3 Safety Tips for Motorcycle Road Trips

By preparing for your motorcycle road trip in advance, you can avoid problems that could take the joy out of your travels. Planning ahead gives you time to service your bike, choose safe routes and check with your Ganley Family Insurance agent to see if you need to update your motorcycle insurance coverage. Before hitting the road this spring, consider the following safety tips for a smoother road trip.

Prep Bike and Gear 

Long distance travels can take a toll on your bike, especially if you get caught in inclement weather. Before hitting the road, take time to service your motorcycle to make sure it’s in mint condition. Ask your mechanic to check your fluids, valves, fuel system, electrical system, tires, etc., and give you an "all clear" before leaving the city.

Check your safety gear to ensure you have what you need for the road, i.e. helmet, riding boots, jacket, gloves, neck wrap, goggles, earplugs, etc. Don’t forget to pack rain gear in case you run into stormy weather.

Plan Routes Well

Plan your routes well to avoid problems with construction or getting stuck in the middle of nowhere. If you’re leaving the Brecksville, OH area for uncharted territory, make sure your GPS system is working properly so you don’t get lost. Look for routes that offer beautiful scenery, great road quality and the amenities you desire for safety and comfort. 

Drive Safely

Take your time to enjoy your road trip to the full. Drive safely, defensively and well within the speed limits of the roads you travel. Stop as often as necessary to rest and recuperate so you can stay alert and focused when you are riding.

For quality motorcycle insurance to protect you during your travels, contact your Ganley Family Insurance agent in Brecksville, OH.

Umbrella Insurance Options for Daycare Centers

Brecksville, OH daycare centers need to purchase many insurance coverage options to stay safe and protected. However, few understand the benefits of umbrella insurance, an oversight that we at Ganley Family Insurance hope to correct here.

Daycare Insurance is Diverse

A high-quality daycare should take out multiple forms of commercial insurance to ensure that it doesn’t suffer from any financial problems. Just a few forms of insurance that you should consider for your daycare center include:

  • General liability
  • Premises liability
  • Professional liability
  • Commercial vehicle liability
  • Corporal punishment liability
  • Abuse and molestation liability
  • Umbrella insurance liability

Each of these coverage options protects your daycare center in unique ways. For example, corporal punishment liability kicks in when one of your employees – or you – is accused of spanking or hurting a child in your care. But what exactly is umbrella insurance?

How Umbrella Coverage Protects You

Though daycare insurance should protect most centers from serious issues, umbrella policies are a great extra protective step. Umbrella insurance is extra coverage that kicks in when your other policies are drained. For example, extra liability coverage will protect you if your normal policy doesn’t cover an injury to a child.

In essence, umbrella insurance helps daycare centers avoid serious financial disaster by providing more coverage on their most important elements. In this way, you can run your daycare center in peace and know that your livelihood is protected from serious financial loss.

Find High-Quality Coverage That You Can Afford

As you can see, umbrella insurance is a great choice for daycare centers. So if you live in Brecksville, OH and run a daycare, please contact us at Ganley Family Insurance to learn more. Our agents will find you an umbrella insurance policy that is right for your needs.

What You Need to Know about Condo Insurance

Condo insurance in Brecksville, OH can differ from a homeowners policy, so it’s important to understand the differences. This will enable you to know what is covered and what is the responsibility of your master association.

Why You Need Condo Insurance

The HOA insurance may protect the outside of the building, but you need condo insurance to protect the inside of the building, which can include the floor, ceiling, and walls. You need it to protect your belongings. The insurance through your HOA won’t protect furniture, clothing, or electronics, and if your possessions are damaged or stolen, you need to file your own claim through your agent at Ganley Family Insurance. You also need insurance to protect you if someone gets injured in your condo. The master policy will cover if someone gets hurts in common areas, but what if someone falls on your staircase? If you aren’t able to live in your condo due to damage, then your personal condo policy will pay for expenses for you to live somewhere else. If damage exceeds the HOA policy, you may have to contribute to making up the difference. If you have loss assessment coverage as part of your personal policy, you can get some coverage to pay for this.

What Does It Cover?

Condo insurance will cover fire and smoke, explosions, theft, vandalism, lightning, wind, and hail, but will typically not cover floods, earthquakes, internal injuries to others, wear and tear, and damage from underground water.

In order to determine how much coverage you need, take a home inventory and also review your master policy. HOA plans can vary on what they cover inside. Some may cover lighting and original cabinetry, but others don’t cover anything. If your HOA policy doesn’t cover anything, then you will need more insurance to be safe.

Contact Ganley Family Insurance serving Brecksville, OH to get a quote on condo insurance. 

 

Types of Life Insurance

Life insurance is meant to protect the financial needs of your loved ones when you are gone. The type of coverage as well as the amount will greatly depend on your needs and circumstances. If you are in Brecksville, OH, Ganley Family Insurance can help you make an informed choice on which type is best for you. Below are the two major types of life insurance to choose from.

Term

This type of life insurance policy pays out only if death was to occur during the period of coverage, which usually lasts up to 30 years. The death benefit is paid out either as a monthly payment, lump sum, or an annuity, although people mostly go for the lump sum.  There are two primary types of term life policies namely; decreasing term and level term. In level term insurance policy, the value of the death benefit is maintained throughout the term. On the other hand, the death benefit in decreasing term drops during the policy’s term, typically in one-year increments. 

Whole

Also known as permanent life insurance, whole life insurance offers death benefit when you die, regardless of how many years you live. It also has a cash value component, which is an alternative to the death benefit. This policy is divided into three major types namely; universal life, variable universal life, and traditional whole life. The three have variations within them and it is important to consult a qualified insurance agent for a clear explanation and advice on which one best suits your needs.

When buying a life insurance policy, it is important to take your time and choose one that will work for your situation. Remember, there are policies that expire, those that are best for unhealthy or older individuals, and those that come with an investment kind of cash value. Also note that the cost of the policy you buy will depend on your gender, age, lifestyle, and medical history. Contact us at Ganley Family Insurance in Brecksville, OH for more information on the different types of life insurance.

 

 

Can I buy a policy for my niece and nephew when they’re babies?

While it can be fun to buy new baby gifts, it is even better be able to give a gift which will be meaningful and significant for the rest of the baby’s life. Many people ask whether they should purchase an insurance policy for young relatives.

The Earlier, the Better 

When you buy an insurance policy for a very young person, the policy itself costs very little. There won’t be a need for a physical exam, and the price will be locked in for the life of the policy. 

Once they’re old enough, they can choose what they want to do with the policy based on their plans and what kind of policy it is.

Get Permission

You will need to meet a few requirements to buy a life insurance policy for your young relatives. First, you need to prove you have an insurable interest, which basically means you need to prove you’re really related to them.

Second, if you are buying a life insurance policy for someone else in Brecksville, OH, you will need to get permission. If you have any questions about the requirements, you can ask any agent at Ganley Family Insurance. 

Insurance Can Be an Investment 

Whether you get a term life insurance policy or a whole life insurance policy, you will be making an important investment for your loved one if you purchase the policy early. Even a policy which only pays death benefits will get more expensive over time. A policy which can eventually pay out cash can help at an important time as a down payment or for a necessary purchase. 

If you live in Brecksville, OH, don’t wait to make this important decision. Call Ganley Family Insurance today to find the policy you’re looking for. 

3 Questions to Ask When Getting Umbrella Insurance

Umbrella insurance can give you an added layer of liability protection on both a personal and professional level. If you’re found liable for a serious accident where damages exceed the limits of your home or business insurance coverage, umbrella insurance will pick up where these other insurance options leave off. Before purchasing umbrella insurance, talk to an agent from Ganley Family Insurance, Brecksville, OH, to get a better idea of what this insurance has to offer. Here are a few questions you can ask to determine if umbrella coverage would benefit you.  

What Liability Coverage Do I Currently Have?

Before extending your liability coverage, review your home, auto and business insurance policies with one of our agents to see how much coverage you currently have. Go over each of your plans and compare your liability coverage with your overall assets. If your assets are greater than your current liability limits, you may want an umbrella policy to protect your investments.

How Much Umbrella Insurance Do I Feasibly Need?  

People vary in the amount of umbrella coverage they need, depending on their assets and risks. Your agent can help you assess your situation and get personalized coverage according to your individual need. If you’re a frequent traveler, have a pool in your home or entertain often, you are at greater risk of accidents in which you could be held liable for damages. You should also review business risks with your agent to ensure you obtain sufficient protection against accidents on your business property.

What Will My Umbrella Policy Cost?

After determining how much umbrella coverage you want, get quotes for policy costs. The cost of your coverage should be well within your budget so as not to put a strain on your finances. For umbrella coverage that protects your interests at affordable costs, contact Ganley Family Insurance, Brecksville, OH.    

When Can You Claim Your Life Insurance?

Life insurance is a cover that everyone needs to take care of their loved ones after they are gone. It sure cannot provide emotional satisfaction, but it comes in handy on keeping them economically stable after the loss. You can take it for yourself or elderly parents. Besides, no one is too young or too old to take a life insurance claim.

That said, when should you claim on life insurance? We at Ganley Family Insurance LLP offers some important hints for those living in Brecksville, OH.

After death

Life insurance benefits are paid after a person dies. Therefore, the claim can only after the person is declared dead, clinically of course. It is, therefore, necessary to have a copy of the death certificate as well as the insurance policy document. Burial insurance covers should be claimed before the burial or soon after.

Unique policy requirement

Some types of insurance policies such as group covers have different claim time frames. The benefits can be available for the first person who dies or when the last person dies. Such details are worth looking into when considering to file a claim on a policy that covered more than one individual, say, spouses.

As soon as possibly possible

Due to some reasons, it might be impossible to file a claim on life insurance. They include divorce, sibling rivalry, loss of the policy document or not knowing that the person had taken a life insurance cover. Fortunately, those who stay in Brecksville, OH can make the claim decades after the death of the insured. Most states also allow unlimited time on when to file the claim.

It is important to safeguard the future of your loved ones by taking life insurance. Contact Ganley Family Insurance for information. We are experienced in family insurance coverage and are willing to help with your questions.

Does Umbrella Insurance Cover Flood?

Flooding is a huge issue in some areas and never an issue in others. As a result, a flood is not normally covered by any home policy so you have to take out separate coverage to accommodate it. That being said, not all areas need flood coverage while it is a necessity for others. For those that do have to have flood insurance, flood policies can be pricey and any way to save money is nice. For those in the Brecksville, OH area, the agents with Ganley Family Insurance can answer all your inquiries.

Umbrella insurance is a type of supplementary policy that many people take out in an effort to help cover any extra that they might have that is not already covered by their main policy. These are often less expensive than other policies but may not cover as much. For the most part, umbrella policies, unless expressly stated otherwise, are also not going to cover flood.

If you do live in an area where the flood is common, you may want to take out a specific policy that either states that it covers flood or a flood policy that is not an umbrella policy at all. Flooding can cause thousands of dollars of damage and can even end up sending people out of their homes. As such, if you live in an area where floods are common you want to make sure you are going to have coverage that is going to help you rebuild and recover from any flooding that you have experienced.

For those that live in the Brecksville, OH area, the agents with Ganley Family Insurance can help you to find the perfect policy for your particular needs and for the needs of your area every time no matter what.

2 Ways to Improve Your Umbrella Insurance

When it comes to your umbrella insurance coverage, you want to make sure that you are doing all you can to get the most out of it. There is no sense in paying for insurance if you aren’t taking full advantage of it, right? Fortunately, there are several ways you can go about improving your umbrella coverage. Let’s take a quick look at two of these ways. 

1) Check for coordination

First and foremost, you will want to make sure that your umbrella insurance is coordinating with your other policies. Remember, if the underlying limits of your other policies are not met, then your umbrella coverage will not come into effect. Generally, those who provide umbrella coverage will want to see your other policies have the following minimums:

  • $300k to $500k of liability coverage on homeowners policies
  • $250k/$500k of liability on your auto policies

Most importantly, remember that any changes to your existing policies may mean there need to be changes made to your umbrella policy. With this in mind, never make tweaks to your other policies without considering how they will impact your umbrella coverage. 

2) Look at your personal injury coverage

There is a big difference between bodily injury and personal injury. You need to check your existing coverage and see if it provides protection against libel and slander. From there you can tweak your umbrella coverage to ensure you are covered if you are ever sued for something you may have said (such as on Facebook). 

If you would like to learn more about improving your umbrella insurance, please contact Ganley Family Insurance serving the Brecksville, OH area. 

Is Umbrella Insurance Worth It?

There’s little doubt that umbrella insurance is worth it for a variety of individuals, but that doesn’t mean that it’s right for everyone. Learn more about who it was designed for, and why you may or may not want to have a policy if you live in Brecksville, OH from your friends at Ganley Family Insurance. 

More to Lose 

Umbrella insurance is available to go above and beyond the current liability limits you have on your auto or home insurance. So if you happen to cause an accident that injures the other party, you won’t have to worry about having to spend all of your savings on their medical bills. While your auto insurance will certainly be able to cover injuries, it may not be able to cover the full extent of those injuries. For example, if the other party you injured suffers a chronic injury that requires constant medical care. 

Liability and Slander 

The other reason why a person in Brecksville, OH may want to get umbrella insurance is that they have a reputation they need to uphold. For example, if someone accuses you of doing something, you’ll need to be able to pay for a lawsuit as well as damage control in the case of slander. Again, you may have some type of policy that can help, but an umbrella insurance policy will go the extra mile when it comes to protecting you.

For more information, call Ganley Family Insurance about whether or not an umbrella insurance is worth it for you. Most people could benefit from at least a low level of coverage. You may be surprised at just how much coverage you can get for just a small investment on your part. Talk to our staff today to get a quote today!