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Why freelancers need more than just liability insurance

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Freelancers often operate as independent contractors and work on their own terms. While they enjoy the freedom and flexibility that come with being their own boss, they also need to take care of their own insurance needs.

Liability insurance is a common insurance policy that most freelancers opt for, but it’s important to note that they need more than just this alone. 

Freelancers need more than just liability insurance because there are many other risks that they face on a daily basis. For example, if you are a graphic designer and your computer crashes, you may lose important client data. In such a scenario, having equipment breakdown coverage can help you replace your damaged equipment and recover this crucial data.

Additionally, if you need to visit a client at their premises, you may need commercial auto insurance coverage to protect you from potential accidents while driving to and from client locations.  In addition to equipment breakdown coverage and commercial auto insurance, there are still other types of insurance that are seriously worth your consideration. 

Disability insurance, for instance, can provide financial support in the event that you are unable to work due to an illness or injury. Business interruption insurance can help cover lost income if you are unable to work due to a national crisis, such as a serious natural disaster or pandemic. 

As a freelancer, you need to make sure that you are adequately protected from all potential risks that you may face in your line of work. 

McCluskey Insurance Services LLC offers a range of insurance solutions to help freelancers in Cincinnati, OH protect themselves and their businesses. Working with an experienced insurance agent can help you understand the risks you face and find the right insurance coverage to meet your specific needs. 

We Are Here To Help

Freelancers need to consider more insurance options than just liability insurance if they want to protect themselves and their businesses. 

Equipment breakdown coverage, commercial auto insurance, disability insurance, and business interruption insurance are just a few examples of the options that freelancers should consider, as they could get them out of an unexpected bind that they encounter in the future.

McCluskey Insurance Services LLC in Cincinnati, OH offers a range of insurance solutions to help freelancers protect themselves from potential risks – both predictable and unpredictable. If you’re a freelancer looking for insurance coverage, give us a call today. In no time, you’ll be talking to an experienced insurance agent who will help you find the right policy options that will best protect you and your business. 

A Look at the Most Famous Classic Cars

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Owning a classic car is a dream of many and a lifestyle for some. Classic cars are quite literally part of history, with each vehicle reflecting the technologies and design cues of its time. The most famous classic cars are also major investments and can be worth quite a bit. If you own a collectible car, it’s wise to make sure that it’s protected by classic car insurance. Contact McCluskey Insurance Services LLC, serving Cincinnati, OH to learn more.

Let’s look at some of the most famous classic cars:

Ford Model T

The Model T wasn’t the first automobile, but it was one of the first automobiles to target the masses. This immensely successful car is an important part of automotive history because, among other things, it ensured that cars became part of Main Street.

In the 1920s a Model T cost less than $300. Now many Model Ts retail for $15,000 or more. If you own such a classic vehicle, classic car insurance could protect your investment.

Ford Mustang

One of the most famous cars of all time, the Ford Mustang popularized the idea of a muscle car, namely an affordable car that offers great performance.

Chevrolet El Camino

Part pickup truck, part muscle car, the El Camino is a collector’s favorite owing to its relative scarcity (compared to peer vehicles) and unique design.

Chevrolet Corvette

The 1963 Chevrolet Corvette is one of the most sought-after classic cars. Other model years are popular as well, although the 1963 edition often enjoys the highest prices. These especially rare makes and models should be covered by classic car insurance.

Protect Your Classic Car Collection

Classic cars are worth a lot of money. While many collectors avoid driving their most prized collectors’ cars, it’s still crucial to ensure that every car is properly insured. Even if the cars are kept off the road, a storm or other event could damage a car collection.

Not sure if you need classic car insurance? Get in touch with McCluskey Insurance Services LLC, serving Cincinnati, OH and beyond.

What is the benefit of getting an auto insurance policy in Ohio?

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Anyone that is in the Cincinnati, OH area will find it is easier to get around the community and city if you are a car owner. When you are looking to get a car here, you need to have insurance for it as well. There are a lot of benefits that come with this coverage. 

Meet Requirements Set by State and Lender

One of the benefits that will come with getting an auto insurance policy is that it can help ensure you meet requirements set by your lender and the state of Ohio. All drivers in Ohio are required to carry liability insurance whenever they drive a car. Further, if you have taken out a loan, you are likely required to obtain a full comprehensive plan. Getting a proper auto insurance policy will keep you in good standing with all requirements. 

Protect Asset and Yourself

It is also a good idea to get an auto insurance policy to protect yourself and your assets. If you are going to buy a car, you will want to know that your investment is supported. The best way this can be done is by getting an auto insurance policy as it will give you coverage to repair or replace the asset if you incur a loss. You will also obtain liability coverage that will offer support if you are at fault in an accident. 

Give Us A Call

If you are in the market for a new auto insurance policy in the Cincinnati, OH area, it would be helpful to call our team with McCluskey Insurance Services LLC. Our professionals with McCluskey Insurance Services LLC know the value of this coverage and can help give you the guidance you need to build a new plan that will protect you and your vehicle. 

Is umbrella insurance only for the wealthy?

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Umbrella insurance is an important addition to your insurance portfolio. Many people don’t really know what umbrella insurance actually is and how it could benefit them. At McCluskey Insurance Services LLC, serving the Cincinnati, OH community, we are an independent insurance agency, and we represent the finest carriers in the business. 

Who Is Umbrella Insurance For?

One of the biggest misunderstandings about umbrella insurance is that it is only for the wealthy. While you can be pretty confident that the wealthy have umbrella insurance to protect their assets, it is not designed exclusively for them. It is designed to give an additional level of liability protection to protect your assets, no matter what those assets are. 

Why umbrella insurance?

Umbrella insurance adds that additional layer of liability protection to any policy that you have with liability protection. That includes insurance for renters, condos, homes, autos, motorcycles, boats, RVs, and more. You don’t need to have a lot of assets, but your assets are what you own and have saved. You need to protect those assets from being lost to a judgment against you. 

In addition to your assets, legal action can attach to your future earnings if you don’t have the means to pay the judgment. You could end up paying for years. Umbrella insurance protects your ability to earn as well as your assets. 

How umbrella insurance works?

If you need to pay for personal injury or property damage, your primary insurance policy will pay up to the limit of the policy, and then the umbrella insurance will take effect and pay up to its limit. Most umbrella insurance begins at about a million dollars but can be higher if you need that. 

Contact Us Today

Give the office of McCluskey Insurance Services LLC in Cincinnati, OH a call or stop by to get the umbrella insurance information you need.

Things that home insurance won’t cover

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Home insurance covers lots of things, but unfortunately, it doesn’t cover everything. You need to know exactly what isn’t covered so that you will be able to get additional insurance if you need it.  At McCluskey Insurance Services LLC in Cincinnati, OH, we are independent insurance agents and can offer our customers choices. 

Home Insurance Exclusions

Wear and tear

Things that you use every day, like your refrigerator and hot water heater get old, they wear out and stop working. This is not something that is covered by your home insurance. You can buy insurance for appliances and other things in your home. 

Termites

Termites can destroy your home. This is an area that you are required to deal with before you end up with a serious problem. Treatments are available to stop or control a termite infestation. As the homeowner, it is your responsibility to make sure that termites don’t destroy your home with preventative intervention. 

Mold

Mold is not only a danger for your home, but it is also dangerous for you, and it usually isn’t covered. Check your policy. 

Earth movement

Earth movement refers to things like an earthquake, a sinkhole, mudslides, and landslides. If you have concerns, you can purchase a separate policy for this coverage. 

Flood

Floods cause a lot of damage, but your typical home insurance policy excludes them. You can get a separate flood insurance policy, and if you live in a flood plain, your lender will probably require that you do that.

Acts of War/Terrorism

War, including undeclared war, civil war, insurrection, rebellion, or revolution. While acts of terrorism are not specifically referred to, it is something that may be up for debate when it comes to filing a claim. 

More Questions? Give Us A Call

Contact McCluskey Insurance Services LLC, serving the greater Cincinnati, OH community, for all your home issuance needs. 

 

What Happens If You Do Not Agree With Fault After a Car Accident?

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After a car accident has happened, the insurance companies will likely make a decision about the fault. Fault essentially means that the insurance company is deciding who caused the accident and how the accident happened. Here at McCluskey Insurance Services LLC, serving the greater Cincinnati, OH area, one of the questions that we are frequently asked is what happens if you do not agree with fault after a car accident.

Here are the options available to you if you do not agree with the fault:

Disputing the Information With the Insurance Company

If you do not agree with the findings of an insurance company, you can file a written appeal. In the appeal, you can state why you disagree with the insurance company about who was at fault for the accident. It is important to do this as quickly as possible after finding out the insurance company listed you as at fault for the accident. 

Providing Proof of Fault

Along with filing a written appeal, you will also have the opportunity to present new evidence that can be crucial to proving you were not at fault for the accident. This may include obtaining camera footage, submitting new photos of the accident scene, or obtaining witness statements that show you are not at fault after an accident has happened. 

Contact Us Today

Unfortunately, it can be challenging to change an insurance company’s mind if they deem you to be at fault for an accident and you do not agree with them. But it is not impossible. The insurance agents at McCluskey Insurance Services LLC, serving the greater Cincinnati, OH area, can help you with your auto insurance needs and your auto insurance claims. Reach out to us today to discuss your auto insurance needs with us. 

Reasons to Consider Business Umbrella Insurance

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Umbrella insurance is a type of coverage that is designed to work with the other policies that you maintain. The limits on this category of indemnification tend to be higher than what is offered on standard insurance. If you make a claim and the provisions on your primary policy are exhausted, your umbrella insurance is designed to pick up expenses at that point. 

Why Business Umbrella Insurance?

Business owners often choose to purchase umbrella insurance when their companies house inventory that exceeds the maximum levels of their commercial property insurance. It’s also generally recommended that entrepreneurs examine risks inherent to their industry to determine the type and amount of indemnification they need to buy. 

Companies that are exposed to greater risk due to operating expensive equipment or fleets of vehicles often opt for this protection as well. Your McCluskey Insurance Services LLC agent can give you more information and answer any questions you may have.

Umbrella insurance is completely voluntary and is not a requirement for those who live in Cincinnati, OH. It is an option that homeowners choose when their property has design features or rare possessions, such as antiques, that are difficult or costly to replace. Umbrella insurance for renters is similar in that it can insure your valuables to a higher degree. 

Landlords also benefit from this coverage, particularly if they own more than a rental. Boaters with pricey watercraft may need a higher cap when it comes to safeguarding their investment, as boating accessories can add significant value to their vessel. 

Contact Us Today

McCluskey Insurance Services LLC aims to support our Cincinnati, OH clients’ insurance needs, as we endeavor to safeguard them from financial loss. Stop by our office to discuss your situation in further detail, or we can be reached by phone or online. 

Should You Include Home Insurance in Your Mortgage?

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There are a few things to know about home insurance if you purchase a home. Home insurance isn’t automatically included in your mortgage payment, but you have options that can help you save time and make the process of keeping up with your home insurance easier. So, should you include home insurance in your mortgage payment?

McCluskey Insurance Services LLC in Cincinnati, OH is here to guide you through the process of getting the best results. 

Including Home Insurance in Your Mortgage 

Your home insurance isn’t necessarily included in your mortgage, but rather you have mortgage insurance. If you want to get home insurance included, you’ll need to have it put into escrow along with property tax payments. This is a convenient and safe option for many homeowners, allowing them more reliability. However, this isn’t mandatory in most situations. If you prefer to pay your premiums separately, you will likely have the setup unless there are special terms and conditions. 

Finding the Right Insurance Options for Your Home

If you plan to purchase a home and want to explore insurance products, you’ll need an experienced insurance agent to walk you through selecting the best insurance products. They do this by assessing your current situation and considering levels of coverage and any additional needs related to the home and its occupants. 

Contact Us Today

Get the best home insurance by calling or stopping by McCluskey Insurance Services LLC in Cincinnati, OH today. One of our agents can give you the specialized service you need to create the best outcome. We look forward to helping you get reliable insurance coverage to protect your investments. 

Would my 1988 Ford Taurus be eligible for classic car insurance?

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Typically, a classic car is defined as a car that is at least twenty-five to thirty years old, though this number can vary. However, classic car insurance has other requirements beyond the age of a car. Our Cincinnati, OH team at McCluskey Insurance Services LLC is invested in educating car owners about car insurance, and the difference between classic car insurance and conventional car insurance. 

What makes a car eligible for classic car insurance?

Beyond age, the make, model, and condition of the car are often considerations when determining if a car is eligible for classic auto insurance. Classic car insurance is designed for cars in near-mint condition that are not driven as the main car. This is often the reason why classic car insurance is less expensive. These cars are insured to be driven considerably less than the main car would. They are secondary cars and not all cars are eligible for this type of insurance, despite the fact that a car may meet the age requirements.

The requirements may vary from one insurance company to the next, which means that one insurance company may deem your 1988 Ford Taurus eligible for classic car insurance, but another may not. Generally speaking, more expensive cars that may be considered limited edition, are more often the cars that are eligible for classic car insurance. 

Get Coverage For Your Classic Car Today

If you have questions about classic car insurance and are considering investing in it, we’d be happy to explore your options and determine if your car is eligible for this kind of insurance. Give us a call at McCluskey Insurance Services in Cincinnati, OH, we’re standing by.

Auto Insurance FAQs

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Making sure you have the right auto insurance isn’t always easy. Getting advice you can trust is as easy as talking to your independent insurance agent. You can count on McCluskey Insurance Services LLC in Cincinnati, OH for good advice. Our team is dedicated to making sure you get the best insurance at the best price, which is what you should expect from your friendly agent. 

Auto Insurance FAQs

When should you review your auto insurance?

You should review your auto policy yearly when you get your renewal. The first page of your new policy is your declaration page. This is a review of your coverage and it makes it easy to see all your coverage at a glance. Check your liability coverage to make sure it is adequate, and review the other coverage you have. Do you have collision and comprehensive coverage? Has your car gotten so old it doesn’t need it?  Look all the coverage over carefully. 

What auto insurance add-ons are worth considering?

If you have a new car, you might want to consider gap coverage, This will cover the difference between what you owe on your car loan and what the insurance company would pay for if your vehicle was a total loss. For newer vehicles, it can be very important coverage. If you don’t have AAA or you find it too expensive, roadside assistance coverage is very inexpensive and would provide the help you need. 

What does comprehensive insurance cover? 

Comprehensive is non-collision coverage. It covers a variety of things: weather-related damage, things falling from the sky like tree branches and hail, large animals running into your vehicle, vandalism, and theft. Glass coverage for your windshield is also included in your comprehensive coverage. 

Contact McCluskey Insurance Services LLC in Cincinnati, OH for all your auto insurance needs and any questions you may have.

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