Insurance Agent

How Can Restaurant and Bar Insurance Benefit You?

Posted on by AgentInsure

Here at Advantage Insurance Network, serving the greater Cincinnati, OH region, one of the insurance products that we offer is restaurant and bar insurance. This is not an insurance product that many people are familiar with. But, if you own a restaurant or bar, you should familiarize yourself with it. Here is more information about the benefits of restaurant and bar insurance

Protection Against Property Damage

Property damage can occur for various reasons, including natural disasters, fire, and theft. With restaurant and bar insurance, you can protect your business against such damages and get the necessary funds to rebuild and restore your business to its previous condition.

Liability Coverage

Restaurant and bar insurance also provides liability coverage, which protects you from claims made by customers or employees who may have been injured on your property. This type of coverage can also protect you from lawsuits related to foodborne illnesses or alcohol-related incidents.

Liquor Liability

Liquor liability coverage is an essential part of restaurant and bar insurance. This coverage protects you from damage or injuries that may occur as a result of a patron’s intoxication while consuming alcohol on your premises. It can also protect you from lawsuits that may arise from selling alcohol to minors. 

Employee Theft Coverage

Employee theft is an unfortunate reality that many business owners face. With restaurant and bar insurance, you can protect your business against such losses and receive compensation for any damages caused by employee theft.

As you can see, there are many benefits associated with restaurant and bar insurance. Advantage Insurance Network would love to help you find the right policy if you want to obtain a policy in the greater Cincinnati, OH region. Call us today to obtain a quote.

Why You Should Buy from an Independent Insurance Agent

Posted on by Lewis Smith

When it comes to buying insurance, you have a few options. You can buy insurance directly from an insurance company or you can work with an independent insurance agent. While buying insurance directly from an insurance company may seem like the easiest option, there are many benefits to working with an independent insurance agency. Here are a few reasons why you should buy insurance from an independent insurance agent:

  • Choice

When you work with an independent insurance agency, you have access to a wide range of insurance products from multiple insurance companies. This means that you can compare coverage and pricing options from different insurance companies and choose the policy that best meets your needs and budget.

  • Expertise

Independent insurance agents are licensed professionals who have the knowledge and expertise to help you navigate the complex world of insurance. They can answer your questions, explain your coverage options, and help you understand the terms and conditions of your policy. They can also provide guidance on how to reduce your insurance costs and avoid common insurance mistakes.

  • Personalized Service

When you work with an independent insurance agent, you get personalized service. Your agent will take the time to get to know you, understand your unique insurance needs, and help you find the right coverage. They will also be there to help you through the claims process and provide ongoing support as your insurance needs change over time.

  • Advocacy

If you ever need to file an insurance claim, your independent insurance agent will be there to advocate for you. They will work with the insurance company on your behalf to ensure that your claim is handled fairly and efficiently. They can also help you understand your rights as an insurance policyholder and provide guidance if you need to dispute a claim decision.

  • Cost Savings

Working with an independent insurance agency can actually save you money in the long run. Independent agents have access to a wide range of insurance products from multiple insurance companies, which means that they can help you find the most cost-effective policy that meets your needs. They can also help you identify discounts and other cost-saving opportunities that you may not be aware of.

In conclusion, working with an independent insurance agency can provide you with a range of benefits, including choice, expertise, personalized service, advocacy, and cost savings. So if you’re in the market for insurance, consider working with an independent insurance agent, like Advantage Insurance Network, to get the best coverage at the best price. Visit www.myadvantageinsurance.com.

4 Benefits of Condo Insurance

Posted on by AgentInsure

Condominiums are quickly becoming popular in Ohio. And this trend will continue as people try to move closer to urban centers. If you have invested in a condominium, this is the best time to protect your investment in every way. Condo insurance from Advantage Insurance Network is one such protection you can consider for your property.

Do you own a condominium in Cincinnati, OH? Here are the benefits you get when you invest in condo insurance.

Liability protection

You might have a condo owners association policy, but this only covers liabilities happening in common areas like the swimming pool and lobby. You are responsible for injuries or property damages incurring inside your condo. For this reason, you need to invest in condo insurance to cover injuries and property damage that you, your family and your pets cause to others.

Covers your asset

In the unfortunate event you lose your assets, condo insurance covers the replacement. The same applies if your belongings are destroyed by fire and other perils listed in your policy.

Offers loss of use coverage

If your condo is damaged, you don’t have to worry about where to stay as your dwelling undergoes repairs. Condo insurance covers additional living expenses like accommodation, food, and transport you incur as your condo is being repaired.

It gives you peace of mind

With the stressful world we live in, it isn’t easy to have peace of mind. However, certain worries can be taken care of by insurance. For instance, you don’t have to worry about damages and liabilities in your condo if you have condo insurance.

Protect your condominium today

Owning a condominium can be a good investment. But if you want to protect your investment for years to come, you must invest in condo insurance. To get coverage in Cincinnati, OH, please don’t hesitate to contact Advantage Insurance Network for a competitive quote.

What Does Restaurant Insurance Cover?

Posted on by AgentInsure

Restaurants get exposed to a broader range of calamities in Cincinnati, OH. From lawsuits, fires to natural disasters, the danger is always lurking in restaurant businesses. Thankfully, you can cushion your business with restaurant insurance.

Are you a restaurant owner seeking prolific coverage to protect your business from the unthinkable? Please speak with our reputable agents at Advantage Insurance Network, and they will help you select dependable restaurant insurance to help you shun financial instances that are dreadful to overcome.

What does restaurant insurance cover?

It’s imperative to know that no restaurant business is immune to risks and going without insurance is a recipe for disaster. We have policies tailored to protect your restaurant in the below areas:

  • Liability protection: Business owner’s policy (BOP) is a popular and cost-effective viable option for a restaurant. It combines commercial property insurance and general liability insurance under one formidable plan. It’s suitable for food contamination and spoilage and potential business interruption incidences.
  • Protects workers: Many states, including Ohio, requires restaurant joints with employees to carry workers comp insurance irrespective of whether the employees are seasonal or permanent. Restaurant insurance caters to employees’ medical expenses and missed wages benefits after an injury or sickness contracted while working in your restaurant.
  • Protects your commercial vehicles: Does your restaurant own any cars or trucks to run your operations? Worry no more because commercial auto insurance protects your vehicle from accidents and other risks stated in your policy. It also covers injuries to your driver.
  • Liquor liability insurance: It caters to property damage, legal fees, and medical expenses of prevailing injuries if the liquor is sold to an intoxicated client who proceeds to harm other patrons.

If you are a seasoned restaurant owner or aspiring to become one in Cincinnati, OH, it’s critical to invest in restaurant insurance. Ready to get coverage? Please call or visit us at Advantage Insurance Network and get more information about restaurant insurance.

Why Every Condo Owner Needs Condo Insurance

Posted on by AgentInsure

If you have a condo, you know what a financial investment it is. It’s important to protect that investment by having a condo insurance policy in place for as long as you own your home. If you need a condo policy, call us today at Advantage Insurance Network in Cincinnati, OH. 

Protection for Your Home

When you have condo insurance, it offers protection for your home against a number of scenarios that can badly damage or even destroy the condo. Without this coverage, you could expect to have to pay for all of the damage yourself from your own pocket. Condo insurance makes this unnecessary. It’s an important type of coverage for your home. 

Coverage for Your Possessions

Next to your home, you likely have put in the second-largest amount into all of your belongings. It can be easy to look around and think that it isn’t all worth much, but to replace it all would cost quite a lot. That’s why it’s so important to have condo insurance. It insures all of your possessions that are inside your condo in case of a disaster or other scenario that ruins them. Without this coverage, you would be starting again with nothing. 

Your Comfort

If the worst happens and your condo becomes significantly damaged, it may be uncomfortable to be in and uninhabitable. If this happens, your condo policy would pay for you to move in and live somewhere else during the repairs. It can even pay for your living expenses while you are waiting to get back to your home. This coverage is invaluable for keeping you comfortable and in a livable environment. 

Get Your Condo Policy

If you need condo insurance for your home, call us today at Advantage Insurance Network in Cincinnati, OH to talk to an agent about the policy you need. 

Why do I need condo insurance in Ohio?

Posted on by AgentInsure

The Cincinnati, OH area can be a great place for someone to work and live. In this area, there are a lot of job opportunities, access to professional sports, and other forms of entertainment, and many different recreational options. If you are going to live here, you should consider purchasing a condo. When you own a condo, you will enjoy the benefits that come with purchasing a home while also not having the same maintenance benefits. If you are going to purchase a condo here, you need to get condo insurance for a few different reasons.

Insurance Protects Assets

The main reason that you need to get a condo insurance policy here is that it will protect your asset. A condo is a major purchase that could be the biggest investment you ever make. Due to this, you should ensure that your investment is properly covered and protected. A full condo insurance policy will help to protect your condo as well as your personal belongings. 

Insurance is a Requirement

You will also want to get a condo insurance policy because it will likely be a requirement for you. If you have a mortgage against the condo, the lender will have specific insurance requirements that need to be met. Further, most condo owners will also be part of a larger association that will include insurance requirements that need to be met. 

When you want to get a new condo insurance policy in Cincinnati, OH, you should speak with the team at Advantage Insurance Network. There are a lot of choices that need to be made when you are looking for a new insurance policy. The team at Advantage Insurance Network can help you better understand all of your needs and options, which will help you pick a quality policy. 

3 Tips to Buying Boat Insurance in Cincinnati

Posted on by AgentInsure

When you buy boat insurance, you may feel a variety of emotions. You may feel annoyed that you have to shell out money, or you may feel proud that you’re taking care of your property. You may feel responsible that you’re doing the right thing. However, sometimes these feelings can get in the way of making the right decision when it comes to the right policy. Here are 3 tips to keep in mind before you buy. 

1. The High Cost of Disasters 

They can often cost more than you think, even if you think your boat isn’t worth anything. You’re not the only person involved here. A guest may be injured and sue you, or one of your family members could be hurt when attempting to perform a basic task on the boat. It’s best to pay for it all now and have a partner on your side. 

2.  The Dangers of the Water 

Water can be deadly, and it can cause more damage than you think. When your boat is exposed to all different types of weather conditions over the season as well as being located in such a precarious place, you truly do want an expert who can help you navigate through the different types of policies to find the right fit for you. 

3. Consult Someone Who Knows 

Advantage Insurance Network serves Cincinnati, OH, and we’re here to get you on your way to a better summer full of tubing and wind in your hair. We know the best and worst parts about boating, which is why you can trust us to find you the best solution when it comes to your boating insurance. Whether you’re cross-comparing rates or have any questions, call us today. 

Independent Insurance Agents at Forefront of American Freedom

Posted on by AgentInsure

As is true in most industries, insurance has companies that conduct business with little regard for the needs of the individual people and businesses in Cincinnati, OH. In effect, clients become mere numbers on an actuarial table that help the main headquarters, located somewhere else, pay its board members extravagant annual bonuses. Yes, it is unfair to the average person in Ohio. For this reason, and others, independent insurance agents remain at the forefront of salvaging American freedom.

Independence Means Freedom

Insurance provides policyholders with the resources to withstand life events that could otherwise prove crushing. Disasters that destroy homes, devastating road collisions and liability for workplace injuries are just a few ways that people can find themselves needing financial help to remain solvent and with a roof over their heads. The independent agents at Advantage Insurance Network help provide the level of coverage needed to survive such unexpected calamities.

Independent agents remain free to give a client an objective analysis of their particular situation. There is no product that the home office requires selling. Instead, people know that when they purchase an Advantage Insurance Network policy, it is what they need for family, home or business.

Moreover, independent agents offer real choices. They are not beholden to any particular brands. Clients receive a variety of options and quotes to choose from.

Stay Free by Dealing With Independent Insurance Agents in Ohio

In so many ways, Americans witness their freedoms eroded each day. Buying insurance, which is a virtual necessity, does not have to be one of those times. Just contact the independent agents at Advantage Insurance Network, serving Cincinnati, OH, for more information on options or use the easy online quote feature today.

 

 

5 Reasons You Should Buy from an Independent Insurance Agent in Cincinnati, Ohio

Posted on by Lewis Smith

Today, there are many choices when buying insurance. You can buy direct from companies like Progressive or GEICO. You can buy from captive agents like State Farm, Allstate, or Nationwide. But buying from an independent insurance agent, like Advantage Insurance Network, offers many distinct advantages. Here are some of them:

  1. Choice – Unlike direct or captive companies, independent insurance agencies sell for multiple insurance companies. When you call State Farm, you will only get one insurance quote. When you call an independent agent, they will shop your insurance with multiple companies and find you the best combination of price and coverage. Independent agents work for you and are not obligated to present policies from one insurance company. Discounts vary from company to company, so having an independent agent will ensure that you get all the discounts you deserve.
  2. Channel – Many companies have offer products through more than one channel. For instance with Progressive, you can either buy direct or through an independent agent. While buying direct may seem appealing, why not let an independent agent shop your insurance through Progressive and many other companies at the same time? Agencies like Advantage Insurance Network in Cincinnati, Ohio offer instant quotes directly on their website much like many of the direct writers. Another example is Allstate. Allstate now offers their products through captive agents and independent agents. Is there any benefit to calling an Allstate captive agent versus an independent agent representing Allstate?
  3. One Stop Shopping – Many independent agencies offer a full line of insurance products. While Progressive can write your auto, home and toys, they do not offer life and health products. So while Progressive may have the best rates on your auto insurance, they may not on your home and they don’t even write life. An independent agent could be your agent on all of your insurance needs even if they are with multiple companies. This can help reduce the risk of gaps in your coverage among different companies.
  4.  Personalized Customer Service – Independent agents can help you with your policies and offer you advice. Independent agents can help you with anything from billing questions to help filing a claim. A good independent agency will review your policy on a regular basis. And as your situation and life changes, they will be sure that your current company still represents your interests best. This eliminates the need for you to do this yourself.
  5. Local Knowledge – Independent insurance agencies are local businesses in your community.   They live and work near you and understand the community. When you call a large company like Progressive or GEICO, you will be just another number. When you call a local agent like Advantage Insurance Network, they want to get to know you and understand where you live.

Insurance is complicated but it doesn’t have to be. Working with an independent insurance agency, offers many advantages that can’t be achieved direct or through captive agents. Let the professionals at Advantage Insurance Network, handle all your insurance needs. To experience the difference, visit www.myadvantageinsurance.com.