and ensure that you feel comfortable with the unique demands of this policy option.

What does my Glendale, CA condo insurance cover?

A condo is more than a home. It’s an investment. Condo insurance ensures it’s protected.

In fact, condo insurance is likely much more important than you realize. Although your association has its own plan, these policies are limited and often only protect the building’s structure.

Voi Insurance Solutions LLC can make sure you’re prepared. Located in Glendale, CA, the agency lists four items that are included in any condo insurance policy.

Building property

While an owner’s policy covers the building itself, these protections don’t typically extend to the inside. Condo insurance insures the interior. This includes floors, walls, cabinets, and any other fixtures. Since there may be some overlap with the owner’s plan, refer to the association agreement to identify what specific areas fall under your responsibility.

Personal possessions

Your belongings inside the condo are safe too. If anything is stolen, damaged, or destroyed, condo insurance will replace these items up to the policy limit. Your policy will list protected perils, such as fire and water damage. Theft and vandalism are also covered.

Personal liability

Liability protection is a core component of any insurance policy. It protects you, family, residents, and other guests of your condo. If someone is hurt while on your property, this coverage kicks in. In addition to reimbursing for injury or property damage, liability contributes to legal expenses in the event of a lawsuit.

Loss of use

Unfortunately, accidents happen. If a natural disaster or extreme event does occur, your condo may become uninhabitable. If you’re forced to temporarily relocate, a condo insurance policy with reimbursing costs that incur as you stay somewhere else.

Contact agent serving Glendale, CA

Voi Insurance Solutions LLC can help. If you live in a condo, their experienced agents can find an individualized condo insurance plan that meets your needs.

Securing your home from a flood: 4 flood safety tips

In recent events, Hurricane Ida has given a glimpse of what storms of the future will look like as weather patterns change, ice glaciers melt, and ocean temperatures rise. 

Hurricanes are getting stronger. Climate change is exasperating the issue with no relief in sight. It is important to know how to protect yourself and your property in the event that you are faced with a flood.

In addition, Glendale, CA is at risk of major flooding over the next 30 years. 

4 Safety tips for securing your home from a flood

Extreme weather conditions continue to disrupt the lives of many around the globe. Protect your home before, during, and after a flood.

1. Prevention methods before the flood season:

  • Take an inventory of your possessions using a video or photos.
  • Make sure you seal up any cracks in the walls.
  • Clean out all gutters, downspouts, catch basins, and drains.
  • Make sure there is an automatic secondary backup for the sump pump.

2. Protect during a flood:

  • Unplug all appliances and turn off stoves, electricity, gas, and water.
  • Elevate larger pieces of furniture on wood or cement blocks if possible. If this is not possible, anchor the items and protect them with a floodwall.

3. After the flood:

  • Look for signs of mold within 24 to 48 hours.
  • Document the damage with pictures or videos.
  • Keep the fans running.
  • Report the damage to your insurance company.

4. Personal

  • Always have an evacuation plan and meeting place ready in case of an emergency.
  • Keep emergency supplies on hand.
  • Have a 72-hour emergency kit ready at all times.

Speak to an expert at Voi Insurance Solutions LLC, serving Glendale, CA, to find out more about insurance options that may be right for you. 

Who needs earthquake insurance in Glendale?

The Glendale, CA area has continued to be a great place to live. At the same time, it is a great place to own a property. While there are a lot of advantages that come with property ownership here, there are risks as well. One risk is the risk of an earthquake happening at any given time. If this does occur, you will want to have a full earthquake insurance plan. There are several reasons that you may need to have this coverage.

Those Looking for Necessary Coverage

A situation when you should have this insurance is when you are looking for earthquake coverage. A bad earthquake in the Glendale area can cause significant damage to a home. Depending on your standard home insurance plan, the coverage you receive for this can be limited. Fortunately, you can mitigate this risk by getting an earthquake insurance plan that will offer specific coverage to mitigate this concern. 

Those with Requirements

There are also situations in which you may be required to get earthquake insurance. Depending on your situation, a lender or home association may require that you get this insurance. They will want you to have this protection to ensure you have the capability to rebuild your property if it is damaged during any type of earthquake. 

Having an earthquake insurance plan in the Glendale, CA area is always a good idea. If you are assessing your needs for this coverage here, it would be a good idea to call Voi Insurance Solutions LLC. Anyone that is looking for this insurance here will find that Voi Insurance Solutions LLC can be a valuable resource. When you call them, you can learn a lot more about your options and get the support needed to build your next plan.